Home > Five Star Bank > Performance and Condition Ratios
Five Star 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 | 5.3024% | 1,491 |
| Cost of funding earning assets | 2.1414% | 711 |
| Net interest margin | 3.1610% | 2,960 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.0291% | 3,555 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.9260% | 2,467 |
| Return on assets (ROA) | 0.8789% | 2,579 |
| Pretax return on assets | 1.1059% | 2,399 |
| Return on Equity (ROE) | 11.7900% | 2,008 |
| Retained earnings to average equity (ytd only) | 8.6598% | 1,346 |
| Net charge-offs to loans | 0.1979% | 539 |
| Credit loss provision to net charge-offs | 166.3858% | 1,373 |
| Earnings coverage of net charge-offs (x) | 9.7855% | 2,273 |
| Efficiency ratio | 59.2836% | 3,157 |
| Assets per employee ($millions) | 10.7897% | 565 |
| Cash dividends to net income (ytd only)* | 26.5509% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,584 |
| Loan loss allowance to noncurrent loans | 191.5529% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 1,264 |
| Noncurrent loans to loans | 0.5973% | 1,317 |
| Net loans and leases to total assets | 72.1300% | 1,563 |
| Net loans and leases to deposits | 84.3506% | 1,747 |
| Net loans and leases to core deposits | 96.1564% | 1,646 |
| Total domestic deposits to total assets | 85.5100% | 2,160 |
| Equity capital to assets | 7.9279% | 3,462 |
| Core capital (leverage) ratio | 9.0629% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7571% | 2,636 |
| Memoranda: | ||
| Average total assets | $5,999,414,600 | 245 |
| Average earning assets | $5,425,324,800 | 237 |
| Average equity | $447,229,000 | 288 |
| Average total loans | $4,318,035,000 | 223 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 1,461 |
| Cost of funding earning assets | 1.9872% | 719 |
| Net interest margin | 3.2080% | 2,898 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0321% | 3,514 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.9354% | 2,564 |
| Return on assets (ROA) | 0.9354% | 2,552 |
| Pretax return on assets | 1.1178% | 2,516 |
| Return on Equity (ROE) | 12.7600% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.4914% | 1,817 |
| Net charge-offs to loans | 0.1346% | 601 |
| Credit loss provision to net charge-offs | 197.5480% | 1,136 |
| Earnings coverage of net charge-offs (x) | 13.5232% | 2,033 |
| Efficiency ratio | 60.8818% | 2,861 |
| Assets per employee ($millions) | 10.1932% | 621 |
| Cash dividends to net income (ytd only)* | 33.4280% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,766 |
| Loan loss allowance to noncurrent loans | 521.0902% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,522 |
| Noncurrent loans to loans | 0.2148% | 2,491 |
| Net loans and leases to total assets | 71.9100% | 1,584 |
| Net loans and leases to deposits | 82.0809% | 1,895 |
| Net loans and leases to core deposits | 95.0342% | 1,614 |
| Total domestic deposits to total assets | 87.6100% | 1,703 |
| Equity capital to assets | 7.0989% | 3,568 |
| Core capital (leverage) ratio | 8.9921% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4304% | 2,743 |
| Memoranda: | ||
| Average total assets | $5,969,831,250 | 248 |
| Average earning assets | $5,406,263,000 | 241 |
| Average equity | $437,783,250 | 297 |
| Average total loans | $4,281,666,500 | 229 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,497 |
| Cost of funding earning assets | 1.8078% | 729 |
| Net interest margin | 3.2294% | 2,914 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.0136% | 3,562 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.9261% | 2,667 |
| Return on assets (ROA) | 0.9261% | 2,652 |
| Pretax return on assets | 1.1120% | 2,610 |
| Return on Equity (ROE) | 12.4900% | 2,012 |
| Retained earnings to average equity (ytd only) | 6.1201% | 2,578 |
| Net charge-offs to loans | 0.1288% | 574 |
| Credit loss provision to net charge-offs | 262.3119% | 931 |
| Earnings coverage of net charge-offs (x) | 14.8268% | 1,869 |
| Efficiency ratio | 59.6313% | 3,001 |
| Assets per employee ($millions) | 10.3219% | 606 |
| Cash dividends to net income (ytd only)* | 51.0055% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 2,785 |
| Loan loss allowance to noncurrent loans | 502.8667% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,408 |
| Noncurrent loans to loans | 0.2252% | 2,362 |
| Net loans and leases to total assets | 71.2900% | 1,607 |
| Net loans and leases to deposits | 85.8530% | 1,513 |
| Net loans and leases to core deposits | 101.0582% | 1,183 |
| Total domestic deposits to total assets | 83.0400% | 3,038 |
| Equity capital to assets | 7.2980% | 3,637 |
| Core capital (leverage) ratio | 8.7989% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2013% | 2,820 |
| Memoranda: | ||
| Average total assets | $5,927,923,000 | 244 |
| Average earning assets | $5,378,148,000 | 240 |
| Average equity | $439,472,333 | 288 |
| Average total loans | $4,231,209,000 | 223 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,557 |
| Cost of funding earning assets | 1.5762% | 726 |
| Net interest margin | 3.2525% | 2,987 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.0364% | 3,539 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.8650% | 2,976 |
| Return on assets (ROA) | 0.8650% | 2,922 |
| Pretax return on assets | 1.0451% | 2,871 |
| Return on Equity (ROE) | 11.5700% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.1607% | 2,986 |
| Net charge-offs to loans | 0.2015% | 362 |
| Credit loss provision to net charge-offs | 201.2925% | 825 |
| Earnings coverage of net charge-offs (x) | 9.3246% | 1,692 |
| Efficiency ratio | 60.4246% | 2,906 |
| Assets per employee ($millions) | 9.9281% | 719 |
| Cash dividends to net income (ytd only)* | 55.4104% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 2,958 |
| Loan loss allowance to noncurrent loans | 539.8477% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,466 |
| Noncurrent loans to loans | 0.2074% | 2,438 |
| Net loans and leases to total assets | 70.8000% | 1,545 |
| Net loans and leases to deposits | 81.1474% | 1,733 |
| Net loans and leases to core deposits | 94.8907% | 1,335 |
| Total domestic deposits to total assets | 87.2500% | 2,176 |
| Equity capital to assets | 7.4992% | 3,560 |
| Core capital (leverage) ratio | 8.9721% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3843% | 2,886 |
| Memoranda: | ||
| Average total assets | $5,841,759,000 | 255 |
| Average earning assets | $5,302,652,500 | 248 |
| Average equity | $436,609,500 | 297 |
| Average total loans | $4,147,506,500 | 236 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 2,086 |
| Cost of funding earning assets | 0.4806% | 1,527 |
| Net interest margin | 3.3819% | 2,314 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.0283% | 3,506 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.0671% | 2,312 |
| Return on assets (ROA) | 1.0669% | 2,255 |
| Pretax return on assets | 1.3445% | 1,945 |
| Return on Equity (ROE) | 12.9700% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.8784% | 2,290 |
| Net charge-offs to loans | 0.1370% | 586 |
| Credit loss provision to net charge-offs | 209.6220% | 1,093 |
| Earnings coverage of net charge-offs (x) | 16.8860% | 1,968 |
| Efficiency ratio | 56.1626% | 3,567 |
| Assets per employee ($millions) | 9.4523% | 796 |
| Cash dividends to net income (ytd only)* | 46.9736% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 2,785 |
| Loan loss allowance to noncurrent loans | 445.1461% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,304 |
| Noncurrent loans to loans | 0.2517% | 2,264 |
| Net loans and leases to total assets | 69.5800% | 1,676 |
| Net loans and leases to deposits | 80.8098% | 1,708 |
| Net loans and leases to core deposits | 93.1364% | 1,339 |
| Total domestic deposits to total assets | 86.1100% | 2,693 |
| Equity capital to assets | 7.4479% | 3,408 |
| Core capital (leverage) ratio | 9.1703% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6049% | 2,838 |
| Memoranda: | ||
| Average total assets | $5,587,231,200 | 253 |
| Average earning assets | $5,096,419,800 | 253 |
| Average equity | $459,528,200 | 280 |
| Average total loans | $3,822,607,400 | 234 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 2,196 |
| Cost of funding earning assets | 0.2867% | 2,313 |
| Net interest margin | 3.3645% | 2,086 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.0158% | 3,438 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.1099% | 2,048 |
| Return on assets (ROA) | 1.1096% | 2,019 |
| Pretax return on assets | 1.4263% | 1,641 |
| Return on Equity (ROE) | 13.1700% | 1,652 |
| Retained earnings to average equity (ytd only) | 7.1764% | 2,308 |
| Net charge-offs to loans | 0.0672% | 822 |
| Credit loss provision to net charge-offs | 333.4913% | 762 |
| Earnings coverage of net charge-offs (x) | 35.0353% | 1,443 |
| Efficiency ratio | 55.7513% | 3,644 |
| Assets per employee ($millions) | 9.0829% | 868 |
| Cash dividends to net income (ytd only)* | 45.5058% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,838 |
| Loan loss allowance to noncurrent loans | 516.4948% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,545 |
| Noncurrent loans to loans | 0.2206% | 2,508 |
| Net loans and leases to total assets | 68.5800% | 1,606 |
| Net loans and leases to deposits | 77.6670% | 1,746 |
| Net loans and leases to core deposits | 86.1157% | 1,516 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 7.5056% | 3,218 |
| Core capital (leverage) ratio | 9.2365% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0361% | 2,804 |
| Memoranda: | ||
| Average total assets | $5,544,928,750 | 256 |
| Average earning assets | $5,067,913,500 | 252 |
| Average equity | $467,226,250 | 279 |
| Average total loans | $3,765,509,500 | 236 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 2,255 |
| Cost of funding earning assets | 0.1713% | 3,299 |
| Net interest margin | 3.2890% | 1,941 |
| Noninterest income to average assets | 0.5017% | 2,192 |
| Noninterest expense to average assets | 1.9722% | 3,505 |
| Loan and lease loss provision to assets | 0.1043% | 957 |
| Net operating income to assets | 1.1599% | 1,568 |
| Return on assets (ROA) | 1.1594% | 1,549 |
| Pretax return on assets | 1.4440% | 1,324 |
| Return on Equity (ROE) | 13.2728% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.4810% | 1,821 |
| Net charge-offs to loans | -0.0136% | 3,714 |
| Credit loss provision to net charge-offs | -998.8142% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0083% | 3,768 |
| Assets per employee ($millions) | 9.2157% | 826 |
| Cash dividends to net income (ytd only)* | 43.6368% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,054 |
| Loan loss allowance to noncurrent loans | 648.0452% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,879 |
| Noncurrent loans to loans | 0.1738% | 2,823 |
| Net loans and leases to total assets | 67.3822% | 1,537 |
| Net loans and leases to deposits | 77.0229% | 1,608 |
| Net loans and leases to core deposits | 86.4029% | 1,316 |
| Total domestic deposits to total assets | 87.4833% | 2,772 |
| Equity capital to assets | 8.1921% | 2,974 |
| Core capital (leverage) ratio | 9.1291% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2769% | 2,735 |
| Memoranda: | ||
| Average total assets | $5,534,272,000 | 252 |
| Average earning assets | $5,080,586,333 | 252 |
| Average equity | $483,441,000 | 272 |
| Average total loans | $3,731,037,667 | 232 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 2,294 |
| Cost of funding earning assets | 0.1359% | 3,689 |
| Net interest margin | 3.1947% | 1,899 |
| Noninterest income to average assets | 0.4627% | 2,342 |
| Noninterest expense to average assets | 1.8623% | 3,773 |
| Loan and lease loss provision to assets | 0.1677% | 467 |
| Net operating income to assets | 1.1139% | 1,494 |
| Return on assets (ROA) | 1.1139% | 1,484 |
| Pretax return on assets | 1.3766% | 1,308 |
| Return on Equity (ROE) | 12.3672% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.7523% | 1,977 |
| Net charge-offs to loans | 0.0848% | 578 |
| Credit loss provision to net charge-offs | 264.1677% | 703 |
| Earnings coverage of net charge-offs (x) | 27.1601% | 1,175 |
| Efficiency ratio | 54.6636% | 4,012 |
| Assets per employee ($millions) | 9.6239% | 746 |
| Cash dividends to net income (ytd only)* | 45.4015% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,344 |
| Loan loss allowance to noncurrent loans | 425.7669% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 2,588 |
| Noncurrent loans to loans | 0.2572% | 2,555 |
| Net loans and leases to total assets | 66.1405% | 1,395 |
| Net loans and leases to deposits | 73.6923% | 1,634 |
| Net loans and leases to core deposits | 81.9098% | 1,356 |
| Total domestic deposits to total assets | 89.7523% | 1,691 |
| Equity capital to assets | 8.5118% | 3,150 |
| Core capital (leverage) ratio | 9.1133% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2854% | 2,828 |
| Memoranda: | ||
| Average total assets | $5,536,695,000 | 255 |
| Average earning assets | $5,101,845,500 | 254 |
| Average equity | $498,674,500 | 273 |
| Average total loans | $3,712,415,000 | 232 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4265% | 2,861 |
| Cost of funding earning assets | 0.1683% | 3,790 |
| Net interest margin | 3.2582% | 2,439 |
| Noninterest income to average assets | 0.5736% | 2,264 |
| Noninterest expense to average assets | 1.8023% | 4,141 |
| Loan and lease loss provision to assets | -0.1570% | 4,638 |
| Net operating income to assets | 1.5414% | 931 |
| Return on assets (ROA) | 1.5425% | 969 |
| Pretax return on assets | 1.9396% | 676 |
| Return on Equity (ROE) | 16.3998% | 691 |
| Retained earnings to average equity (ytd only) | 11.5836% | 598 |
| Net charge-offs to loans | 0.1579% | 609 |
| Credit loss provision to net charge-offs | -120.9201% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.3842% | 1,977 |
| Efficiency ratio | 50.2805% | 4,264 |
| Assets per employee ($millions) | 9.7543% | 716 |
| Cash dividends to net income (ytd only)* | 29.3675% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,455 |
| Loan loss allowance to noncurrent loans | 325.9411% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,448 |
| Noncurrent loans to loans | 0.3301% | 2,404 |
| Net loans and leases to total assets | 66.5096% | 1,419 |
| Net loans and leases to deposits | 75.0995% | 1,635 |
| Net loans and leases to core deposits | 83.1765% | 1,379 |
| Total domestic deposits to total assets | 88.5620% | 1,760 |
| Equity capital to assets | 9.5115% | 3,138 |
| Core capital (leverage) ratio | 8.9850% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3834% | 2,801 |
| Memoranda: | ||
| Average total assets | $5,298,151,600 | 260 |
| Average earning assets | $4,894,491,600 | 259 |
| Average equity | $498,317,000 | 269 |
| Average total loans | $3,648,212,800 | 234 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 3,096 |
| Cost of funding earning assets | 0.1762% | 3,859 |
| Net interest margin | 3.2257% | 2,646 |
| Noninterest income to average assets | 0.5809% | 2,295 |
| Noninterest expense to average assets | 1.7740% | 4,215 |
| Loan and lease loss provision to assets | -0.1808% | 4,728 |
| Net operating income to assets | 1.5483% | 1,150 |
| Return on assets (ROA) | 1.5497% | 1,194 |
| Pretax return on assets | 1.9702% | 839 |
| Return on Equity (ROE) | 16.5252% | 846 |
| Retained earnings to average equity (ytd only) | 11.6527% | 909 |
| Net charge-offs to loans | 0.0396% | 1,301 |
| Credit loss provision to net charge-offs | -544.0741% | 3,675 |
| Earnings coverage of net charge-offs (x) | 65.1991% | 1,096 |
| Efficiency ratio | 49.7944% | 4,239 |
| Assets per employee ($millions) | 9.9533% | 647 |
| Cash dividends to net income (ytd only)* | 29.4855% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,790 |
| Loan loss allowance to noncurrent loans | 680.3775% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 3,323 |
| Noncurrent loans to loans | 0.1824% | 3,216 |
| Net loans and leases to total assets | 64.7303% | 1,687 |
| Net loans and leases to deposits | 72.1981% | 2,033 |
| Net loans and leases to core deposits | 79.0263% | 1,819 |
| Total domestic deposits to total assets | 89.6565% | 939 |
| Equity capital to assets | 9.0947% | 3,749 |
| Core capital (leverage) ratio | 9.1113% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4481% | 2,874 |
| Memoranda: | ||
| Average total assets | $5,252,217,250 | 261 |
| Average earning assets | $4,853,207,250 | 258 |
| Average equity | $492,544,000 | 272 |
| Average total loans | $3,638,856,500 | 237 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 2,983 |
| Cost of funding earning assets | 0.1900% | 3,855 |
| Net interest margin | 3.2775% | 2,523 |
| Noninterest income to average assets | 0.5981% | 2,225 |
| Noninterest expense to average assets | 1.7749% | 4,235 |
| Loan and lease loss provision to assets | -0.2563% | 4,814 |
| Net operating income to assets | 1.6525% | 949 |
| Return on assets (ROA) | 1.6547% | 996 |
| Pretax return on assets | 2.1143% | 668 |
| Return on Equity (ROE) | 17.4541% | 727 |
| Retained earnings to average equity (ytd only) | 12.5305% | 809 |
| Net charge-offs to loans | 0.0271% | 1,408 |
| Credit loss provision to net charge-offs | -1,125.1521% | 3,687 |
| Earnings coverage of net charge-offs (x) | 96.7465% | 767 |
| Efficiency ratio | 48.8744% | 4,333 |
| Assets per employee ($millions) | 9.6121% | 688 |
| Cash dividends to net income (ytd only)* | 28.2087% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,563 |
| Loan loss allowance to noncurrent loans | 698.3873% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 3,323 |
| Noncurrent loans to loans | 0.1825% | 3,311 |
| Net loans and leases to total assets | 68.2750% | 1,417 |
| Net loans and leases to deposits | 76.5568% | 1,765 |
| Net loans and leases to core deposits | 83.2457% | 1,620 |
| Total domestic deposits to total assets | 89.1821% | 1,189 |
| Equity capital to assets | 9.5382% | 3,298 |
| Core capital (leverage) ratio | 8.9170% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7005% | 2,810 |
| Memoranda: | ||
| Average total assets | $5,141,697,667 | 263 |
| Average earning assets | $4,756,735,667 | 259 |
| Average equity | $487,450,000 | 272 |
| Average total loans | $3,631,870,333 | 237 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 2,856 |
| Cost of funding earning assets | 0.2003% | 3,912 |
| Net interest margin | 3.3219% | 2,325 |
| Noninterest income to average assets | 0.7069% | 1,853 |
| Noninterest expense to average assets | 1.7727% | 4,260 |
| Loan and lease loss provision to assets | -0.1549% | 4,779 |
| Net operating income to assets | 1.6876% | 964 |
| Return on assets (ROA) | 1.6922% | 1,005 |
| Pretax return on assets | 2.1670% | 723 |
| Return on Equity (ROE) | 17.9058% | 740 |
| Retained earnings to average equity (ytd only) | 12.9102% | 932 |
| Net charge-offs to loans | 0.0976% | 696 |
| Credit loss provision to net charge-offs | -191.1964% | 2,952 |
| Earnings coverage of net charge-offs (x) | 28.7788% | 1,112 |
| Efficiency ratio | 46.8893% | 4,413 |
| Assets per employee ($millions) | 9.7812% | 633 |
| Cash dividends to net income (ytd only)* | 27.8992% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,144 |
| Loan loss allowance to noncurrent loans | 514.0601% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,942 |
| Noncurrent loans to loans | 0.2647% | 3,160 |
| Net loans and leases to total assets | 68.2262% | 1,499 |
| Net loans and leases to deposits | 76.0703% | 1,901 |
| Net loans and leases to core deposits | 83.5331% | 1,717 |
| Total domestic deposits to total assets | 89.6883% | 976 |
| Equity capital to assets | 9.1055% | 3,586 |
| Core capital (leverage) ratio | 9.1750% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7091% | 2,764 |
| Memoranda: | ||
| Average total assets | $5,083,649,000 | 263 |
| Average earning assets | $4,701,421,500 | 255 |
| Average equity | $480,425,000 | 273 |
| Average total loans | $3,629,757,000 | 238 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,357 |
| Cost of funding earning assets | 0.4529% | 3,265 |
| Net interest margin | 3.3279% | 2,995 |
| Noninterest income to average assets | 0.6109% | 2,181 |
| Noninterest expense to average assets | 2.0597% | 4,022 |
| Loan and lease loss provision to assets | 0.5621% | 387 |
| Net operating income to assets | 0.8821% | 2,775 |
| Return on assets (ROA) | 0.9107% | 2,783 |
| Pretax return on assets | 1.0965% | 2,706 |
| Return on Equity (ROE) | 9.3285% | 2,272 |
| Retained earnings to average equity (ytd only) | 4.2566% | 2,679 |
| Net charge-offs to loans | 0.4032% | 425 |
| Credit loss provision to net charge-offs | 189.0345% | 2,217 |
| Earnings coverage of net charge-offs (x) | 5.4606% | 2,863 |
| Efficiency ratio | 55.8707% | 3,997 |
| Assets per employee ($millions) | 8.7692% | 809 |
| Cash dividends to net income (ytd only)* | 54.3697% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,750 |
| Loan loss allowance to noncurrent loans | 550.3625% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,016 |
| Noncurrent loans to loans | 0.2644% | 3,248 |
| Net loans and leases to total assets | 72.7503% | 1,194 |
| Net loans and leases to deposits | 82.2437% | 1,641 |
| Net loans and leases to core deposits | 92.3343% | 1,360 |
| Total domestic deposits to total assets | 88.4570% | 1,251 |
| Equity capital to assets | 9.8247% | 3,289 |
| Core capital (leverage) ratio | 8.9703% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6299% | 2,759 |
| Memoranda: | ||
| Average total assets | $4,645,108,200 | 261 |
| Average earning assets | $4,289,295,200 | 252 |
| Average equity | $453,479,600 | 274 |
| Average total loans | $3,426,758,600 | 244 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,463 |
| Cost of funding earning assets | 0.5181% | 3,121 |
| Net interest margin | 3.3140% | 3,143 |
| Noninterest income to average assets | 0.6020% | 2,170 |
| Noninterest expense to average assets | 2.1135% | 3,912 |
| Loan and lease loss provision to assets | 0.6013% | 420 |
| Net operating income to assets | 0.7742% | 3,189 |
| Return on assets (ROA) | 0.8083% | 3,181 |
| Pretax return on assets | 0.9919% | 3,100 |
| Return on Equity (ROE) | 8.2939% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,428 |
| Net charge-offs to loans | 0.4499% | 344 |
| Credit loss provision to net charge-offs | 181.2489% | 2,180 |
| Earnings coverage of net charge-offs (x) | 4.6741% | 2,799 |
| Efficiency ratio | 57.6280% | 3,719 |
| Assets per employee ($millions) | 8.6053% | 813 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,821 |
| Loan loss allowance to noncurrent loans | 452.6644% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,034 |
| Noncurrent loans to loans | 0.3049% | 3,192 |
| Net loans and leases to total assets | 71.6392% | 1,719 |
| Net loans and leases to deposits | 80.5917% | 2,251 |
| Net loans and leases to core deposits | 90.1198% | 1,956 |
| Total domestic deposits to total assets | 88.8915% | 818 |
| Equity capital to assets | 9.3086% | 3,853 |
| Core capital (leverage) ratio | 8.9789% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4079% | 2,815 |
| Memoranda: | ||
| Average total assets | $4,587,467,000 | 258 |
| Average earning assets | $4,239,512,750 | 251 |
| Average equity | $447,094,000 | 273 |
| Average total loans | $3,383,587,500 | 246 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,428 |
| Cost of funding earning assets | 0.6223% | 2,851 |
| Net interest margin | 3.3392% | 3,273 |
| Noninterest income to average assets | 0.5565% | 2,323 |
| Noninterest expense to average assets | 2.1362% | 3,958 |
| Loan and lease loss provision to assets | 0.7669% | 325 |
| Net operating income to assets | 0.6243% | 3,657 |
| Return on assets (ROA) | 0.6579% | 3,648 |
| Pretax return on assets | 0.7795% | 3,650 |
| Return on Equity (ROE) | 6.6415% | 3,268 |
| Retained earnings to average equity (ytd only) | 1.6798% | 3,880 |
| Net charge-offs to loans | 0.6585% | 241 |
| Credit loss provision to net charge-offs | 157.0814% | 2,096 |
| Earnings coverage of net charge-offs (x) | 3.0844% | 2,709 |
| Efficiency ratio | 58.5949% | 3,609 |
| Assets per employee ($millions) | 7.3039% | 1,276 |
| Cash dividends to net income (ytd only)* | 74.7080% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,887 |
| Loan loss allowance to noncurrent loans | 351.3579% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,116 |
| Noncurrent loans to loans | 0.3774% | 3,061 |
| Net loans and leases to total assets | 74.1863% | 1,388 |
| Net loans and leases to deposits | 86.0750% | 1,756 |
| Net loans and leases to core deposits | 93.9293% | 1,746 |
| Total domestic deposits to total assets | 86.1880% | 1,931 |
| Equity capital to assets | 9.7049% | 3,471 |
| Core capital (leverage) ratio | 9.0975% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5189% | 2,807 |
| Memoranda: | ||
| Average total assets | $4,475,872,333 | 260 |
| Average earning assets | $4,136,667,667 | 253 |
| Average equity | $443,394,000 | 276 |
| Average total loans | $3,319,578,333 | 246 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 3,428 |
| Cost of funding earning assets | 0.7793% | 2,502 |
| Net interest margin | 3.3524% | 3,443 |
| Noninterest income to average assets | 0.5701% | 2,178 |
| Noninterest expense to average assets | 2.2020% | 3,999 |
| Loan and lease loss provision to assets | 1.2225% | 143 |
| Net operating income to assets | 0.2584% | 4,434 |
| Return on assets (ROA) | 0.2786% | 4,412 |
| Pretax return on assets | 0.2657% | 4,500 |
| Return on Equity (ROE) | 2.7820% | 4,270 |
| Retained earnings to average equity (ytd only) | -7.2252% | 4,658 |
| Net charge-offs to loans | 1.2549% | 120 |
| Credit loss provision to net charge-offs | 132.3277% | 1,653 |
| Earnings coverage of net charge-offs (x) | 1.5890% | 2,370 |
| Efficiency ratio | 59.9429% | 3,744 |
| Assets per employee ($millions) | 6.8033% | 1,181 |
| Cash dividends to net income (ytd only)* | 359.7122% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 1,966 |
| Loan loss allowance to noncurrent loans | 350.0969% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 3,268 |
| Noncurrent loans to loans | 0.3821% | 3,118 |
| Net loans and leases to total assets | 72.0895% | 1,905 |
| Net loans and leases to deposits | 84.0910% | 2,213 |
| Net loans and leases to core deposits | 90.7388% | 2,274 |
| Total domestic deposits to total assets | 85.7280% | 2,116 |
| Equity capital to assets | 9.8646% | 3,910 |
| Core capital (leverage) ratio | 9.3210% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1084% | 3,064 |
| Memoranda: | ||
| Average total assets | $4,391,170,000 | 258 |
| Average earning assets | $4,060,652,000 | 253 |
| Average equity | $439,681,500 | 281 |
| Average total loans | $3,233,130,000 | 248 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,611 |
| Cost of funding earning assets | 0.9140% | 2,140 |
| Net interest margin | 3.3592% | 3,855 |
| Noninterest income to average assets | 0.6026% | 2,204 |
| Noninterest expense to average assets | 2.0594% | 4,427 |
| Loan and lease loss provision to assets | 0.1874% | 1,098 |
| Net operating income to assets | 1.2193% | 1,983 |
| Return on assets (ROA) | 1.2517% | 1,950 |
| Pretax return on assets | 1.5123% | 1,771 |
| Return on Equity (ROE) | 12.7164% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.9837% | 982 |
| Net charge-offs to loans | 0.3645% | 548 |
| Credit loss provision to net charge-offs | 70.0967% | 2,910 |
| Earnings coverage of net charge-offs (x) | 6.2121% | 2,996 |
| Efficiency ratio | 55.2874% | 4,294 |
| Assets per employee ($millions) | 6.6768% | 1,193 |
| Cash dividends to net income (ytd only)* | 37.2176% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 3,764 |
| Loan loss allowance to noncurrent loans | 352.9235% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,628 |
| Noncurrent loans to loans | 0.2678% | 3,487 |
| Net loans and leases to total assets | 73.4992% | 1,839 |
| Net loans and leases to deposits | 89.6174% | 1,640 |
| Net loans and leases to core deposits | 102.1141% | 1,397 |
| Total domestic deposits to total assets | 82.0144% | 3,509 |
| Equity capital to assets | 10.1642% | 3,769 |
| Core capital (leverage) ratio | 9.6704% | 3,877 |
| Tier 1 risk-based capital ratio | 11.6073% | 4,572 |
| Total risk-based capital ratio | 12.4723% | 4,661 |
| Memoranda: | ||
| Average total assets | $4,293,224,200 | 252 |
| Average earning assets | $3,984,362,000 | 249 |
| Average equity | $422,588,600 | 277 |
| Average total loans | $3,148,494,400 | 243 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 3,697 |
| Cost of funding earning assets | 0.9406% | 2,036 |
| Net interest margin | 3.3457% | 3,998 |
| Noninterest income to average assets | 0.6024% | 2,192 |
| Noninterest expense to average assets | 2.0239% | 4,503 |
| Loan and lease loss provision to assets | 0.1679% | 1,106 |
| Net operating income to assets | 1.1945% | 2,212 |
| Return on assets (ROA) | 1.2369% | 2,146 |
| Pretax return on assets | 1.5700% | 1,737 |
| Return on Equity (ROE) | 12.6709% | 1,397 |
| Retained earnings to average equity (ytd only) | 7.8839% | 1,452 |
| Net charge-offs to loans | 0.3254% | 531 |
| Credit loss provision to net charge-offs | 70.5905% | 2,611 |
| Earnings coverage of net charge-offs (x) | 7.0796% | 2,777 |
| Efficiency ratio | 54.5029% | 4,336 |
| Assets per employee ($millions) | 6.7283% | 1,143 |
| Cash dividends to net income (ytd only)* | 37.7796% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,563 |
| Loan loss allowance to noncurrent loans | 323.5390% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,659 |
| Noncurrent loans to loans | 0.3095% | 3,417 |
| Net loans and leases to total assets | 72.8284% | 2,032 |
| Net loans and leases to deposits | 86.9611% | 2,067 |
| Net loans and leases to core deposits | 95.9497% | 1,998 |
| Total domestic deposits to total assets | 83.7483% | 2,914 |
| Equity capital to assets | 10.1304% | 3,883 |
| Core capital (leverage) ratio | 9.5437% | 4,122 |
| Tier 1 risk-based capital ratio | 11.3716% | 4,733 |
| Total risk-based capital ratio | 12.2721% | 4,788 |
| Memoranda: | ||
| Average total assets | $4,279,876,250 | 254 |
| Average earning assets | $3,973,030,000 | 251 |
| Average equity | $417,786,500 | 280 |
| Average total loans | $3,129,315,250 | 248 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 3,736 |
| Cost of funding earning assets | 0.9383% | 1,972 |
| Net interest margin | 3.3297% | 4,079 |
| Noninterest income to average assets | 0.5610% | 2,340 |
| Noninterest expense to average assets | 2.0082% | 4,589 |
| Loan and lease loss provision to assets | 0.1660% | 1,095 |
| Net operating income to assets | 1.1769% | 2,236 |
| Return on assets (ROA) | 1.1811% | 2,289 |
| Pretax return on assets | 1.4927% | 1,880 |
| Return on Equity (ROE) | 12.2544% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.3985% | 1,650 |
| Net charge-offs to loans | 0.1942% | 854 |
| Credit loss provision to net charge-offs | 117.1787% | 1,776 |
| Earnings coverage of net charge-offs (x) | 11.6713% | 2,192 |
| Efficiency ratio | 54.7642% | 4,385 |
| Assets per employee ($millions) | 6.7833% | 1,100 |
| Cash dividends to net income (ytd only)* | 39.6259% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,117 |
| Loan loss allowance to noncurrent loans | 300.3926% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,481 |
| Noncurrent loans to loans | 0.3635% | 3,224 |
| Net loans and leases to total assets | 72.8759% | 2,087 |
| Net loans and leases to deposits | 89.5118% | 1,796 |
| Net loans and leases to core deposits | 98.2985% | 1,868 |
| Total domestic deposits to total assets | 81.4149% | 3,689 |
| Equity capital to assets | 9.9210% | 4,038 |
| Core capital (leverage) ratio | 9.2194% | 4,435 |
| Tier 1 risk-based capital ratio | 11.2673% | 4,799 |
| Total risk-based capital ratio | 12.2612% | 4,823 |
| Memoranda: | ||
| Average total assets | $4,273,384,330 | 256 |
| Average earning assets | $3,979,566,330 | 252 |
| Average equity | $411,868,000 | 284 |
| Average total loans | $3,118,147,670 | 250 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,825 |
| Cost of funding earning assets | 0.9149% | 1,938 |
| Net interest margin | 3.2968% | 4,168 |
| Noninterest income to average assets | 0.5455% | 2,309 |
| Noninterest expense to average assets | 2.0007% | 4,641 |
| Loan and lease loss provision to assets | 0.1118% | 1,589 |
| Net operating income to assets | 1.1922% | 2,089 |
| Return on assets (ROA) | 1.1883% | 2,147 |
| Pretax return on assets | 1.5015% | 1,764 |
| Return on Equity (ROE) | 12.5136% | 1,378 |
| Retained earnings to average equity (ytd only) | 7.5812% | 1,809 |
| Net charge-offs to loans | 0.2297% | 627 |
| Credit loss provision to net charge-offs | 67.0225% | 1,871 |
| Earnings coverage of net charge-offs (x) | 9.7045% | 2,005 |
| Efficiency ratio | 55.1992% | 4,415 |
| Assets per employee ($millions) | 6.7953% | 1,090 |
| Cash dividends to net income (ytd only)* | 39.4166% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,285 |
| Loan loss allowance to noncurrent loans | 574.3064% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,115 |
| Noncurrent loans to loans | 0.1865% | 3,919 |
| Net loans and leases to total assets | 72.1258% | 2,137 |
| Net loans and leases to deposits | 87.3953% | 1,948 |
| Net loans and leases to core deposits | 94.2965% | 2,095 |
| Total domestic deposits to total assets | 82.5283% | 3,568 |
| Equity capital to assets | 9.6476% | 4,134 |
| Core capital (leverage) ratio | 9.0631% | 4,607 |
| Tier 1 risk-based capital ratio | 11.2520% | 4,862 |
| Total risk-based capital ratio | 12.2318% | 4,888 |
| Memoranda: | ||
| Average total assets | $4,269,935,500 | 256 |
| Average earning assets | $3,980,561,500 | 253 |
| Average equity | $405,478,000 | 287 |
| Average total loans | $3,100,357,000 | 252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 4,078 |
| Cost of funding earning assets | 0.7065% | 2,052 |
| Net interest margin | 3.2742% | 4,326 |
| Noninterest income to average assets | 0.5861% | 2,370 |
| Noninterest expense to average assets | 2.0295% | 4,702 |
| Loan and lease loss provision to assets | 0.2145% | 852 |
| Net operating income to assets | 1.1101% | 2,552 |
| Return on assets (ROA) | 1.1077% | 2,566 |
| Pretax return on assets | 1.3867% | 2,187 |
| Return on Equity (ROE) | 11.8645% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.7223% | 1,802 |
| Net charge-offs to loans | 0.3338% | 577 |
| Credit loss provision to net charge-offs | 92.1791% | 2,690 |
| Earnings coverage of net charge-offs (x) | 6.8953% | 3,040 |
| Efficiency ratio | 55.7466% | 4,441 |
| Assets per employee ($millions) | 6.6445% | 1,145 |
| Cash dividends to net income (ytd only)* | 43.3407% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,110 |
| Loan loss allowance to noncurrent loans | 474.8530% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,947 |
| Noncurrent loans to loans | 0.2312% | 3,756 |
| Net loans and leases to total assets | 71.5177% | 2,340 |
| Net loans and leases to deposits | 90.5244% | 1,729 |
| Net loans and leases to core deposits | 107.6992% | 1,141 |
| Total domestic deposits to total assets | 79.0038% | 4,309 |
| Equity capital to assets | 9.3448% | 4,277 |
| Core capital (leverage) ratio | 8.8618% | 4,760 |
| Tier 1 risk-based capital ratio | 11.0949% | 4,927 |
| Total risk-based capital ratio | 12.1039% | 4,929 |
| Memoranda: | ||
| Average total assets | $4,165,963,400 | 254 |
| Average earning assets | $3,877,663,000 | 253 |
| Average equity | $388,942,200 | 289 |
| Average total loans | $2,903,142,200 | 259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 4,203 |
| Cost of funding earning assets | 0.6552% | 2,122 |
| Net interest margin | 3.2501% | 4,402 |
| Noninterest income to average assets | 0.5827% | 2,402 |
| Noninterest expense to average assets | 2.0107% | 4,720 |
| Loan and lease loss provision to assets | 0.1627% | 1,179 |
| Net operating income to assets | 1.1441% | 2,462 |
| Return on assets (ROA) | 1.1418% | 2,494 |
| Pretax return on assets | 1.4295% | 2,118 |
| Return on Equity (ROE) | 12.2327% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.0564% | 2,099 |
| Net charge-offs to loans | 0.2692% | 616 |
| Credit loss provision to net charge-offs | 87.5672% | 2,448 |
| Earnings coverage of net charge-offs (x) | 8.5866% | 2,692 |
| Efficiency ratio | 55.6537% | 4,430 |
| Assets per employee ($millions) | 6.7216% | 1,070 |
| Cash dividends to net income (ytd only)* | 42.3155% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,998 |
| Loan loss allowance to noncurrent loans | 432.5478% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,976 |
| Noncurrent loans to loans | 0.2624% | 3,744 |
| Net loans and leases to total assets | 70.0645% | 2,637 |
| Net loans and leases to deposits | 84.5507% | 2,533 |
| Net loans and leases to core deposits | 100.3651% | 1,757 |
| Total domestic deposits to total assets | 82.8669% | 3,354 |
| Equity capital to assets | 9.3106% | 4,264 |
| Core capital (leverage) ratio | 8.9007% | 4,799 |
| Tier 1 risk-based capital ratio | 11.2609% | 4,922 |
| Total risk-based capital ratio | 12.3023% | 4,913 |
| Memoranda: | ||
| Average total assets | $4,139,344,500 | 254 |
| Average earning assets | $3,850,245,750 | 249 |
| Average equity | $386,364,500 | 286 |
| Average total loans | $2,856,561,250 | 261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,291 |
| Cost of funding earning assets | 0.5910% | 2,286 |
| Net interest margin | 3.2329% | 4,428 |
| Noninterest income to average assets | 0.5656% | 2,495 |
| Noninterest expense to average assets | 1.9684% | 4,849 |
| Loan and lease loss provision to assets | 0.1454% | 1,315 |
| Net operating income to assets | 1.1655% | 2,326 |
| Return on assets (ROA) | 1.1658% | 2,327 |
| Pretax return on assets | 1.4642% | 1,945 |
| Return on Equity (ROE) | 12.4791% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.2727% | 1,942 |
| Net charge-offs to loans | 0.2636% | 610 |
| Credit loss provision to net charge-offs | 80.6530% | 2,249 |
| Earnings coverage of net charge-offs (x) | 8.9280% | 2,431 |
| Efficiency ratio | 54.9023% | 4,592 |
| Assets per employee ($millions) | 6.7493% | 1,043 |
| Cash dividends to net income (ytd only)* | 41.7206% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 2,881 |
| Loan loss allowance to noncurrent loans | 348.9723% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 3,800 |
| Noncurrent loans to loans | 0.3353% | 3,494 |
| Net loans and leases to total assets | 69.1018% | 2,706 |
| Net loans and leases to deposits | 87.7402% | 2,142 |
| Net loans and leases to core deposits | 101.5506% | 1,598 |
| Total domestic deposits to total assets | 78.7573% | 4,469 |
| Equity capital to assets | 9.3491% | 4,244 |
| Core capital (leverage) ratio | 8.8329% | 4,857 |
| Tier 1 risk-based capital ratio | 11.3262% | 4,880 |
| Total risk-based capital ratio | 12.3927% | 4,880 |
| Memoranda: | ||
| Average total assets | $4,112,070,000 | 255 |
| Average earning assets | $3,831,149,330 | 249 |
| Average equity | $384,147,670 | 284 |
| Average total loans | $2,811,582,670 | 262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,337 |
| Cost of funding earning assets | 0.5408% | 2,472 |
| Net interest margin | 3.2163% | 4,410 |
| Noninterest income to average assets | 0.5848% | 2,335 |
| Noninterest expense to average assets | 1.9927% | 4,865 |
| Loan and lease loss provision to assets | 0.2882% | 462 |
| Net operating income to assets | 1.0444% | 2,669 |
| Return on assets (ROA) | 1.0444% | 2,686 |
| Pretax return on assets | 1.3016% | 2,364 |
| Return on Equity (ROE) | 11.1839% | 1,891 |
| Retained earnings to average equity (ytd only) | 5.9509% | 2,729 |
| Net charge-offs to loans | 0.2931% | 524 |
| Credit loss provision to net charge-offs | 145.4859% | 1,250 |
| Earnings coverage of net charge-offs (x) | 8.0252% | 2,053 |
| Efficiency ratio | 55.5025% | 4,644 |
| Assets per employee ($millions) | 7.0485% | 940 |
| Cash dividends to net income (ytd only)* | 46.7902% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,380 |
| Loan loss allowance to noncurrent loans | 332.0955% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,779 |
| Noncurrent loans to loans | 0.3835% | 3,406 |
| Net loans and leases to total assets | 67.0303% | 2,887 |
| Net loans and leases to deposits | 81.3748% | 2,643 |
| Net loans and leases to core deposits | 95.3289% | 2,029 |
| Total domestic deposits to total assets | 82.3724% | 3,853 |
| Equity capital to assets | 9.2780% | 4,287 |
| Core capital (leverage) ratio | 8.7522% | 4,946 |
| Tier 1 risk-based capital ratio | 11.5084% | 4,857 |
| Total risk-based capital ratio | 12.6714% | 4,805 |
| Memoranda: | ||
| Average total assets | $4,092,710,500 | 256 |
| Average earning assets | $3,814,537,500 | 247 |
| Average equity | $382,191,500 | 287 |
| Average total loans | $2,766,261,000 | 264 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,458 |
| Cost of funding earning assets | 0.4166% | 3,083 |
| Net interest margin | 3.2301% | 4,358 |
| Noninterest income to average assets | 0.5642% | 2,635 |
| Noninterest expense to average assets | 2.0211% | 4,926 |
| Loan and lease loss provision to assets | 0.3440% | 466 |
| Net operating income to assets | 0.8912% | 2,765 |
| Return on assets (ROA) | 0.9152% | 2,652 |
| Pretax return on assets | 1.2307% | 2,633 |
| Return on Equity (ROE) | 10.2127% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.7651% | 1,166 |
| Net charge-offs to loans | 0.3812% | 663 |
| Credit loss provision to net charge-offs | 138.8444% | 1,904 |
| Earnings coverage of net charge-offs (x) | 6.2248% | 3,212 |
| Efficiency ratio | 56.5718% | 4,706 |
| Assets per employee ($millions) | 6.9202% | 1,003 |
| Cash dividends to net income (ytd only)* | 33.7581% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,394 |
| Loan loss allowance to noncurrent loans | 276.6898% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,643 |
| Noncurrent loans to loans | 0.4577% | 3,139 |
| Net loans and leases to total assets | 66.4292% | 3,043 |
| Net loans and leases to deposits | 83.9380% | 2,498 |
| Net loans and leases to core deposits | 96.4826% | 1,984 |
| Total domestic deposits to total assets | 79.1409% | 4,515 |
| Equity capital to assets | 9.3994% | 4,329 |
| Core capital (leverage) ratio | 8.7524% | 4,902 |
| Tier 1 risk-based capital ratio | 11.5696% | 4,807 |
| Total risk-based capital ratio | 12.7272% | 4,758 |
| Memoranda: | ||
| Average total assets | $3,884,056,600 | 259 |
| Average earning assets | $3,606,283,600 | 250 |
| Average equity | $348,068,200 | 294 |
| Average total loans | $2,524,209,800 | 273 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 4,541 |
| Cost of funding earning assets | 0.3982% | 3,215 |
| Net interest margin | 3.2075% | 4,434 |
| Noninterest income to average assets | 0.5693% | 2,629 |
| Noninterest expense to average assets | 2.0153% | 4,921 |
| Loan and lease loss provision to assets | 0.3271% | 464 |
| Net operating income to assets | 0.8431% | 3,309 |
| Return on assets (ROA) | 0.8577% | 3,290 |
| Pretax return on assets | 1.2240% | 2,808 |
| Return on Equity (ROE) | 9.6969% | 2,261 |
| Retained earnings to average equity (ytd only) | 6.1620% | 2,137 |
| Net charge-offs to loans | 0.3239% | 649 |
| Credit loss provision to net charge-offs | 156.8644% | 1,628 |
| Earnings coverage of net charge-offs (x) | 7.3389% | 2,885 |
| Efficiency ratio | 56.6846% | 4,648 |
| Assets per employee ($millions) | 6.7806% | 1,039 |
| Cash dividends to net income (ytd only)* | 36.4535% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,307 |
| Loan loss allowance to noncurrent loans | 272.9201% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,766 |
| Noncurrent loans to loans | 0.4806% | 3,244 |
| Net loans and leases to total assets | 64.8184% | 3,278 |
| Net loans and leases to deposits | 78.4715% | 3,121 |
| Net loans and leases to core deposits | 90.3246% | 2,578 |
| Total domestic deposits to total assets | 82.6012% | 3,584 |
| Equity capital to assets | 9.2063% | 4,721 |
| Core capital (leverage) ratio | 8.5134% | 5,238 |
| Tier 1 risk-based capital ratio | 11.5247% | 4,951 |
| Total risk-based capital ratio | 12.7227% | 4,871 |
| Memoranda: | ||
| Average total assets | $3,837,799,250 | 261 |
| Average earning assets | $3,561,093,000 | 254 |
| Average equity | $339,467,500 | 301 |
| Average total loans | $2,470,828,500 | 277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 4,612 |
| Cost of funding earning assets | 0.3580% | 3,502 |
| Net interest margin | 3.2004% | 4,422 |
| Noninterest income to average assets | 0.5591% | 2,662 |
| Noninterest expense to average assets | 2.0144% | 4,952 |
| Loan and lease loss provision to assets | 0.3491% | 411 |
| Net operating income to assets | 0.8232% | 3,280 |
| Return on assets (ROA) | 0.8388% | 3,258 |
| Pretax return on assets | 1.1884% | 2,809 |
| Return on Equity (ROE) | 9.6206% | 2,203 |
| Retained earnings to average equity (ytd only) | 5.9872% | 2,123 |
| Net charge-offs to loans | 0.3624% | 561 |
| Credit loss provision to net charge-offs | 150.7065% | 1,516 |
| Earnings coverage of net charge-offs (x) | 6.5415% | 2,696 |
| Efficiency ratio | 56.9057% | 4,722 |
| Assets per employee ($millions) | 6.8063% | 1,010 |
| Cash dividends to net income (ytd only)* | 37.7667% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,330 |
| Loan loss allowance to noncurrent loans | 262.5416% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,802 |
| Noncurrent loans to loans | 0.5014% | 3,251 |
| Net loans and leases to total assets | 64.4068% | 3,331 |
| Net loans and leases to deposits | 79.0163% | 3,016 |
| Net loans and leases to core deposits | 90.9474% | 2,438 |
| Total domestic deposits to total assets | 81.5107% | 4,042 |
| Equity capital to assets | 9.0105% | 4,888 |
| Core capital (leverage) ratio | 8.2650% | 5,382 |
| Tier 1 risk-based capital ratio | 11.2581% | 5,111 |
| Total risk-based capital ratio | 12.4567% | 5,034 |
| Memoranda: | ||
| Average total assets | $3,788,072,670 | 265 |
| Average earning assets | $3,516,364,000 | 257 |
| Average equity | $330,271,670 | 308 |
| Average total loans | $2,421,557,330 | 282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 4,574 |
| Cost of funding earning assets | 0.3360% | 3,686 |
| Net interest margin | 3.2044% | 4,330 |
| Noninterest income to average assets | 0.5337% | 2,746 |
| Noninterest expense to average assets | 1.9612% | 5,127 |
| Loan and lease loss provision to assets | 0.2964% | 465 |
| Net operating income to assets | 0.8750% | 2,882 |
| Return on assets (ROA) | 0.8904% | 2,859 |
| Pretax return on assets | 1.2713% | 2,341 |
| Return on Equity (ROE) | 10.3912% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.6592% | 2,000 |
| Net charge-offs to loans | 0.4440% | 414 |
| Credit loss provision to net charge-offs | 105.5809% | 1,513 |
| Earnings coverage of net charge-offs (x) | 5.5053% | 2,289 |
| Efficiency ratio | 55.7538% | 4,957 |
| Assets per employee ($millions) | 6.6902% | 1,084 |
| Cash dividends to net income (ytd only)* | 35.9152% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,574 |
| Loan loss allowance to noncurrent loans | 387.5436% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,382 |
| Noncurrent loans to loans | 0.3335% | 3,910 |
| Net loans and leases to total assets | 62.0268% | 3,528 |
| Net loans and leases to deposits | 74.5433% | 3,349 |
| Net loans and leases to core deposits | 85.6619% | 2,750 |
| Total domestic deposits to total assets | 83.2090% | 3,764 |
| Equity capital to assets | 8.4823% | 5,253 |
| Core capital (leverage) ratio | 7.8848% | 5,601 |
| Tier 1 risk-based capital ratio | 10.9364% | 5,340 |
| Total risk-based capital ratio | 12.1081% | 5,305 |
| Memoranda: | ||
| Average total assets | $3,752,517,500 | 269 |
| Average earning assets | $3,481,876,500 | 260 |
| Average equity | $321,542,500 | 317 |
| Average total loans | $2,372,968,000 | 290 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 4,678 |
| Cost of funding earning assets | 0.3064% | 3,999 |
| Net interest margin | 3.2288% | 4,358 |
| Noninterest income to average assets | 0.6332% | 2,487 |
| Noninterest expense to average assets | 2.0508% | 5,093 |
| Loan and lease loss provision to assets | 0.2719% | 743 |
| Net operating income to assets | 0.9196% | 2,723 |
| Return on assets (ROA) | 0.9736% | 2,577 |
| Pretax return on assets | 1.3800% | 2,015 |
| Return on Equity (ROE) | 10.8939% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.8438% | 1,796 |
| Net charge-offs to loans | 0.2622% | 1,056 |
| Credit loss provision to net charge-offs | 166.4882% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.6505% | 2,730 |
| Efficiency ratio | 56.3532% | 5,033 |
| Assets per employee ($millions) | 6.2555% | 1,291 |
| Cash dividends to net income (ytd only)* | 46.3567% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 2,422 |
| Loan loss allowance to noncurrent loans | 488.9978% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,617 |
| Noncurrent loans to loans | 0.2702% | 4,182 |
| Net loans and leases to total assets | 62.8095% | 3,500 |
| Net loans and leases to deposits | 76.7216% | 3,237 |
| Net loans and leases to core deposits | 87.9316% | 2,683 |
| Total domestic deposits to total assets | 81.8667% | 4,111 |
| Equity capital to assets | 8.6586% | 5,144 |
| Core capital (leverage) ratio | 7.9177% | 5,656 |
| Tier 1 risk-based capital ratio | 11.0550% | 5,312 |
| Total risk-based capital ratio | 12.2560% | 5,235 |
| Memoranda: | ||
| Average total assets | $3,545,236,000 | 265 |
| Average earning assets | $3,286,804,200 | 263 |
| Average equity | $316,830,000 | 311 |
| Average total loans | $2,207,784,800 | 287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 4,759 |
| Cost of funding earning assets | 0.3038% | 4,057 |
| Net interest margin | 3.2143% | 4,448 |
| Noninterest income to average assets | 0.6461% | 2,443 |
| Noninterest expense to average assets | 2.0608% | 5,085 |
| Loan and lease loss provision to assets | 0.2385% | 811 |
| Net operating income to assets | 0.9369% | 2,718 |
| Return on assets (ROA) | 1.0023% | 2,560 |
| Pretax return on assets | 1.4190% | 1,974 |
| Return on Equity (ROE) | 11.1247% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.0682% | 2,149 |
| Net charge-offs to loans | 0.2463% | 952 |
| Credit loss provision to net charge-offs | 156.3994% | 1,726 |
| Earnings coverage of net charge-offs (x) | 10.2672% | 2,591 |
| Efficiency ratio | 56.6298% | 5,002 |
| Assets per employee ($millions) | 6.0376% | 1,406 |
| Cash dividends to net income (ytd only)* | 45.4528% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,773 |
| Loan loss allowance to noncurrent loans | 481.0687% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 4,740 |
| Noncurrent loans to loans | 0.2670% | 4,305 |
| Net loans and leases to total assets | 61.7481% | 3,663 |
| Net loans and leases to deposits | 73.2621% | 3,667 |
| Net loans and leases to core deposits | 84.5557% | 3,073 |
| Total domestic deposits to total assets | 84.2838% | 3,101 |
| Equity capital to assets | 8.9347% | 5,224 |
| Core capital (leverage) ratio | 8.0106% | 5,683 |
| Tier 1 risk-based capital ratio | 11.1604% | 5,281 |
| Total risk-based capital ratio | 12.3279% | 5,233 |
| Memoranda: | ||
| Average total assets | $3,511,987,500 | 264 |
| Average earning assets | $3,256,064,000 | 262 |
| Average equity | $316,416,750 | 311 |
| Average total loans | $2,174,428,250 | 287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 4,850 |
| Cost of funding earning assets | 0.2943% | 4,199 |
| Net interest margin | 3.2109% | 4,506 |
| Noninterest income to average assets | 0.6465% | 2,386 |
| Noninterest expense to average assets | 2.0907% | 5,080 |
| Loan and lease loss provision to assets | 0.2493% | 777 |
| Net operating income to assets | 0.9137% | 2,795 |
| Return on assets (ROA) | 0.9957% | 2,551 |
| Pretax return on assets | 1.3992% | 2,027 |
| Return on Equity (ROE) | 11.0194% | 1,634 |
| Retained earnings to average equity (ytd only) | 5.9092% | 2,172 |
| Net charge-offs to loans | 0.2695% | 886 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 9.2226% | 2,435 |
| Efficiency ratio | 57.4860% | 4,974 |
| Assets per employee ($millions) | 5.9520% | 1,432 |
| Cash dividends to net income (ytd only)* | 46.3741% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,846 |
| Loan loss allowance to noncurrent loans | 435.0976% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,716 |
| Noncurrent loans to loans | 0.2964% | 4,310 |
| Net loans and leases to total assets | 61.4494% | 3,690 |
| Net loans and leases to deposits | 75.9263% | 3,394 |
| Net loans and leases to core deposits | 87.8191% | 2,741 |
| Total domestic deposits to total assets | 80.9329% | 4,297 |
| Equity capital to assets | 9.0764% | 5,186 |
| Core capital (leverage) ratio | 8.0385% | 5,706 |
| Tier 1 risk-based capital ratio | 11.2617% | 5,289 |
| Total risk-based capital ratio | 12.4299% | 5,245 |
| Memoranda: | ||
| Average total assets | $3,465,075,670 | 267 |
| Average earning assets | $3,213,060,670 | 265 |
| Average equity | $313,102,670 | 308 |
| Average total loans | $2,137,625,000 | 290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 4,850 |
| Cost of funding earning assets | 0.2900% | 4,278 |
| Net interest margin | 3.2249% | 4,500 |
| Noninterest income to average assets | 0.6949% | 2,066 |
| Noninterest expense to average assets | 2.1349% | 5,039 |
| Loan and lease loss provision to assets | 0.2769% | 601 |
| Net operating income to assets | 0.9282% | 2,608 |
| Return on assets (ROA) | 0.9806% | 2,482 |
| Pretax return on assets | 1.3431% | 2,122 |
| Return on Equity (ROE) | 10.8769% | 1,638 |
| Retained earnings to average equity (ytd only) | 5.6888% | 2,536 |
| Net charge-offs to loans | 0.3590% | 619 |
| Credit loss provision to net charge-offs | 125.6233% | 1,391 |
| Earnings coverage of net charge-offs (x) | 7.0249% | 2,185 |
| Efficiency ratio | 57.7492% | 5,026 |
| Assets per employee ($millions) | 5.7223% | 1,647 |
| Cash dividends to net income (ytd only)* | 47.6985% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,880 |
| Loan loss allowance to noncurrent loans | 321.7929% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 4,552 |
| Noncurrent loans to loans | 0.4049% | 3,985 |
| Net loans and leases to total assets | 59.9180% | 3,785 |
| Net loans and leases to deposits | 70.1591% | 3,846 |
| Net loans and leases to core deposits | 80.0552% | 3,314 |
| Total domestic deposits to total assets | 85.4030% | 2,952 |
| Equity capital to assets | 9.0161% | 5,159 |
| Core capital (leverage) ratio | 8.1274% | 5,705 |
| Tier 1 risk-based capital ratio | 11.5282% | 5,225 |
| Total risk-based capital ratio | 12.7057% | 5,159 |
| Memoranda: | ||
| Average total assets | $3,420,936,500 | 266 |
| Average earning assets | $3,169,977,000 | 265 |
| Average equity | $308,396,000 | 311 |
| Average total loans | $2,100,417,500 | 287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,820 |
| Cost of funding earning assets | 0.2794% | 4,490 |
| Net interest margin | 3.2602% | 4,438 |
| Noninterest income to average assets | 0.6654% | 2,376 |
| Noninterest expense to average assets | 2.1915% | 5,062 |
| Loan and lease loss provision to assets | 0.2268% | 892 |
| Net operating income to assets | 0.8965% | 2,890 |
| Return on assets (ROA) | 0.9398% | 2,737 |
| Pretax return on assets | 1.3157% | 2,224 |
| Return on Equity (ROE) | 10.7677% | 1,702 |
| Retained earnings to average equity (ytd only) | 5.1351% | 2,325 |
| Net charge-offs to loans | 0.3979% | 723 |
| Credit loss provision to net charge-offs | 93.0417% | 2,701 |
| Earnings coverage of net charge-offs (x) | 6.0773% | 3,281 |
| Efficiency ratio | 59.4203% | 4,985 |
| Assets per employee ($millions) | 5.3626% | 1,943 |
| Cash dividends to net income (ytd only)* | 52.3098% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,909 |
| Loan loss allowance to noncurrent loans | 320.9123% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 4,567 |
| Noncurrent loans to loans | 0.4048% | 4,008 |
| Net loans and leases to total assets | 61.3082% | 3,648 |
| Net loans and leases to deposits | 74.9781% | 3,384 |
| Net loans and leases to core deposits | 84.9499% | 2,884 |
| Total domestic deposits to total assets | 81.7681% | 4,233 |
| Equity capital to assets | 9.0138% | 5,106 |
| Core capital (leverage) ratio | 8.0949% | 5,781 |
| Tier 1 risk-based capital ratio | 11.4906% | 5,265 |
| Total risk-based capital ratio | 12.6629% | 5,204 |
| Memoranda: | ||
| Average total assets | $3,254,509,800 | 262 |
| Average earning assets | $3,002,318,000 | 258 |
| Average equity | $284,062,200 | 317 |
| Average total loans | $1,993,816,800 | 286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 4,943 |
| Cost of funding earning assets | 0.2753% | 4,608 |
| Net interest margin | 3.2412% | 4,552 |
| Noninterest income to average assets | 0.6711% | 2,382 |
| Noninterest expense to average assets | 2.1651% | 5,136 |
| Loan and lease loss provision to assets | 0.1975% | 1,021 |
| Net operating income to assets | 0.9247% | 2,834 |
| Return on assets (ROA) | 0.9642% | 2,736 |
| Pretax return on assets | 1.3530% | 2,201 |
| Return on Equity (ROE) | 11.1419% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.4161% | 2,629 |
| Net charge-offs to loans | 0.4035% | 636 |
| Credit loss provision to net charge-offs | 80.1844% | 2,610 |
| Earnings coverage of net charge-offs (x) | 6.0691% | 3,111 |
| Efficiency ratio | 58.9016% | 5,017 |
| Assets per employee ($millions) | 5.4160% | 1,857 |
| Cash dividends to net income (ytd only)* | 51.3897% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 3,106 |
| Loan loss allowance to noncurrent loans | 311.4918% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,718 |
| Noncurrent loans to loans | 0.4168% | 4,108 |
| Net loans and leases to total assets | 60.2880% | 3,839 |
| Net loans and leases to deposits | 72.5809% | 3,694 |
| Net loans and leases to core deposits | 81.1327% | 3,334 |
| Total domestic deposits to total assets | 83.0631% | 3,798 |
| Equity capital to assets | 9.1310% | 5,183 |
| Core capital (leverage) ratio | 8.0128% | 5,895 |
| Tier 1 risk-based capital ratio | 11.5521% | 5,342 |
| Total risk-based capital ratio | 12.7174% | 5,313 |
| Memoranda: | ||
| Average total assets | $3,228,890,500 | 269 |
| Average earning assets | $2,977,558,750 | 264 |
| Average equity | $279,429,750 | 324 |
| Average total loans | $1,970,973,000 | 291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 5,014 |
| Cost of funding earning assets | 0.2644% | 4,780 |
| Net interest margin | 3.2255% | 4,579 |
| Noninterest income to average assets | 0.6745% | 2,325 |
| Noninterest expense to average assets | 2.1808% | 5,166 |
| Loan and lease loss provision to assets | 0.2524% | 688 |
| Net operating income to assets | 0.8546% | 3,113 |
| Return on assets (ROA) | 0.9011% | 2,991 |
| Pretax return on assets | 1.2804% | 2,433 |
| Return on Equity (ROE) | 10.6166% | 1,805 |
| Retained earnings to average equity (ytd only) | 4.7131% | 3,045 |
| Net charge-offs to loans | 0.4276% | 602 |
| Credit loss provision to net charge-offs | 96.7115% | 2,118 |
| Earnings coverage of net charge-offs (x) | 5.6193% | 2,905 |
| Efficiency ratio | 59.5308% | 5,044 |
| Assets per employee ($millions) | 5.5537% | 1,692 |
| Cash dividends to net income (ytd only)* | 55.6058% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 2,900 |
| Loan loss allowance to noncurrent loans | 256.8413% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,577 |
| Noncurrent loans to loans | 0.5328% | 3,858 |
| Net loans and leases to total assets | 59.3873% | 3,920 |
| Net loans and leases to deposits | 74.1594% | 3,474 |
| Net loans and leases to core deposits | 82.4295% | 3,129 |
| Total domestic deposits to total assets | 80.0806% | 4,845 |
| Equity capital to assets | 8.8094% | 5,428 |
| Core capital (leverage) ratio | 8.0646% | 5,897 |
| Tier 1 risk-based capital ratio | 11.3276% | 5,562 |
| Total risk-based capital ratio | 12.5386% | 5,507 |
| Memoranda: | ||
| Average total assets | $3,193,109,330 | 270 |
| Average earning assets | $2,942,720,330 | 265 |
| Average equity | $271,029,000 | 332 |
| Average total loans | $1,948,696,000 | 291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,942 |
| Cost of funding earning assets | 0.2575% | 4,932 |
| Net interest margin | 3.2493% | 4,422 |
| Noninterest income to average assets | 0.7066% | 2,140 |
| Noninterest expense to average assets | 2.2069% | 5,125 |
| Loan and lease loss provision to assets | 0.3513% | 364 |
| Net operating income to assets | 0.8031% | 3,245 |
| Return on assets (ROA) | 0.8984% | 2,877 |
| Pretax return on assets | 1.2764% | 2,370 |
| Return on Equity (ROE) | 10.8028% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.6377% | 3,246 |
| Net charge-offs to loans | 0.6646% | 365 |
| Credit loss provision to net charge-offs | 86.0056% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.6514% | 2,584 |
| Efficiency ratio | 59.4005% | 5,170 |
| Assets per employee ($millions) | 5.3838% | 1,910 |
| Cash dividends to net income (ytd only)* | 57.0695% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 2,855 |
| Loan loss allowance to noncurrent loans | 245.5835% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 4,594 |
| Noncurrent loans to loans | 0.5756% | 3,858 |
| Net loans and leases to total assets | 59.7028% | 3,699 |
| Net loans and leases to deposits | 69.8249% | 3,766 |
| Net loans and leases to core deposits | 77.1225% | 3,472 |
| Total domestic deposits to total assets | 85.5036% | 3,175 |
| Equity capital to assets | 8.2711% | 5,889 |
| Core capital (leverage) ratio | 7.2210% | 6,213 |
| Tier 1 risk-based capital ratio | 10.0290% | 6,163 |
| Total risk-based capital ratio | 11.2708% | 6,114 |
| Memoranda: | ||
| Average total assets | $3,120,770,500 | 276 |
| Average earning assets | $2,873,453,500 | 270 |
| Average equity | $259,524,500 | 340 |
| Average total loans | $1,918,183,500 | 290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,809 |
| Cost of funding earning assets | 0.2640% | 5,176 |
| Net interest margin | 3.4259% | 4,082 |
| Noninterest income to average assets | 0.6851% | 2,366 |
| Noninterest expense to average assets | 2.2496% | 5,243 |
| Loan and lease loss provision to assets | 0.2592% | 863 |
| Net operating income to assets | 0.9811% | 2,477 |
| Return on assets (ROA) | 1.0313% | 2,331 |
| Pretax return on assets | 1.3885% | 1,919 |
| Return on Equity (ROE) | 12.2477% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.3447% | 3,092 |
| Net charge-offs to loans | 0.3662% | 1,188 |
| Credit loss provision to net charge-offs | 113.0807% | 2,102 |
| Earnings coverage of net charge-offs (x) | 6.8929% | 3,126 |
| Efficiency ratio | 58.4497% | 5,413 |
| Assets per employee ($millions) | 5.1688% | 2,103 |
| Cash dividends to net income (ytd only)* | 64.5265% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 2,716 |
| Loan loss allowance to noncurrent loans | 272.2053% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 4,704 |
| Noncurrent loans to loans | 0.5308% | 4,075 |
| Net loans and leases to total assets | 61.5025% | 3,571 |
| Net loans and leases to deposits | 76.7182% | 3,115 |
| Net loans and leases to core deposits | 83.8148% | 2,917 |
| Total domestic deposits to total assets | 80.1668% | 4,971 |
| Equity capital to assets | 8.3626% | 5,853 |
| Core capital (leverage) ratio | 7.2088% | 6,270 |
| Tier 1 risk-based capital ratio | 10.2836% | 6,185 |
| Total risk-based capital ratio | 11.5345% | 6,130 |
| Memoranda: | ||
| Average total assets | $3,005,357,400 | 267 |
| Average earning assets | $2,758,317,400 | 266 |
| Average equity | $253,068,600 | 330 |
| Average total loans | $1,881,047,400 | 279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,928 |
| Cost of funding earning assets | 0.2640% | 5,266 |
| Net interest margin | 3.4089% | 4,201 |
| Noninterest income to average assets | 0.7708% | 2,012 |
| Noninterest expense to average assets | 2.2352% | 5,271 |
| Loan and lease loss provision to assets | 0.2621% | 813 |
| Net operating income to assets | 0.9600% | 2,640 |
| Return on assets (ROA) | 1.0139% | 2,452 |
| Pretax return on assets | 1.4812% | 1,708 |
| Return on Equity (ROE) | 12.0198% | 1,473 |
| Retained earnings to average equity (ytd only) | 3.5630% | 4,111 |
| Net charge-offs to loans | 0.3823% | 1,044 |
| Credit loss provision to net charge-offs | 109.4582% | 2,049 |
| Earnings coverage of net charge-offs (x) | 6.9488% | 2,998 |
| Efficiency ratio | 57.0266% | 5,554 |
| Assets per employee ($millions) | 5.1367% | 2,092 |
| Cash dividends to net income (ytd only)* | 70.3575% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,045 |
| Loan loss allowance to noncurrent loans | 332.8935% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 5,121 |
| Noncurrent loans to loans | 0.4287% | 4,621 |
| Net loans and leases to total assets | 61.9813% | 3,485 |
| Net loans and leases to deposits | 73.8550% | 3,449 |
| Net loans and leases to core deposits | 81.4263% | 3,157 |
| Total domestic deposits to total assets | 83.9230% | 3,794 |
| Equity capital to assets | 8.4206% | 5,863 |
| Core capital (leverage) ratio | 7.2160% | 6,350 |
| Tier 1 risk-based capital ratio | 10.2931% | 6,267 |
| Total risk-based capital ratio | 11.5441% | 6,231 |
| Memoranda: | ||
| Average total assets | $2,990,419,500 | 266 |
| Average earning assets | $2,744,389,500 | 264 |
| Average equity | $252,255,250 | 327 |
| Average total loans | $1,873,120,000 | 276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,911 |
| Cost of funding earning assets | 0.2610% | 5,375 |
| Net interest margin | 3.4234% | 4,089 |
| Noninterest income to average assets | 0.7629% | 1,996 |
| Noninterest expense to average assets | 2.2450% | 5,300 |
| Loan and lease loss provision to assets | 0.2597% | 818 |
| Net operating income to assets | 0.9627% | 2,491 |
| Return on assets (ROA) | 1.0212% | 2,311 |
| Pretax return on assets | 1.4848% | 1,582 |
| Return on Equity (ROE) | 12.0989% | 1,392 |
| Retained earnings to average equity (ytd only) | 5.7277% | 2,493 |
| Net charge-offs to loans | 0.3690% | 1,106 |
| Credit loss provision to net charge-offs | 112.5218% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.1899% | 2,667 |
| Efficiency ratio | 57.1925% | 5,640 |
| Assets per employee ($millions) | 4.9582% | 2,273 |
| Cash dividends to net income (ytd only)* | 52.6593% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 3,180 |
| Loan loss allowance to noncurrent loans | 305.5449% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 5,109 |
| Noncurrent loans to loans | 0.4687% | 4,595 |
| Net loans and leases to total assets | 62.5359% | 3,319 |
| Net loans and leases to deposits | 75.9198% | 3,068 |
| Net loans and leases to core deposits | 83.5019% | 2,791 |
| Total domestic deposits to total assets | 82.3710% | 4,517 |
| Equity capital to assets | 8.6230% | 5,688 |
| Core capital (leverage) ratio | 7.2341% | 6,387 |
| Tier 1 risk-based capital ratio | 10.3772% | 6,289 |
| Total risk-based capital ratio | 11.6282% | 6,249 |
| Memoranda: | ||
| Average total assets | $2,975,291,670 | 267 |
| Average earning assets | $2,730,585,000 | 261 |
| Average equity | $251,129,330 | 323 |
| Average total loans | $1,861,202,000 | 276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,840 |
| Cost of funding earning assets | 0.2618% | 5,468 |
| Net interest margin | 3.4407% | 3,937 |
| Noninterest income to average assets | 0.7951% | 1,769 |
| Noninterest expense to average assets | 2.2373% | 5,362 |
| Loan and lease loss provision to assets | 0.2838% | 712 |
| Net operating income to assets | 0.9834% | 2,272 |
| Return on assets (ROA) | 1.0125% | 2,228 |
| Pretax return on assets | 1.4763% | 1,503 |
| Return on Equity (ROE) | 12.1281% | 1,377 |
| Retained earnings to average equity (ytd only) | 5.6710% | 2,706 |
| Net charge-offs to loans | 0.3667% | 984 |
| Credit loss provision to net charge-offs | 124.6154% | 1,421 |
| Earnings coverage of net charge-offs (x) | 7.5426% | 2,109 |
| Efficiency ratio | 56.2594% | 5,814 |
| Assets per employee ($millions) | 5.0318% | 2,216 |
| Cash dividends to net income (ytd only)* | 53.2410% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 3,294 |
| Loan loss allowance to noncurrent loans | 166.8838% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 4,486 |
| Noncurrent loans to loans | 0.8796% | 3,686 |
| Net loans and leases to total assets | 60.4697% | 3,481 |
| Net loans and leases to deposits | 71.5447% | 3,401 |
| Net loans and leases to core deposits | 79.7031% | 3,006 |
| Total domestic deposits to total assets | 84.5202% | 4,079 |
| Equity capital to assets | 8.3418% | 5,788 |
| Core capital (leverage) ratio | 7.1169% | 6,447 |
| Tier 1 risk-based capital ratio | 10.3285% | 6,387 |
| Total risk-based capital ratio | 11.5797% | 6,342 |
| Memoranda: | ||
| Average total assets | $2,968,035,500 | 264 |
| Average earning assets | $2,725,982,000 | 260 |
| Average equity | $247,789,000 | 328 |
| Average total loans | $1,843,370,000 | 274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 4,694 |
| Cost of funding earning assets | 0.2825% | 5,745 |
| Net interest margin | 3.5480% | 3,692 |
| Noninterest income to average assets | 0.7458% | 2,308 |
| Noninterest expense to average assets | 2.3080% | 5,360 |
| Loan and lease loss provision to assets | 0.3210% | 1,025 |
| Net operating income to assets | 0.9189% | 2,689 |
| Return on assets (ROA) | 0.9479% | 2,648 |
| Pretax return on assets | 1.4176% | 1,725 |
| Return on Equity (ROE) | 11.0672% | 1,745 |
| Retained earnings to average equity (ytd only) | 4.8761% | 2,683 |
| Net charge-offs to loans | 0.4013% | 1,680 |
| Credit loss provision to net charge-offs | 128.6342% | 1,824 |
| Earnings coverage of net charge-offs (x) | 6.7939% | 2,983 |
| Efficiency ratio | 57.3130% | 5,815 |
| Assets per employee ($millions) | 4.8139% | 2,426 |
| Cash dividends to net income (ytd only)* | 55.9409% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,400 |
| Loan loss allowance to noncurrent loans | 160.8471% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 4,484 |
| Noncurrent loans to loans | 0.9048% | 3,721 |
| Net loans and leases to total assets | 61.9525% | 3,370 |
| Net loans and leases to deposits | 77.7723% | 2,748 |
| Net loans and leases to core deposits | 84.5352% | 2,614 |
| Total domestic deposits to total assets | 79.6589% | 5,518 |
| Equity capital to assets | 8.3556% | 5,731 |
| Core capital (leverage) ratio | 7.2654% | 6,453 |
| Tier 1 risk-based capital ratio | 10.3081% | 6,430 |
| Total risk-based capital ratio | 11.5593% | 6,388 |
| Memoranda: | ||
| Average total assets | $2,828,647,400 | 266 |
| Average earning assets | $2,596,940,000 | 264 |
| Average equity | $242,283,200 | 328 |
| Average total loans | $1,758,599,000 | 273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,716 |
| Cost of funding earning assets | 0.2847% | 5,851 |
| Net interest margin | 3.5516% | 3,649 |
| Noninterest income to average assets | 0.7458% | 2,381 |
| Noninterest expense to average assets | 2.3151% | 5,292 |
| Loan and lease loss provision to assets | 0.3171% | 1,066 |
| Net operating income to assets | 0.9173% | 2,747 |
| Return on assets (ROA) | 0.9563% | 2,656 |
| Pretax return on assets | 1.4322% | 1,826 |
| Return on Equity (ROE) | 11.0941% | 1,787 |
| Retained earnings to average equity (ytd only) | 5.0290% | 3,057 |
| Net charge-offs to loans | 0.3604% | 1,757 |
| Credit loss provision to net charge-offs | 141.9272% | 1,655 |
| Earnings coverage of net charge-offs (x) | 7.5690% | 2,779 |
| Efficiency ratio | 57.4389% | 5,751 |
| Assets per employee ($millions) | 4.7251% | 2,540 |
| Cash dividends to net income (ytd only)* | 54.6692% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 3,467 |
| Loan loss allowance to noncurrent loans | 258.1254% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 5,266 |
| Noncurrent loans to loans | 0.5800% | 4,753 |
| Net loans and leases to total assets | 61.3189% | 3,474 |
| Net loans and leases to deposits | 72.4554% | 3,459 |
| Net loans and leases to core deposits | 78.2844% | 3,321 |
| Total domestic deposits to total assets | 84.6299% | 3,915 |
| Equity capital to assets | 8.3233% | 5,897 |
| Core capital (leverage) ratio | 7.3411% | 6,496 |
| Tier 1 risk-based capital ratio | 10.4645% | 6,467 |
| Total risk-based capital ratio | 11.7162% | 6,434 |
| Memoranda: | ||
| Average total assets | $2,805,305,000 | 269 |
| Average earning assets | $2,575,345,250 | 265 |
| Average equity | $241,816,250 | 326 |
| Average total loans | $1,738,998,750 | 278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,656 |
| Cost of funding earning assets | 0.2870% | 5,927 |
| Net interest margin | 3.5621% | 3,517 |
| Noninterest income to average assets | 0.7307% | 2,500 |
| Noninterest expense to average assets | 2.3421% | 5,234 |
| Loan and lease loss provision to assets | 0.2801% | 1,305 |
| Net operating income to assets | 0.9233% | 2,687 |
| Return on assets (ROA) | 0.9822% | 2,551 |
| Pretax return on assets | 1.4745% | 1,697 |
| Return on Equity (ROE) | 11.2619% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.5001% | 2,741 |
| Net charge-offs to loans | 0.3509% | 1,788 |
| Credit loss provision to net charge-offs | 128.9491% | 1,755 |
| Earnings coverage of net charge-offs (x) | 7.6725% | 2,517 |
| Efficiency ratio | 58.0674% | 5,727 |
| Assets per employee ($millions) | 4.6146% | 2,628 |
| Cash dividends to net income (ytd only)* | 51.1621% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,743 |
| Loan loss allowance to noncurrent loans | 226.5604% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 5,207 |
| Noncurrent loans to loans | 0.6466% | 4,650 |
| Net loans and leases to total assets | 61.9602% | 3,293 |
| Net loans and leases to deposits | 73.8051% | 3,187 |
| Net loans and leases to core deposits | 79.9824% | 3,028 |
| Total domestic deposits to total assets | 83.9511% | 4,336 |
| Equity capital to assets | 8.4979% | 5,767 |
| Core capital (leverage) ratio | 7.2778% | 6,535 |
| Tier 1 risk-based capital ratio | 10.5178% | 6,497 |
| Total risk-based capital ratio | 11.7691% | 6,472 |
| Memoranda: | ||
| Average total assets | $2,785,945,000 | 271 |
| Average earning assets | $2,563,837,330 | 264 |
| Average equity | $242,979,000 | 325 |
| Average total loans | $1,724,504,330 | 281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,587 |
| Cost of funding earning assets | 0.2898% | 6,044 |
| Net interest margin | 3.5798% | 3,344 |
| Noninterest income to average assets | 0.7038% | 2,572 |
| Noninterest expense to average assets | 2.3612% | 5,231 |
| Loan and lease loss provision to assets | 0.3884% | 807 |
| Net operating income to assets | 0.8358% | 2,976 |
| Return on assets (ROA) | 0.9215% | 2,703 |
| Pretax return on assets | 1.3778% | 1,926 |
| Return on Equity (ROE) | 10.4321% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.5626% | 2,922 |
| Net charge-offs to loans | 0.3726% | 1,525 |
| Credit loss provision to net charge-offs | 169.7368% | 1,239 |
| Earnings coverage of net charge-offs (x) | 7.1598% | 2,107 |
| Efficiency ratio | 58.6751% | 5,758 |
| Assets per employee ($millions) | 4.6536% | 2,724 |
| Cash dividends to net income (ytd only)* | 46.6781% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,820 |
| Loan loss allowance to noncurrent loans | 219.5054% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 5,275 |
| Noncurrent loans to loans | 0.6843% | 4,760 |
| Net loans and leases to total assets | 60.0548% | 3,419 |
| Net loans and leases to deposits | 70.1775% | 3,451 |
| Net loans and leases to core deposits | 75.3293% | 3,406 |
| Total domestic deposits to total assets | 85.5755% | 3,755 |
| Equity capital to assets | 8.7617% | 5,746 |
| Core capital (leverage) ratio | 7.1831% | 6,588 |
| Tier 1 risk-based capital ratio | 10.4504% | 6,594 |
| Total risk-based capital ratio | 11.7020% | 6,576 |
| Memoranda: | ||
| Average total assets | $2,789,923,000 | 273 |
| Average earning assets | $2,568,548,500 | 266 |
| Average equity | $246,432,500 | 326 |
| Average total loans | $1,713,338,000 | 285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 4,661 |
| Cost of funding earning assets | 0.3857% | 6,012 |
| Net interest margin | 3.7944% | 3,248 |
| Noninterest income to average assets | 0.7718% | 2,383 |
| Noninterest expense to average assets | 2.6359% | 4,617 |
| Loan and lease loss provision to assets | 0.2783% | 2,428 |
| Net operating income to assets | 0.8901% | 2,863 |
| Return on assets (ROA) | 0.9571% | 2,762 |
| Pretax return on assets | 1.4339% | 1,925 |
| Return on Equity (ROE) | 10.4091% | 1,998 |
| Retained earnings to average equity (ytd only) | 8.7109% | 908 |
| Net charge-offs to loans | 0.3545% | 2,859 |
| Credit loss provision to net charge-offs | 125.6257% | 2,252 |
| Earnings coverage of net charge-offs (x) | 7.2788% | 2,643 |
| Efficiency ratio | 61.8737% | 5,255 |
| Assets per employee ($millions) | 4.4874% | 2,983 |
| Cash dividends to net income (ytd only)* | 16.3152% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 3,954 |
| Loan loss allowance to noncurrent loans | 270.8384% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 5,600 |
| Noncurrent loans to loans | 0.5345% | 5,190 |
| Net loans and leases to total assets | 60.9669% | 3,424 |
| Net loans and leases to deposits | 74.1579% | 3,067 |
| Net loans and leases to core deposits | 79.2124% | 3,121 |
| Total domestic deposits to total assets | 82.2122% | 5,028 |
| Equity capital to assets | 8.9058% | 5,628 |
| Core capital (leverage) ratio | 7.3972% | 6,540 |
| Tier 1 risk-based capital ratio | 10.2907% | 6,618 |
| Total risk-based capital ratio | 11.5417% | 6,584 |
| Memoranda: | ||
| Average total assets | $2,561,601,200 | 281 |
| Average earning assets | $2,346,899,200 | 278 |
| Average equity | $235,533,400 | 324 |
| Average total loans | $1,600,748,600 | 288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 4,741 |
| Cost of funding earning assets | 0.4086% | 6,068 |
| Net interest margin | 3.8137% | 3,277 |
| Noninterest income to average assets | 0.7718% | 2,367 |
| Noninterest expense to average assets | 2.7056% | 4,345 |
| Loan and lease loss provision to assets | 0.2446% | 2,609 |
| Net operating income to assets | 0.8788% | 3,084 |
| Return on assets (ROA) | 0.9525% | 2,958 |
| Pretax return on assets | 1.4250% | 2,157 |
| Return on Equity (ROE) | 10.2705% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.1259% | 1,176 |
| Net charge-offs to loans | 0.3021% | 2,929 |
| Credit loss provision to net charge-offs | 129.1842% | 2,228 |
| Earnings coverage of net charge-offs (x) | 8.2377% | 2,480 |
| Efficiency ratio | 63.3275% | 4,918 |
| Assets per employee ($millions) | 4.3463% | 3,169 |
| Cash dividends to net income (ytd only)* | 11.1445% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 4,099 |
| Loan loss allowance to noncurrent loans | 232.9021% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,589 |
| Noncurrent loans to loans | 0.6284% | 5,183 |
| Net loans and leases to total assets | 61.8116% | 3,420 |
| Net loans and leases to deposits | 70.0113% | 3,895 |
| Net loans and leases to core deposits | 74.4956% | 3,911 |
| Total domestic deposits to total assets | 88.2880% | 1,856 |
| Equity capital to assets | 9.1848% | 5,612 |
| Core capital (leverage) ratio | 7.3360% | 6,704 |
| Tier 1 risk-based capital ratio | 10.4448% | 6,687 |
| Total risk-based capital ratio | 11.6961% | 6,666 |
| Memoranda: | ||
| Average total assets | $2,512,065,250 | 286 |
| Average earning assets | $2,301,068,000 | 281 |
| Average equity | $232,972,500 | 328 |
| Average total loans | $1,574,124,750 | 293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 4,975 |
| Cost of funding earning assets | 0.4289% | 6,104 |
| Net interest margin | 3.7646% | 3,516 |
| Noninterest income to average assets | 0.7713% | 2,330 |
| Noninterest expense to average assets | 2.4844% | 5,192 |
| Loan and lease loss provision to assets | 0.2306% | 2,769 |
| Net operating income to assets | 0.9958% | 2,482 |
| Return on assets (ROA) | 1.0748% | 2,369 |
| Pretax return on assets | 1.6276% | 1,467 |
| Return on Equity (ROE) | 11.5492% | 1,813 |
| Retained earnings to average equity (ytd only) | 11.5492% | 654 |
| Net charge-offs to loans | 0.2568% | 3,038 |
| Credit loss provision to net charge-offs | 143.3468% | 1,929 |
| Earnings coverage of net charge-offs (x) | 10.8085% | 2,018 |
| Efficiency ratio | 58.8336% | 5,753 |
| Assets per employee ($millions) | 4.5193% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 4,089 |
| Loan loss allowance to noncurrent loans | 212.7172% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 5,541 |
| Noncurrent loans to loans | 0.6974% | 5,107 |
| Net loans and leases to total assets | 61.2117% | 3,589 |
| Net loans and leases to deposits | 74.7928% | 3,158 |
| Net loans and leases to core deposits | 79.9230% | 3,233 |
| Total domestic deposits to total assets | 81.8418% | 5,188 |
| Equity capital to assets | 9.0776% | 5,607 |
| Core capital (leverage) ratio | 7.8979% | 6,371 |
| Tier 1 risk-based capital ratio | 10.8827% | 6,550 |
| Total risk-based capital ratio | 12.1342% | 6,533 |
| Memoranda: | ||
| Average total assets | $2,467,117,670 | 292 |
| Average earning assets | $2,261,966,000 | 288 |
| Average equity | $229,592,000 | 330 |
| Average total loans | $1,545,367,670 | 300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 4,718 |
| Cost of funding earning assets | 0.4580% | 6,095 |
| Net interest margin | 3.8465% | 3,149 |
| Noninterest income to average assets | 0.7621% | 2,336 |
| Noninterest expense to average assets | 2.4759% | 5,232 |
| Loan and lease loss provision to assets | 0.2316% | 2,633 |
| Net operating income to assets | 1.0423% | 2,316 |
| Return on assets (ROA) | 1.0687% | 2,401 |
| Pretax return on assets | 1.6182% | 1,511 |
| Return on Equity (ROE) | 11.3322% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.3322% | 957 |
| Net charge-offs to loans | 0.2344% | 2,756 |
| Credit loss provision to net charge-offs | 157.0295% | 1,614 |
| Earnings coverage of net charge-offs (x) | 12.2710% | 1,614 |
| Efficiency ratio | 57.7738% | 5,948 |
| Assets per employee ($millions) | 4.4320% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 3,890 |
| Loan loss allowance to noncurrent loans | 289.0524% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 5,843 |
| Noncurrent loans to loans | 0.5398% | 5,581 |
| Net loans and leases to total assets | 61.0641% | 3,435 |
| Net loans and leases to deposits | 72.3049% | 3,387 |
| Net loans and leases to core deposits | 77.2256% | 3,435 |
| Total domestic deposits to total assets | 84.4536% | 4,295 |
| Equity capital to assets | 9.2979% | 5,096 |
| Core capital (leverage) ratio | 8.3092% | 5,861 |
| Tier 1 risk-based capital ratio | 11.5390% | 6,257 |
| Total risk-based capital ratio | 12.7912% | 6,233 |
| Memoranda: | ||
| Average total assets | $2,392,336,000 | 298 |
| Average earning assets | $2,191,370,500 | 292 |
| Average equity | $225,622,000 | 326 |
| Average total loans | $1,505,133,500 | 301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 4,864 |
| Cost of funding earning assets | 0.5790% | 6,193 |
| Net interest margin | 3.9746% | 3,004 |
| Noninterest income to average assets | 0.8244% | 1,950 |
| Noninterest expense to average assets | 2.6149% | 5,036 |
| Loan and lease loss provision to assets | 0.3396% | 2,980 |
| Net operating income to assets | 0.9927% | 2,225 |
| Return on assets (ROA) | 1.0787% | 2,031 |
| Pretax return on assets | 1.6398% | 1,123 |
| Return on Equity (ROE) | 11.5488% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.2491% | 1,385 |
| Net charge-offs to loans | 0.3556% | 3,628 |
| Credit loss provision to net charge-offs | 156.0369% | 1,802 |
| Earnings coverage of net charge-offs (x) | 8.4956% | 2,136 |
| Efficiency ratio | 58.5772% | 5,965 |
| Assets per employee ($millions) | 4.1374% | 3,576 |
| Cash dividends to net income (ytd only)* | 37.2304% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,732 |
| Loan loss allowance to noncurrent loans | 328.7168% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 5,986 |
| Noncurrent loans to loans | 0.4758% | 5,757 |
| Net loans and leases to total assets | 62.8469% | 3,442 |
| Net loans and leases to deposits | 75.3925% | 3,278 |
| Net loans and leases to core deposits | 79.8654% | 3,463 |
| Total domestic deposits to total assets | 83.3596% | 4,604 |
| Equity capital to assets | 9.5714% | 4,779 |
| Core capital (leverage) ratio | 8.0989% | 6,142 |
| Tier 1 risk-based capital ratio | 11.4602% | 6,188 |
| Total risk-based capital ratio | 12.7127% | 6,174 |
| Memoranda: | ||
| Average total assets | $2,290,743,200 | 306 |
| Average earning assets | $2,097,645,200 | 298 |
| Average equity | $213,971,200 | 327 |
| Average total loans | $1,402,118,400 | 317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 5,039 |
| Cost of funding earning assets | 0.6008% | 6,284 |
| Net interest margin | 3.9595% | 3,108 |
| Noninterest income to average assets | 0.8369% | 1,893 |
| Noninterest expense to average assets | 2.5936% | 5,100 |
| Loan and lease loss provision to assets | 0.3284% | 2,914 |
| Net operating income to assets | 1.0122% | 2,278 |
| Return on assets (ROA) | 1.1027% | 2,100 |
| Pretax return on assets | 1.6825% | 1,178 |
| Return on Equity (ROE) | 11.8805% | 1,580 |
| Retained earnings to average equity (ytd only) | 6.0870% | 2,509 |
| Net charge-offs to loans | 0.3000% | 3,596 |
| Credit loss provision to net charge-offs | 180.8175% | 1,645 |
| Earnings coverage of net charge-offs (x) | 10.3174% | 1,941 |
| Efficiency ratio | 58.0578% | 6,003 |
| Assets per employee ($millions) | 4.1778% | 3,490 |
| Cash dividends to net income (ytd only)* | 48.7650% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 3,677 |
| Loan loss allowance to noncurrent loans | 294.6903% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,657 |
| Noncurrent loans to loans | 0.5424% | 5,781 |
| Net loans and leases to total assets | 60.1395% | 4,103 |
| Net loans and leases to deposits | 70.8745% | 4,156 |
| Net loans and leases to core deposits | 74.2551% | 4,416 |
| Total domestic deposits to total assets | 84.8535% | 3,844 |
| Equity capital to assets | 9.5476% | 5,012 |
| Core capital (leverage) ratio | 7.9618% | 6,432 |
| Tier 1 risk-based capital ratio | 11.2474% | 6,401 |
| Total risk-based capital ratio | 12.4998% | 6,378 |
| Memoranda: | ||
| Average total assets | $2,281,090,750 | 307 |
| Average earning assets | $2,091,498,750 | 299 |
| Average equity | $211,726,000 | 335 |
| Average total loans | $1,380,851,500 | 322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 5,036 |
| Cost of funding earning assets | 0.6265% | 6,331 |
| Net interest margin | 3.9578% | 3,049 |
| Noninterest income to average assets | 0.8177% | 1,935 |
| Noninterest expense to average assets | 2.5813% | 5,258 |
| Loan and lease loss provision to assets | 0.1894% | 4,026 |
| Net operating income to assets | 1.1056% | 1,856 |
| Return on assets (ROA) | 1.1060% | 1,941 |
| Pretax return on assets | 1.6935% | 1,068 |
| Return on Equity (ROE) | 12.0360% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.0944% | 2,947 |
| Net charge-offs to loans | 0.2896% | 3,428 |
| Credit loss provision to net charge-offs | 108.4178% | 2,825 |
| Earnings coverage of net charge-offs (x) | 10.7738% | 1,768 |
| Efficiency ratio | 57.8293% | 6,184 |
| Assets per employee ($millions) | 3.9868% | 3,778 |
| Cash dividends to net income (ytd only)* | 57.6738% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,166 |
| Loan loss allowance to noncurrent loans | 295.6297% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,636 |
| Noncurrent loans to loans | 0.5048% | 5,893 |
| Net loans and leases to total assets | 59.8271% | 4,302 |
| Net loans and leases to deposits | 71.6144% | 4,181 |
| Net loans and leases to core deposits | 75.1967% | 4,409 |
| Total domestic deposits to total assets | 83.5406% | 4,538 |
| Equity capital to assets | 9.5255% | 4,778 |
| Core capital (leverage) ratio | 7.8399% | 6,468 |
| Tier 1 risk-based capital ratio | 11.5550% | 6,129 |
| Total risk-based capital ratio | 12.8064% | 6,114 |
| Memoranda: | ||
| Average total assets | $2,257,414,000 | 317 |
| Average earning assets | $2,079,528,670 | 308 |
| Average equity | $207,444,670 | 344 |
| Average total loans | $1,361,958,670 | 328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 5,003 |
| Cost of funding earning assets | 0.6512% | 6,377 |
| Net interest margin | 3.9365% | 2,974 |
| Noninterest income to average assets | 0.8385% | 1,890 |
| Noninterest expense to average assets | 2.5983% | 5,230 |
| Loan and lease loss provision to assets | 0.1441% | 4,204 |
| Net operating income to assets | 1.1207% | 1,763 |
| Return on assets (ROA) | 1.1210% | 1,811 |
| Pretax return on assets | 1.7207% | 949 |
| Return on Equity (ROE) | 12.4293% | 1,344 |
| Retained earnings to average equity (ytd only) | 2.1702% | 4,840 |
| Net charge-offs to loans | 0.3424% | 2,693 |
| Credit loss provision to net charge-offs | 70.0086% | 3,353 |
| Earnings coverage of net charge-offs (x) | 9.0553% | 1,767 |
| Efficiency ratio | 58.2240% | 6,241 |
| Assets per employee ($millions) | 4.0578% | 3,724 |
| Cash dividends to net income (ytd only)* | 82.5397% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,282 |
| Loan loss allowance to noncurrent loans | 274.9624% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,285 |
| Noncurrent loans to loans | 0.5403% | 5,945 |
| Net loans and leases to total assets | 58.2924% | 4,596 |
| Net loans and leases to deposits | 66.7074% | 4,877 |
| Net loans and leases to core deposits | 69.9498% | 5,049 |
| Total domestic deposits to total assets | 87.3851% | 2,718 |
| Equity capital to assets | 8.9015% | 5,342 |
| Core capital (leverage) ratio | 7.6148% | 6,639 |
| Tier 1 risk-based capital ratio | 11.2886% | 6,268 |
| Total risk-based capital ratio | 12.5401% | 6,246 |
| Memoranda: | ||
| Average total assets | $2,247,899,000 | 322 |
| Average earning assets | $2,069,532,500 | 312 |
| Average equity | $202,746,000 | 349 |
| Average total loans | $1,351,656,500 | 333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 4,962 |
| Cost of funding earning assets | 0.8106% | 6,522 |
| Net interest margin | 4.1018% | 2,553 |
| Noninterest income to average assets | 0.8605% | 2,012 |
| Noninterest expense to average assets | 2.7278% | 4,862 |
| Loan and lease loss provision to assets | 0.3098% | 4,324 |
| Net operating income to assets | 1.0727% | 1,788 |
| Return on assets (ROA) | 1.0593% | 1,935 |
| Pretax return on assets | 1.5529% | 1,240 |
| Return on Equity (ROE) | 11.1114% | 1,552 |
| Retained earnings to average equity (ytd only) | -0.1157% | 5,624 |
| Net charge-offs to loans | 0.5356% | 3,471 |
| Credit loss provision to net charge-offs | 96.0500% | 4,837 |
| Earnings coverage of net charge-offs (x) | 5.8354% | 2,521 |
| Efficiency ratio | 59.1686% | 6,165 |
| Assets per employee ($millions) | 3.8860% | 4,038 |
| Cash dividends to net income (ytd only)* | 101.0410% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 3,916 |
| Loan loss allowance to noncurrent loans | 269.9288% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 6,261 |
| Noncurrent loans to loans | 0.5620% | 5,927 |
| Net loans and leases to total assets | 60.1962% | 4,649 |
| Net loans and leases to deposits | 69.7248% | 4,845 |
| Net loans and leases to core deposits | 72.7881% | 5,128 |
| Total domestic deposits to total assets | 86.3339% | 3,177 |
| Equity capital to assets | 9.1415% | 4,930 |
| Core capital (leverage) ratio | 7.2199% | 6,899 |
| Tier 1 risk-based capital ratio | 10.7414% | 6,537 |
| Total risk-based capital ratio | 11.9932% | 6,505 |
| Memoranda: | ||
| Average total assets | $2,158,220,600 | 331 |
| Average earning assets | $1,972,945,800 | 322 |
| Average equity | $205,753,400 | 343 |
| Average total loans | $1,299,940,000 | 355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 5,103 |
| Cost of funding earning assets | 0.8299% | 6,655 |
| Net interest margin | 4.1053% | 2,600 |
| Noninterest income to average assets | 0.8448% | 2,018 |
| Noninterest expense to average assets | 2.6715% | 4,998 |
| Loan and lease loss provision to assets | 0.2924% | 4,238 |
| Net operating income to assets | 1.1120% | 1,848 |
| Return on assets (ROA) | 1.0956% | 2,009 |
| Pretax return on assets | 1.6046% | 1,337 |
| Return on Equity (ROE) | 11.3720% | 1,683 |
| Retained earnings to average equity (ytd only) | 0.4733% | 5,610 |
| Net charge-offs to loans | 0.5919% | 2,966 |
| Credit loss provision to net charge-offs | 82.3478% | 5,058 |
| Earnings coverage of net charge-offs (x) | 5.4094% | 2,752 |
| Efficiency ratio | 58.1704% | 6,246 |
| Assets per employee ($millions) | 3.9345% | 3,965 |
| Cash dividends to net income (ytd only)* | 95.8376% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,022 |
| Loan loss allowance to noncurrent loans | 267.9158% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 6,462 |
| Noncurrent loans to loans | 0.5553% | 6,090 |
| Net loans and leases to total assets | 58.2625% | 5,222 |
| Net loans and leases to deposits | 66.5098% | 5,605 |
| Net loans and leases to core deposits | 69.4907% | 5,801 |
| Total domestic deposits to total assets | 87.5999% | 2,210 |
| Equity capital to assets | 9.3757% | 5,018 |
| Core capital (leverage) ratio | 7.7353% | 6,637 |
| Tier 1 risk-based capital ratio | 11.3498% | 6,053 |
| Total risk-based capital ratio | 12.6014% | 6,046 |
| Memoranda: | ||
| Average total assets | $2,145,970,750 | 328 |
| Average earning assets | $1,959,095,750 | 321 |
| Average equity | $206,748,250 | 339 |
| Average total loans | $1,287,643,000 | 351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 4,965 |
| Cost of funding earning assets | 0.8529% | 6,747 |
| Net interest margin | 4.1429% | 2,363 |
| Noninterest income to average assets | 0.8213% | 2,010 |
| Noninterest expense to average assets | 2.6960% | 4,926 |
| Loan and lease loss provision to assets | 0.2387% | 4,527 |
| Net operating income to assets | 1.1026% | 1,845 |
| Return on assets (ROA) | 1.0740% | 2,011 |
| Pretax return on assets | 1.6276% | 1,219 |
| Return on Equity (ROE) | 11.0432% | 1,741 |
| Retained earnings to average equity (ytd only) | -0.1450% | 5,763 |
| Net charge-offs to loans | 0.2258% | 4,244 |
| Credit loss provision to net charge-offs | 175.3301% | 2,233 |
| Earnings coverage of net charge-offs (x) | 14.0250% | 1,552 |
| Efficiency ratio | 58.5372% | 6,298 |
| Assets per employee ($millions) | 3.8005% | 4,222 |
| Cash dividends to net income (ytd only)* | 101.3127% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 3,116 |
| Loan loss allowance to noncurrent loans | 192.0370% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 6,024 |
| Noncurrent loans to loans | 0.8799% | 5,511 |
| Net loans and leases to total assets | 59.4487% | 5,167 |
| Net loans and leases to deposits | 69.1205% | 5,402 |
| Net loans and leases to core deposits | 71.7089% | 5,702 |
| Total domestic deposits to total assets | 86.0073% | 3,081 |
| Equity capital to assets | 9.7776% | 4,302 |
| Core capital (leverage) ratio | 7.6598% | 6,662 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,691 |
| Total risk-based capital ratio | 12.8313% | 5,655 |
| Memoranda: | ||
| Average total assets | $2,113,730,000 | 330 |
| Average earning assets | $1,930,780,330 | 325 |
| Average equity | $205,574,670 | 338 |
| Average total loans | $1,274,730,330 | 358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,088 |
| Cost of funding earning assets | 0.8624% | 6,894 |
| Net interest margin | 4.1218% | 2,346 |
| Noninterest income to average assets | 0.7925% | 2,060 |
| Noninterest expense to average assets | 2.6915% | 4,945 |
| Loan and lease loss provision to assets | 0.0795% | 5,848 |
| Net operating income to assets | 1.1784% | 1,598 |
| Return on assets (ROA) | 1.1131% | 1,874 |
| Pretax return on assets | 1.6868% | 1,085 |
| Return on Equity (ROE) | 11.4758% | 1,649 |
| Retained earnings to average equity (ytd only) | 0.2962% | 5,715 |
| Net charge-offs to loans | 0.1810% | 3,836 |
| Credit loss provision to net charge-offs | 72.9494% | 4,035 |
| Earnings coverage of net charge-offs (x) | 17.1117% | 1,302 |
| Efficiency ratio | 59.0657% | 6,328 |
| Assets per employee ($millions) | 3.7870% | 4,344 |
| Cash dividends to net income (ytd only)* | 97.4192% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,353 |
| Loan loss allowance to noncurrent loans | 307.8511% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,531 |
| Noncurrent loans to loans | 0.5273% | 6,234 |
| Net loans and leases to total assets | 57.9999% | 5,436 |
| Net loans and leases to deposits | 67.0430% | 5,706 |
| Net loans and leases to core deposits | 69.3692% | 5,965 |
| Total domestic deposits to total assets | 86.5114% | 2,889 |
| Equity capital to assets | 9.5236% | 4,499 |
| Core capital (leverage) ratio | 7.7171% | 6,605 |
| Tier 1 risk-based capital ratio | 11.4857% | 5,686 |
| Total risk-based capital ratio | 12.7387% | 5,672 |
| Memoranda: | ||
| Average total assets | $2,102,651,000 | 340 |
| Average earning assets | $1,920,224,500 | 331 |
| Average equity | $203,943,000 | 344 |
| Average total loans | $1,266,304,000 | 375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 5,734 |
| Cost of funding earning assets | 1.1193% | 6,919 |
| Net interest margin | 4.0621% | 2,599 |
| Noninterest income to average assets | 0.9408% | 1,785 |
| Noninterest expense to average assets | 2.9711% | 4,259 |
| Loan and lease loss provision to assets | 0.3810% | 4,503 |
| Net operating income to assets | 0.8774% | 2,254 |
| Return on assets (ROA) | 0.8321% | 2,492 |
| Pretax return on assets | 1.2013% | 1,949 |
| Return on Equity (ROE) | 8.7801% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.1699% | 1,288 |
| Net charge-offs to loans | 0.4736% | 3,885 |
| Credit loss provision to net charge-offs | 134.8862% | 3,679 |
| Earnings coverage of net charge-offs (x) | 5.8338% | 2,489 |
| Efficiency ratio | 64.0219% | 5,774 |
| Assets per employee ($millions) | 3.6488% | 4,654 |
| Cash dividends to net income (ytd only)* | 29.7283% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,122 |
| Loan loss allowance to noncurrent loans | 238.9241% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 6,185 |
| Noncurrent loans to loans | 0.6866% | 5,864 |
| Net loans and leases to total assets | 60.5414% | 5,254 |
| Net loans and leases to deposits | 71.0868% | 5,456 |
| Net loans and leases to core deposits | 78.9117% | 6,189 |
| Total domestic deposits to total assets | 85.1655% | 3,474 |
| Equity capital to assets | 9.8834% | 3,907 |
| Core capital (leverage) ratio | 7.5260% | 6,763 |
| Tier 1 risk-based capital ratio | 11.3312% | 5,585 |
| Total risk-based capital ratio | 12.5846% | 5,526 |
| Memoranda: | ||
| Average total assets | $2,021,371,600 | 352 |
| Average earning assets | $1,830,360,000 | 348 |
| Average equity | $191,558,800 | 363 |
| Average total loans | $1,205,564,600 | 405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 6,091 |
| Cost of funding earning assets | 1.1538% | 7,034 |
| Net interest margin | 4.0007% | 2,822 |
| Noninterest income to average assets | 0.9313% | 1,852 |
| Noninterest expense to average assets | 3.0038% | 4,027 |
| Loan and lease loss provision to assets | 0.4380% | 3,716 |
| Net operating income to assets | 0.7945% | 2,841 |
| Return on assets (ROA) | 0.7343% | 3,143 |
| Pretax return on assets | 1.0219% | 2,829 |
| Return on Equity (ROE) | 7.8341% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.0676% | 1,917 |
| Net charge-offs to loans | 0.5129% | 3,162 |
| Credit loss provision to net charge-offs | 144.3790% | 3,377 |
| Earnings coverage of net charge-offs (x) | 5.0875% | 2,928 |
| Efficiency ratio | 65.7346% | 5,418 |
| Assets per employee ($millions) | 3.6822% | 4,471 |
| Cash dividends to net income (ytd only)* | 22.5489% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,815 |
| Loan loss allowance to noncurrent loans | 357.3246% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,546 |
| Noncurrent loans to loans | 0.4614% | 6,395 |
| Net loans and leases to total assets | 58.1441% | 5,869 |
| Net loans and leases to deposits | 68.6836% | 6,068 |
| Net loans and leases to core deposits | 76.7361% | 6,573 |
| Total domestic deposits to total assets | 84.6549% | 3,403 |
| Equity capital to assets | 9.4335% | 4,833 |
| Core capital (leverage) ratio | 7.4885% | 6,991 |
| Tier 1 risk-based capital ratio | 10.2121% | 6,771 |
| Total risk-based capital ratio | 11.4644% | 6,706 |
| Memoranda: | ||
| Average total assets | $2,013,146,500 | 366 |
| Average earning assets | $1,819,621,500 | 360 |
| Average equity | $188,690,750 | 377 |
| Average total loans | $1,190,849,000 | 425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 6,017 |
| Cost of funding earning assets | 1.1834% | 7,154 |
| Net interest margin | 4.0338% | 2,566 |
| Noninterest income to average assets | 0.9426% | 1,787 |
| Noninterest expense to average assets | 3.1060% | 3,679 |
| Loan and lease loss provision to assets | 0.4048% | 3,501 |
| Net operating income to assets | 0.7876% | 2,901 |
| Return on assets (ROA) | 0.7384% | 3,204 |
| Pretax return on assets | 1.0117% | 2,962 |
| Return on Equity (ROE) | 7.8961% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,246 |
| Net charge-offs to loans | 0.3647% | 3,359 |
| Credit loss provision to net charge-offs | 187.5998% | 2,433 |
| Earnings coverage of net charge-offs (x) | 6.8779% | 2,534 |
| Efficiency ratio | 67.3386% | 5,287 |
| Assets per employee ($millions) | 3.4650% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,387 |
| Loan loss allowance to noncurrent loans | 217.0580% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 5,684 |
| Noncurrent loans to loans | 0.7776% | 5,677 |
| Net loans and leases to total assets | 60.3677% | 5,617 |
| Net loans and leases to deposits | 70.3370% | 5,951 |
| Net loans and leases to core deposits | 78.0743% | 6,543 |
| Total domestic deposits to total assets | 85.8264% | 2,875 |
| Equity capital to assets | 9.9560% | 4,007 |
| Core capital (leverage) ratio | 7.4374% | 7,091 |
| Tier 1 risk-based capital ratio | 10.1722% | 6,743 |
| Total risk-based capital ratio | 11.4247% | 6,674 |
| Memoranda: | ||
| Average total assets | $1,973,539,670 | 381 |
| Average earning assets | $1,784,457,670 | 376 |
| Average equity | $184,547,670 | 389 |
| Average total loans | $1,167,667,330 | 445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 6,291 |
| Cost of funding earning assets | 1.1980% | 7,300 |
| Net interest margin | 4.0031% | 2,631 |
| Noninterest income to average assets | 0.9044% | 1,831 |
| Noninterest expense to average assets | 3.0537% | 3,543 |
| Loan and lease loss provision to assets | 0.3878% | 3,002 |
| Net operating income to assets | 0.7897% | 3,171 |
| Return on assets (ROA) | 0.7771% | 3,397 |
| Pretax return on assets | 1.0727% | 3,089 |
| Return on Equity (ROE) | 8.5910% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.5910% | 1,602 |
| Net charge-offs to loans | 0.3499% | 2,684 |
| Credit loss provision to net charge-offs | 190.9820% | 2,302 |
| Earnings coverage of net charge-offs (x) | 7.2786% | 2,368 |
| Efficiency ratio | 67.0393% | 5,136 |
| Assets per employee ($millions) | 3.4517% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 2,168 |
| Loan loss allowance to noncurrent loans | 215.3720% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,510 |
| Noncurrent loans to loans | 0.7869% | 5,474 |
| Net loans and leases to total assets | 56.3741% | 6,186 |
| Net loans and leases to deposits | 64.7674% | 6,484 |
| Net loans and leases to core deposits | 72.0362% | 6,912 |
| Total domestic deposits to total assets | 87.0408% | 2,197 |
| Equity capital to assets | 8.8924% | 5,491 |
| Core capital (leverage) ratio | 6.5612% | 7,852 |
| Tier 1 risk-based capital ratio | 9.2822% | 7,603 |
| Total risk-based capital ratio | 10.5350% | 7,573 |
| Memoranda: | ||
| Average total assets | $1,965,853,000 | 380 |
| Average earning assets | $1,781,319,000 | 376 |
| Average equity | $177,813,500 | 400 |
| Average total loans | $1,140,863,000 | 462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 6,689 |
| Cost of funding earning assets | 1.8391% | 6,904 |
| Net interest margin | 3.8880% | 3,625 |
| Noninterest income to average assets | 0.9369% | 1,826 |
| Noninterest expense to average assets | 2.8708% | 4,536 |
| Loan and lease loss provision to assets | 0.3452% | 3,636 |
| Net operating income to assets | 1.0307% | 2,428 |
| Return on assets (ROA) | -1.2599% | 7,312 |
| Pretax return on assets | -2.3060% | 7,536 |
| Return on Equity (ROE) | -13.1493% | 7,504 |
| Retained earnings to average equity (ytd only) | -19.3082% | 7,661 |
| Net charge-offs to loans | 0.3226% | 3,241 |
| Credit loss provision to net charge-offs | 197.1411% | 2,482 |
| Earnings coverage of net charge-offs (x) | 9.2423% | 2,723 |
| Efficiency ratio | 63.5919% | 5,649 |
| Assets per employee ($millions) | 3.2356% | 5,381 |
| Cash dividends to net income (ytd only)* | -46.8384% | 8,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,992 |
| Loan loss allowance to noncurrent loans | 228.7579% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 5,757 |
| Noncurrent loans to loans | 0.7306% | 5,203 |
| Net loans and leases to total assets | 57.7809% | 6,232 |
| Net loans and leases to deposits | 66.4709% | 6,605 |
| Net loans and leases to core deposits | 73.7905% | 6,979 |
| Total domestic deposits to total assets | 86.9266% | 1,971 |
| Equity capital to assets | 9.2069% | 5,065 |
| Core capital (leverage) ratio | 6.4615% | 7,947 |
| Tier 1 risk-based capital ratio | 9.5199% | 7,284 |
| Total risk-based capital ratio | 10.7728% | 7,204 |
| Memoranda: | ||
| Average total assets | $1,897,918,800 | 377 |
| Average earning assets | $1,733,930,200 | 376 |
| Average equity | $181,849,800 | 402 |
| Average total loans | $1,030,003,800 | 479 |