Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 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 | 4.9241% | 1,703 |
| Cost of funding earning assets | 1.0928% | 2,296 |
| Net interest margin | 3.8313% | 1,561 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.5977% | 1,935 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3008% | 1,567 |
| Return on assets (ROA) | 1.3008% | 1,554 |
| Pretax return on assets | 1.6053% | 1,407 |
| Return on Equity (ROE) | 14.7800% | 1,514 |
| Retained earnings to average equity (ytd only) | 14.7823% | 585 |
| Net charge-offs to loans | 0.2244% | 363 |
| Credit loss provision to net charge-offs | 103.6866% | 1,415 |
| Earnings coverage of net charge-offs (x) | 12.3574% | 1,941 |
| Efficiency ratio | 59.1208% | 3,066 |
| Assets per employee ($millions) | 5.6087% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,047 |
| Loan loss allowance to noncurrent loans | 296.8608% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,563 |
| Noncurrent loans to loans | 0.4289% | 1,650 |
| Net loans and leases to total assets | 63.6400% | 2,418 |
| Net loans and leases to deposits | 75.3752% | 2,375 |
| Net loans and leases to core deposits | 76.5646% | 2,723 |
| Total domestic deposits to total assets | 84.4300% | 2,713 |
| Equity capital to assets | 9.0774% | 2,460 |
| Core capital (leverage) ratio | 10.4191% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2713% | 1,796 |
| Memoranda: | ||
| Average total assets | $4,896,955,333 | 272 |
| Average earning assets | $4,466,580,667 | 269 |
| Average equity | $430,907,000 | 292 |
| Average total loans | $3,094,039,667 | 288 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 1,525 |
| Cost of funding earning assets | 0.9244% | 2,296 |
| Net interest margin | 3.9154% | 1,447 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.6343% | 1,863 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2970% | 1,683 |
| Return on assets (ROA) | 1.2970% | 1,654 |
| Pretax return on assets | 1.6041% | 1,451 |
| Return on Equity (ROE) | 14.9700% | 1,555 |
| Retained earnings to average equity (ytd only) | 14.9736% | 804 |
| Net charge-offs to loans | 0.2549% | 296 |
| Credit loss provision to net charge-offs | 91.8836% | 1,169 |
| Earnings coverage of net charge-offs (x) | 10.9786% | 1,645 |
| Efficiency ratio | 59.4858% | 3,020 |
| Assets per employee ($millions) | 5.5233% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,104 |
| Loan loss allowance to noncurrent loans | 324.1695% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 1,574 |
| Noncurrent loans to loans | 0.3968% | 1,742 |
| Net loans and leases to total assets | 62.6200% | 2,393 |
| Net loans and leases to deposits | 72.0952% | 2,463 |
| Net loans and leases to core deposits | 73.2125% | 2,739 |
| Total domestic deposits to total assets | 86.8600% | 2,316 |
| Equity capital to assets | 9.0819% | 2,450 |
| Core capital (leverage) ratio | 10.0016% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8067% | 2,046 |
| Memoranda: | ||
| Average total assets | $4,914,057,500 | 281 |
| Average earning assets | $4,484,839,000 | 278 |
| Average equity | $425,656,000 | 300 |
| Average total loans | $3,073,741,000 | 297 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 1,830 |
| Cost of funding earning assets | 0.3949% | 2,147 |
| Net interest margin | 3.5638% | 1,747 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 2.4987% | 2,115 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4029% | 1,123 |
| Return on assets (ROA) | 1.4030% | 1,087 |
| Pretax return on assets | 1.7550% | 812 |
| Return on Equity (ROE) | 15.8500% | 1,081 |
| Retained earnings to average equity (ytd only) | -5.1414% | 4,575 |
| Net charge-offs to loans | 0.2234% | 362 |
| Credit loss provision to net charge-offs | -31.1491% | 4,556 |
| Earnings coverage of net charge-offs (x) | 13.3038% | 2,079 |
| Efficiency ratio | 58.6865% | 3,235 |
| Assets per employee ($millions) | 5.5257% | 3,189 |
| Cash dividends to net income (ytd only)* | 132.4463% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 1,906 |
| Loan loss allowance to noncurrent loans | 414.3646% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 1,860 |
| Noncurrent loans to loans | 0.3130% | 2,029 |
| Net loans and leases to total assets | 60.8800% | 2,563 |
| Net loans and leases to deposits | 68.3514% | 2,709 |
| Net loans and leases to core deposits | 69.2712% | 2,926 |
| Total domestic deposits to total assets | 89.0700% | 1,700 |
| Equity capital to assets | 8.2521% | 2,893 |
| Core capital (leverage) ratio | 9.4983% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1388% | 2,311 |
| Memoranda: | ||
| Average total assets | $5,043,787,000 | 271 |
| Average earning assets | $4,624,235,200 | 268 |
| Average equity | $446,569,200 | 285 |
| Average total loans | $2,910,190,200 | 286 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 1,911 |
| Cost of funding earning assets | 0.2789% | 2,395 |
| Net interest margin | 3.4653% | 1,766 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.4652% | 2,111 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 1.4395% | 980 |
| Return on assets (ROA) | 1.4396% | 956 |
| Pretax return on assets | 1.8269% | 691 |
| Return on Equity (ROE) | 15.9900% | 982 |
| Retained earnings to average equity (ytd only) | -11.4342% | 4,688 |
| Net charge-offs to loans | 0.1886% | 357 |
| Credit loss provision to net charge-offs | -116.9951% | 4,645 |
| Earnings coverage of net charge-offs (x) | 15.9111% | 1,829 |
| Efficiency ratio | 58.5294% | 3,320 |
| Assets per employee ($millions) | 5.6315% | 3,095 |
| Cash dividends to net income (ytd only)* | 171.4968% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,891 |
| Loan loss allowance to noncurrent loans | 382.2590% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 1,854 |
| Noncurrent loans to loans | 0.3478% | 1,982 |
| Net loans and leases to total assets | 58.6800% | 2,628 |
| Net loans and leases to deposits | 65.6143% | 2,752 |
| Net loans and leases to core deposits | 66.6330% | 2,907 |
| Total domestic deposits to total assets | 89.4300% | 1,906 |
| Equity capital to assets | 7.3405% | 3,308 |
| Core capital (leverage) ratio | 8.9930% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0767% | 2,441 |
| Memoranda: | ||
| Average total assets | $5,061,448,250 | 273 |
| Average earning assets | $4,645,782,000 | 269 |
| Average equity | $455,614,000 | 285 |
| Average total loans | $2,870,878,000 | 285 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 2,062 |
| Cost of funding earning assets | 0.1962% | 2,967 |
| Net interest margin | 3.3272% | 1,832 |
| Noninterest income to average assets | 0.9825% | 700 |
| Noninterest expense to average assets | 2.4400% | 2,113 |
| Loan and lease loss provision to assets | -0.2282% | 4,695 |
| Net operating income to assets | 1.4439% | 808 |
| Return on assets (ROA) | 1.4440% | 789 |
| Pretax return on assets | 1.8324% | 553 |
| Return on Equity (ROE) | 15.1274% | 868 |
| Retained earnings to average equity (ytd only) | -23.5002% | 4,737 |
| Net charge-offs to loans | 0.0731% | 726 |
| Credit loss provision to net charge-offs | -559.3057% | 3,405 |
| Earnings coverage of net charge-offs (x) | 39.3153% | 1,268 |
| Efficiency ratio | 59.6673% | 3,339 |
| Assets per employee ($millions) | 5.7214% | 3,005 |
| Cash dividends to net income (ytd only)* | 255.3482% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,621 |
| Loan loss allowance to noncurrent loans | 442.8922% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 2,053 |
| Noncurrent loans to loans | 0.3237% | 2,181 |
| Net loans and leases to total assets | 57.0799% | 2,632 |
| Net loans and leases to deposits | 64.1699% | 2,703 |
| Net loans and leases to core deposits | 65.0331% | 2,894 |
| Total domestic deposits to total assets | 88.9512% | 2,205 |
| Equity capital to assets | 7.7930% | 3,275 |
| Core capital (leverage) ratio | 8.5580% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8637% | 2,548 |
| Memoranda: | ||
| Average total assets | $5,083,563,333 | 267 |
| Average earning assets | $4,677,659,667 | 267 |
| Average equity | $485,263,667 | 271 |
| Average total loans | $2,837,678,667 | 285 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 2,288 |
| Cost of funding earning assets | 0.1555% | 3,426 |
| Net interest margin | 3.1773% | 1,947 |
| Noninterest income to average assets | 1.1180% | 541 |
| Noninterest expense to average assets | 2.4676% | 1,966 |
| Loan and lease loss provision to assets | -0.5109% | 4,760 |
| Net operating income to assets | 1.6278% | 478 |
| Return on assets (ROA) | 1.6281% | 477 |
| Pretax return on assets | 2.0936% | 304 |
| Return on Equity (ROE) | 15.6557% | 563 |
| Retained earnings to average equity (ytd only) | -3.8667% | 4,366 |
| Net charge-offs to loans | 0.1764% | 338 |
| Credit loss provision to net charge-offs | -528.6521% | 3,153 |
| Earnings coverage of net charge-offs (x) | 16.3721% | 1,337 |
| Efficiency ratio | 60.2670% | 3,457 |
| Assets per employee ($millions) | 5.7217% | 3,091 |
| Cash dividends to net income (ytd only)* | 124.6982% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,736 |
| Loan loss allowance to noncurrent loans | 550.8634% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,331 |
| Noncurrent loans to loans | 0.2622% | 2,535 |
| Net loans and leases to total assets | 54.3415% | 2,711 |
| Net loans and leases to deposits | 62.6404% | 2,660 |
| Net loans and leases to core deposits | 63.3893% | 2,850 |
| Total domestic deposits to total assets | 86.7515% | 3,019 |
| Equity capital to assets | 9.7610% | 2,082 |
| Core capital (leverage) ratio | 9.4039% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8916% | 1,844 |
| Memoranda: | ||
| Average total assets | $5,127,951,000 | 270 |
| Average earning assets | $4,731,762,500 | 268 |
| Average equity | $533,274,500 | 261 |
| Average total loans | $2,810,273,500 | 288 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1746% | 3,528 |
| Cost of funding earning assets | 0.1819% | 3,639 |
| Net interest margin | 2.9927% | 3,215 |
| Noninterest income to average assets | 0.9436% | 1,107 |
| Noninterest expense to average assets | 2.4602% | 2,308 |
| Loan and lease loss provision to assets | 0.0379% | 2,285 |
| Net operating income to assets | 0.9774% | 2,765 |
| Return on assets (ROA) | 0.9793% | 2,826 |
| Pretax return on assets | 1.2106% | 2,625 |
| Return on Equity (ROE) | 8.3274% | 3,125 |
| Retained earnings to average equity (ytd only) | -9.1011% | 4,758 |
| Net charge-offs to loans | 0.0983% | 863 |
| Credit loss provision to net charge-offs | 71.7594% | 2,003 |
| Earnings coverage of net charge-offs (x) | 23.6156% | 1,769 |
| Efficiency ratio | 65.4549% | 2,344 |
| Assets per employee ($millions) | 5.7141% | 3,040 |
| Cash dividends to net income (ytd only)* | 209.2911% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,383 |
| Loan loss allowance to noncurrent loans | 448.8941% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,298 |
| Noncurrent loans to loans | 0.3458% | 2,341 |
| Net loans and leases to total assets | 52.5564% | 3,004 |
| Net loans and leases to deposits | 61.1255% | 2,979 |
| Net loans and leases to core deposits | 61.9815% | 3,165 |
| Total domestic deposits to total assets | 85.9811% | 2,915 |
| Equity capital to assets | 10.6249% | 2,067 |
| Core capital (leverage) ratio | 9.1806% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7810% | 1,932 |
| Memoranda: | ||
| Average total assets | $4,664,206,400 | 278 |
| Average earning assets | $4,305,629,800 | 274 |
| Average equity | $548,524,600 | 258 |
| Average total loans | $2,504,829,000 | 303 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 3,568 |
| Cost of funding earning assets | 0.1915% | 3,704 |
| Net interest margin | 3.0285% | 3,238 |
| Noninterest income to average assets | 0.9544% | 1,146 |
| Noninterest expense to average assets | 2.3961% | 2,451 |
| Loan and lease loss provision to assets | -0.1107% | 4,628 |
| Net operating income to assets | 1.1711% | 2,271 |
| Return on assets (ROA) | 1.1737% | 2,317 |
| Pretax return on assets | 1.4679% | 2,090 |
| Return on Equity (ROE) | 9.7212% | 2,838 |
| Retained earnings to average equity (ytd only) | -5.6872% | 4,796 |
| Net charge-offs to loans | 0.0383% | 1,319 |
| Credit loss provision to net charge-offs | -537.3938% | 3,671 |
| Earnings coverage of net charge-offs (x) | 65.7153% | 1,092 |
| Efficiency ratio | 62.9257% | 2,543 |
| Assets per employee ($millions) | 5.1505% | 3,553 |
| Cash dividends to net income (ytd only)* | 158.5032% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,460 |
| Loan loss allowance to noncurrent loans | 255.4554% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 1,865 |
| Noncurrent loans to loans | 0.6073% | 1,789 |
| Net loans and leases to total assets | 49.6796% | 3,442 |
| Net loans and leases to deposits | 58.5219% | 3,364 |
| Net loans and leases to core deposits | 59.3397% | 3,526 |
| Total domestic deposits to total assets | 84.8907% | 3,154 |
| Equity capital to assets | 11.3942% | 1,742 |
| Core capital (leverage) ratio | 9.7438% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4936% | 1,487 |
| Memoranda: | ||
| Average total assets | $4,568,864,750 | 282 |
| Average earning assets | $4,217,526,500 | 277 |
| Average equity | $551,634,000 | 255 |
| Average total loans | $2,457,641,250 | 310 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 3,592 |
| Cost of funding earning assets | 0.1996% | 3,753 |
| Net interest margin | 3.0391% | 3,214 |
| Noninterest income to average assets | 0.9261% | 1,204 |
| Noninterest expense to average assets | 2.3944% | 2,484 |
| Loan and lease loss provision to assets | -0.1012% | 4,629 |
| Net operating income to assets | 1.1490% | 2,371 |
| Return on assets (ROA) | 1.1528% | 2,416 |
| Pretax return on assets | 1.4417% | 2,209 |
| Return on Equity (ROE) | 9.3667% | 2,988 |
| Retained earnings to average equity (ytd only) | -2.7283% | 4,706 |
| Net charge-offs to loans | 0.0316% | 1,337 |
| Credit loss provision to net charge-offs | -582.2335% | 3,515 |
| Earnings coverage of net charge-offs (x) | 76.8756% | 855 |
| Efficiency ratio | 63.1708% | 2,542 |
| Assets per employee ($millions) | 5.2276% | 3,431 |
| Cash dividends to net income (ytd only)* | 129.1273% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,366 |
| Loan loss allowance to noncurrent loans | 256.2796% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 1,949 |
| Noncurrent loans to loans | 0.6112% | 1,873 |
| Net loans and leases to total assets | 52.1932% | 3,326 |
| Net loans and leases to deposits | 61.8352% | 3,219 |
| Net loans and leases to core deposits | 62.8223% | 3,392 |
| Total domestic deposits to total assets | 84.4068% | 3,310 |
| Equity capital to assets | 11.9123% | 1,409 |
| Core capital (leverage) ratio | 10.2137% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8591% | 1,155 |
| Memoranda: | ||
| Average total assets | $4,534,662,333 | 284 |
| Average earning assets | $4,184,063,667 | 277 |
| Average equity | $558,086,000 | 250 |
| Average total loans | $2,491,075,000 | 303 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 3,615 |
| Cost of funding earning assets | 0.2108% | 3,818 |
| Net interest margin | 3.0266% | 3,192 |
| Noninterest income to average assets | 0.8923% | 1,351 |
| Noninterest expense to average assets | 2.3996% | 2,494 |
| Loan and lease loss provision to assets | -0.0087% | 4,576 |
| Net operating income to assets | 1.0247% | 2,728 |
| Return on assets (ROA) | 1.0140% | 2,854 |
| Pretax return on assets | 1.2804% | 2,623 |
| Return on Equity (ROE) | 8.1056% | 3,291 |
| Retained earnings to average equity (ytd only) | 1.5028% | 4,124 |
| Net charge-offs to loans | 0.0753% | 823 |
| Credit loss provision to net charge-offs | -20.7188% | 2,709 |
| Earnings coverage of net charge-offs (x) | 30.5095% | 1,090 |
| Efficiency ratio | 64.0749% | 2,455 |
| Assets per employee ($millions) | 5.0939% | 3,534 |
| Cash dividends to net income (ytd only)* | 81.4597% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,292 |
| Loan loss allowance to noncurrent loans | 254.7971% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 2,061 |
| Noncurrent loans to loans | 0.6286% | 1,997 |
| Net loans and leases to total assets | 54.6341% | 3,175 |
| Net loans and leases to deposits | 65.0832% | 3,015 |
| Net loans and leases to core deposits | 66.3145% | 3,214 |
| Total domestic deposits to total assets | 83.9450% | 3,456 |
| Equity capital to assets | 12.2476% | 1,177 |
| Core capital (leverage) ratio | 10.7567% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7703% | 1,364 |
| Memoranda: | ||
| Average total assets | $4,491,410,000 | 284 |
| Average earning assets | $4,144,085,500 | 279 |
| Average equity | $561,884,500 | 245 |
| Average total loans | $2,511,454,000 | 302 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 3,186 |
| Cost of funding earning assets | 0.3267% | 3,996 |
| Net interest margin | 3.5144% | 2,427 |
| Noninterest income to average assets | 1.0629% | 940 |
| Noninterest expense to average assets | 2.6269% | 2,456 |
| Loan and lease loss provision to assets | 0.1897% | 2,049 |
| Net operating income to assets | 1.1985% | 1,559 |
| Return on assets (ROA) | 1.2031% | 1,650 |
| Pretax return on assets | 1.4668% | 1,450 |
| Return on Equity (ROE) | 8.9441% | 2,418 |
| Retained earnings to average equity (ytd only) | 3.7217% | 2,968 |
| Net charge-offs to loans | 0.0827% | 1,642 |
| Credit loss provision to net charge-offs | 369.9015% | 1,525 |
| Earnings coverage of net charge-offs (x) | 32.1974% | 1,547 |
| Efficiency ratio | 60.4695% | 3,389 |
| Assets per employee ($millions) | 4.8298% | 3,571 |
| Cash dividends to net income (ytd only)* | 58.3893% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,171 |
| Loan loss allowance to noncurrent loans | 243.8172% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,135 |
| Noncurrent loans to loans | 0.6753% | 1,996 |
| Net loans and leases to total assets | 55.3940% | 3,354 |
| Net loans and leases to deposits | 66.8731% | 3,198 |
| Net loans and leases to core deposits | 68.5161% | 3,373 |
| Total domestic deposits to total assets | 82.8344% | 3,457 |
| Equity capital to assets | 12.7803% | 1,186 |
| Core capital (leverage) ratio | 10.8969% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0328% | 1,253 |
| Memoranda: | ||
| Average total assets | $4,160,161,800 | 282 |
| Average earning assets | $3,805,507,800 | 278 |
| Average equity | $559,607,200 | 243 |
| Average total loans | $2,578,225,000 | 294 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 3,205 |
| Cost of funding earning assets | 0.3582% | 4,011 |
| Net interest margin | 3.5565% | 2,406 |
| Noninterest income to average assets | 1.0041% | 1,018 |
| Noninterest expense to average assets | 2.5740% | 2,615 |
| Loan and lease loss provision to assets | 0.2345% | 1,739 |
| Net operating income to assets | 1.1683% | 1,750 |
| Return on assets (ROA) | 1.1743% | 1,853 |
| Pretax return on assets | 1.4490% | 1,574 |
| Return on Equity (ROE) | 8.6138% | 2,559 |
| Retained earnings to average equity (ytd only) | 3.3332% | 3,380 |
| Net charge-offs to loans | 0.0952% | 1,358 |
| Credit loss provision to net charge-offs | 388.1402% | 1,497 |
| Earnings coverage of net charge-offs (x) | 27.7375% | 1,653 |
| Efficiency ratio | 59.6145% | 3,445 |
| Assets per employee ($millions) | 4.6639% | 3,641 |
| Cash dividends to net income (ytd only)* | 61.3037% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,396 |
| Loan loss allowance to noncurrent loans | 110.6589% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 1,957 |
| Noncurrent loans to loans | 0.7085% | 2,024 |
| Net loans and leases to total assets | 61.4247% | 3,074 |
| Net loans and leases to deposits | 74.4519% | 2,915 |
| Net loans and leases to core deposits | 76.3978% | 3,139 |
| Total domestic deposits to total assets | 82.5025% | 3,282 |
| Equity capital to assets | 13.4115% | 1,024 |
| Core capital (leverage) ratio | 11.3493% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8907% | 1,535 |
| Memoranda: | ||
| Average total assets | $4,092,982,000 | 283 |
| Average earning assets | $3,735,577,500 | 279 |
| Average equity | $558,003,250 | 243 |
| Average total loans | $2,599,180,250 | 291 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,280 |
| Cost of funding earning assets | 0.4082% | 4,004 |
| Net interest margin | 3.6104% | 2,450 |
| Noninterest income to average assets | 0.9380% | 1,093 |
| Noninterest expense to average assets | 2.6070% | 2,639 |
| Loan and lease loss provision to assets | 0.1970% | 2,072 |
| Net operating income to assets | 1.1372% | 1,847 |
| Return on assets (ROA) | 1.1461% | 1,943 |
| Pretax return on assets | 1.4319% | 1,636 |
| Return on Equity (ROE) | 8.3590% | 2,609 |
| Retained earnings to average equity (ytd only) | 3.9864% | 2,917 |
| Net charge-offs to loans | 0.1008% | 1,266 |
| Credit loss provision to net charge-offs | 305.0652% | 1,605 |
| Earnings coverage of net charge-offs (x) | 25.0568% | 1,562 |
| Efficiency ratio | 60.7532% | 3,312 |
| Assets per employee ($millions) | 4.5683% | 3,697 |
| Cash dividends to net income (ytd only)* | 52.3108% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 4,617 |
| Loan loss allowance to noncurrent loans | 99.2509% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 2,073 |
| Noncurrent loans to loans | 0.6802% | 2,172 |
| Net loans and leases to total assets | 62.4678% | 3,076 |
| Net loans and leases to deposits | 75.9202% | 2,879 |
| Net loans and leases to core deposits | 77.9350% | 3,114 |
| Total domestic deposits to total assets | 82.2808% | 3,295 |
| Equity capital to assets | 13.3359% | 1,026 |
| Core capital (leverage) ratio | 11.4011% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8647% | 1,530 |
| Memoranda: | ||
| Average total assets | $4,036,383,333 | 283 |
| Average earning assets | $3,674,455,333 | 280 |
| Average equity | $553,436,333 | 245 |
| Average total loans | $2,585,877,667 | 293 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,014 |
| Cost of funding earning assets | 0.5140% | 3,873 |
| Net interest margin | 3.7522% | 2,134 |
| Noninterest income to average assets | 0.9774% | 901 |
| Noninterest expense to average assets | 2.7150% | 2,669 |
| Loan and lease loss provision to assets | 0.2034% | 1,501 |
| Net operating income to assets | 1.1726% | 1,609 |
| Return on assets (ROA) | 1.1884% | 1,670 |
| Pretax return on assets | 1.4853% | 1,344 |
| Return on Equity (ROE) | 8.5414% | 2,297 |
| Retained earnings to average equity (ytd only) | 4.1186% | 2,636 |
| Net charge-offs to loans | 0.1552% | 833 |
| Credit loss provision to net charge-offs | 202.6342% | 1,407 |
| Earnings coverage of net charge-offs (x) | 16.6251% | 1,519 |
| Efficiency ratio | 60.9856% | 3,617 |
| Assets per employee ($millions) | 4.2211% | 3,625 |
| Cash dividends to net income (ytd only)* | 51.7802% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 4,690 |
| Loan loss allowance to noncurrent loans | 129.9158% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 2,501 |
| Noncurrent loans to loans | 0.4992% | 2,771 |
| Net loans and leases to total assets | 63.5029% | 3,124 |
| Net loans and leases to deposits | 77.8246% | 2,905 |
| Net loans and leases to core deposits | 80.2800% | 3,173 |
| Total domestic deposits to total assets | 81.5974% | 3,523 |
| Equity capital to assets | 14.1078% | 1,026 |
| Core capital (leverage) ratio | 12.1052% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5433% | 1,459 |
| Memoranda: | ||
| Average total assets | $3,932,612,000 | 279 |
| Average earning assets | $3,570,456,500 | 277 |
| Average equity | $547,171,000 | 249 |
| Average total loans | $2,544,264,500 | 289 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 2,857 |
| Cost of funding earning assets | 0.5367% | 3,939 |
| Net interest margin | 3.9893% | 1,888 |
| Noninterest income to average assets | 1.2226% | 632 |
| Noninterest expense to average assets | 3.0042% | 2,003 |
| Loan and lease loss provision to assets | 0.0676% | 2,662 |
| Net operating income to assets | 1.4211% | 1,271 |
| Return on assets (ROA) | 1.4222% | 1,343 |
| Pretax return on assets | 1.7825% | 983 |
| Return on Equity (ROE) | 10.0378% | 2,276 |
| Retained earnings to average equity (ytd only) | -6.7797% | 5,026 |
| Net charge-offs to loans | 0.1507% | 1,318 |
| Credit loss provision to net charge-offs | 68.6813% | 2,930 |
| Earnings coverage of net charge-offs (x) | 18.7790% | 2,036 |
| Efficiency ratio | 61.3320% | 3,492 |
| Assets per employee ($millions) | 4.0903% | 3,789 |
| Cash dividends to net income (ytd only)* | 167.5422% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5981% | 4,743 |
| Loan loss allowance to noncurrent loans | 147.9846% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,611 |
| Noncurrent loans to loans | 0.4042% | 2,989 |
| Net loans and leases to total assets | 65.0897% | 3,059 |
| Net loans and leases to deposits | 79.4080% | 2,848 |
| Net loans and leases to core deposits | 82.1801% | 3,107 |
| Total domestic deposits to total assets | 81.9687% | 3,518 |
| Equity capital to assets | 13.7181% | 1,200 |
| Core capital (leverage) ratio | 11.9294% | 1,823 |
| Tier 1 risk-based capital ratio | 15.3956% | 2,622 |
| Total risk-based capital ratio | 15.9118% | 2,842 |
| Memoranda: | ||
| Average total assets | $3,327,491,400 | 297 |
| Average earning assets | $3,028,175,600 | 296 |
| Average equity | $471,448,400 | 256 |
| Average total loans | $2,173,691,400 | 306 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 3,226 |
| Cost of funding earning assets | 0.5306% | 4,021 |
| Net interest margin | 3.9148% | 2,204 |
| Noninterest income to average assets | 1.2016% | 635 |
| Noninterest expense to average assets | 2.9659% | 2,066 |
| Loan and lease loss provision to assets | 0.0629% | 2,632 |
| Net operating income to assets | 1.3949% | 1,487 |
| Return on assets (ROA) | 1.3955% | 1,546 |
| Pretax return on assets | 1.7417% | 1,220 |
| Return on Equity (ROE) | 9.7540% | 2,533 |
| Retained earnings to average equity (ytd only) | -13.4832% | 5,171 |
| Net charge-offs to loans | 0.1614% | 1,039 |
| Credit loss provision to net charge-offs | 59.6896% | 2,714 |
| Earnings coverage of net charge-offs (x) | 17.1186% | 2,110 |
| Efficiency ratio | 61.9136% | 3,338 |
| Assets per employee ($millions) | 3.9759% | 3,939 |
| Cash dividends to net income (ytd only)* | 238.2320% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,832 |
| Loan loss allowance to noncurrent loans | 170.4851% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 2,840 |
| Noncurrent loans to loans | 0.3490% | 3,286 |
| Net loans and leases to total assets | 65.9899% | 3,050 |
| Net loans and leases to deposits | 81.1802% | 2,780 |
| Net loans and leases to core deposits | 85.8455% | 2,920 |
| Total domestic deposits to total assets | 81.2881% | 3,667 |
| Equity capital to assets | 13.6547% | 1,292 |
| Core capital (leverage) ratio | 12.7724% | 1,446 |
| Tier 1 risk-based capital ratio | 14.7590% | 2,972 |
| Total risk-based capital ratio | 15.2673% | 3,230 |
| Memoranda: | ||
| Average total assets | $3,179,747,250 | 309 |
| Average earning assets | $2,898,130,250 | 305 |
| Average equity | $454,925,250 | 267 |
| Average total loans | $2,075,647,500 | 319 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 3,117 |
| Cost of funding earning assets | 0.4636% | 4,266 |
| Net interest margin | 4.0036% | 1,908 |
| Noninterest income to average assets | 1.2605% | 547 |
| Noninterest expense to average assets | 3.0599% | 1,840 |
| Loan and lease loss provision to assets | 0.0510% | 2,792 |
| Net operating income to assets | 1.4281% | 1,350 |
| Return on assets (ROA) | 1.4288% | 1,398 |
| Pretax return on assets | 1.8053% | 1,015 |
| Return on Equity (ROE) | 9.7900% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.2241% | 3,137 |
| Net charge-offs to loans | 0.1171% | 1,260 |
| Credit loss provision to net charge-offs | 67.1441% | 2,342 |
| Earnings coverage of net charge-offs (x) | 24.4467% | 1,626 |
| Efficiency ratio | 61.9372% | 3,444 |
| Assets per employee ($millions) | 3.7967% | 4,132 |
| Cash dividends to net income (ytd only)* | 56.8528% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,338 |
| Loan loss allowance to noncurrent loans | 154.1908% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,637 |
| Noncurrent loans to loans | 0.5379% | 2,662 |
| Net loans and leases to total assets | 64.4525% | 3,292 |
| Net loans and leases to deposits | 79.5184% | 3,004 |
| Net loans and leases to core deposits | 80.9163% | 3,350 |
| Total domestic deposits to total assets | 81.0535% | 3,791 |
| Equity capital to assets | 14.9523% | 829 |
| Core capital (leverage) ratio | 14.2364% | 894 |
| Tier 1 risk-based capital ratio | 18.0639% | 1,793 |
| Total risk-based capital ratio | 18.7607% | 1,899 |
| Memoranda: | ||
| Average total assets | $2,943,521,330 | 324 |
| Average earning assets | $2,687,073,330 | 323 |
| Average equity | $429,582,330 | 278 |
| Average total loans | $1,907,087,670 | 341 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 3,049 |
| Cost of funding earning assets | 0.4445% | 4,315 |
| Net interest margin | 4.0058% | 1,841 |
| Noninterest income to average assets | 1.1260% | 639 |
| Noninterest expense to average assets | 3.0769% | 1,786 |
| Loan and lease loss provision to assets | 0.1024% | 1,723 |
| Net operating income to assets | 1.2696% | 1,816 |
| Return on assets (ROA) | 1.2692% | 1,865 |
| Pretax return on assets | 1.6007% | 1,470 |
| Return on Equity (ROE) | 8.8058% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.2007% | 3,656 |
| Net charge-offs to loans | 0.0981% | 1,157 |
| Credit loss provision to net charge-offs | 161.2903% | 1,185 |
| Earnings coverage of net charge-offs (x) | 26.8430% | 1,390 |
| Efficiency ratio | 64.0381% | 3,236 |
| Assets per employee ($millions) | 3.7423% | 4,284 |
| Cash dividends to net income (ytd only)* | 63.6520% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 4,264 |
| Loan loss allowance to noncurrent loans | 154.8912% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 2,623 |
| Noncurrent loans to loans | 0.5635% | 2,633 |
| Net loans and leases to total assets | 64.3951% | 3,236 |
| Net loans and leases to deposits | 79.8963% | 2,851 |
| Net loans and leases to core deposits | 81.1010% | 3,264 |
| Total domestic deposits to total assets | 80.5984% | 4,052 |
| Equity capital to assets | 14.6179% | 851 |
| Core capital (leverage) ratio | 14.1482% | 913 |
| Tier 1 risk-based capital ratio | 17.9395% | 1,806 |
| Total risk-based capital ratio | 18.6703% | 1,913 |
| Memoranda: | ||
| Average total assets | $2,930,762,000 | 329 |
| Average earning assets | $2,673,712,000 | 327 |
| Average equity | $422,404,000 | 281 |
| Average total loans | $1,895,818,500 | 346 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,957 |
| Cost of funding earning assets | 0.3399% | 4,346 |
| Net interest margin | 4.0008% | 1,983 |
| Noninterest income to average assets | 1.3716% | 485 |
| Noninterest expense to average assets | 3.0389% | 1,971 |
| Loan and lease loss provision to assets | 0.0948% | 2,258 |
| Net operating income to assets | 1.5084% | 1,095 |
| Return on assets (ROA) | 1.5084% | 1,079 |
| Pretax return on assets | 1.8860% | 745 |
| Return on Equity (ROE) | 11.0808% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.0835% | 1,198 |
| Net charge-offs to loans | 0.1564% | 1,228 |
| Credit loss provision to net charge-offs | 94.5667% | 2,650 |
| Earnings coverage of net charge-offs (x) | 19.7517% | 2,042 |
| Efficiency ratio | 60.2418% | 3,815 |
| Assets per employee ($millions) | 3.6964% | 4,323 |
| Cash dividends to net income (ytd only)* | 27.0495% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,300 |
| Loan loss allowance to noncurrent loans | 146.0873% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 2,556 |
| Noncurrent loans to loans | 0.5951% | 2,502 |
| Net loans and leases to total assets | 63.8504% | 3,376 |
| Net loans and leases to deposits | 78.0863% | 3,155 |
| Net loans and leases to core deposits | 79.2592% | 3,479 |
| Total domestic deposits to total assets | 81.7690% | 3,701 |
| Equity capital to assets | 14.2067% | 912 |
| Core capital (leverage) ratio | 14.1903% | 874 |
| Tier 1 risk-based capital ratio | 17.9609% | 1,764 |
| Total risk-based capital ratio | 18.6867% | 1,871 |
| Memoranda: | ||
| Average total assets | $2,899,834,200 | 328 |
| Average earning assets | $2,644,142,200 | 326 |
| Average equity | $394,753,800 | 281 |
| Average total loans | $1,859,068,800 | 347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,986 |
| Cost of funding earning assets | 0.3129% | 4,426 |
| Net interest margin | 3.9811% | 2,011 |
| Noninterest income to average assets | 1.4266% | 464 |
| Noninterest expense to average assets | 3.0221% | 1,945 |
| Loan and lease loss provision to assets | 0.0921% | 2,136 |
| Net operating income to assets | 1.5426% | 1,085 |
| Return on assets (ROA) | 1.5427% | 1,084 |
| Pretax return on assets | 1.9452% | 737 |
| Return on Equity (ROE) | 11.4590% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.4098% | 1,925 |
| Net charge-offs to loans | 0.1621% | 1,018 |
| Credit loss provision to net charge-offs | 88.7705% | 2,436 |
| Earnings coverage of net charge-offs (x) | 19.6245% | 1,994 |
| Efficiency ratio | 59.4434% | 3,895 |
| Assets per employee ($millions) | 3.8567% | 4,099 |
| Cash dividends to net income (ytd only)* | 35.3363% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,372 |
| Loan loss allowance to noncurrent loans | 153.7016% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,726 |
| Noncurrent loans to loans | 0.5655% | 2,683 |
| Net loans and leases to total assets | 63.9213% | 3,439 |
| Net loans and leases to deposits | 78.6406% | 3,176 |
| Net loans and leases to core deposits | 79.7651% | 3,514 |
| Total domestic deposits to total assets | 81.2828% | 3,794 |
| Equity capital to assets | 13.6399% | 1,080 |
| Core capital (leverage) ratio | 13.8211% | 990 |
| Tier 1 risk-based capital ratio | 17.6339% | 1,889 |
| Total risk-based capital ratio | 18.3612% | 1,998 |
| Memoranda: | ||
| Average total assets | $2,893,839,500 | 330 |
| Average earning assets | $2,640,572,000 | 325 |
| Average equity | $389,598,250 | 282 |
| Average total loans | $1,853,026,750 | 348 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,801 |
| Cost of funding earning assets | 0.2896% | 4,499 |
| Net interest margin | 3.9998% | 1,864 |
| Noninterest income to average assets | 1.5166% | 418 |
| Noninterest expense to average assets | 3.0423% | 1,932 |
| Loan and lease loss provision to assets | 0.0865% | 2,184 |
| Net operating income to assets | 1.5967% | 925 |
| Return on assets (ROA) | 1.5968% | 931 |
| Pretax return on assets | 2.0362% | 562 |
| Return on Equity (ROE) | 11.9130% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.8050% | 2,660 |
| Net charge-offs to loans | 0.1683% | 924 |
| Credit loss provision to net charge-offs | 80.4376% | 2,251 |
| Earnings coverage of net charge-offs (x) | 19.7400% | 1,840 |
| Efficiency ratio | 58.6276% | 4,134 |
| Assets per employee ($millions) | 3.6276% | 4,429 |
| Cash dividends to net income (ytd only)* | 51.2718% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,458 |
| Loan loss allowance to noncurrent loans | 114.5176% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,350 |
| Noncurrent loans to loans | 0.7619% | 2,216 |
| Net loans and leases to total assets | 64.0859% | 3,389 |
| Net loans and leases to deposits | 76.9978% | 3,253 |
| Net loans and leases to core deposits | 78.1477% | 3,567 |
| Total domestic deposits to total assets | 83.2308% | 3,342 |
| Equity capital to assets | 13.5199% | 1,096 |
| Core capital (leverage) ratio | 13.4164% | 1,090 |
| Tier 1 risk-based capital ratio | 16.8235% | 2,155 |
| Total risk-based capital ratio | 17.5345% | 2,275 |
| Memoranda: | ||
| Average total assets | $2,890,418,670 | 328 |
| Average earning assets | $2,636,418,000 | 326 |
| Average equity | $387,425,330 | 282 |
| Average total loans | $1,846,497,000 | 347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,542 |
| Cost of funding earning assets | 0.2678% | 4,596 |
| Net interest margin | 3.7491% | 2,616 |
| Noninterest income to average assets | 1.1847% | 652 |
| Noninterest expense to average assets | 3.0789% | 1,879 |
| Loan and lease loss provision to assets | 0.1035% | 1,792 |
| Net operating income to assets | 1.1474% | 2,231 |
| Return on assets (ROA) | 1.1474% | 2,243 |
| Pretax return on assets | 1.4195% | 1,939 |
| Return on Equity (ROE) | 8.5974% | 3,105 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,180 |
| Net charge-offs to loans | 0.1081% | 1,129 |
| Credit loss provision to net charge-offs | 150.9054% | 1,228 |
| Earnings coverage of net charge-offs (x) | 22.1972% | 1,409 |
| Efficiency ratio | 66.5947% | 3,066 |
| Assets per employee ($millions) | 3.5589% | 4,598 |
| Cash dividends to net income (ytd only)* | 71.2429% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,389 |
| Loan loss allowance to noncurrent loans | 108.4168% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,351 |
| Noncurrent loans to loans | 0.8415% | 2,131 |
| Net loans and leases to total assets | 63.3940% | 3,384 |
| Net loans and leases to deposits | 75.6898% | 3,248 |
| Net loans and leases to core deposits | 76.8918% | 3,589 |
| Total domestic deposits to total assets | 83.7550% | 3,415 |
| Equity capital to assets | 13.3633% | 1,085 |
| Core capital (leverage) ratio | 13.0666% | 1,162 |
| Tier 1 risk-based capital ratio | 16.8829% | 2,148 |
| Total risk-based capital ratio | 17.6391% | 2,266 |
| Memoranda: | ||
| Average total assets | $2,897,284,000 | 325 |
| Average earning assets | $2,640,845,000 | 322 |
| Average equity | $386,675,000 | 285 |
| Average total loans | $1,839,857,000 | 348 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 3,719 |
| Cost of funding earning assets | 0.2183% | 4,801 |
| Net interest margin | 3.6838% | 2,862 |
| Noninterest income to average assets | 1.2865% | 643 |
| Noninterest expense to average assets | 2.9457% | 2,296 |
| Loan and lease loss provision to assets | 0.0862% | 2,471 |
| Net operating income to assets | 0.9210% | 2,592 |
| Return on assets (ROA) | 0.9217% | 2,617 |
| Pretax return on assets | 1.5970% | 1,295 |
| Return on Equity (ROE) | 6.7051% | 3,429 |
| Retained earnings to average equity (ytd only) | 0.1497% | 4,953 |
| Net charge-offs to loans | 0.0945% | 2,136 |
| Credit loss provision to net charge-offs | 147.5797% | 1,806 |
| Earnings coverage of net charge-offs (x) | 28.7957% | 1,590 |
| Efficiency ratio | 63.2960% | 3,716 |
| Assets per employee ($millions) | 3.5554% | 4,631 |
| Cash dividends to net income (ytd only)* | 97.7666% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,478 |
| Loan loss allowance to noncurrent loans | 102.3401% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 1,346 |
| Noncurrent loans to loans | 0.8779% | 2,027 |
| Net loans and leases to total assets | 62.4687% | 3,557 |
| Net loans and leases to deposits | 75.6736% | 3,359 |
| Net loans and leases to core deposits | 76.8625% | 3,679 |
| Total domestic deposits to total assets | 82.5502% | 3,712 |
| Equity capital to assets | 13.3292% | 1,122 |
| Core capital (leverage) ratio | 12.8101% | 1,218 |
| Tier 1 risk-based capital ratio | 16.5569% | 2,248 |
| Total risk-based capital ratio | 17.2966% | 2,356 |
| Memoranda: | ||
| Average total assets | $2,900,031,000 | 313 |
| Average earning assets | $2,630,391,200 | 311 |
| Average equity | $398,666,800 | 270 |
| Average total loans | $1,793,408,200 | 337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 3,779 |
| Cost of funding earning assets | 0.2112% | 4,879 |
| Net interest margin | 3.6548% | 2,932 |
| Noninterest income to average assets | 1.3119% | 617 |
| Noninterest expense to average assets | 2.9633% | 2,207 |
| Loan and lease loss provision to assets | 0.0806% | 2,479 |
| Net operating income to assets | 1.1239% | 1,974 |
| Return on assets (ROA) | 1.1246% | 2,038 |
| Pretax return on assets | 1.5847% | 1,474 |
| Return on Equity (ROE) | 8.1182% | 3,071 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,733 |
| Net charge-offs to loans | 0.0783% | 2,019 |
| Credit loss provision to net charge-offs | 167.1442% | 1,550 |
| Earnings coverage of net charge-offs (x) | 34.5214% | 1,436 |
| Efficiency ratio | 63.6697% | 3,614 |
| Assets per employee ($millions) | 3.5773% | 4,612 |
| Cash dividends to net income (ytd only)* | 35.7780% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 4,503 |
| Loan loss allowance to noncurrent loans | 97.0234% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 1,481 |
| Noncurrent loans to loans | 0.9409% | 2,041 |
| Net loans and leases to total assets | 61.4659% | 3,721 |
| Net loans and leases to deposits | 74.2169% | 3,538 |
| Net loans and leases to core deposits | 75.3390% | 3,861 |
| Total domestic deposits to total assets | 82.8192% | 3,519 |
| Equity capital to assets | 14.2435% | 928 |
| Core capital (leverage) ratio | 13.4531% | 1,037 |
| Tier 1 risk-based capital ratio | 17.3509% | 2,050 |
| Total risk-based capital ratio | 18.0915% | 2,162 |
| Memoranda: | ||
| Average total assets | $2,895,293,250 | 316 |
| Average earning assets | $2,626,732,750 | 312 |
| Average equity | $401,064,000 | 265 |
| Average total loans | $1,781,765,000 | 342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,792 |
| Cost of funding earning assets | 0.1992% | 4,992 |
| Net interest margin | 3.6301% | 2,912 |
| Noninterest income to average assets | 1.3727% | 568 |
| Noninterest expense to average assets | 2.9607% | 2,231 |
| Loan and lease loss provision to assets | 0.0865% | 2,257 |
| Net operating income to assets | 1.1395% | 1,825 |
| Return on assets (ROA) | 1.1403% | 1,876 |
| Pretax return on assets | 1.6190% | 1,286 |
| Return on Equity (ROE) | 8.3106% | 2,868 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,372 |
| Net charge-offs to loans | 0.0683% | 1,951 |
| Credit loss provision to net charge-offs | 206.4356% | 1,246 |
| Earnings coverage of net charge-offs (x) | 40.6848% | 1,235 |
| Efficiency ratio | 63.0936% | 3,818 |
| Assets per employee ($millions) | 3.4962% | 4,726 |
| Cash dividends to net income (ytd only)* | 52.9611% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,581 |
| Loan loss allowance to noncurrent loans | 114.8299% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,759 |
| Noncurrent loans to loans | 0.7964% | 2,415 |
| Net loans and leases to total assets | 61.2696% | 3,713 |
| Net loans and leases to deposits | 74.6681% | 3,480 |
| Net loans and leases to core deposits | 75.8564% | 3,787 |
| Total domestic deposits to total assets | 82.0559% | 3,873 |
| Equity capital to assets | 13.9898% | 968 |
| Core capital (leverage) ratio | 13.1423% | 1,120 |
| Tier 1 risk-based capital ratio | 17.1357% | 2,126 |
| Total risk-based capital ratio | 17.8803% | 2,221 |
| Memoranda: | ||
| Average total assets | $2,893,340,000 | 320 |
| Average earning assets | $2,624,141,670 | 318 |
| Average equity | $397,010,330 | 268 |
| Average total loans | $1,775,804,330 | 343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 3,696 |
| Cost of funding earning assets | 0.1825% | 5,135 |
| Net interest margin | 3.6361% | 2,752 |
| Noninterest income to average assets | 1.5740% | 453 |
| Noninterest expense to average assets | 2.9910% | 2,185 |
| Loan and lease loss provision to assets | 0.1037% | 1,840 |
| Net operating income to assets | 1.2229% | 1,450 |
| Return on assets (ROA) | 1.2231% | 1,488 |
| Pretax return on assets | 1.7745% | 849 |
| Return on Equity (ROE) | 9.0020% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.0108% | 2,326 |
| Net charge-offs to loans | 0.0751% | 1,586 |
| Credit loss provision to net charge-offs | 225.9036% | 942 |
| Earnings coverage of net charge-offs (x) | 40.9036% | 1,025 |
| Efficiency ratio | 61.0725% | 4,306 |
| Assets per employee ($millions) | 3.4749% | 4,828 |
| Cash dividends to net income (ytd only)* | 33.2278% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,705 |
| Loan loss allowance to noncurrent loans | 119.1453% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,896 |
| Noncurrent loans to loans | 0.7665% | 2,564 |
| Net loans and leases to total assets | 60.8710% | 3,689 |
| Net loans and leases to deposits | 73.4482% | 3,456 |
| Net loans and leases to core deposits | 74.6884% | 3,769 |
| Total domestic deposits to total assets | 82.8761% | 3,892 |
| Equity capital to assets | 13.8241% | 960 |
| Core capital (leverage) ratio | 13.0765% | 1,114 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,136 |
| Total risk-based capital ratio | 17.8715% | 2,273 |
| Memoranda: | ||
| Average total assets | $2,892,589,000 | 321 |
| Average earning assets | $2,621,161,000 | 320 |
| Average equity | $393,024,000 | 267 |
| Average total loans | $1,768,693,000 | 344 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,106 |
| Cost of funding earning assets | 0.1475% | 5,440 |
| Net interest margin | 3.5878% | 3,115 |
| Noninterest income to average assets | 1.1483% | 865 |
| Noninterest expense to average assets | 2.9331% | 2,552 |
| Loan and lease loss provision to assets | 0.0433% | 3,515 |
| Net operating income to assets | 1.0210% | 2,257 |
| Return on assets (ROA) | 1.0218% | 2,360 |
| Pretax return on assets | 1.4203% | 1,860 |
| Return on Equity (ROE) | 7.6847% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.2412% | 3,602 |
| Net charge-offs to loans | 0.1500% | 1,763 |
| Credit loss provision to net charge-offs | 48.1881% | 3,404 |
| Earnings coverage of net charge-offs (x) | 16.2706% | 2,127 |
| Efficiency ratio | 66.2499% | 3,556 |
| Assets per employee ($millions) | 3.5463% | 4,684 |
| Cash dividends to net income (ytd only)* | 57.8230% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,821 |
| Loan loss allowance to noncurrent loans | 96.4428% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 1,761 |
| Noncurrent loans to loans | 0.9213% | 2,254 |
| Net loans and leases to total assets | 60.3216% | 3,811 |
| Net loans and leases to deposits | 73.7169% | 3,544 |
| Net loans and leases to core deposits | 74.9268% | 3,842 |
| Total domestic deposits to total assets | 81.8287% | 4,119 |
| Equity capital to assets | 13.3530% | 1,109 |
| Core capital (leverage) ratio | 12.8225% | 1,200 |
| Tier 1 risk-based capital ratio | 16.9050% | 2,187 |
| Total risk-based capital ratio | 17.6258% | 2,334 |
| Memoranda: | ||
| Average total assets | $2,885,947,000 | 309 |
| Average earning assets | $2,612,054,200 | 304 |
| Average equity | $383,748,600 | 260 |
| Average total loans | $1,729,124,600 | 336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,131 |
| Cost of funding earning assets | 0.1449% | 5,511 |
| Net interest margin | 3.5885% | 3,114 |
| Noninterest income to average assets | 1.1394% | 884 |
| Noninterest expense to average assets | 2.9336% | 2,527 |
| Loan and lease loss provision to assets | 0.0463% | 3,316 |
| Net operating income to assets | 1.0148% | 2,366 |
| Return on assets (ROA) | 1.0157% | 2,494 |
| Pretax return on assets | 1.4097% | 2,008 |
| Return on Equity (ROE) | 7.6462% | 3,219 |
| Retained earnings to average equity (ytd only) | 1.7040% | 4,825 |
| Net charge-offs to loans | 0.1510% | 1,485 |
| Credit loss provision to net charge-offs | 51.3611% | 3,016 |
| Earnings coverage of net charge-offs (x) | 16.1417% | 2,137 |
| Efficiency ratio | 66.3618% | 3,527 |
| Assets per employee ($millions) | 3.5900% | 4,658 |
| Cash dividends to net income (ytd only)* | 77.7140% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,804 |
| Loan loss allowance to noncurrent loans | 81.9457% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 1,734 |
| Noncurrent loans to loans | 1.1235% | 2,002 |
| Net loans and leases to total assets | 59.3001% | 3,970 |
| Net loans and leases to deposits | 71.4227% | 3,847 |
| Net loans and leases to core deposits | 72.5937% | 4,116 |
| Total domestic deposits to total assets | 83.0269% | 3,588 |
| Equity capital to assets | 13.4077% | 1,288 |
| Core capital (leverage) ratio | 12.7155% | 1,301 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,314 |
| Total risk-based capital ratio | 17.5197% | 2,464 |
| Memoranda: | ||
| Average total assets | $2,880,446,500 | 303 |
| Average earning assets | $2,607,911,750 | 303 |
| Average equity | $382,611,250 | 263 |
| Average total loans | $1,718,944,250 | 339 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,136 |
| Cost of funding earning assets | 0.1449% | 5,584 |
| Net interest margin | 3.6020% | 3,092 |
| Noninterest income to average assets | 1.1282% | 881 |
| Noninterest expense to average assets | 2.9304% | 2,582 |
| Loan and lease loss provision to assets | 0.0279% | 3,569 |
| Net operating income to assets | 1.0191% | 2,302 |
| Return on assets (ROA) | 1.0197% | 2,435 |
| Pretax return on assets | 1.4301% | 1,907 |
| Return on Equity (ROE) | 7.7014% | 3,144 |
| Retained earnings to average equity (ytd only) | -1.2879% | 5,469 |
| Net charge-offs to loans | 0.1060% | 1,766 |
| Credit loss provision to net charge-offs | 44.1989% | 2,729 |
| Earnings coverage of net charge-offs (x) | 23.0674% | 1,603 |
| Efficiency ratio | 66.2817% | 3,637 |
| Assets per employee ($millions) | 3.4984% | 4,753 |
| Cash dividends to net income (ytd only)* | 116.7226% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 4,736 |
| Loan loss allowance to noncurrent loans | 90.9405% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 1,865 |
| Noncurrent loans to loans | 1.0508% | 2,184 |
| Net loans and leases to total assets | 59.9173% | 3,891 |
| Net loans and leases to deposits | 73.1984% | 3,683 |
| Net loans and leases to core deposits | 74.4470% | 3,947 |
| Total domestic deposits to total assets | 81.8561% | 4,039 |
| Equity capital to assets | 13.3920% | 1,285 |
| Core capital (leverage) ratio | 12.4210% | 1,397 |
| Tier 1 risk-based capital ratio | 16.7850% | 2,319 |
| Total risk-based capital ratio | 17.5717% | 2,439 |
| Memoranda: | ||
| Average total assets | $2,865,311,330 | 302 |
| Average earning assets | $2,592,762,000 | 300 |
| Average equity | $379,385,000 | 266 |
| Average total loans | $1,708,207,670 | 342 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,085 |
| Cost of funding earning assets | 0.1427% | 5,659 |
| Net interest margin | 3.6222% | 2,997 |
| Noninterest income to average assets | 1.0549% | 972 |
| Noninterest expense to average assets | 2.8728% | 2,798 |
| Loan and lease loss provision to assets | 0.0558% | 2,828 |
| Net operating income to assets | 0.9987% | 2,286 |
| Return on assets (ROA) | 0.9990% | 2,402 |
| Pretax return on assets | 1.3946% | 1,920 |
| Return on Equity (ROE) | 7.5881% | 3,136 |
| Retained earnings to average equity (ytd only) | -10.4935% | 5,824 |
| Net charge-offs to loans | 0.1092% | 1,471 |
| Credit loss provision to net charge-offs | 86.3931% | 1,791 |
| Earnings coverage of net charge-offs (x) | 22.4341% | 1,402 |
| Efficiency ratio | 65.9401% | 3,816 |
| Assets per employee ($millions) | 3.4904% | 4,824 |
| Cash dividends to net income (ytd only)* | 238.2895% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,592 |
| Loan loss allowance to noncurrent loans | 100.8959% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 1,906 |
| Noncurrent loans to loans | 0.9944% | 2,399 |
| Net loans and leases to total assets | 58.9126% | 3,932 |
| Net loans and leases to deposits | 70.8760% | 3,771 |
| Net loans and leases to core deposits | 72.1778% | 4,056 |
| Total domestic deposits to total assets | 83.1206% | 3,854 |
| Equity capital to assets | 13.1495% | 1,339 |
| Core capital (leverage) ratio | 12.2307% | 1,478 |
| Tier 1 risk-based capital ratio | 16.7524% | 2,374 |
| Total risk-based capital ratio | 17.5753% | 2,504 |
| Memoranda: | ||
| Average total assets | $2,865,378,000 | 298 |
| Average earning assets | $2,585,092,500 | 297 |
| Average equity | $377,224,500 | 268 |
| Average total loans | $1,695,661,000 | 338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,179 |
| Cost of funding earning assets | 0.1417% | 5,738 |
| Net interest margin | 3.6129% | 3,086 |
| Noninterest income to average assets | 1.1622% | 877 |
| Noninterest expense to average assets | 3.0746% | 2,310 |
| Loan and lease loss provision to assets | 0.1006% | 2,305 |
| Net operating income to assets | 0.9281% | 2,711 |
| Return on assets (ROA) | 0.9285% | 2,801 |
| Pretax return on assets | 1.2472% | 2,480 |
| Return on Equity (ROE) | 7.2160% | 3,400 |
| Retained earnings to average equity (ytd only) | 2.7389% | 4,123 |
| Net charge-offs to loans | 0.1180% | 2,191 |
| Credit loss provision to net charge-offs | 144.2069% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.3063% | 1,959 |
| Efficiency ratio | 68.9475% | 3,410 |
| Assets per employee ($millions) | 3.5369% | 4,755 |
| Cash dividends to net income (ytd only)* | 62.0436% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,566 |
| Loan loss allowance to noncurrent loans | 91.1854% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,662 |
| Noncurrent loans to loans | 1.1035% | 2,132 |
| Net loans and leases to total assets | 58.2573% | 4,048 |
| Net loans and leases to deposits | 70.1203% | 3,912 |
| Net loans and leases to core deposits | 71.3915% | 4,186 |
| Total domestic deposits to total assets | 83.0820% | 3,818 |
| Equity capital to assets | 13.1801% | 1,266 |
| Core capital (leverage) ratio | 12.4984% | 1,353 |
| Tier 1 risk-based capital ratio | 17.2263% | 2,212 |
| Total risk-based capital ratio | 18.0526% | 2,313 |
| Memoranda: | ||
| Average total assets | $2,881,754,200 | 289 |
| Average earning assets | $2,599,901,800 | 287 |
| Average equity | $370,803,400 | 261 |
| Average total loans | $1,704,620,000 | 317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,204 |
| Cost of funding earning assets | 0.1431% | 5,828 |
| Net interest margin | 3.6212% | 3,078 |
| Noninterest income to average assets | 1.1744% | 873 |
| Noninterest expense to average assets | 3.0578% | 2,343 |
| Loan and lease loss provision to assets | 0.1064% | 2,093 |
| Net operating income to assets | 0.9398% | 2,763 |
| Return on assets (ROA) | 0.9405% | 2,860 |
| Pretax return on assets | 1.2801% | 2,472 |
| Return on Equity (ROE) | 7.3542% | 3,435 |
| Retained earnings to average equity (ytd only) | 1.4816% | 5,123 |
| Net charge-offs to loans | 0.1084% | 2,044 |
| Credit loss provision to net charge-offs | 165.8255% | 1,557 |
| Earnings coverage of net charge-offs (x) | 21.5876% | 1,817 |
| Efficiency ratio | 68.2277% | 3,497 |
| Assets per employee ($millions) | 3.4894% | 4,807 |
| Cash dividends to net income (ytd only)* | 79.8544% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,715 |
| Loan loss allowance to noncurrent loans | 83.3756% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 1,686 |
| Noncurrent loans to loans | 1.2065% | 2,119 |
| Net loans and leases to total assets | 59.1477% | 3,991 |
| Net loans and leases to deposits | 70.9906% | 3,878 |
| Net loans and leases to core deposits | 72.2966% | 4,163 |
| Total domestic deposits to total assets | 83.3177% | 3,690 |
| Equity capital to assets | 13.1625% | 1,368 |
| Core capital (leverage) ratio | 12.3397% | 1,492 |
| Tier 1 risk-based capital ratio | 17.0793% | 2,347 |
| Total risk-based capital ratio | 17.9144% | 2,455 |
| Memoranda: | ||
| Average total assets | $2,881,548,500 | 290 |
| Average earning assets | $2,601,145,250 | 294 |
| Average equity | $368,522,500 | 266 |
| Average total loans | $1,706,679,750 | 320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 4,322 |
| Cost of funding earning assets | 0.1436% | 5,901 |
| Net interest margin | 3.5845% | 3,153 |
| Noninterest income to average assets | 1.1512% | 905 |
| Noninterest expense to average assets | 3.0468% | 2,406 |
| Loan and lease loss provision to assets | 0.1175% | 1,890 |
| Net operating income to assets | 0.8993% | 2,881 |
| Return on assets (ROA) | 0.9000% | 2,997 |
| Pretax return on assets | 1.2193% | 2,700 |
| Return on Equity (ROE) | 7.1055% | 3,547 |
| Retained earnings to average equity (ytd only) | -0.4026% | 5,588 |
| Net charge-offs to loans | 0.0922% | 2,101 |
| Credit loss provision to net charge-offs | 215.7360% | 1,153 |
| Earnings coverage of net charge-offs (x) | 24.5305% | 1,560 |
| Efficiency ratio | 68.9021% | 3,510 |
| Assets per employee ($millions) | 3.4022% | 4,974 |
| Cash dividends to net income (ytd only)* | 105.6665% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 4,890 |
| Loan loss allowance to noncurrent loans | 67.7569% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5098% | 1,625 |
| Noncurrent loans to loans | 1.4680% | 1,805 |
| Net loans and leases to total assets | 59.0339% | 3,973 |
| Net loans and leases to deposits | 72.1731% | 3,706 |
| Net loans and leases to core deposits | 73.5556% | 3,994 |
| Total domestic deposits to total assets | 81.7949% | 4,362 |
| Equity capital to assets | 12.6329% | 1,583 |
| Core capital (leverage) ratio | 12.0233% | 1,651 |
| Tier 1 risk-based capital ratio | 16.5844% | 2,577 |
| Total risk-based capital ratio | 17.4073% | 2,728 |
| Memoranda: | ||
| Average total assets | $2,894,122,670 | 288 |
| Average earning assets | $2,609,097,670 | 293 |
| Average equity | $366,590,670 | 268 |
| Average total loans | $1,709,189,670 | 314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 4,234 |
| Cost of funding earning assets | 0.1446% | 5,968 |
| Net interest margin | 3.5942% | 3,027 |
| Noninterest income to average assets | 1.1528% | 860 |
| Noninterest expense to average assets | 2.9991% | 2,584 |
| Loan and lease loss provision to assets | 0.1379% | 1,489 |
| Net operating income to assets | 0.9166% | 2,670 |
| Return on assets (ROA) | 0.9170% | 2,787 |
| Pretax return on assets | 1.2480% | 2,479 |
| Return on Equity (ROE) | 7.2297% | 3,382 |
| Retained earnings to average equity (ytd only) | 0.5024% | 5,222 |
| Net charge-offs to loans | 0.1171% | 1,580 |
| Credit loss provision to net charge-offs | 200.4008% | 1,040 |
| Earnings coverage of net charge-offs (x) | 20.1303% | 1,422 |
| Efficiency ratio | 67.7865% | 3,860 |
| Assets per employee ($millions) | 3.3794% | 5,115 |
| Cash dividends to net income (ytd only)* | 93.0516% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,105 |
| Loan loss allowance to noncurrent loans | 70.8581% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 1,793 |
| Noncurrent loans to loans | 1.3912% | 2,063 |
| Net loans and leases to total assets | 57.8469% | 3,966 |
| Net loans and leases to deposits | 69.3424% | 3,819 |
| Net loans and leases to core deposits | 70.6135% | 4,094 |
| Total domestic deposits to total assets | 83.4221% | 4,037 |
| Equity capital to assets | 12.8374% | 1,489 |
| Core capital (leverage) ratio | 12.0702% | 1,597 |
| Tier 1 risk-based capital ratio | 16.8349% | 2,540 |
| Total risk-based capital ratio | 17.6478% | 2,679 |
| Memoranda: | ||
| Average total assets | $2,900,367,500 | 286 |
| Average earning assets | $2,607,748,500 | 291 |
| Average equity | $367,869,500 | 266 |
| Average total loans | $1,704,668,500 | 316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 4,218 |
| Cost of funding earning assets | 0.1869% | 5,859 |
| Net interest margin | 3.6887% | 3,050 |
| Noninterest income to average assets | 1.1756% | 873 |
| Noninterest expense to average assets | 2.9237% | 3,072 |
| Loan and lease loss provision to assets | 0.0987% | 2,510 |
| Net operating income to assets | 1.0287% | 2,271 |
| Return on assets (ROA) | 1.0287% | 2,340 |
| Pretax return on assets | 1.4718% | 1,648 |
| Return on Equity (ROE) | 8.2579% | 2,991 |
| Retained earnings to average equity (ytd only) | 2.2286% | 4,659 |
| Net charge-offs to loans | 0.2340% | 1,804 |
| Credit loss provision to net charge-offs | 71.6934% | 3,029 |
| Earnings coverage of net charge-offs (x) | 11.4049% | 2,493 |
| Efficiency ratio | 64.3519% | 4,544 |
| Assets per employee ($millions) | 3.3501% | 5,169 |
| Cash dividends to net income (ytd only)* | 73.0125% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 5,325 |
| Loan loss allowance to noncurrent loans | 67.4406% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 1,855 |
| Noncurrent loans to loans | 1.3969% | 2,100 |
| Net loans and leases to total assets | 58.5676% | 3,985 |
| Net loans and leases to deposits | 70.5985% | 3,831 |
| Net loans and leases to core deposits | 72.3113% | 4,092 |
| Total domestic deposits to total assets | 82.9587% | 4,092 |
| Equity capital to assets | 12.5302% | 1,627 |
| Core capital (leverage) ratio | 11.8322% | 1,747 |
| Tier 1 risk-based capital ratio | 16.3586% | 2,782 |
| Total risk-based capital ratio | 17.1315% | 2,971 |
| Memoranda: | ||
| Average total assets | $2,937,245,400 | 272 |
| Average earning assets | $2,642,667,400 | 271 |
| Average equity | $365,880,400 | 256 |
| Average total loans | $1,728,789,600 | 297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 4,249 |
| Cost of funding earning assets | 0.2001% | 5,828 |
| Net interest margin | 3.6770% | 3,122 |
| Noninterest income to average assets | 1.1366% | 936 |
| Noninterest expense to average assets | 2.9418% | 2,987 |
| Loan and lease loss provision to assets | 0.0634% | 3,084 |
| Net operating income to assets | 0.9910% | 2,493 |
| Return on assets (ROA) | 0.9909% | 2,555 |
| Pretax return on assets | 1.4399% | 1,849 |
| Return on Equity (ROE) | 7.9668% | 3,229 |
| Retained earnings to average equity (ytd only) | 0.6482% | 5,610 |
| Net charge-offs to loans | 0.3010% | 1,315 |
| Credit loss provision to net charge-offs | 35.8148% | 3,357 |
| Earnings coverage of net charge-offs (x) | 8.4955% | 2,788 |
| Efficiency ratio | 65.4582% | 4,305 |
| Assets per employee ($millions) | 3.4379% | 4,982 |
| Cash dividends to net income (ytd only)* | 91.8642% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 5,750 |
| Loan loss allowance to noncurrent loans | 53.2609% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 1,885 |
| Noncurrent loans to loans | 1.5917% | 2,037 |
| Net loans and leases to total assets | 58.4664% | 4,008 |
| Net loans and leases to deposits | 72.1195% | 3,674 |
| Net loans and leases to core deposits | 73.8745% | 3,953 |
| Total domestic deposits to total assets | 81.0689% | 4,805 |
| Equity capital to assets | 12.4726% | 1,717 |
| Core capital (leverage) ratio | 11.6328% | 1,955 |
| Tier 1 risk-based capital ratio | 15.8644% | 3,119 |
| Total risk-based capital ratio | 16.5645% | 3,355 |
| Memoranda: | ||
| Average total assets | $2,945,413,000 | 272 |
| Average earning assets | $2,650,228,250 | 271 |
| Average equity | $366,363,500 | 250 |
| Average total loans | $1,731,657,250 | 292 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,132 |
| Cost of funding earning assets | 0.2189% | 5,755 |
| Net interest margin | 3.6818% | 3,022 |
| Noninterest income to average assets | 1.1017% | 976 |
| Noninterest expense to average assets | 2.9490% | 3,005 |
| Loan and lease loss provision to assets | 0.0136% | 3,989 |
| Net operating income to assets | 0.9711% | 2,449 |
| Return on assets (ROA) | 0.9710% | 2,533 |
| Pretax return on assets | 1.4425% | 1,741 |
| Return on Equity (ROE) | 7.8138% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.5952% | 2,582 |
| Net charge-offs to loans | 0.2393% | 1,611 |
| Credit loss provision to net charge-offs | 9.6805% | 3,307 |
| Earnings coverage of net charge-offs (x) | 10.3591% | 2,259 |
| Efficiency ratio | 66.1801% | 4,339 |
| Assets per employee ($millions) | 3.4013% | 5,052 |
| Cash dividends to net income (ytd only)* | 28.3932% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 5,739 |
| Loan loss allowance to noncurrent loans | 55.9262% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5966% | 2,053 |
| Noncurrent loans to loans | 1.5985% | 2,172 |
| Net loans and leases to total assets | 58.2441% | 3,961 |
| Net loans and leases to deposits | 71.8324% | 3,593 |
| Net loans and leases to core deposits | 73.4784% | 3,889 |
| Total domestic deposits to total assets | 81.0833% | 4,956 |
| Equity capital to assets | 12.7764% | 1,501 |
| Core capital (leverage) ratio | 11.7010% | 1,851 |
| Tier 1 risk-based capital ratio | 16.2558% | 2,955 |
| Total risk-based capital ratio | 16.9869% | 3,168 |
| Memoranda: | ||
| Average total assets | $2,939,389,000 | 270 |
| Average earning assets | $2,637,385,000 | 271 |
| Average equity | $365,276,670 | 248 |
| Average total loans | $1,726,390,330 | 289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,865 |
| Cost of funding earning assets | 0.2320% | 5,736 |
| Net interest margin | 3.7262% | 2,764 |
| Noninterest income to average assets | 1.0836% | 952 |
| Noninterest expense to average assets | 2.9273% | 3,127 |
| Loan and lease loss provision to assets | 0.1838% | 1,303 |
| Net operating income to assets | 0.8790% | 2,752 |
| Return on assets (ROA) | 0.8790% | 2,817 |
| Pretax return on assets | 1.3135% | 2,053 |
| Return on Equity (ROE) | 7.1741% | 3,372 |
| Retained earnings to average equity (ytd only) | 3.2826% | 4,151 |
| Net charge-offs to loans | 0.2316% | 1,398 |
| Credit loss provision to net charge-offs | 135.1351% | 1,346 |
| Earnings coverage of net charge-offs (x) | 11.0090% | 1,812 |
| Efficiency ratio | 65.3805% | 4,627 |
| Assets per employee ($millions) | 3.4008% | 5,153 |
| Cash dividends to net income (ytd only)* | 54.2441% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,414 |
| Loan loss allowance to noncurrent loans | 59.7512% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 2,233 |
| Noncurrent loans to loans | 1.7186% | 2,254 |
| Net loans and leases to total assets | 57.9089% | 3,853 |
| Net loans and leases to deposits | 69.2363% | 3,702 |
| Net loans and leases to core deposits | 70.7598% | 4,009 |
| Total domestic deposits to total assets | 83.6395% | 4,405 |
| Equity capital to assets | 12.3817% | 1,636 |
| Core capital (leverage) ratio | 11.5710% | 1,921 |
| Tier 1 risk-based capital ratio | 15.8664% | 3,235 |
| Total risk-based capital ratio | 16.7009% | 3,425 |
| Memoranda: | ||
| Average total assets | $2,938,001,000 | 269 |
| Average earning assets | $2,634,296,000 | 269 |
| Average equity | $359,964,000 | 248 |
| Average total loans | $1,725,038,000 | 290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,795 |
| Cost of funding earning assets | 0.3178% | 5,445 |
| Net interest margin | 3.7677% | 2,771 |
| Noninterest income to average assets | 1.1378% | 1,084 |
| Noninterest expense to average assets | 2.9337% | 3,265 |
| Loan and lease loss provision to assets | 0.1807% | 2,039 |
| Net operating income to assets | 0.9689% | 2,475 |
| Return on assets (ROA) | 0.9689% | 2,542 |
| Pretax return on assets | 1.3948% | 1,793 |
| Return on Equity (ROE) | 8.1131% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.0757% | 1,924 |
| Net charge-offs to loans | 0.3916% | 1,718 |
| Credit loss provision to net charge-offs | 75.8349% | 3,147 |
| Earnings coverage of net charge-offs (x) | 6.6122% | 3,024 |
| Efficiency ratio | 64.2263% | 4,856 |
| Assets per employee ($millions) | 3.3573% | 5,179 |
| Cash dividends to net income (ytd only)* | 25.1121% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,552 |
| Loan loss allowance to noncurrent loans | 51.9819% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 2,319 |
| Noncurrent loans to loans | 1.9277% | 2,080 |
| Net loans and leases to total assets | 58.3297% | 3,975 |
| Net loans and leases to deposits | 70.8906% | 3,666 |
| Net loans and leases to core deposits | 72.7268% | 3,987 |
| Total domestic deposits to total assets | 82.2814% | 4,772 |
| Equity capital to assets | 12.1220% | 1,728 |
| Core capital (leverage) ratio | 11.4006% | 2,034 |
| Tier 1 risk-based capital ratio | 15.6774% | 3,262 |
| Total risk-based capital ratio | 16.4938% | 3,466 |
| Memoranda: | ||
| Average total assets | $2,878,145,200 | 262 |
| Average earning assets | $2,575,304,000 | 267 |
| Average equity | $343,727,400 | 246 |
| Average total loans | $1,751,222,000 | 274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,781 |
| Cost of funding earning assets | 0.3459% | 5,334 |
| Net interest margin | 3.7493% | 2,851 |
| Noninterest income to average assets | 1.0949% | 1,215 |
| Noninterest expense to average assets | 2.9189% | 3,240 |
| Loan and lease loss provision to assets | 0.2002% | 1,812 |
| Net operating income to assets | 0.9337% | 2,666 |
| Return on assets (ROA) | 0.9340% | 2,780 |
| Pretax return on assets | 1.3292% | 2,214 |
| Return on Equity (ROE) | 7.8507% | 3,200 |
| Retained earnings to average equity (ytd only) | 5.3268% | 2,858 |
| Net charge-offs to loans | 0.3152% | 1,967 |
| Credit loss provision to net charge-offs | 103.5396% | 2,262 |
| Earnings coverage of net charge-offs (x) | 7.9087% | 2,707 |
| Efficiency ratio | 64.7922% | 4,679 |
| Assets per employee ($millions) | 3.3494% | 5,185 |
| Cash dividends to net income (ytd only)* | 32.1487% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,344 |
| Loan loss allowance to noncurrent loans | 49.7956% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8602% | 2,185 |
| Noncurrent loans to loans | 2.2007% | 2,012 |
| Net loans and leases to total assets | 58.9740% | 3,857 |
| Net loans and leases to deposits | 70.7885% | 3,671 |
| Net loans and leases to core deposits | 72.6031% | 4,016 |
| Total domestic deposits to total assets | 83.3101% | 4,457 |
| Equity capital to assets | 11.6456% | 2,174 |
| Core capital (leverage) ratio | 11.2550% | 2,244 |
| Tier 1 risk-based capital ratio | 15.0601% | 3,715 |
| Total risk-based capital ratio | 15.9589% | 3,907 |
| Memoranda: | ||
| Average total assets | $2,864,112,750 | 263 |
| Average earning assets | $2,561,341,000 | 267 |
| Average equity | $340,736,000 | 247 |
| Average total loans | $1,756,807,750 | 276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,882 |
| Cost of funding earning assets | 0.3850% | 5,082 |
| Net interest margin | 3.6738% | 3,068 |
| Noninterest income to average assets | 1.1450% | 1,167 |
| Noninterest expense to average assets | 2.9005% | 3,333 |
| Loan and lease loss provision to assets | 0.3025% | 1,189 |
| Net operating income to assets | 0.8751% | 2,931 |
| Return on assets (ROA) | 0.8754% | 3,076 |
| Pretax return on assets | 1.2335% | 2,548 |
| Return on Equity (ROE) | 7.3054% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.8429% | 3,855 |
| Net charge-offs to loans | 0.4636% | 1,424 |
| Credit loss provision to net charge-offs | 105.3663% | 2,100 |
| Earnings coverage of net charge-offs (x) | 5.3484% | 2,911 |
| Efficiency ratio | 64.5438% | 4,784 |
| Assets per employee ($millions) | 3.4228% | 5,012 |
| Cash dividends to net income (ytd only)* | 47.3963% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,421 |
| Loan loss allowance to noncurrent loans | 45.1064% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 2,095 |
| Noncurrent loans to loans | 2.4521% | 1,909 |
| Net loans and leases to total assets | 59.7788% | 3,697 |
| Net loans and leases to deposits | 76.8135% | 2,755 |
| Net loans and leases to core deposits | 79.1716% | 3,134 |
| Total domestic deposits to total assets | 77.8233% | 6,008 |
| Equity capital to assets | 11.6932% | 2,131 |
| Core capital (leverage) ratio | 11.3432% | 2,066 |
| Tier 1 risk-based capital ratio | 15.1253% | 3,694 |
| Total risk-based capital ratio | 16.0366% | 3,882 |
| Memoranda: | ||
| Average total assets | $2,843,022,330 | 265 |
| Average earning assets | $2,546,704,330 | 269 |
| Average equity | $340,677,670 | 247 |
| Average total loans | $1,760,569,670 | 278 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,614 |
| Cost of funding earning assets | 0.4009% | 5,092 |
| Net interest margin | 3.7258% | 2,751 |
| Noninterest income to average assets | 1.1378% | 1,156 |
| Noninterest expense to average assets | 2.8742% | 3,444 |
| Loan and lease loss provision to assets | 0.2687% | 1,320 |
| Net operating income to assets | 0.9485% | 2,446 |
| Return on assets (ROA) | 0.9489% | 2,585 |
| Pretax return on assets | 1.3334% | 2,110 |
| Return on Equity (ROE) | 7.8224% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.1778% | 2,077 |
| Net charge-offs to loans | -0.3332% | 6,795 |
| Credit loss provision to net charge-offs | -128.6391% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3776% | 5,099 |
| Assets per employee ($millions) | 3.4509% | 5,086 |
| Cash dividends to net income (ytd only)* | 8.2414% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 4,841 |
| Loan loss allowance to noncurrent loans | 41.0638% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.3529% | 1,977 |
| Noncurrent loans to loans | 3.0975% | 1,606 |
| Net loans and leases to total assets | 60.5882% | 3,329 |
| Net loans and leases to deposits | 75.5305% | 2,705 |
| Net loans and leases to core deposits | 78.2219% | 3,033 |
| Total domestic deposits to total assets | 80.2169% | 5,707 |
| Equity capital to assets | 12.0628% | 1,999 |
| Core capital (leverage) ratio | 11.4371% | 1,914 |
| Tier 1 risk-based capital ratio | 15.1544% | 3,737 |
| Total risk-based capital ratio | 16.2104% | 3,830 |
| Memoranda: | ||
| Average total assets | $2,828,652,000 | 269 |
| Average earning assets | $2,534,142,000 | 271 |
| Average equity | $343,115,500 | 251 |
| Average total loans | $1,772,902,000 | 278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 3,812 |
| Cost of funding earning assets | 0.4830% | 5,331 |
| Net interest margin | 3.9170% | 2,755 |
| Noninterest income to average assets | 1.2634% | 981 |
| Noninterest expense to average assets | 2.9338% | 3,525 |
| Loan and lease loss provision to assets | 0.3490% | 1,913 |
| Net operating income to assets | 1.0546% | 2,102 |
| Return on assets (ROA) | 1.0660% | 2,252 |
| Pretax return on assets | 1.5077% | 1,650 |
| Return on Equity (ROE) | 8.9510% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.2230% | 3,253 |
| Net charge-offs to loans | 0.3838% | 2,722 |
| Credit loss provision to net charge-offs | 141.6799% | 1,936 |
| Earnings coverage of net charge-offs (x) | 7.4717% | 2,593 |
| Efficiency ratio | 60.5073% | 5,464 |
| Assets per employee ($millions) | 3.2937% | 5,432 |
| Cash dividends to net income (ytd only)* | 52.8215% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 5,713 |
| Loan loss allowance to noncurrent loans | 34.3082% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4432% | 2,002 |
| Noncurrent loans to loans | 3.0942% | 1,675 |
| Net loans and leases to total assets | 63.3381% | 3,004 |
| Net loans and leases to deposits | 79.2899% | 2,371 |
| Net loans and leases to core deposits | 82.0681% | 2,761 |
| Total domestic deposits to total assets | 79.8817% | 5,698 |
| Equity capital to assets | 12.1989% | 1,915 |
| Core capital (leverage) ratio | 10.9837% | 2,271 |
| Tier 1 risk-based capital ratio | 14.7797% | 3,847 |
| Total risk-based capital ratio | 15.6722% | 4,036 |
| Memoranda: | ||
| Average total assets | $2,807,764,000 | 261 |
| Average earning assets | $2,516,799,600 | 257 |
| Average equity | $334,385,800 | 258 |
| Average total loans | $1,802,394,000 | 266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 3,888 |
| Cost of funding earning assets | 0.5043% | 5,408 |
| Net interest margin | 3.9348% | 2,780 |
| Noninterest income to average assets | 1.1958% | 1,059 |
| Noninterest expense to average assets | 2.9086% | 3,559 |
| Loan and lease loss provision to assets | 0.3509% | 1,858 |
| Net operating income to assets | 1.0420% | 2,312 |
| Return on assets (ROA) | 1.0501% | 2,502 |
| Pretax return on assets | 1.4794% | 1,959 |
| Return on Equity (ROE) | 8.8711% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,269 |
| Net charge-offs to loans | 0.3756% | 2,596 |
| Credit loss provision to net charge-offs | 145.4688% | 1,960 |
| Earnings coverage of net charge-offs (x) | 7.5394% | 2,589 |
| Efficiency ratio | 60.5588% | 5,399 |
| Assets per employee ($millions) | 3.2986% | 5,444 |
| Cash dividends to net income (ytd only)* | 24.2424% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 5,979 |
| Loan loss allowance to noncurrent loans | 30.0701% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 2.6631% | 1,978 |
| Noncurrent loans to loans | 3.4142% | 1,598 |
| Net loans and leases to total assets | 63.9052% | 3,037 |
| Net loans and leases to deposits | 80.4280% | 2,326 |
| Net loans and leases to core deposits | 83.8698% | 2,714 |
| Total domestic deposits to total assets | 79.4564% | 5,774 |
| Equity capital to assets | 12.3725% | 1,983 |
| Core capital (leverage) ratio | 11.8767% | 1,729 |
| Tier 1 risk-based capital ratio | 14.8476% | 3,950 |
| Total risk-based capital ratio | 15.7113% | 4,178 |
| Memoranda: | ||
| Average total assets | $2,811,449,250 | 262 |
| Average earning assets | $2,523,347,750 | 259 |
| Average equity | $332,802,750 | 260 |
| Average total loans | $1,805,985,250 | 261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 3,937 |
| Cost of funding earning assets | 0.5393% | 5,374 |
| Net interest margin | 3.9224% | 2,822 |
| Noninterest income to average assets | 1.1802% | 1,025 |
| Noninterest expense to average assets | 2.9075% | 3,587 |
| Loan and lease loss provision to assets | 0.3543% | 1,862 |
| Net operating income to assets | 1.0255% | 2,357 |
| Return on assets (ROA) | 1.0368% | 2,535 |
| Pretax return on assets | 1.4541% | 1,997 |
| Return on Equity (ROE) | 8.8909% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.9673% | 2,734 |
| Net charge-offs to loans | 0.4550% | 2,238 |
| Credit loss provision to net charge-offs | 121.4182% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.1433% | 2,687 |
| Efficiency ratio | 60.8578% | 5,443 |
| Assets per employee ($millions) | 3.3837% | 5,241 |
| Cash dividends to net income (ytd only)* | 32.8823% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 6,366 |
| Loan loss allowance to noncurrent loans | 30.7676% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.3580% | 2,368 |
| Noncurrent loans to loans | 3.0421% | 1,936 |
| Net loans and leases to total assets | 64.3776% | 2,956 |
| Net loans and leases to deposits | 81.4039% | 2,184 |
| Net loans and leases to core deposits | 84.1676% | 2,669 |
| Total domestic deposits to total assets | 79.0842% | 5,947 |
| Equity capital to assets | 11.9819% | 2,164 |
| Core capital (leverage) ratio | 11.1845% | 2,137 |
| Tier 1 risk-based capital ratio | 14.1847% | 4,316 |
| Total risk-based capital ratio | 14.9635% | 4,627 |
| Memoranda: | ||
| Average total assets | $2,822,795,330 | 260 |
| Average earning assets | $2,533,006,000 | 258 |
| Average equity | $329,192,000 | 259 |
| Average total loans | $1,810,206,330 | 261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 4,201 |
| Cost of funding earning assets | 0.5742% | 5,324 |
| Net interest margin | 3.8552% | 3,114 |
| Noninterest income to average assets | 1.1139% | 1,139 |
| Noninterest expense to average assets | 2.9834% | 3,319 |
| Loan and lease loss provision to assets | 0.2959% | 2,109 |
| Net operating income to assets | 0.9486% | 2,702 |
| Return on assets (ROA) | 0.9481% | 2,914 |
| Pretax return on assets | 1.2990% | 2,540 |
| Return on Equity (ROE) | 8.2414% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.5603% | 2,145 |
| Net charge-offs to loans | 0.6579% | 1,486 |
| Credit loss provision to net charge-offs | 70.6120% | 2,897 |
| Earnings coverage of net charge-offs (x) | 3.8070% | 2,739 |
| Efficiency ratio | 64.1266% | 4,899 |
| Assets per employee ($millions) | 3.3964% | 5,348 |
| Cash dividends to net income (ytd only)* | 8.2640% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 6,637 |
| Loan loss allowance to noncurrent loans | 29.1731% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 2.2317% | 2,661 |
| Noncurrent loans to loans | 2.9219% | 2,220 |
| Net loans and leases to total assets | 62.7397% | 3,115 |
| Net loans and leases to deposits | 79.6185% | 2,260 |
| Net loans and leases to core deposits | 82.2982% | 2,786 |
| Total domestic deposits to total assets | 78.8004% | 6,122 |
| Equity capital to assets | 11.6848% | 2,273 |
| Core capital (leverage) ratio | 10.9429% | 2,303 |
| Tier 1 risk-based capital ratio | 14.2038% | 4,315 |
| Total risk-based capital ratio | 14.9104% | 4,693 |
| Memoranda: | ||
| Average total assets | $2,838,400,500 | 256 |
| Average earning assets | $2,551,151,000 | 254 |
| Average equity | $326,546,000 | 255 |
| Average total loans | $1,808,242,000 | 259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 4,326 |
| Cost of funding earning assets | 0.7097% | 5,475 |
| Net interest margin | 3.9715% | 3,017 |
| Noninterest income to average assets | 1.1126% | 1,072 |
| Noninterest expense to average assets | 2.5772% | 5,178 |
| Loan and lease loss provision to assets | 0.1990% | 4,198 |
| Net operating income to assets | 1.3662% | 1,093 |
| Return on assets (ROA) | 1.3664% | 1,183 |
| Pretax return on assets | 1.9323% | 622 |
| Return on Equity (ROE) | 10.8262% | 1,756 |
| Retained earnings to average equity (ytd only) | 7.3765% | 1,330 |
| Net charge-offs to loans | 0.4833% | 3,065 |
| Credit loss provision to net charge-offs | 62.9211% | 5,092 |
| Earnings coverage of net charge-offs (x) | 6.7394% | 2,460 |
| Efficiency ratio | 53.9936% | 6,516 |
| Assets per employee ($millions) | 3.3542% | 5,362 |
| Cash dividends to net income (ytd only)* | 31.8644% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,578 |
| Loan loss allowance to noncurrent loans | 30.7214% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 2,807 |
| Noncurrent loans to loans | 2.8626% | 2,283 |
| Net loans and leases to total assets | 63.5649% | 3,277 |
| Net loans and leases to deposits | 81.4484% | 2,282 |
| Net loans and leases to core deposits | 84.4113% | 2,833 |
| Total domestic deposits to total assets | 78.0431% | 6,182 |
| Equity capital to assets | 11.3264% | 2,665 |
| Core capital (leverage) ratio | 12.5096% | 1,349 |
| Tier 1 risk-based capital ratio | 13.9607% | 4,348 |
| Total risk-based capital ratio | 14.7109% | 4,692 |
| Memoranda: | ||
| Average total assets | $2,487,920,400 | 282 |
| Average earning assets | $2,252,516,400 | 279 |
| Average equity | $313,998,600 | 255 |
| Average total loans | $1,627,706,000 | 278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 3,608 |
| Cost of funding earning assets | 0.7492% | 5,472 |
| Net interest margin | 4.1408% | 2,302 |
| Noninterest income to average assets | 1.1660% | 966 |
| Noninterest expense to average assets | 2.6877% | 4,777 |
| Loan and lease loss provision to assets | 0.1911% | 4,114 |
| Net operating income to assets | 1.4307% | 1,098 |
| Return on assets (ROA) | 1.4309% | 1,167 |
| Pretax return on assets | 2.0509% | 565 |
| Return on Equity (ROE) | 11.0014% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.4458% | 1,338 |
| Net charge-offs to loans | 0.3006% | 3,592 |
| Credit loss provision to net charge-offs | 96.6245% | 3,551 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,817 |
| Efficiency ratio | 53.7586% | 6,517 |
| Assets per employee ($millions) | 3.3254% | 5,432 |
| Cash dividends to net income (ytd only)* | 23.2298% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,527 |
| Loan loss allowance to noncurrent loans | 42.8701% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 2,746 |
| Noncurrent loans to loans | 2.7647% | 2,520 |
| Net loans and leases to total assets | 65.3411% | 3,047 |
| Net loans and leases to deposits | 83.9481% | 2,010 |
| Net loans and leases to core deposits | 87.3576% | 2,579 |
| Total domestic deposits to total assets | 77.8352% | 6,217 |
| Equity capital to assets | 13.6361% | 1,313 |
| Core capital (leverage) ratio | 13.3773% | 1,084 |
| Tier 1 risk-based capital ratio | 17.3819% | 2,492 |
| Total risk-based capital ratio | 18.4029% | 2,548 |
| Memoranda: | ||
| Average total assets | $2,396,302,500 | 293 |
| Average earning assets | $2,177,956,250 | 288 |
| Average equity | $311,673,500 | 259 |
| Average total loans | $1,577,010,250 | 288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 3,508 |
| Cost of funding earning assets | 0.7628% | 5,606 |
| Net interest margin | 4.1638% | 2,173 |
| Noninterest income to average assets | 1.1071% | 1,057 |
| Noninterest expense to average assets | 2.7349% | 4,677 |
| Loan and lease loss provision to assets | 0.1631% | 4,298 |
| Net operating income to assets | 1.3717% | 1,140 |
| Return on assets (ROA) | 1.3720% | 1,214 |
| Pretax return on assets | 1.9916% | 597 |
| Return on Equity (ROE) | 10.7230% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.1829% | 1,794 |
| Net charge-offs to loans | 0.3433% | 3,191 |
| Credit loss provision to net charge-offs | 72.3026% | 4,008 |
| Earnings coverage of net charge-offs (x) | 9.5510% | 1,912 |
| Efficiency ratio | 55.1137% | 6,494 |
| Assets per employee ($millions) | 3.3403% | 5,343 |
| Cash dividends to net income (ytd only)* | 33.0143% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,744 |
| Loan loss allowance to noncurrent loans | 39.8543% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.3827% | 2,769 |
| Noncurrent loans to loans | 2.8962% | 2,521 |
| Net loans and leases to total assets | 65.0465% | 3,248 |
| Net loans and leases to deposits | 84.6567% | 2,004 |
| Net loans and leases to core deposits | 87.7206% | 2,678 |
| Total domestic deposits to total assets | 76.8356% | 6,476 |
| Equity capital to assets | 13.1357% | 1,455 |
| Core capital (leverage) ratio | 13.0156% | 1,158 |
| Tier 1 risk-based capital ratio | 16.9103% | 2,560 |
| Total risk-based capital ratio | 17.8981% | 2,629 |
| Memoranda: | ||
| Average total assets | $2,391,426,330 | 296 |
| Average earning assets | $2,172,195,330 | 292 |
| Average equity | $305,978,670 | 262 |
| Average total loans | $1,571,272,330 | 295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 3,405 |
| Cost of funding earning assets | 0.7836% | 5,653 |
| Net interest margin | 4.1486% | 2,087 |
| Noninterest income to average assets | 1.1042% | 1,075 |
| Noninterest expense to average assets | 2.7830% | 4,517 |
| Loan and lease loss provision to assets | 0.0755% | 5,054 |
| Net operating income to assets | 1.3864% | 1,083 |
| Return on assets (ROA) | 1.3865% | 1,133 |
| Pretax return on assets | 2.0122% | 549 |
| Return on Equity (ROE) | 10.9843% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.2428% | 1,067 |
| Net charge-offs to loans | 0.1732% | 3,450 |
| Credit loss provision to net charge-offs | 66.3717% | 3,427 |
| Earnings coverage of net charge-offs (x) | 18.3555% | 1,185 |
| Efficiency ratio | 56.3094% | 6,467 |
| Assets per employee ($millions) | 3.3364% | 5,400 |
| Cash dividends to net income (ytd only)* | 6.7505% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 5,575 |
| Loan loss allowance to noncurrent loans | 41.1139% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.3229% | 2,924 |
| Noncurrent loans to loans | 2.9475% | 2,549 |
| Net loans and leases to total assets | 63.6666% | 3,507 |
| Net loans and leases to deposits | 80.7067% | 2,568 |
| Net loans and leases to core deposits | 83.6008% | 3,219 |
| Total domestic deposits to total assets | 78.8863% | 6,223 |
| Equity capital to assets | 12.7551% | 1,495 |
| Core capital (leverage) ratio | 12.8838% | 1,163 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,528 |
| Total risk-based capital ratio | 17.8912% | 2,580 |
| Memoranda: | ||
| Average total assets | $2,384,637,500 | 300 |
| Average earning assets | $2,164,871,500 | 295 |
| Average equity | $301,011,500 | 262 |
| Average total loans | $1,565,588,500 | 296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 3,561 |
| Cost of funding earning assets | 1.1699% | 4,729 |
| Net interest margin | 4.0391% | 2,844 |
| Noninterest income to average assets | 1.2104% | 1,024 |
| Noninterest expense to average assets | 2.7230% | 4,885 |
| Loan and lease loss provision to assets | 0.3996% | 3,720 |
| Net operating income to assets | 1.2275% | 1,351 |
| Return on assets (ROA) | 1.1265% | 1,700 |
| Pretax return on assets | 1.5927% | 1,144 |
| Return on Equity (ROE) | 9.2228% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.8529% | 3,164 |
| Net charge-offs to loans | 0.4399% | 3,857 |
| Credit loss provision to net charge-offs | 138.9017% | 2,740 |
| Earnings coverage of net charge-offs (x) | 7.4195% | 2,134 |
| Efficiency ratio | 55.1483% | 6,696 |
| Assets per employee ($millions) | 3.2424% | 5,558 |
| Cash dividends to net income (ytd only)* | 58.2238% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,502 |
| Loan loss allowance to noncurrent loans | 46.5723% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.0177% | 3,330 |
| Noncurrent loans to loans | 2.5827% | 2,951 |
| Net loans and leases to total assets | 66.0755% | 3,456 |
| Net loans and leases to deposits | 83.8534% | 2,473 |
| Net loans and leases to core deposits | 86.9819% | 3,187 |
| Total domestic deposits to total assets | 78.7988% | 6,136 |
| Equity capital to assets | 12.4885% | 1,641 |
| Core capital (leverage) ratio | 12.3683% | 1,364 |
| Tier 1 risk-based capital ratio | 16.2625% | 2,630 |
| Total risk-based capital ratio | 17.2890% | 2,690 |
| Memoranda: | ||
| Average total assets | $2,417,831,800 | 296 |
| Average earning assets | $2,183,195,400 | 295 |
| Average equity | $295,334,200 | 257 |
| Average total loans | $1,581,181,000 | 295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 3,693 |
| Cost of funding earning assets | 1.2301% | 4,690 |
| Net interest margin | 3.9981% | 3,112 |
| Noninterest income to average assets | 1.1157% | 1,126 |
| Noninterest expense to average assets | 2.7552% | 4,664 |
| Loan and lease loss provision to assets | 0.3318% | 3,945 |
| Net operating income to assets | 1.1770% | 1,653 |
| Return on assets (ROA) | 1.0504% | 2,175 |
| Pretax return on assets | 1.4616% | 1,717 |
| Return on Equity (ROE) | 8.6466% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.2620% | 2,802 |
| Net charge-offs to loans | 0.4864% | 3,327 |
| Credit loss provision to net charge-offs | 104.8890% | 4,084 |
| Earnings coverage of net charge-offs (x) | 6.2256% | 2,567 |
| Efficiency ratio | 57.3602% | 6,368 |
| Assets per employee ($millions) | 3.3579% | 5,308 |
| Cash dividends to net income (ytd only)* | 39.1438% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,164 |
| Loan loss allowance to noncurrent loans | 38.4897% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 3,523 |
| Noncurrent loans to loans | 2.7263% | 2,916 |
| Net loans and leases to total assets | 63.3893% | 4,237 |
| Net loans and leases to deposits | 83.7100% | 2,754 |
| Net loans and leases to core deposits | 87.0943% | 3,508 |
| Total domestic deposits to total assets | 75.7249% | 6,702 |
| Equity capital to assets | 12.3505% | 1,942 |
| Core capital (leverage) ratio | 12.3208% | 1,490 |
| Tier 1 risk-based capital ratio | 16.1005% | 2,713 |
| Total risk-based capital ratio | 16.9871% | 2,847 |
| Memoranda: | ||
| Average total assets | $2,431,357,250 | 292 |
| Average earning assets | $2,194,518,750 | 289 |
| Average equity | $295,369,250 | 254 |
| Average total loans | $1,581,260,750 | 298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 3,660 |
| Cost of funding earning assets | 1.2917% | 4,585 |
| Net interest margin | 3.9671% | 3,176 |
| Noninterest income to average assets | 1.1090% | 1,073 |
| Noninterest expense to average assets | 2.6540% | 5,111 |
| Loan and lease loss provision to assets | 0.3224% | 3,812 |
| Net operating income to assets | 1.2430% | 1,444 |
| Return on assets (ROA) | 1.0665% | 2,035 |
| Pretax return on assets | 1.4660% | 1,652 |
| Return on Equity (ROE) | 8.8289% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.0805% | 3,483 |
| Net charge-offs to loans | 0.4634% | 3,153 |
| Credit loss provision to net charge-offs | 106.4410% | 3,833 |
| Earnings coverage of net charge-offs (x) | 6.7020% | 2,415 |
| Efficiency ratio | 55.6285% | 6,685 |
| Assets per employee ($millions) | 3.3116% | 5,407 |
| Cash dividends to net income (ytd only)* | 53.7829% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 6,244 |
| Loan loss allowance to noncurrent loans | 40.1978% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9304% | 3,579 |
| Noncurrent loans to loans | 2.5791% | 3,059 |
| Net loans and leases to total assets | 64.7974% | 4,091 |
| Net loans and leases to deposits | 85.8227% | 2,537 |
| Net loans and leases to core deposits | 90.0874% | 3,241 |
| Total domestic deposits to total assets | 75.5014% | 6,777 |
| Equity capital to assets | 12.1877% | 1,985 |
| Core capital (leverage) ratio | 12.1436% | 1,566 |
| Tier 1 risk-based capital ratio | 15.6636% | 2,820 |
| Total risk-based capital ratio | 16.5411% | 2,974 |
| Memoranda: | ||
| Average total assets | $2,419,130,670 | 293 |
| Average earning assets | $2,180,124,330 | 290 |
| Average equity | $292,220,670 | 256 |
| Average total loans | $1,581,327,000 | 299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 3,471 |
| Cost of funding earning assets | 1.3889% | 4,250 |
| Net interest margin | 3.9257% | 3,220 |
| Noninterest income to average assets | 1.1007% | 1,041 |
| Noninterest expense to average assets | 2.6325% | 5,221 |
| Loan and lease loss provision to assets | 0.3236% | 3,471 |
| Net operating income to assets | 1.2719% | 1,356 |
| Return on assets (ROA) | 0.9119% | 2,568 |
| Pretax return on assets | 1.1997% | 2,362 |
| Return on Equity (ROE) | 7.5831% | 3,074 |
| Retained earnings to average equity (ytd only) | 6.7867% | 2,226 |
| Net charge-offs to loans | 0.5654% | 2,387 |
| Credit loss provision to net charge-offs | 87.6404% | 3,710 |
| Earnings coverage of net charge-offs (x) | 5.4076% | 2,407 |
| Efficiency ratio | 55.8169% | 6,787 |
| Assets per employee ($millions) | 3.2274% | 5,705 |
| Cash dividends to net income (ytd only)* | 10.5024% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,350 |
| Loan loss allowance to noncurrent loans | 36.1484% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1029% | 3,382 |
| Noncurrent loans to loans | 2.8303% | 2,839 |
| Net loans and leases to total assets | 65.0367% | 4,091 |
| Net loans and leases to deposits | 87.9438% | 2,235 |
| Net loans and leases to core deposits | 92.6018% | 3,026 |
| Total domestic deposits to total assets | 73.9526% | 7,054 |
| Equity capital to assets | 12.3406% | 1,850 |
| Core capital (leverage) ratio | 12.3314% | 1,479 |
| Tier 1 risk-based capital ratio | 15.8842% | 2,694 |
| Total risk-based capital ratio | 16.7504% | 2,820 |
| Memoranda: | ||
| Average total assets | $2,410,012,000 | 301 |
| Average earning assets | $2,166,366,500 | 302 |
| Average equity | $289,802,000 | 263 |
| Average total loans | $1,574,043,000 | 308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 3,643 |
| Cost of funding earning assets | 1.7870% | 4,061 |
| Net interest margin | 3.8060% | 3,681 |
| Noninterest income to average assets | 1.5044% | 635 |
| Noninterest expense to average assets | 2.7202% | 5,294 |
| Loan and lease loss provision to assets | 0.4249% | 4,278 |
| Net operating income to assets | 1.3559% | 926 |
| Return on assets (ROA) | 1.0070% | 1,867 |
| Pretax return on assets | 1.3429% | 1,578 |
| Return on Equity (ROE) | 8.3795% | 2,244 |
| Retained earnings to average equity (ytd only) | 3.3068% | 2,855 |
| Net charge-offs to loans | 0.4436% | 4,019 |
| Credit loss provision to net charge-offs | 147.3542% | 3,189 |
| Earnings coverage of net charge-offs (x) | 7.7449% | 2,086 |
| Efficiency ratio | 54.3371% | 7,193 |
| Assets per employee ($millions) | 3.2423% | 5,622 |
| Cash dividends to net income (ytd only)* | 60.5374% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 6,206 |
| Loan loss allowance to noncurrent loans | 37.4928% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 3,342 |
| Noncurrent loans to loans | 2.7515% | 2,812 |
| Net loans and leases to total assets | 64.2547% | 4,544 |
| Net loans and leases to deposits | 89.2056% | 2,356 |
| Net loans and leases to core deposits | 102.2316% | 3,782 |
| Total domestic deposits to total assets | 72.0299% | 7,240 |
| Equity capital to assets | 11.7158% | 2,178 |
| Core capital (leverage) ratio | 11.8608% | 1,732 |
| Tier 1 risk-based capital ratio | 14.3167% | 3,314 |
| Total risk-based capital ratio | 15.1252% | 3,530 |
| Memoranda: | ||
| Average total assets | $2,313,680,800 | 312 |
| Average earning assets | $2,096,631,800 | 315 |
| Average equity | $278,035,400 | 268 |
| Average total loans | $1,503,994,400 | 337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 3,765 |
| Cost of funding earning assets | 1.8501% | 4,153 |
| Net interest margin | 3.7661% | 3,796 |
| Noninterest income to average assets | 1.5167% | 644 |
| Noninterest expense to average assets | 2.6750% | 5,434 |
| Loan and lease loss provision to assets | 0.4601% | 3,611 |
| Net operating income to assets | 1.3532% | 1,114 |
| Return on assets (ROA) | 1.0079% | 2,092 |
| Pretax return on assets | 1.3441% | 1,835 |
| Return on Equity (ROE) | 8.3317% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.6497% | 2,681 |
| Net charge-offs to loans | 0.4721% | 3,335 |
| Credit loss provision to net charge-offs | 149.8954% | 3,211 |
| Earnings coverage of net charge-offs (x) | 7.3774% | 2,415 |
| Efficiency ratio | 53.9104% | 7,242 |
| Assets per employee ($millions) | 3.2635% | 5,487 |
| Cash dividends to net income (ytd only)* | 44.1921% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,338 |
| Loan loss allowance to noncurrent loans | 35.0667% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 2.1081% | 3,203 |
| Noncurrent loans to loans | 2.8316% | 2,679 |
| Net loans and leases to total assets | 65.0354% | 4,642 |
| Net loans and leases to deposits | 93.2172% | 2,020 |
| Net loans and leases to core deposits | 107.3120% | 3,558 |
| Total domestic deposits to total assets | 69.7676% | 7,434 |
| Equity capital to assets | 11.9301% | 2,277 |
| Core capital (leverage) ratio | 12.2380% | 1,690 |
| Tier 1 risk-based capital ratio | 15.1958% | 2,954 |
| Total risk-based capital ratio | 16.0265% | 3,098 |
| Memoranda: | ||
| Average total assets | $2,283,352,750 | 328 |
| Average earning assets | $2,075,251,500 | 330 |
| Average equity | $276,224,750 | 276 |
| Average total loans | $1,484,766,500 | 355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 3,875 |
| Cost of funding earning assets | 1.9494% | 4,004 |
| Net interest margin | 3.6883% | 4,004 |
| Noninterest income to average assets | 1.1826% | 1,116 |
| Noninterest expense to average assets | 2.6621% | 5,511 |
| Loan and lease loss provision to assets | 0.4226% | 3,432 |
| Net operating income to assets | 1.1279% | 1,673 |
| Return on assets (ROA) | 0.9083% | 2,527 |
| Pretax return on assets | 1.1735% | 2,376 |
| Return on Equity (ROE) | 7.4713% | 2,998 |
| Retained earnings to average equity (ytd only) | 2.2886% | 4,063 |
| Net charge-offs to loans | 0.5297% | 2,741 |
| Credit loss provision to net charge-offs | 123.1450% | 3,777 |
| Earnings coverage of net charge-offs (x) | 5.4816% | 2,827 |
| Efficiency ratio | 58.4751% | 6,774 |
| Assets per employee ($millions) | 3.3269% | 5,247 |
| Cash dividends to net income (ytd only)* | 69.3685% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,601 |
| Loan loss allowance to noncurrent loans | 39.3657% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 3,524 |
| Noncurrent loans to loans | 2.3867% | 3,024 |
| Net loans and leases to total assets | 65.0478% | 4,757 |
| Net loans and leases to deposits | 95.4871% | 1,876 |
| Net loans and leases to core deposits | 108.9400% | 3,500 |
| Total domestic deposits to total assets | 68.1220% | 7,617 |
| Equity capital to assets | 11.9859% | 2,215 |
| Core capital (leverage) ratio | 12.7079% | 1,535 |
| Tier 1 risk-based capital ratio | 15.9986% | 2,628 |
| Total risk-based capital ratio | 16.7844% | 2,730 |
| Memoranda: | ||
| Average total assets | $2,238,382,670 | 341 |
| Average earning assets | $2,039,623,670 | 339 |
| Average equity | $272,133,000 | 287 |
| Average total loans | $1,450,189,000 | 375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 3,581 |
| Cost of funding earning assets | 2.0277% | 3,999 |
| Net interest margin | 3.7132% | 3,832 |
| Noninterest income to average assets | 1.1679% | 1,073 |
| Noninterest expense to average assets | 2.5730% | 5,558 |
| Loan and lease loss provision to assets | 0.4235% | 2,809 |
| Net operating income to assets | 1.2448% | 1,522 |
| Return on assets (ROA) | 0.8154% | 3,218 |
| Pretax return on assets | 1.0172% | 3,281 |
| Return on Equity (ROE) | 6.6587% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.8111% | 2,722 |
| Net charge-offs to loans | 0.4215% | 2,416 |
| Credit loss provision to net charge-offs | 156.1462% | 2,692 |
| Earnings coverage of net charge-offs (x) | 7.2917% | 2,365 |
| Efficiency ratio | 56.4250% | 6,909 |
| Assets per employee ($millions) | 3.2055% | 5,580 |
| Cash dividends to net income (ytd only)* | 12.7293% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,342 |
| Loan loss allowance to noncurrent loans | 49.1916% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 3,807 |
| Noncurrent loans to loans | 1.9829% | 3,285 |
| Net loans and leases to total assets | 64.1431% | 4,961 |
| Net loans and leases to deposits | 92.2733% | 2,549 |
| Net loans and leases to core deposits | 105.4679% | 3,974 |
| Total domestic deposits to total assets | 69.5143% | 7,472 |
| Equity capital to assets | 12.4751% | 1,988 |
| Core capital (leverage) ratio | 12.7860% | 1,565 |
| Tier 1 risk-based capital ratio | 16.7186% | 2,439 |
| Total risk-based capital ratio | 17.5425% | 2,531 |
| Memoranda: | ||
| Average total assets | $2,219,784,500 | 343 |
| Average earning assets | $2,022,206,500 | 341 |
| Average equity | $271,825,500 | 286 |
| Average total loans | $1,428,157,500 | 378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2358% | 4,321 |
| Cost of funding earning assets | 2.5084% | 4,164 |
| Net interest margin | 3.7274% | 4,347 |
| Noninterest income to average assets | 1.1867% | 1,080 |
| Noninterest expense to average assets | 2.5636% | 5,777 |
| Loan and lease loss provision to assets | 0.2661% | 4,270 |
| Net operating income to assets | 1.3252% | 1,413 |
| Return on assets (ROA) | 1.1263% | 1,963 |
| Pretax return on assets | 1.4797% | 1,738 |
| Return on Equity (ROE) | 9.3601% | 2,492 |
| Retained earnings to average equity (ytd only) | 3.9280% | 2,680 |
| Net charge-offs to loans | 0.3644% | 3,016 |
| Credit loss provision to net charge-offs | 114.4496% | 4,719 |
| Earnings coverage of net charge-offs (x) | 8.6332% | 2,847 |
| Efficiency ratio | 55.9640% | 7,018 |
| Assets per employee ($millions) | 3.2287% | 5,403 |
| Cash dividends to net income (ytd only)* | 58.0342% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,528 |
| Loan loss allowance to noncurrent loans | 88.1367% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 4,836 |
| Noncurrent loans to loans | 1.0496% | 4,473 |
| Net loans and leases to total assets | 63.3111% | 5,401 |
| Net loans and leases to deposits | 91.9870% | 3,135 |
| Net loans and leases to core deposits | 105.6892% | 4,225 |
| Total domestic deposits to total assets | 68.8262% | 7,401 |
| Equity capital to assets | 12.0171% | 2,279 |
| Core capital (leverage) ratio | 12.6437% | 1,686 |
| Tier 1 risk-based capital ratio | 16.3432% | 2,540 |
| Total risk-based capital ratio | 17.1107% | 2,660 |
| Memoranda: | ||
| Average total assets | $2,211,287,600 | 329 |
| Average earning assets | $2,007,780,400 | 330 |
| Average equity | $266,087,800 | 293 |
| Average total loans | $1,411,073,600 | 369 |