Home > Firstrust Savings Bank > Performance and Condition Ratios
Firstrust Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1149% | 553 |
| Cost of funding earning assets | 2.0946% | 790 |
| Net interest margin | 4.0203% | 1,177 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.3726% | 2,659 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.7118% | 719 |
| Return on assets (ROA) | 1.6911% | 710 |
| Pretax return on assets | 1.7837% | 910 |
| Return on Equity (ROE) | 17.9100% | 831 |
| Retained earnings to average equity (ytd only) | 8.6883% | 1,338 |
| Net charge-offs to loans | 0.0777% | 1,088 |
| Credit loss provision to net charge-offs | 420.2859% | 763 |
| Earnings coverage of net charge-offs (x) | 32.9005% | 1,576 |
| Efficiency ratio | 53.4061% | 3,721 |
| Assets per employee ($millions) | 9.2108% | 916 |
| Cash dividends to net income (ytd only)* | 51.4846% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 480 |
| Loan loss allowance to noncurrent loans | 305.4480% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 1,124 |
| Noncurrent loans to loans | 0.6090% | 1,295 |
| Net loans and leases to total assets | 79.3400% | 723 |
| Net loans and leases to deposits | 99.2957% | 575 |
| Net loans and leases to core deposits | 111.4905% | 899 |
| Total domestic deposits to total assets | 79.9000% | 3,479 |
| Equity capital to assets | 10.1182% | 1,938 |
| Core capital (leverage) ratio | 11.2133% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7220% | 1,970 |
| Memoranda: | ||
| Average total assets | $5,226,088,400 | 267 |
| Average earning assets | $5,038,725,000 | 254 |
| Average equity | $493,493,000 | 268 |
| Average total loans | $4,230,528,400 | 229 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 509 |
| Cost of funding earning assets | 2.0048% | 700 |
| Net interest margin | 4.0331% | 1,173 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.2761% | 2,871 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 1.7683% | 704 |
| Return on assets (ROA) | 1.7352% | 738 |
| Pretax return on assets | 1.8280% | 967 |
| Return on Equity (ROE) | 18.7100% | 853 |
| Retained earnings to average equity (ytd only) | 8.9542% | 1,702 |
| Net charge-offs to loans | 0.0807% | 916 |
| Credit loss provision to net charge-offs | 519.6178% | 615 |
| Earnings coverage of net charge-offs (x) | 33.7032% | 1,532 |
| Efficiency ratio | 50.8235% | 3,848 |
| Assets per employee ($millions) | 8.8172% | 996 |
| Cash dividends to net income (ytd only)* | 52.1392% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 530 |
| Loan loss allowance to noncurrent loans | 334.9477% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,275 |
| Noncurrent loans to loans | 0.5491% | 1,453 |
| Net loans and leases to total assets | 81.7800% | 456 |
| Net loans and leases to deposits | 106.9904% | 273 |
| Net loans and leases to core deposits | 123.1883% | 480 |
| Total domestic deposits to total assets | 76.4300% | 3,976 |
| Equity capital to assets | 9.7285% | 1,978 |
| Core capital (leverage) ratio | 10.8630% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2744% | 2,173 |
| Memoranda: | ||
| Average total assets | $5,231,583,500 | 270 |
| Average earning assets | $5,041,344,750 | 258 |
| Average equity | $485,225,250 | 271 |
| Average total loans | $4,236,356,500 | 233 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 507 |
| Cost of funding earning assets | 1.8700% | 650 |
| Net interest margin | 4.0295% | 1,192 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.2039% | 3,062 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.8922% | 567 |
| Return on assets (ROA) | 1.8544% | 602 |
| Pretax return on assets | 1.9471% | 809 |
| Return on Equity (ROE) | 20.3200% | 678 |
| Retained earnings to average equity (ytd only) | 8.0459% | 1,946 |
| Net charge-offs to loans | 0.1081% | 643 |
| Credit loss provision to net charge-offs | 304.9891% | 856 |
| Earnings coverage of net charge-offs (x) | 25.9527% | 1,617 |
| Efficiency ratio | 49.4661% | 3,969 |
| Assets per employee ($millions) | 8.9916% | 913 |
| Cash dividends to net income (ytd only)* | 60.3964% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 593 |
| Loan loss allowance to noncurrent loans | 306.3252% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 1,129 |
| Noncurrent loans to loans | 0.5913% | 1,269 |
| Net loans and leases to total assets | 79.7700% | 659 |
| Net loans and leases to deposits | 109.4175% | 215 |
| Net loans and leases to core deposits | 125.9132% | 388 |
| Total domestic deposits to total assets | 72.9000% | 4,256 |
| Equity capital to assets | 9.4584% | 2,179 |
| Core capital (leverage) ratio | 10.5001% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0461% | 2,279 |
| Memoranda: | ||
| Average total assets | $5,267,842,667 | 262 |
| Average earning assets | $5,076,390,333 | 250 |
| Average equity | $480,843,667 | 267 |
| Average total loans | $4,225,866,333 | 224 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 446 |
| Cost of funding earning assets | 1.6344% | 654 |
| Net interest margin | 4.1163% | 1,075 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.2268% | 3,023 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.9829% | 506 |
| Return on assets (ROA) | 1.9138% | 552 |
| Pretax return on assets | 2.0079% | 769 |
| Return on Equity (ROE) | 21.3400% | 634 |
| Retained earnings to average equity (ytd only) | 10.4355% | 1,594 |
| Net charge-offs to loans | 0.0355% | 1,023 |
| Credit loss provision to net charge-offs | 496.8085% | 556 |
| Earnings coverage of net charge-offs (x) | 78.5160% | 902 |
| Efficiency ratio | 50.0643% | 3,929 |
| Assets per employee ($millions) | 9.5417% | 793 |
| Cash dividends to net income (ytd only)* | 51.1046% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 863 |
| Loan loss allowance to noncurrent loans | 268.4740% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 1,041 |
| Noncurrent loans to loans | 0.6253% | 1,200 |
| Net loans and leases to total assets | 78.2200% | 743 |
| Net loans and leases to deposits | 111.9594% | 154 |
| Net loans and leases to core deposits | 121.4707% | 404 |
| Total domestic deposits to total assets | 69.8600% | 4,420 |
| Equity capital to assets | 8.9234% | 2,574 |
| Core capital (leverage) ratio | 10.4242% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3601% | 2,615 |
| Memoranda: | ||
| Average total assets | $5,316,671,500 | 273 |
| Average earning assets | $5,122,033,000 | 255 |
| Average equity | $476,757,500 | 275 |
| Average total loans | $4,238,646,000 | 229 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 1,117 |
| Cost of funding earning assets | 0.3833% | 2,235 |
| Net interest margin | 3.8866% | 984 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.3149% | 2,678 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.0261% | 285 |
| Return on assets (ROA) | 2.0257% | 274 |
| Pretax return on assets | 2.1156% | 369 |
| Return on Equity (ROE) | 22.1900% | 329 |
| Retained earnings to average equity (ytd only) | 9.6116% | 1,275 |
| Net charge-offs to loans | 0.0479% | 1,203 |
| Credit loss provision to net charge-offs | 165.3569% | 1,233 |
| Earnings coverage of net charge-offs (x) | 59.7869% | 1,260 |
| Efficiency ratio | 51.5434% | 4,025 |
| Assets per employee ($millions) | 9.1765% | 857 |
| Cash dividends to net income (ytd only)* | 56.6826% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 787 |
| Loan loss allowance to noncurrent loans | 538.4721% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 1,884 |
| Noncurrent loans to loans | 0.3184% | 2,008 |
| Net loans and leases to total assets | 78.5300% | 748 |
| Net loans and leases to deposits | 96.5053% | 608 |
| Net loans and leases to core deposits | 102.4242% | 879 |
| Total domestic deposits to total assets | 81.3800% | 3,708 |
| Equity capital to assets | 9.0134% | 2,346 |
| Core capital (leverage) ratio | 10.5559% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6971% | 2,488 |
| Memoranda: | ||
| Average total assets | $4,964,266,000 | 274 |
| Average earning assets | $4,832,166,200 | 262 |
| Average equity | $453,204,000 | 283 |
| Average total loans | $3,774,555,000 | 235 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 1,383 |
| Cost of funding earning assets | 0.2469% | 2,740 |
| Net interest margin | 3.6934% | 1,153 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.2100% | 2,905 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.9326% | 325 |
| Return on assets (ROA) | 1.9282% | 322 |
| Pretax return on assets | 2.0062% | 463 |
| Return on Equity (ROE) | 21.0500% | 354 |
| Retained earnings to average equity (ytd only) | 4.1577% | 3,388 |
| Net charge-offs to loans | 0.0070% | 1,892 |
| Credit loss provision to net charge-offs | 2,217.0984% | 235 |
| Earnings coverage of net charge-offs (x) | 405.9637% | 380 |
| Efficiency ratio | 50.9568% | 4,096 |
| Assets per employee ($millions) | 8.8938% | 932 |
| Cash dividends to net income (ytd only)* | 80.2489% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 745 |
| Loan loss allowance to noncurrent loans | 690.1449% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,151 |
| Noncurrent loans to loans | 0.2594% | 2,337 |
| Net loans and leases to total assets | 82.6300% | 341 |
| Net loans and leases to deposits | 99.1433% | 402 |
| Net loans and leases to core deposits | 100.2241% | 800 |
| Total domestic deposits to total assets | 83.3400% | 3,637 |
| Equity capital to assets | 8.8991% | 2,285 |
| Core capital (leverage) ratio | 10.6769% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9528% | 2,831 |
| Memoranda: | ||
| Average total assets | $4,911,453,000 | 276 |
| Average earning assets | $4,788,337,250 | 264 |
| Average equity | $449,882,000 | 286 |
| Average total loans | $3,684,333,750 | 239 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 1,909 |
| Cost of funding earning assets | 0.2002% | 2,908 |
| Net interest margin | 3.3782% | 1,666 |
| Noninterest income to average assets | 0.7427% | 1,191 |
| Noninterest expense to average assets | 2.1911% | 2,891 |
| Loan and lease loss provision to assets | 0.0711% | 1,343 |
| Net operating income to assets | 1.7001% | 430 |
| Return on assets (ROA) | 1.6936% | 429 |
| Pretax return on assets | 1.7729% | 636 |
| Return on Equity (ROE) | 18.3165% | 434 |
| Retained earnings to average equity (ytd only) | -1.0465% | 4,299 |
| Net charge-offs to loans | 0.0066% | 1,764 |
| Credit loss provision to net charge-offs | 1,506.0345% | 294 |
| Earnings coverage of net charge-offs (x) | 392.0776% | 325 |
| Efficiency ratio | 54.2118% | 3,946 |
| Assets per employee ($millions) | 8.7543% | 971 |
| Cash dividends to net income (ytd only)* | 105.7133% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 629 |
| Loan loss allowance to noncurrent loans | 610.6024% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,928 |
| Noncurrent loans to loans | 0.3153% | 2,215 |
| Net loans and leases to total assets | 76.8830% | 647 |
| Net loans and leases to deposits | 89.9849% | 722 |
| Net loans and leases to core deposits | 90.9629% | 1,065 |
| Total domestic deposits to total assets | 85.4398% | 3,383 |
| Equity capital to assets | 9.2334% | 2,207 |
| Core capital (leverage) ratio | 9.9880% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7366% | 2,593 |
| Memoranda: | ||
| Average total assets | $4,915,105,333 | 274 |
| Average earning assets | $4,800,013,667 | 263 |
| Average equity | $454,476,667 | 285 |
| Average total loans | $3,538,144,000 | 245 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 2,081 |
| Cost of funding earning assets | 0.1896% | 2,956 |
| Net interest margin | 3.2136% | 1,841 |
| Noninterest income to average assets | 0.8393% | 956 |
| Noninterest expense to average assets | 2.1025% | 3,135 |
| Loan and lease loss provision to assets | 0.1176% | 709 |
| Net operating income to assets | 1.7045% | 408 |
| Return on assets (ROA) | 1.6969% | 420 |
| Pretax return on assets | 1.7563% | 613 |
| Return on Equity (ROE) | 18.3400% | 311 |
| Retained earnings to average equity (ytd only) | -7.5518% | 4,514 |
| Net charge-offs to loans | 0.0081% | 1,452 |
| Credit loss provision to net charge-offs | 2,104.2857% | 204 |
| Earnings coverage of net charge-offs (x) | 336.6286% | 291 |
| Efficiency ratio | 52.7700% | 4,138 |
| Assets per employee ($millions) | 8.8795% | 963 |
| Cash dividends to net income (ytd only)* | 141.1765% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 592 |
| Loan loss allowance to noncurrent loans | 536.2081% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,902 |
| Noncurrent loans to loans | 0.3783% | 2,135 |
| Net loans and leases to total assets | 70.9818% | 926 |
| Net loans and leases to deposits | 83.6706% | 901 |
| Net loans and leases to core deposits | 84.6880% | 1,209 |
| Total domestic deposits to total assets | 84.8348% | 3,578 |
| Equity capital to assets | 9.2353% | 2,496 |
| Core capital (leverage) ratio | 9.4707% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0751% | 2,582 |
| Memoranda: | ||
| Average total assets | $5,008,993,000 | 273 |
| Average earning assets | $4,901,991,500 | 264 |
| Average equity | $463,468,500 | 288 |
| Average total loans | $3,454,282,500 | 249 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 2,836 |
| Cost of funding earning assets | 0.2628% | 2,776 |
| Net interest margin | 3.1729% | 2,677 |
| Noninterest income to average assets | 0.8915% | 1,229 |
| Noninterest expense to average assets | 2.2560% | 2,926 |
| Loan and lease loss provision to assets | 0.0657% | 1,748 |
| Net operating income to assets | 1.5862% | 843 |
| Return on assets (ROA) | 1.6018% | 836 |
| Pretax return on assets | 1.6908% | 1,172 |
| Return on Equity (ROE) | 17.9616% | 473 |
| Retained earnings to average equity (ytd only) | 14.8420% | 237 |
| Net charge-offs to loans | -0.0093% | 3,714 |
| Credit loss provision to net charge-offs | -1,027.3292% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4538% | 3,648 |
| Assets per employee ($millions) | 9.8267% | 702 |
| Cash dividends to net income (ytd only)* | 17.3684% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 569 |
| Loan loss allowance to noncurrent loans | 375.3095% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 1,684 |
| Noncurrent loans to loans | 0.5460% | 1,759 |
| Net loans and leases to total assets | 64.3540% | 1,663 |
| Net loans and leases to deposits | 75.7932% | 1,583 |
| Net loans and leases to core deposits | 76.9964% | 1,842 |
| Total domestic deposits to total assets | 84.9073% | 3,300 |
| Equity capital to assets | 9.2690% | 3,352 |
| Core capital (leverage) ratio | 9.1867% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8072% | 2,316 |
| Memoranda: | ||
| Average total assets | $5,032,369,000 | 270 |
| Average earning assets | $4,924,094,000 | 255 |
| Average equity | $448,768,000 | 293 |
| Average total loans | $3,477,370,400 | 243 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 2,931 |
| Cost of funding earning assets | 0.2790% | 2,811 |
| Net interest margin | 3.1872% | 2,767 |
| Noninterest income to average assets | 0.6207% | 2,129 |
| Noninterest expense to average assets | 2.0963% | 3,377 |
| Loan and lease loss provision to assets | 0.0719% | 1,595 |
| Net operating income to assets | 1.5026% | 1,270 |
| Return on assets (ROA) | 1.5238% | 1,258 |
| Pretax return on assets | 1.5915% | 1,729 |
| Return on Equity (ROE) | 17.2638% | 729 |
| Retained earnings to average equity (ytd only) | 13.0307% | 635 |
| Net charge-offs to loans | -0.0300% | 4,133 |
| Credit loss provision to net charge-offs | -342.8753% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0868% | 3,514 |
| Assets per employee ($millions) | 9.9475% | 648 |
| Cash dividends to net income (ytd only)* | 24.5201% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 723 |
| Loan loss allowance to noncurrent loans | 320.3361% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 1,798 |
| Noncurrent loans to loans | 0.6039% | 1,799 |
| Net loans and leases to total assets | 66.5203% | 1,480 |
| Net loans and leases to deposits | 78.4752% | 1,438 |
| Net loans and leases to core deposits | 79.8812% | 1,743 |
| Total domestic deposits to total assets | 84.7660% | 3,191 |
| Equity capital to assets | 8.6520% | 4,102 |
| Core capital (leverage) ratio | 8.6588% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8402% | 2,760 |
| Memoranda: | ||
| Average total assets | $4,995,800,000 | 272 |
| Average earning assets | $4,885,659,500 | 257 |
| Average equity | $440,958,250 | 295 |
| Average total loans | $3,496,116,000 | 243 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 2,816 |
| Cost of funding earning assets | 0.3047% | 2,740 |
| Net interest margin | 3.2242% | 2,682 |
| Noninterest income to average assets | 0.6639% | 1,955 |
| Noninterest expense to average assets | 2.0704% | 3,489 |
| Loan and lease loss provision to assets | 0.1032% | 1,226 |
| Net operating income to assets | 1.5787% | 1,095 |
| Return on assets (ROA) | 1.5886% | 1,129 |
| Pretax return on assets | 1.6510% | 1,611 |
| Return on Equity (ROE) | 17.8698% | 671 |
| Retained earnings to average equity (ytd only) | 13.2725% | 674 |
| Net charge-offs to loans | -0.0436% | 4,305 |
| Credit loss provision to net charge-offs | -334.8806% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2804% | 3,765 |
| Assets per employee ($millions) | 9.5703% | 694 |
| Cash dividends to net income (ytd only)* | 25.7268% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 546 |
| Loan loss allowance to noncurrent loans | 301.2855% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 1,820 |
| Noncurrent loans to loans | 0.6822% | 1,715 |
| Net loans and leases to total assets | 64.4492% | 1,897 |
| Net loans and leases to deposits | 76.3803% | 1,783 |
| Net loans and leases to core deposits | 77.9770% | 2,049 |
| Total domestic deposits to total assets | 84.3794% | 3,321 |
| Equity capital to assets | 8.6793% | 4,068 |
| Core capital (leverage) ratio | 8.9022% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3071% | 2,606 |
| Memoranda: | ||
| Average total assets | $4,893,724,333 | 274 |
| Average earning assets | $4,781,798,667 | 258 |
| Average equity | $435,034,667 | 296 |
| Average total loans | $3,462,654,000 | 244 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 2,387 |
| Cost of funding earning assets | 0.3313% | 2,695 |
| Net interest margin | 3.3573% | 2,227 |
| Noninterest income to average assets | 0.8689% | 1,413 |
| Noninterest expense to average assets | 2.0993% | 3,430 |
| Loan and lease loss provision to assets | 0.0901% | 1,472 |
| Net operating income to assets | 1.9406% | 618 |
| Return on assets (ROA) | 1.9548% | 655 |
| Pretax return on assets | 1.9693% | 998 |
| Return on Equity (ROE) | 21.7137% | 418 |
| Retained earnings to average equity (ytd only) | 21.7137% | 221 |
| Net charge-offs to loans | -0.1021% | 4,648 |
| Credit loss provision to net charge-offs | -120.2235% | 2,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6538% | 4,133 |
| Assets per employee ($millions) | 8.6746% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 681 |
| Loan loss allowance to noncurrent loans | 263.8178% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 1,736 |
| Noncurrent loans to loans | 0.7358% | 1,762 |
| Net loans and leases to total assets | 71.8035% | 1,053 |
| Net loans and leases to deposits | 93.7848% | 504 |
| Net loans and leases to core deposits | 103.4486% | 591 |
| Total domestic deposits to total assets | 76.5620% | 4,554 |
| Equity capital to assets | 9.1701% | 3,519 |
| Core capital (leverage) ratio | 9.8538% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4832% | 2,497 |
| Memoranda: | ||
| Average total assets | $4,775,754,000 | 272 |
| Average earning assets | $4,659,302,000 | 258 |
| Average equity | $429,941,500 | 295 |
| Average total loans | $3,506,279,500 | 243 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,432 |
| Cost of funding earning assets | 0.5268% | 2,771 |
| Net interest margin | 3.5681% | 2,252 |
| Noninterest income to average assets | 0.9501% | 1,150 |
| Noninterest expense to average assets | 2.4559% | 2,973 |
| Loan and lease loss provision to assets | 0.4733% | 565 |
| Net operating income to assets | 1.4245% | 965 |
| Return on assets (ROA) | 1.4217% | 1,055 |
| Pretax return on assets | 1.4961% | 1,337 |
| Return on Equity (ROE) | 15.1172% | 627 |
| Retained earnings to average equity (ytd only) | 8.9592% | 779 |
| Net charge-offs to loans | 0.1637% | 1,009 |
| Credit loss provision to net charge-offs | 365.5277% | 1,540 |
| Earnings coverage of net charge-offs (x) | 15.2322% | 2,180 |
| Efficiency ratio | 55.4593% | 4,051 |
| Assets per employee ($millions) | 8.8370% | 786 |
| Cash dividends to net income (ytd only)* | 40.7352% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 748 |
| Loan loss allowance to noncurrent loans | 261.6859% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 1,907 |
| Noncurrent loans to loans | 0.7203% | 1,898 |
| Net loans and leases to total assets | 72.2251% | 1,264 |
| Net loans and leases to deposits | 97.1810% | 497 |
| Net loans and leases to core deposits | 104.7752% | 695 |
| Total domestic deposits to total assets | 74.3202% | 4,619 |
| Equity capital to assets | 8.8341% | 4,192 |
| Core capital (leverage) ratio | 9.5944% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0487% | 2,610 |
| Memoranda: | ||
| Average total assets | $4,316,933,600 | 273 |
| Average earning assets | $4,208,262,400 | 255 |
| Average equity | $405,974,800 | 293 |
| Average total loans | $3,415,052,800 | 245 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,536 |
| Cost of funding earning assets | 0.5776% | 2,753 |
| Net interest margin | 3.5680% | 2,363 |
| Noninterest income to average assets | 1.1460% | 801 |
| Noninterest expense to average assets | 2.3383% | 3,315 |
| Loan and lease loss provision to assets | 0.4866% | 619 |
| Net operating income to assets | 1.7481% | 515 |
| Return on assets (ROA) | 1.7412% | 585 |
| Pretax return on assets | 1.7916% | 793 |
| Return on Equity (ROE) | 18.2031% | 346 |
| Retained earnings to average equity (ytd only) | 12.2372% | 397 |
| Net charge-offs to loans | 0.1793% | 832 |
| Credit loss provision to net charge-offs | 336.4832% | 1,648 |
| Earnings coverage of net charge-offs (x) | 15.8036% | 2,086 |
| Efficiency ratio | 50.5733% | 4,453 |
| Assets per employee ($millions) | 8.9046% | 711 |
| Cash dividends to net income (ytd only)* | 32.7743% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 972 |
| Loan loss allowance to noncurrent loans | 333.6040% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 2,496 |
| Noncurrent loans to loans | 0.4970% | 2,569 |
| Net loans and leases to total assets | 78.1078% | 820 |
| Net loans and leases to deposits | 106.8949% | 301 |
| Net loans and leases to core deposits | 113.3404% | 580 |
| Total domestic deposits to total assets | 73.0697% | 4,632 |
| Equity capital to assets | 8.9495% | 4,153 |
| Core capital (leverage) ratio | 9.9476% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7273% | 2,711 |
| Memoranda: | ||
| Average total assets | $4,205,384,250 | 274 |
| Average earning assets | $4,098,795,500 | 258 |
| Average equity | $402,273,000 | 293 |
| Average total loans | $3,392,248,000 | 245 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,384 |
| Cost of funding earning assets | 0.6519% | 2,687 |
| Net interest margin | 3.6826% | 2,234 |
| Noninterest income to average assets | 0.8479% | 1,292 |
| Noninterest expense to average assets | 2.3482% | 3,405 |
| Loan and lease loss provision to assets | 0.5081% | 691 |
| Net operating income to assets | 1.5693% | 809 |
| Return on assets (ROA) | 1.5600% | 899 |
| Pretax return on assets | 1.5686% | 1,298 |
| Return on Equity (ROE) | 15.9094% | 582 |
| Retained earnings to average equity (ytd only) | 9.8464% | 816 |
| Net charge-offs to loans | 0.2828% | 563 |
| Credit loss provision to net charge-offs | 221.3946% | 1,839 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 2,251 |
| Efficiency ratio | 52.9545% | 4,281 |
| Assets per employee ($millions) | 8.7117% | 751 |
| Cash dividends to net income (ytd only)* | 38.1098% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 960 |
| Loan loss allowance to noncurrent loans | 500.0879% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,185 |
| Noncurrent loans to loans | 0.3244% | 3,227 |
| Net loans and leases to total assets | 75.1222% | 1,257 |
| Net loans and leases to deposits | 102.8775% | 419 |
| Net loans and leases to core deposits | 108.8387% | 777 |
| Total domestic deposits to total assets | 73.0210% | 4,649 |
| Equity capital to assets | 8.8103% | 4,255 |
| Core capital (leverage) ratio | 10.0109% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0886% | 2,573 |
| Memoranda: | ||
| Average total assets | $4,036,997,333 | 282 |
| Average earning assets | $3,931,517,667 | 264 |
| Average equity | $395,840,667 | 297 |
| Average total loans | $3,275,883,667 | 248 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 1,460 |
| Cost of funding earning assets | 0.7920% | 2,441 |
| Net interest margin | 3.9935% | 1,407 |
| Noninterest income to average assets | 0.7886% | 1,346 |
| Noninterest expense to average assets | 2.5095% | 3,244 |
| Loan and lease loss provision to assets | 0.0970% | 2,473 |
| Net operating income to assets | 2.0516% | 246 |
| Return on assets (ROA) | 2.0370% | 279 |
| Pretax return on assets | 2.0499% | 410 |
| Return on Equity (ROE) | 19.5629% | 187 |
| Retained earnings to average equity (ytd only) | 15.4762% | 165 |
| Net charge-offs to loans | 0.5507% | 270 |
| Credit loss provision to net charge-offs | 20.9559% | 2,197 |
| Earnings coverage of net charge-offs (x) | 4.6689% | 2,121 |
| Efficiency ratio | 53.7237% | 4,415 |
| Assets per employee ($millions) | 7.1112% | 1,043 |
| Cash dividends to net income (ytd only)* | 20.8899% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,373 |
| Loan loss allowance to noncurrent loans | 328.8239% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,765 |
| Noncurrent loans to loans | 0.4537% | 2,890 |
| Net loans and leases to total assets | 83.1438% | 340 |
| Net loans and leases to deposits | 108.4418% | 218 |
| Net loans and leases to core deposits | 116.4397% | 574 |
| Total domestic deposits to total assets | 76.6713% | 4,400 |
| Equity capital to assets | 10.5314% | 3,289 |
| Core capital (leverage) ratio | 10.8549% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7726% | 2,816 |
| Memoranda: | ||
| Average total assets | $3,759,960,500 | 287 |
| Average earning assets | $3,655,407,500 | 272 |
| Average equity | $391,517,000 | 298 |
| Average total loans | $3,160,931,500 | 250 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 928 |
| Cost of funding earning assets | 0.9286% | 2,066 |
| Net interest margin | 4.3020% | 1,085 |
| Noninterest income to average assets | 0.8204% | 1,384 |
| Noninterest expense to average assets | 3.4034% | 1,112 |
| Loan and lease loss provision to assets | 0.0782% | 2,434 |
| Net operating income to assets | 1.4654% | 1,138 |
| Return on assets (ROA) | 1.3861% | 1,472 |
| Pretax return on assets | 1.4231% | 2,073 |
| Return on Equity (ROE) | 13.4420% | 1,038 |
| Retained earnings to average equity (ytd only) | 7.9574% | 994 |
| Net charge-offs to loans | 0.0590% | 2,259 |
| Credit loss provision to net charge-offs | 153.5556% | 1,662 |
| Earnings coverage of net charge-offs (x) | 31.1017% | 1,544 |
| Efficiency ratio | 68.2523% | 2,425 |
| Assets per employee ($millions) | 7.0369% | 1,025 |
| Cash dividends to net income (ytd only)* | 40.8022% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 894 |
| Loan loss allowance to noncurrent loans | 546.8800% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 3,239 |
| Noncurrent loans to loans | 0.3008% | 3,354 |
| Net loans and leases to total assets | 82.3500% | 513 |
| Net loans and leases to deposits | 101.3478% | 509 |
| Net loans and leases to core deposits | 111.4159% | 779 |
| Total domestic deposits to total assets | 81.2548% | 3,713 |
| Equity capital to assets | 10.2919% | 3,633 |
| Core capital (leverage) ratio | 10.3167% | 3,171 |
| Tier 1 risk-based capital ratio | 11.4950% | 4,632 |
| Total risk-based capital ratio | 12.7542% | 4,506 |
| Memoranda: | ||
| Average total assets | $3,536,323,400 | 288 |
| Average earning assets | $3,424,549,000 | 274 |
| Average equity | $364,655,400 | 304 |
| Average total loans | $3,048,452,800 | 250 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 943 |
| Cost of funding earning assets | 0.9358% | 2,058 |
| Net interest margin | 4.3168% | 1,130 |
| Noninterest income to average assets | 0.8681% | 1,217 |
| Noninterest expense to average assets | 3.3936% | 1,108 |
| Loan and lease loss provision to assets | 0.0873% | 2,171 |
| Net operating income to assets | 1.4983% | 1,186 |
| Return on assets (ROA) | 1.3923% | 1,565 |
| Pretax return on assets | 1.4498% | 2,120 |
| Return on Equity (ROE) | 13.4948% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.0884% | 2,327 |
| Net charge-offs to loans | 0.0561% | 2,026 |
| Credit loss provision to net charge-offs | 179.0752% | 1,435 |
| Earnings coverage of net charge-offs (x) | 33.7963% | 1,514 |
| Efficiency ratio | 67.3172% | 2,523 |
| Assets per employee ($millions) | 6.9166% | 1,058 |
| Cash dividends to net income (ytd only)* | 54.8832% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,041 |
| Loan loss allowance to noncurrent loans | 628.1028% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 3,443 |
| Noncurrent loans to loans | 0.2512% | 3,641 |
| Net loans and leases to total assets | 87.6511% | 109 |
| Net loans and leases to deposits | 111.8246% | 185 |
| Net loans and leases to core deposits | 125.5412% | 381 |
| Total domestic deposits to total assets | 78.3827% | 4,292 |
| Equity capital to assets | 10.1483% | 3,872 |
| Core capital (leverage) ratio | 10.5753% | 3,033 |
| Tier 1 risk-based capital ratio | 10.6663% | 5,034 |
| Total risk-based capital ratio | 11.9241% | 4,946 |
| Memoranda: | ||
| Average total assets | $3,489,774,250 | 294 |
| Average earning assets | $3,373,543,000 | 279 |
| Average equity | $360,040,000 | 312 |
| Average total loans | $3,031,374,500 | 253 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 861 |
| Cost of funding earning assets | 0.9303% | 2,010 |
| Net interest margin | 4.3411% | 1,063 |
| Noninterest income to average assets | 0.8456% | 1,218 |
| Noninterest expense to average assets | 3.3634% | 1,166 |
| Loan and lease loss provision to assets | 0.0332% | 3,163 |
| Net operating income to assets | 1.6206% | 863 |
| Return on assets (ROA) | 1.4615% | 1,313 |
| Pretax return on assets | 1.4834% | 1,912 |
| Return on Equity (ROE) | 14.0847% | 961 |
| Retained earnings to average equity (ytd only) | 7.3528% | 1,673 |
| Net charge-offs to loans | 0.0503% | 1,926 |
| Credit loss provision to net charge-offs | 76.6129% | 2,258 |
| Earnings coverage of net charge-offs (x) | 38.7272% | 1,267 |
| Efficiency ratio | 66.7252% | 2,713 |
| Assets per employee ($millions) | 6.5489% | 1,211 |
| Cash dividends to net income (ytd only)* | 47.7954% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 958 |
| Loan loss allowance to noncurrent loans | 771.5143% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,636 |
| Noncurrent loans to loans | 0.2117% | 3,784 |
| Net loans and leases to total assets | 86.6547% | 169 |
| Net loans and leases to deposits | 110.7740% | 207 |
| Net loans and leases to core deposits | 125.8301% | 396 |
| Total domestic deposits to total assets | 78.2266% | 4,349 |
| Equity capital to assets | 10.5253% | 3,493 |
| Core capital (leverage) ratio | 10.9863% | 2,612 |
| Tier 1 risk-based capital ratio | 11.2031% | 4,830 |
| Total risk-based capital ratio | 12.4621% | 4,719 |
| Memoranda: | ||
| Average total assets | $3,435,713,670 | 297 |
| Average earning assets | $3,320,063,000 | 285 |
| Average equity | $356,515,670 | 315 |
| Average total loans | $2,957,734,330 | 260 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 669 |
| Cost of funding earning assets | 0.9028% | 1,984 |
| Net interest margin | 4.4649% | 793 |
| Noninterest income to average assets | 0.6812% | 1,679 |
| Noninterest expense to average assets | 3.3092% | 1,268 |
| Loan and lease loss provision to assets | 0.0171% | 3,214 |
| Net operating income to assets | 1.6402% | 826 |
| Return on assets (ROA) | 1.5349% | 1,066 |
| Pretax return on assets | 1.5554% | 1,594 |
| Return on Equity (ROE) | 14.9005% | 766 |
| Retained earnings to average equity (ytd only) | 10.3476% | 955 |
| Net charge-offs to loans | 0.0626% | 1,416 |
| Credit loss provision to net charge-offs | 32.1586% | 2,079 |
| Earnings coverage of net charge-offs (x) | 31.5396% | 1,304 |
| Efficiency ratio | 66.3423% | 2,896 |
| Assets per employee ($millions) | 6.4960% | 1,243 |
| Cash dividends to net income (ytd only)* | 30.5553% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 842 |
| Loan loss allowance to noncurrent loans | 474.9145% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,186 |
| Noncurrent loans to loans | 0.3600% | 3,290 |
| Net loans and leases to total assets | 85.4114% | 242 |
| Net loans and leases to deposits | 104.4746% | 380 |
| Net loans and leases to core deposits | 117.7019% | 589 |
| Total domestic deposits to total assets | 81.7533% | 3,791 |
| Equity capital to assets | 10.6526% | 3,204 |
| Core capital (leverage) ratio | 10.8702% | 2,687 |
| Tier 1 risk-based capital ratio | 11.3715% | 4,799 |
| Total risk-based capital ratio | 12.6314% | 4,699 |
| Memoranda: | ||
| Average total assets | $3,411,570,000 | 301 |
| Average earning assets | $3,290,791,000 | 287 |
| Average equity | $351,423,500 | 318 |
| Average total loans | $2,902,009,500 | 264 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 931 |
| Cost of funding earning assets | 0.6995% | 2,096 |
| Net interest margin | 4.3607% | 1,018 |
| Noninterest income to average assets | 0.8459% | 1,321 |
| Noninterest expense to average assets | 3.4767% | 1,022 |
| Loan and lease loss provision to assets | 0.0308% | 3,574 |
| Net operating income to assets | 1.5356% | 1,032 |
| Return on assets (ROA) | 1.4942% | 1,121 |
| Pretax return on assets | 1.5119% | 1,740 |
| Return on Equity (ROE) | 14.3171% | 974 |
| Retained earnings to average equity (ytd only) | 1.8608% | 4,405 |
| Net charge-offs to loans | 0.0629% | 2,226 |
| Credit loss provision to net charge-offs | 57.2946% | 3,128 |
| Earnings coverage of net charge-offs (x) | 29.4662% | 1,622 |
| Efficiency ratio | 68.6936% | 2,435 |
| Assets per employee ($millions) | 6.7019% | 1,113 |
| Cash dividends to net income (ytd only)* | 87.0031% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 761 |
| Loan loss allowance to noncurrent loans | 340.6419% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 2,760 |
| Noncurrent loans to loans | 0.5128% | 2,743 |
| Net loans and leases to total assets | 81.8250% | 677 |
| Net loans and leases to deposits | 103.8565% | 483 |
| Net loans and leases to core deposits | 114.1770% | 779 |
| Total domestic deposits to total assets | 78.7866% | 4,352 |
| Equity capital to assets | 9.9587% | 3,720 |
| Core capital (leverage) ratio | 10.2815% | 3,268 |
| Tier 1 risk-based capital ratio | 11.2669% | 4,828 |
| Total risk-based capital ratio | 12.5263% | 4,742 |
| Memoranda: | ||
| Average total assets | $3,326,968,800 | 300 |
| Average earning assets | $3,216,002,000 | 286 |
| Average equity | $347,221,400 | 317 |
| Average total loans | $2,844,236,000 | 265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 1,099 |
| Cost of funding earning assets | 0.6601% | 2,089 |
| Net interest margin | 4.2677% | 1,190 |
| Noninterest income to average assets | 0.9226% | 1,132 |
| Noninterest expense to average assets | 3.1102% | 1,738 |
| Loan and lease loss provision to assets | 0.0393% | 3,219 |
| Net operating income to assets | 1.8777% | 514 |
| Return on assets (ROA) | 1.8224% | 582 |
| Pretax return on assets | 1.8460% | 913 |
| Return on Equity (ROE) | 17.2541% | 516 |
| Retained earnings to average equity (ytd only) | 5.2787% | 3,073 |
| Net charge-offs to loans | 0.0422% | 2,245 |
| Credit loss provision to net charge-offs | 108.1382% | 2,137 |
| Earnings coverage of net charge-offs (x) | 53.4671% | 1,129 |
| Efficiency ratio | 61.5717% | 3,577 |
| Assets per employee ($millions) | 6.9064% | 970 |
| Cash dividends to net income (ytd only)* | 69.4059% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 826 |
| Loan loss allowance to noncurrent loans | 337.7559% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 2,830 |
| Noncurrent loans to loans | 0.5113% | 2,852 |
| Net loans and leases to total assets | 82.9546% | 569 |
| Net loans and leases to deposits | 109.8348% | 292 |
| Net loans and leases to core deposits | 121.0541% | 545 |
| Total domestic deposits to total assets | 75.5267% | 4,833 |
| Equity capital to assets | 9.9313% | 3,718 |
| Core capital (leverage) ratio | 10.9761% | 2,604 |
| Tier 1 risk-based capital ratio | 11.3681% | 4,863 |
| Total risk-based capital ratio | 12.6233% | 4,751 |
| Memoranda: | ||
| Average total assets | $3,294,162,000 | 299 |
| Average earning assets | $3,186,949,250 | 285 |
| Average equity | $347,928,750 | 312 |
| Average total loans | $2,835,301,500 | 264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 954 |
| Cost of funding earning assets | 0.6258% | 2,069 |
| Net interest margin | 4.3058% | 1,023 |
| Noninterest income to average assets | 1.0532% | 871 |
| Noninterest expense to average assets | 3.0276% | 1,971 |
| Loan and lease loss provision to assets | 0.0472% | 2,960 |
| Net operating income to assets | 2.1161% | 302 |
| Return on assets (ROA) | 2.0839% | 315 |
| Pretax return on assets | 2.1083% | 482 |
| Return on Equity (ROE) | 19.3122% | 309 |
| Retained earnings to average equity (ytd only) | 4.5031% | 3,340 |
| Net charge-offs to loans | 0.0480% | 1,924 |
| Credit loss provision to net charge-offs | 113.4128% | 1,856 |
| Earnings coverage of net charge-offs (x) | 52.5455% | 1,096 |
| Efficiency ratio | 58.0482% | 4,226 |
| Assets per employee ($millions) | 6.5136% | 1,173 |
| Cash dividends to net income (ytd only)* | 76.6825% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 762 |
| Loan loss allowance to noncurrent loans | 441.9870% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 2,976 |
| Noncurrent loans to loans | 0.4060% | 3,241 |
| Net loans and leases to total assets | 85.6214% | 293 |
| Net loans and leases to deposits | 112.9257% | 216 |
| Net loans and leases to core deposits | 124.3371% | 449 |
| Total domestic deposits to total assets | 75.8210% | 4,868 |
| Equity capital to assets | 10.4945% | 3,125 |
| Core capital (leverage) ratio | 10.9349% | 2,574 |
| Tier 1 risk-based capital ratio | 11.6650% | 4,708 |
| Total risk-based capital ratio | 12.9210% | 4,583 |
| Memoranda: | ||
| Average total assets | $3,222,730,670 | 303 |
| Average earning assets | $3,115,466,670 | 287 |
| Average equity | $347,759,670 | 308 |
| Average total loans | $2,793,212,670 | 264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 1,100 |
| Cost of funding earning assets | 0.5734% | 2,228 |
| Net interest margin | 4.2173% | 1,145 |
| Noninterest income to average assets | 1.2494% | 595 |
| Noninterest expense to average assets | 2.5216% | 3,580 |
| Loan and lease loss provision to assets | 0.0278% | 3,152 |
| Net operating income to assets | 2.7596% | 97 |
| Return on assets (ROA) | 2.7596% | 97 |
| Pretax return on assets | 2.7838% | 140 |
| Return on Equity (ROE) | 25.2194% | 82 |
| Retained earnings to average equity (ytd only) | 25.2194% | 43 |
| Net charge-offs to loans | 0.0464% | 1,655 |
| Credit loss provision to net charge-offs | 69.1589% | 1,836 |
| Earnings coverage of net charge-offs (x) | 70.0530% | 771 |
| Efficiency ratio | 47.2817% | 5,224 |
| Assets per employee ($millions) | 6.6505% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 737 |
| Loan loss allowance to noncurrent loans | 317.3193% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 2,726 |
| Noncurrent loans to loans | 0.5766% | 2,814 |
| Net loans and leases to total assets | 84.2651% | 414 |
| Net loans and leases to deposits | 112.2176% | 203 |
| Net loans and leases to core deposits | 122.0496% | 522 |
| Total domestic deposits to total assets | 75.0908% | 5,054 |
| Equity capital to assets | 11.0540% | 2,532 |
| Core capital (leverage) ratio | 11.6004% | 1,933 |
| Tier 1 risk-based capital ratio | 12.3266% | 4,360 |
| Total risk-based capital ratio | 13.5830% | 4,248 |
| Memoranda: | ||
| Average total assets | $3,199,191,500 | 304 |
| Average earning assets | $3,097,914,500 | 289 |
| Average equity | $350,064,000 | 311 |
| Average total loans | $2,764,411,000 | 266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 1,128 |
| Cost of funding earning assets | 0.4277% | 2,972 |
| Net interest margin | 4.2996% | 961 |
| Noninterest income to average assets | 0.8556% | 1,394 |
| Noninterest expense to average assets | 4.0663% | 487 |
| Loan and lease loss provision to assets | -0.0441% | 5,386 |
| Net operating income to assets | 0.9889% | 2,297 |
| Return on assets (ROA) | 0.9889% | 2,330 |
| Pretax return on assets | 0.9939% | 3,597 |
| Return on Equity (ROE) | 8.9489% | 2,342 |
| Retained earnings to average equity (ytd only) | 0.2752% | 4,917 |
| Net charge-offs to loans | 0.0644% | 2,551 |
| Credit loss provision to net charge-offs | -79.8266% | 4,686 |
| Earnings coverage of net charge-offs (x) | 17.1827% | 2,145 |
| Efficiency ratio | 81.0661% | 1,008 |
| Assets per employee ($millions) | 6.4875% | 1,216 |
| Cash dividends to net income (ytd only)* | 96.9243% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 690 |
| Loan loss allowance to noncurrent loans | 492.8627% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,345 |
| Noncurrent loans to loans | 0.3780% | 3,404 |
| Net loans and leases to total assets | 85.3807% | 302 |
| Net loans and leases to deposits | 110.0828% | 267 |
| Net loans and leases to core deposits | 118.2343% | 645 |
| Total domestic deposits to total assets | 77.5605% | 4,784 |
| Equity capital to assets | 10.8274% | 2,811 |
| Core capital (leverage) ratio | 11.0619% | 2,276 |
| Tier 1 risk-based capital ratio | 11.8752% | 4,612 |
| Total risk-based capital ratio | 13.1321% | 4,491 |
| Memoranda: | ||
| Average total assets | $3,129,919,200 | 297 |
| Average earning assets | $3,028,610,000 | 282 |
| Average equity | $345,874,000 | 297 |
| Average total loans | $2,688,238,200 | 265 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 1,137 |
| Cost of funding earning assets | 0.4115% | 3,074 |
| Net interest margin | 4.2878% | 949 |
| Noninterest income to average assets | 0.8790% | 1,343 |
| Noninterest expense to average assets | 3.8821% | 610 |
| Loan and lease loss provision to assets | -0.0979% | 5,581 |
| Net operating income to assets | 1.2612% | 1,467 |
| Return on assets (ROA) | 1.2612% | 1,496 |
| Pretax return on assets | 1.2417% | 2,742 |
| Return on Equity (ROE) | 11.3550% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.4387% | 3,258 |
| Net charge-offs to loans | 0.0568% | 2,323 |
| Credit loss provision to net charge-offs | -201.1404% | 4,632 |
| Earnings coverage of net charge-offs (x) | 23.5114% | 1,804 |
| Efficiency ratio | 77.2408% | 1,431 |
| Assets per employee ($millions) | 6.6893% | 1,077 |
| Cash dividends to net income (ytd only)* | 60.9096% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 781 |
| Loan loss allowance to noncurrent loans | 469.5146% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,466 |
| Noncurrent loans to loans | 0.3933% | 3,546 |
| Net loans and leases to total assets | 84.2393% | 412 |
| Net loans and leases to deposits | 110.3672% | 265 |
| Net loans and leases to core deposits | 119.1276% | 617 |
| Total domestic deposits to total assets | 76.3264% | 4,980 |
| Equity capital to assets | 11.0418% | 2,826 |
| Core capital (leverage) ratio | 11.1053% | 2,363 |
| Tier 1 risk-based capital ratio | 12.0501% | 4,572 |
| Total risk-based capital ratio | 13.3065% | 4,464 |
| Memoranda: | ||
| Average total assets | $3,124,169,000 | 296 |
| Average earning assets | $3,021,528,000 | 281 |
| Average equity | $346,998,000 | 295 |
| Average total loans | $2,674,526,500 | 263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,109 |
| Cost of funding earning assets | 0.3842% | 3,245 |
| Net interest margin | 4.2897% | 885 |
| Noninterest income to average assets | 0.9644% | 1,102 |
| Noninterest expense to average assets | 4.2106% | 408 |
| Loan and lease loss provision to assets | -0.1941% | 5,703 |
| Net operating income to assets | 1.1433% | 1,809 |
| Return on assets (ROA) | 1.1433% | 1,861 |
| Pretax return on assets | 1.0965% | 3,198 |
| Return on Equity (ROE) | 10.2730% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.2118% | 2,011 |
| Net charge-offs to loans | 0.0722% | 1,908 |
| Credit loss provision to net charge-offs | -314.4351% | 4,573 |
| Earnings coverage of net charge-offs (x) | 14.6192% | 2,059 |
| Efficiency ratio | 82.3509% | 971 |
| Assets per employee ($millions) | 6.4890% | 1,163 |
| Cash dividends to net income (ytd only)* | 39.5324% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 744 |
| Loan loss allowance to noncurrent loans | 330.9557% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 2,970 |
| Noncurrent loans to loans | 0.5692% | 3,025 |
| Net loans and leases to total assets | 84.7310% | 372 |
| Net loans and leases to deposits | 114.2646% | 190 |
| Net loans and leases to core deposits | 124.3889% | 425 |
| Total domestic deposits to total assets | 74.1534% | 5,277 |
| Equity capital to assets | 11.4187% | 2,397 |
| Core capital (leverage) ratio | 11.6974% | 1,830 |
| Tier 1 risk-based capital ratio | 12.5231% | 4,292 |
| Total risk-based capital ratio | 13.7802% | 4,185 |
| Memoranda: | ||
| Average total assets | $3,097,494,330 | 302 |
| Average earning assets | $2,995,643,330 | 283 |
| Average equity | $344,730,000 | 298 |
| Average total loans | $2,649,379,670 | 266 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 1,108 |
| Cost of funding earning assets | 0.3613% | 3,399 |
| Net interest margin | 4.2512% | 884 |
| Noninterest income to average assets | 0.9614% | 1,078 |
| Noninterest expense to average assets | 5.0438% | 229 |
| Loan and lease loss provision to assets | -0.5068% | 5,830 |
| Net operating income to assets | 0.6414% | 3,972 |
| Return on assets (ROA) | 0.6414% | 4,009 |
| Pretax return on assets | 0.5349% | 4,887 |
| Return on Equity (ROE) | 5.8389% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.3173% | 4,215 |
| Net charge-offs to loans | 0.0703% | 1,627 |
| Credit loss provision to net charge-offs | -846.9828% | 4,368 |
| Earnings coverage of net charge-offs (x) | 0.4698% | 2,817 |
| Efficiency ratio | 99.4457% | 230 |
| Assets per employee ($millions) | 6.2563% | 1,322 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 780 |
| Loan loss allowance to noncurrent loans | 289.9540% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,790 |
| Noncurrent loans to loans | 0.6581% | 2,859 |
| Net loans and leases to total assets | 83.3701% | 425 |
| Net loans and leases to deposits | 103.8780% | 405 |
| Net loans and leases to core deposits | 111.8490% | 781 |
| Total domestic deposits to total assets | 80.2577% | 4,572 |
| Equity capital to assets | 11.1410% | 2,492 |
| Core capital (leverage) ratio | 11.4203% | 2,009 |
| Tier 1 risk-based capital ratio | 12.3877% | 4,454 |
| Total risk-based capital ratio | 13.6450% | 4,360 |
| Memoranda: | ||
| Average total assets | $3,101,859,000 | 304 |
| Average earning assets | $2,999,258,500 | 286 |
| Average equity | $340,746,500 | 301 |
| Average total loans | $2,640,373,500 | 266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 1,163 |
| Cost of funding earning assets | 0.3543% | 3,466 |
| Net interest margin | 4.2980% | 935 |
| Noninterest income to average assets | 1.1564% | 852 |
| Noninterest expense to average assets | 4.3518% | 429 |
| Loan and lease loss provision to assets | -0.0046% | 5,472 |
| Net operating income to assets | 0.9532% | 2,565 |
| Return on assets (ROA) | 0.9978% | 2,466 |
| Pretax return on assets | 1.0175% | 3,417 |
| Return on Equity (ROE) | 8.4839% | 2,682 |
| Retained earnings to average equity (ytd only) | 3.5425% | 3,413 |
| Net charge-offs to loans | 0.0388% | 3,253 |
| Credit loss provision to net charge-offs | -13.8320% | 4,758 |
| Earnings coverage of net charge-offs (x) | 28.9918% | 1,459 |
| Efficiency ratio | 81.8134% | 1,223 |
| Assets per employee ($millions) | 6.5934% | 1,103 |
| Cash dividends to net income (ytd only)* | 58.2451% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 621 |
| Loan loss allowance to noncurrent loans | 283.8421% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 2,736 |
| Noncurrent loans to loans | 0.7153% | 2,749 |
| Net loans and leases to total assets | 83.5193% | 431 |
| Net loans and leases to deposits | 106.4452% | 325 |
| Net loans and leases to core deposits | 115.9551% | 617 |
| Total domestic deposits to total assets | 78.4623% | 4,899 |
| Equity capital to assets | 10.8324% | 2,782 |
| Core capital (leverage) ratio | 11.4688% | 1,955 |
| Tier 1 risk-based capital ratio | 12.0678% | 4,684 |
| Total risk-based capital ratio | 13.3266% | 4,559 |
| Memoranda: | ||
| Average total assets | $2,925,007,200 | 302 |
| Average earning assets | $2,833,000,200 | 286 |
| Average equity | $344,027,000 | 287 |
| Average total loans | $2,517,043,800 | 265 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 1,137 |
| Cost of funding earning assets | 0.3522% | 3,514 |
| Net interest margin | 4.3174% | 899 |
| Noninterest income to average assets | 1.2063% | 788 |
| Noninterest expense to average assets | 4.0368% | 558 |
| Loan and lease loss provision to assets | 0.0066% | 4,096 |
| Net operating income to assets | 1.3318% | 1,207 |
| Return on assets (ROA) | 1.3820% | 1,160 |
| Pretax return on assets | 1.3991% | 2,039 |
| Return on Equity (ROE) | 11.5027% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.2543% | 1,500 |
| Net charge-offs to loans | 0.0283% | 3,095 |
| Credit loss provision to net charge-offs | 26.9962% | 3,248 |
| Earnings coverage of net charge-offs (x) | 55.5092% | 1,008 |
| Efficiency ratio | 74.8709% | 2,129 |
| Assets per employee ($millions) | 6.2695% | 1,252 |
| Cash dividends to net income (ytd only)* | 36.9338% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0957% | 611 |
| Loan loss allowance to noncurrent loans | 401.0293% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 3,351 |
| Noncurrent loans to loans | 0.5226% | 3,431 |
| Net loans and leases to total assets | 84.9272% | 332 |
| Net loans and leases to deposits | 113.1033% | 200 |
| Net loans and leases to core deposits | 123.2381% | 431 |
| Total domestic deposits to total assets | 75.0882% | 5,329 |
| Equity capital to assets | 11.7652% | 2,292 |
| Core capital (leverage) ratio | 12.0969% | 1,609 |
| Tier 1 risk-based capital ratio | 12.5688% | 4,433 |
| Total risk-based capital ratio | 13.8325% | 4,328 |
| Memoranda: | ||
| Average total assets | $2,873,292,000 | 306 |
| Average earning assets | $2,785,409,500 | 288 |
| Average equity | $345,219,250 | 285 |
| Average total loans | $2,478,823,250 | 266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 1,026 |
| Cost of funding earning assets | 0.3442% | 3,628 |
| Net interest margin | 4.3672% | 819 |
| Noninterest income to average assets | 1.1296% | 878 |
| Noninterest expense to average assets | 4.0381% | 562 |
| Loan and lease loss provision to assets | 0.0924% | 2,305 |
| Net operating income to assets | 1.2143% | 1,547 |
| Return on assets (ROA) | 1.2902% | 1,409 |
| Pretax return on assets | 1.3100% | 2,365 |
| Return on Equity (ROE) | 10.6594% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.5633% | 1,839 |
| Net charge-offs to loans | 0.0475% | 2,532 |
| Credit loss provision to net charge-offs | 225.6055% | 1,193 |
| Earnings coverage of net charge-offs (x) | 32.3633% | 1,340 |
| Efficiency ratio | 75.2955% | 2,181 |
| Assets per employee ($millions) | 6.0415% | 1,368 |
| Cash dividends to net income (ytd only)* | 38.4278% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 568 |
| Loan loss allowance to noncurrent loans | 396.6510% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 3,369 |
| Noncurrent loans to loans | 0.5470% | 3,428 |
| Net loans and leases to total assets | 85.6596% | 279 |
| Net loans and leases to deposits | 115.4039% | 156 |
| Net loans and leases to core deposits | 126.4451% | 364 |
| Total domestic deposits to total assets | 74.2260% | 5,497 |
| Equity capital to assets | 11.9295% | 2,175 |
| Core capital (leverage) ratio | 12.2142% | 1,511 |
| Tier 1 risk-based capital ratio | 12.5257% | 4,502 |
| Total risk-based capital ratio | 13.7920% | 4,405 |
| Memoranda: | ||
| Average total assets | $2,823,755,330 | 309 |
| Average earning assets | $2,737,244,000 | 290 |
| Average equity | $341,781,330 | 286 |
| Average total loans | $2,431,313,000 | 266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 872 |
| Cost of funding earning assets | 0.3407% | 3,708 |
| Net interest margin | 4.4489% | 670 |
| Noninterest income to average assets | 0.8269% | 1,531 |
| Noninterest expense to average assets | 3.9162% | 673 |
| Loan and lease loss provision to assets | 0.0374% | 3,161 |
| Net operating income to assets | 1.1560% | 1,689 |
| Return on assets (ROA) | 1.3091% | 1,308 |
| Pretax return on assets | 1.3440% | 2,117 |
| Return on Equity (ROE) | 10.7339% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.8212% | 3,051 |
| Net charge-offs to loans | 0.0183% | 2,566 |
| Credit loss provision to net charge-offs | 239.8148% | 969 |
| Earnings coverage of net charge-offs (x) | 78.5556% | 644 |
| Efficiency ratio | 76.1946% | 2,152 |
| Assets per employee ($millions) | 5.9403% | 1,447 |
| Cash dividends to net income (ytd only)* | 55.0843% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 505 |
| Loan loss allowance to noncurrent loans | 393.1626% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 3,301 |
| Noncurrent loans to loans | 0.5860% | 3,431 |
| Net loans and leases to total assets | 83.4892% | 416 |
| Net loans and leases to deposits | 105.8417% | 345 |
| Net loans and leases to core deposits | 114.9908% | 632 |
| Total domestic deposits to total assets | 78.8812% | 4,994 |
| Equity capital to assets | 12.2222% | 1,876 |
| Core capital (leverage) ratio | 12.1166% | 1,539 |
| Tier 1 risk-based capital ratio | 12.9904% | 4,275 |
| Total risk-based capital ratio | 14.2575% | 4,175 |
| Memoranda: | ||
| Average total assets | $2,773,582,000 | 311 |
| Average earning assets | $2,688,736,500 | 289 |
| Average equity | $338,257,000 | 287 |
| Average total loans | $2,366,808,500 | 270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 1,307 |
| Cost of funding earning assets | 0.2983% | 4,267 |
| Net interest margin | 4.3130% | 942 |
| Noninterest income to average assets | 1.0141% | 1,144 |
| Noninterest expense to average assets | 4.3343% | 464 |
| Loan and lease loss provision to assets | 0.0082% | 4,231 |
| Net operating income to assets | 0.8124% | 3,288 |
| Return on assets (ROA) | 0.8488% | 3,189 |
| Pretax return on assets | 0.8786% | 3,925 |
| Return on Equity (ROE) | 6.6051% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.1741% | 4,483 |
| Net charge-offs to loans | -0.0053% | 4,991 |
| Credit loss provision to net charge-offs | -179.3388% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6142% | 1,218 |
| Assets per employee ($millions) | 5.9380% | 1,429 |
| Cash dividends to net income (ytd only)* | 67.0841% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3351% | 493 |
| Loan loss allowance to noncurrent loans | 272.3078% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,646 |
| Noncurrent loans to loans | 0.8575% | 2,637 |
| Net loans and leases to total assets | 83.2185% | 465 |
| Net loans and leases to deposits | 109.7232% | 248 |
| Net loans and leases to core deposits | 121.8380% | 431 |
| Total domestic deposits to total assets | 75.8440% | 5,461 |
| Equity capital to assets | 12.1751% | 1,829 |
| Core capital (leverage) ratio | 12.5529% | 1,323 |
| Tier 1 risk-based capital ratio | 13.2072% | 4,164 |
| Total risk-based capital ratio | 14.4719% | 4,090 |
| Memoranda: | ||
| Average total assets | $2,634,370,000 | 307 |
| Average earning assets | $2,546,766,200 | 291 |
| Average equity | $338,528,600 | 274 |
| Average total loans | $2,282,192,000 | 259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,215 |
| Cost of funding earning assets | 0.2918% | 4,432 |
| Net interest margin | 4.3567% | 866 |
| Noninterest income to average assets | 1.1328% | 936 |
| Noninterest expense to average assets | 3.9129% | 730 |
| Loan and lease loss provision to assets | -0.0014% | 5,781 |
| Net operating income to assets | 1.3944% | 1,119 |
| Return on assets (ROA) | 1.4434% | 1,066 |
| Pretax return on assets | 1.4819% | 1,729 |
| Return on Equity (ROE) | 11.0783% | 1,681 |
| Retained earnings to average equity (ytd only) | 6.7557% | 1,805 |
| Net charge-offs to loans | 0.0144% | 3,674 |
| Credit loss provision to net charge-offs | -11.0204% | 4,854 |
| Earnings coverage of net charge-offs (x) | 113.9995% | 560 |
| Efficiency ratio | 73.2358% | 2,679 |
| Assets per employee ($millions) | 5.8809% | 1,455 |
| Cash dividends to net income (ytd only)* | 39.0182% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3405% | 543 |
| Loan loss allowance to noncurrent loans | 226.7199% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 2,437 |
| Noncurrent loans to loans | 1.0323% | 2,409 |
| Net loans and leases to total assets | 86.0473% | 228 |
| Net loans and leases to deposits | 113.5566% | 175 |
| Net loans and leases to core deposits | 122.4265% | 413 |
| Total domestic deposits to total assets | 75.7748% | 5,525 |
| Equity capital to assets | 13.1960% | 1,352 |
| Core capital (leverage) ratio | 13.2249% | 1,122 |
| Tier 1 risk-based capital ratio | 13.6893% | 4,031 |
| Total risk-based capital ratio | 14.9526% | 3,956 |
| Memoranda: | ||
| Average total assets | $2,604,159,500 | 314 |
| Average earning assets | $2,516,518,250 | 298 |
| Average equity | $339,298,500 | 281 |
| Average total loans | $2,265,823,000 | 267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,196 |
| Cost of funding earning assets | 0.2816% | 4,593 |
| Net interest margin | 4.3559% | 827 |
| Noninterest income to average assets | 1.1362% | 934 |
| Noninterest expense to average assets | 3.8289% | 838 |
| Loan and lease loss provision to assets | -0.0428% | 6,016 |
| Net operating income to assets | 1.5187% | 869 |
| Return on assets (ROA) | 1.5411% | 879 |
| Pretax return on assets | 1.5798% | 1,391 |
| Return on Equity (ROE) | 11.8794% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.1283% | 1,647 |
| Net charge-offs to loans | 0.0372% | 2,940 |
| Credit loss provision to net charge-offs | -132.7751% | 4,946 |
| Earnings coverage of net charge-offs (x) | 47.0191% | 1,002 |
| Efficiency ratio | 71.6609% | 3,042 |
| Assets per employee ($millions) | 5.9554% | 1,393 |
| Cash dividends to net income (ytd only)* | 39.9940% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3239% | 617 |
| Loan loss allowance to noncurrent loans | 208.4859% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 2,409 |
| Noncurrent loans to loans | 1.1147% | 2,425 |
| Net loans and leases to total assets | 85.6348% | 255 |
| Net loans and leases to deposits | 117.7165% | 123 |
| Net loans and leases to core deposits | 125.7432% | 341 |
| Total domestic deposits to total assets | 72.7466% | 5,894 |
| Equity capital to assets | 12.9938% | 1,411 |
| Core capital (leverage) ratio | 13.3860% | 1,020 |
| Tier 1 risk-based capital ratio | 13.5044% | 4,222 |
| Total risk-based capital ratio | 14.7677% | 4,145 |
| Memoranda: | ||
| Average total assets | $2,595,963,670 | 314 |
| Average earning assets | $2,507,184,330 | 297 |
| Average equity | $336,768,330 | 286 |
| Average total loans | $2,249,038,670 | 267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,552 |
| Cost of funding earning assets | 0.2782% | 4,689 |
| Net interest margin | 4.1903% | 1,081 |
| Noninterest income to average assets | 1.2058% | 782 |
| Noninterest expense to average assets | 3.8251% | 851 |
| Loan and lease loss provision to assets | -0.0487% | 6,155 |
| Net operating income to assets | 1.4489% | 944 |
| Return on assets (ROA) | 1.4958% | 908 |
| Pretax return on assets | 1.5319% | 1,454 |
| Return on Equity (ROE) | 11.5401% | 1,468 |
| Retained earnings to average equity (ytd only) | 9.1486% | 1,148 |
| Net charge-offs to loans | -0.0167% | 4,959 |
| Credit loss provision to net charge-offs | 337.6344% | 746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7136% | 3,048 |
| Assets per employee ($millions) | 5.9932% | 1,407 |
| Cash dividends to net income (ytd only)* | 20.7232% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4023% | 611 |
| Loan loss allowance to noncurrent loans | 224.8177% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 2,526 |
| Noncurrent loans to loans | 1.0686% | 2,627 |
| Net loans and leases to total assets | 86.3455% | 168 |
| Net loans and leases to deposits | 115.2682% | 141 |
| Net loans and leases to core deposits | 121.2342% | 380 |
| Total domestic deposits to total assets | 74.9084% | 5,836 |
| Equity capital to assets | 13.2720% | 1,271 |
| Core capital (leverage) ratio | 13.1601% | 1,107 |
| Tier 1 risk-based capital ratio | 14.0057% | 4,010 |
| Total risk-based capital ratio | 15.2586% | 3,932 |
| Memoranda: | ||
| Average total assets | $2,580,776,000 | 314 |
| Average earning assets | $2,497,187,500 | 297 |
| Average equity | $334,521,500 | 286 |
| Average total loans | $2,222,273,500 | 267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,268 |
| Cost of funding earning assets | 0.2707% | 5,091 |
| Net interest margin | 4.4442% | 825 |
| Noninterest income to average assets | 0.8722% | 1,598 |
| Noninterest expense to average assets | 3.9783% | 771 |
| Loan and lease loss provision to assets | 0.1840% | 1,394 |
| Net operating income to assets | 0.9595% | 2,584 |
| Return on assets (ROA) | 0.9478% | 2,730 |
| Pretax return on assets | 0.9772% | 3,586 |
| Return on Equity (ROE) | 7.4573% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.3562% | 3,081 |
| Net charge-offs to loans | -0.0341% | 5,826 |
| Credit loss provision to net charge-offs | -638.7141% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2261% | 2,326 |
| Assets per employee ($millions) | 6.0805% | 1,327 |
| Cash dividends to net income (ytd only)* | 41.5852% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5091% | 543 |
| Loan loss allowance to noncurrent loans | 303.4359% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 3,142 |
| Noncurrent loans to loans | 0.8269% | 3,243 |
| Net loans and leases to total assets | 81.6917% | 557 |
| Net loans and leases to deposits | 105.2691% | 387 |
| Net loans and leases to core deposits | 110.4143% | 757 |
| Total domestic deposits to total assets | 77.6027% | 5,507 |
| Equity capital to assets | 12.6752% | 1,552 |
| Core capital (leverage) ratio | 12.5301% | 1,344 |
| Tier 1 risk-based capital ratio | 14.7938% | 3,604 |
| Total risk-based capital ratio | 16.0632% | 3,526 |
| Memoranda: | ||
| Average total assets | $2,537,148,200 | 298 |
| Average earning assets | $2,442,999,600 | 288 |
| Average equity | $322,463,200 | 280 |
| Average total loans | $2,140,966,800 | 257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 1,183 |
| Cost of funding earning assets | 0.2663% | 5,247 |
| Net interest margin | 4.4888% | 755 |
| Noninterest income to average assets | 0.8727% | 1,614 |
| Noninterest expense to average assets | 3.8044% | 967 |
| Loan and lease loss provision to assets | 0.1605% | 1,552 |
| Net operating income to assets | 1.2025% | 1,673 |
| Return on assets (ROA) | 1.2025% | 1,741 |
| Pretax return on assets | 1.2238% | 2,678 |
| Return on Equity (ROE) | 9.4549% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.1260% | 2,330 |
| Net charge-offs to loans | -0.0437% | 5,858 |
| Credit loss provision to net charge-offs | -434.3840% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3216% | 2,935 |
| Assets per employee ($millions) | 6.1248% | 1,247 |
| Cash dividends to net income (ytd only)* | 35.2082% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4595% | 677 |
| Loan loss allowance to noncurrent loans | 364.7232% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 3,685 |
| Noncurrent loans to loans | 0.6743% | 3,923 |
| Net loans and leases to total assets | 82.3687% | 477 |
| Net loans and leases to deposits | 108.5360% | 252 |
| Net loans and leases to core deposits | 114.4064% | 575 |
| Total domestic deposits to total assets | 75.8907% | 5,833 |
| Equity capital to assets | 12.8039% | 1,521 |
| Core capital (leverage) ratio | 13.0144% | 1,169 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,614 |
| Total risk-based capital ratio | 16.2210% | 3,533 |
| Memoranda: | ||
| Average total assets | $2,519,303,500 | 299 |
| Average earning assets | $2,422,358,750 | 286 |
| Average equity | $320,420,000 | 273 |
| Average total loans | $2,129,760,500 | 255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 1,228 |
| Cost of funding earning assets | 0.2612% | 5,373 |
| Net interest margin | 4.4670% | 757 |
| Noninterest income to average assets | 1.0159% | 1,155 |
| Noninterest expense to average assets | 3.4892% | 1,499 |
| Loan and lease loss provision to assets | 0.1840% | 1,329 |
| Net operating income to assets | 1.6168% | 681 |
| Return on assets (ROA) | 1.6168% | 707 |
| Pretax return on assets | 1.6303% | 1,180 |
| Return on Equity (ROE) | 12.7413% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.5962% | 817 |
| Net charge-offs to loans | -0.0060% | 5,208 |
| Credit loss provision to net charge-offs | -3,601.5625% | 5,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7907% | 4,390 |
| Assets per employee ($millions) | 5.8626% | 1,377 |
| Cash dividends to net income (ytd only)* | 24.6840% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3940% | 815 |
| Loan loss allowance to noncurrent loans | 317.5339% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 3,494 |
| Noncurrent loans to loans | 0.7539% | 3,817 |
| Net loans and leases to total assets | 84.1884% | 287 |
| Net loans and leases to deposits | 116.2718% | 115 |
| Net loans and leases to core deposits | 122.9540% | 319 |
| Total domestic deposits to total assets | 72.4065% | 6,221 |
| Equity capital to assets | 13.1208% | 1,311 |
| Core capital (leverage) ratio | 13.2391% | 1,070 |
| Tier 1 risk-based capital ratio | 14.7716% | 3,770 |
| Total risk-based capital ratio | 16.0387% | 3,705 |
| Memoranda: | ||
| Average total assets | $2,505,680,000 | 298 |
| Average earning assets | $2,405,034,670 | 283 |
| Average equity | $317,959,000 | 273 |
| Average total loans | $2,119,029,000 | 252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 1,399 |
| Cost of funding earning assets | 0.2606% | 5,480 |
| Net interest margin | 4.3800% | 839 |
| Noninterest income to average assets | 0.9259% | 1,317 |
| Noninterest expense to average assets | 3.4180% | 1,654 |
| Loan and lease loss provision to assets | 0.2566% | 835 |
| Net operating income to assets | 1.4670% | 867 |
| Return on assets (ROA) | 1.4670% | 895 |
| Pretax return on assets | 1.4588% | 1,555 |
| Return on Equity (ROE) | 11.7608% | 1,475 |
| Retained earnings to average equity (ytd only) | 10.4801% | 847 |
| Net charge-offs to loans | 0.0328% | 2,931 |
| Credit loss provision to net charge-offs | 933.7209% | 332 |
| Earnings coverage of net charge-offs (x) | 62.4302% | 636 |
| Efficiency ratio | 66.5837% | 4,430 |
| Assets per employee ($millions) | 5.9948% | 1,306 |
| Cash dividends to net income (ytd only)* | 10.8897% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4114% | 899 |
| Loan loss allowance to noncurrent loans | 273.4734% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 3,363 |
| Noncurrent loans to loans | 0.8818% | 3,678 |
| Net loans and leases to total assets | 83.3633% | 273 |
| Net loans and leases to deposits | 110.0282% | 151 |
| Net loans and leases to core deposits | 114.7160% | 440 |
| Total domestic deposits to total assets | 75.7654% | 6,095 |
| Equity capital to assets | 12.8916% | 1,359 |
| Core capital (leverage) ratio | 12.8476% | 1,224 |
| Tier 1 risk-based capital ratio | 14.6662% | 3,907 |
| Total risk-based capital ratio | 15.9308% | 3,850 |
| Memoranda: | ||
| Average total assets | $2,503,928,000 | 298 |
| Average earning assets | $2,405,306,500 | 282 |
| Average equity | $312,326,000 | 274 |
| Average total loans | $2,096,417,000 | 251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,998 |
| Cost of funding earning assets | 0.2306% | 6,092 |
| Net interest margin | 4.3302% | 1,034 |
| Noninterest income to average assets | 0.8726% | 1,776 |
| Noninterest expense to average assets | 3.8060% | 1,126 |
| Loan and lease loss provision to assets | 0.1849% | 1,990 |
| Net operating income to assets | 1.0418% | 2,146 |
| Return on assets (ROA) | 1.0449% | 2,206 |
| Pretax return on assets | 1.0597% | 3,113 |
| Return on Equity (ROE) | 8.1659% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.5796% | 2,900 |
| Net charge-offs to loans | 0.0869% | 3,986 |
| Credit loss provision to net charge-offs | 251.3897% | 901 |
| Earnings coverage of net charge-offs (x) | 16.8809% | 1,761 |
| Efficiency ratio | 75.4033% | 2,877 |
| Assets per employee ($millions) | 6.0718% | 1,228 |
| Cash dividends to net income (ytd only)* | 43.9174% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3736% | 958 |
| Loan loss allowance to noncurrent loans | 221.6082% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 3,367 |
| Noncurrent loans to loans | 1.0711% | 3,379 |
| Net loans and leases to total assets | 80.1246% | 581 |
| Net loans and leases to deposits | 102.0566% | 394 |
| Net loans and leases to core deposits | 106.1782% | 788 |
| Total domestic deposits to total assets | 78.5099% | 5,737 |
| Equity capital to assets | 12.0665% | 1,759 |
| Core capital (leverage) ratio | 12.6148% | 1,297 |
| Tier 1 risk-based capital ratio | 14.2367% | 4,126 |
| Total risk-based capital ratio | 15.4994% | 4,061 |
| Memoranda: | ||
| Average total assets | $2,397,122,800 | 304 |
| Average earning assets | $2,311,177,600 | 284 |
| Average equity | $306,726,800 | 271 |
| Average total loans | $2,028,703,400 | 251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 1,863 |
| Cost of funding earning assets | 0.2301% | 6,228 |
| Net interest margin | 4.3809% | 933 |
| Noninterest income to average assets | 0.8607% | 1,892 |
| Noninterest expense to average assets | 3.8268% | 1,049 |
| Loan and lease loss provision to assets | 0.0809% | 3,442 |
| Net operating income to assets | 1.1648% | 1,758 |
| Return on assets (ROA) | 1.1690% | 1,819 |
| Pretax return on assets | 1.1829% | 2,772 |
| Return on Equity (ROE) | 8.9980% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.9564% | 2,441 |
| Net charge-offs to loans | 0.0977% | 3,581 |
| Credit loss provision to net charge-offs | 97.0210% | 2,466 |
| Earnings coverage of net charge-offs (x) | 15.1063% | 1,889 |
| Efficiency ratio | 75.2370% | 2,859 |
| Assets per employee ($millions) | 5.7351% | 1,417 |
| Cash dividends to net income (ytd only)* | 33.8034% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 1,089 |
| Loan loss allowance to noncurrent loans | 216.2525% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 3,490 |
| Noncurrent loans to loans | 1.0933% | 3,605 |
| Net loans and leases to total assets | 80.8845% | 464 |
| Net loans and leases to deposits | 104.5382% | 276 |
| Net loans and leases to core deposits | 109.3520% | 605 |
| Total domestic deposits to total assets | 77.3732% | 5,993 |
| Equity capital to assets | 12.9812% | 1,340 |
| Core capital (leverage) ratio | 13.2087% | 1,128 |
| Tier 1 risk-based capital ratio | 14.9325% | 3,797 |
| Total risk-based capital ratio | 16.1968% | 3,734 |
| Memoranda: | ||
| Average total assets | $2,361,900,250 | 308 |
| Average earning assets | $2,278,176,500 | 292 |
| Average equity | $306,846,000 | 268 |
| Average total loans | $2,015,125,500 | 250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 1,857 |
| Cost of funding earning assets | 0.2317% | 6,293 |
| Net interest margin | 4.3681% | 906 |
| Noninterest income to average assets | 0.8226% | 2,100 |
| Noninterest expense to average assets | 3.7453% | 1,170 |
| Loan and lease loss provision to assets | 0.1935% | 1,964 |
| Net operating income to assets | 1.0901% | 1,953 |
| Return on assets (ROA) | 1.0964% | 2,054 |
| Pretax return on assets | 1.1052% | 3,079 |
| Return on Equity (ROE) | 8.4370% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.1678% | 2,946 |
| Net charge-offs to loans | 0.1513% | 2,891 |
| Credit loss provision to net charge-offs | 148.5007% | 1,552 |
| Earnings coverage of net charge-offs (x) | 9.9159% | 2,218 |
| Efficiency ratio | 74.3456% | 3,067 |
| Assets per employee ($millions) | 5.4418% | 1,639 |
| Cash dividends to net income (ytd only)* | 38.7477% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3251% | 1,221 |
| Loan loss allowance to noncurrent loans | 189.5715% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 3,216 |
| Noncurrent loans to loans | 1.2265% | 3,505 |
| Net loans and leases to total assets | 85.5071% | 164 |
| Net loans and leases to deposits | 109.7689% | 147 |
| Net loans and leases to core deposits | 114.9669% | 417 |
| Total domestic deposits to total assets | 77.8974% | 5,998 |
| Equity capital to assets | 13.0670% | 1,323 |
| Core capital (leverage) ratio | 13.2774% | 1,062 |
| Tier 1 risk-based capital ratio | 14.1242% | 4,342 |
| Total risk-based capital ratio | 15.3867% | 4,292 |
| Memoranda: | ||
| Average total assets | $2,353,927,330 | 314 |
| Average earning assets | $2,271,485,330 | 292 |
| Average equity | $305,892,000 | 269 |
| Average total loans | $2,028,004,670 | 251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,845 |
| Cost of funding earning assets | 0.2406% | 6,347 |
| Net interest margin | 4.3523% | 876 |
| Noninterest income to average assets | 0.7766% | 2,229 |
| Noninterest expense to average assets | 3.7810% | 1,137 |
| Loan and lease loss provision to assets | 0.2259% | 1,628 |
| Net operating income to assets | 0.9797% | 2,321 |
| Return on assets (ROA) | 0.9235% | 2,695 |
| Pretax return on assets | 0.9144% | 3,709 |
| Return on Equity (ROE) | 7.1261% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.8202% | 2,769 |
| Net charge-offs to loans | 0.1752% | 2,344 |
| Credit loss provision to net charge-offs | 150.8475% | 1,360 |
| Earnings coverage of net charge-offs (x) | 7.9887% | 1,996 |
| Efficiency ratio | 75.9622% | 2,932 |
| Assets per employee ($millions) | 5.3495% | 1,810 |
| Cash dividends to net income (ytd only)* | 18.3251% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3529% | 1,331 |
| Loan loss allowance to noncurrent loans | 175.2607% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 3,202 |
| Noncurrent loans to loans | 1.3425% | 3,550 |
| Net loans and leases to total assets | 85.3981% | 144 |
| Net loans and leases to deposits | 107.9040% | 161 |
| Net loans and leases to core deposits | 113.3120% | 409 |
| Total domestic deposits to total assets | 79.1426% | 5,935 |
| Equity capital to assets | 13.4183% | 1,240 |
| Core capital (leverage) ratio | 12.8292% | 1,183 |
| Tier 1 risk-based capital ratio | 13.8250% | 4,633 |
| Total risk-based capital ratio | 15.0890% | 4,582 |
| Memoranda: | ||
| Average total assets | $2,363,630,500 | 315 |
| Average earning assets | $2,281,388,000 | 296 |
| Average equity | $306,311,500 | 274 |
| Average total loans | $2,020,157,500 | 252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 3,066 |
| Cost of funding earning assets | 0.3324% | 6,301 |
| Net interest margin | 4.2502% | 1,518 |
| Noninterest income to average assets | 0.8664% | 1,968 |
| Noninterest expense to average assets | 3.6846% | 1,443 |
| Loan and lease loss provision to assets | 0.1607% | 3,607 |
| Net operating income to assets | 1.0818% | 2,002 |
| Return on assets (ROA) | 1.2190% | 1,707 |
| Pretax return on assets | 1.2462% | 2,613 |
| Return on Equity (ROE) | 9.9616% | 2,188 |
| Retained earnings to average equity (ytd only) | 8.9430% | 844 |
| Net charge-offs to loans | 0.1059% | 4,603 |
| Credit loss provision to net charge-offs | 192.5797% | 1,359 |
| Earnings coverage of net charge-offs (x) | 15.1858% | 1,669 |
| Efficiency ratio | 74.4130% | 3,005 |
| Assets per employee ($millions) | 5.7912% | 1,433 |
| Cash dividends to net income (ytd only)* | 10.2256% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3005% | 1,368 |
| Loan loss allowance to noncurrent loans | 159.8073% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 3,321 |
| Noncurrent loans to loans | 1.4395% | 3,440 |
| Net loans and leases to total assets | 81.6702% | 344 |
| Net loans and leases to deposits | 100.8689% | 382 |
| Net loans and leases to core deposits | 105.7599% | 701 |
| Total domestic deposits to total assets | 80.9667% | 5,416 |
| Equity capital to assets | 12.5263% | 1,690 |
| Core capital (leverage) ratio | 12.2572% | 1,425 |
| Tier 1 risk-based capital ratio | 13.7423% | 4,573 |
| Total risk-based capital ratio | 15.0052% | 4,517 |
| Memoranda: | ||
| Average total assets | $2,406,797,000 | 302 |
| Average earning assets | $2,313,359,000 | 284 |
| Average equity | $294,510,800 | 276 |
| Average total loans | $1,895,964,600 | 258 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 2,802 |
| Cost of funding earning assets | 0.3446% | 6,404 |
| Net interest margin | 4.3565% | 1,333 |
| Noninterest income to average assets | 0.8534% | 2,010 |
| Noninterest expense to average assets | 3.7146% | 1,344 |
| Loan and lease loss provision to assets | 0.1665% | 3,450 |
| Net operating income to assets | 1.1459% | 1,922 |
| Return on assets (ROA) | 1.2547% | 1,724 |
| Pretax return on assets | 1.2687% | 2,714 |
| Return on Equity (ROE) | 10.3159% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.3159% | 834 |
| Net charge-offs to loans | 0.0872% | 4,515 |
| Credit loss provision to net charge-offs | 246.3435% | 1,124 |
| Earnings coverage of net charge-offs (x) | 19.6064% | 1,486 |
| Efficiency ratio | 73.7034% | 3,037 |
| Assets per employee ($millions) | 5.7160% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4229% | 1,314 |
| Loan loss allowance to noncurrent loans | 136.3865% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 3,065 |
| Noncurrent loans to loans | 1.7765% | 3,115 |
| Net loans and leases to total assets | 79.0876% | 592 |
| Net loans and leases to deposits | 99.6256% | 460 |
| Net loans and leases to core deposits | 105.3063% | 784 |
| Total domestic deposits to total assets | 79.3849% | 5,786 |
| Equity capital to assets | 12.7517% | 1,741 |
| Core capital (leverage) ratio | 12.5551% | 1,379 |
| Tier 1 risk-based capital ratio | 14.0195% | 4,504 |
| Total risk-based capital ratio | 15.2836% | 4,457 |
| Memoranda: | ||
| Average total assets | $2,400,418,750 | 299 |
| Average earning assets | $2,306,789,000 | 280 |
| Average equity | $291,968,750 | 277 |
| Average total loans | $1,861,644,000 | 259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 2,864 |
| Cost of funding earning assets | 0.3666% | 6,437 |
| Net interest margin | 4.3454% | 1,350 |
| Noninterest income to average assets | 0.9137% | 1,732 |
| Noninterest expense to average assets | 3.6802% | 1,411 |
| Loan and lease loss provision to assets | 0.1738% | 3,368 |
| Net operating income to assets | 1.2241% | 1,627 |
| Return on assets (ROA) | 1.3313% | 1,512 |
| Pretax return on assets | 1.3401% | 2,426 |
| Return on Equity (ROE) | 11.1221% | 1,948 |
| Retained earnings to average equity (ytd only) | 11.1221% | 727 |
| Net charge-offs to loans | 0.0589% | 4,594 |
| Credit loss provision to net charge-offs | 385.9779% | 769 |
| Earnings coverage of net charge-offs (x) | 31.2232% | 1,043 |
| Efficiency ratio | 72.3620% | 3,367 |
| Assets per employee ($millions) | 5.7077% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,320 |
| Loan loss allowance to noncurrent loans | 118.3158% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 2,955 |
| Noncurrent loans to loans | 2.0893% | 2,835 |
| Net loans and leases to total assets | 78.9119% | 624 |
| Net loans and leases to deposits | 98.3803% | 504 |
| Net loans and leases to core deposits | 104.4718% | 826 |
| Total domestic deposits to total assets | 80.2111% | 5,687 |
| Equity capital to assets | 12.8016% | 1,627 |
| Core capital (leverage) ratio | 12.2798% | 1,454 |
| Tier 1 risk-based capital ratio | 13.9215% | 4,504 |
| Total risk-based capital ratio | 15.1867% | 4,469 |
| Memoranda: | ||
| Average total assets | $2,407,935,000 | 299 |
| Average earning assets | $2,311,873,330 | 281 |
| Average equity | $288,219,000 | 282 |
| Average total loans | $1,839,759,670 | 259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 3,609 |
| Cost of funding earning assets | 0.3888% | 6,461 |
| Net interest margin | 4.1887% | 1,787 |
| Noninterest income to average assets | 0.7721% | 2,288 |
| Noninterest expense to average assets | 3.6339% | 1,494 |
| Loan and lease loss provision to assets | 0.1894% | 3,063 |
| Net operating income to assets | 0.9447% | 2,720 |
| Return on assets (ROA) | 1.0740% | 2,374 |
| Pretax return on assets | 1.0906% | 3,361 |
| Return on Equity (ROE) | 9.2781% | 2,693 |
| Retained earnings to average equity (ytd only) | 9.2781% | 1,488 |
| Net charge-offs to loans | 0.5864% | 1,627 |
| Credit loss provision to net charge-offs | 43.4783% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.6361% | 3,124 |
| Efficiency ratio | 75.9917% | 2,791 |
| Assets per employee ($millions) | 6.0039% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 1,520 |
| Loan loss allowance to noncurrent loans | 102.3050% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9828% | 2,924 |
| Noncurrent loans to loans | 2.3385% | 2,762 |
| Net loans and leases to total assets | 73.3750% | 1,157 |
| Net loans and leases to deposits | 91.1521% | 863 |
| Net loans and leases to core deposits | 96.0070% | 1,302 |
| Total domestic deposits to total assets | 80.4973% | 5,724 |
| Equity capital to assets | 11.8619% | 2,137 |
| Core capital (leverage) ratio | 11.3946% | 1,964 |
| Tier 1 risk-based capital ratio | 13.7291% | 4,662 |
| Total risk-based capital ratio | 14.9912% | 4,638 |
| Memoranda: | ||
| Average total assets | $2,450,378,000 | 291 |
| Average earning assets | $2,345,744,500 | 276 |
| Average equity | $283,634,500 | 282 |
| Average total loans | $1,819,825,500 | 258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 3,900 |
| Cost of funding earning assets | 0.5595% | 6,292 |
| Net interest margin | 4.2213% | 1,992 |
| Noninterest income to average assets | 0.6868% | 2,680 |
| Noninterest expense to average assets | 4.4488% | 611 |
| Loan and lease loss provision to assets | -0.3821% | 7,329 |
| Net operating income to assets | 0.6703% | 3,627 |
| Return on assets (ROA) | 1.0917% | 1,981 |
| Pretax return on assets | 1.0942% | 2,860 |
| Return on Equity (ROE) | 9.6850% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.2220% | 1,011 |
| Net charge-offs to loans | 0.2118% | 4,463 |
| Credit loss provision to net charge-offs | -248.3785% | 6,764 |
| Earnings coverage of net charge-offs (x) | 1.8901% | 4,360 |
| Efficiency ratio | 93.8658% | 932 |
| Assets per employee ($millions) | 5.9645% | 1,256 |
| Cash dividends to net income (ytd only)* | 15.1057% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4607% | 1,374 |
| Loan loss allowance to noncurrent loans | 118.1694% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 3,287 |
| Noncurrent loans to loans | 2.0824% | 3,092 |
| Net loans and leases to total assets | 71.5818% | 1,718 |
| Net loans and leases to deposits | 89.2407% | 1,235 |
| Net loans and leases to core deposits | 94.4217% | 1,646 |
| Total domestic deposits to total assets | 80.2120% | 5,681 |
| Equity capital to assets | 11.2968% | 2,697 |
| Core capital (leverage) ratio | 10.7554% | 2,468 |
| Tier 1 risk-based capital ratio | 13.6098% | 4,613 |
| Total risk-based capital ratio | 14.8727% | 4,574 |
| Memoranda: | ||
| Average total assets | $2,425,588,600 | 287 |
| Average earning assets | $2,328,736,800 | 270 |
| Average equity | $273,412,000 | 282 |
| Average total loans | $1,761,405,200 | 258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 3,927 |
| Cost of funding earning assets | 0.5926% | 6,312 |
| Net interest margin | 4.2307% | 1,986 |
| Noninterest income to average assets | 0.5607% | 3,442 |
| Noninterest expense to average assets | 3.7614% | 1,381 |
| Loan and lease loss provision to assets | -0.5177% | 7,412 |
| Net operating income to assets | 1.3292% | 1,310 |
| Return on assets (ROA) | 1.8117% | 549 |
| Pretax return on assets | 1.8862% | 808 |
| Return on Equity (ROE) | 16.0818% | 671 |
| Retained earnings to average equity (ytd only) | 16.0818% | 176 |
| Net charge-offs to loans | 0.1468% | 4,599 |
| Credit loss provision to net charge-offs | -486.8887% | 6,663 |
| Earnings coverage of net charge-offs (x) | 8.1446% | 2,228 |
| Efficiency ratio | 81.2859% | 2,077 |
| Assets per employee ($millions) | 6.2376% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 1,168 |
| Loan loss allowance to noncurrent loans | 111.1686% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 3,166 |
| Noncurrent loans to loans | 2.3998% | 2,888 |
| Net loans and leases to total assets | 67.6805% | 2,542 |
| Net loans and leases to deposits | 84.2401% | 1,965 |
| Net loans and leases to core deposits | 89.7142% | 2,290 |
| Total domestic deposits to total assets | 80.3425% | 5,638 |
| Equity capital to assets | 11.5881% | 2,602 |
| Core capital (leverage) ratio | 11.3558% | 2,129 |
| Tier 1 risk-based capital ratio | 14.7638% | 3,796 |
| Total risk-based capital ratio | 16.0282% | 3,762 |
| Memoranda: | ||
| Average total assets | $2,410,187,750 | 290 |
| Average earning assets | $2,316,778,500 | 272 |
| Average equity | $271,521,500 | 287 |
| Average total loans | $1,745,433,500 | 260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,829 |
| Cost of funding earning assets | 0.6165% | 6,380 |
| Net interest margin | 4.2413% | 1,872 |
| Noninterest income to average assets | 0.4762% | 4,057 |
| Noninterest expense to average assets | 3.6342% | 1,664 |
| Loan and lease loss provision to assets | -0.8034% | 7,495 |
| Net operating income to assets | 1.7300% | 565 |
| Return on assets (ROA) | 2.0511% | 327 |
| Pretax return on assets | 2.0446% | 540 |
| Return on Equity (ROE) | 18.3928% | 431 |
| Retained earnings to average equity (ytd only) | 18.3928% | 127 |
| Net charge-offs to loans | 0.2168% | 3,834 |
| Credit loss provision to net charge-offs | -504.6536% | 6,501 |
| Earnings coverage of net charge-offs (x) | 5.7790% | 2,530 |
| Efficiency ratio | 79.7989% | 2,417 |
| Assets per employee ($millions) | 6.0151% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6099% | 1,301 |
| Loan loss allowance to noncurrent loans | 104.7745% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 2.1288% | 3,073 |
| Noncurrent loans to loans | 2.4910% | 2,893 |
| Net loans and leases to total assets | 72.4474% | 1,699 |
| Net loans and leases to deposits | 90.0448% | 1,266 |
| Net loans and leases to core deposits | 96.5515% | 1,624 |
| Total domestic deposits to total assets | 80.4571% | 5,688 |
| Equity capital to assets | 11.7295% | 2,304 |
| Core capital (leverage) ratio | 11.5171% | 1,900 |
| Tier 1 risk-based capital ratio | 13.9716% | 4,188 |
| Total risk-based capital ratio | 15.2354% | 4,156 |
| Memoranda: | ||
| Average total assets | $2,375,664,670 | 300 |
| Average earning assets | $2,284,136,330 | 275 |
| Average equity | $264,930,000 | 294 |
| Average total loans | $1,744,592,330 | 266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 3,799 |
| Cost of funding earning assets | 0.6257% | 6,497 |
| Net interest margin | 4.2284% | 1,809 |
| Noninterest income to average assets | 0.4325% | 4,434 |
| Noninterest expense to average assets | 3.6591% | 1,632 |
| Loan and lease loss provision to assets | 0.2718% | 2,976 |
| Net operating income to assets | 0.5630% | 4,222 |
| Return on assets (ROA) | 0.5622% | 4,303 |
| Pretax return on assets | 0.5603% | 4,828 |
| Return on Equity (ROE) | 5.1768% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.1768% | 3,072 |
| Net charge-offs to loans | 0.2252% | 3,188 |
| Credit loss provision to net charge-offs | 165.4321% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.0700% | 2,341 |
| Efficiency ratio | 81.4570% | 2,310 |
| Assets per employee ($millions) | 5.9473% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4459% | 639 |
| Loan loss allowance to noncurrent loans | 148.7714% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 3,277 |
| Noncurrent loans to loans | 2.3162% | 3,171 |
| Net loans and leases to total assets | 70.0113% | 2,127 |
| Net loans and leases to deposits | 85.9476% | 1,738 |
| Net loans and leases to core deposits | 92.4719% | 2,072 |
| Total domestic deposits to total assets | 81.4581% | 5,508 |
| Equity capital to assets | 11.0148% | 2,673 |
| Core capital (leverage) ratio | 10.6954% | 2,439 |
| Tier 1 risk-based capital ratio | 13.2808% | 4,595 |
| Total risk-based capital ratio | 14.5535% | 4,557 |
| Memoranda: | ||
| Average total assets | $2,366,494,000 | 302 |
| Average earning assets | $2,271,945,500 | 279 |
| Average equity | $256,992,000 | 297 |
| Average total loans | $1,726,451,000 | 270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 2,819 |
| Cost of funding earning assets | 0.8131% | 6,506 |
| Net interest margin | 4.5549% | 1,123 |
| Noninterest income to average assets | 0.4738% | 4,358 |
| Noninterest expense to average assets | 3.5988% | 1,927 |
| Loan and lease loss provision to assets | 0.6954% | 2,359 |
| Net operating income to assets | 0.5246% | 3,984 |
| Return on assets (ROA) | 0.5246% | 4,139 |
| Pretax return on assets | 0.5388% | 4,504 |
| Return on Equity (ROE) | 4.7225% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.2906% | 5,438 |
| Net charge-offs to loans | 0.6228% | 3,164 |
| Credit loss provision to net charge-offs | 138.3560% | 2,757 |
| Earnings coverage of net charge-offs (x) | 2.4556% | 3,896 |
| Efficiency ratio | 74.4632% | 3,305 |
| Assets per employee ($millions) | 6.2071% | 1,082 |
| Cash dividends to net income (ytd only)* | 93.8469% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3021% | 681 |
| Loan loss allowance to noncurrent loans | 146.2006% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0050% | 3,340 |
| Noncurrent loans to loans | 2.2586% | 3,262 |
| Net loans and leases to total assets | 70.9659% | 2,315 |
| Net loans and leases to deposits | 86.5745% | 1,992 |
| Net loans and leases to core deposits | 93.2323% | 2,352 |
| Total domestic deposits to total assets | 81.9709% | 5,200 |
| Equity capital to assets | 10.7074% | 2,948 |
| Core capital (leverage) ratio | 10.2775% | 2,790 |
| Tier 1 risk-based capital ratio | 12.7639% | 4,807 |
| Total risk-based capital ratio | 14.0352% | 4,750 |
| Memoranda: | ||
| Average total assets | $2,335,862,800 | 305 |
| Average earning assets | $2,235,526,800 | 286 |
| Average equity | $259,483,800 | 290 |
| Average total loans | $1,884,943,000 | 255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 2,506 |
| Cost of funding earning assets | 0.8566% | 6,560 |
| Net interest margin | 4.6258% | 992 |
| Noninterest income to average assets | 0.4746% | 4,384 |
| Noninterest expense to average assets | 3.3776% | 2,364 |
| Loan and lease loss provision to assets | 0.7134% | 2,138 |
| Net operating income to assets | 0.7781% | 3,097 |
| Return on assets (ROA) | 0.7781% | 3,255 |
| Pretax return on assets | 0.8056% | 3,883 |
| Return on Equity (ROE) | 6.9403% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.1240% | 3,567 |
| Net charge-offs to loans | 0.6875% | 2,707 |
| Credit loss provision to net charge-offs | 125.6776% | 3,256 |
| Earnings coverage of net charge-offs (x) | 2.6759% | 3,810 |
| Efficiency ratio | 68.9780% | 4,271 |
| Assets per employee ($millions) | 6.1460% | 1,145 |
| Cash dividends to net income (ytd only)* | 40.5784% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9934% | 823 |
| Loan loss allowance to noncurrent loans | 191.0547% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 3,980 |
| Noncurrent loans to loans | 1.5668% | 4,291 |
| Net loans and leases to total assets | 76.2866% | 1,352 |
| Net loans and leases to deposits | 93.0840% | 1,321 |
| Net loans and leases to core deposits | 100.7669% | 1,772 |
| Total domestic deposits to total assets | 81.9546% | 5,014 |
| Equity capital to assets | 11.1952% | 2,779 |
| Core capital (leverage) ratio | 11.2076% | 2,122 |
| Tier 1 risk-based capital ratio | 12.5863% | 4,909 |
| Total risk-based capital ratio | 13.8546% | 4,866 |
| Memoranda: | ||
| Average total assets | $2,322,395,000 | 305 |
| Average earning assets | $2,220,070,500 | 286 |
| Average equity | $260,385,000 | 286 |
| Average total loans | $1,917,726,250 | 251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 1,934 |
| Cost of funding earning assets | 0.8988% | 6,588 |
| Net interest margin | 4.7527% | 722 |
| Noninterest income to average assets | 0.4441% | 4,569 |
| Noninterest expense to average assets | 3.3933% | 2,276 |
| Loan and lease loss provision to assets | 0.8773% | 1,658 |
| Net operating income to assets | 0.6890% | 3,451 |
| Return on assets (ROA) | 0.6890% | 3,600 |
| Pretax return on assets | 0.7203% | 4,163 |
| Return on Equity (ROE) | 6.1419% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.6653% | 4,450 |
| Net charge-offs to loans | 0.8498% | 2,129 |
| Credit loss provision to net charge-offs | 123.0162% | 3,285 |
| Earnings coverage of net charge-offs (x) | 2.2402% | 3,885 |
| Efficiency ratio | 67.9892% | 4,584 |
| Assets per employee ($millions) | 5.7697% | 1,394 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8556% | 951 |
| Loan loss allowance to noncurrent loans | 153.6568% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 1.9255% | 3,588 |
| Noncurrent loans to loans | 1.8584% | 3,922 |
| Net loans and leases to total assets | 81.2671% | 633 |
| Net loans and leases to deposits | 101.0960% | 646 |
| Net loans and leases to core deposits | 110.0800% | 1,156 |
| Total domestic deposits to total assets | 80.3861% | 5,597 |
| Equity capital to assets | 11.3986% | 2,523 |
| Core capital (leverage) ratio | 11.0766% | 2,182 |
| Tier 1 risk-based capital ratio | 12.1298% | 5,187 |
| Total risk-based capital ratio | 13.3964% | 5,155 |
| Memoranda: | ||
| Average total assets | $2,307,783,670 | 305 |
| Average earning assets | $2,207,812,670 | 287 |
| Average equity | $258,878,670 | 286 |
| Average total loans | $1,936,696,000 | 252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 2,062 |
| Cost of funding earning assets | 0.9029% | 6,760 |
| Net interest margin | 4.7187% | 752 |
| Noninterest income to average assets | 0.4867% | 4,149 |
| Noninterest expense to average assets | 3.3013% | 2,528 |
| Loan and lease loss provision to assets | 1.0562% | 1,171 |
| Net operating income to assets | 0.6204% | 3,803 |
| Return on assets (ROA) | 0.6204% | 3,938 |
| Pretax return on assets | 0.6425% | 4,442 |
| Return on Equity (ROE) | 5.5748% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.5748% | 2,827 |
| Net charge-offs to loans | 1.4519% | 1,190 |
| Credit loss provision to net charge-offs | 86.5543% | 3,735 |
| Earnings coverage of net charge-offs (x) | 1.3920% | 3,911 |
| Efficiency ratio | 66.0258% | 5,110 |
| Assets per employee ($millions) | 5.4590% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7844% | 1,006 |
| Loan loss allowance to noncurrent loans | 114.3438% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 2.5005% | 2,907 |
| Noncurrent loans to loans | 2.4351% | 3,241 |
| Net loans and leases to total assets | 82.4208% | 542 |
| Net loans and leases to deposits | 104.1240% | 522 |
| Net loans and leases to core deposits | 113.6117% | 1,058 |
| Total domestic deposits to total assets | 79.1563% | 6,040 |
| Equity capital to assets | 11.3968% | 2,434 |
| Core capital (leverage) ratio | 10.7660% | 2,394 |
| Tier 1 risk-based capital ratio | 12.0572% | 5,144 |
| Total risk-based capital ratio | 13.3235% | 5,088 |
| Memoranda: | ||
| Average total assets | $2,313,511,000 | 315 |
| Average earning assets | $2,212,824,000 | 295 |
| Average equity | $257,443,000 | 290 |
| Average total loans | $1,944,535,000 | 260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 2,187 |
| Cost of funding earning assets | 1.5012% | 5,509 |
| Net interest margin | 4.4093% | 1,407 |
| Noninterest income to average assets | 0.5696% | 3,867 |
| Noninterest expense to average assets | 2.8749% | 4,633 |
| Loan and lease loss provision to assets | 1.8457% | 1,219 |
| Net operating income to assets | 0.0203% | 5,429 |
| Return on assets (ROA) | 0.0116% | 5,498 |
| Pretax return on assets | 0.0181% | 5,399 |
| Return on Equity (ROE) | 0.1122% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.1122% | 4,839 |
| Net charge-offs to loans | 1.7157% | 1,467 |
| Credit loss provision to net charge-offs | 127.0224% | 4,087 |
| Earnings coverage of net charge-offs (x) | 1.2920% | 4,836 |
| Efficiency ratio | 60.4959% | 6,409 |
| Assets per employee ($millions) | 5.6370% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8012% | 931 |
| Loan loss allowance to noncurrent loans | 97.6668% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 2.7893% | 2,506 |
| Noncurrent loans to loans | 2.8681% | 2,689 |
| Net loans and leases to total assets | 81.0095% | 836 |
| Net loans and leases to deposits | 101.5182% | 786 |
| Net loans and leases to core deposits | 119.0085% | 2,032 |
| Total domestic deposits to total assets | 79.7981% | 5,728 |
| Equity capital to assets | 10.8673% | 2,804 |
| Core capital (leverage) ratio | 10.2539% | 2,822 |
| Tier 1 risk-based capital ratio | 11.8127% | 5,099 |
| Total risk-based capital ratio | 13.0796% | 5,055 |
| Memoranda: | ||
| Average total assets | $2,467,145,800 | 298 |
| Average earning assets | $2,340,330,200 | 286 |
| Average equity | $255,865,400 | 282 |
| Average total loans | $2,089,403,400 | 251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 2,122 |
| Cost of funding earning assets | 1.6318% | 5,246 |
| Net interest margin | 4.3460% | 1,599 |
| Noninterest income to average assets | 0.5500% | 4,073 |
| Noninterest expense to average assets | 2.7934% | 4,924 |
| Loan and lease loss provision to assets | 1.6414% | 1,143 |
| Net operating income to assets | 0.2251% | 5,077 |
| Return on assets (ROA) | 0.2076% | 5,213 |
| Pretax return on assets | 0.2128% | 5,266 |
| Return on Equity (ROE) | 2.0241% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.0241% | 4,186 |
| Net charge-offs to loans | 1.7233% | 1,176 |
| Credit loss provision to net charge-offs | 112.0506% | 4,531 |
| Earnings coverage of net charge-offs (x) | 1.2780% | 4,817 |
| Efficiency ratio | 59.8734% | 6,431 |
| Assets per employee ($millions) | 5.6980% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4282% | 1,137 |
| Loan loss allowance to noncurrent loans | 77.0829% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 2,356 |
| Noncurrent loans to loans | 3.1501% | 2,400 |
| Net loans and leases to total assets | 80.0489% | 1,160 |
| Net loans and leases to deposits | 100.7191% | 1,044 |
| Net loans and leases to core deposits | 122.0024% | 2,073 |
| Total domestic deposits to total assets | 79.4774% | 5,633 |
| Equity capital to assets | 10.7863% | 3,221 |
| Core capital (leverage) ratio | 10.2974% | 2,979 |
| Tier 1 risk-based capital ratio | 11.7826% | 5,165 |
| Total risk-based capital ratio | 13.0448% | 5,103 |
| Memoranda: | ||
| Average total assets | $2,496,274,500 | 307 |
| Average earning assets | $2,363,894,750 | 295 |
| Average equity | $255,969,250 | 293 |
| Average total loans | $2,121,975,750 | 261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9455% | 2,401 |
| Cost of funding earning assets | 1.7298% | 5,126 |
| Net interest margin | 4.2157% | 1,938 |
| Noninterest income to average assets | 0.5760% | 3,863 |
| Noninterest expense to average assets | 2.7709% | 5,086 |
| Loan and lease loss provision to assets | 1.7504% | 953 |
| Net operating income to assets | 0.0962% | 5,576 |
| Return on assets (ROA) | 0.0725% | 5,735 |
| Pretax return on assets | 0.0813% | 5,714 |
| Return on Equity (ROE) | 0.7185% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.7185% | 4,904 |
| Net charge-offs to loans | 2.1762% | 843 |
| Credit loss provision to net charge-offs | 93.5797% | 4,811 |
| Earnings coverage of net charge-offs (x) | 0.9935% | 4,790 |
| Efficiency ratio | 59.8555% | 6,575 |
| Assets per employee ($millions) | 5.5738% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 1,420 |
| Loan loss allowance to noncurrent loans | 106.9107% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8494% | 3,400 |
| Noncurrent loans to loans | 1.9511% | 3,591 |
| Net loans and leases to total assets | 83.0513% | 780 |
| Net loans and leases to deposits | 105.0226% | 828 |
| Net loans and leases to core deposits | 128.8229% | 1,663 |
| Total domestic deposits to total assets | 79.0795% | 5,789 |
| Equity capital to assets | 10.3105% | 3,609 |
| Core capital (leverage) ratio | 9.9493% | 3,349 |
| Tier 1 risk-based capital ratio | 11.0253% | 5,846 |
| Total risk-based capital ratio | 12.2835% | 5,765 |
| Memoranda: | ||
| Average total assets | $2,523,052,000 | 311 |
| Average earning assets | $2,425,782,330 | 296 |
| Average equity | $254,429,000 | 301 |
| Average total loans | $2,168,612,670 | 265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9679% | 2,490 |
| Cost of funding earning assets | 1.8981% | 4,635 |
| Net interest margin | 4.0698% | 2,406 |
| Noninterest income to average assets | 0.5784% | 3,701 |
| Noninterest expense to average assets | 2.6563% | 5,197 |
| Loan and lease loss provision to assets | 1.7600% | 704 |
| Net operating income to assets | 0.0640% | 6,086 |
| Return on assets (ROA) | 0.0254% | 6,348 |
| Pretax return on assets | 0.0350% | 6,313 |
| Return on Equity (ROE) | 0.2548% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.2548% | 5,555 |
| Net charge-offs to loans | 2.4852% | 567 |
| Credit loss provision to net charge-offs | 81.8739% | 4,163 |
| Earnings coverage of net charge-offs (x) | 0.8596% | 4,336 |
| Efficiency ratio | 58.9747% | 6,558 |
| Assets per employee ($millions) | 5.7533% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 1,477 |
| Loan loss allowance to noncurrent loans | 78.6651% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3336% | 2,459 |
| Noncurrent loans to loans | 2.5062% | 2,627 |
| Net loans and leases to total assets | 84.7245% | 590 |
| Net loans and leases to deposits | 106.5150% | 826 |
| Net loans and leases to core deposits | 129.2396% | 1,707 |
| Total domestic deposits to total assets | 79.5423% | 5,528 |
| Equity capital to assets | 10.1711% | 3,794 |
| Core capital (leverage) ratio | 9.7284% | 3,712 |
| Tier 1 risk-based capital ratio | 10.6209% | 6,272 |
| Total risk-based capital ratio | 11.8778% | 6,183 |
| Memoranda: | ||
| Average total assets | $2,549,977,500 | 308 |
| Average earning assets | $2,459,760,500 | 293 |
| Average equity | $254,350,500 | 300 |
| Average total loans | $2,205,723,000 | 262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7124% | 1,985 |
| Cost of funding earning assets | 2.3046% | 5,127 |
| Net interest margin | 4.4078% | 1,666 |
| Noninterest income to average assets | 0.9920% | 1,603 |
| Noninterest expense to average assets | 3.8522% | 1,656 |
| Loan and lease loss provision to assets | 1.1134% | 1,301 |
| Net operating income to assets | 0.2655% | 5,661 |
| Return on assets (ROA) | 0.2339% | 5,570 |
| Pretax return on assets | 0.2241% | 5,676 |
| Return on Equity (ROE) | 2.2738% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.5000% | 4,325 |
| Net charge-offs to loans | 1.1012% | 1,108 |
| Credit loss provision to net charge-offs | 116.3257% | 4,636 |
| Earnings coverage of net charge-offs (x) | 1.4304% | 5,401 |
| Efficiency ratio | 73.7780% | 3,621 |
| Assets per employee ($millions) | 5.7334% | 1,299 |
| Cash dividends to net income (ytd only)* | 34.0310% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 1,245 |
| Loan loss allowance to noncurrent loans | 103.2771% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 2,721 |
| Noncurrent loans to loans | 1.9262% | 2,863 |
| Net loans and leases to total assets | 84.8468% | 751 |
| Net loans and leases to deposits | 109.7410% | 853 |
| Net loans and leases to core deposits | 130.8172% | 1,792 |
| Total domestic deposits to total assets | 77.3156% | 5,913 |
| Equity capital to assets | 9.7836% | 4,316 |
| Core capital (leverage) ratio | 9.4289% | 4,115 |
| Tier 1 risk-based capital ratio | 10.3816% | 6,333 |
| Total risk-based capital ratio | 11.6389% | 6,200 |
| Memoranda: | ||
| Average total assets | $2,512,382,000 | 301 |
| Average earning assets | $2,410,615,400 | 283 |
| Average equity | $258,471,400 | 300 |
| Average total loans | $2,183,704,800 | 255 |