Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 2,832 |
| Cost of funding earning assets | 1.4194% | 2,175 |
| Net interest margin | 3.2094% | 2,856 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.5842% | 4,258 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.6702% | 772 |
| Return on assets (ROA) | 1.6829% | 731 |
| Pretax return on assets | 1.8445% | 833 |
| Return on Equity (ROE) | 11.3900% | 2,126 |
| Retained earnings to average equity (ytd only) | 8.2662% | 1,467 |
| Net charge-offs to loans | 0.0012% | 2,816 |
| Credit loss provision to net charge-offs | 13,414.8936% | 40 |
| Earnings coverage of net charge-offs (x) | 3,086.5957% | 43 |
| Efficiency ratio | 45.2907% | 4,219 |
| Assets per employee ($millions) | 8.9010% | 1,020 |
| Cash dividends to net income (ytd only)* | 27.4336% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4963% | 194 |
| Loan loss allowance to noncurrent loans | 1,936.8321% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,108 |
| Noncurrent loans to loans | 0.1289% | 2,870 |
| Net loans and leases to total assets | 51.7300% | 3,495 |
| Net loans and leases to deposits | 64.5353% | 3,262 |
| Net loans and leases to core deposits | 70.7463% | 3,264 |
| Total domestic deposits to total assets | 80.1500% | 3,436 |
| Equity capital to assets | 15.9121% | 467 |
| Core capital (leverage) ratio | 17.3736% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0206% | 476 |
| Memoranda: | ||
| Average total assets | $7,580,866,000 | 201 |
| Average earning assets | $7,186,182,600 | 187 |
| Average equity | $1,120,001,000 | 155 |
| Average total loans | $3,915,955,400 | 242 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,866 |
| Cost of funding earning assets | 1.2897% | 2,175 |
| Net interest margin | 3.2303% | 2,851 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.5747% | 4,260 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.6941% | 802 |
| Return on assets (ROA) | 1.7111% | 768 |
| Pretax return on assets | 1.8785% | 893 |
| Return on Equity (ROE) | 11.8100% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.1599% | 1,903 |
| Net charge-offs to loans | 0.0063% | 2,213 |
| Credit loss provision to net charge-offs | 2,563.0435% | 185 |
| Earnings coverage of net charge-offs (x) | 598.7554% | 259 |
| Efficiency ratio | 44.7648% | 4,199 |
| Assets per employee ($millions) | 8.8027% | 1,002 |
| Cash dividends to net income (ytd only)* | 30.9205% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5262% | 188 |
| Loan loss allowance to noncurrent loans | 2,427.9387% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,228 |
| Noncurrent loans to loans | 0.1040% | 3,054 |
| Net loans and leases to total assets | 51.0300% | 3,552 |
| Net loans and leases to deposits | 62.4761% | 3,374 |
| Net loans and leases to core deposits | 67.8744% | 3,335 |
| Total domestic deposits to total assets | 81.6700% | 3,276 |
| Equity capital to assets | 13.9932% | 654 |
| Core capital (leverage) ratio | 17.3725% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9470% | 495 |
| Memoranda: | ||
| Average total assets | $7,560,134,750 | 201 |
| Average earning assets | $7,161,598,000 | 188 |
| Average equity | $1,095,133,750 | 158 |
| Average total loans | $3,878,523,750 | 246 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,866 |
| Cost of funding earning assets | 1.1500% | 2,133 |
| Net interest margin | 3.2595% | 2,846 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.5501% | 4,295 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7447% | 722 |
| Return on assets (ROA) | 1.7701% | 690 |
| Pretax return on assets | 1.9488% | 806 |
| Return on Equity (ROE) | 12.0800% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.4742% | 1,824 |
| Net charge-offs to loans | 0.0075% | 1,945 |
| Credit loss provision to net charge-offs | 2,156.5517% | 242 |
| Earnings coverage of net charge-offs (x) | 522.6759% | 282 |
| Efficiency ratio | 43.6206% | 4,267 |
| Assets per employee ($millions) | 8.6531% | 1,019 |
| Cash dividends to net income (ytd only)* | 29.8686% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5067% | 221 |
| Loan loss allowance to noncurrent loans | 2,033.8372% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,129 |
| Noncurrent loans to loans | 0.1232% | 2,856 |
| Net loans and leases to total assets | 50.5100% | 3,524 |
| Net loans and leases to deposits | 61.9665% | 3,308 |
| Net loans and leases to core deposits | 66.5490% | 3,323 |
| Total domestic deposits to total assets | 81.5100% | 3,335 |
| Equity capital to assets | 14.9674% | 528 |
| Core capital (leverage) ratio | 17.0706% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4983% | 521 |
| Memoranda: | ||
| Average total assets | $7,565,540,000 | 195 |
| Average earning assets | $7,177,334,667 | 183 |
| Average equity | $1,108,300,000 | 155 |
| Average total loans | $3,854,999,333 | 240 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,942 |
| Cost of funding earning assets | 0.9956% | 2,066 |
| Net interest margin | 3.2490% | 2,997 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.4855% | 4,396 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7548% | 743 |
| Return on assets (ROA) | 1.7820% | 689 |
| Pretax return on assets | 1.9564% | 840 |
| Return on Equity (ROE) | 12.3000% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.6496% | 2,039 |
| Net charge-offs to loans | 0.0027% | 1,927 |
| Credit loss provision to net charge-offs | 5,980.7692% | 84 |
| Earnings coverage of net charge-offs (x) | 1,461.5769% | 61 |
| Efficiency ratio | 42.5124% | 4,368 |
| Assets per employee ($millions) | 8.9075% | 971 |
| Cash dividends to net income (ytd only)* | 29.6648% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4875% | 223 |
| Loan loss allowance to noncurrent loans | 2,212.1856% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,213 |
| Noncurrent loans to loans | 0.1124% | 2,958 |
| Net loans and leases to total assets | 49.8100% | 3,509 |
| Net loans and leases to deposits | 61.1176% | 3,273 |
| Net loans and leases to core deposits | 64.6048% | 3,313 |
| Total domestic deposits to total assets | 81.4900% | 3,559 |
| Equity capital to assets | 14.7787% | 502 |
| Core capital (leverage) ratio | 16.9010% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0482% | 567 |
| Memoranda: | ||
| Average total assets | $7,566,900,000 | 199 |
| Average earning assets | $7,181,458,500 | 188 |
| Average equity | $1,096,470,500 | 158 |
| Average total loans | $3,823,452,000 | 249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 2,846 |
| Cost of funding earning assets | 0.3978% | 2,127 |
| Net interest margin | 3.1858% | 2,913 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.3873% | 4,515 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.8404% | 398 |
| Return on assets (ROA) | 1.8363% | 386 |
| Pretax return on assets | 2.0473% | 427 |
| Return on Equity (ROE) | 13.2200% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.4130% | 807 |
| Net charge-offs to loans | -0.0254% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.4301% | 4,548 |
| Assets per employee ($millions) | 8.8550% | 962 |
| Cash dividends to net income (ytd only)* | 13.6698% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6101% | 190 |
| Loan loss allowance to noncurrent loans | 2,100.2142% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,183 |
| Noncurrent loans to loans | 0.1243% | 2,895 |
| Net loans and leases to total assets | 48.6700% | 3,618 |
| Net loans and leases to deposits | 58.9959% | 3,400 |
| Net loans and leases to core deposits | 60.9595% | 3,452 |
| Total domestic deposits to total assets | 82.5000% | 3,532 |
| Equity capital to assets | 14.1983% | 556 |
| Core capital (leverage) ratio | 16.3422% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9105% | 553 |
| Memoranda: | ||
| Average total assets | $7,967,428,400 | 188 |
| Average earning assets | $7,602,375,400 | 179 |
| Average equity | $1,106,699,600 | 158 |
| Average total loans | $3,454,570,600 | 255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 2,974 |
| Cost of funding earning assets | 0.2950% | 2,226 |
| Net interest margin | 3.0834% | 2,982 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.3510% | 4,551 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.8089% | 423 |
| Return on assets (ROA) | 1.7992% | 423 |
| Pretax return on assets | 2.0077% | 462 |
| Return on Equity (ROE) | 13.0200% | 1,691 |
| Retained earnings to average equity (ytd only) | 12.4231% | 711 |
| Net charge-offs to loans | -0.0379% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.1912% | 4,592 |
| Assets per employee ($millions) | 9.1574% | 842 |
| Cash dividends to net income (ytd only)* | 4.5858% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6413% | 196 |
| Loan loss allowance to noncurrent loans | 1,853.2054% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,746 |
| Noncurrent loans to loans | 0.1425% | 2,911 |
| Net loans and leases to total assets | 45.7800% | 3,777 |
| Net loans and leases to deposits | 54.7561% | 3,560 |
| Net loans and leases to core deposits | 56.0867% | 3,622 |
| Total domestic deposits to total assets | 83.6000% | 3,583 |
| Equity capital to assets | 12.3593% | 803 |
| Core capital (leverage) ratio | 15.8280% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8717% | 576 |
| Memoranda: | ||
| Average total assets | $8,079,817,500 | 182 |
| Average earning assets | $7,721,290,250 | 176 |
| Average equity | $1,116,522,750 | 158 |
| Average total loans | $3,378,974,750 | 257 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1534% | 3,183 |
| Cost of funding earning assets | 0.2411% | 2,382 |
| Net interest margin | 2.9123% | 3,131 |
| Noninterest income to average assets | 0.5153% | 2,110 |
| Noninterest expense to average assets | 1.3228% | 4,582 |
| Loan and lease loss provision to assets | 0.0764% | 1,262 |
| Net operating income to assets | 1.7144% | 415 |
| Return on assets (ROA) | 1.7006% | 420 |
| Pretax return on assets | 1.8926% | 474 |
| Return on Equity (ROE) | 11.9079% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.9079% | 620 |
| Net charge-offs to loans | -0.0582% | 4,295 |
| Credit loss provision to net charge-offs | -326.7503% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9976% | 4,610 |
| Assets per employee ($millions) | 9.3491% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7903% | 175 |
| Loan loss allowance to noncurrent loans | 1,977.5094% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,901 |
| Noncurrent loans to loans | 0.1411% | 2,999 |
| Net loans and leases to total assets | 41.3866% | 4,014 |
| Net loans and leases to deposits | 49.7792% | 3,816 |
| Net loans and leases to core deposits | 50.8496% | 3,888 |
| Total domestic deposits to total assets | 83.1403% | 3,854 |
| Equity capital to assets | 12.8481% | 688 |
| Core capital (leverage) ratio | 14.7602% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2396% | 518 |
| Memoranda: | ||
| Average total assets | $8,181,546,333 | 181 |
| Average earning assets | $7,843,196,333 | 174 |
| Average equity | $1,168,400,667 | 154 |
| Average total loans | $3,286,822,000 | 258 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0045% | 3,245 |
| Cost of funding earning assets | 0.2225% | 2,497 |
| Net interest margin | 2.7820% | 3,192 |
| Noninterest income to average assets | 0.4103% | 2,617 |
| Noninterest expense to average assets | 1.3144% | 4,613 |
| Loan and lease loss provision to assets | 0.0752% | 1,098 |
| Net operating income to assets | 1.5460% | 578 |
| Return on assets (ROA) | 1.5579% | 557 |
| Pretax return on assets | 1.7100% | 669 |
| Return on Equity (ROE) | 10.4050% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.4050% | 924 |
| Net charge-offs to loans | -0.0783% | 4,393 |
| Credit loss provision to net charge-offs | -246.0443% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5864% | 4,593 |
| Assets per employee ($millions) | 9.8969% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8170% | 187 |
| Loan loss allowance to noncurrent loans | 967.4914% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,615 |
| Noncurrent loans to loans | 0.2912% | 2,428 |
| Net loans and leases to total assets | 38.5278% | 4,091 |
| Net loans and leases to deposits | 47.8413% | 3,878 |
| Net loans and leases to core deposits | 48.8858% | 3,935 |
| Total domestic deposits to total assets | 80.5326% | 4,247 |
| Equity capital to assets | 13.8508% | 548 |
| Core capital (leverage) ratio | 14.3115% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4370% | 606 |
| Memoranda: | ||
| Average total assets | $8,275,590,000 | 180 |
| Average earning assets | $7,960,964,000 | 175 |
| Average equity | $1,239,096,000 | 149 |
| Average total loans | $3,228,643,000 | 262 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1467% | 3,590 |
| Cost of funding earning assets | 0.2627% | 2,778 |
| Net interest margin | 2.8840% | 3,484 |
| Noninterest income to average assets | 0.4777% | 2,686 |
| Noninterest expense to average assets | 1.3329% | 4,662 |
| Loan and lease loss provision to assets | 0.0808% | 1,515 |
| Net operating income to assets | 1.7091% | 619 |
| Return on assets (ROA) | 1.7079% | 647 |
| Pretax return on assets | 1.8432% | 832 |
| Return on Equity (ROE) | 10.5015% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.7137% | 992 |
| Net charge-offs to loans | 0.1148% | 782 |
| Credit loss provision to net charge-offs | 178.8652% | 1,371 |
| Earnings coverage of net charge-offs (x) | 42.6289% | 1,399 |
| Efficiency ratio | 40.9093% | 4,669 |
| Assets per employee ($millions) | 9.8882% | 686 |
| Cash dividends to net income (ytd only)* | 7.5019% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8816% | 167 |
| Loan loss allowance to noncurrent loans | 876.8429% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,679 |
| Noncurrent loans to loans | 0.3286% | 2,411 |
| Net loans and leases to total assets | 37.2730% | 4,235 |
| Net loans and leases to deposits | 47.6071% | 4,016 |
| Net loans and leases to core deposits | 48.6952% | 4,070 |
| Total domestic deposits to total assets | 78.2929% | 4,365 |
| Equity capital to assets | 16.1014% | 371 |
| Core capital (leverage) ratio | 14.3140% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6716% | 583 |
| Memoranda: | ||
| Average total assets | $7,804,903,200 | 189 |
| Average earning assets | $7,524,699,400 | 181 |
| Average equity | $1,269,339,400 | 148 |
| Average total loans | $3,071,223,200 | 264 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1682% | 3,666 |
| Cost of funding earning assets | 0.2740% | 2,856 |
| Net interest margin | 2.8942% | 3,566 |
| Noninterest income to average assets | 0.4852% | 2,690 |
| Noninterest expense to average assets | 1.3320% | 4,726 |
| Loan and lease loss provision to assets | 0.0816% | 1,450 |
| Net operating income to assets | 1.6671% | 887 |
| Return on assets (ROA) | 1.6697% | 926 |
| Pretax return on assets | 1.8619% | 1,016 |
| Return on Equity (ROE) | 10.2396% | 2,647 |
| Retained earnings to average equity (ytd only) | 10.2396% | 1,249 |
| Net charge-offs to loans | 0.0250% | 1,542 |
| Credit loss provision to net charge-offs | 823.0366% | 579 |
| Earnings coverage of net charge-offs (x) | 195.6318% | 563 |
| Efficiency ratio | 40.7023% | 4,703 |
| Assets per employee ($millions) | 9.8548% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9775% | 157 |
| Loan loss allowance to noncurrent loans | 718.3163% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,713 |
| Noncurrent loans to loans | 0.4145% | 2,316 |
| Net loans and leases to total assets | 36.9686% | 4,339 |
| Net loans and leases to deposits | 47.4350% | 4,150 |
| Net loans and leases to core deposits | 48.6549% | 4,207 |
| Total domestic deposits to total assets | 77.9354% | 4,434 |
| Equity capital to assets | 16.0113% | 414 |
| Core capital (leverage) ratio | 14.4875% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1714% | 591 |
| Memoranda: | ||
| Average total assets | $7,701,857,000 | 190 |
| Average earning assets | $7,417,628,750 | 179 |
| Average equity | $1,255,907,500 | 149 |
| Average total loans | $3,050,621,000 | 267 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2028% | 3,677 |
| Cost of funding earning assets | 0.2884% | 2,889 |
| Net interest margin | 2.9144% | 3,544 |
| Noninterest income to average assets | 0.4897% | 2,666 |
| Noninterest expense to average assets | 1.3540% | 4,753 |
| Loan and lease loss provision to assets | 0.0827% | 1,478 |
| Net operating income to assets | 1.6679% | 921 |
| Return on assets (ROA) | 1.6719% | 965 |
| Pretax return on assets | 1.8618% | 1,095 |
| Return on Equity (ROE) | 10.1871% | 2,683 |
| Retained earnings to average equity (ytd only) | 10.1871% | 1,347 |
| Net charge-offs to loans | 0.0864% | 816 |
| Credit loss provision to net charge-offs | 238.5202% | 981 |
| Earnings coverage of net charge-offs (x) | 55.9298% | 1,005 |
| Efficiency ratio | 41.1043% | 4,717 |
| Assets per employee ($millions) | 9.3211% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8560% | 177 |
| Loan loss allowance to noncurrent loans | 1,826.3660% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,428 |
| Noncurrent loans to loans | 0.1564% | 3,423 |
| Net loans and leases to total assets | 38.7368% | 4,354 |
| Net loans and leases to deposits | 50.5093% | 4,074 |
| Net loans and leases to core deposits | 51.9255% | 4,138 |
| Total domestic deposits to total assets | 76.6924% | 4,527 |
| Equity capital to assets | 16.1749% | 395 |
| Core capital (leverage) ratio | 14.8964% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7854% | 554 |
| Memoranda: | ||
| Average total assets | $7,559,079,000 | 193 |
| Average earning assets | $7,273,449,333 | 184 |
| Average equity | $1,240,626,667 | 148 |
| Average total loans | $3,034,874,667 | 269 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1448% | 3,791 |
| Cost of funding earning assets | 0.3037% | 2,952 |
| Net interest margin | 2.8411% | 3,666 |
| Noninterest income to average assets | 0.4828% | 2,689 |
| Noninterest expense to average assets | 1.3822% | 4,754 |
| Loan and lease loss provision to assets | 0.0842% | 1,548 |
| Net operating income to assets | 1.5917% | 1,142 |
| Return on assets (ROA) | 1.5936% | 1,191 |
| Pretax return on assets | 1.7500% | 1,393 |
| Return on Equity (ROE) | 9.6352% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.6352% | 1,758 |
| Net charge-offs to loans | 0.1939% | 421 |
| Credit loss provision to net charge-offs | 107.6870% | 1,077 |
| Earnings coverage of net charge-offs (x) | 23.4439% | 1,191 |
| Efficiency ratio | 43.0017% | 4,634 |
| Assets per employee ($millions) | 9.0184% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8759% | 167 |
| Loan loss allowance to noncurrent loans | 907.1061% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 3,475 |
| Noncurrent loans to loans | 0.3170% | 2,966 |
| Net loans and leases to total assets | 39.4636% | 4,364 |
| Net loans and leases to deposits | 51.3420% | 4,081 |
| Net loans and leases to core deposits | 52.8550% | 4,150 |
| Total domestic deposits to total assets | 76.8640% | 4,528 |
| Equity capital to assets | 16.2520% | 365 |
| Core capital (leverage) ratio | 15.2802% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1102% | 505 |
| Memoranda: | ||
| Average total assets | $7,391,127,000 | 195 |
| Average earning assets | $7,105,910,500 | 187 |
| Average equity | $1,222,439,000 | 149 |
| Average total loans | $2,978,224,500 | 273 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 3,646 |
| Cost of funding earning assets | 0.4675% | 3,167 |
| Net interest margin | 3.2063% | 3,341 |
| Noninterest income to average assets | 0.5560% | 2,391 |
| Noninterest expense to average assets | 1.5274% | 4,758 |
| Loan and lease loss provision to assets | 0.0973% | 3,125 |
| Net operating income to assets | 1.8346% | 361 |
| Return on assets (ROA) | 1.8790% | 358 |
| Pretax return on assets | 2.0429% | 418 |
| Return on Equity (ROE) | 10.3235% | 1,874 |
| Retained earnings to average equity (ytd only) | 1.4416% | 4,055 |
| Net charge-offs to loans | 0.0821% | 1,650 |
| Credit loss provision to net charge-offs | 280.1063% | 1,803 |
| Earnings coverage of net charge-offs (x) | 60.2016% | 1,070 |
| Efficiency ratio | 42.2000% | 4,828 |
| Assets per employee ($millions) | 8.6323% | 856 |
| Cash dividends to net income (ytd only)* | 86.0360% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0490% | 138 |
| Loan loss allowance to noncurrent loans | 1,153.2400% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 3,692 |
| Noncurrent loans to loans | 0.2644% | 3,249 |
| Net loans and leases to total assets | 38.7246% | 4,491 |
| Net loans and leases to deposits | 50.5391% | 4,288 |
| Net loans and leases to core deposits | 52.0075% | 4,341 |
| Total domestic deposits to total assets | 76.6230% | 4,455 |
| Equity capital to assets | 16.8391% | 353 |
| Core capital (leverage) ratio | 15.4183% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5502% | 471 |
| Memoranda: | ||
| Average total assets | $6,494,969,800 | 202 |
| Average earning assets | $6,205,562,200 | 195 |
| Average equity | $1,182,177,600 | 149 |
| Average total loans | $2,748,336,400 | 282 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 3,771 |
| Cost of funding earning assets | 0.5114% | 3,154 |
| Net interest margin | 3.2026% | 3,488 |
| Noninterest income to average assets | 0.5483% | 2,390 |
| Noninterest expense to average assets | 1.5486% | 4,769 |
| Loan and lease loss provision to assets | 0.1000% | 3,071 |
| Net operating income to assets | 1.7831% | 469 |
| Return on assets (ROA) | 1.8205% | 480 |
| Pretax return on assets | 1.9977% | 519 |
| Return on Equity (ROE) | 9.7921% | 2,094 |
| Retained earnings to average equity (ytd only) | 6.9509% | 1,718 |
| Net charge-offs to loans | 0.0712% | 1,601 |
| Credit loss provision to net charge-offs | 326.6391% | 1,679 |
| Earnings coverage of net charge-offs (x) | 67.1739% | 1,023 |
| Efficiency ratio | 42.9538% | 4,831 |
| Assets per employee ($millions) | 8.3141% | 900 |
| Cash dividends to net income (ytd only)* | 29.0151% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0227% | 135 |
| Loan loss allowance to noncurrent loans | 2,901.7614% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 4,054 |
| Noncurrent loans to loans | 0.1042% | 3,950 |
| Net loans and leases to total assets | 40.5947% | 4,544 |
| Net loans and leases to deposits | 54.0326% | 4,336 |
| Net loans and leases to core deposits | 55.5301% | 4,393 |
| Total domestic deposits to total assets | 75.1300% | 4,495 |
| Equity capital to assets | 18.1253% | 291 |
| Core capital (leverage) ratio | 16.6109% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1226% | 401 |
| Memoranda: | ||
| Average total assets | $6,310,243,750 | 207 |
| Average earning assets | $6,023,145,750 | 196 |
| Average equity | $1,173,192,750 | 150 |
| Average total loans | $2,713,074,750 | 283 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,734 |
| Cost of funding earning assets | 0.5735% | 3,115 |
| Net interest margin | 3.2781% | 3,441 |
| Noninterest income to average assets | 0.5075% | 2,532 |
| Noninterest expense to average assets | 1.5905% | 4,784 |
| Loan and lease loss provision to assets | 0.1029% | 2,984 |
| Net operating income to assets | 1.7840% | 519 |
| Return on assets (ROA) | 1.7738% | 580 |
| Pretax return on assets | 1.9264% | 646 |
| Return on Equity (ROE) | 9.4517% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.9653% | 2,098 |
| Net charge-offs to loans | 0.0952% | 1,310 |
| Credit loss provision to net charge-offs | 248.9311% | 1,756 |
| Earnings coverage of net charge-offs (x) | 49.3777% | 1,111 |
| Efficiency ratio | 43.8071% | 4,817 |
| Assets per employee ($millions) | 7.8694% | 1,018 |
| Cash dividends to net income (ytd only)* | 36.8861% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0708% | 129 |
| Loan loss allowance to noncurrent loans | 2,129.6480% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,071 |
| Noncurrent loans to loans | 0.1442% | 3,882 |
| Net loans and leases to total assets | 40.2564% | 4,595 |
| Net loans and leases to deposits | 53.5709% | 4,395 |
| Net loans and leases to core deposits | 55.1381% | 4,459 |
| Total domestic deposits to total assets | 75.1459% | 4,503 |
| Equity capital to assets | 18.0369% | 300 |
| Core capital (leverage) ratio | 16.9332% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1026% | 399 |
| Memoranda: | ||
| Average total assets | $6,113,413,667 | 206 |
| Average earning assets | $5,824,588,667 | 197 |
| Average equity | $1,147,329,667 | 153 |
| Average total loans | $2,654,550,000 | 285 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 3,390 |
| Cost of funding earning assets | 0.7134% | 2,875 |
| Net interest margin | 3.4326% | 3,207 |
| Noninterest income to average assets | 0.5122% | 2,492 |
| Noninterest expense to average assets | 1.7171% | 4,755 |
| Loan and lease loss provision to assets | 0.1084% | 2,321 |
| Net operating income to assets | 1.8114% | 406 |
| Return on assets (ROA) | 1.8114% | 447 |
| Pretax return on assets | 1.9503% | 511 |
| Return on Equity (ROE) | 9.4384% | 1,941 |
| Retained earnings to average equity (ytd only) | 2.2538% | 3,351 |
| Net charge-offs to loans | 0.2021% | 682 |
| Credit loss provision to net charge-offs | 120.4598% | 1,705 |
| Earnings coverage of net charge-offs (x) | 22.8820% | 1,342 |
| Efficiency ratio | 45.4763% | 4,846 |
| Assets per employee ($millions) | 6.6541% | 1,259 |
| Cash dividends to net income (ytd only)* | 76.1209% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2985% | 111 |
| Loan loss allowance to noncurrent loans | 2,026.3702% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 4,079 |
| Noncurrent loans to loans | 0.1628% | 3,878 |
| Net loans and leases to total assets | 42.7874% | 4,559 |
| Net loans and leases to deposits | 56.8404% | 4,335 |
| Net loans and leases to core deposits | 58.7930% | 4,405 |
| Total domestic deposits to total assets | 75.2764% | 4,559 |
| Equity capital to assets | 18.3718% | 327 |
| Core capital (leverage) ratio | 18.2691% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6937% | 516 |
| Memoranda: | ||
| Average total assets | $5,802,003,000 | 210 |
| Average earning assets | $5,516,314,000 | 201 |
| Average equity | $1,113,490,000 | 155 |
| Average total loans | $2,582,988,000 | 287 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 3,434 |
| Cost of funding earning assets | 0.8047% | 2,661 |
| Net interest margin | 3.5322% | 3,341 |
| Noninterest income to average assets | 0.5304% | 2,578 |
| Noninterest expense to average assets | 1.7827% | 4,792 |
| Loan and lease loss provision to assets | 0.1139% | 1,851 |
| Net operating income to assets | 1.8691% | 459 |
| Return on assets (ROA) | 1.8771% | 474 |
| Pretax return on assets | 1.9715% | 636 |
| Return on Equity (ROE) | 9.4447% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.6273% | 1,105 |
| Net charge-offs to loans | 0.1077% | 1,652 |
| Credit loss provision to net charge-offs | 228.1940% | 1,170 |
| Earnings coverage of net charge-offs (x) | 41.6232% | 1,282 |
| Efficiency ratio | 46.1713% | 4,905 |
| Assets per employee ($millions) | 6.6761% | 1,195 |
| Cash dividends to net income (ytd only)* | 19.2426% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2191% | 103 |
| Loan loss allowance to noncurrent loans | 2,265.5702% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,105 |
| Noncurrent loans to loans | 0.1421% | 3,963 |
| Net loans and leases to total assets | 43.3467% | 4,626 |
| Net loans and leases to deposits | 57.7101% | 4,384 |
| Net loans and leases to core deposits | 59.6461% | 4,458 |
| Total domestic deposits to total assets | 75.1111% | 4,694 |
| Equity capital to assets | 20.0037% | 255 |
| Core capital (leverage) ratio | 18.4339% | 311 |
| Tier 1 risk-based capital ratio | 22.6085% | 951 |
| Total risk-based capital ratio | 23.8657% | 937 |
| Memoranda: | ||
| Average total assets | $5,537,130,000 | 209 |
| Average earning assets | $5,218,933,000 | 202 |
| Average equity | $1,100,472,000 | 152 |
| Average total loans | $2,565,554,600 | 280 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 3,415 |
| Cost of funding earning assets | 0.8090% | 2,666 |
| Net interest margin | 3.5744% | 3,317 |
| Noninterest income to average assets | 0.5196% | 2,607 |
| Noninterest expense to average assets | 1.7837% | 4,837 |
| Loan and lease loss provision to assets | 0.1151% | 1,692 |
| Net operating income to assets | 1.8636% | 550 |
| Return on assets (ROA) | 1.8705% | 559 |
| Pretax return on assets | 1.9865% | 709 |
| Return on Equity (ROE) | 9.4277% | 2,704 |
| Retained earnings to average equity (ytd only) | 7.5829% | 1,583 |
| Net charge-offs to loans | 0.0911% | 1,559 |
| Credit loss provision to net charge-offs | 270.1031% | 1,028 |
| Earnings coverage of net charge-offs (x) | 49.1598% | 1,214 |
| Efficiency ratio | 45.9742% | 4,936 |
| Assets per employee ($millions) | 6.6106% | 1,222 |
| Cash dividends to net income (ytd only)* | 19.5674% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2219% | 112 |
| Loan loss allowance to noncurrent loans | 1,951.8007% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,112 |
| Noncurrent loans to loans | 0.1651% | 3,951 |
| Net loans and leases to total assets | 44.0952% | 4,688 |
| Net loans and leases to deposits | 59.2627% | 4,413 |
| Net loans and leases to core deposits | 61.5416% | 4,476 |
| Total domestic deposits to total assets | 74.4063% | 4,789 |
| Equity capital to assets | 20.2018% | 248 |
| Core capital (leverage) ratio | 18.7070% | 308 |
| Tier 1 risk-based capital ratio | 22.3376% | 1,029 |
| Total risk-based capital ratio | 23.5949% | 998 |
| Memoranda: | ||
| Average total assets | $5,464,357,000 | 213 |
| Average earning assets | $5,134,259,250 | 205 |
| Average equity | $1,084,124,500 | 153 |
| Average total loans | $2,554,350,500 | 284 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,324 |
| Cost of funding earning assets | 0.7966% | 2,661 |
| Net interest margin | 3.6060% | 3,236 |
| Noninterest income to average assets | 0.4920% | 2,718 |
| Noninterest expense to average assets | 1.8008% | 4,876 |
| Loan and lease loss provision to assets | 0.1160% | 1,616 |
| Net operating income to assets | 1.8511% | 538 |
| Return on assets (ROA) | 1.8567% | 558 |
| Pretax return on assets | 1.9559% | 745 |
| Return on Equity (ROE) | 9.4188% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.5367% | 1,583 |
| Net charge-offs to loans | 0.1287% | 1,171 |
| Credit loss provision to net charge-offs | 191.1369% | 1,259 |
| Earnings coverage of net charge-offs (x) | 34.0373% | 1,369 |
| Efficiency ratio | 46.5387% | 4,966 |
| Assets per employee ($millions) | 6.2153% | 1,396 |
| Cash dividends to net income (ytd only)* | 19.9820% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1494% | 117 |
| Loan loss allowance to noncurrent loans | 2,147.1975% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,134 |
| Noncurrent loans to loans | 0.1467% | 4,029 |
| Net loans and leases to total assets | 45.7295% | 4,649 |
| Net loans and leases to deposits | 61.0954% | 4,372 |
| Net loans and leases to core deposits | 63.1992% | 4,445 |
| Total domestic deposits to total assets | 74.8495% | 4,778 |
| Equity capital to assets | 20.1426% | 243 |
| Core capital (leverage) ratio | 18.3031% | 322 |
| Tier 1 risk-based capital ratio | 21.8157% | 1,074 |
| Total risk-based capital ratio | 23.0727% | 1,051 |
| Memoranda: | ||
| Average total assets | $5,390,760,330 | 216 |
| Average earning assets | $5,045,119,330 | 209 |
| Average equity | $1,062,665,670 | 158 |
| Average total loans | $2,542,355,330 | 286 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 3,268 |
| Cost of funding earning assets | 0.7624% | 2,721 |
| Net interest margin | 3.6275% | 3,146 |
| Noninterest income to average assets | 0.4315% | 2,967 |
| Noninterest expense to average assets | 1.8205% | 4,900 |
| Loan and lease loss provision to assets | 0.1167% | 1,506 |
| Net operating income to assets | 1.7829% | 600 |
| Return on assets (ROA) | 1.8027% | 599 |
| Pretax return on assets | 1.8876% | 813 |
| Return on Equity (ROE) | 9.2494% | 2,692 |
| Retained earnings to average equity (ytd only) | 7.3241% | 1,914 |
| Net charge-offs to loans | 0.1204% | 1,019 |
| Credit loss provision to net charge-offs | 205.6878% | 1,034 |
| Earnings coverage of net charge-offs (x) | 34.9590% | 1,239 |
| Efficiency ratio | 47.8081% | 4,949 |
| Assets per employee ($millions) | 6.2254% | 1,389 |
| Cash dividends to net income (ytd only)* | 20.8160% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2250% | 107 |
| Loan loss allowance to noncurrent loans | 2,566.7193% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,238 |
| Noncurrent loans to loans | 0.1256% | 4,172 |
| Net loans and leases to total assets | 45.1928% | 4,697 |
| Net loans and leases to deposits | 59.7530% | 4,424 |
| Net loans and leases to core deposits | 61.6481% | 4,502 |
| Total domestic deposits to total assets | 75.6327% | 4,800 |
| Equity capital to assets | 19.6876% | 253 |
| Core capital (leverage) ratio | 17.8599% | 346 |
| Tier 1 risk-based capital ratio | 20.8103% | 1,197 |
| Total risk-based capital ratio | 22.0674% | 1,166 |
| Memoranda: | ||
| Average total assets | $5,329,642,500 | 218 |
| Average earning assets | $4,955,004,000 | 212 |
| Average equity | $1,038,767,000 | 161 |
| Average total loans | $2,512,009,000 | 290 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 3,039 |
| Cost of funding earning assets | 0.5737% | 2,894 |
| Net interest margin | 3.7474% | 2,868 |
| Noninterest income to average assets | 0.5060% | 2,805 |
| Noninterest expense to average assets | 1.7513% | 5,047 |
| Loan and lease loss provision to assets | 0.1180% | 1,864 |
| Net operating income to assets | 1.9894% | 368 |
| Return on assets (ROA) | 2.0291% | 338 |
| Pretax return on assets | 2.1570% | 389 |
| Return on Equity (ROE) | 11.1079% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.0588% | 843 |
| Net charge-offs to loans | -0.3134% | 5,311 |
| Credit loss provision to net charge-offs | -81.8831% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9106% | 5,185 |
| Assets per employee ($millions) | 6.2492% | 1,359 |
| Cash dividends to net income (ytd only)* | 18.4475% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 106 |
| Loan loss allowance to noncurrent loans | 2,119.2470% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,112 |
| Noncurrent loans to loans | 0.1517% | 4,061 |
| Net loans and leases to total assets | 46.0482% | 4,733 |
| Net loans and leases to deposits | 60.1488% | 4,468 |
| Net loans and leases to core deposits | 62.2974% | 4,524 |
| Total domestic deposits to total assets | 76.5571% | 4,688 |
| Equity capital to assets | 19.2881% | 259 |
| Core capital (leverage) ratio | 17.0828% | 400 |
| Tier 1 risk-based capital ratio | 20.1216% | 1,282 |
| Total risk-based capital ratio | 21.3785% | 1,262 |
| Memoranda: | ||
| Average total assets | $5,343,028,200 | 213 |
| Average earning assets | $4,959,003,800 | 208 |
| Average equity | $976,025,400 | 163 |
| Average total loans | $2,456,689,000 | 288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,093 |
| Cost of funding earning assets | 0.5389% | 2,939 |
| Net interest margin | 3.7258% | 2,908 |
| Noninterest income to average assets | 0.5063% | 2,829 |
| Noninterest expense to average assets | 1.7253% | 5,113 |
| Loan and lease loss provision to assets | 0.1172% | 1,732 |
| Net operating income to assets | 2.0040% | 370 |
| Return on assets (ROA) | 2.0622% | 329 |
| Pretax return on assets | 2.1936% | 400 |
| Return on Equity (ROE) | 11.4461% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.3764% | 1,084 |
| Net charge-offs to loans | -0.4492% | 5,391 |
| Credit loss provision to net charge-offs | -57.2539% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3645% | 5,238 |
| Assets per employee ($millions) | 6.2383% | 1,324 |
| Cash dividends to net income (ytd only)* | 18.0821% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2309% | 111 |
| Loan loss allowance to noncurrent loans | 2,569.1138% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,168 |
| Noncurrent loans to loans | 0.1258% | 4,321 |
| Net loans and leases to total assets | 45.0819% | 4,836 |
| Net loans and leases to deposits | 58.7031% | 4,610 |
| Net loans and leases to core deposits | 60.8519% | 4,670 |
| Total domestic deposits to total assets | 76.7965% | 4,677 |
| Equity capital to assets | 18.5616% | 292 |
| Core capital (leverage) ratio | 16.7074% | 443 |
| Tier 1 risk-based capital ratio | 19.9946% | 1,337 |
| Total risk-based capital ratio | 21.2516% | 1,300 |
| Memoranda: | ||
| Average total assets | $5,363,328,000 | 211 |
| Average earning assets | $4,992,141,750 | 205 |
| Average equity | $966,305,000 | 162 |
| Average total loans | $2,444,994,500 | 287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 3,158 |
| Cost of funding earning assets | 0.5147% | 2,898 |
| Net interest margin | 3.6711% | 3,040 |
| Noninterest income to average assets | 0.5154% | 2,772 |
| Noninterest expense to average assets | 1.7044% | 5,198 |
| Loan and lease loss provision to assets | 0.1160% | 1,714 |
| Net operating income to assets | 2.0041% | 379 |
| Return on assets (ROA) | 2.0725% | 320 |
| Pretax return on assets | 2.1952% | 392 |
| Return on Equity (ROE) | 11.6175% | 1,866 |
| Retained earnings to average equity (ytd only) | 9.5383% | 1,059 |
| Net charge-offs to loans | -0.6623% | 5,463 |
| Credit loss provision to net charge-offs | -38.6833% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1813% | 5,305 |
| Assets per employee ($millions) | 6.3309% | 1,252 |
| Cash dividends to net income (ytd only)* | 17.8977% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1647% | 120 |
| Loan loss allowance to noncurrent loans | 1,808.8708% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,122 |
| Noncurrent loans to loans | 0.1750% | 4,119 |
| Net loans and leases to total assets | 43.5099% | 4,929 |
| Net loans and leases to deposits | 56.9282% | 4,703 |
| Net loans and leases to core deposits | 59.3007% | 4,736 |
| Total domestic deposits to total assets | 76.4294% | 4,809 |
| Equity capital to assets | 17.8403% | 341 |
| Core capital (leverage) ratio | 16.0570% | 484 |
| Tier 1 risk-based capital ratio | 19.3665% | 1,462 |
| Total risk-based capital ratio | 20.6230% | 1,421 |
| Memoranda: | ||
| Average total assets | $5,391,915,000 | 207 |
| Average earning assets | $5,033,973,330 | 200 |
| Average equity | $961,872,670 | 162 |
| Average total loans | $2,440,438,330 | 285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,939 |
| Cost of funding earning assets | 0.4945% | 2,837 |
| Net interest margin | 3.6871% | 2,855 |
| Noninterest income to average assets | 0.4907% | 2,866 |
| Noninterest expense to average assets | 1.6962% | 5,251 |
| Loan and lease loss provision to assets | 0.1161% | 1,633 |
| Net operating income to assets | 2.0308% | 349 |
| Return on assets (ROA) | 2.1070% | 287 |
| Pretax return on assets | 2.2054% | 376 |
| Return on Equity (ROE) | 11.8114% | 1,646 |
| Retained earnings to average equity (ytd only) | 9.7182% | 1,250 |
| Net charge-offs to loans | 0.0041% | 2,588 |
| Credit loss provision to net charge-offs | 6,220.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,200.9200% | 49 |
| Efficiency ratio | 43.0218% | 5,375 |
| Assets per employee ($millions) | 6.3876% | 1,261 |
| Cash dividends to net income (ytd only)* | 17.7223% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7983% | 191 |
| Loan loss allowance to noncurrent loans | 1,584.6692% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 4,230 |
| Noncurrent loans to loans | 0.1766% | 4,180 |
| Net loans and leases to total assets | 44.0833% | 4,891 |
| Net loans and leases to deposits | 59.1052% | 4,530 |
| Net loans and leases to core deposits | 61.7995% | 4,563 |
| Total domestic deposits to total assets | 74.5846% | 5,099 |
| Equity capital to assets | 17.7882% | 332 |
| Core capital (leverage) ratio | 15.7953% | 516 |
| Tier 1 risk-based capital ratio | 18.8759% | 1,581 |
| Total risk-based capital ratio | 20.1297% | 1,542 |
| Memoranda: | ||
| Average total assets | $5,356,071,000 | 206 |
| Average earning assets | $5,008,393,500 | 199 |
| Average equity | $955,447,000 | 163 |
| Average total loans | $2,433,209,000 | 285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,835 |
| Cost of funding earning assets | 0.4171% | 3,077 |
| Net interest margin | 3.7441% | 2,628 |
| Noninterest income to average assets | 0.5165% | 2,899 |
| Noninterest expense to average assets | 1.7621% | 5,272 |
| Loan and lease loss provision to assets | 0.3238% | 516 |
| Net operating income to assets | 2.3237% | 155 |
| Return on assets (ROA) | 2.3385% | 151 |
| Pretax return on assets | 1.9609% | 536 |
| Return on Equity (ROE) | 14.1465% | 739 |
| Retained earnings to average equity (ytd only) | 11.8827% | 183 |
| Net charge-offs to loans | 0.6087% | 377 |
| Credit loss provision to net charge-offs | 124.9639% | 2,105 |
| Earnings coverage of net charge-offs (x) | 8.7609% | 2,868 |
| Efficiency ratio | 43.4240% | 5,468 |
| Assets per employee ($millions) | 6.4494% | 1,235 |
| Cash dividends to net income (ytd only)* | 16.0027% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7293% | 193 |
| Loan loss allowance to noncurrent loans | 1,370.5215% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 4,072 |
| Noncurrent loans to loans | 0.1991% | 4,113 |
| Net loans and leases to total assets | 44.2636% | 4,964 |
| Net loans and leases to deposits | 60.0461% | 4,563 |
| Net loans and leases to core deposits | 62.6233% | 4,621 |
| Total domestic deposits to total assets | 73.7160% | 5,209 |
| Equity capital to assets | 17.8890% | 326 |
| Core capital (leverage) ratio | 15.7821% | 500 |
| Tier 1 risk-based capital ratio | 18.4147% | 1,672 |
| Total risk-based capital ratio | 19.6717% | 1,629 |
| Memoranda: | ||
| Average total assets | $5,344,522,400 | 201 |
| Average earning assets | $5,018,379,400 | 193 |
| Average equity | $883,461,000 | 166 |
| Average total loans | $2,274,907,200 | 289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 2,852 |
| Cost of funding earning assets | 0.4089% | 3,103 |
| Net interest margin | 3.7270% | 2,667 |
| Noninterest income to average assets | 0.5177% | 2,919 |
| Noninterest expense to average assets | 1.7337% | 5,341 |
| Loan and lease loss provision to assets | 0.1177% | 1,839 |
| Net operating income to assets | 1.8346% | 436 |
| Return on assets (ROA) | 1.8484% | 435 |
| Pretax return on assets | 2.1838% | 379 |
| Return on Equity (ROE) | 11.4169% | 1,520 |
| Retained earnings to average equity (ytd only) | 9.1047% | 812 |
| Net charge-offs to loans | 0.1838% | 1,150 |
| Credit loss provision to net charge-offs | 153.1169% | 1,665 |
| Earnings coverage of net charge-offs (x) | 29.7305% | 1,563 |
| Efficiency ratio | 42.7824% | 5,519 |
| Assets per employee ($millions) | 6.4764% | 1,200 |
| Cash dividends to net income (ytd only)* | 20.2530% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7884% | 188 |
| Loan loss allowance to noncurrent loans | 599.4530% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,796 |
| Noncurrent loans to loans | 0.4652% | 3,307 |
| Net loans and leases to total assets | 41.9891% | 5,113 |
| Net loans and leases to deposits | 56.0326% | 4,873 |
| Net loans and leases to core deposits | 58.8978% | 4,876 |
| Total domestic deposits to total assets | 74.9369% | 5,133 |
| Equity capital to assets | 16.9908% | 430 |
| Core capital (leverage) ratio | 15.7283% | 530 |
| Tier 1 risk-based capital ratio | 18.0937% | 1,833 |
| Total risk-based capital ratio | 19.3462% | 1,786 |
| Memoranda: | ||
| Average total assets | $5,342,411,500 | 201 |
| Average earning assets | $5,018,862,250 | 194 |
| Average equity | $864,928,250 | 166 |
| Average total loans | $2,234,659,000 | 290 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 2,811 |
| Cost of funding earning assets | 0.3914% | 3,155 |
| Net interest margin | 3.7133% | 2,605 |
| Noninterest income to average assets | 0.5048% | 2,998 |
| Noninterest expense to average assets | 1.7331% | 5,381 |
| Loan and lease loss provision to assets | 0.1173% | 1,754 |
| Net operating income to assets | 1.8513% | 408 |
| Return on assets (ROA) | 1.8556% | 418 |
| Pretax return on assets | 2.1533% | 392 |
| Return on Equity (ROE) | 11.6550% | 1,405 |
| Retained earnings to average equity (ytd only) | 9.2997% | 762 |
| Net charge-offs to loans | 0.2009% | 1,005 |
| Credit loss provision to net charge-offs | 141.1101% | 1,582 |
| Earnings coverage of net charge-offs (x) | 27.2649% | 1,545 |
| Efficiency ratio | 42.8945% | 5,552 |
| Assets per employee ($millions) | 6.3646% | 1,221 |
| Cash dividends to net income (ytd only)* | 20.2081% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8052% | 202 |
| Loan loss allowance to noncurrent loans | 482.8789% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 3,624 |
| Noncurrent loans to loans | 0.5809% | 2,990 |
| Net loans and leases to total assets | 41.1914% | 5,183 |
| Net loans and leases to deposits | 56.4762% | 4,838 |
| Net loans and leases to core deposits | 59.5267% | 4,842 |
| Total domestic deposits to total assets | 72.9358% | 5,391 |
| Equity capital to assets | 16.6328% | 447 |
| Core capital (leverage) ratio | 15.3410% | 572 |
| Tier 1 risk-based capital ratio | 17.3872% | 2,043 |
| Total risk-based capital ratio | 18.6392% | 2,000 |
| Memoranda: | ||
| Average total assets | $5,333,582,000 | 205 |
| Average earning assets | $5,018,295,000 | 196 |
| Average equity | $849,164,670 | 168 |
| Average total loans | $2,206,540,330 | 293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 2,529 |
| Cost of funding earning assets | 0.3817% | 3,192 |
| Net interest margin | 3.7542% | 2,289 |
| Noninterest income to average assets | 0.4757% | 3,146 |
| Noninterest expense to average assets | 1.7627% | 5,422 |
| Loan and lease loss provision to assets | 0.1170% | 1,636 |
| Net operating income to assets | 1.8200% | 431 |
| Return on assets (ROA) | 1.7968% | 466 |
| Pretax return on assets | 2.0989% | 412 |
| Return on Equity (ROE) | 11.5473% | 1,390 |
| Retained earnings to average equity (ytd only) | 9.1274% | 1,036 |
| Net charge-offs to loans | -0.0359% | 5,023 |
| Credit loss provision to net charge-offs | -796.9231% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5587% | 5,609 |
| Assets per employee ($millions) | 6.4569% | 1,210 |
| Cash dividends to net income (ytd only)* | 20.9565% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9347% | 190 |
| Loan loss allowance to noncurrent loans | 399.3834% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,462 |
| Noncurrent loans to loans | 0.7348% | 2,659 |
| Net loans and leases to total assets | 39.6901% | 5,257 |
| Net loans and leases to deposits | 53.9074% | 4,940 |
| Net loans and leases to core deposits | 57.2413% | 4,915 |
| Total domestic deposits to total assets | 73.6265% | 5,443 |
| Equity capital to assets | 15.5826% | 559 |
| Core capital (leverage) ratio | 14.6276% | 683 |
| Tier 1 risk-based capital ratio | 17.0457% | 2,169 |
| Total risk-based capital ratio | 18.2993% | 2,120 |
| Memoranda: | ||
| Average total assets | $5,311,318,000 | 202 |
| Average earning assets | $4,993,924,500 | 195 |
| Average equity | $826,481,000 | 169 |
| Average total loans | $2,170,182,000 | 300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,493 |
| Cost of funding earning assets | 0.3728% | 3,290 |
| Net interest margin | 3.8249% | 2,229 |
| Noninterest income to average assets | 0.5235% | 3,076 |
| Noninterest expense to average assets | 1.7609% | 5,512 |
| Loan and lease loss provision to assets | 0.1242% | 1,996 |
| Net operating income to assets | 1.8866% | 383 |
| Return on assets (ROA) | 1.9310% | 382 |
| Pretax return on assets | 2.2900% | 281 |
| Return on Equity (ROE) | 11.9681% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.5329% | 490 |
| Net charge-offs to loans | 0.0746% | 2,633 |
| Credit loss provision to net charge-offs | 407.4098% | 782 |
| Earnings coverage of net charge-offs (x) | 77.4485% | 730 |
| Efficiency ratio | 42.2627% | 5,740 |
| Assets per employee ($millions) | 6.4984% | 1,157 |
| Cash dividends to net income (ytd only)* | 20.3479% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 182 |
| Loan loss allowance to noncurrent loans | 652.7237% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 3,989 |
| Noncurrent loans to loans | 0.4527% | 3,529 |
| Net loans and leases to total assets | 39.6217% | 5,328 |
| Net loans and leases to deposits | 54.5189% | 4,991 |
| Net loans and leases to core deposits | 57.3278% | 5,002 |
| Total domestic deposits to total assets | 72.6751% | 5,518 |
| Equity capital to assets | 15.5382% | 558 |
| Core capital (leverage) ratio | 14.5370% | 689 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,204 |
| Total risk-based capital ratio | 18.1211% | 2,149 |
| Memoranda: | ||
| Average total assets | $5,090,162,800 | 202 |
| Average earning assets | $4,789,260,800 | 196 |
| Average equity | $821,264,400 | 164 |
| Average total loans | $2,080,844,200 | 300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,424 |
| Cost of funding earning assets | 0.3690% | 3,341 |
| Net interest margin | 3.8596% | 2,118 |
| Noninterest income to average assets | 0.5299% | 3,047 |
| Noninterest expense to average assets | 1.7731% | 5,543 |
| Loan and lease loss provision to assets | 0.1248% | 1,867 |
| Net operating income to assets | 1.9173% | 391 |
| Return on assets (ROA) | 1.9767% | 366 |
| Pretax return on assets | 2.3369% | 290 |
| Return on Equity (ROE) | 12.1358% | 1,278 |
| Retained earnings to average equity (ytd only) | 8.8982% | 850 |
| Net charge-offs to loans | 0.0691% | 2,333 |
| Credit loss provision to net charge-offs | 441.5112% | 782 |
| Earnings coverage of net charge-offs (x) | 84.6165% | 745 |
| Efficiency ratio | 42.1205% | 5,782 |
| Assets per employee ($millions) | 6.3909% | 1,182 |
| Cash dividends to net income (ytd only)* | 26.6784% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9161% | 210 |
| Loan loss allowance to noncurrent loans | 590.1353% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 4,001 |
| Noncurrent loans to loans | 0.4941% | 3,518 |
| Net loans and leases to total assets | 39.5284% | 5,404 |
| Net loans and leases to deposits | 56.4959% | 4,962 |
| Net loans and leases to core deposits | 59.5559% | 4,957 |
| Total domestic deposits to total assets | 69.9668% | 5,699 |
| Equity capital to assets | 16.4660% | 493 |
| Core capital (leverage) ratio | 15.0256% | 627 |
| Tier 1 risk-based capital ratio | 17.7120% | 2,002 |
| Total risk-based capital ratio | 18.9648% | 1,960 |
| Memoranda: | ||
| Average total assets | $5,056,534,750 | 203 |
| Average earning assets | $4,762,385,750 | 195 |
| Average equity | $823,625,000 | 163 |
| Average total loans | $2,067,772,500 | 299 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,356 |
| Cost of funding earning assets | 0.3687% | 3,369 |
| Net interest margin | 3.8744% | 2,067 |
| Noninterest income to average assets | 0.5443% | 2,934 |
| Noninterest expense to average assets | 1.7779% | 5,620 |
| Loan and lease loss provision to assets | 0.1257% | 1,810 |
| Net operating income to assets | 1.9593% | 357 |
| Return on assets (ROA) | 2.0375% | 323 |
| Pretax return on assets | 2.3978% | 256 |
| Return on Equity (ROE) | 12.5564% | 1,149 |
| Retained earnings to average equity (ytd only) | 10.0932% | 575 |
| Net charge-offs to loans | 0.0644% | 2,277 |
| Credit loss provision to net charge-offs | 476.3636% | 684 |
| Earnings coverage of net charge-offs (x) | 92.1682% | 622 |
| Efficiency ratio | 41.7848% | 5,866 |
| Assets per employee ($millions) | 6.1365% | 1,310 |
| Cash dividends to net income (ytd only)* | 19.6175% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 231 |
| Loan loss allowance to noncurrent loans | 493.5321% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,933 |
| Noncurrent loans to loans | 0.5824% | 3,317 |
| Net loans and leases to total assets | 40.0515% | 5,420 |
| Net loans and leases to deposits | 56.7474% | 4,966 |
| Net loans and leases to core deposits | 59.8251% | 4,989 |
| Total domestic deposits to total assets | 70.5786% | 5,754 |
| Equity capital to assets | 16.5721% | 480 |
| Core capital (leverage) ratio | 15.0456% | 602 |
| Tier 1 risk-based capital ratio | 17.4065% | 2,094 |
| Total risk-based capital ratio | 18.6589% | 2,059 |
| Memoranda: | ||
| Average total assets | $5,003,723,670 | 204 |
| Average earning assets | $4,733,311,000 | 196 |
| Average equity | $811,935,000 | 163 |
| Average total loans | $2,049,260,670 | 301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,252 |
| Cost of funding earning assets | 0.3729% | 3,368 |
| Net interest margin | 3.8927% | 1,954 |
| Noninterest income to average assets | 0.5170% | 3,010 |
| Noninterest expense to average assets | 1.7805% | 5,672 |
| Loan and lease loss provision to assets | 0.1272% | 1,668 |
| Net operating income to assets | 1.9794% | 350 |
| Return on assets (ROA) | 2.0973% | 292 |
| Pretax return on assets | 2.4319% | 266 |
| Return on Equity (ROE) | 13.0695% | 1,026 |
| Retained earnings to average equity (ytd only) | 10.5485% | 731 |
| Net charge-offs to loans | 0.1235% | 1,365 |
| Credit loss provision to net charge-offs | 252.3274% | 938 |
| Earnings coverage of net charge-offs (x) | 48.0465% | 906 |
| Efficiency ratio | 41.9096% | 5,924 |
| Assets per employee ($millions) | 6.0846% | 1,350 |
| Cash dividends to net income (ytd only)* | 19.2894% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9080% | 244 |
| Loan loss allowance to noncurrent loans | 473.4426% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,867 |
| Noncurrent loans to loans | 0.6142% | 3,330 |
| Net loans and leases to total assets | 39.6667% | 5,464 |
| Net loans and leases to deposits | 54.9815% | 5,036 |
| Net loans and leases to core deposits | 58.1552% | 5,039 |
| Total domestic deposits to total assets | 72.1455% | 5,762 |
| Equity capital to assets | 16.1902% | 514 |
| Core capital (leverage) ratio | 14.9289% | 614 |
| Tier 1 risk-based capital ratio | 17.2406% | 2,197 |
| Total risk-based capital ratio | 18.4931% | 2,167 |
| Memoranda: | ||
| Average total assets | $4,943,581,500 | 204 |
| Average earning assets | $4,680,416,000 | 196 |
| Average equity | $793,325,500 | 166 |
| Average total loans | $2,017,400,500 | 299 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 1,889 |
| Cost of funding earning assets | 0.3789% | 3,383 |
| Net interest margin | 4.0250% | 1,634 |
| Noninterest income to average assets | 0.5198% | 3,199 |
| Noninterest expense to average assets | 1.8077% | 5,723 |
| Loan and lease loss provision to assets | 0.1320% | 1,812 |
| Net operating income to assets | 2.1986% | 249 |
| Return on assets (ROA) | 2.2308% | 246 |
| Pretax return on assets | 2.4125% | 235 |
| Return on Equity (ROE) | 14.5999% | 749 |
| Retained earnings to average equity (ytd only) | 11.8609% | 268 |
| Net charge-offs to loans | 0.1731% | 1,651 |
| Credit loss provision to net charge-offs | 191.3228% | 1,444 |
| Earnings coverage of net charge-offs (x) | 36.3862% | 1,266 |
| Efficiency ratio | 40.9130% | 6,047 |
| Assets per employee ($millions) | 6.1529% | 1,282 |
| Cash dividends to net income (ytd only)* | 18.7607% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9144% | 249 |
| Loan loss allowance to noncurrent loans | 704.5960% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 4,151 |
| Noncurrent loans to loans | 0.4136% | 3,966 |
| Net loans and leases to total assets | 39.5735% | 5,541 |
| Net loans and leases to deposits | 53.3448% | 5,195 |
| Net loans and leases to core deposits | 56.4408% | 5,177 |
| Total domestic deposits to total assets | 74.1844% | 5,625 |
| Equity capital to assets | 15.9026% | 527 |
| Core capital (leverage) ratio | 14.4506% | 723 |
| Tier 1 risk-based capital ratio | 16.4941% | 2,484 |
| Total risk-based capital ratio | 17.7468% | 2,441 |
| Memoranda: | ||
| Average total assets | $4,778,914,000 | 201 |
| Average earning assets | $4,508,641,200 | 191 |
| Average equity | $730,183,000 | 169 |
| Average total loans | $1,904,641,600 | 297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 1,932 |
| Cost of funding earning assets | 0.3811% | 3,421 |
| Net interest margin | 4.0145% | 1,652 |
| Noninterest income to average assets | 0.5248% | 3,203 |
| Noninterest expense to average assets | 1.7847% | 5,793 |
| Loan and lease loss provision to assets | 0.1324% | 1,690 |
| Net operating income to assets | 2.2006% | 262 |
| Return on assets (ROA) | 2.2386% | 250 |
| Pretax return on assets | 2.4336% | 265 |
| Return on Equity (ROE) | 14.8074% | 754 |
| Retained earnings to average equity (ytd only) | 11.0923% | 464 |
| Net charge-offs to loans | 0.0997% | 2,151 |
| Credit loss provision to net charge-offs | 335.1812% | 872 |
| Earnings coverage of net charge-offs (x) | 63.8956% | 876 |
| Efficiency ratio | 40.4474% | 6,123 |
| Assets per employee ($millions) | 6.0301% | 1,352 |
| Cash dividends to net income (ytd only)* | 25.0897% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0494% | 230 |
| Loan loss allowance to noncurrent loans | 350.1375% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 3,560 |
| Noncurrent loans to loans | 0.8709% | 2,805 |
| Net loans and leases to total assets | 38.7371% | 5,661 |
| Net loans and leases to deposits | 52.4793% | 5,342 |
| Net loans and leases to core deposits | 55.4790% | 5,334 |
| Total domestic deposits to total assets | 73.8140% | 5,728 |
| Equity capital to assets | 15.3833% | 664 |
| Core capital (leverage) ratio | 14.1324% | 828 |
| Tier 1 risk-based capital ratio | 16.3766% | 2,634 |
| Total risk-based capital ratio | 17.6296% | 2,586 |
| Memoranda: | ||
| Average total assets | $4,747,669,750 | 203 |
| Average earning assets | $4,475,744,000 | 194 |
| Average equity | $717,766,750 | 171 |
| Average total loans | $1,881,077,250 | 301 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 1,853 |
| Cost of funding earning assets | 0.3816% | 3,468 |
| Net interest margin | 4.0183% | 1,586 |
| Noninterest income to average assets | 0.4937% | 3,421 |
| Noninterest expense to average assets | 1.7662% | 5,897 |
| Loan and lease loss provision to assets | 0.1323% | 1,657 |
| Net operating income to assets | 2.1828% | 264 |
| Return on assets (ROA) | 2.2254% | 259 |
| Pretax return on assets | 2.4275% | 274 |
| Return on Equity (ROE) | 14.8076% | 763 |
| Retained earnings to average equity (ytd only) | 11.9930% | 397 |
| Net charge-offs to loans | 0.2350% | 1,103 |
| Credit loss provision to net charge-offs | 142.4601% | 1,583 |
| Earnings coverage of net charge-offs (x) | 27.0720% | 1,459 |
| Efficiency ratio | 40.2908% | 6,200 |
| Assets per employee ($millions) | 5.8920% | 1,438 |
| Cash dividends to net income (ytd only)* | 19.0078% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9471% | 285 |
| Loan loss allowance to noncurrent loans | 322.4416% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 3,576 |
| Noncurrent loans to loans | 0.9140% | 2,840 |
| Net loans and leases to total assets | 38.2917% | 5,724 |
| Net loans and leases to deposits | 51.1309% | 5,440 |
| Net loans and leases to core deposits | 54.7810% | 5,379 |
| Total domestic deposits to total assets | 74.8896% | 5,716 |
| Equity capital to assets | 14.8181% | 737 |
| Core capital (leverage) ratio | 13.6541% | 942 |
| Tier 1 risk-based capital ratio | 16.0094% | 2,854 |
| Total risk-based capital ratio | 17.2624% | 2,812 |
| Memoranda: | ||
| Average total assets | $4,728,228,000 | 208 |
| Average earning assets | $4,454,897,670 | 196 |
| Average equity | $710,581,330 | 172 |
| Average total loans | $1,868,016,670 | 302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 1,869 |
| Cost of funding earning assets | 0.3836% | 3,480 |
| Net interest margin | 3.9868% | 1,603 |
| Noninterest income to average assets | 0.4941% | 3,321 |
| Noninterest expense to average assets | 1.7603% | 5,949 |
| Loan and lease loss provision to assets | 0.1330% | 1,554 |
| Net operating income to assets | 2.1545% | 250 |
| Return on assets (ROA) | 2.2082% | 239 |
| Pretax return on assets | 2.4164% | 272 |
| Return on Equity (ROE) | 14.5878% | 773 |
| Retained earnings to average equity (ytd only) | 8.9373% | 1,220 |
| Net charge-offs to loans | 0.3985% | 614 |
| Credit loss provision to net charge-offs | 84.4191% | 1,789 |
| Earnings coverage of net charge-offs (x) | 15.8073% | 1,603 |
| Efficiency ratio | 40.4181% | 6,260 |
| Assets per employee ($millions) | 5.9309% | 1,441 |
| Cash dividends to net income (ytd only)* | 38.7342% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9646% | 309 |
| Loan loss allowance to noncurrent loans | 299.4279% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 3,382 |
| Noncurrent loans to loans | 0.9901% | 2,789 |
| Net loans and leases to total assets | 38.0568% | 5,720 |
| Net loans and leases to deposits | 51.1276% | 5,382 |
| Net loans and leases to core deposits | 54.8498% | 5,324 |
| Total domestic deposits to total assets | 74.4349% | 5,873 |
| Equity capital to assets | 15.2094% | 680 |
| Core capital (leverage) ratio | 13.6331% | 929 |
| Tier 1 risk-based capital ratio | 15.8785% | 2,978 |
| Total risk-based capital ratio | 17.1305% | 2,917 |
| Memoranda: | ||
| Average total assets | $4,676,617,500 | 209 |
| Average earning assets | $4,406,656,500 | 198 |
| Average equity | $707,908,500 | 169 |
| Average total loans | $1,848,912,500 | 300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,372 |
| Cost of funding earning assets | 0.4178% | 3,498 |
| Net interest margin | 4.2525% | 1,160 |
| Noninterest income to average assets | 0.5216% | 3,348 |
| Noninterest expense to average assets | 1.8366% | 6,021 |
| Loan and lease loss provision to assets | 0.1404% | 1,890 |
| Net operating income to assets | 2.2243% | 216 |
| Return on assets (ROA) | 2.2360% | 208 |
| Pretax return on assets | 2.5059% | 187 |
| Return on Equity (ROE) | 16.1940% | 599 |
| Retained earnings to average equity (ytd only) | 15.3879% | 138 |
| Net charge-offs to loans | 0.1761% | 2,263 |
| Credit loss provision to net charge-offs | 195.3827% | 1,264 |
| Earnings coverage of net charge-offs (x) | 36.6551% | 1,160 |
| Efficiency ratio | 40.1045% | 6,399 |
| Assets per employee ($millions) | 5.8266% | 1,505 |
| Cash dividends to net income (ytd only)* | 4.9779% | 4,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9961% | 300 |
| Loan loss allowance to noncurrent loans | 501.7893% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,833 |
| Noncurrent loans to loans | 0.5971% | 3,879 |
| Net loans and leases to total assets | 38.6637% | 5,812 |
| Net loans and leases to deposits | 52.0143% | 5,480 |
| Net loans and leases to core deposits | 56.0664% | 5,379 |
| Total domestic deposits to total assets | 74.3328% | 5,918 |
| Equity capital to assets | 15.0634% | 696 |
| Core capital (leverage) ratio | 13.3203% | 1,022 |
| Tier 1 risk-based capital ratio | 17.5079% | 2,313 |
| Total risk-based capital ratio | 18.7624% | 2,281 |
| Memoranda: | ||
| Average total assets | $4,492,144,800 | 203 |
| Average earning assets | $4,170,650,600 | 198 |
| Average equity | $620,253,000 | 176 |
| Average total loans | $1,832,571,400 | 285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 1,273 |
| Cost of funding earning assets | 0.4225% | 3,549 |
| Net interest margin | 4.2931% | 1,069 |
| Noninterest income to average assets | 0.5260% | 3,350 |
| Noninterest expense to average assets | 1.8236% | 6,060 |
| Loan and lease loss provision to assets | 0.1410% | 1,770 |
| Net operating income to assets | 2.2472% | 211 |
| Return on assets (ROA) | 2.2610% | 213 |
| Pretax return on assets | 2.5516% | 193 |
| Return on Equity (ROE) | 16.7707% | 581 |
| Retained earnings to average equity (ytd only) | 15.6617% | 178 |
| Net charge-offs to loans | 0.2059% | 1,819 |
| Credit loss provision to net charge-offs | 166.8790% | 1,466 |
| Earnings coverage of net charge-offs (x) | 31.6780% | 1,319 |
| Efficiency ratio | 39.5328% | 6,459 |
| Assets per employee ($millions) | 5.8366% | 1,457 |
| Cash dividends to net income (ytd only)* | 6.6131% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9369% | 386 |
| Loan loss allowance to noncurrent loans | 556.2198% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,075 |
| Noncurrent loans to loans | 0.5280% | 4,350 |
| Net loans and leases to total assets | 38.8954% | 5,892 |
| Net loans and leases to deposits | 51.8878% | 5,534 |
| Net loans and leases to core deposits | 56.6315% | 5,412 |
| Total domestic deposits to total assets | 74.9606% | 5,931 |
| Equity capital to assets | 14.4094% | 873 |
| Core capital (leverage) ratio | 13.1249% | 1,131 |
| Tier 1 risk-based capital ratio | 16.9580% | 2,633 |
| Total risk-based capital ratio | 18.2123% | 2,583 |
| Memoranda: | ||
| Average total assets | $4,458,600,250 | 202 |
| Average earning assets | $4,127,905,750 | 194 |
| Average equity | $601,096,250 | 176 |
| Average total loans | $1,829,725,750 | 280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,216 |
| Cost of funding earning assets | 0.4297% | 3,554 |
| Net interest margin | 4.3046% | 1,014 |
| Noninterest income to average assets | 0.4825% | 3,611 |
| Noninterest expense to average assets | 1.8300% | 6,102 |
| Loan and lease loss provision to assets | 0.1417% | 1,745 |
| Net operating income to assets | 2.2219% | 221 |
| Return on assets (ROA) | 2.2315% | 225 |
| Pretax return on assets | 2.4997% | 209 |
| Return on Equity (ROE) | 16.9570% | 556 |
| Retained earnings to average equity (ytd only) | 15.2353% | 203 |
| Net charge-offs to loans | 0.0519% | 3,228 |
| Credit loss provision to net charge-offs | 659.7046% | 472 |
| Earnings coverage of net charge-offs (x) | 122.4726% | 479 |
| Efficiency ratio | 40.0215% | 6,520 |
| Assets per employee ($millions) | 5.5930% | 1,611 |
| Cash dividends to net income (ytd only)* | 10.1531% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9345% | 410 |
| Loan loss allowance to noncurrent loans | 466.4823% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 3,883 |
| Noncurrent loans to loans | 0.6291% | 4,137 |
| Net loans and leases to total assets | 40.0761% | 5,808 |
| Net loans and leases to deposits | 53.2628% | 5,402 |
| Net loans and leases to core deposits | 57.9945% | 5,275 |
| Total domestic deposits to total assets | 75.2423% | 6,002 |
| Equity capital to assets | 13.8344% | 1,038 |
| Core capital (leverage) ratio | 12.3322% | 1,482 |
| Tier 1 risk-based capital ratio | 16.2721% | 2,943 |
| Total risk-based capital ratio | 17.5268% | 2,891 |
| Memoranda: | ||
| Average total assets | $4,413,665,330 | 203 |
| Average earning assets | $4,078,896,670 | 196 |
| Average equity | $580,834,000 | 182 |
| Average total loans | $1,826,074,000 | 279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,130 |
| Cost of funding earning assets | 0.4389% | 3,544 |
| Net interest margin | 4.3186% | 966 |
| Noninterest income to average assets | 0.4061% | 4,135 |
| Noninterest expense to average assets | 1.8295% | 6,179 |
| Loan and lease loss provision to assets | 0.1427% | 1,707 |
| Net operating income to assets | 2.1739% | 251 |
| Return on assets (ROA) | 2.1883% | 253 |
| Pretax return on assets | 2.4265% | 255 |
| Return on Equity (ROE) | 17.0829% | 524 |
| Retained earnings to average equity (ytd only) | 13.5004% | 435 |
| Net charge-offs to loans | 0.1580% | 1,769 |
| Credit loss provision to net charge-offs | 218.0926% | 980 |
| Earnings coverage of net charge-offs (x) | 39.0168% | 892 |
| Efficiency ratio | 40.7082% | 6,578 |
| Assets per employee ($millions) | 5.6434% | 1,581 |
| Cash dividends to net income (ytd only)* | 20.9714% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9172% | 472 |
| Loan loss allowance to noncurrent loans | 420.0475% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 3,807 |
| Noncurrent loans to loans | 0.6945% | 4,131 |
| Net loans and leases to total assets | 40.0258% | 5,807 |
| Net loans and leases to deposits | 52.2853% | 5,440 |
| Net loans and leases to core deposits | 57.3362% | 5,255 |
| Total domestic deposits to total assets | 76.5526% | 6,020 |
| Equity capital to assets | 13.1246% | 1,251 |
| Core capital (leverage) ratio | 11.7752% | 1,779 |
| Tier 1 risk-based capital ratio | 16.0627% | 3,145 |
| Total risk-based capital ratio | 17.3178% | 3,092 |
| Memoranda: | ||
| Average total assets | $4,358,130,500 | 204 |
| Average earning assets | $4,013,095,000 | 198 |
| Average equity | $558,265,000 | 184 |
| Average total loans | $1,805,031,000 | 280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 943 |
| Cost of funding earning assets | 0.5075% | 3,533 |
| Net interest margin | 4.4774% | 770 |
| Noninterest income to average assets | 0.5536% | 3,375 |
| Noninterest expense to average assets | 1.8194% | 6,290 |
| Loan and lease loss provision to assets | 0.2513% | 1,437 |
| Net operating income to assets | 2.3372% | 204 |
| Return on assets (ROA) | 2.3406% | 207 |
| Pretax return on assets | 2.6306% | 175 |
| Return on Equity (ROE) | 18.9491% | 339 |
| Retained earnings to average equity (ytd only) | 14.2410% | 193 |
| Net charge-offs to loans | 0.0726% | 4,193 |
| Credit loss provision to net charge-offs | 872.0743% | 286 |
| Earnings coverage of net charge-offs (x) | 99.8579% | 466 |
| Efficiency ratio | 37.7118% | 6,719 |
| Assets per employee ($millions) | 5.6251% | 1,542 |
| Cash dividends to net income (ytd only)* | 24.8462% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9097% | 520 |
| Loan loss allowance to noncurrent loans | 448.5341% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 3,882 |
| Noncurrent loans to loans | 0.6487% | 4,352 |
| Net loans and leases to total assets | 40.4002% | 5,931 |
| Net loans and leases to deposits | 52.4235% | 5,595 |
| Net loans and leases to core deposits | 56.9978% | 5,460 |
| Total domestic deposits to total assets | 77.0651% | 5,960 |
| Equity capital to assets | 12.4877% | 1,515 |
| Core capital (leverage) ratio | 11.4416% | 2,003 |
| Tier 1 risk-based capital ratio | 15.4945% | 3,379 |
| Total risk-based capital ratio | 16.7497% | 3,328 |
| Memoranda: | ||
| Average total assets | $4,298,860,800 | 200 |
| Average earning assets | $3,978,616,400 | 192 |
| Average equity | $530,996,200 | 189 |
| Average total loans | $1,706,638,600 | 282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 974 |
| Cost of funding earning assets | 0.5351% | 3,416 |
| Net interest margin | 4.4470% | 813 |
| Noninterest income to average assets | 0.5383% | 3,531 |
| Noninterest expense to average assets | 1.7792% | 6,373 |
| Loan and lease loss provision to assets | 0.2860% | 1,202 |
| Net operating income to assets | 2.3183% | 210 |
| Return on assets (ROA) | 2.3338% | 217 |
| Pretax return on assets | 2.6143% | 209 |
| Return on Equity (ROE) | 18.9464% | 373 |
| Retained earnings to average equity (ytd only) | 15.1674% | 192 |
| Net charge-offs to loans | 0.1391% | 3,146 |
| Credit loss provision to net charge-offs | 524.2321% | 534 |
| Earnings coverage of net charge-offs (x) | 52.8425% | 834 |
| Efficiency ratio | 37.1176% | 6,787 |
| Assets per employee ($millions) | 5.5485% | 1,582 |
| Cash dividends to net income (ytd only)* | 19.9457% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 629 |
| Loan loss allowance to noncurrent loans | 396.8292% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 3,940 |
| Noncurrent loans to loans | 0.7238% | 4,403 |
| Net loans and leases to total assets | 39.5217% | 6,070 |
| Net loans and leases to deposits | 50.6087% | 5,794 |
| Net loans and leases to core deposits | 55.7169% | 5,648 |
| Total domestic deposits to total assets | 78.0927% | 5,884 |
| Equity capital to assets | 12.2692% | 1,733 |
| Core capital (leverage) ratio | 11.1679% | 2,329 |
| Tier 1 risk-based capital ratio | 15.2156% | 3,614 |
| Total risk-based capital ratio | 16.4701% | 3,570 |
| Memoranda: | ||
| Average total assets | $4,296,378,000 | 195 |
| Average earning assets | $3,984,003,250 | 188 |
| Average equity | $529,228,500 | 186 |
| Average total loans | $1,685,066,000 | 284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 1,025 |
| Cost of funding earning assets | 0.5481% | 3,436 |
| Net interest margin | 4.3840% | 876 |
| Noninterest income to average assets | 0.4982% | 3,854 |
| Noninterest expense to average assets | 1.7213% | 6,479 |
| Loan and lease loss provision to assets | 0.2849% | 1,275 |
| Net operating income to assets | 2.3089% | 213 |
| Return on assets (ROA) | 2.3398% | 218 |
| Pretax return on assets | 2.6216% | 241 |
| Return on Equity (ROE) | 18.9700% | 388 |
| Retained earnings to average equity (ytd only) | 15.1997% | 224 |
| Net charge-offs to loans | 0.2078% | 2,517 |
| Credit loss provision to net charge-offs | 353.9573% | 733 |
| Earnings coverage of net charge-offs (x) | 35.6742% | 1,015 |
| Efficiency ratio | 36.4113% | 6,840 |
| Assets per employee ($millions) | 5.4297% | 1,660 |
| Cash dividends to net income (ytd only)* | 19.8752% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7841% | 724 |
| Loan loss allowance to noncurrent loans | 408.8031% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 4,043 |
| Noncurrent loans to loans | 0.6810% | 4,574 |
| Net loans and leases to total assets | 38.5495% | 6,137 |
| Net loans and leases to deposits | 49.2238% | 5,902 |
| Net loans and leases to core deposits | 54.4727% | 5,715 |
| Total domestic deposits to total assets | 78.3147% | 5,922 |
| Equity capital to assets | 12.1759% | 1,788 |
| Core capital (leverage) ratio | 10.7806% | 2,583 |
| Tier 1 risk-based capital ratio | 16.7697% | 2,802 |
| Total risk-based capital ratio | 18.0255% | 2,776 |
| Memoranda: | ||
| Average total assets | $4,300,692,670 | 193 |
| Average earning assets | $4,016,941,670 | 186 |
| Average equity | $530,457,330 | 184 |
| Average total loans | $1,665,772,670 | 288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 1,034 |
| Cost of funding earning assets | 0.5766% | 3,318 |
| Net interest margin | 4.3411% | 892 |
| Noninterest income to average assets | 0.5572% | 3,386 |
| Noninterest expense to average assets | 1.6372% | 6,637 |
| Loan and lease loss provision to assets | 0.2827% | 1,249 |
| Net operating income to assets | 2.3442% | 186 |
| Return on assets (ROA) | 2.4044% | 190 |
| Pretax return on assets | 2.7686% | 194 |
| Return on Equity (ROE) | 19.3711% | 335 |
| Retained earnings to average equity (ytd only) | 11.9158% | 710 |
| Net charge-offs to loans | 0.3498% | 1,598 |
| Credit loss provision to net charge-offs | 211.1265% | 1,044 |
| Earnings coverage of net charge-offs (x) | 22.2709% | 1,142 |
| Efficiency ratio | 34.3724% | 6,933 |
| Assets per employee ($millions) | 5.7012% | 1,484 |
| Cash dividends to net income (ytd only)* | 38.4867% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 947 |
| Loan loss allowance to noncurrent loans | 276.6127% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 3,975 |
| Noncurrent loans to loans | 0.9647% | 4,208 |
| Net loans and leases to total assets | 37.1687% | 6,210 |
| Net loans and leases to deposits | 47.7688% | 5,938 |
| Net loans and leases to core deposits | 53.0727% | 5,743 |
| Total domestic deposits to total assets | 77.8096% | 6,136 |
| Equity capital to assets | 12.4683% | 1,732 |
| Core capital (leverage) ratio | 10.4212% | 2,882 |
| Tier 1 risk-based capital ratio | 16.5174% | 2,991 |
| Total risk-based capital ratio | 17.7723% | 2,945 |
| Memoranda: | ||
| Average total assets | $4,322,604,500 | 196 |
| Average earning assets | $4,044,785,000 | 186 |
| Average equity | $536,530,000 | 187 |
| Average total loans | $1,654,661,000 | 291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,202 |
| Cost of funding earning assets | 0.7100% | 3,413 |
| Net interest margin | 4.4428% | 1,065 |
| Noninterest income to average assets | 0.5894% | 3,340 |
| Noninterest expense to average assets | 1.8538% | 6,549 |
| Loan and lease loss provision to assets | 0.2962% | 2,310 |
| Net operating income to assets | 2.2963% | 212 |
| Return on assets (ROA) | 2.3644% | 204 |
| Pretax return on assets | 2.6681% | 202 |
| Return on Equity (ROE) | 20.0060% | 304 |
| Retained earnings to average equity (ytd only) | 11.8712% | 339 |
| Net charge-offs to loans | 0.5824% | 1,982 |
| Credit loss provision to net charge-offs | 128.2206% | 2,196 |
| Earnings coverage of net charge-offs (x) | 12.5025% | 1,921 |
| Efficiency ratio | 38.0340% | 6,971 |
| Assets per employee ($millions) | 5.7421% | 1,484 |
| Cash dividends to net income (ytd only)* | 40.6620% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5780% | 1,039 |
| Loan loss allowance to noncurrent loans | 348.9597% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 4,273 |
| Noncurrent loans to loans | 0.7388% | 4,703 |
| Net loans and leases to total assets | 37.3822% | 6,342 |
| Net loans and leases to deposits | 48.2671% | 6,092 |
| Net loans and leases to core deposits | 53.3196% | 5,923 |
| Total domestic deposits to total assets | 77.4488% | 6,177 |
| Equity capital to assets | 12.3557% | 1,818 |
| Core capital (leverage) ratio | 10.1577% | 3,186 |
| Tier 1 risk-based capital ratio | 16.1261% | 3,088 |
| Total risk-based capital ratio | 17.3806% | 3,042 |
| Memoranda: | ||
| Average total assets | $4,160,628,600 | 199 |
| Average earning assets | $3,888,467,400 | 188 |
| Average equity | $491,711,600 | 196 |
| Average total loans | $1,650,004,400 | 283 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 1,194 |
| Cost of funding earning assets | 0.7353% | 3,476 |
| Net interest margin | 4.4639% | 1,063 |
| Noninterest income to average assets | 0.5931% | 3,324 |
| Noninterest expense to average assets | 1.8451% | 6,622 |
| Loan and lease loss provision to assets | 0.2985% | 2,205 |
| Net operating income to assets | 2.3216% | 235 |
| Return on assets (ROA) | 2.3784% | 233 |
| Pretax return on assets | 2.6855% | 221 |
| Return on Equity (ROE) | 20.3666% | 315 |
| Retained earnings to average equity (ytd only) | 14.8298% | 247 |
| Net charge-offs to loans | 0.2718% | 3,095 |
| Credit loss provision to net charge-offs | 274.6282% | 991 |
| Earnings coverage of net charge-offs (x) | 26.8668% | 1,201 |
| Efficiency ratio | 37.6488% | 7,050 |
| Assets per employee ($millions) | 5.5540% | 1,584 |
| Cash dividends to net income (ytd only)* | 27.1857% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 920 |
| Loan loss allowance to noncurrent loans | 284.3129% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 4,387 |
| Noncurrent loans to loans | 0.9710% | 4,498 |
| Net loans and leases to total assets | 38.3376% | 6,401 |
| Net loans and leases to deposits | 49.7196% | 6,133 |
| Net loans and leases to core deposits | 54.9965% | 5,969 |
| Total domestic deposits to total assets | 77.1077% | 6,214 |
| Equity capital to assets | 12.5173% | 1,879 |
| Core capital (leverage) ratio | 10.4080% | 3,030 |
| Tier 1 risk-based capital ratio | 16.0804% | 3,226 |
| Total risk-based capital ratio | 17.3366% | 3,192 |
| Memoranda: | ||
| Average total assets | $4,124,140,000 | 204 |
| Average earning assets | $3,854,631,000 | 190 |
| Average equity | $481,612,750 | 201 |
| Average total loans | $1,649,381,000 | 284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 1,194 |
| Cost of funding earning assets | 0.7648% | 3,480 |
| Net interest margin | 4.4577% | 1,066 |
| Noninterest income to average assets | 0.5734% | 3,422 |
| Noninterest expense to average assets | 1.8431% | 6,694 |
| Loan and lease loss provision to assets | 0.2999% | 2,185 |
| Net operating income to assets | 2.2986% | 242 |
| Return on assets (ROA) | 2.3786% | 242 |
| Pretax return on assets | 2.6823% | 228 |
| Return on Equity (ROE) | 20.8816% | 297 |
| Retained earnings to average equity (ytd only) | 12.3113% | 534 |
| Net charge-offs to loans | 0.2677% | 2,975 |
| Credit loss provision to net charge-offs | 278.7659% | 1,054 |
| Earnings coverage of net charge-offs (x) | 26.8852% | 1,148 |
| Efficiency ratio | 37.8313% | 7,095 |
| Assets per employee ($millions) | 5.4859% | 1,635 |
| Cash dividends to net income (ytd only)* | 41.0425% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6610% | 1,083 |
| Loan loss allowance to noncurrent loans | 279.6121% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 4,460 |
| Noncurrent loans to loans | 0.9517% | 4,603 |
| Net loans and leases to total assets | 38.1054% | 6,470 |
| Net loans and leases to deposits | 49.3004% | 6,219 |
| Net loans and leases to core deposits | 54.2940% | 6,072 |
| Total domestic deposits to total assets | 77.2923% | 6,282 |
| Equity capital to assets | 11.6934% | 2,418 |
| Core capital (leverage) ratio | 9.5361% | 4,097 |
| Tier 1 risk-based capital ratio | 15.1706% | 3,653 |
| Total risk-based capital ratio | 16.4260% | 3,616 |
| Memoranda: | ||
| Average total assets | $4,097,397,330 | 203 |
| Average earning assets | $3,825,615,330 | 190 |
| Average equity | $466,726,330 | 206 |
| Average total loans | $1,646,635,330 | 282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 1,227 |
| Cost of funding earning assets | 0.7952% | 3,513 |
| Net interest margin | 4.4471% | 1,117 |
| Noninterest income to average assets | 0.6653% | 2,835 |
| Noninterest expense to average assets | 1.9011% | 6,646 |
| Loan and lease loss provision to assets | 0.3040% | 2,070 |
| Net operating income to assets | 2.3291% | 231 |
| Return on assets (ROA) | 2.3784% | 264 |
| Pretax return on assets | 2.6677% | 268 |
| Return on Equity (ROE) | 21.1725% | 307 |
| Retained earnings to average equity (ytd only) | 21.1725% | 155 |
| Net charge-offs to loans | 0.3384% | 2,303 |
| Credit loss provision to net charge-offs | 220.5312% | 1,261 |
| Earnings coverage of net charge-offs (x) | 21.1565% | 1,162 |
| Efficiency ratio | 38.4775% | 7,140 |
| Assets per employee ($millions) | 5.4894% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 1,296 |
| Loan loss allowance to noncurrent loans | 244.9735% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 4,368 |
| Noncurrent loans to loans | 1.0376% | 4,615 |
| Net loans and leases to total assets | 39.1309% | 6,417 |
| Net loans and leases to deposits | 50.3417% | 6,112 |
| Net loans and leases to core deposits | 55.9808% | 5,905 |
| Total domestic deposits to total assets | 77.7305% | 6,306 |
| Equity capital to assets | 11.6067% | 2,347 |
| Core capital (leverage) ratio | 9.6588% | 3,832 |
| Tier 1 risk-based capital ratio | 15.5070% | 3,444 |
| Total risk-based capital ratio | 16.7620% | 3,418 |
| Memoranda: | ||
| Average total assets | $4,042,256,000 | 202 |
| Average earning assets | $3,774,124,500 | 191 |
| Average equity | $454,079,000 | 205 |
| Average total loans | $1,646,361,000 | 280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5716% | 1,013 |
| Cost of funding earning assets | 0.9829% | 3,493 |
| Net interest margin | 4.5887% | 945 |
| Noninterest income to average assets | 0.6193% | 3,065 |
| Noninterest expense to average assets | 1.9929% | 6,683 |
| Loan and lease loss provision to assets | 0.3255% | 3,081 |
| Net operating income to assets | 2.2591% | 202 |
| Return on assets (ROA) | 2.3198% | 189 |
| Pretax return on assets | 2.6282% | 173 |
| Return on Equity (ROE) | 22.8935% | 161 |
| Retained earnings to average equity (ytd only) | 21.3270% | 40 |
| Net charge-offs to loans | 0.5730% | 2,734 |
| Credit loss provision to net charge-offs | 133.6048% | 2,269 |
| Earnings coverage of net charge-offs (x) | 11.8391% | 1,676 |
| Efficiency ratio | 39.8170% | 7,215 |
| Assets per employee ($millions) | 5.4134% | 1,729 |
| Cash dividends to net income (ytd only)* | 6.8426% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4069% | 1,454 |
| Loan loss allowance to noncurrent loans | 227.7216% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 4,343 |
| Noncurrent loans to loans | 1.0570% | 4,596 |
| Net loans and leases to total assets | 40.3205% | 6,526 |
| Net loans and leases to deposits | 51.0692% | 6,284 |
| Net loans and leases to core deposits | 57.3370% | 6,054 |
| Total domestic deposits to total assets | 78.9527% | 6,005 |
| Equity capital to assets | 10.8542% | 3,134 |
| Core capital (leverage) ratio | 9.2459% | 4,395 |
| Tier 1 risk-based capital ratio | 14.5020% | 3,974 |
| Total risk-based capital ratio | 15.7561% | 3,947 |
| Memoranda: | ||
| Average total assets | $3,779,873,200 | 209 |
| Average earning assets | $3,507,678,200 | 201 |
| Average equity | $383,016,800 | 229 |
| Average total loans | $1,607,347,000 | 284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 1,064 |
| Cost of funding earning assets | 1.0173% | 3,548 |
| Net interest margin | 4.5694% | 1,007 |
| Noninterest income to average assets | 0.6223% | 3,042 |
| Noninterest expense to average assets | 2.0186% | 6,656 |
| Loan and lease loss provision to assets | 0.3301% | 2,900 |
| Net operating income to assets | 2.2245% | 247 |
| Return on assets (ROA) | 2.2531% | 252 |
| Pretax return on assets | 2.5420% | 230 |
| Return on Equity (ROE) | 22.6702% | 195 |
| Retained earnings to average equity (ytd only) | 20.5077% | 72 |
| Net charge-offs to loans | 0.4453% | 2,942 |
| Credit loss provision to net charge-offs | 173.0054% | 1,730 |
| Earnings coverage of net charge-offs (x) | 14.8830% | 1,503 |
| Efficiency ratio | 40.4862% | 7,246 |
| Assets per employee ($millions) | 5.2622% | 1,857 |
| Cash dividends to net income (ytd only)* | 9.5393% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 1,376 |
| Loan loss allowance to noncurrent loans | 157.0910% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 4,329 |
| Noncurrent loans to loans | 1.6005% | 3,897 |
| Net loans and leases to total assets | 40.2922% | 6,605 |
| Net loans and leases to deposits | 51.2115% | 6,430 |
| Net loans and leases to core deposits | 57.6115% | 6,161 |
| Total domestic deposits to total assets | 78.6779% | 6,052 |
| Equity capital to assets | 10.4910% | 3,715 |
| Core capital (leverage) ratio | 8.8772% | 5,145 |
| Tier 1 risk-based capital ratio | 13.7907% | 4,505 |
| Total risk-based capital ratio | 15.0456% | 4,467 |
| Memoranda: | ||
| Average total assets | $3,722,000,000 | 209 |
| Average earning assets | $3,450,731,000 | 201 |
| Average equity | $369,920,750 | 233 |
| Average total loans | $1,594,860,750 | 283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 1,064 |
| Cost of funding earning assets | 1.0473% | 3,621 |
| Net interest margin | 4.5555% | 1,002 |
| Noninterest income to average assets | 0.6367% | 2,912 |
| Noninterest expense to average assets | 2.0095% | 6,771 |
| Loan and lease loss provision to assets | 0.3350% | 2,775 |
| Net operating income to assets | 2.2031% | 263 |
| Return on assets (ROA) | 2.2362% | 264 |
| Pretax return on assets | 2.5449% | 228 |
| Return on Equity (ROE) | 22.9549% | 200 |
| Retained earnings to average equity (ytd only) | 19.5871% | 100 |
| Net charge-offs to loans | 0.4103% | 2,909 |
| Credit loss provision to net charge-offs | 188.1757% | 1,605 |
| Earnings coverage of net charge-offs (x) | 15.9650% | 1,373 |
| Efficiency ratio | 40.3356% | 7,332 |
| Assets per employee ($millions) | 5.0007% | 2,119 |
| Cash dividends to net income (ytd only)* | 14.6714% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4719% | 1,487 |
| Loan loss allowance to noncurrent loans | 195.2547% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 4,697 |
| Noncurrent loans to loans | 1.2660% | 4,550 |
| Net loans and leases to total assets | 41.3415% | 6,639 |
| Net loans and leases to deposits | 51.4212% | 6,508 |
| Net loans and leases to core deposits | 57.9837% | 6,274 |
| Total domestic deposits to total assets | 80.3977% | 5,712 |
| Equity capital to assets | 9.5357% | 4,760 |
| Core capital (leverage) ratio | 8.4020% | 5,706 |
| Tier 1 risk-based capital ratio | 13.0632% | 4,868 |
| Total risk-based capital ratio | 14.3182% | 4,844 |
| Memoranda: | ||
| Average total assets | $3,657,637,670 | 216 |
| Average earning assets | $3,384,374,000 | 206 |
| Average equity | $356,316,670 | 238 |
| Average total loans | $1,587,095,000 | 292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 1,154 |
| Cost of funding earning assets | 1.0687% | 3,728 |
| Net interest margin | 4.4910% | 1,088 |
| Noninterest income to average assets | 0.7711% | 2,151 |
| Noninterest expense to average assets | 2.0238% | 6,793 |
| Loan and lease loss provision to assets | 0.3400% | 2,520 |
| Net operating income to assets | 2.2114% | 256 |
| Return on assets (ROA) | 2.2572% | 254 |
| Pretax return on assets | 2.6144% | 217 |
| Return on Equity (ROE) | 22.9151% | 216 |
| Retained earnings to average equity (ytd only) | 22.9151% | 125 |
| Net charge-offs to loans | 0.5601% | 2,089 |
| Credit loss provision to net charge-offs | 138.2353% | 2,026 |
| Earnings coverage of net charge-offs (x) | 11.7941% | 1,532 |
| Efficiency ratio | 40.0072% | 7,389 |
| Assets per employee ($millions) | 5.1220% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3938% | 1,612 |
| Loan loss allowance to noncurrent loans | 172.9700% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 1.2327% | 4,488 |
| Noncurrent loans to loans | 1.3839% | 4,396 |
| Net loans and leases to total assets | 41.7331% | 6,648 |
| Net loans and leases to deposits | 52.6116% | 6,430 |
| Net loans and leases to core deposits | 59.7556% | 6,114 |
| Total domestic deposits to total assets | 79.3230% | 6,111 |
| Equity capital to assets | 10.0808% | 3,669 |
| Core capital (leverage) ratio | 8.4614% | 5,527 |
| Tier 1 risk-based capital ratio | 13.0245% | 4,810 |
| Total risk-based capital ratio | 14.2790% | 4,790 |
| Memoranda: | ||
| Average total assets | $3,593,680,000 | 216 |
| Average earning assets | $3,323,886,500 | 208 |
| Average equity | $353,985,000 | 234 |
| Average total loans | $1,578,307,000 | 294 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 1,827 |
| Cost of funding earning assets | 1.2546% | 4,187 |
| Net interest margin | 4.3632% | 1,607 |
| Noninterest income to average assets | 0.7674% | 2,443 |
| Noninterest expense to average assets | 2.2462% | 6,491 |
| Loan and lease loss provision to assets | 0.3763% | 3,865 |
| Net operating income to assets | 2.0402% | 267 |
| Return on assets (ROA) | 2.0463% | 274 |
| Pretax return on assets | 2.1539% | 357 |
| Return on Equity (ROE) | 21.0215% | 201 |
| Retained earnings to average equity (ytd only) | 21.0215% | 48 |
| Net charge-offs to loans | 0.4720% | 3,734 |
| Credit loss provision to net charge-offs | 167.4650% | 2,033 |
| Earnings coverage of net charge-offs (x) | 11.2313% | 1,625 |
| Efficiency ratio | 45.8112% | 7,360 |
| Assets per employee ($millions) | 4.6985% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 1,663 |
| Loan loss allowance to noncurrent loans | 172.4631% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 4,310 |
| Noncurrent loans to loans | 1.3467% | 4,466 |
| Net loans and leases to total assets | 44.0885% | 6,704 |
| Net loans and leases to deposits | 55.4614% | 6,485 |
| Net loans and leases to core deposits | 63.0486% | 6,145 |
| Total domestic deposits to total assets | 79.4941% | 5,970 |
| Equity capital to assets | 9.6085% | 4,262 |
| Core capital (leverage) ratio | 7.7489% | 6,499 |
| Tier 1 risk-based capital ratio | 11.7315% | 5,700 |
| Total risk-based capital ratio | 12.9860% | 5,703 |
| Memoranda: | ||
| Average total assets | $3,270,449,600 | 233 |
| Average earning assets | $3,000,179,400 | 227 |
| Average equity | $318,355,600 | 246 |
| Average total loans | $1,556,896,800 | 304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6142% | 2,016 |
| Cost of funding earning assets | 1.2847% | 4,329 |
| Net interest margin | 4.3295% | 1,745 |
| Noninterest income to average assets | 0.7585% | 2,459 |
| Noninterest expense to average assets | 2.2090% | 6,582 |
| Loan and lease loss provision to assets | 0.3828% | 3,594 |
| Net operating income to assets | 2.0197% | 326 |
| Return on assets (ROA) | 2.0148% | 358 |
| Pretax return on assets | 2.1270% | 476 |
| Return on Equity (ROE) | 20.6248% | 279 |
| Retained earnings to average equity (ytd only) | 20.6248% | 73 |
| Net charge-offs to loans | 0.4276% | 3,582 |
| Credit loss provision to net charge-offs | 185.4355% | 1,946 |
| Earnings coverage of net charge-offs (x) | 12.1831% | 1,714 |
| Efficiency ratio | 45.4275% | 7,407 |
| Assets per employee ($millions) | 4.4727% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 1,592 |
| Loan loss allowance to noncurrent loans | 135.1309% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 4,173 |
| Noncurrent loans to loans | 1.7186% | 4,066 |
| Net loans and leases to total assets | 45.0022% | 6,774 |
| Net loans and leases to deposits | 57.9141% | 6,466 |
| Net loans and leases to core deposits | 66.3399% | 6,097 |
| Total domestic deposits to total assets | 77.7050% | 6,317 |
| Equity capital to assets | 10.2859% | 3,787 |
| Core capital (leverage) ratio | 7.7241% | 6,645 |
| Tier 1 risk-based capital ratio | 11.8241% | 5,617 |
| Total risk-based capital ratio | 13.0796% | 5,592 |
| Memoranda: | ||
| Average total assets | $3,210,614,000 | 232 |
| Average earning assets | $2,940,688,250 | 227 |
| Average equity | $313,634,500 | 244 |
| Average total loans | $1,550,068,500 | 305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 2,130 |
| Cost of funding earning assets | 1.3269% | 4,365 |
| Net interest margin | 4.2759% | 1,867 |
| Noninterest income to average assets | 0.7901% | 2,172 |
| Noninterest expense to average assets | 2.2571% | 6,486 |
| Loan and lease loss provision to assets | 0.3883% | 3,390 |
| Net operating income to assets | 1.9715% | 347 |
| Return on assets (ROA) | 1.9268% | 416 |
| Pretax return on assets | 2.0065% | 598 |
| Return on Equity (ROE) | 20.1031% | 311 |
| Retained earnings to average equity (ytd only) | 20.1031% | 88 |
| Net charge-offs to loans | 0.5892% | 2,760 |
| Credit loss provision to net charge-offs | 134.3195% | 2,987 |
| Earnings coverage of net charge-offs (x) | 8.4447% | 2,135 |
| Efficiency ratio | 46.6410% | 7,410 |
| Assets per employee ($millions) | 4.3411% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 1,842 |
| Loan loss allowance to noncurrent loans | 140.9231% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 4,273 |
| Noncurrent loans to loans | 1.5331% | 4,417 |
| Net loans and leases to total assets | 46.4595% | 6,750 |
| Net loans and leases to deposits | 59.4196% | 6,466 |
| Net loans and leases to core deposits | 68.5157% | 6,018 |
| Total domestic deposits to total assets | 78.1888% | 6,227 |
| Equity capital to assets | 9.9490% | 4,079 |
| Core capital (leverage) ratio | 7.4043% | 6,916 |
| Tier 1 risk-based capital ratio | 11.2022% | 6,036 |
| Total risk-based capital ratio | 12.4564% | 6,016 |
| Memoranda: | ||
| Average total assets | $3,156,673,670 | 236 |
| Average earning assets | $2,885,351,670 | 231 |
| Average equity | $302,550,670 | 251 |
| Average total loans | $1,548,840,000 | 304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 2,296 |
| Cost of funding earning assets | 1.3588% | 4,428 |
| Net interest margin | 4.2087% | 2,007 |
| Noninterest income to average assets | 0.7525% | 2,286 |
| Noninterest expense to average assets | 2.1840% | 6,730 |
| Loan and lease loss provision to assets | 0.3936% | 3,008 |
| Net operating income to assets | 1.9518% | 379 |
| Return on assets (ROA) | 1.8050% | 538 |
| Pretax return on assets | 1.8695% | 775 |
| Return on Equity (ROE) | 19.2157% | 423 |
| Retained earnings to average equity (ytd only) | 19.2157% | 204 |
| Net charge-offs to loans | 0.8332% | 1,867 |
| Credit loss provision to net charge-offs | 94.6733% | 3,553 |
| Earnings coverage of net charge-offs (x) | 5.8080% | 2,331 |
| Efficiency ratio | 46.0035% | 7,551 |
| Assets per employee ($millions) | 4.3537% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 2,126 |
| Loan loss allowance to noncurrent loans | 134.8652% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 4,209 |
| Noncurrent loans to loans | 1.4999% | 4,492 |
| Net loans and leases to total assets | 48.5893% | 6,616 |
| Net loans and leases to deposits | 61.6556% | 6,311 |
| Net loans and leases to core deposits | 71.3306% | 5,793 |
| Total domestic deposits to total assets | 78.8076% | 6,119 |
| Equity capital to assets | 9.5645% | 4,435 |
| Core capital (leverage) ratio | 7.2778% | 7,050 |
| Tier 1 risk-based capital ratio | 10.7319% | 6,406 |
| Total risk-based capital ratio | 11.9854% | 6,388 |
| Memoranda: | ||
| Average total assets | $3,107,098,000 | 247 |
| Average earning assets | $2,839,278,500 | 240 |
| Average equity | $291,865,500 | 261 |
| Average total loans | $1,550,238,500 | 312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 2,580 |
| Cost of funding earning assets | 1.7237% | 4,389 |
| Net interest margin | 4.0958% | 2,468 |
| Noninterest income to average assets | 0.8537% | 2,166 |
| Noninterest expense to average assets | 2.6114% | 5,759 |
| Loan and lease loss provision to assets | 0.7146% | 2,974 |
| Net operating income to assets | 1.2660% | 1,099 |
| Return on assets (ROA) | 1.4105% | 886 |
| Pretax return on assets | 1.4005% | 1,438 |
| Return on Equity (ROE) | 15.8671% | 572 |
| Retained earnings to average equity (ytd only) | 7.5989% | 805 |
| Net charge-offs to loans | 0.4507% | 3,982 |
| Credit loss provision to net charge-offs | 296.1306% | 1,125 |
| Earnings coverage of net charge-offs (x) | 8.1663% | 1,986 |
| Efficiency ratio | 55.3259% | 7,093 |
| Assets per employee ($millions) | 4.1433% | 3,534 |
| Cash dividends to net income (ytd only)* | 52.1089% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 1,868 |
| Loan loss allowance to noncurrent loans | 170.7078% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 4,316 |
| Noncurrent loans to loans | 1.2149% | 4,923 |
| Net loans and leases to total assets | 49.1629% | 6,713 |
| Net loans and leases to deposits | 62.3470% | 6,427 |
| Net loans and leases to core deposits | 81.6667% | 5,940 |
| Total domestic deposits to total assets | 78.8537% | 6,022 |
| Equity capital to assets | 9.2170% | 4,818 |
| Core capital (leverage) ratio | 7.1485% | 7,112 |
| Tier 1 risk-based capital ratio | 10.6275% | 6,273 |
| Total risk-based capital ratio | 11.8817% | 6,241 |
| Memoranda: | ||
| Average total assets | $2,881,054,600 | 259 |
| Average earning assets | $2,622,423,800 | 256 |
| Average equity | $256,115,000 | 281 |
| Average total loans | $1,542,644,600 | 326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8416% | 2,698 |
| Cost of funding earning assets | 1.7893% | 4,426 |
| Net interest margin | 4.0523% | 2,590 |
| Noninterest income to average assets | 0.8510% | 2,196 |
| Noninterest expense to average assets | 2.6365% | 5,575 |
| Loan and lease loss provision to assets | 0.5107% | 3,341 |
| Net operating income to assets | 1.2995% | 1,218 |
| Return on assets (ROA) | 1.3651% | 1,150 |
| Pretax return on assets | 1.4611% | 1,516 |
| Return on Equity (ROE) | 15.5104% | 712 |
| Retained earnings to average equity (ytd only) | 7.3766% | 1,363 |
| Net charge-offs to loans | 0.3712% | 3,799 |
| Credit loss provision to net charge-offs | 252.7209% | 1,694 |
| Earnings coverage of net charge-offs (x) | 9.4079% | 2,114 |
| Efficiency ratio | 56.3733% | 6,949 |
| Assets per employee ($millions) | 3.9547% | 3,817 |
| Cash dividends to net income (ytd only)* | 52.4410% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,052 |
| Loan loss allowance to noncurrent loans | 168.5081% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 4,612 |
| Noncurrent loans to loans | 0.9406% | 5,415 |
| Net loans and leases to total assets | 51.5794% | 6,645 |
| Net loans and leases to deposits | 66.2477% | 6,288 |
| Net loans and leases to core deposits | 86.0582% | 5,863 |
| Total domestic deposits to total assets | 77.8583% | 6,125 |
| Equity capital to assets | 9.2617% | 5,076 |
| Core capital (leverage) ratio | 7.1187% | 7,349 |
| Tier 1 risk-based capital ratio | 10.5912% | 6,356 |
| Total risk-based capital ratio | 11.8415% | 6,328 |
| Memoranda: | ||
| Average total assets | $2,836,877,750 | 269 |
| Average earning assets | $2,581,029,250 | 271 |
| Average equity | $249,685,000 | 297 |
| Average total loans | $1,544,525,000 | 342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 2,837 |
| Cost of funding earning assets | 1.8628% | 4,451 |
| Net interest margin | 3.9811% | 2,780 |
| Noninterest income to average assets | 0.8366% | 2,237 |
| Noninterest expense to average assets | 2.7089% | 5,355 |
| Loan and lease loss provision to assets | 0.4143% | 3,460 |
| Net operating income to assets | 1.2558% | 1,342 |
| Return on assets (ROA) | 1.3009% | 1,307 |
| Pretax return on assets | 1.3780% | 1,793 |
| Return on Equity (ROE) | 15.0612% | 823 |
| Retained earnings to average equity (ytd only) | 7.0058% | 1,587 |
| Net charge-offs to loans | 0.4408% | 3,049 |
| Credit loss provision to net charge-offs | 170.3332% | 2,700 |
| Earnings coverage of net charge-offs (x) | 7.1719% | 2,480 |
| Efficiency ratio | 59.0137% | 6,691 |
| Assets per employee ($millions) | 3.7228% | 4,274 |
| Cash dividends to net income (ytd only)* | 53.4844% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,067 |
| Loan loss allowance to noncurrent loans | 118.5682% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 4,321 |
| Noncurrent loans to loans | 1.1266% | 4,966 |
| Net loans and leases to total assets | 52.4998% | 6,622 |
| Net loans and leases to deposits | 66.3261% | 6,358 |
| Net loans and leases to core deposits | 87.9331% | 5,731 |
| Total domestic deposits to total assets | 79.1541% | 5,764 |
| Equity capital to assets | 8.7388% | 5,701 |
| Core capital (leverage) ratio | 8.0802% | 6,198 |
| Tier 1 risk-based capital ratio | 10.8699% | 6,009 |
| Total risk-based capital ratio | 11.9855% | 6,090 |
| Memoranda: | ||
| Average total assets | $2,788,553,670 | 283 |
| Average earning assets | $2,533,166,670 | 281 |
| Average equity | $240,857,000 | 307 |
| Average total loans | $1,538,437,330 | 353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8814% | 2,890 |
| Cost of funding earning assets | 1.9428% | 4,412 |
| Net interest margin | 3.9387% | 2,891 |
| Noninterest income to average assets | 0.7989% | 2,332 |
| Noninterest expense to average assets | 2.8098% | 4,515 |
| Loan and lease loss provision to assets | 0.4134% | 2,855 |
| Net operating income to assets | 1.1243% | 1,879 |
| Return on assets (ROA) | 1.1584% | 1,898 |
| Pretax return on assets | 1.1814% | 2,683 |
| Return on Equity (ROE) | 14.0803% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.8762% | 4,269 |
| Net charge-offs to loans | 0.6258% | 1,922 |
| Credit loss provision to net charge-offs | 114.0907% | 3,406 |
| Earnings coverage of net charge-offs (x) | 4.3052% | 2,916 |
| Efficiency ratio | 62.7816% | 5,911 |
| Assets per employee ($millions) | 3.6168% | 4,532 |
| Cash dividends to net income (ytd only)* | 79.5730% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,237 |
| Loan loss allowance to noncurrent loans | 149.1304% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 4,089 |
| Noncurrent loans to loans | 0.8552% | 5,314 |
| Net loans and leases to total assets | 55.2874% | 6,330 |
| Net loans and leases to deposits | 71.3519% | 5,821 |
| Net loans and leases to core deposits | 93.7469% | 5,184 |
| Total domestic deposits to total assets | 77.4855% | 6,152 |
| Equity capital to assets | 8.2621% | 6,443 |
| Core capital (leverage) ratio | 6.9497% | 7,667 |
| Tier 1 risk-based capital ratio | 10.2365% | 6,668 |
| Total risk-based capital ratio | 11.3324% | 6,742 |
| Memoranda: | ||
| Average total assets | $2,506,904,000 | 312 |
| Average earning assets | $2,272,854,000 | 316 |
| Average equity | $206,245,500 | 357 |
| Average total loans | $1,451,540,500 | 374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 4,248 |
| Cost of funding earning assets | 2.4761% | 4,331 |
| Net interest margin | 3.7729% | 4,126 |
| Noninterest income to average assets | 0.7076% | 3,078 |
| Noninterest expense to average assets | 2.5285% | 5,895 |
| Loan and lease loss provision to assets | 0.1905% | 4,980 |
| Net operating income to assets | 1.0844% | 2,207 |
| Return on assets (ROA) | 1.0055% | 2,421 |
| Pretax return on assets | 1.2685% | 2,413 |
| Return on Equity (ROE) | 12.1893% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.4265% | 2,372 |
| Net charge-offs to loans | 0.1915% | 4,272 |
| Credit loss provision to net charge-offs | 160.3006% | 3,223 |
| Earnings coverage of net charge-offs (x) | 13.1173% | 2,166 |
| Efficiency ratio | 60.0482% | 6,329 |
| Assets per employee ($millions) | 3.3759% | 5,013 |
| Cash dividends to net income (ytd only)* | 63.6856% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,090 |
| Loan loss allowance to noncurrent loans | 120.7189% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 3,255 |
| Noncurrent loans to loans | 1.0393% | 4,507 |
| Net loans and leases to total assets | 59.1854% | 6,030 |
| Net loans and leases to deposits | 74.7272% | 5,770 |
| Net loans and leases to core deposits | 98.0635% | 5,032 |
| Total domestic deposits to total assets | 79.2020% | 5,297 |
| Equity capital to assets | 8.1896% | 6,567 |
| Core capital (leverage) ratio | 7.2344% | 7,489 |
| Tier 1 risk-based capital ratio | 10.5559% | 6,150 |
| Total risk-based capital ratio | 11.6785% | 6,159 |
| Memoranda: | ||
| Average total assets | $2,295,381,400 | 317 |
| Average earning assets | $2,056,258,400 | 321 |
| Average equity | $189,337,600 | 389 |
| Average total loans | $1,424,343,000 | 366 |