Home > First United Bank and Trust Company > Performance and Condition Ratios
First United Bank and Trust Company, 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 | 5.7162% | 909 |
| Cost of funding earning assets | 2.4725% | 391 |
| Net interest margin | 3.2437% | 2,763 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.9561% | 1,181 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.5364% | 3,596 |
| Return on assets (ROA) | 0.5150% | 3,630 |
| Pretax return on assets | 0.5761% | 3,678 |
| Return on Equity (ROE) | 6.0200% | 3,514 |
| Retained earnings to average equity (ytd only) | 2.4510% | 3,460 |
| Net charge-offs to loans | 0.0270% | 1,780 |
| Credit loss provision to net charge-offs | 761.6422% | 495 |
| Earnings coverage of net charge-offs (x) | 36.2328% | 1,509 |
| Efficiency ratio | 77.5897% | 1,107 |
| Assets per employee ($millions) | 8.3602% | 1,244 |
| Cash dividends to net income (ytd only)* | 59.2550% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 2,984 |
| Loan loss allowance to noncurrent loans | 102.5526% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 612 |
| Noncurrent loans to loans | 1.0425% | 710 |
| Net loans and leases to total assets | 76.3800% | 1,070 |
| Net loans and leases to deposits | 97.1399% | 703 |
| Net loans and leases to core deposits | 122.9696% | 545 |
| Total domestic deposits to total assets | 78.6300% | 3,658 |
| Equity capital to assets | 8.2959% | 3,204 |
| Core capital (leverage) ratio | 8.3605% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8094% | 2,626 |
| Memoranda: | ||
| Average total assets | $15,565,402,400 | 120 |
| Average earning assets | $14,176,249,800 | 118 |
| Average equity | $1,332,620,600 | 131 |
| Average total loans | $12,106,277,200 | 105 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6124% | 897 |
| Cost of funding earning assets | 2.3523% | 362 |
| Net interest margin | 3.2601% | 2,778 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.9527% | 1,136 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.5934% | 3,561 |
| Return on assets (ROA) | 0.5922% | 3,547 |
| Pretax return on assets | 0.6595% | 3,625 |
| Return on Equity (ROE) | 6.8600% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.1013% | 3,234 |
| Net charge-offs to loans | 0.0138% | 1,900 |
| Credit loss provision to net charge-offs | 1,506.6828% | 303 |
| Earnings coverage of net charge-offs (x) | 76.4879% | 1,069 |
| Efficiency ratio | 76.2507% | 1,151 |
| Assets per employee ($millions) | 8.0054% | 1,343 |
| Cash dividends to net income (ytd only)* | 40.2247% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,103 |
| Loan loss allowance to noncurrent loans | 114.9209% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 773 |
| Noncurrent loans to loans | 0.9167% | 898 |
| Net loans and leases to total assets | 76.5100% | 1,061 |
| Net loans and leases to deposits | 96.7074% | 701 |
| Net loans and leases to core deposits | 121.2785% | 519 |
| Total domestic deposits to total assets | 79.1200% | 3,676 |
| Equity capital to assets | 8.3895% | 2,801 |
| Core capital (leverage) ratio | 8.5554% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9473% | 2,624 |
| Memoranda: | ||
| Average total assets | $15,391,618,500 | 122 |
| Average earning assets | $14,016,375,000 | 121 |
| Average equity | $1,328,535,500 | 133 |
| Average total loans | $11,994,173,000 | 107 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 907 |
| Cost of funding earning assets | 2.1982% | 336 |
| Net interest margin | 3.2460% | 2,873 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.9285% | 1,157 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.6232% | 3,525 |
| Return on assets (ROA) | 0.6210% | 3,532 |
| Pretax return on assets | 0.7163% | 3,570 |
| Return on Equity (ROE) | 7.1200% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.6330% | 3,049 |
| Net charge-offs to loans | 0.0063% | 2,008 |
| Credit loss provision to net charge-offs | 3,309.0186% | 160 |
| Earnings coverage of net charge-offs (x) | 177.9788% | 667 |
| Efficiency ratio | 74.8740% | 1,267 |
| Assets per employee ($millions) | 7.7718% | 1,433 |
| Cash dividends to net income (ytd only)* | 34.9665% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,296 |
| Loan loss allowance to noncurrent loans | 165.5966% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 1,083 |
| Noncurrent loans to loans | 0.6219% | 1,202 |
| Net loans and leases to total assets | 76.6500% | 981 |
| Net loans and leases to deposits | 95.2082% | 777 |
| Net loans and leases to core deposits | 118.0310% | 566 |
| Total domestic deposits to total assets | 80.5100% | 3,501 |
| Equity capital to assets | 8.6246% | 2,761 |
| Core capital (leverage) ratio | 8.6236% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8891% | 2,660 |
| Memoranda: | ||
| Average total assets | $15,198,587,333 | 118 |
| Average earning assets | $13,864,988,667 | 116 |
| Average equity | $1,324,758,000 | 129 |
| Average total loans | $11,875,691,000 | 104 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 928 |
| Cost of funding earning assets | 2.0042% | 296 |
| Net interest margin | 3.2174% | 3,072 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.8931% | 1,247 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.5617% | 3,769 |
| Return on assets (ROA) | 0.5568% | 3,748 |
| Pretax return on assets | 0.6783% | 3,702 |
| Return on Equity (ROE) | 6.3500% | 3,646 |
| Retained earnings to average equity (ytd only) | 3.3059% | 3,433 |
| Net charge-offs to loans | 0.0005% | 2,046 |
| Credit loss provision to net charge-offs | 39,068.7500% | 9 |
| Earnings coverage of net charge-offs (x) | 1,992.5625% | 43 |
| Efficiency ratio | 75.2394% | 1,228 |
| Assets per employee ($millions) | 7.8352% | 1,443 |
| Cash dividends to net income (ytd only)* | 47.9616% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,510 |
| Loan loss allowance to noncurrent loans | 147.5328% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 949 |
| Noncurrent loans to loans | 0.6790% | 1,115 |
| Net loans and leases to total assets | 76.1700% | 955 |
| Net loans and leases to deposits | 95.2451% | 701 |
| Net loans and leases to core deposits | 116.7721% | 517 |
| Total domestic deposits to total assets | 79.9700% | 3,763 |
| Equity capital to assets | 8.5092% | 2,885 |
| Core capital (leverage) ratio | 8.8101% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7619% | 2,796 |
| Memoranda: | ||
| Average total assets | $14,979,460,000 | 121 |
| Average earning assets | $13,677,242,000 | 119 |
| Average equity | $1,312,821,500 | 133 |
| Average total loans | $11,758,112,000 | 106 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 769 |
| Cost of funding earning assets | 0.7006% | 579 |
| Net interest margin | 3.7671% | 1,230 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 3.2122% | 708 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0599% | 2,337 |
| Return on assets (ROA) | 1.0596% | 2,281 |
| Pretax return on assets | 1.2997% | 2,090 |
| Return on Equity (ROE) | 12.0100% | 2,131 |
| Retained earnings to average equity (ytd only) | 11.5918% | 761 |
| Net charge-offs to loans | 0.0500% | 1,169 |
| Credit loss provision to net charge-offs | 359.2476% | 824 |
| Earnings coverage of net charge-offs (x) | 36.5886% | 1,561 |
| Efficiency ratio | 67.2424% | 2,053 |
| Assets per employee ($millions) | 7.3880% | 1,694 |
| Cash dividends to net income (ytd only)* | 3.4453% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,538 |
| Loan loss allowance to noncurrent loans | 137.9335% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 857 |
| Noncurrent loans to loans | 0.6999% | 1,071 |
| Net loans and leases to total assets | 79.3700% | 659 |
| Net loans and leases to deposits | 96.0946% | 631 |
| Net loans and leases to core deposits | 115.5565% | 452 |
| Total domestic deposits to total assets | 82.6000% | 3,515 |
| Equity capital to assets | 9.0343% | 2,336 |
| Core capital (leverage) ratio | 9.0724% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7796% | 2,794 |
| Memoranda: | ||
| Average total assets | $13,695,739,600 | 133 |
| Average earning assets | $12,487,851,000 | 129 |
| Average equity | $1,208,828,600 | 148 |
| Average total loans | $10,782,832,800 | 114 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 762 |
| Cost of funding earning assets | 0.4894% | 791 |
| Net interest margin | 3.7948% | 959 |
| Noninterest income to average assets | 1.3900% | 387 |
| Noninterest expense to average assets | 3.2213% | 666 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.2237% | 1,615 |
| Return on assets (ROA) | 1.2233% | 1,590 |
| Pretax return on assets | 1.4873% | 1,451 |
| Return on Equity (ROE) | 13.9500% | 1,440 |
| Retained earnings to average equity (ytd only) | 13.3849% | 560 |
| Net charge-offs to loans | 0.0290% | 1,249 |
| Credit loss provision to net charge-offs | 632.3465% | 545 |
| Earnings coverage of net charge-offs (x) | 71.8211% | 1,096 |
| Efficiency ratio | 64.6464% | 2,464 |
| Assets per employee ($millions) | 7.1979% | 1,813 |
| Cash dividends to net income (ytd only)* | 4.0418% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,622 |
| Loan loss allowance to noncurrent loans | 136.9045% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 913 |
| Noncurrent loans to loans | 0.7075% | 1,157 |
| Net loans and leases to total assets | 78.0300% | 701 |
| Net loans and leases to deposits | 96.8286% | 504 |
| Net loans and leases to core deposits | 111.1374% | 435 |
| Total domestic deposits to total assets | 80.5800% | 4,044 |
| Equity capital to assets | 8.3972% | 2,608 |
| Core capital (leverage) ratio | 8.7082% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2641% | 2,994 |
| Memoranda: | ||
| Average total assets | $13,482,915,750 | 133 |
| Average earning assets | $12,292,125,500 | 130 |
| Average equity | $1,182,481,000 | 152 |
| Average total loans | $10,563,855,750 | 116 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 754 |
| Cost of funding earning assets | 0.3651% | 1,152 |
| Net interest margin | 3.7439% | 846 |
| Noninterest income to average assets | 1.5535% | 323 |
| Noninterest expense to average assets | 3.2909% | 555 |
| Loan and lease loss provision to assets | 0.1473% | 650 |
| Net operating income to assets | 1.2679% | 1,227 |
| Return on assets (ROA) | 1.2671% | 1,212 |
| Pretax return on assets | 1.5234% | 1,116 |
| Return on Equity (ROE) | 14.2249% | 1,057 |
| Retained earnings to average equity (ytd only) | 14.2249% | 336 |
| Net charge-offs to loans | 0.0295% | 1,138 |
| Credit loss provision to net charge-offs | 638.1926% | 544 |
| Earnings coverage of net charge-offs (x) | 72.4288% | 985 |
| Efficiency ratio | 64.5743% | 2,698 |
| Assets per employee ($millions) | 6.8840% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,662 |
| Loan loss allowance to noncurrent loans | 149.5802% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 1,061 |
| Noncurrent loans to loans | 0.6586% | 1,305 |
| Net loans and leases to total assets | 76.9136% | 643 |
| Net loans and leases to deposits | 95.6077% | 448 |
| Net loans and leases to core deposits | 106.5445% | 432 |
| Total domestic deposits to total assets | 80.4470% | 4,186 |
| Equity capital to assets | 8.6388% | 2,661 |
| Core capital (leverage) ratio | 8.8244% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3526% | 2,959 |
| Memoranda: | ||
| Average total assets | $13,137,820,000 | 135 |
| Average earning assets | $11,962,521,667 | 135 |
| Average equity | $1,170,268,000 | 153 |
| Average total loans | $10,272,265,333 | 116 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 794 |
| Cost of funding earning assets | 0.3082% | 1,570 |
| Net interest margin | 3.6794% | 777 |
| Noninterest income to average assets | 1.6155% | 322 |
| Noninterest expense to average assets | 3.4109% | 462 |
| Loan and lease loss provision to assets | 0.1507% | 523 |
| Net operating income to assets | 1.2345% | 1,156 |
| Return on assets (ROA) | 1.2343% | 1,142 |
| Pretax return on assets | 1.4239% | 1,193 |
| Return on Equity (ROE) | 13.6318% | 906 |
| Retained earnings to average equity (ytd only) | 13.6318% | 405 |
| Net charge-offs to loans | 0.0032% | 1,670 |
| Credit loss provision to net charge-offs | 6,070.8861% | 75 |
| Earnings coverage of net charge-offs (x) | 634.5570% | 157 |
| Efficiency ratio | 66.6251% | 2,689 |
| Assets per employee ($millions) | 6.6850% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,694 |
| Loan loss allowance to noncurrent loans | 240.7155% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 1,595 |
| Noncurrent loans to loans | 0.4184% | 1,989 |
| Net loans and leases to total assets | 78.0645% | 371 |
| Net loans and leases to deposits | 95.2710% | 305 |
| Net loans and leases to core deposits | 104.9495% | 371 |
| Total domestic deposits to total assets | 81.9394% | 4,082 |
| Equity capital to assets | 9.1066% | 2,620 |
| Core capital (leverage) ratio | 9.1806% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4027% | 2,994 |
| Memoranda: | ||
| Average total assets | $12,733,280,000 | 139 |
| Average earning assets | $11,663,167,000 | 138 |
| Average equity | $1,152,978,000 | 156 |
| Average total loans | $9,991,508,000 | 119 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 1,025 |
| Cost of funding earning assets | 0.4151% | 1,438 |
| Net interest margin | 3.7653% | 1,075 |
| Noninterest income to average assets | 1.9787% | 324 |
| Noninterest expense to average assets | 3.3659% | 576 |
| Loan and lease loss provision to assets | 0.1103% | 1,141 |
| Net operating income to assets | 1.5785% | 863 |
| Return on assets (ROA) | 1.5986% | 844 |
| Pretax return on assets | 1.9951% | 605 |
| Return on Equity (ROE) | 17.6669% | 497 |
| Retained earnings to average equity (ytd only) | 15.0063% | 222 |
| Net charge-offs to loans | 0.0233% | 1,781 |
| Credit loss provision to net charge-offs | 606.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 114.2786% | 817 |
| Efficiency ratio | 60.0012% | 3,152 |
| Assets per employee ($millions) | 6.5879% | 2,251 |
| Cash dividends to net income (ytd only)* | 15.0600% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,689 |
| Loan loss allowance to noncurrent loans | 134.3173% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 971 |
| Noncurrent loans to loans | 0.7542% | 1,348 |
| Net loans and leases to total assets | 77.2689% | 429 |
| Net loans and leases to deposits | 90.7397% | 536 |
| Net loans and leases to core deposits | 100.0430% | 533 |
| Total domestic deposits to total assets | 85.1545% | 3,220 |
| Equity capital to assets | 9.0008% | 3,614 |
| Core capital (leverage) ratio | 8.7419% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0615% | 3,040 |
| Memoranda: | ||
| Average total assets | $11,536,377,800 | 146 |
| Average earning assets | $10,623,823,800 | 146 |
| Average equity | $1,043,883,200 | 167 |
| Average total loans | $9,022,902,200 | 131 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 1,115 |
| Cost of funding earning assets | 0.4403% | 1,417 |
| Net interest margin | 3.7559% | 1,212 |
| Noninterest income to average assets | 2.0070% | 353 |
| Noninterest expense to average assets | 3.4733% | 473 |
| Loan and lease loss provision to assets | 0.1496% | 758 |
| Net operating income to assets | 1.4588% | 1,365 |
| Return on assets (ROA) | 1.4854% | 1,356 |
| Pretax return on assets | 1.8796% | 982 |
| Return on Equity (ROE) | 16.3918% | 871 |
| Retained earnings to average equity (ytd only) | 14.6997% | 437 |
| Net charge-offs to loans | 0.0278% | 1,494 |
| Credit loss provision to net charge-offs | 688.5993% | 646 |
| Earnings coverage of net charge-offs (x) | 91.8523% | 913 |
| Efficiency ratio | 61.6814% | 2,742 |
| Assets per employee ($millions) | 6.4047% | 2,331 |
| Cash dividends to net income (ytd only)* | 10.3225% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,634 |
| Loan loss allowance to noncurrent loans | 241.8599% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 1,760 |
| Noncurrent loans to loans | 0.4368% | 2,246 |
| Net loans and leases to total assets | 77.5704% | 425 |
| Net loans and leases to deposits | 91.4839% | 518 |
| Net loans and leases to core deposits | 102.3798% | 510 |
| Total domestic deposits to total assets | 84.7913% | 3,183 |
| Equity capital to assets | 9.0387% | 3,793 |
| Core capital (leverage) ratio | 8.7680% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0445% | 3,087 |
| Memoranda: | ||
| Average total assets | $11,304,394,000 | 148 |
| Average earning assets | $10,419,336,000 | 147 |
| Average equity | $1,024,382,000 | 170 |
| Average total loans | $8,846,228,250 | 133 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 1,308 |
| Cost of funding earning assets | 0.4609% | 1,444 |
| Net interest margin | 3.6616% | 1,441 |
| Noninterest income to average assets | 2.0915% | 311 |
| Noninterest expense to average assets | 3.5180% | 456 |
| Loan and lease loss provision to assets | 0.2246% | 468 |
| Net operating income to assets | 1.3760% | 1,639 |
| Return on assets (ROA) | 1.3765% | 1,709 |
| Pretax return on assets | 1.7379% | 1,392 |
| Return on Equity (ROE) | 15.1758% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.9901% | 718 |
| Net charge-offs to loans | 0.0245% | 1,456 |
| Credit loss provision to net charge-offs | 1,173.4463% | 427 |
| Earnings coverage of net charge-offs (x) | 102.5009% | 737 |
| Efficiency ratio | 62.3423% | 2,685 |
| Assets per employee ($millions) | 6.3158% | 2,311 |
| Cash dividends to net income (ytd only)* | 14.4026% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,523 |
| Loan loss allowance to noncurrent loans | 199.6302% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,542 |
| Noncurrent loans to loans | 0.5386% | 2,055 |
| Net loans and leases to total assets | 78.4717% | 408 |
| Net loans and leases to deposits | 94.1954% | 450 |
| Net loans and leases to core deposits | 106.1094% | 467 |
| Total domestic deposits to total assets | 83.3074% | 3,636 |
| Equity capital to assets | 8.8763% | 3,914 |
| Core capital (leverage) ratio | 8.6789% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0918% | 3,077 |
| Memoranda: | ||
| Average total assets | $11,097,312,000 | 147 |
| Average earning assets | $10,269,088,667 | 145 |
| Average equity | $1,006,535,333 | 171 |
| Average total loans | $8,678,458,000 | 136 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 1,110 |
| Cost of funding earning assets | 0.4954% | 1,416 |
| Net interest margin | 3.7587% | 1,222 |
| Noninterest income to average assets | 2.3574% | 288 |
| Noninterest expense to average assets | 3.7265% | 355 |
| Loan and lease loss provision to assets | 0.2301% | 490 |
| Net operating income to assets | 1.4828% | 1,364 |
| Return on assets (ROA) | 1.4842% | 1,428 |
| Pretax return on assets | 1.8767% | 1,152 |
| Return on Equity (ROE) | 16.1773% | 984 |
| Retained earnings to average equity (ytd only) | 16.1773% | 499 |
| Net charge-offs to loans | 0.0282% | 1,207 |
| Credit loss provision to net charge-offs | 1,051.6892% | 403 |
| Earnings coverage of net charge-offs (x) | 96.2162% | 632 |
| Efficiency ratio | 62.0941% | 2,740 |
| Assets per employee ($millions) | 6.2063% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,551 |
| Loan loss allowance to noncurrent loans | 59.4539% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5293% | 404 |
| Noncurrent loans to loans | 1.8055% | 641 |
| Net loans and leases to total assets | 77.3631% | 511 |
| Net loans and leases to deposits | 94.5956% | 462 |
| Net loans and leases to core deposits | 103.8390% | 578 |
| Total domestic deposits to total assets | 81.7830% | 3,935 |
| Equity capital to assets | 9.1358% | 3,554 |
| Core capital (leverage) ratio | 9.0232% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3820% | 3,026 |
| Memoranda: | ||
| Average total assets | $10,822,804,000 | 150 |
| Average earning assets | $10,003,673,500 | 147 |
| Average equity | $992,923,500 | 171 |
| Average total loans | $8,398,480,500 | 137 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 1,293 |
| Cost of funding earning assets | 0.7710% | 1,341 |
| Net interest margin | 3.7369% | 1,682 |
| Noninterest income to average assets | 2.4966% | 242 |
| Noninterest expense to average assets | 3.9107% | 414 |
| Loan and lease loss provision to assets | 0.5187% | 453 |
| Net operating income to assets | 1.1887% | 1,587 |
| Return on assets (ROA) | 1.2905% | 1,375 |
| Pretax return on assets | 1.6156% | 1,044 |
| Return on Equity (ROE) | 13.7828% | 868 |
| Retained earnings to average equity (ytd only) | 10.7833% | 461 |
| Net charge-offs to loans | 0.1271% | 1,239 |
| Credit loss provision to net charge-offs | 535.4167% | 1,197 |
| Earnings coverage of net charge-offs (x) | 20.7186% | 1,930 |
| Efficiency ratio | 64.0262% | 2,816 |
| Assets per employee ($millions) | 5.9687% | 2,360 |
| Cash dividends to net income (ytd only)* | 21.7627% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,518 |
| Loan loss allowance to noncurrent loans | 53.4851% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 394 |
| Noncurrent loans to loans | 2.0348% | 555 |
| Net loans and leases to total assets | 76.1224% | 776 |
| Net loans and leases to deposits | 94.5941% | 623 |
| Net loans and leases to core deposits | 105.5693% | 665 |
| Total domestic deposits to total assets | 80.4727% | 3,964 |
| Equity capital to assets | 9.2153% | 3,874 |
| Core capital (leverage) ratio | 9.0029% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5041% | 3,025 |
| Memoranda: | ||
| Average total assets | $9,364,788,800 | 156 |
| Average earning assets | $8,573,809,000 | 155 |
| Average equity | $876,809,200 | 178 |
| Average total loans | $7,135,285,800 | 150 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 904 |
| Cost of funding earning assets | 0.8409% | 1,307 |
| Net interest margin | 3.9442% | 1,250 |
| Noninterest income to average assets | 2.4704% | 243 |
| Noninterest expense to average assets | 4.1287% | 336 |
| Loan and lease loss provision to assets | 0.5841% | 440 |
| Net operating income to assets | 1.0797% | 2,046 |
| Return on assets (ROA) | 1.2173% | 1,708 |
| Pretax return on assets | 1.5323% | 1,373 |
| Return on Equity (ROE) | 12.9426% | 1,129 |
| Retained earnings to average equity (ytd only) | 8.8371% | 1,026 |
| Net charge-offs to loans | 0.1437% | 1,019 |
| Credit loss provision to net charge-offs | 534.9872% | 1,239 |
| Earnings coverage of net charge-offs (x) | 17.7871% | 1,993 |
| Efficiency ratio | 65.9398% | 2,475 |
| Assets per employee ($millions) | 5.9409% | 2,316 |
| Cash dividends to net income (ytd only)* | 31.7204% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,658 |
| Loan loss allowance to noncurrent loans | 100.1537% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 1,213 |
| Noncurrent loans to loans | 1.0100% | 1,477 |
| Net loans and leases to total assets | 77.3627% | 916 |
| Net loans and leases to deposits | 97.1255% | 680 |
| Net loans and leases to core deposits | 110.4854% | 683 |
| Total domestic deposits to total assets | 79.6523% | 3,938 |
| Equity capital to assets | 9.0066% | 4,117 |
| Core capital (leverage) ratio | 8.9452% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3386% | 3,058 |
| Memoranda: | ||
| Average total assets | $9,081,230,750 | 159 |
| Average earning assets | $8,289,756,250 | 157 |
| Average equity | $854,131,750 | 179 |
| Average total loans | $6,899,097,250 | 155 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 913 |
| Cost of funding earning assets | 0.9512% | 1,142 |
| Net interest margin | 3.9856% | 1,362 |
| Noninterest income to average assets | 2.2949% | 251 |
| Noninterest expense to average assets | 4.0611% | 384 |
| Loan and lease loss provision to assets | 0.5122% | 679 |
| Net operating income to assets | 1.0807% | 2,031 |
| Return on assets (ROA) | 1.2617% | 1,579 |
| Pretax return on assets | 1.5902% | 1,250 |
| Return on Equity (ROE) | 13.1958% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.8742% | 1,707 |
| Net charge-offs to loans | 0.1798% | 838 |
| Credit loss provision to net charge-offs | 379.2241% | 1,448 |
| Earnings coverage of net charge-offs (x) | 13.8690% | 1,975 |
| Efficiency ratio | 66.2253% | 2,485 |
| Assets per employee ($millions) | 5.7878% | 2,386 |
| Cash dividends to net income (ytd only)* | 47.9062% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,089 |
| Loan loss allowance to noncurrent loans | 133.3491% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 1,881 |
| Noncurrent loans to loans | 0.6588% | 2,215 |
| Net loans and leases to total assets | 74.0524% | 1,404 |
| Net loans and leases to deposits | 93.0062% | 1,053 |
| Net loans and leases to core deposits | 106.4116% | 879 |
| Total domestic deposits to total assets | 79.6209% | 3,911 |
| Equity capital to assets | 8.9828% | 4,106 |
| Core capital (leverage) ratio | 9.1013% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4185% | 3,098 |
| Memoranda: | ||
| Average total assets | $8,702,187,667 | 164 |
| Average earning assets | $7,946,436,333 | 162 |
| Average equity | $832,067,000 | 180 |
| Average total loans | $6,536,800,000 | 159 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 1,289 |
| Cost of funding earning assets | 1.1814% | 823 |
| Net interest margin | 3.6775% | 2,407 |
| Noninterest income to average assets | 2.3615% | 213 |
| Noninterest expense to average assets | 4.2294% | 406 |
| Loan and lease loss provision to assets | 0.3346% | 922 |
| Net operating income to assets | 0.9105% | 2,487 |
| Return on assets (ROA) | 1.2629% | 1,443 |
| Pretax return on assets | 1.5893% | 1,082 |
| Return on Equity (ROE) | 12.7390% | 927 |
| Retained earnings to average equity (ytd only) | -0.3396% | 4,045 |
| Net charge-offs to loans | 0.2612% | 561 |
| Credit loss provision to net charge-offs | 169.9725% | 1,513 |
| Earnings coverage of net charge-offs (x) | 7.5071% | 1,916 |
| Efficiency ratio | 71.7978% | 2,107 |
| Assets per employee ($millions) | 4.9609% | 2,692 |
| Cash dividends to net income (ytd only)* | 102.6662% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,360 |
| Loan loss allowance to noncurrent loans | 95.4767% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 1,623 |
| Noncurrent loans to loans | 0.8579% | 1,899 |
| Net loans and leases to total assets | 76.2444% | 1,259 |
| Net loans and leases to deposits | 91.6493% | 1,323 |
| Net loans and leases to core deposits | 105.0187% | 1,117 |
| Total domestic deposits to total assets | 83.1914% | 3,043 |
| Equity capital to assets | 9.7878% | 3,968 |
| Core capital (leverage) ratio | 9.0749% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2489% | 3,289 |
| Memoranda: | ||
| Average total assets | $8,113,412,500 | 170 |
| Average earning assets | $7,381,571,000 | 167 |
| Average equity | $804,363,000 | 187 |
| Average total loans | $6,114,686,500 | 162 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 1,038 |
| Cost of funding earning assets | 1.1647% | 1,109 |
| Net interest margin | 4.0161% | 1,806 |
| Noninterest income to average assets | 1.7225% | 331 |
| Noninterest expense to average assets | 3.6308% | 828 |
| Loan and lease loss provision to assets | 0.2115% | 947 |
| Net operating income to assets | 0.7553% | 3,687 |
| Return on assets (ROA) | 0.7892% | 3,666 |
| Pretax return on assets | 1.5771% | 1,556 |
| Return on Equity (ROE) | 7.7081% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.4043% | 3,310 |
| Net charge-offs to loans | 0.1354% | 1,429 |
| Credit loss provision to net charge-offs | 214.8228% | 1,229 |
| Earnings coverage of net charge-offs (x) | 17.7312% | 2,094 |
| Efficiency ratio | 64.8945% | 2,949 |
| Assets per employee ($millions) | 5.0442% | 2,539 |
| Cash dividends to net income (ytd only)* | 55.8346% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,276 |
| Loan loss allowance to noncurrent loans | 89.9441% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 1,641 |
| Noncurrent loans to loans | 0.9012% | 1,705 |
| Net loans and leases to total assets | 73.2492% | 1,881 |
| Net loans and leases to deposits | 89.7542% | 1,621 |
| Net loans and leases to core deposits | 101.8947% | 1,414 |
| Total domestic deposits to total assets | 81.6109% | 3,614 |
| Equity capital to assets | 10.0408% | 3,882 |
| Core capital (leverage) ratio | 9.1638% | 4,387 |
| Tier 1 risk-based capital ratio | 10.9341% | 4,880 |
| Total risk-based capital ratio | 11.7267% | 4,954 |
| Memoranda: | ||
| Average total assets | $7,537,713,200 | 168 |
| Average earning assets | $6,857,982,200 | 167 |
| Average equity | $771,783,400 | 189 |
| Average total loans | $5,479,612,000 | 167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 1,090 |
| Cost of funding earning assets | 1.1518% | 1,169 |
| Net interest margin | 4.0241% | 1,851 |
| Noninterest income to average assets | 1.7707% | 319 |
| Noninterest expense to average assets | 3.6316% | 818 |
| Loan and lease loss provision to assets | 0.2573% | 623 |
| Net operating income to assets | 0.6049% | 4,284 |
| Return on assets (ROA) | 0.6507% | 4,209 |
| Pretax return on assets | 1.5994% | 1,640 |
| Return on Equity (ROE) | 6.3214% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.3074% | 3,754 |
| Net charge-offs to loans | 0.0882% | 1,588 |
| Credit loss provision to net charge-offs | 403.0765% | 748 |
| Earnings coverage of net charge-offs (x) | 28.1773% | 1,692 |
| Efficiency ratio | 64.2150% | 2,972 |
| Assets per employee ($millions) | 4.9804% | 2,585 |
| Cash dividends to net income (ytd only)* | 47.6793% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,133 |
| Loan loss allowance to noncurrent loans | 96.7029% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 1,721 |
| Noncurrent loans to loans | 0.9061% | 1,765 |
| Net loans and leases to total assets | 73.0013% | 1,998 |
| Net loans and leases to deposits | 86.0832% | 2,179 |
| Net loans and leases to core deposits | 98.7937% | 1,763 |
| Total domestic deposits to total assets | 84.8032% | 2,497 |
| Equity capital to assets | 10.2894% | 3,740 |
| Core capital (leverage) ratio | 9.2587% | 4,418 |
| Tier 1 risk-based capital ratio | 11.2442% | 4,801 |
| Total risk-based capital ratio | 12.1022% | 4,868 |
| Memoranda: | ||
| Average total assets | $7,399,416,250 | 170 |
| Average earning assets | $6,729,591,750 | 168 |
| Average equity | $761,630,500 | 192 |
| Average total loans | $5,355,775,750 | 171 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,063 |
| Cost of funding earning assets | 1.0893% | 1,339 |
| Net interest margin | 4.0737% | 1,689 |
| Noninterest income to average assets | 1.6873% | 337 |
| Noninterest expense to average assets | 3.6081% | 844 |
| Loan and lease loss provision to assets | 0.2589% | 590 |
| Net operating income to assets | 0.2644% | 4,923 |
| Return on assets (ROA) | 0.3329% | 4,843 |
| Pretax return on assets | 1.6110% | 1,514 |
| Return on Equity (ROE) | 3.2338% | 4,741 |
| Retained earnings to average equity (ytd only) | -1.3801% | 4,867 |
| Net charge-offs to loans | 0.1332% | 1,132 |
| Credit loss provision to net charge-offs | 270.1699% | 964 |
| Earnings coverage of net charge-offs (x) | 18.6113% | 1,854 |
| Efficiency ratio | 64.1900% | 3,100 |
| Assets per employee ($millions) | 4.9081% | 2,596 |
| Cash dividends to net income (ytd only)* | 142.6784% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 4,320 |
| Loan loss allowance to noncurrent loans | 82.7253% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 1,609 |
| Noncurrent loans to loans | 1.0092% | 1,625 |
| Net loans and leases to total assets | 72.1486% | 2,195 |
| Net loans and leases to deposits | 86.1889% | 2,236 |
| Net loans and leases to core deposits | 96.5004% | 2,021 |
| Total domestic deposits to total assets | 83.7099% | 2,977 |
| Equity capital to assets | 10.2846% | 3,714 |
| Core capital (leverage) ratio | 9.4525% | 4,198 |
| Tier 1 risk-based capital ratio | 11.3517% | 4,767 |
| Total risk-based capital ratio | 12.1678% | 4,862 |
| Memoranda: | ||
| Average total assets | $7,249,517,330 | 174 |
| Average earning assets | $6,591,680,000 | 171 |
| Average equity | $746,299,670 | 195 |
| Average total loans | $5,214,165,670 | 172 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 872 |
| Cost of funding earning assets | 1.0349% | 1,430 |
| Net interest margin | 4.1867% | 1,326 |
| Noninterest income to average assets | 1.3181% | 490 |
| Noninterest expense to average assets | 3.4215% | 1,080 |
| Loan and lease loss provision to assets | 0.2854% | 471 |
| Net operating income to assets | -0.8169% | 5,276 |
| Return on assets (ROA) | -0.8095% | 5,272 |
| Pretax return on assets | 1.4216% | 2,011 |
| Return on Equity (ROE) | -7.8592% | 5,279 |
| Retained earnings to average equity (ytd only) | -17.2735% | 5,234 |
| Net charge-offs to loans | 0.0191% | 2,083 |
| Credit loss provision to net charge-offs | 2,085.1852% | 213 |
| Earnings coverage of net charge-offs (x) | 124.0412% | 575 |
| Efficiency ratio | 63.8986% | 3,251 |
| Assets per employee ($millions) | 4.7426% | 2,860 |
| Cash dividends to net income (ytd only)* | -119.7871% | 5,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,282 |
| Loan loss allowance to noncurrent loans | 94.2627% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 1,736 |
| Noncurrent loans to loans | 0.9196% | 1,823 |
| Net loans and leases to total assets | 71.1170% | 2,309 |
| Net loans and leases to deposits | 84.5624% | 2,320 |
| Net loans and leases to core deposits | 94.1541% | 2,109 |
| Total domestic deposits to total assets | 84.1000% | 3,019 |
| Equity capital to assets | 10.2562% | 3,568 |
| Core capital (leverage) ratio | 9.4531% | 4,192 |
| Tier 1 risk-based capital ratio | 11.4554% | 4,765 |
| Total risk-based capital ratio | 12.2924% | 4,858 |
| Memoranda: | ||
| Average total assets | $7,102,386,500 | 176 |
| Average earning assets | $6,447,966,000 | 176 |
| Average equity | $731,524,500 | 198 |
| Average total loans | $5,076,969,500 | 174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 1,027 |
| Cost of funding earning assets | 0.7365% | 1,867 |
| Net interest margin | 4.2734% | 1,215 |
| Noninterest income to average assets | 1.6603% | 349 |
| Noninterest expense to average assets | 3.7211% | 753 |
| Loan and lease loss provision to assets | 0.2731% | 617 |
| Net operating income to assets | 1.5266% | 1,052 |
| Return on assets (ROA) | 1.5201% | 1,051 |
| Pretax return on assets | 1.5201% | 1,712 |
| Return on Equity (ROE) | 14.7809% | 877 |
| Retained earnings to average equity (ytd only) | 10.3940% | 549 |
| Net charge-offs to loans | 0.0591% | 2,295 |
| Credit loss provision to net charge-offs | 637.9859% | 543 |
| Earnings coverage of net charge-offs (x) | 42.0360% | 1,267 |
| Efficiency ratio | 64.4723% | 3,122 |
| Assets per employee ($millions) | 4.8280% | 2,703 |
| Cash dividends to net income (ytd only)* | 29.6791% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,535 |
| Loan loss allowance to noncurrent loans | 74.7020% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 1,487 |
| Noncurrent loans to loans | 1.0702% | 1,525 |
| Net loans and leases to total assets | 70.6503% | 2,474 |
| Net loans and leases to deposits | 85.3071% | 2,373 |
| Net loans and leases to core deposits | 94.1831% | 2,208 |
| Total domestic deposits to total assets | 82.8188% | 3,389 |
| Equity capital to assets | 10.3443% | 3,332 |
| Core capital (leverage) ratio | 9.2566% | 4,394 |
| Tier 1 risk-based capital ratio | 11.2994% | 4,813 |
| Total risk-based capital ratio | 12.0762% | 4,942 |
| Memoranda: | ||
| Average total assets | $6,609,976,000 | 182 |
| Average earning assets | $5,971,378,800 | 182 |
| Average equity | $679,784,400 | 197 |
| Average total loans | $4,791,081,800 | 177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 964 |
| Cost of funding earning assets | 0.6669% | 2,051 |
| Net interest margin | 4.3200% | 1,075 |
| Noninterest income to average assets | 1.7348% | 344 |
| Noninterest expense to average assets | 3.8556% | 623 |
| Loan and lease loss provision to assets | 0.2906% | 513 |
| Net operating income to assets | 1.4863% | 1,230 |
| Return on assets (ROA) | 1.4775% | 1,252 |
| Pretax return on assets | 1.4775% | 1,977 |
| Return on Equity (ROE) | 14.3898% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.4415% | 1,452 |
| Net charge-offs to loans | 0.0292% | 2,510 |
| Credit loss provision to net charge-offs | 1,365.7363% | 295 |
| Earnings coverage of net charge-offs (x) | 83.5043% | 859 |
| Efficiency ratio | 65.5379% | 2,953 |
| Assets per employee ($millions) | 4.6849% | 2,860 |
| Cash dividends to net income (ytd only)* | 41.3365% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 4,695 |
| Loan loss allowance to noncurrent loans | 87.2653% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 1,755 |
| Noncurrent loans to loans | 0.8910% | 1,916 |
| Net loans and leases to total assets | 71.4776% | 2,412 |
| Net loans and leases to deposits | 83.9704% | 2,601 |
| Net loans and leases to core deposits | 93.3316% | 2,367 |
| Total domestic deposits to total assets | 85.1225% | 2,562 |
| Equity capital to assets | 10.1266% | 3,513 |
| Core capital (leverage) ratio | 8.9253% | 4,771 |
| Tier 1 risk-based capital ratio | 10.9943% | 5,039 |
| Total risk-based capital ratio | 11.7893% | 5,145 |
| Memoranda: | ||
| Average total assets | $6,509,911,500 | 183 |
| Average earning assets | $5,873,665,750 | 183 |
| Average equity | $668,440,250 | 197 |
| Average total loans | $4,740,686,500 | 179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 1,195 |
| Cost of funding earning assets | 0.6017% | 2,212 |
| Net interest margin | 4.2197% | 1,237 |
| Noninterest income to average assets | 1.7255% | 346 |
| Noninterest expense to average assets | 3.8944% | 606 |
| Loan and lease loss provision to assets | 0.2604% | 588 |
| Net operating income to assets | 1.3744% | 1,527 |
| Return on assets (ROA) | 1.3611% | 1,568 |
| Pretax return on assets | 1.3611% | 2,291 |
| Return on Equity (ROE) | 13.1918% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.3470% | 2,388 |
| Net charge-offs to loans | 0.0169% | 2,579 |
| Credit loss provision to net charge-offs | 2,108.3123% | 201 |
| Earnings coverage of net charge-offs (x) | 132.3526% | 575 |
| Efficiency ratio | 67.4254% | 2,743 |
| Assets per employee ($millions) | 4.4185% | 3,252 |
| Cash dividends to net income (ytd only)* | 51.8871% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,995 |
| Loan loss allowance to noncurrent loans | 79.5141% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 1,516 |
| Noncurrent loans to loans | 0.8445% | 2,032 |
| Net loans and leases to total assets | 73.5864% | 2,014 |
| Net loans and leases to deposits | 91.2562% | 1,676 |
| Net loans and leases to core deposits | 99.3452% | 1,786 |
| Total domestic deposits to total assets | 80.6371% | 4,089 |
| Equity capital to assets | 10.1813% | 3,453 |
| Core capital (leverage) ratio | 8.9070% | 4,777 |
| Tier 1 risk-based capital ratio | 10.6176% | 5,226 |
| Total risk-based capital ratio | 11.3186% | 5,350 |
| Memoranda: | ||
| Average total assets | $6,428,007,670 | 183 |
| Average earning assets | $5,794,316,330 | 183 |
| Average equity | $663,215,000 | 196 |
| Average total loans | $4,698,715,330 | 179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,238 |
| Cost of funding earning assets | 0.5837% | 2,146 |
| Net interest margin | 4.1461% | 1,308 |
| Noninterest income to average assets | 1.7172% | 338 |
| Noninterest expense to average assets | 3.8633% | 619 |
| Loan and lease loss provision to assets | 0.2863% | 470 |
| Net operating income to assets | 1.3109% | 1,609 |
| Return on assets (ROA) | 1.2839% | 1,708 |
| Pretax return on assets | 1.2839% | 2,429 |
| Return on Equity (ROE) | 12.3595% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.6112% | 2,451 |
| Net charge-offs to loans | -0.0197% | 4,551 |
| Credit loss provision to net charge-offs | -2,005.2863% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6716% | 2,884 |
| Assets per employee ($millions) | 4.4143% | 3,301 |
| Cash dividends to net income (ytd only)* | 46.5092% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6297% | 5,133 |
| Loan loss allowance to noncurrent loans | 68.8215% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 1,364 |
| Noncurrent loans to loans | 0.9149% | 1,991 |
| Net loans and leases to total assets | 72.3048% | 2,120 |
| Net loans and leases to deposits | 87.9725% | 1,932 |
| Net loans and leases to core deposits | 97.1829% | 1,892 |
| Total domestic deposits to total assets | 82.1902% | 3,904 |
| Equity capital to assets | 10.2682% | 3,316 |
| Core capital (leverage) ratio | 9.0162% | 4,665 |
| Tier 1 risk-based capital ratio | 10.7803% | 5,254 |
| Total risk-based capital ratio | 11.4414% | 5,379 |
| Memoranda: | ||
| Average total assets | $6,359,090,500 | 186 |
| Average earning assets | $5,741,314,000 | 186 |
| Average equity | $660,578,500 | 197 |
| Average total loans | $4,615,959,000 | 182 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,520 |
| Cost of funding earning assets | 0.4644% | 2,649 |
| Net interest margin | 4.1021% | 1,426 |
| Noninterest income to average assets | 1.6199% | 399 |
| Noninterest expense to average assets | 3.7828% | 706 |
| Loan and lease loss provision to assets | 0.1700% | 1,293 |
| Net operating income to assets | 1.3632% | 1,090 |
| Return on assets (ROA) | 1.3827% | 1,072 |
| Pretax return on assets | 1.3828% | 2,048 |
| Return on Equity (ROE) | 12.9694% | 958 |
| Retained earnings to average equity (ytd only) | 5.2730% | 1,952 |
| Net charge-offs to loans | 0.2117% | 1,227 |
| Credit loss provision to net charge-offs | 113.0095% | 2,309 |
| Earnings coverage of net charge-offs (x) | 10.1939% | 2,707 |
| Efficiency ratio | 67.9148% | 2,914 |
| Assets per employee ($millions) | 4.3296% | 3,443 |
| Cash dividends to net income (ytd only)* | 59.3426% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5424% | 5,336 |
| Loan loss allowance to noncurrent loans | 82.7463% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 1,600 |
| Noncurrent loans to loans | 0.6555% | 2,578 |
| Net loans and leases to total assets | 72.0169% | 2,234 |
| Net loans and leases to deposits | 85.0002% | 2,369 |
| Net loans and leases to core deposits | 93.8893% | 2,208 |
| Total domestic deposits to total assets | 84.7256% | 2,935 |
| Equity capital to assets | 10.5105% | 3,161 |
| Core capital (leverage) ratio | 9.3133% | 4,275 |
| Tier 1 risk-based capital ratio | 11.4626% | 4,873 |
| Total risk-based capital ratio | 12.0489% | 5,147 |
| Memoranda: | ||
| Average total assets | $6,035,524,000 | 188 |
| Average earning assets | $5,438,259,400 | 184 |
| Average equity | $643,484,400 | 191 |
| Average total loans | $4,287,517,000 | 181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 1,561 |
| Cost of funding earning assets | 0.4443% | 2,767 |
| Net interest margin | 4.0850% | 1,427 |
| Noninterest income to average assets | 1.7617% | 378 |
| Noninterest expense to average assets | 3.8304% | 648 |
| Loan and lease loss provision to assets | 0.2423% | 725 |
| Net operating income to assets | 1.3645% | 1,171 |
| Return on assets (ROA) | 1.3907% | 1,127 |
| Pretax return on assets | 1.3908% | 2,144 |
| Return on Equity (ROE) | 12.9957% | 1,059 |
| Retained earnings to average equity (ytd only) | 9.2361% | 781 |
| Net charge-offs to loans | 0.1306% | 1,482 |
| Credit loss provision to net charge-offs | 262.5544% | 1,091 |
| Earnings coverage of net charge-offs (x) | 17.4124% | 2,102 |
| Efficiency ratio | 67.2430% | 3,011 |
| Assets per employee ($millions) | 4.3014% | 3,468 |
| Cash dividends to net income (ytd only)* | 28.9294% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6846% | 5,170 |
| Loan loss allowance to noncurrent loans | 93.9750% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 1,513 |
| Noncurrent loans to loans | 0.7284% | 2,534 |
| Net loans and leases to total assets | 71.2461% | 2,370 |
| Net loans and leases to deposits | 84.4502% | 2,500 |
| Net loans and leases to core deposits | 93.2471% | 2,325 |
| Total domestic deposits to total assets | 84.3646% | 2,973 |
| Equity capital to assets | 10.9896% | 2,876 |
| Core capital (leverage) ratio | 9.7810% | 3,845 |
| Tier 1 risk-based capital ratio | 12.2849% | 4,443 |
| Total risk-based capital ratio | 12.9482% | 4,718 |
| Memoranda: | ||
| Average total assets | $5,972,767,000 | 190 |
| Average earning assets | $5,374,143,000 | 185 |
| Average equity | $639,169,000 | 192 |
| Average total loans | $4,221,378,500 | 182 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,491 |
| Cost of funding earning assets | 0.4251% | 2,848 |
| Net interest margin | 4.0847% | 1,369 |
| Noninterest income to average assets | 1.8059% | 374 |
| Noninterest expense to average assets | 3.8636% | 624 |
| Loan and lease loss provision to assets | 0.2583% | 639 |
| Net operating income to assets | 1.3479% | 1,182 |
| Return on assets (ROA) | 1.3876% | 1,122 |
| Pretax return on assets | 1.3876% | 2,067 |
| Return on Equity (ROE) | 13.0886% | 1,015 |
| Retained earnings to average equity (ytd only) | 10.8108% | 468 |
| Net charge-offs to loans | 0.2426% | 840 |
| Credit loss provision to net charge-offs | 151.3781% | 1,508 |
| Earnings coverage of net charge-offs (x) | 9.4148% | 2,435 |
| Efficiency ratio | 67.4167% | 3,113 |
| Assets per employee ($millions) | 4.2245% | 3,573 |
| Cash dividends to net income (ytd only)* | 17.4030% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 5,359 |
| Loan loss allowance to noncurrent loans | 75.9045% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 1,321 |
| Noncurrent loans to loans | 0.8055% | 2,384 |
| Net loans and leases to total assets | 70.4718% | 2,450 |
| Net loans and leases to deposits | 85.5396% | 2,284 |
| Net loans and leases to core deposits | 93.0142% | 2,244 |
| Total domestic deposits to total assets | 82.3849% | 3,774 |
| Equity capital to assets | 11.0841% | 2,718 |
| Core capital (leverage) ratio | 9.8140% | 3,761 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,498 |
| Total risk-based capital ratio | 12.7710% | 4,837 |
| Memoranda: | ||
| Average total assets | $5,911,903,000 | 189 |
| Average earning assets | $5,302,805,330 | 188 |
| Average equity | $626,742,000 | 196 |
| Average total loans | $4,156,611,670 | 187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 1,519 |
| Cost of funding earning assets | 0.4124% | 2,880 |
| Net interest margin | 4.0302% | 1,390 |
| Noninterest income to average assets | 1.7767% | 370 |
| Noninterest expense to average assets | 3.8152% | 669 |
| Loan and lease loss provision to assets | 0.2290% | 680 |
| Net operating income to assets | 1.3417% | 1,133 |
| Return on assets (ROA) | 1.4218% | 981 |
| Pretax return on assets | 1.4218% | 1,807 |
| Return on Equity (ROE) | 13.7329% | 852 |
| Retained earnings to average equity (ytd only) | 9.0251% | 1,069 |
| Net charge-offs to loans | 0.0629% | 1,702 |
| Credit loss provision to net charge-offs | 520.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 35.6636% | 1,117 |
| Efficiency ratio | 67.5389% | 3,272 |
| Assets per employee ($millions) | 4.2268% | 3,620 |
| Cash dividends to net income (ytd only)* | 34.2810% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,444 |
| Loan loss allowance to noncurrent loans | 83.7283% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2149% | 1,443 |
| Noncurrent loans to loans | 0.7431% | 2,634 |
| Net loans and leases to total assets | 70.8191% | 2,248 |
| Net loans and leases to deposits | 85.4191% | 2,099 |
| Net loans and leases to core deposits | 92.8662% | 2,082 |
| Total domestic deposits to total assets | 82.9078% | 3,875 |
| Equity capital to assets | 10.8404% | 2,811 |
| Core capital (leverage) ratio | 9.5681% | 4,037 |
| Tier 1 risk-based capital ratio | 11.8235% | 4,833 |
| Total risk-based capital ratio | 12.4110% | 5,119 |
| Memoranda: | ||
| Average total assets | $5,857,898,500 | 190 |
| Average earning assets | $5,246,134,000 | 189 |
| Average equity | $606,486,000 | 198 |
| Average total loans | $4,100,698,500 | 188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,511 |
| Cost of funding earning assets | 0.4184% | 2,822 |
| Net interest margin | 3.7737% | 2,411 |
| Noninterest income to average assets | 2.4408% | 257 |
| Noninterest expense to average assets | 4.2273% | 474 |
| Loan and lease loss provision to assets | 0.2111% | 1,071 |
| Net operating income to assets | 1.4146% | 982 |
| Return on assets (ROA) | 1.4488% | 944 |
| Pretax return on assets | 1.4488% | 1,754 |
| Return on Equity (ROE) | 14.8040% | 654 |
| Retained earnings to average equity (ytd only) | 11.2928% | 275 |
| Net charge-offs to loans | 0.1945% | 1,420 |
| Credit loss provision to net charge-offs | 162.3038% | 1,704 |
| Earnings coverage of net charge-offs (x) | 12.4968% | 2,442 |
| Efficiency ratio | 70.8573% | 2,770 |
| Assets per employee ($millions) | 4.1895% | 3,635 |
| Cash dividends to net income (ytd only)* | 23.7181% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 5,551 |
| Loan loss allowance to noncurrent loans | 93.8256% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 1,610 |
| Noncurrent loans to loans | 0.6284% | 2,967 |
| Net loans and leases to total assets | 68.3141% | 2,723 |
| Net loans and leases to deposits | 82.4231% | 2,615 |
| Net loans and leases to core deposits | 89.4273% | 2,558 |
| Total domestic deposits to total assets | 82.8822% | 3,806 |
| Equity capital to assets | 9.8569% | 3,873 |
| Core capital (leverage) ratio | 10.8001% | 2,534 |
| Tier 1 risk-based capital ratio | 11.1568% | 5,251 |
| Total risk-based capital ratio | 11.7022% | 5,536 |
| Memoranda: | ||
| Average total assets | $3,770,377,600 | 253 |
| Average earning assets | $3,409,285,400 | 252 |
| Average equity | $368,987,600 | 271 |
| Average total loans | $2,522,077,000 | 263 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,345 |
| Cost of funding earning assets | 0.4379% | 2,661 |
| Net interest margin | 3.8106% | 2,296 |
| Noninterest income to average assets | 2.8308% | 223 |
| Noninterest expense to average assets | 4.5873% | 356 |
| Loan and lease loss provision to assets | 0.2125% | 989 |
| Net operating income to assets | 1.4988% | 882 |
| Return on assets (ROA) | 1.5384% | 856 |
| Pretax return on assets | 1.5385% | 1,574 |
| Return on Equity (ROE) | 15.7706% | 574 |
| Retained earnings to average equity (ytd only) | 10.3426% | 509 |
| Net charge-offs to loans | 0.2091% | 1,116 |
| Credit loss provision to net charge-offs | 153.8007% | 1,740 |
| Earnings coverage of net charge-offs (x) | 12.3854% | 2,397 |
| Efficiency ratio | 71.9845% | 2,582 |
| Assets per employee ($millions) | 3.6739% | 4,529 |
| Cash dividends to net income (ytd only)* | 34.4181% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,552 |
| Loan loss allowance to noncurrent loans | 104.5881% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 2,636 |
| Noncurrent loans to loans | 0.9289% | 2,390 |
| Net loans and leases to total assets | 67.3110% | 2,902 |
| Net loans and leases to deposits | 83.5402% | 2,538 |
| Net loans and leases to core deposits | 95.7782% | 2,016 |
| Total domestic deposits to total assets | 80.5732% | 4,363 |
| Equity capital to assets | 9.8392% | 4,316 |
| Core capital (leverage) ratio | 8.6678% | 5,192 |
| Tier 1 risk-based capital ratio | 11.9208% | 4,837 |
| Total risk-based capital ratio | 12.8984% | 4,913 |
| Memoranda: | ||
| Average total assets | $3,262,350,750 | 284 |
| Average earning assets | $2,968,941,500 | 280 |
| Average equity | $318,247,500 | 308 |
| Average total loans | $2,155,739,750 | 290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,516 |
| Cost of funding earning assets | 0.4253% | 2,775 |
| Net interest margin | 3.7719% | 2,434 |
| Noninterest income to average assets | 2.7849% | 223 |
| Noninterest expense to average assets | 4.5241% | 378 |
| Loan and lease loss provision to assets | 0.2108% | 1,015 |
| Net operating income to assets | 1.4851% | 918 |
| Return on assets (ROA) | 1.5415% | 870 |
| Pretax return on assets | 1.5415% | 1,554 |
| Return on Equity (ROE) | 15.8494% | 558 |
| Retained earnings to average equity (ytd only) | 12.4164% | 278 |
| Net charge-offs to loans | 0.2137% | 1,101 |
| Credit loss provision to net charge-offs | 150.7761% | 1,580 |
| Earnings coverage of net charge-offs (x) | 12.1290% | 2,205 |
| Efficiency ratio | 71.8696% | 2,677 |
| Assets per employee ($millions) | 3.6117% | 4,584 |
| Cash dividends to net income (ytd only)* | 21.6604% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,593 |
| Loan loss allowance to noncurrent loans | 102.6815% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 2,698 |
| Noncurrent loans to loans | 0.9592% | 2,363 |
| Net loans and leases to total assets | 65.8439% | 3,104 |
| Net loans and leases to deposits | 79.7704% | 2,958 |
| Net loans and leases to core deposits | 89.9768% | 2,535 |
| Total domestic deposits to total assets | 82.5418% | 3,817 |
| Equity capital to assets | 9.8897% | 4,350 |
| Core capital (leverage) ratio | 8.7384% | 5,124 |
| Tier 1 risk-based capital ratio | 12.0348% | 4,801 |
| Total risk-based capital ratio | 13.0020% | 4,887 |
| Memoranda: | ||
| Average total assets | $3,225,573,330 | 283 |
| Average earning assets | $2,937,505,330 | 278 |
| Average equity | $313,714,670 | 307 |
| Average total loans | $2,110,167,000 | 294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,578 |
| Cost of funding earning assets | 0.4224% | 2,839 |
| Net interest margin | 3.7492% | 2,482 |
| Noninterest income to average assets | 2.7025% | 227 |
| Noninterest expense to average assets | 4.4186% | 416 |
| Loan and lease loss provision to assets | 0.2007% | 978 |
| Net operating income to assets | 1.4995% | 850 |
| Return on assets (ROA) | 1.6136% | 725 |
| Pretax return on assets | 1.6136% | 1,261 |
| Return on Equity (ROE) | 16.7366% | 464 |
| Retained earnings to average equity (ytd only) | 16.7366% | 166 |
| Net charge-offs to loans | 0.3273% | 674 |
| Credit loss provision to net charge-offs | 94.5068% | 1,721 |
| Earnings coverage of net charge-offs (x) | 8.0077% | 2,093 |
| Efficiency ratio | 71.3246% | 2,898 |
| Assets per employee ($millions) | 3.6404% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,785 |
| Loan loss allowance to noncurrent loans | 94.3070% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,489 |
| Noncurrent loans to loans | 1.0222% | 2,340 |
| Net loans and leases to total assets | 64.8476% | 3,131 |
| Net loans and leases to deposits | 77.4129% | 3,062 |
| Net loans and leases to core deposits | 87.0091% | 2,657 |
| Total domestic deposits to total assets | 83.7684% | 3,610 |
| Equity capital to assets | 9.8408% | 4,283 |
| Core capital (leverage) ratio | 8.7432% | 5,134 |
| Tier 1 risk-based capital ratio | 12.3359% | 4,703 |
| Total risk-based capital ratio | 13.2910% | 4,804 |
| Memoranda: | ||
| Average total assets | $3,189,632,000 | 282 |
| Average earning assets | $2,906,316,000 | 282 |
| Average equity | $307,518,000 | 313 |
| Average total loans | $2,068,864,500 | 294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,493 |
| Cost of funding earning assets | 0.4096% | 3,053 |
| Net interest margin | 3.8109% | 2,335 |
| Noninterest income to average assets | 2.5454% | 261 |
| Noninterest expense to average assets | 4.3753% | 445 |
| Loan and lease loss provision to assets | 0.1748% | 1,303 |
| Net operating income to assets | 1.4564% | 938 |
| Return on assets (ROA) | 1.4886% | 915 |
| Pretax return on assets | 1.4886% | 1,592 |
| Return on Equity (ROE) | 15.8488% | 570 |
| Retained earnings to average equity (ytd only) | 4.8064% | 2,563 |
| Net charge-offs to loans | 0.2613% | 1,154 |
| Credit loss provision to net charge-offs | 106.7104% | 2,357 |
| Earnings coverage of net charge-offs (x) | 9.9590% | 2,754 |
| Efficiency ratio | 71.4849% | 2,986 |
| Assets per employee ($millions) | 3.6716% | 4,526 |
| Cash dividends to net income (ytd only)* | 69.6735% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 4,547 |
| Loan loss allowance to noncurrent loans | 87.5289% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 2,255 |
| Noncurrent loans to loans | 1.1534% | 2,042 |
| Net loans and leases to total assets | 63.5831% | 3,338 |
| Net loans and leases to deposits | 78.0021% | 3,055 |
| Net loans and leases to core deposits | 88.3425% | 2,569 |
| Total domestic deposits to total assets | 81.5147% | 4,327 |
| Equity capital to assets | 9.4370% | 4,627 |
| Core capital (leverage) ratio | 8.6267% | 5,305 |
| Tier 1 risk-based capital ratio | 12.2558% | 4,787 |
| Total risk-based capital ratio | 13.2296% | 4,865 |
| Memoranda: | ||
| Average total assets | $2,975,078,200 | 280 |
| Average earning assets | $2,701,945,400 | 283 |
| Average equity | $279,441,000 | 323 |
| Average total loans | $1,865,024,600 | 301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,538 |
| Cost of funding earning assets | 0.4060% | 3,167 |
| Net interest margin | 3.8048% | 2,362 |
| Noninterest income to average assets | 2.6988% | 244 |
| Noninterest expense to average assets | 4.5526% | 393 |
| Loan and lease loss provision to assets | 0.1365% | 1,644 |
| Net operating income to assets | 1.4630% | 985 |
| Return on assets (ROA) | 1.5066% | 948 |
| Pretax return on assets | 1.5066% | 1,671 |
| Return on Equity (ROE) | 16.0606% | 584 |
| Retained earnings to average equity (ytd only) | 1.0942% | 5,279 |
| Net charge-offs to loans | 0.1120% | 2,010 |
| Credit loss provision to net charge-offs | 195.6947% | 1,359 |
| Earnings coverage of net charge-offs (x) | 22.9321% | 1,755 |
| Efficiency ratio | 72.6493% | 2,770 |
| Assets per employee ($millions) | 3.6780% | 4,481 |
| Cash dividends to net income (ytd only)* | 93.1870% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 4,213 |
| Loan loss allowance to noncurrent loans | 119.1217% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 2,757 |
| Noncurrent loans to loans | 0.9256% | 2,662 |
| Net loans and leases to total assets | 62.1714% | 3,577 |
| Net loans and leases to deposits | 75.7710% | 3,331 |
| Net loans and leases to core deposits | 85.9038% | 2,862 |
| Total domestic deposits to total assets | 82.0518% | 4,147 |
| Equity capital to assets | 9.3894% | 4,892 |
| Core capital (leverage) ratio | 8.3020% | 5,719 |
| Tier 1 risk-based capital ratio | 12.1817% | 4,979 |
| Total risk-based capital ratio | 13.2560% | 4,996 |
| Memoranda: | ||
| Average total assets | $2,930,373,000 | 287 |
| Average earning assets | $2,659,684,750 | 289 |
| Average equity | $274,893,000 | 330 |
| Average total loans | $1,824,831,000 | 306 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,651 |
| Cost of funding earning assets | 0.4008% | 3,268 |
| Net interest margin | 3.7688% | 2,445 |
| Noninterest income to average assets | 2.6830% | 247 |
| Noninterest expense to average assets | 4.5635% | 394 |
| Loan and lease loss provision to assets | 0.1359% | 1,611 |
| Net operating income to assets | 1.4016% | 1,088 |
| Return on assets (ROA) | 1.4684% | 1,004 |
| Pretax return on assets | 1.4684% | 1,736 |
| Return on Equity (ROE) | 15.6588% | 649 |
| Retained earnings to average equity (ytd only) | -7.2811% | 6,104 |
| Net charge-offs to loans | 0.0908% | 2,121 |
| Credit loss provision to net charge-offs | 241.3366% | 1,071 |
| Earnings coverage of net charge-offs (x) | 27.2946% | 1,455 |
| Efficiency ratio | 73.3945% | 2,765 |
| Assets per employee ($millions) | 3.5534% | 4,709 |
| Cash dividends to net income (ytd only)* | 146.4986% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 4,177 |
| Loan loss allowance to noncurrent loans | 134.4736% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 3,055 |
| Noncurrent loans to loans | 0.8406% | 3,023 |
| Net loans and leases to total assets | 60.5150% | 3,754 |
| Net loans and leases to deposits | 73.0302% | 3,614 |
| Net loans and leases to core deposits | 81.9524% | 3,186 |
| Total domestic deposits to total assets | 82.8630% | 3,999 |
| Equity capital to assets | 8.9569% | 5,278 |
| Core capital (leverage) ratio | 8.0370% | 5,911 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,223 |
| Total risk-based capital ratio | 12.9826% | 5,235 |
| Memoranda: | ||
| Average total assets | $2,868,755,330 | 290 |
| Average earning assets | $2,601,761,000 | 295 |
| Average equity | $269,024,000 | 335 |
| Average total loans | $1,780,317,000 | 309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,646 |
| Cost of funding earning assets | 0.3923% | 3,386 |
| Net interest margin | 3.7535% | 2,418 |
| Noninterest income to average assets | 2.6340% | 249 |
| Noninterest expense to average assets | 4.5579% | 414 |
| Loan and lease loss provision to assets | 0.1301% | 1,590 |
| Net operating income to assets | 1.3508% | 1,132 |
| Return on assets (ROA) | 1.3508% | 1,201 |
| Pretax return on assets | 1.3508% | 2,068 |
| Return on Equity (ROE) | 14.0543% | 869 |
| Retained earnings to average equity (ytd only) | 14.0543% | 359 |
| Net charge-offs to loans | 0.0710% | 2,019 |
| Credit loss provision to net charge-offs | 293.1596% | 828 |
| Earnings coverage of net charge-offs (x) | 33.3616% | 1,083 |
| Efficiency ratio | 73.9650% | 2,825 |
| Assets per employee ($millions) | 3.5605% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 4,485 |
| Loan loss allowance to noncurrent loans | 147.5221% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 3,384 |
| Noncurrent loans to loans | 0.7496% | 3,388 |
| Net loans and leases to total assets | 62.0239% | 3,361 |
| Net loans and leases to deposits | 74.0884% | 3,301 |
| Net loans and leases to core deposits | 82.2971% | 2,933 |
| Total domestic deposits to total assets | 83.7160% | 3,926 |
| Equity capital to assets | 9.2143% | 5,069 |
| Core capital (leverage) ratio | 8.5759% | 5,453 |
| Tier 1 risk-based capital ratio | 12.0199% | 5,219 |
| Total risk-based capital ratio | 13.1228% | 5,215 |
| Memoranda: | ||
| Average total assets | $2,766,283,500 | 299 |
| Average earning assets | $2,509,334,500 | 296 |
| Average equity | $265,882,500 | 336 |
| Average total loans | $1,729,817,000 | 314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 3,144 |
| Cost of funding earning assets | 0.4006% | 3,682 |
| Net interest margin | 3.7452% | 2,823 |
| Noninterest income to average assets | 2.5652% | 231 |
| Noninterest expense to average assets | 4.3369% | 528 |
| Loan and lease loss provision to assets | 0.1272% | 2,063 |
| Net operating income to assets | 1.4928% | 891 |
| Return on assets (ROA) | 1.5363% | 846 |
| Pretax return on assets | 1.5363% | 1,421 |
| Return on Equity (ROE) | 15.9965% | 622 |
| Retained earnings to average equity (ytd only) | 9.6241% | 578 |
| Net charge-offs to loans | 0.1151% | 2,882 |
| Credit loss provision to net charge-offs | 181.8707% | 1,335 |
| Earnings coverage of net charge-offs (x) | 23.1628% | 1,601 |
| Efficiency ratio | 71.6921% | 3,255 |
| Assets per employee ($millions) | 3.2716% | 5,312 |
| Cash dividends to net income (ytd only)* | 39.8360% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,604 |
| Loan loss allowance to noncurrent loans | 109.5417% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 2,488 |
| Noncurrent loans to loans | 1.1583% | 2,521 |
| Net loans and leases to total assets | 61.5241% | 3,566 |
| Net loans and leases to deposits | 76.0720% | 3,189 |
| Net loans and leases to core deposits | 85.3199% | 2,748 |
| Total domestic deposits to total assets | 80.8761% | 4,775 |
| Equity capital to assets | 10.0778% | 4,009 |
| Core capital (leverage) ratio | 9.0525% | 4,903 |
| Tier 1 risk-based capital ratio | 13.7316% | 4,278 |
| Total risk-based capital ratio | 14.9827% | 4,215 |
| Memoranda: | ||
| Average total assets | $2,476,408,600 | 306 |
| Average earning assets | $2,242,704,800 | 305 |
| Average equity | $237,840,000 | 349 |
| Average total loans | $1,504,342,000 | 331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 3,345 |
| Cost of funding earning assets | 0.3976% | 3,816 |
| Net interest margin | 3.7100% | 2,988 |
| Noninterest income to average assets | 2.6048% | 228 |
| Noninterest expense to average assets | 4.4188% | 499 |
| Loan and lease loss provision to assets | 0.1383% | 1,806 |
| Net operating income to assets | 1.4043% | 1,124 |
| Return on assets (ROA) | 1.4627% | 1,043 |
| Pretax return on assets | 1.4627% | 1,767 |
| Return on Equity (ROE) | 15.4268% | 754 |
| Retained earnings to average equity (ytd only) | 6.7610% | 1,950 |
| Net charge-offs to loans | 0.1223% | 2,592 |
| Credit loss provision to net charge-offs | 187.3622% | 1,340 |
| Earnings coverage of net charge-offs (x) | 20.9045% | 1,703 |
| Efficiency ratio | 73.0458% | 2,983 |
| Assets per employee ($millions) | 3.2157% | 5,395 |
| Cash dividends to net income (ytd only)* | 56.1733% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 3,752 |
| Loan loss allowance to noncurrent loans | 108.7213% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 1,882 |
| Noncurrent loans to loans | 1.1778% | 2,708 |
| Net loans and leases to total assets | 60.8375% | 3,651 |
| Net loans and leases to deposits | 75.0368% | 3,307 |
| Net loans and leases to core deposits | 84.2442% | 2,856 |
| Total domestic deposits to total assets | 81.0770% | 4,801 |
| Equity capital to assets | 9.5871% | 4,683 |
| Core capital (leverage) ratio | 8.6773% | 5,470 |
| Tier 1 risk-based capital ratio | 13.0632% | 4,829 |
| Total risk-based capital ratio | 14.3151% | 4,750 |
| Memoranda: | ||
| Average total assets | $2,459,194,000 | 305 |
| Average earning assets | $2,224,899,500 | 300 |
| Average equity | $233,173,250 | 350 |
| Average total loans | $1,483,908,250 | 330 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 3,566 |
| Cost of funding earning assets | 0.3989% | 3,878 |
| Net interest margin | 3.6470% | 3,159 |
| Noninterest income to average assets | 2.4516% | 246 |
| Noninterest expense to average assets | 4.3303% | 530 |
| Loan and lease loss provision to assets | 0.1066% | 2,234 |
| Net operating income to assets | 1.3150% | 1,266 |
| Return on assets (ROA) | 1.3150% | 1,316 |
| Pretax return on assets | 1.3150% | 2,200 |
| Return on Equity (ROE) | 13.9226% | 970 |
| Retained earnings to average equity (ytd only) | 2.9679% | 4,317 |
| Net charge-offs to loans | 0.2040% | 1,806 |
| Credit loss provision to net charge-offs | 87.2483% | 2,226 |
| Earnings coverage of net charge-offs (x) | 11.6336% | 2,141 |
| Efficiency ratio | 74.2429% | 2,932 |
| Assets per employee ($millions) | 3.1528% | 5,503 |
| Cash dividends to net income (ytd only)* | 78.6828% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,267 |
| Loan loss allowance to noncurrent loans | 63.1915% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 1,650 |
| Noncurrent loans to loans | 1.9481% | 1,739 |
| Net loans and leases to total assets | 59.3464% | 3,812 |
| Net loans and leases to deposits | 71.3702% | 3,653 |
| Net loans and leases to core deposits | 80.1620% | 3,191 |
| Total domestic deposits to total assets | 83.1529% | 4,245 |
| Equity capital to assets | 9.3281% | 4,953 |
| Core capital (leverage) ratio | 8.4950% | 5,640 |
| Tier 1 risk-based capital ratio | 13.0475% | 4,878 |
| Total risk-based capital ratio | 14.2619% | 4,836 |
| Memoranda: | ||
| Average total assets | $2,438,554,330 | 306 |
| Average earning assets | $2,206,757,670 | 304 |
| Average equity | $230,330,330 | 350 |
| Average total loans | $1,460,651,330 | 326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,586 |
| Cost of funding earning assets | 0.4003% | 3,966 |
| Net interest margin | 3.6252% | 3,160 |
| Noninterest income to average assets | 2.0708% | 320 |
| Noninterest expense to average assets | 4.0320% | 729 |
| Loan and lease loss provision to assets | 0.0997% | 2,263 |
| Net operating income to assets | 1.2210% | 1,420 |
| Return on assets (ROA) | 1.2210% | 1,475 |
| Pretax return on assets | 1.2210% | 2,385 |
| Return on Equity (ROE) | 12.8443% | 1,196 |
| Retained earnings to average equity (ytd only) | 5.3511% | 2,888 |
| Net charge-offs to loans | 0.0884% | 2,278 |
| Credit loss provision to net charge-offs | 188.6792% | 1,090 |
| Earnings coverage of net charge-offs (x) | 24.9843% | 1,167 |
| Efficiency ratio | 74.1917% | 3,098 |
| Assets per employee ($millions) | 3.2413% | 5,460 |
| Cash dividends to net income (ytd only)* | 58.3390% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,061 |
| Loan loss allowance to noncurrent loans | 63.6190% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.0819% | 1,617 |
| Noncurrent loans to loans | 2.0624% | 1,797 |
| Net loans and leases to total assets | 58.6735% | 3,742 |
| Net loans and leases to deposits | 71.1266% | 3,455 |
| Net loans and leases to core deposits | 79.9371% | 2,977 |
| Total domestic deposits to total assets | 82.4917% | 4,787 |
| Equity capital to assets | 9.5147% | 4,482 |
| Core capital (leverage) ratio | 8.9549% | 5,081 |
| Tier 1 risk-based capital ratio | 13.9129% | 4,381 |
| Total risk-based capital ratio | 15.1661% | 4,325 |
| Memoranda: | ||
| Average total assets | $2,406,171,500 | 308 |
| Average earning assets | $2,178,299,500 | 308 |
| Average equity | $228,739,000 | 351 |
| Average total loans | $1,438,903,500 | 329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 3,724 |
| Cost of funding earning assets | 0.4288% | 4,329 |
| Net interest margin | 3.6755% | 3,150 |
| Noninterest income to average assets | 2.7258% | 250 |
| Noninterest expense to average assets | 4.2727% | 647 |
| Loan and lease loss provision to assets | 0.0348% | 4,426 |
| Net operating income to assets | 1.7332% | 552 |
| Return on assets (ROA) | 1.7415% | 553 |
| Pretax return on assets | 1.7415% | 871 |
| Return on Equity (ROE) | 18.2840% | 387 |
| Retained earnings to average equity (ytd only) | 6.9089% | 1,471 |
| Net charge-offs to loans | 0.1886% | 2,952 |
| Credit loss provision to net charge-offs | 30.3260% | 4,242 |
| Earnings coverage of net charge-offs (x) | 15.4049% | 1,870 |
| Efficiency ratio | 69.6815% | 3,884 |
| Assets per employee ($millions) | 3.2051% | 5,479 |
| Cash dividends to net income (ytd only)* | 62.2133% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,105 |
| Loan loss allowance to noncurrent loans | 67.3132% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.0729% | 1,729 |
| Noncurrent loans to loans | 1.9426% | 2,055 |
| Net loans and leases to total assets | 59.3690% | 3,814 |
| Net loans and leases to deposits | 74.0270% | 3,247 |
| Net loans and leases to core deposits | 84.7233% | 2,586 |
| Total domestic deposits to total assets | 80.1991% | 5,400 |
| Equity capital to assets | 9.4978% | 4,428 |
| Core capital (leverage) ratio | 9.0787% | 4,890 |
| Tier 1 risk-based capital ratio | 13.8548% | 4,396 |
| Total risk-based capital ratio | 15.1077% | 4,334 |
| Memoranda: | ||
| Average total assets | $2,298,571,200 | 314 |
| Average earning assets | $2,073,045,200 | 313 |
| Average equity | $218,934,600 | 350 |
| Average total loans | $1,398,648,600 | 327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,713 |
| Cost of funding earning assets | 0.4332% | 4,474 |
| Net interest margin | 3.6779% | 3,118 |
| Noninterest income to average assets | 3.0262% | 235 |
| Noninterest expense to average assets | 4.4262% | 561 |
| Loan and lease loss provision to assets | 0.0293% | 4,421 |
| Net operating income to assets | 1.8857% | 448 |
| Return on assets (ROA) | 1.8970% | 448 |
| Pretax return on assets | 1.8970% | 717 |
| Return on Equity (ROE) | 19.9013% | 304 |
| Retained earnings to average equity (ytd only) | 4.7519% | 3,267 |
| Net charge-offs to loans | 0.2539% | 2,294 |
| Credit loss provision to net charge-offs | 18.8822% | 4,089 |
| Earnings coverage of net charge-offs (x) | 12.3595% | 2,141 |
| Efficiency ratio | 68.7914% | 3,948 |
| Assets per employee ($millions) | 3.1437% | 5,596 |
| Cash dividends to net income (ytd only)* | 76.1228% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,297 |
| Loan loss allowance to noncurrent loans | 72.5623% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.2609% | 1,756 |
| Noncurrent loans to loans | 1.8161% | 2,477 |
| Net loans and leases to total assets | 60.0267% | 3,688 |
| Net loans and leases to deposits | 73.9181% | 3,243 |
| Net loans and leases to core deposits | 84.1114% | 2,638 |
| Total domestic deposits to total assets | 81.2070% | 5,167 |
| Equity capital to assets | 9.4121% | 4,658 |
| Core capital (leverage) ratio | 8.8530% | 5,320 |
| Tier 1 risk-based capital ratio | 13.5789% | 4,707 |
| Total risk-based capital ratio | 14.8302% | 4,666 |
| Memoranda: | ||
| Average total assets | $2,278,674,750 | 319 |
| Average earning assets | $2,053,852,000 | 316 |
| Average equity | $217,200,250 | 353 |
| Average total loans | $1,390,662,000 | 329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,852 |
| Cost of funding earning assets | 0.4421% | 4,519 |
| Net interest margin | 3.6253% | 3,259 |
| Noninterest income to average assets | 3.1410% | 237 |
| Noninterest expense to average assets | 4.3877% | 580 |
| Loan and lease loss provision to assets | 0.0176% | 4,548 |
| Net operating income to assets | 2.0053% | 354 |
| Return on assets (ROA) | 2.0053% | 378 |
| Pretax return on assets | 2.0053% | 602 |
| Return on Equity (ROE) | 20.9494% | 253 |
| Retained earnings to average equity (ytd only) | 2.1903% | 4,883 |
| Net charge-offs to loans | 0.1810% | 2,671 |
| Credit loss provision to net charge-offs | 15.9109% | 3,815 |
| Earnings coverage of net charge-offs (x) | 18.2920% | 1,563 |
| Efficiency ratio | 67.4425% | 4,275 |
| Assets per employee ($millions) | 3.1524% | 5,580 |
| Cash dividends to net income (ytd only)* | 89.5450% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,125 |
| Loan loss allowance to noncurrent loans | 70.5284% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.4812% | 1,711 |
| Noncurrent loans to loans | 1.9577% | 2,446 |
| Net loans and leases to total assets | 60.8153% | 3,517 |
| Net loans and leases to deposits | 72.7912% | 3,337 |
| Net loans and leases to core deposits | 82.3065% | 2,768 |
| Total domestic deposits to total assets | 83.5477% | 4,495 |
| Equity capital to assets | 9.3065% | 4,849 |
| Core capital (leverage) ratio | 8.6404% | 5,500 |
| Tier 1 risk-based capital ratio | 13.3369% | 4,890 |
| Total risk-based capital ratio | 14.5894% | 4,836 |
| Memoranda: | ||
| Average total assets | $2,273,260,330 | 321 |
| Average earning assets | $2,050,177,000 | 318 |
| Average equity | $217,600,000 | 353 |
| Average total loans | $1,388,896,330 | 329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,907 |
| Cost of funding earning assets | 0.4537% | 4,552 |
| Net interest margin | 3.5996% | 3,268 |
| Noninterest income to average assets | 2.9377% | 259 |
| Noninterest expense to average assets | 4.3417% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8417% | 444 |
| Return on assets (ROA) | 1.8417% | 490 |
| Pretax return on assets | 1.8417% | 816 |
| Return on Equity (ROE) | 18.9736% | 359 |
| Retained earnings to average equity (ytd only) | 5.8098% | 2,774 |
| Net charge-offs to loans | 0.0496% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 586 |
| Efficiency ratio | 69.1737% | 4,120 |
| Assets per employee ($millions) | 3.3993% | 5,203 |
| Cash dividends to net income (ytd only)* | 69.3797% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,001 |
| Loan loss allowance to noncurrent loans | 67.5609% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 1,785 |
| Noncurrent loans to loans | 2.1526% | 2,443 |
| Net loans and leases to total assets | 60.1662% | 3,400 |
| Net loans and leases to deposits | 73.6763% | 2,962 |
| Net loans and leases to core deposits | 84.9361% | 2,221 |
| Total domestic deposits to total assets | 81.6630% | 5,307 |
| Equity capital to assets | 9.6201% | 4,680 |
| Core capital (leverage) ratio | 8.8470% | 5,125 |
| Tier 1 risk-based capital ratio | 13.4280% | 4,922 |
| Total risk-based capital ratio | 14.6805% | 4,873 |
| Memoranda: | ||
| Average total assets | $2,265,577,000 | 326 |
| Average earning assets | $2,042,771,000 | 322 |
| Average equity | $219,905,000 | 356 |
| Average total loans | $1,377,683,000 | 331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 3,726 |
| Cost of funding earning assets | 0.5524% | 4,797 |
| Net interest margin | 3.8690% | 2,948 |
| Noninterest income to average assets | 2.4270% | 330 |
| Noninterest expense to average assets | 4.1143% | 846 |
| Loan and lease loss provision to assets | 0.2178% | 2,957 |
| Net operating income to assets | 1.5521% | 829 |
| Return on assets (ROA) | 1.5524% | 907 |
| Pretax return on assets | 1.5524% | 1,510 |
| Return on Equity (ROE) | 15.7711% | 690 |
| Retained earnings to average equity (ytd only) | 7.9239% | 1,149 |
| Net charge-offs to loans | 0.3099% | 3,094 |
| Credit loss provision to net charge-offs | 113.6913% | 2,557 |
| Earnings coverage of net charge-offs (x) | 9.2385% | 2,285 |
| Efficiency ratio | 68.7723% | 4,006 |
| Assets per employee ($millions) | 3.3685% | 5,290 |
| Cash dividends to net income (ytd only)* | 49.7567% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,523 |
| Loan loss allowance to noncurrent loans | 68.1262% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.7595% | 1,742 |
| Noncurrent loans to loans | 2.2746% | 2,379 |
| Net loans and leases to total assets | 59.6199% | 3,671 |
| Net loans and leases to deposits | 72.4397% | 3,340 |
| Net loans and leases to core deposits | 83.4233% | 2,616 |
| Total domestic deposits to total assets | 82.3027% | 4,994 |
| Equity capital to assets | 9.7949% | 4,457 |
| Core capital (leverage) ratio | 8.9678% | 4,953 |
| Tier 1 risk-based capital ratio | 13.4306% | 4,805 |
| Total risk-based capital ratio | 14.6832% | 4,754 |
| Memoranda: | ||
| Average total assets | $2,157,912,600 | 333 |
| Average earning assets | $1,928,209,600 | 334 |
| Average equity | $212,407,400 | 355 |
| Average total loans | $1,333,893,000 | 330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 3,721 |
| Cost of funding earning assets | 0.5739% | 4,879 |
| Net interest margin | 3.9051% | 2,898 |
| Noninterest income to average assets | 2.3972% | 323 |
| Noninterest expense to average assets | 4.1264% | 798 |
| Loan and lease loss provision to assets | 0.2806% | 2,323 |
| Net operating income to assets | 1.4748% | 1,068 |
| Return on assets (ROA) | 1.4753% | 1,183 |
| Pretax return on assets | 1.4753% | 1,981 |
| Return on Equity (ROE) | 14.9685% | 908 |
| Retained earnings to average equity (ytd only) | 7.9591% | 1,631 |
| Net charge-offs to loans | 0.2835% | 3,025 |
| Credit loss provision to net charge-offs | 159.2920% | 1,757 |
| Earnings coverage of net charge-offs (x) | 9.9653% | 2,248 |
| Efficiency ratio | 68.9954% | 3,878 |
| Assets per employee ($millions) | 3.4070% | 5,191 |
| Cash dividends to net income (ytd only)* | 46.8279% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,353 |
| Loan loss allowance to noncurrent loans | 69.1081% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 3.0767% | 1,691 |
| Noncurrent loans to loans | 2.3792% | 2,425 |
| Net loans and leases to total assets | 60.6249% | 3,651 |
| Net loans and leases to deposits | 73.8588% | 3,301 |
| Net loans and leases to core deposits | 84.5379% | 2,637 |
| Total domestic deposits to total assets | 82.0821% | 4,992 |
| Equity capital to assets | 10.0386% | 4,436 |
| Core capital (leverage) ratio | 8.9175% | 5,167 |
| Tier 1 risk-based capital ratio | 13.4574% | 4,904 |
| Total risk-based capital ratio | 14.7113% | 4,863 |
| Memoranda: | ||
| Average total assets | $2,138,226,500 | 335 |
| Average earning assets | $1,908,024,250 | 335 |
| Average equity | $210,739,750 | 357 |
| Average total loans | $1,328,746,000 | 334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 3,587 |
| Cost of funding earning assets | 0.5914% | 4,974 |
| Net interest margin | 3.9531% | 2,710 |
| Noninterest income to average assets | 2.1580% | 360 |
| Noninterest expense to average assets | 4.0469% | 889 |
| Loan and lease loss provision to assets | 0.2825% | 2,317 |
| Net operating income to assets | 1.3539% | 1,303 |
| Return on assets (ROA) | 1.3545% | 1,454 |
| Pretax return on assets | 1.3545% | 2,375 |
| Return on Equity (ROE) | 13.8311% | 1,161 |
| Retained earnings to average equity (ytd only) | 7.9337% | 1,664 |
| Net charge-offs to loans | 0.2112% | 3,301 |
| Credit loss provision to net charge-offs | 214.5923% | 1,317 |
| Earnings coverage of net charge-offs (x) | 12.4313% | 1,878 |
| Efficiency ratio | 69.9983% | 3,764 |
| Assets per employee ($millions) | 3.3581% | 5,310 |
| Cash dividends to net income (ytd only)* | 42.6387% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 3,304 |
| Loan loss allowance to noncurrent loans | 60.8964% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 3.1361% | 1,737 |
| Noncurrent loans to loans | 2.7621% | 2,177 |
| Net loans and leases to total assets | 59.5303% | 3,907 |
| Net loans and leases to deposits | 71.8624% | 3,635 |
| Net loans and leases to core deposits | 81.4436% | 3,030 |
| Total domestic deposits to total assets | 82.8393% | 4,812 |
| Equity capital to assets | 9.8418% | 4,556 |
| Core capital (leverage) ratio | 8.7362% | 5,318 |
| Tier 1 risk-based capital ratio | 13.2178% | 5,019 |
| Total risk-based capital ratio | 14.4718% | 4,997 |
| Memoranda: | ||
| Average total assets | $2,124,148,330 | 340 |
| Average earning assets | $1,894,227,000 | 339 |
| Average equity | $208,024,000 | 356 |
| Average total loans | $1,323,661,330 | 335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 3,657 |
| Cost of funding earning assets | 0.6032% | 5,098 |
| Net interest margin | 3.9618% | 2,663 |
| Noninterest income to average assets | 1.9925% | 414 |
| Noninterest expense to average assets | 3.9897% | 950 |
| Loan and lease loss provision to assets | 0.2850% | 2,184 |
| Net operating income to assets | 1.2622% | 1,563 |
| Return on assets (ROA) | 1.2635% | 1,731 |
| Pretax return on assets | 1.2635% | 2,680 |
| Return on Equity (ROE) | 12.9348% | 1,421 |
| Retained earnings to average equity (ytd only) | 8.8690% | 1,634 |
| Net charge-offs to loans | 0.0195% | 4,419 |
| Credit loss provision to net charge-offs | 2,307.6923% | 136 |
| Earnings coverage of net charge-offs (x) | 125.2615% | 283 |
| Efficiency ratio | 70.8034% | 3,655 |
| Assets per employee ($millions) | 3.4122% | 5,318 |
| Cash dividends to net income (ytd only)* | 31.4333% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,573 |
| Loan loss allowance to noncurrent loans | 62.2150% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 3.2434% | 1,780 |
| Noncurrent loans to loans | 2.6383% | 2,465 |
| Net loans and leases to total assets | 60.9296% | 3,460 |
| Net loans and leases to deposits | 73.8223% | 3,137 |
| Net loans and leases to core deposits | 86.3105% | 2,255 |
| Total domestic deposits to total assets | 82.5356% | 5,111 |
| Equity capital to assets | 9.6688% | 4,564 |
| Core capital (leverage) ratio | 8.7926% | 5,139 |
| Tier 1 risk-based capital ratio | 12.8604% | 5,313 |
| Total risk-based capital ratio | 14.1142% | 5,293 |
| Memoranda: | ||
| Average total assets | $2,104,920,500 | 338 |
| Average earning assets | $1,883,180,500 | 340 |
| Average equity | $205,616,000 | 355 |
| Average total loans | $1,330,777,000 | 330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 2,722 |
| Cost of funding earning assets | 0.7647% | 5,101 |
| Net interest margin | 4.2730% | 1,794 |
| Noninterest income to average assets | 1.4998% | 582 |
| Noninterest expense to average assets | 3.9012% | 1,180 |
| Loan and lease loss provision to assets | 0.4276% | 2,455 |
| Net operating income to assets | 0.9545% | 2,389 |
| Return on assets (ROA) | 0.9679% | 2,461 |
| Pretax return on assets | 0.9679% | 3,355 |
| Return on Equity (ROE) | 10.1139% | 2,025 |
| Retained earnings to average equity (ytd only) | 4.5763% | 2,920 |
| Net charge-offs to loans | 0.8042% | 2,149 |
| Credit loss provision to net charge-offs | 79.1734% | 4,493 |
| Earnings coverage of net charge-offs (x) | 2.5589% | 3,935 |
| Efficiency ratio | 72.5062% | 3,477 |
| Assets per employee ($millions) | 3.2910% | 5,527 |
| Cash dividends to net income (ytd only)* | 54.7524% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,847 |
| Loan loss allowance to noncurrent loans | 75.9473% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 3.1230% | 1,910 |
| Noncurrent loans to loans | 2.0220% | 3,176 |
| Net loans and leases to total assets | 63.5621% | 3,278 |
| Net loans and leases to deposits | 76.9093% | 3,019 |
| Net loans and leases to core deposits | 89.2578% | 2,227 |
| Total domestic deposits to total assets | 82.6455% | 4,901 |
| Equity capital to assets | 9.8722% | 4,340 |
| Core capital (leverage) ratio | 8.7852% | 5,124 |
| Tier 1 risk-based capital ratio | 12.5362% | 5,415 |
| Total risk-based capital ratio | 13.7887% | 5,406 |
| Memoranda: | ||
| Average total assets | $2,069,543,400 | 334 |
| Average earning assets | $1,832,470,200 | 339 |
| Average equity | $198,064,400 | 354 |
| Average total loans | $1,389,983,200 | 320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 2,477 |
| Cost of funding earning assets | 0.8064% | 5,108 |
| Net interest margin | 4.3222% | 1,631 |
| Noninterest income to average assets | 1.4526% | 618 |
| Noninterest expense to average assets | 4.0183% | 987 |
| Loan and lease loss provision to assets | 0.4569% | 2,173 |
| Net operating income to assets | 0.7991% | 3,168 |
| Return on assets (ROA) | 0.7991% | 3,329 |
| Pretax return on assets | 0.7991% | 4,129 |
| Return on Equity (ROE) | 8.4152% | 2,865 |
| Retained earnings to average equity (ytd only) | 3.4584% | 4,277 |
| Net charge-offs to loans | 0.9339% | 1,725 |
| Credit loss provision to net charge-offs | 72.1471% | 4,413 |
| Earnings coverage of net charge-offs (x) | 1.9832% | 4,163 |
| Efficiency ratio | 74.8524% | 3,030 |
| Assets per employee ($millions) | 3.3111% | 5,462 |
| Cash dividends to net income (ytd only)* | 58.9031% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 4,008 |
| Loan loss allowance to noncurrent loans | 69.5009% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3907% | 1,871 |
| Noncurrent loans to loans | 2.1872% | 3,130 |
| Net loans and leases to total assets | 63.8687% | 3,337 |
| Net loans and leases to deposits | 77.9510% | 3,008 |
| Net loans and leases to core deposits | 90.5336% | 2,183 |
| Total domestic deposits to total assets | 81.9345% | 5,116 |
| Equity capital to assets | 9.9012% | 4,477 |
| Core capital (leverage) ratio | 8.4298% | 5,808 |
| Tier 1 risk-based capital ratio | 12.8123% | 5,237 |
| Total risk-based capital ratio | 14.0653% | 5,222 |
| Memoranda: | ||
| Average total assets | $2,071,890,500 | 332 |
| Average earning assets | $1,831,983,750 | 341 |
| Average equity | $196,734,750 | 361 |
| Average total loans | $1,405,004,000 | 317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 2,696 |
| Cost of funding earning assets | 0.8483% | 5,077 |
| Net interest margin | 4.2489% | 1,851 |
| Noninterest income to average assets | 1.4650% | 595 |
| Noninterest expense to average assets | 3.9878% | 1,072 |
| Loan and lease loss provision to assets | 0.4554% | 2,145 |
| Net operating income to assets | 0.7765% | 3,168 |
| Return on assets (ROA) | 0.7765% | 3,302 |
| Pretax return on assets | 0.7765% | 4,113 |
| Return on Equity (ROE) | 8.2928% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.0877% | 1,840 |
| Net charge-offs to loans | 1.1581% | 1,345 |
| Credit loss provision to net charge-offs | 57.1807% | 4,409 |
| Earnings coverage of net charge-offs (x) | 1.5468% | 4,131 |
| Efficiency ratio | 75.0574% | 3,169 |
| Assets per employee ($millions) | 3.3080% | 5,406 |
| Cash dividends to net income (ytd only)* | 14.5327% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,567 |
| Loan loss allowance to noncurrent loans | 94.7899% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 3.4450% | 1,912 |
| Noncurrent loans to loans | 1.4771% | 4,207 |
| Net loans and leases to total assets | 65.6902% | 3,093 |
| Net loans and leases to deposits | 81.2036% | 2,578 |
| Net loans and leases to core deposits | 94.2305% | 1,868 |
| Total domestic deposits to total assets | 80.8957% | 5,560 |
| Equity capital to assets | 9.7375% | 4,486 |
| Core capital (leverage) ratio | 8.2794% | 5,904 |
| Tier 1 risk-based capital ratio | 12.3119% | 5,510 |
| Total risk-based capital ratio | 13.5633% | 5,487 |
| Memoranda: | ||
| Average total assets | $2,085,958,000 | 336 |
| Average earning assets | $1,843,352,000 | 342 |
| Average equity | $195,325,330 | 364 |
| Average total loans | $1,434,556,670 | 318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 2,743 |
| Cost of funding earning assets | 0.8877% | 5,013 |
| Net interest margin | 4.1890% | 1,926 |
| Noninterest income to average assets | 1.7475% | 449 |
| Noninterest expense to average assets | 3.9891% | 1,050 |
| Loan and lease loss provision to assets | 0.6666% | 1,283 |
| Net operating income to assets | 0.7940% | 3,063 |
| Return on assets (ROA) | 0.7940% | 3,133 |
| Pretax return on assets | 0.7940% | 3,924 |
| Return on Equity (ROE) | 8.6490% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.2445% | 2,046 |
| Net charge-offs to loans | 0.0488% | 4,449 |
| Credit loss provision to net charge-offs | 1,955.3073% | 206 |
| Earnings coverage of net charge-offs (x) | 42.8436% | 653 |
| Efficiency ratio | 71.9219% | 3,885 |
| Assets per employee ($millions) | 3.4736% | 5,056 |
| Cash dividends to net income (ytd only)* | 16.2389% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,977 |
| Loan loss allowance to noncurrent loans | 69.9807% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 4.2987% | 1,522 |
| Noncurrent loans to loans | 2.5875% | 2,909 |
| Net loans and leases to total assets | 66.0706% | 2,986 |
| Net loans and leases to deposits | 80.8472% | 2,549 |
| Net loans and leases to core deposits | 95.3534% | 1,734 |
| Total domestic deposits to total assets | 81.7229% | 5,417 |
| Equity capital to assets | 9.0830% | 5,077 |
| Core capital (leverage) ratio | 8.1804% | 5,996 |
| Tier 1 risk-based capital ratio | 11.5198% | 6,088 |
| Total risk-based capital ratio | 12.7763% | 6,062 |
| Memoranda: | ||
| Average total assets | $2,100,138,500 | 336 |
| Average earning assets | $1,856,104,000 | 339 |
| Average equity | $192,808,500 | 365 |
| Average total loans | $1,466,418,000 | 313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4504% | 2,475 |
| Cost of funding earning assets | 1.0556% | 5,392 |
| Net interest margin | 4.3947% | 1,488 |
| Noninterest income to average assets | 1.8598% | 450 |
| Noninterest expense to average assets | 3.7566% | 1,574 |
| Loan and lease loss provision to assets | 1.0369% | 1,558 |
| Net operating income to assets | 0.9550% | 2,190 |
| Return on assets (ROA) | 0.9550% | 2,312 |
| Pretax return on assets | 0.9551% | 3,085 |
| Return on Equity (ROE) | 10.7047% | 1,686 |
| Retained earnings to average equity (ytd only) | 5.3164% | 2,238 |
| Net charge-offs to loans | 1.1116% | 2,003 |
| Credit loss provision to net charge-offs | 131.3590% | 3,009 |
| Earnings coverage of net charge-offs (x) | 2.5235% | 3,849 |
| Efficiency ratio | 64.1515% | 5,326 |
| Assets per employee ($millions) | 3.2811% | 5,472 |
| Cash dividends to net income (ytd only)* | 50.3356% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,882 |
| Loan loss allowance to noncurrent loans | 48.7090% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 4.7366% | 1,386 |
| Noncurrent loans to loans | 3.1284% | 2,439 |
| Net loans and leases to total assets | 71.3539% | 2,226 |
| Net loans and leases to deposits | 84.9116% | 2,296 |
| Net loans and leases to core deposits | 100.6227% | 1,567 |
| Total domestic deposits to total assets | 84.0332% | 4,347 |
| Equity capital to assets | 9.2823% | 4,707 |
| Core capital (leverage) ratio | 8.1170% | 5,982 |
| Tier 1 risk-based capital ratio | 10.9275% | 6,386 |
| Total risk-based capital ratio | 12.1806% | 6,355 |
| Memoranda: | ||
| Average total assets | $2,121,656,800 | 333 |
| Average earning assets | $1,877,400,800 | 331 |
| Average equity | $189,282,000 | 368 |
| Average total loans | $1,506,662,600 | 312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 2,454 |
| Cost of funding earning assets | 1.0924% | 5,466 |
| Net interest margin | 4.4000% | 1,525 |
| Noninterest income to average assets | 1.6483% | 518 |
| Noninterest expense to average assets | 3.6685% | 1,636 |
| Loan and lease loss provision to assets | 0.9983% | 1,489 |
| Net operating income to assets | 0.8758% | 2,709 |
| Return on assets (ROA) | 0.8758% | 2,843 |
| Pretax return on assets | 0.8759% | 3,641 |
| Return on Equity (ROE) | 9.9136% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,947 |
| Net charge-offs to loans | 1.2511% | 1,629 |
| Credit loss provision to net charge-offs | 112.9146% | 3,728 |
| Earnings coverage of net charge-offs (x) | 2.1199% | 4,136 |
| Efficiency ratio | 64.9541% | 5,061 |
| Assets per employee ($millions) | 3.3967% | 5,215 |
| Cash dividends to net income (ytd only)* | 48.9777% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,065 |
| Loan loss allowance to noncurrent loans | 43.2107% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 4.5932% | 1,472 |
| Noncurrent loans to loans | 2.9617% | 2,693 |
| Net loans and leases to total assets | 71.8438% | 2,287 |
| Net loans and leases to deposits | 86.8027% | 2,185 |
| Net loans and leases to core deposits | 101.7803% | 1,675 |
| Total domestic deposits to total assets | 82.7668% | 4,694 |
| Equity capital to assets | 9.2415% | 5,243 |
| Core capital (leverage) ratio | 7.8522% | 6,516 |
| Tier 1 risk-based capital ratio | 10.5178% | 6,765 |
| Total risk-based capital ratio | 11.7660% | 6,754 |
| Memoranda: | ||
| Average total assets | $2,136,940,750 | 329 |
| Average earning assets | $1,891,373,250 | 329 |
| Average equity | $188,786,750 | 364 |
| Average total loans | $1,510,074,750 | 311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 2,715 |
| Cost of funding earning assets | 1.1373% | 5,474 |
| Net interest margin | 4.3205% | 1,704 |
| Noninterest income to average assets | 1.5592% | 527 |
| Noninterest expense to average assets | 3.5740% | 1,843 |
| Loan and lease loss provision to assets | 0.9734% | 1,492 |
| Net operating income to assets | 0.8411% | 2,774 |
| Return on assets (ROA) | 0.8411% | 2,929 |
| Pretax return on assets | 0.8413% | 3,737 |
| Return on Equity (ROE) | 9.6633% | 2,227 |
| Retained earnings to average equity (ytd only) | 8.1413% | 1,397 |
| Net charge-offs to loans | 1.3559% | 1,404 |
| Credit loss provision to net charge-offs | 102.5691% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.9122% | 4,088 |
| Efficiency ratio | 65.0691% | 5,137 |
| Assets per employee ($millions) | 3.5511% | 4,796 |
| Cash dividends to net income (ytd only)* | 15.7500% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,579 |
| Loan loss allowance to noncurrent loans | 53.4694% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 4.7449% | 1,366 |
| Noncurrent loans to loans | 2.1957% | 3,487 |
| Net loans and leases to total assets | 69.5942% | 2,997 |
| Net loans and leases to deposits | 83.3847% | 2,996 |
| Net loans and leases to core deposits | 97.2336% | 2,307 |
| Total domestic deposits to total assets | 83.4617% | 4,362 |
| Equity capital to assets | 8.9614% | 5,505 |
| Core capital (leverage) ratio | 7.7259% | 6,581 |
| Tier 1 risk-based capital ratio | 10.2070% | 6,906 |
| Total risk-based capital ratio | 11.3187% | 6,965 |
| Memoranda: | ||
| Average total assets | $2,157,460,330 | 323 |
| Average earning assets | $1,912,241,670 | 327 |
| Average equity | $187,783,330 | 365 |
| Average total loans | $1,509,978,670 | 314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 2,514 |
| Cost of funding earning assets | 1.1853% | 5,481 |
| Net interest margin | 4.3305% | 1,592 |
| Noninterest income to average assets | 1.4426% | 576 |
| Noninterest expense to average assets | 3.4772% | 2,044 |
| Loan and lease loss provision to assets | 1.0176% | 1,224 |
| Net operating income to assets | 0.8004% | 2,959 |
| Return on assets (ROA) | 0.8004% | 3,064 |
| Pretax return on assets | 0.8007% | 3,859 |
| Return on Equity (ROE) | 9.3328% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.8161% | 1,784 |
| Net charge-offs to loans | 1.6077% | 1,085 |
| Credit loss provision to net charge-offs | 90.7142% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.6210% | 3,760 |
| Efficiency ratio | 64.3875% | 5,412 |
| Assets per employee ($millions) | 3.7116% | 4,549 |
| Cash dividends to net income (ytd only)* | 16.2506% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,829 |
| Loan loss allowance to noncurrent loans | 49.9602% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.6417% | 1,924 |
| Noncurrent loans to loans | 2.2772% | 3,421 |
| Net loans and leases to total assets | 68.9595% | 3,166 |
| Net loans and leases to deposits | 80.8237% | 3,490 |
| Net loans and leases to core deposits | 93.3690% | 2,924 |
| Total domestic deposits to total assets | 85.3209% | 3,497 |
| Equity capital to assets | 8.8063% | 5,543 |
| Core capital (leverage) ratio | 7.5232% | 6,832 |
| Tier 1 risk-based capital ratio | 9.8861% | 7,104 |
| Total risk-based capital ratio | 10.9410% | 7,205 |
| Memoranda: | ||
| Average total assets | $2,161,983,500 | 327 |
| Average earning assets | $1,923,575,000 | 330 |
| Average equity | $185,411,000 | 375 |
| Average total loans | $1,508,501,000 | 324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 2,985 |
| Cost of funding earning assets | 1.5487% | 5,291 |
| Net interest margin | 4.1763% | 2,150 |
| Noninterest income to average assets | 1.4142% | 730 |
| Noninterest expense to average assets | 3.3355% | 2,888 |
| Loan and lease loss provision to assets | 0.5846% | 3,455 |
| Net operating income to assets | 1.1925% | 1,263 |
| Return on assets (ROA) | 1.1809% | 1,343 |
| Pretax return on assets | 1.1657% | 2,051 |
| Return on Equity (ROE) | 12.6228% | 1,035 |
| Retained earnings to average equity (ytd only) | -6.7786% | 6,218 |
| Net charge-offs to loans | 0.8032% | 2,820 |
| Credit loss provision to net charge-offs | 100.1308% | 5,507 |
| Earnings coverage of net charge-offs (x) | 3.0177% | 3,567 |
| Efficiency ratio | 63.5968% | 5,848 |
| Assets per employee ($millions) | 3.8083% | 4,271 |
| Cash dividends to net income (ytd only)* | 153.7016% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,665 |
| Loan loss allowance to noncurrent loans | 32.0342% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 4.1553% | 1,575 |
| Noncurrent loans to loans | 3.5742% | 2,119 |
| Net loans and leases to total assets | 68.9952% | 3,491 |
| Net loans and leases to deposits | 80.9305% | 3,812 |
| Net loans and leases to core deposits | 111.2271% | 2,767 |
| Total domestic deposits to total assets | 85.2524% | 3,430 |
| Equity capital to assets | 8.3515% | 6,124 |
| Core capital (leverage) ratio | 7.2116% | 7,058 |
| Tier 1 risk-based capital ratio | 9.4846% | 7,243 |
| Total risk-based capital ratio | 10.5595% | 7,316 |
| Memoranda: | ||
| Average total assets | $2,095,463,000 | 338 |
| Average earning assets | $1,847,983,400 | 345 |
| Average equity | $196,042,000 | 355 |
| Average total loans | $1,523,191,400 | 331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 2,662 |
| Cost of funding earning assets | 1.6131% | 5,343 |
| Net interest margin | 4.2373% | 1,916 |
| Noninterest income to average assets | 1.3459% | 841 |
| Noninterest expense to average assets | 3.2786% | 2,999 |
| Loan and lease loss provision to assets | 0.5631% | 3,138 |
| Net operating income to assets | 1.2412% | 1,368 |
| Return on assets (ROA) | 1.2255% | 1,466 |
| Pretax return on assets | 1.2171% | 2,211 |
| Return on Equity (ROE) | 12.7375% | 1,164 |
| Retained earnings to average equity (ytd only) | 4.0467% | 3,015 |
| Net charge-offs to loans | 0.6401% | 2,760 |
| Credit loss provision to net charge-offs | 119.7646% | 4,242 |
| Earnings coverage of net charge-offs (x) | 3.8199% | 3,377 |
| Efficiency ratio | 62.6116% | 6,000 |
| Assets per employee ($millions) | 3.7721% | 4,252 |
| Cash dividends to net income (ytd only)* | 68.2298% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,757 |
| Loan loss allowance to noncurrent loans | 35.6770% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 6.0277% | 890 |
| Noncurrent loans to loans | 3.5321% | 2,119 |
| Net loans and leases to total assets | 69.7103% | 3,576 |
| Net loans and leases to deposits | 83.5285% | 3,725 |
| Net loans and leases to core deposits | 117.3379% | 2,484 |
| Total domestic deposits to total assets | 83.4569% | 3,985 |
| Equity capital to assets | 9.5413% | 4,693 |
| Core capital (leverage) ratio | 8.3715% | 5,710 |
| Tier 1 risk-based capital ratio | 10.3083% | 6,669 |
| Total risk-based capital ratio | 11.4329% | 6,739 |
| Memoranda: | ||
| Average total assets | $2,071,882,750 | 355 |
| Average earning assets | $1,823,142,250 | 357 |
| Average equity | $199,332,750 | 364 |
| Average total loans | $1,521,903,250 | 345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9210% | 2,492 |
| Cost of funding earning assets | 1.6355% | 5,582 |
| Net interest margin | 4.2855% | 1,688 |
| Noninterest income to average assets | 1.3587% | 827 |
| Noninterest expense to average assets | 3.3002% | 2,961 |
| Loan and lease loss provision to assets | 0.5601% | 2,783 |
| Net operating income to assets | 1.2723% | 1,297 |
| Return on assets (ROA) | 1.2706% | 1,385 |
| Pretax return on assets | 1.2706% | 2,106 |
| Return on Equity (ROE) | 13.1691% | 1,146 |
| Retained earnings to average equity (ytd only) | 3.6171% | 3,287 |
| Net charge-offs to loans | 0.8289% | 2,037 |
| Credit loss provision to net charge-offs | 90.7656% | 4,896 |
| Earnings coverage of net charge-offs (x) | 2.9695% | 3,620 |
| Efficiency ratio | 62.2070% | 6,221 |
| Assets per employee ($millions) | 3.5937% | 4,583 |
| Cash dividends to net income (ytd only)* | 72.5335% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 5,684 |
| Loan loss allowance to noncurrent loans | 39.3636% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 4.7689% | 1,153 |
| Noncurrent loans to loans | 2.7624% | 2,609 |
| Net loans and leases to total assets | 75.1707% | 2,396 |
| Net loans and leases to deposits | 89.7610% | 2,871 |
| Net loans and leases to core deposits | 119.3607% | 2,421 |
| Total domestic deposits to total assets | 83.7454% | 3,897 |
| Equity capital to assets | 9.6601% | 4,413 |
| Core capital (leverage) ratio | 8.3663% | 5,683 |
| Tier 1 risk-based capital ratio | 9.9646% | 6,968 |
| Total risk-based capital ratio | 10.9510% | 7,169 |
| Memoranda: | ||
| Average total assets | $2,053,361,000 | 366 |
| Average earning assets | $1,808,235,330 | 370 |
| Average equity | $198,115,000 | 371 |
| Average total loans | $1,528,545,330 | 356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9271% | 2,661 |
| Cost of funding earning assets | 1.6806% | 5,689 |
| Net interest margin | 4.2465% | 1,759 |
| Noninterest income to average assets | 1.2937% | 850 |
| Noninterest expense to average assets | 3.1530% | 3,179 |
| Loan and lease loss provision to assets | 0.5346% | 2,334 |
| Net operating income to assets | 1.3499% | 1,260 |
| Return on assets (ROA) | 1.3499% | 1,353 |
| Pretax return on assets | 1.3540% | 2,108 |
| Return on Equity (ROE) | 13.9996% | 1,170 |
| Retained earnings to average equity (ytd only) | 10.3304% | 1,110 |
| Net charge-offs to loans | 1.4004% | 1,016 |
| Credit loss provision to net charge-offs | 51.8184% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.8306% | 3,814 |
| Efficiency ratio | 60.3455% | 6,343 |
| Assets per employee ($millions) | 3.7460% | 4,242 |
| Cash dividends to net income (ytd only)* | 26.2097% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,349 |
| Loan loss allowance to noncurrent loans | 45.0189% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 4.1775% | 1,206 |
| Noncurrent loans to loans | 2.1646% | 3,030 |
| Net loans and leases to total assets | 73.0896% | 2,988 |
| Net loans and leases to deposits | 87.5855% | 3,360 |
| Net loans and leases to core deposits | 112.2755% | 3,188 |
| Total domestic deposits to total assets | 83.4495% | 3,930 |
| Equity capital to assets | 9.6923% | 4,397 |
| Core capital (leverage) ratio | 8.5009% | 5,534 |
| Tier 1 risk-based capital ratio | 10.0496% | 6,853 |
| Total risk-based capital ratio | 10.9229% | 7,198 |
| Memoranda: | ||
| Average total assets | $2,057,620,000 | 366 |
| Average earning assets | $1,815,997,500 | 369 |
| Average equity | $198,405,500 | 369 |
| Average total loans | $1,515,807,500 | 359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8019% | 1,668 |
| Cost of funding earning assets | 2.3394% | 4,974 |
| Net interest margin | 4.4625% | 1,506 |
| Noninterest income to average assets | 1.2169% | 1,003 |
| Noninterest expense to average assets | 3.0864% | 3,756 |
| Loan and lease loss provision to assets | 0.4009% | 3,280 |
| Net operating income to assets | 1.7088% | 666 |
| Return on assets (ROA) | 1.7088% | 635 |
| Pretax return on assets | 1.7129% | 1,117 |
| Return on Equity (ROE) | 17.3804% | 586 |
| Retained earnings to average equity (ytd only) | 4.7606% | 2,181 |
| Net charge-offs to loans | 0.4775% | 2,446 |
| Credit loss provision to net charge-offs | 112.5731% | 4,789 |
| Earnings coverage of net charge-offs (x) | 5.9354% | 3,485 |
| Efficiency ratio | 56.9888% | 6,877 |
| Assets per employee ($millions) | 3.6823% | 4,211 |
| Cash dividends to net income (ytd only)* | 72.6095% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 4,810 |
| Loan loss allowance to noncurrent loans | 70.8962% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 3.7020% | 1,168 |
| Noncurrent loans to loans | 1.6441% | 3,306 |
| Net loans and leases to total assets | 72.6677% | 3,444 |
| Net loans and leases to deposits | 86.9815% | 3,951 |
| Net loans and leases to core deposits | 110.6475% | 3,722 |
| Total domestic deposits to total assets | 83.5438% | 3,558 |
| Equity capital to assets | 9.5918% | 4,555 |
| Core capital (leverage) ratio | 8.4500% | 5,654 |
| Tier 1 risk-based capital ratio | 9.6430% | 7,155 |
| Total risk-based capital ratio | 10.6572% | 7,325 |
| Memoranda: | ||
| Average total assets | $1,920,580,800 | 373 |
| Average earning assets | $1,714,348,400 | 380 |
| Average equity | $188,822,200 | 390 |
| Average total loans | $1,432,476,200 | 365 |