Home > German American Bank > Performance and Condition Ratios
German American Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 2,916 |
| Cost of funding earning assets | 1.4881% | 3,229 |
| Net interest margin | 3.6174% | 2,048 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 2.3740% | 2,651 |
| Loan and lease loss provision to assets | 0.7300% | 121 |
| Net operating income to assets | 0.7264% | 3,038 |
| Return on assets (ROA) | 0.7264% | 3,043 |
| Pretax return on assets | 0.8745% | 3,027 |
| Return on Equity (ROE) | 6.3900% | 3,263 |
| Retained earnings to average equity (ytd only) | -4.1627% | 4,037 |
| Net charge-offs to loans | 0.0343% | 1,349 |
| Credit loss provision to net charge-offs | 3,148.1481% | 134 |
| Earnings coverage of net charge-offs (x) | 68.9733% | 853 |
| Efficiency ratio | 57.1110% | 3,291 |
| Assets per employee ($millions) | 8.1977% | 1,457 |
| Cash dividends to net income (ytd only)* | 165.1800% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,571 |
| Loan loss allowance to noncurrent loans | 404.6845% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,413 |
| Noncurrent loans to loans | 0.3285% | 2,324 |
| Net loans and leases to total assets | 66.3200% | 2,253 |
| Net loans and leases to deposits | 77.5528% | 2,267 |
| Net loans and leases to core deposits | 83.5864% | 2,494 |
| Total domestic deposits to total assets | 85.5200% | 2,469 |
| Equity capital to assets | 12.2838% | 1,132 |
| Core capital (leverage) ratio | 11.1637% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4690% | 2,054 |
| Memoranda: | ||
| Average total assets | $8,334,067,500 | 190 |
| Average earning assets | $7,536,423,000 | 187 |
| Average equity | $947,940,500 | 184 |
| Average total loans | $5,672,992,500 | 197 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 2,807 |
| Cost of funding earning assets | 1.6821% | 2,990 |
| Net interest margin | 3.4849% | 2,115 |
| Noninterest income to average assets | 1.5700% | 338 |
| Noninterest expense to average assets | 2.3022% | 2,863 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.9149% | 454 |
| Return on assets (ROA) | 1.4659% | 959 |
| Pretax return on assets | 1.8291% | 785 |
| Return on Equity (ROE) | 13.6900% | 1,197 |
| Retained earnings to average equity (ytd only) | 3.8976% | 2,676 |
| Net charge-offs to loans | 0.0520% | 1,619 |
| Credit loss provision to net charge-offs | 131.8916% | 1,544 |
| Earnings coverage of net charge-offs (x) | 71.7471% | 1,003 |
| Efficiency ratio | 47.9064% | 4,095 |
| Assets per employee ($millions) | 8.2748% | 1,378 |
| Cash dividends to net income (ytd only)* | 71.5229% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 2,813 |
| Loan loss allowance to noncurrent loans | 399.4965% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 2,551 |
| Noncurrent loans to loans | 0.2691% | 2,459 |
| Net loans and leases to total assets | 65.0100% | 2,467 |
| Net loans and leases to deposits | 75.3442% | 2,526 |
| Net loans and leases to core deposits | 80.4588% | 2,745 |
| Total domestic deposits to total assets | 86.2900% | 2,121 |
| Equity capital to assets | 10.7323% | 1,707 |
| Core capital (leverage) ratio | 11.1224% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0234% | 1,516 |
| Memoranda: | ||
| Average total assets | $6,199,400,800 | 245 |
| Average earning assets | $5,630,947,400 | 236 |
| Average equity | $663,996,200 | 231 |
| Average total loans | $4,042,910,400 | 250 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 2,869 |
| Cost of funding earning assets | 1.6814% | 2,991 |
| Net interest margin | 3.4161% | 2,199 |
| Noninterest income to average assets | 1.8000% | 278 |
| Noninterest expense to average assets | 2.3331% | 2,698 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 2.0201% | 417 |
| Return on assets (ROA) | 1.4194% | 1,063 |
| Pretax return on assets | 1.7706% | 910 |
| Return on Equity (ROE) | 13.2600% | 1,306 |
| Retained earnings to average equity (ytd only) | 4.1854% | 2,776 |
| Net charge-offs to loans | 0.0594% | 1,316 |
| Credit loss provision to net charge-offs | 120.0447% | 1,489 |
| Earnings coverage of net charge-offs (x) | 66.4260% | 1,033 |
| Efficiency ratio | 46.9019% | 4,128 |
| Assets per employee ($millions) | 8.0112% | 1,506 |
| Cash dividends to net income (ytd only)* | 68.4327% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 2,839 |
| Loan loss allowance to noncurrent loans | 454.8397% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,698 |
| Noncurrent loans to loans | 0.2383% | 2,580 |
| Net loans and leases to total assets | 64.4300% | 2,482 |
| Net loans and leases to deposits | 75.1573% | 2,596 |
| Net loans and leases to core deposits | 79.5710% | 2,838 |
| Total domestic deposits to total assets | 85.7300% | 2,033 |
| Equity capital to assets | 11.4446% | 1,505 |
| Core capital (leverage) ratio | 11.2858% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2761% | 1,468 |
| Memoranda: | ||
| Average total assets | $6,177,029,750 | 241 |
| Average earning assets | $5,608,230,500 | 233 |
| Average equity | $661,260,000 | 231 |
| Average total loans | $4,020,352,750 | 247 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 2,929 |
| Cost of funding earning assets | 1.6602% | 2,954 |
| Net interest margin | 3.3487% | 2,300 |
| Noninterest income to average assets | 2.2600% | 223 |
| Noninterest expense to average assets | 2.3874% | 2,554 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 2.2913% | 297 |
| Return on assets (ROA) | 1.3849% | 1,119 |
| Pretax return on assets | 1.7306% | 936 |
| Return on Equity (ROE) | 13.2500% | 1,310 |
| Retained earnings to average equity (ytd only) | -0.7440% | 4,026 |
| Net charge-offs to loans | 0.0671% | 1,099 |
| Credit loss provision to net charge-offs | 113.4673% | 1,388 |
| Earnings coverage of net charge-offs (x) | 66.6860% | 969 |
| Efficiency ratio | 44.3600% | 4,235 |
| Assets per employee ($millions) | 7.9002% | 1,511 |
| Cash dividends to net income (ytd only)* | 105.6164% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 2,875 |
| Loan loss allowance to noncurrent loans | 602.9085% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,867 |
| Noncurrent loans to loans | 0.1799% | 2,782 |
| Net loans and leases to total assets | 64.5600% | 2,496 |
| Net loans and leases to deposits | 74.1159% | 2,687 |
| Net loans and leases to core deposits | 78.0172% | 2,918 |
| Total domestic deposits to total assets | 87.1000% | 1,613 |
| Equity capital to assets | 10.4561% | 1,832 |
| Core capital (leverage) ratio | 10.7758% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5158% | 1,699 |
| Memoranda: | ||
| Average total assets | $6,153,122,000 | 243 |
| Average earning assets | $5,581,554,333 | 233 |
| Average equity | $643,299,333 | 230 |
| Average total loans | $4,003,696,333 | 246 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 2,953 |
| Cost of funding earning assets | 1.5836% | 3,016 |
| Net interest margin | 3.3310% | 2,272 |
| Noninterest income to average assets | 1.0300% | 531 |
| Noninterest expense to average assets | 2.3672% | 2,602 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.3423% | 1,163 |
| Return on assets (ROA) | 1.3442% | 1,167 |
| Pretax return on assets | 1.6283% | 1,050 |
| Return on Equity (ROE) | 12.8600% | 1,372 |
| Retained earnings to average equity (ytd only) | -2.7599% | 3,995 |
| Net charge-offs to loans | 0.0916% | 767 |
| Credit loss provision to net charge-offs | 98.7925% | 1,174 |
| Earnings coverage of net charge-offs (x) | 28.3183% | 1,190 |
| Efficiency ratio | 57.4889% | 3,475 |
| Assets per employee ($millions) | 7.3119% | 1,876 |
| Cash dividends to net income (ytd only)* | 121.4654% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 2,832 |
| Loan loss allowance to noncurrent loans | 438.2851% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,557 |
| Noncurrent loans to loans | 0.2507% | 2,421 |
| Net loans and leases to total assets | 64.5100% | 2,416 |
| Net loans and leases to deposits | 74.2429% | 2,581 |
| Net loans and leases to core deposits | 78.0374% | 2,850 |
| Total domestic deposits to total assets | 86.8900% | 1,815 |
| Equity capital to assets | 10.2888% | 1,843 |
| Core capital (leverage) ratio | 11.0150% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5259% | 1,694 |
| Memoranda: | ||
| Average total assets | $6,124,910,000 | 248 |
| Average earning assets | $5,553,504,500 | 238 |
| Average equity | $640,311,000 | 233 |
| Average total loans | $3,979,271,500 | 252 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,703 |
| Cost of funding earning assets | 1.1180% | 3,018 |
| Net interest margin | 3.5733% | 2,019 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 2.3665% | 2,672 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4787% | 1,056 |
| Return on assets (ROA) | 1.4792% | 1,029 |
| Pretax return on assets | 1.8082% | 879 |
| Return on Equity (ROE) | 15.0900% | 1,273 |
| Retained earnings to average equity (ytd only) | 6.6785% | 1,997 |
| Net charge-offs to loans | 0.0766% | 1,101 |
| Credit loss provision to net charge-offs | 86.3529% | 1,974 |
| Earnings coverage of net charge-offs (x) | 37.9790% | 1,474 |
| Efficiency ratio | 55.0183% | 3,599 |
| Assets per employee ($millions) | 7.3322% | 1,850 |
| Cash dividends to net income (ytd only)* | 55.7457% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 2,834 |
| Loan loss allowance to noncurrent loans | 476.1723% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,523 |
| Noncurrent loans to loans | 0.2311% | 2,390 |
| Net loans and leases to total assets | 64.0000% | 2,461 |
| Net loans and leases to deposits | 73.8966% | 2,625 |
| Net loans and leases to core deposits | 77.7434% | 2,857 |
| Total domestic deposits to total assets | 86.6100% | 1,816 |
| Equity capital to assets | 10.6186% | 1,666 |
| Core capital (leverage) ratio | 11.0349% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7603% | 1,606 |
| Memoranda: | ||
| Average total assets | $6,063,438,600 | 242 |
| Average earning assets | $5,468,129,200 | 236 |
| Average equity | $594,343,000 | 235 |
| Average total loans | $3,854,721,600 | 247 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 2,585 |
| Cost of funding earning assets | 1.0051% | 3,021 |
| Net interest margin | 3.6364% | 1,912 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 2.3848% | 2,563 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4894% | 1,147 |
| Return on assets (ROA) | 1.4901% | 1,123 |
| Pretax return on assets | 1.8211% | 979 |
| Return on Equity (ROE) | 15.5300% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.7822% | 1,464 |
| Net charge-offs to loans | 0.0722% | 968 |
| Credit loss provision to net charge-offs | 123.0695% | 1,461 |
| Earnings coverage of net charge-offs (x) | 41.0473% | 1,430 |
| Efficiency ratio | 54.8239% | 3,512 |
| Assets per employee ($millions) | 7.0759% | 1,903 |
| Cash dividends to net income (ytd only)* | 37.0151% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,640 |
| Loan loss allowance to noncurrent loans | 360.7466% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,228 |
| Noncurrent loans to loans | 0.3178% | 2,092 |
| Net loans and leases to total assets | 64.2400% | 2,415 |
| Net loans and leases to deposits | 74.2535% | 2,543 |
| Net loans and leases to core deposits | 77.8061% | 2,751 |
| Total domestic deposits to total assets | 86.5100% | 2,036 |
| Equity capital to assets | 9.0930% | 2,368 |
| Core capital (leverage) ratio | 11.2555% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8329% | 1,616 |
| Memoranda: | ||
| Average total assets | $6,043,192,500 | 245 |
| Average earning assets | $5,444,597,750 | 240 |
| Average equity | $579,815,750 | 238 |
| Average total loans | $3,824,325,000 | 250 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 2,562 |
| Cost of funding earning assets | 0.8880% | 2,967 |
| Net interest margin | 3.6465% | 1,922 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.4005% | 2,482 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4889% | 1,124 |
| Return on assets (ROA) | 1.4900% | 1,117 |
| Pretax return on assets | 1.8200% | 975 |
| Return on Equity (ROE) | 15.2700% | 1,418 |
| Retained earnings to average equity (ytd only) | 6.8126% | 2,350 |
| Net charge-offs to loans | 0.0817% | 776 |
| Credit loss provision to net charge-offs | 106.3144% | 1,398 |
| Earnings coverage of net charge-offs (x) | 36.5696% | 1,453 |
| Efficiency ratio | 54.9962% | 3,533 |
| Assets per employee ($millions) | 6.8819% | 2,016 |
| Cash dividends to net income (ytd only)* | 55.3759% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,691 |
| Loan loss allowance to noncurrent loans | 356.3229% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,165 |
| Noncurrent loans to loans | 0.3240% | 1,975 |
| Net loans and leases to total assets | 62.7200% | 2,507 |
| Net loans and leases to deposits | 72.3829% | 2,621 |
| Net loans and leases to core deposits | 74.6168% | 2,849 |
| Total domestic deposits to total assets | 86.6600% | 2,039 |
| Equity capital to assets | 9.9496% | 1,887 |
| Core capital (leverage) ratio | 10.8688% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4991% | 1,726 |
| Memoranda: | ||
| Average total assets | $6,059,835,333 | 239 |
| Average earning assets | $5,465,752,667 | 237 |
| Average equity | $591,431,667 | 232 |
| Average total loans | $3,800,888,333 | 244 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,514 |
| Cost of funding earning assets | 0.7501% | 2,894 |
| Net interest margin | 3.6659% | 1,985 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.4429% | 2,387 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4653% | 1,249 |
| Return on assets (ROA) | 1.4654% | 1,226 |
| Pretax return on assets | 1.7791% | 1,110 |
| Return on Equity (ROE) | 15.1600% | 1,526 |
| Retained earnings to average equity (ytd only) | 4.9326% | 3,038 |
| Net charge-offs to loans | 0.1007% | 594 |
| Credit loss provision to net charge-offs | 115.4250% | 1,047 |
| Earnings coverage of net charge-offs (x) | 29.4753% | 1,310 |
| Efficiency ratio | 55.6806% | 3,438 |
| Assets per employee ($millions) | 6.9454% | 2,017 |
| Cash dividends to net income (ytd only)* | 67.4673% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,696 |
| Loan loss allowance to noncurrent loans | 303.6730% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 1,903 |
| Noncurrent loans to loans | 0.3866% | 1,771 |
| Net loans and leases to total assets | 62.3100% | 2,438 |
| Net loans and leases to deposits | 71.6136% | 2,499 |
| Net loans and leases to core deposits | 73.3237% | 2,733 |
| Total domestic deposits to total assets | 87.0100% | 2,257 |
| Equity capital to assets | 10.1323% | 1,751 |
| Core capital (leverage) ratio | 10.5462% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3726% | 1,841 |
| Memoranda: | ||
| Average total assets | $6,068,585,500 | 246 |
| Average earning assets | $5,475,262,000 | 242 |
| Average equity | $586,552,500 | 237 |
| Average total loans | $3,784,208,500 | 250 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 2,121 |
| Cost of funding earning assets | 0.2549% | 3,282 |
| Net interest margin | 3.5984% | 1,648 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.4150% | 2,380 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3955% | 1,144 |
| Return on assets (ROA) | 1.4032% | 1,086 |
| Pretax return on assets | 1.7128% | 893 |
| Return on Equity (ROE) | 14.8200% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.8848% | 1,511 |
| Net charge-offs to loans | 0.0650% | 996 |
| Credit loss provision to net charge-offs | 274.1796% | 955 |
| Earnings coverage of net charge-offs (x) | 48.5527% | 1,384 |
| Efficiency ratio | 55.8116% | 3,598 |
| Assets per employee ($millions) | 7.2017% | 1,822 |
| Cash dividends to net income (ytd only)* | 40.0444% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,553 |
| Loan loss allowance to noncurrent loans | 308.5435% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 1,979 |
| Noncurrent loans to loans | 0.3774% | 1,790 |
| Net loans and leases to total assets | 60.9600% | 2,556 |
| Net loans and leases to deposits | 69.4608% | 2,627 |
| Net loans and leases to core deposits | 70.3085% | 2,851 |
| Total domestic deposits to total assets | 87.7700% | 2,155 |
| Equity capital to assets | 9.2109% | 2,221 |
| Core capital (leverage) ratio | 10.1206% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0727% | 1,950 |
| Memoranda: | ||
| Average total assets | $6,228,784,000 | 230 |
| Average earning assets | $5,678,425,000 | 230 |
| Average equity | $589,807,600 | 240 |
| Average total loans | $3,564,996,800 | 252 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 2,076 |
| Cost of funding earning assets | 0.1667% | 3,661 |
| Net interest margin | 3.5213% | 1,607 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.4565% | 2,139 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3129% | 1,309 |
| Return on assets (ROA) | 1.3212% | 1,259 |
| Pretax return on assets | 1.6068% | 1,104 |
| Return on Equity (ROE) | 13.8600% | 1,468 |
| Retained earnings to average equity (ytd only) | 8.2637% | 1,904 |
| Net charge-offs to loans | 0.0488% | 996 |
| Credit loss provision to net charge-offs | 455.2529% | 640 |
| Earnings coverage of net charge-offs (x) | 62.7837% | 1,148 |
| Efficiency ratio | 57.3301% | 3,466 |
| Assets per employee ($millions) | 7.3375% | 1,719 |
| Cash dividends to net income (ytd only)* | 40.3766% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,474 |
| Loan loss allowance to noncurrent loans | 324.3759% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 2,136 |
| Noncurrent loans to loans | 0.3731% | 1,894 |
| Net loans and leases to total assets | 58.3600% | 2,659 |
| Net loans and leases to deposits | 64.9512% | 2,795 |
| Net loans and leases to core deposits | 65.6794% | 2,971 |
| Total domestic deposits to total assets | 89.8500% | 1,724 |
| Equity capital to assets | 8.0852% | 2,850 |
| Core capital (leverage) ratio | 9.7548% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8819% | 2,098 |
| Memoranda: | ||
| Average total assets | $6,248,412,000 | 229 |
| Average earning assets | $5,711,417,750 | 230 |
| Average equity | $595,636,250 | 238 |
| Average total loans | $3,507,862,500 | 251 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 2,017 |
| Cost of funding earning assets | 0.1162% | 4,010 |
| Net interest margin | 3.4243% | 1,530 |
| Noninterest income to average assets | 0.9888% | 687 |
| Noninterest expense to average assets | 2.6319% | 1,552 |
| Loan and lease loss provision to assets | 0.1761% | 500 |
| Net operating income to assets | 1.1101% | 1,737 |
| Return on assets (ROA) | 1.1222% | 1,671 |
| Pretax return on assets | 1.3377% | 1,621 |
| Return on Equity (ROE) | 11.2051% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.0087% | 1,612 |
| Net charge-offs to loans | 0.0350% | 1,041 |
| Credit loss provision to net charge-offs | 912.1061% | 430 |
| Earnings coverage of net charge-offs (x) | 77.6700% | 947 |
| Efficiency ratio | 62.1773% | 3,024 |
| Assets per employee ($millions) | 7.6320% | 1,528 |
| Cash dividends to net income (ytd only)* | 28.5266% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,525 |
| Loan loss allowance to noncurrent loans | 298.5745% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,152 |
| Noncurrent loans to loans | 0.4122% | 1,881 |
| Net loans and leases to total assets | 55.9654% | 2,762 |
| Net loans and leases to deposits | 62.8686% | 2,820 |
| Net loans and leases to core deposits | 63.5147% | 3,005 |
| Total domestic deposits to total assets | 89.0196% | 2,175 |
| Equity capital to assets | 9.1584% | 2,272 |
| Core capital (leverage) ratio | 9.3263% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8644% | 2,115 |
| Memoranda: | ||
| Average total assets | $6,247,356,000 | 225 |
| Average earning assets | $5,733,162,333 | 229 |
| Average equity | $625,698,333 | 228 |
| Average total loans | $3,446,172,000 | 252 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4698% | 1,896 |
| Cost of funding earning assets | 0.1114% | 3,991 |
| Net interest margin | 3.3584% | 1,418 |
| Noninterest income to average assets | 1.0281% | 648 |
| Noninterest expense to average assets | 3.0517% | 753 |
| Loan and lease loss provision to assets | 0.3386% | 173 |
| Net operating income to assets | 0.6621% | 3,188 |
| Return on assets (ROA) | 0.6837% | 3,104 |
| Pretax return on assets | 0.7664% | 3,209 |
| Return on Equity (ROE) | 6.5325% | 3,186 |
| Retained earnings to average equity (ytd only) | 6.5325% | 2,064 |
| Net charge-offs to loans | 0.0307% | 1,001 |
| Credit loss provision to net charge-offs | 2,031.2500% | 209 |
| Earnings coverage of net charge-offs (x) | 64.8320% | 828 |
| Efficiency ratio | 72.2444% | 1,944 |
| Assets per employee ($millions) | 7.3509% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,705 |
| Loan loss allowance to noncurrent loans | 294.3966% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 2,270 |
| Noncurrent loans to loans | 0.4178% | 1,992 |
| Net loans and leases to total assets | 54.1168% | 2,744 |
| Net loans and leases to deposits | 61.7499% | 2,733 |
| Net loans and leases to core deposits | 62.5156% | 2,930 |
| Total domestic deposits to total assets | 87.6387% | 2,693 |
| Equity capital to assets | 10.0056% | 1,886 |
| Core capital (leverage) ratio | 9.2641% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7129% | 2,337 |
| Memoranda: | ||
| Average total assets | $6,142,692,000 | 234 |
| Average earning assets | $5,678,094,000 | 234 |
| Average equity | $642,882,500 | 230 |
| Average total loans | $3,339,988,000 | 257 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 2,751 |
| Cost of funding earning assets | 0.1402% | 4,065 |
| Net interest margin | 3.3302% | 2,237 |
| Noninterest income to average assets | 1.0760% | 890 |
| Noninterest expense to average assets | 2.3042% | 2,782 |
| Loan and lease loss provision to assets | -0.1223% | 4,586 |
| Net operating income to assets | 1.5955% | 823 |
| Return on assets (ROA) | 1.6297% | 781 |
| Pretax return on assets | 2.0106% | 589 |
| Return on Equity (ROE) | 14.2642% | 1,111 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,400 |
| Net charge-offs to loans | 0.1087% | 810 |
| Credit loss provision to net charge-offs | -194.4943% | 3,503 |
| Earnings coverage of net charge-offs (x) | 29.3683% | 1,619 |
| Efficiency ratio | 54.2814% | 3,903 |
| Assets per employee ($millions) | 7.7294% | 1,479 |
| Cash dividends to net income (ytd only)* | 75.0196% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,744 |
| Loan loss allowance to noncurrent loans | 250.8267% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 2,225 |
| Noncurrent loans to loans | 0.4895% | 1,901 |
| Net loans and leases to total assets | 53.2130% | 2,942 |
| Net loans and leases to deposits | 61.6373% | 2,918 |
| Net loans and leases to core deposits | 62.3301% | 3,131 |
| Total domestic deposits to total assets | 86.3325% | 2,790 |
| Equity capital to assets | 11.0159% | 1,778 |
| Core capital (leverage) ratio | 8.8773% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3614% | 2,505 |
| Memoranda: | ||
| Average total assets | $5,316,529,800 | 259 |
| Average earning assets | $4,908,103,200 | 258 |
| Average equity | $607,423,600 | 238 |
| Average total loans | $3,073,658,200 | 263 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 2,788 |
| Cost of funding earning assets | 0.1460% | 4,145 |
| Net interest margin | 3.3677% | 2,245 |
| Noninterest income to average assets | 1.0926% | 929 |
| Noninterest expense to average assets | 2.3258% | 2,671 |
| Loan and lease loss provision to assets | -0.2160% | 4,765 |
| Net operating income to assets | 1.6679% | 886 |
| Return on assets (ROA) | 1.6982% | 875 |
| Pretax return on assets | 2.1228% | 652 |
| Return on Equity (ROE) | 14.7233% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.8089% | 3,288 |
| Net charge-offs to loans | 0.0242% | 1,557 |
| Credit loss provision to net charge-offs | -1,515.1515% | 3,942 |
| Earnings coverage of net charge-offs (x) | 131.0891% | 735 |
| Efficiency ratio | 54.1556% | 3,790 |
| Assets per employee ($millions) | 7.5278% | 1,546 |
| Cash dividends to net income (ytd only)* | 67.3381% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,737 |
| Loan loss allowance to noncurrent loans | 205.0450% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 2,084 |
| Noncurrent loans to loans | 0.6095% | 1,783 |
| Net loans and leases to total assets | 54.6522% | 2,887 |
| Net loans and leases to deposits | 63.9947% | 2,852 |
| Net loans and leases to core deposits | 64.9259% | 3,051 |
| Total domestic deposits to total assets | 85.4011% | 2,982 |
| Equity capital to assets | 11.2062% | 1,888 |
| Core capital (leverage) ratio | 9.1629% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6901% | 2,475 |
| Memoranda: | ||
| Average total assets | $5,246,647,500 | 262 |
| Average earning assets | $4,832,949,250 | 260 |
| Average equity | $605,164,750 | 239 |
| Average total loans | $3,088,360,500 | 264 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 2,824 |
| Cost of funding earning assets | 0.1544% | 4,169 |
| Net interest margin | 3.3713% | 2,234 |
| Noninterest income to average assets | 1.0691% | 962 |
| Noninterest expense to average assets | 2.3057% | 2,759 |
| Loan and lease loss provision to assets | -0.2513% | 4,811 |
| Net operating income to assets | 1.6842% | 897 |
| Return on assets (ROA) | 1.7236% | 889 |
| Pretax return on assets | 2.1614% | 620 |
| Return on Equity (ROE) | 14.7951% | 1,213 |
| Retained earnings to average equity (ytd only) | -0.1367% | 4,529 |
| Net charge-offs to loans | 0.0234% | 1,481 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,802 |
| Earnings coverage of net charge-offs (x) | 132.2500% | 637 |
| Efficiency ratio | 53.9736% | 3,811 |
| Assets per employee ($millions) | 7.1858% | 1,668 |
| Cash dividends to net income (ytd only)* | 100.9240% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,462 |
| Loan loss allowance to noncurrent loans | 230.0414% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 2,221 |
| Noncurrent loans to loans | 0.5630% | 1,988 |
| Net loans and leases to total assets | 57.0916% | 2,777 |
| Net loans and leases to deposits | 67.2804% | 2,696 |
| Net loans and leases to core deposits | 68.5206% | 2,916 |
| Total domestic deposits to total assets | 84.8563% | 3,158 |
| Equity capital to assets | 11.3379% | 1,735 |
| Core capital (leverage) ratio | 8.8436% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3951% | 2,581 |
| Memoranda: | ||
| Average total assets | $5,173,813,667 | 260 |
| Average earning assets | $4,753,654,667 | 260 |
| Average equity | $602,742,000 | 238 |
| Average total loans | $3,109,607,000 | 260 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 2,748 |
| Cost of funding earning assets | 0.1649% | 4,198 |
| Net interest margin | 3.3989% | 2,114 |
| Noninterest income to average assets | 1.1046% | 974 |
| Noninterest expense to average assets | 2.4207% | 2,432 |
| Loan and lease loss provision to assets | -0.1179% | 4,741 |
| Net operating income to assets | 1.5372% | 1,245 |
| Return on assets (ROA) | 1.5985% | 1,176 |
| Pretax return on assets | 1.9891% | 962 |
| Return on Equity (ROE) | 13.5314% | 1,531 |
| Retained earnings to average equity (ytd only) | -3.0952% | 4,605 |
| Net charge-offs to loans | 0.0333% | 1,147 |
| Credit loss provision to net charge-offs | -576.9231% | 3,214 |
| Earnings coverage of net charge-offs (x) | 87.8538% | 665 |
| Efficiency ratio | 56.0091% | 3,546 |
| Assets per employee ($millions) | 6.8467% | 1,895 |
| Cash dividends to net income (ytd only)* | 122.8743% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,816 |
| Loan loss allowance to noncurrent loans | 214.8185% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 2,177 |
| Noncurrent loans to loans | 0.6695% | 1,906 |
| Net loans and leases to total assets | 59.3169% | 2,633 |
| Net loans and leases to deposits | 69.5232% | 2,558 |
| Net loans and leases to core deposits | 70.9373% | 2,789 |
| Total domestic deposits to total assets | 85.3196% | 2,990 |
| Equity capital to assets | 11.2897% | 1,665 |
| Core capital (leverage) ratio | 9.2779% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6682% | 2,416 |
| Memoranda: | ||
| Average total assets | $5,091,191,500 | 262 |
| Average earning assets | $4,659,494,000 | 257 |
| Average equity | $601,444,500 | 234 |
| Average total loans | $3,120,336,000 | 261 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,441 |
| Cost of funding earning assets | 0.3834% | 3,685 |
| Net interest margin | 3.7098% | 1,764 |
| Noninterest income to average assets | 1.0782% | 920 |
| Noninterest expense to average assets | 2.4894% | 2,884 |
| Loan and lease loss provision to assets | 0.3757% | 869 |
| Net operating income to assets | 1.2954% | 1,261 |
| Return on assets (ROA) | 1.3662% | 1,184 |
| Pretax return on assets | 1.6819% | 886 |
| Return on Equity (ROE) | 10.8995% | 1,671 |
| Retained earnings to average equity (ytd only) | 4.0683% | 2,785 |
| Net charge-offs to loans | 0.0832% | 1,635 |
| Credit loss provision to net charge-offs | 669.3364% | 1,024 |
| Earnings coverage of net charge-offs (x) | 35.1022% | 1,484 |
| Efficiency ratio | 54.1230% | 4,199 |
| Assets per employee ($millions) | 6.4073% | 1,992 |
| Cash dividends to net income (ytd only)* | 62.6743% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,546 |
| Loan loss allowance to noncurrent loans | 217.8779% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 2,264 |
| Noncurrent loans to loans | 0.6927% | 1,956 |
| Net loans and leases to total assets | 61.5059% | 2,664 |
| Net loans and leases to deposits | 73.5512% | 2,527 |
| Net loans and leases to core deposits | 75.3778% | 2,785 |
| Total domestic deposits to total assets | 83.6233% | 3,232 |
| Equity capital to assets | 12.3623% | 1,389 |
| Core capital (leverage) ratio | 9.5573% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0001% | 2,236 |
| Memoranda: | ||
| Average total assets | $4,671,568,400 | 259 |
| Average earning assets | $4,258,000,600 | 253 |
| Average equity | $585,548,200 | 233 |
| Average total loans | $3,153,259,400 | 254 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 2,633 |
| Cost of funding earning assets | 0.4461% | 3,547 |
| Net interest margin | 3.6709% | 2,033 |
| Noninterest income to average assets | 1.0899% | 871 |
| Noninterest expense to average assets | 2.5218% | 2,772 |
| Loan and lease loss provision to assets | 0.4511% | 714 |
| Net operating income to assets | 1.1952% | 1,651 |
| Return on assets (ROA) | 1.2473% | 1,607 |
| Pretax return on assets | 1.5212% | 1,402 |
| Return on Equity (ROE) | 9.9146% | 2,050 |
| Retained earnings to average equity (ytd only) | 0.6919% | 4,340 |
| Net charge-offs to loans | 0.0300% | 2,233 |
| Credit loss provision to net charge-offs | 2,180.9257% | 439 |
| Earnings coverage of net charge-offs (x) | 92.2903% | 835 |
| Efficiency ratio | 55.1319% | 4,021 |
| Assets per employee ($millions) | 6.1851% | 2,104 |
| Cash dividends to net income (ytd only)* | 93.0211% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,574 |
| Loan loss allowance to noncurrent loans | 204.4235% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 2,279 |
| Noncurrent loans to loans | 0.7041% | 2,031 |
| Net loans and leases to total assets | 66.1246% | 2,504 |
| Net loans and leases to deposits | 79.3093% | 2,391 |
| Net loans and leases to core deposits | 81.1786% | 2,737 |
| Total domestic deposits to total assets | 83.3755% | 3,033 |
| Equity capital to assets | 12.1664% | 1,593 |
| Core capital (leverage) ratio | 9.4200% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5999% | 2,364 |
| Memoranda: | ||
| Average total assets | $4,596,443,250 | 257 |
| Average earning assets | $4,183,076,250 | 253 |
| Average equity | $578,270,000 | 233 |
| Average total loans | $3,165,330,250 | 254 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,619 |
| Cost of funding earning assets | 0.5336% | 3,326 |
| Net interest margin | 3.7118% | 2,127 |
| Noninterest income to average assets | 1.1033% | 817 |
| Noninterest expense to average assets | 2.5577% | 2,801 |
| Loan and lease loss provision to assets | 0.4896% | 743 |
| Net operating income to assets | 1.1757% | 1,707 |
| Return on assets (ROA) | 1.2332% | 1,657 |
| Pretax return on assets | 1.4988% | 1,459 |
| Return on Equity (ROE) | 9.6884% | 2,081 |
| Retained earnings to average equity (ytd only) | -4.2337% | 4,738 |
| Net charge-offs to loans | 0.0351% | 2,037 |
| Credit loss provision to net charge-offs | 2,009.0909% | 476 |
| Earnings coverage of net charge-offs (x) | 78.7236% | 816 |
| Efficiency ratio | 55.2930% | 4,032 |
| Assets per employee ($millions) | 5.8771% | 2,292 |
| Cash dividends to net income (ytd only)* | 143.6988% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,052 |
| Loan loss allowance to noncurrent loans | 221.7919% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 2,672 |
| Noncurrent loans to loans | 0.5818% | 2,411 |
| Net loans and leases to total assets | 67.0219% | 2,497 |
| Net loans and leases to deposits | 80.2417% | 2,395 |
| Net loans and leases to core deposits | 82.4547% | 2,738 |
| Total domestic deposits to total assets | 83.5250% | 2,918 |
| Equity capital to assets | 11.8624% | 1,747 |
| Core capital (leverage) ratio | 9.2108% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0327% | 2,592 |
| Memoranda: | ||
| Average total assets | $4,514,288,000 | 259 |
| Average earning assets | $4,101,837,000 | 256 |
| Average equity | $574,624,000 | 235 |
| Average total loans | $3,137,400,333 | 254 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,536 |
| Cost of funding earning assets | 0.6685% | 3,064 |
| Net interest margin | 3.7535% | 2,126 |
| Noninterest income to average assets | 1.2395% | 573 |
| Noninterest expense to average assets | 2.7482% | 2,583 |
| Loan and lease loss provision to assets | 0.4736% | 623 |
| Net operating income to assets | 1.1756% | 1,598 |
| Return on assets (ROA) | 1.2207% | 1,562 |
| Pretax return on assets | 1.4706% | 1,382 |
| Return on Equity (ROE) | 9.2395% | 2,014 |
| Retained earnings to average equity (ytd only) | -8.1607% | 4,697 |
| Net charge-offs to loans | 0.0575% | 1,434 |
| Credit loss provision to net charge-offs | 1,170.4545% | 511 |
| Earnings coverage of net charge-offs (x) | 46.7114% | 948 |
| Efficiency ratio | 57.3493% | 4,077 |
| Assets per employee ($millions) | 5.3071% | 2,315 |
| Cash dividends to net income (ytd only)* | 188.3239% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,614 |
| Loan loss allowance to noncurrent loans | 198.5532% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,692 |
| Noncurrent loans to loans | 0.6092% | 2,464 |
| Net loans and leases to total assets | 69.3599% | 2,346 |
| Net loans and leases to deposits | 84.6185% | 2,152 |
| Net loans and leases to core deposits | 87.5423% | 2,562 |
| Total domestic deposits to total assets | 81.9677% | 3,431 |
| Equity capital to assets | 13.2589% | 1,317 |
| Core capital (leverage) ratio | 10.0842% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7923% | 2,799 |
| Memoranda: | ||
| Average total assets | $4,350,080,000 | 261 |
| Average earning assets | $3,938,674,500 | 257 |
| Average equity | $574,705,500 | 236 |
| Average total loans | $3,062,049,000 | 255 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 2,204 |
| Cost of funding earning assets | 0.7685% | 2,834 |
| Net interest margin | 3.9761% | 1,923 |
| Noninterest income to average assets | 1.0802% | 815 |
| Noninterest expense to average assets | 2.7470% | 2,760 |
| Loan and lease loss provision to assets | 0.1300% | 1,652 |
| Net operating income to assets | 1.4809% | 1,099 |
| Return on assets (ROA) | 1.5059% | 1,105 |
| Pretax return on assets | 1.8404% | 856 |
| Return on Equity (ROE) | 11.8022% | 1,584 |
| Retained earnings to average equity (ytd only) | 3.1940% | 3,424 |
| Net charge-offs to loans | 0.1697% | 1,190 |
| Credit loss provision to net charge-offs | 109.3429% | 2,275 |
| Earnings coverage of net charge-offs (x) | 16.3199% | 2,182 |
| Efficiency ratio | 56.6726% | 4,126 |
| Assets per employee ($millions) | 5.3416% | 2,205 |
| Cash dividends to net income (ytd only)* | 72.9371% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 4,860 |
| Loan loss allowance to noncurrent loans | 116.3379% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,104 |
| Noncurrent loans to loans | 0.4521% | 2,820 |
| Net loans and leases to total assets | 70.1981% | 2,370 |
| Net loans and leases to deposits | 88.6365% | 1,754 |
| Net loans and leases to core deposits | 92.5937% | 2,193 |
| Total domestic deposits to total assets | 79.1977% | 4,149 |
| Equity capital to assets | 13.1646% | 1,432 |
| Core capital (leverage) ratio | 10.2718% | 3,218 |
| Tier 1 risk-based capital ratio | 12.3532% | 4,158 |
| Total risk-based capital ratio | 12.8199% | 4,475 |
| Memoranda: | ||
| Average total assets | $4,097,023,600 | 263 |
| Average earning assets | $3,716,392,400 | 259 |
| Average equity | $522,757,000 | 243 |
| Average total loans | $2,870,363,800 | 261 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 2,389 |
| Cost of funding earning assets | 0.7807% | 2,810 |
| Net interest margin | 3.9294% | 2,160 |
| Noninterest income to average assets | 1.1019% | 754 |
| Noninterest expense to average assets | 2.7419% | 2,736 |
| Loan and lease loss provision to assets | 0.1234% | 1,583 |
| Net operating income to assets | 1.4799% | 1,244 |
| Return on assets (ROA) | 1.5066% | 1,224 |
| Pretax return on assets | 1.8351% | 1,007 |
| Return on Equity (ROE) | 11.9106% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.3634% | 2,696 |
| Net charge-offs to loans | 0.1743% | 972 |
| Credit loss provision to net charge-offs | 101.2503% | 2,226 |
| Earnings coverage of net charge-offs (x) | 15.8024% | 2,170 |
| Efficiency ratio | 56.8186% | 4,080 |
| Assets per employee ($millions) | 5.1651% | 2,379 |
| Cash dividends to net income (ytd only)* | 54.9692% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5159% | 4,949 |
| Loan loss allowance to noncurrent loans | 117.4438% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,246 |
| Noncurrent loans to loans | 0.4393% | 2,994 |
| Net loans and leases to total assets | 70.4494% | 2,404 |
| Net loans and leases to deposits | 88.4505% | 1,871 |
| Net loans and leases to core deposits | 93.7994% | 2,199 |
| Total domestic deposits to total assets | 79.6484% | 4,061 |
| Equity capital to assets | 13.3954% | 1,407 |
| Core capital (leverage) ratio | 10.3505% | 3,252 |
| Tier 1 risk-based capital ratio | 12.6036% | 4,081 |
| Total risk-based capital ratio | 13.0644% | 4,396 |
| Memoranda: | ||
| Average total assets | $4,024,908,250 | 269 |
| Average earning assets | $3,652,448,500 | 265 |
| Average equity | $509,113,500 | 248 |
| Average total loans | $2,814,253,750 | 268 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 2,630 |
| Cost of funding earning assets | 0.7763% | 2,764 |
| Net interest margin | 3.8388% | 2,441 |
| Noninterest income to average assets | 1.0980% | 708 |
| Noninterest expense to average assets | 2.6283% | 3,122 |
| Loan and lease loss provision to assets | 0.0472% | 2,872 |
| Net operating income to assets | 1.5741% | 963 |
| Return on assets (ROA) | 1.6022% | 949 |
| Pretax return on assets | 1.9443% | 763 |
| Return on Equity (ROE) | 12.9489% | 1,258 |
| Retained earnings to average equity (ytd only) | 2.6366% | 3,882 |
| Net charge-offs to loans | 0.0373% | 2,136 |
| Credit loss provision to net charge-offs | 181.7289% | 1,308 |
| Earnings coverage of net charge-offs (x) | 75.3399% | 851 |
| Efficiency ratio | 55.4867% | 4,308 |
| Assets per employee ($millions) | 5.2057% | 2,249 |
| Cash dividends to net income (ytd only)* | 79.6381% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 4,886 |
| Loan loss allowance to noncurrent loans | 136.5884% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,266 |
| Noncurrent loans to loans | 0.4353% | 2,973 |
| Net loans and leases to total assets | 68.8045% | 2,705 |
| Net loans and leases to deposits | 85.8348% | 2,275 |
| Net loans and leases to core deposits | 92.2092% | 2,395 |
| Total domestic deposits to total assets | 80.1592% | 4,008 |
| Equity capital to assets | 12.5334% | 1,835 |
| Core capital (leverage) ratio | 9.8335% | 3,785 |
| Tier 1 risk-based capital ratio | 12.0685% | 4,380 |
| Total risk-based capital ratio | 12.5954% | 4,663 |
| Memoranda: | ||
| Average total assets | $3,918,605,330 | 274 |
| Average earning assets | $3,560,025,000 | 271 |
| Average equity | $484,861,000 | 255 |
| Average total loans | $2,726,984,000 | 273 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 2,401 |
| Cost of funding earning assets | 0.7912% | 2,588 |
| Net interest margin | 3.8528% | 2,334 |
| Noninterest income to average assets | 1.1784% | 585 |
| Noninterest expense to average assets | 2.6872% | 2,948 |
| Loan and lease loss provision to assets | 0.0691% | 2,273 |
| Net operating income to assets | 1.6055% | 882 |
| Return on assets (ROA) | 1.6189% | 891 |
| Pretax return on assets | 1.9352% | 734 |
| Return on Equity (ROE) | 13.1697% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.0031% | 1,321 |
| Net charge-offs to loans | 0.0374% | 1,737 |
| Credit loss provision to net charge-offs | 264.7059% | 895 |
| Earnings coverage of net charge-offs (x) | 76.1255% | 791 |
| Efficiency ratio | 55.6249% | 4,379 |
| Assets per employee ($millions) | 5.2754% | 2,197 |
| Cash dividends to net income (ytd only)* | 31.6376% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 4,942 |
| Loan loss allowance to noncurrent loans | 130.6863% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,253 |
| Noncurrent loans to loans | 0.4574% | 2,943 |
| Net loans and leases to total assets | 69.4758% | 2,557 |
| Net loans and leases to deposits | 87.6060% | 1,923 |
| Net loans and leases to core deposits | 95.6252% | 1,962 |
| Total domestic deposits to total assets | 79.3049% | 4,299 |
| Equity capital to assets | 12.6058% | 1,681 |
| Core capital (leverage) ratio | 9.9765% | 3,628 |
| Tier 1 risk-based capital ratio | 12.2735% | 4,315 |
| Total risk-based capital ratio | 12.8025% | 4,602 |
| Memoranda: | ||
| Average total assets | $3,904,947,000 | 276 |
| Average earning assets | $3,544,562,500 | 272 |
| Average equity | $480,012,000 | 256 |
| Average total loans | $2,724,870,000 | 275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 3,030 |
| Cost of funding earning assets | 0.5791% | 2,861 |
| Net interest margin | 3.7445% | 2,876 |
| Noninterest income to average assets | 1.0777% | 800 |
| Noninterest expense to average assets | 2.7122% | 2,982 |
| Loan and lease loss provision to assets | 0.0613% | 2,932 |
| Net operating income to assets | 1.4242% | 1,348 |
| Return on assets (ROA) | 1.4414% | 1,293 |
| Pretax return on assets | 1.7539% | 1,041 |
| Return on Equity (ROE) | 13.1101% | 1,303 |
| Retained earnings to average equity (ytd only) | 11.2237% | 401 |
| Net charge-offs to loans | 0.0829% | 1,954 |
| Credit loss provision to net charge-offs | 106.6461% | 2,399 |
| Earnings coverage of net charge-offs (x) | 31.2014% | 1,554 |
| Efficiency ratio | 59.0322% | 4,011 |
| Assets per employee ($millions) | 5.2503% | 2,202 |
| Cash dividends to net income (ytd only)* | 14.3885% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 5,009 |
| Loan loss allowance to noncurrent loans | 119.7623% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,175 |
| Noncurrent loans to loans | 0.4835% | 2,827 |
| Net loans and leases to total assets | 69.2638% | 2,699 |
| Net loans and leases to deposits | 87.8776% | 2,059 |
| Net loans and leases to core deposits | 94.3832% | 2,195 |
| Total domestic deposits to total assets | 78.8186% | 4,343 |
| Equity capital to assets | 11.9817% | 1,910 |
| Core capital (leverage) ratio | 9.7796% | 3,824 |
| Tier 1 risk-based capital ratio | 11.8672% | 4,524 |
| Total risk-based capital ratio | 12.3810% | 4,809 |
| Memoranda: | ||
| Average total assets | $3,375,201,800 | 296 |
| Average earning assets | $3,090,622,400 | 293 |
| Average equity | $371,088,400 | 304 |
| Average total loans | $2,342,343,600 | 303 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 3,261 |
| Cost of funding earning assets | 0.5303% | 2,992 |
| Net interest margin | 3.6858% | 3,068 |
| Noninterest income to average assets | 1.1087% | 766 |
| Noninterest expense to average assets | 2.5719% | 3,372 |
| Loan and lease loss provision to assets | 0.0852% | 2,263 |
| Net operating income to assets | 1.4992% | 1,195 |
| Return on assets (ROA) | 1.5139% | 1,155 |
| Pretax return on assets | 1.8548% | 895 |
| Return on Equity (ROE) | 14.1540% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.4595% | 560 |
| Net charge-offs to loans | 0.1017% | 1,470 |
| Credit loss provision to net charge-offs | 120.8406% | 1,979 |
| Earnings coverage of net charge-offs (x) | 27.2557% | 1,711 |
| Efficiency ratio | 56.3655% | 4,336 |
| Assets per employee ($millions) | 5.1589% | 2,262 |
| Cash dividends to net income (ytd only)* | 19.0367% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 4,902 |
| Loan loss allowance to noncurrent loans | 188.9020% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,670 |
| Noncurrent loans to loans | 0.3622% | 3,352 |
| Net loans and leases to total assets | 69.3700% | 2,746 |
| Net loans and leases to deposits | 87.4937% | 2,211 |
| Net loans and leases to core deposits | 92.3758% | 2,440 |
| Total domestic deposits to total assets | 79.2857% | 4,263 |
| Equity capital to assets | 10.6376% | 3,005 |
| Core capital (leverage) ratio | 9.4447% | 4,236 |
| Tier 1 risk-based capital ratio | 11.5161% | 4,784 |
| Total risk-based capital ratio | 12.1130% | 5,004 |
| Memoranda: | ||
| Average total assets | $3,238,512,500 | 306 |
| Average earning assets | $2,974,539,000 | 300 |
| Average equity | $346,380,750 | 313 |
| Average total loans | $2,244,849,000 | 310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 3,370 |
| Cost of funding earning assets | 0.4863% | 3,122 |
| Net interest margin | 3.6374% | 3,170 |
| Noninterest income to average assets | 1.1284% | 753 |
| Noninterest expense to average assets | 2.5719% | 3,410 |
| Loan and lease loss provision to assets | 0.0982% | 1,974 |
| Net operating income to assets | 1.4744% | 1,214 |
| Return on assets (ROA) | 1.4921% | 1,179 |
| Pretax return on assets | 1.8232% | 911 |
| Return on Equity (ROE) | 13.9236% | 1,091 |
| Retained earnings to average equity (ytd only) | 9.8391% | 968 |
| Net charge-offs to loans | 0.1472% | 1,043 |
| Credit loss provision to net charge-offs | 96.4966% | 2,097 |
| Earnings coverage of net charge-offs (x) | 18.6749% | 1,885 |
| Efficiency ratio | 56.7979% | 4,386 |
| Assets per employee ($millions) | 5.0369% | 2,369 |
| Cash dividends to net income (ytd only)* | 29.3353% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 4,992 |
| Loan loss allowance to noncurrent loans | 164.8256% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 3,624 |
| Noncurrent loans to loans | 0.4075% | 3,236 |
| Net loans and leases to total assets | 69.2452% | 2,684 |
| Net loans and leases to deposits | 88.1485% | 2,093 |
| Net loans and leases to core deposits | 91.6539% | 2,430 |
| Total domestic deposits to total assets | 78.5552% | 4,503 |
| Equity capital to assets | 10.4284% | 3,185 |
| Core capital (leverage) ratio | 9.3398% | 4,317 |
| Tier 1 risk-based capital ratio | 11.0819% | 5,011 |
| Total risk-based capital ratio | 11.6666% | 5,212 |
| Memoranda: | ||
| Average total assets | $3,198,536,000 | 304 |
| Average earning assets | $2,939,948,330 | 301 |
| Average equity | $342,755,670 | 312 |
| Average total loans | $2,211,197,670 | 311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,459 |
| Cost of funding earning assets | 0.4609% | 3,122 |
| Net interest margin | 3.5812% | 3,250 |
| Noninterest income to average assets | 1.1803% | 660 |
| Noninterest expense to average assets | 2.5777% | 3,406 |
| Loan and lease loss provision to assets | 0.0448% | 2,871 |
| Net operating income to assets | 1.5172% | 1,040 |
| Return on assets (ROA) | 1.5455% | 972 |
| Pretax return on assets | 1.8910% | 743 |
| Return on Equity (ROE) | 14.2185% | 961 |
| Retained earnings to average equity (ytd only) | 5.9834% | 2,711 |
| Net charge-offs to loans | 0.2943% | 520 |
| Credit loss provision to net charge-offs | 22.0960% | 2,114 |
| Earnings coverage of net charge-offs (x) | 9.3864% | 1,968 |
| Efficiency ratio | 56.9634% | 4,472 |
| Assets per employee ($millions) | 5.0162% | 2,476 |
| Cash dividends to net income (ytd only)* | 57.9183% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 5,078 |
| Loan loss allowance to noncurrent loans | 136.6213% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,479 |
| Noncurrent loans to loans | 0.4906% | 3,049 |
| Net loans and leases to total assets | 68.6746% | 2,677 |
| Net loans and leases to deposits | 85.8757% | 2,179 |
| Net loans and leases to core deposits | 90.8860% | 2,381 |
| Total domestic deposits to total assets | 79.9697% | 4,422 |
| Equity capital to assets | 10.8318% | 2,741 |
| Core capital (leverage) ratio | 9.6199% | 3,940 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,702 |
| Total risk-based capital ratio | 12.3437% | 4,988 |
| Memoranda: | ||
| Average total assets | $3,128,068,000 | 307 |
| Average earning assets | $2,881,279,000 | 305 |
| Average equity | $340,007,500 | 319 |
| Average total loans | $2,152,765,500 | 312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,424 |
| Cost of funding earning assets | 0.3698% | 3,519 |
| Net interest margin | 3.6236% | 3,091 |
| Noninterest income to average assets | 1.0357% | 946 |
| Noninterest expense to average assets | 2.5589% | 3,581 |
| Loan and lease loss provision to assets | 0.0580% | 3,073 |
| Net operating income to assets | 1.3330% | 1,156 |
| Return on assets (ROA) | 1.3479% | 1,143 |
| Pretax return on assets | 1.7763% | 846 |
| Return on Equity (ROE) | 12.2231% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.7068% | 2,318 |
| Net charge-offs to loans | 0.0420% | 2,944 |
| Credit loss provision to net charge-offs | 202.5463% | 1,350 |
| Earnings coverage of net charge-offs (x) | 63.3472% | 921 |
| Efficiency ratio | 57.7940% | 4,547 |
| Assets per employee ($millions) | 5.0500% | 2,420 |
| Cash dividends to net income (ytd only)* | 61.4931% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,005 |
| Loan loss allowance to noncurrent loans | 132.8874% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 3,349 |
| Noncurrent loans to loans | 0.5497% | 2,848 |
| Net loans and leases to total assets | 68.0050% | 2,817 |
| Net loans and leases to deposits | 84.9926% | 2,371 |
| Net loans and leases to core deposits | 89.0769% | 2,648 |
| Total domestic deposits to total assets | 80.0128% | 4,335 |
| Equity capital to assets | 10.9072% | 2,725 |
| Core capital (leverage) ratio | 9.6284% | 3,889 |
| Tier 1 risk-based capital ratio | 11.6560% | 4,749 |
| Total risk-based capital ratio | 12.2866% | 5,006 |
| Memoranda: | ||
| Average total assets | $3,016,068,400 | 305 |
| Average earning assets | $2,778,283,800 | 302 |
| Average equity | $332,607,000 | 307 |
| Average total loans | $2,056,081,800 | 310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,395 |
| Cost of funding earning assets | 0.3552% | 3,616 |
| Net interest margin | 3.6337% | 3,024 |
| Noninterest income to average assets | 1.0567% | 914 |
| Noninterest expense to average assets | 2.5551% | 3,551 |
| Loan and lease loss provision to assets | 0.0491% | 3,111 |
| Net operating income to assets | 1.2933% | 1,358 |
| Return on assets (ROA) | 1.3117% | 1,329 |
| Pretax return on assets | 1.8279% | 829 |
| Return on Equity (ROE) | 11.8604% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.7858% | 3,668 |
| Net charge-offs to loans | 0.0385% | 2,666 |
| Credit loss provision to net charge-offs | 187.3935% | 1,418 |
| Earnings coverage of net charge-offs (x) | 70.6420% | 887 |
| Efficiency ratio | 57.2498% | 4,590 |
| Assets per employee ($millions) | 4.9510% | 2,514 |
| Cash dividends to net income (ytd only)* | 68.0805% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 5,069 |
| Loan loss allowance to noncurrent loans | 158.7504% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,714 |
| Noncurrent loans to loans | 0.4607% | 3,323 |
| Net loans and leases to total assets | 67.8530% | 2,860 |
| Net loans and leases to deposits | 85.0900% | 2,421 |
| Net loans and leases to core deposits | 88.7327% | 2,709 |
| Total domestic deposits to total assets | 79.7426% | 4,378 |
| Equity capital to assets | 11.1186% | 2,745 |
| Core capital (leverage) ratio | 9.5524% | 4,089 |
| Tier 1 risk-based capital ratio | 11.5706% | 4,911 |
| Total risk-based capital ratio | 12.1965% | 5,169 |
| Memoranda: | ||
| Average total assets | $2,986,076,000 | 311 |
| Average earning assets | $2,752,925,500 | 307 |
| Average equity | $330,245,500 | 307 |
| Average total loans | $2,033,013,000 | 311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,249 |
| Cost of funding earning assets | 0.3285% | 3,812 |
| Net interest margin | 3.6588% | 2,797 |
| Noninterest income to average assets | 1.0775% | 864 |
| Noninterest expense to average assets | 2.5409% | 3,614 |
| Loan and lease loss provision to assets | 0.0574% | 2,827 |
| Net operating income to assets | 1.3253% | 1,234 |
| Return on assets (ROA) | 1.3253% | 1,261 |
| Pretax return on assets | 1.8520% | 739 |
| Return on Equity (ROE) | 12.0051% | 1,297 |
| Retained earnings to average equity (ytd only) | -0.2369% | 5,113 |
| Net charge-offs to loans | 0.0336% | 2,521 |
| Credit loss provision to net charge-offs | 251.4793% | 1,068 |
| Earnings coverage of net charge-offs (x) | 83.6036% | 746 |
| Efficiency ratio | 56.3429% | 4,788 |
| Assets per employee ($millions) | 4.7738% | 2,686 |
| Cash dividends to net income (ytd only)* | 101.9732% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 5,084 |
| Loan loss allowance to noncurrent loans | 484.9636% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 4,582 |
| Noncurrent loans to loans | 0.1547% | 4,496 |
| Net loans and leases to total assets | 67.5881% | 2,864 |
| Net loans and leases to deposits | 84.9066% | 2,364 |
| Net loans and leases to core deposits | 87.7776% | 2,719 |
| Total domestic deposits to total assets | 79.6029% | 4,499 |
| Equity capital to assets | 11.0839% | 2,719 |
| Core capital (leverage) ratio | 9.3929% | 4,237 |
| Tier 1 risk-based capital ratio | 11.5201% | 4,944 |
| Total risk-based capital ratio | 12.1658% | 5,206 |
| Memoranda: | ||
| Average total assets | $2,959,870,000 | 315 |
| Average earning assets | $2,728,432,330 | 311 |
| Average equity | $326,743,330 | 311 |
| Average total loans | $2,012,414,330 | 313 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,069 |
| Cost of funding earning assets | 0.3108% | 3,932 |
| Net interest margin | 3.6799% | 2,562 |
| Noninterest income to average assets | 1.1164% | 799 |
| Noninterest expense to average assets | 2.5645% | 3,609 |
| Loan and lease loss provision to assets | 0.0680% | 2,450 |
| Net operating income to assets | 1.3169% | 1,196 |
| Return on assets (ROA) | 1.3169% | 1,229 |
| Pretax return on assets | 1.8724% | 687 |
| Return on Equity (ROE) | 11.9542% | 1,253 |
| Retained earnings to average equity (ytd only) | -0.3926% | 4,982 |
| Net charge-offs to loans | 0.0284% | 2,184 |
| Credit loss provision to net charge-offs | 352.1127% | 713 |
| Earnings coverage of net charge-offs (x) | 100.4648% | 530 |
| Efficiency ratio | 56.1624% | 4,921 |
| Assets per employee ($millions) | 4.8482% | 2,629 |
| Cash dividends to net income (ytd only)* | 103.2844% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 5,171 |
| Loan loss allowance to noncurrent loans | 266.3973% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 4,434 |
| Noncurrent loans to loans | 0.2860% | 4,091 |
| Net loans and leases to total assets | 67.4541% | 2,753 |
| Net loans and leases to deposits | 84.2372% | 2,256 |
| Net loans and leases to core deposits | 87.4379% | 2,601 |
| Total domestic deposits to total assets | 80.0764% | 4,602 |
| Equity capital to assets | 11.1260% | 2,510 |
| Core capital (leverage) ratio | 9.5068% | 4,120 |
| Tier 1 risk-based capital ratio | 11.7685% | 4,874 |
| Total risk-based capital ratio | 12.4216% | 5,114 |
| Memoranda: | ||
| Average total assets | $2,940,822,500 | 318 |
| Average earning assets | $2,707,895,000 | 313 |
| Average equity | $323,970,000 | 313 |
| Average total loans | $1,997,828,000 | 317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,288 |
| Cost of funding earning assets | 0.2976% | 4,092 |
| Net interest margin | 3.6779% | 2,785 |
| Noninterest income to average assets | 1.0695% | 988 |
| Noninterest expense to average assets | 2.6589% | 3,491 |
| Loan and lease loss provision to assets | 0.0427% | 3,528 |
| Net operating income to assets | 1.2461% | 1,364 |
| Return on assets (ROA) | 1.2960% | 1,295 |
| Pretax return on assets | 1.8371% | 720 |
| Return on Equity (ROE) | 12.0302% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.0787% | 1,202 |
| Net charge-offs to loans | 0.0438% | 3,158 |
| Credit loss provision to net charge-offs | 144.5783% | 1,895 |
| Earnings coverage of net charge-offs (x) | 61.3012% | 874 |
| Efficiency ratio | 58.6600% | 4,764 |
| Assets per employee ($millions) | 4.8816% | 2,527 |
| Cash dividends to net income (ytd only)* | 41.1590% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 5,276 |
| Loan loss allowance to noncurrent loans | 390.1976% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 4,762 |
| Noncurrent loans to loans | 0.1893% | 4,484 |
| Net loans and leases to total assets | 67.3956% | 2,870 |
| Net loans and leases to deposits | 84.3128% | 2,380 |
| Net loans and leases to core deposits | 88.0308% | 2,674 |
| Total domestic deposits to total assets | 79.9352% | 4,590 |
| Equity capital to assets | 10.9076% | 2,705 |
| Core capital (leverage) ratio | 9.4598% | 4,140 |
| Tier 1 risk-based capital ratio | 11.8413% | 4,827 |
| Total risk-based capital ratio | 12.4813% | 5,099 |
| Memoranda: | ||
| Average total assets | $2,811,965,600 | 312 |
| Average earning assets | $2,598,520,400 | 306 |
| Average equity | $302,938,200 | 319 |
| Average total loans | $1,897,004,400 | 317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,401 |
| Cost of funding earning assets | 0.2970% | 4,136 |
| Net interest margin | 3.6569% | 2,865 |
| Noninterest income to average assets | 1.0693% | 991 |
| Noninterest expense to average assets | 2.6736% | 3,415 |
| Loan and lease loss provision to assets | 0.0576% | 3,093 |
| Net operating income to assets | 1.2102% | 1,611 |
| Return on assets (ROA) | 1.2581% | 1,529 |
| Pretax return on assets | 1.7917% | 913 |
| Return on Equity (ROE) | 11.7169% | 1,412 |
| Retained earnings to average equity (ytd only) | 5.0087% | 2,819 |
| Net charge-offs to loans | 0.0345% | 2,940 |
| Credit loss provision to net charge-offs | 247.9339% | 1,208 |
| Earnings coverage of net charge-offs (x) | 76.6257% | 812 |
| Efficiency ratio | 59.1585% | 4,669 |
| Assets per employee ($millions) | 5.0469% | 2,315 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 5,314 |
| Loan loss allowance to noncurrent loans | 297.3121% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,704 |
| Noncurrent loans to loans | 0.2529% | 4,361 |
| Net loans and leases to total assets | 67.2873% | 2,906 |
| Net loans and leases to deposits | 85.3974% | 2,322 |
| Net loans and leases to core deposits | 91.1912% | 2,464 |
| Total domestic deposits to total assets | 78.7931% | 4,768 |
| Equity capital to assets | 11.1127% | 2,906 |
| Core capital (leverage) ratio | 9.2208% | 4,558 |
| Tier 1 risk-based capital ratio | 11.3916% | 5,162 |
| Total risk-based capital ratio | 12.0455% | 5,386 |
| Memoranda: | ||
| Average total assets | $2,776,622,500 | 313 |
| Average earning assets | $2,570,337,250 | 309 |
| Average equity | $298,138,250 | 325 |
| Average total loans | $1,869,948,500 | 317 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,462 |
| Cost of funding earning assets | 0.2969% | 4,168 |
| Net interest margin | 3.6448% | 2,917 |
| Noninterest income to average assets | 1.0563% | 1,002 |
| Noninterest expense to average assets | 2.7506% | 3,195 |
| Loan and lease loss provision to assets | 0.0885% | 2,370 |
| Net operating income to assets | 1.1185% | 1,893 |
| Return on assets (ROA) | 1.1685% | 1,805 |
| Pretax return on assets | 1.6651% | 1,185 |
| Return on Equity (ROE) | 11.0235% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.0646% | 3,318 |
| Net charge-offs to loans | 0.0367% | 2,724 |
| Credit loss provision to net charge-offs | 359.2814% | 841 |
| Earnings coverage of net charge-offs (x) | 68.2784% | 793 |
| Efficiency ratio | 61.1858% | 4,482 |
| Assets per employee ($millions) | 4.8473% | 2,487 |
| Cash dividends to net income (ytd only)* | 63.1273% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 5,329 |
| Loan loss allowance to noncurrent loans | 164.2589% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 4,160 |
| Noncurrent loans to loans | 0.4740% | 3,664 |
| Net loans and leases to total assets | 67.0613% | 2,930 |
| Net loans and leases to deposits | 85.3499% | 2,316 |
| Net loans and leases to core deposits | 88.9623% | 2,643 |
| Total domestic deposits to total assets | 78.5722% | 4,879 |
| Equity capital to assets | 11.1421% | 2,904 |
| Core capital (leverage) ratio | 9.1977% | 4,598 |
| Tier 1 risk-based capital ratio | 11.5602% | 5,112 |
| Total risk-based capital ratio | 12.2447% | 5,349 |
| Memoranda: | ||
| Average total assets | $2,711,291,330 | 321 |
| Average earning assets | $2,511,775,670 | 312 |
| Average equity | $287,405,000 | 329 |
| Average total loans | $1,821,482,330 | 322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,177 |
| Cost of funding earning assets | 0.2919% | 4,261 |
| Net interest margin | 3.4473% | 3,678 |
| Noninterest income to average assets | 1.1049% | 895 |
| Noninterest expense to average assets | 2.9368% | 2,578 |
| Loan and lease loss provision to assets | 0.1301% | 1,624 |
| Net operating income to assets | 0.8999% | 2,756 |
| Return on assets (ROA) | 0.8999% | 2,885 |
| Pretax return on assets | 1.2376% | 2,544 |
| Return on Equity (ROE) | 8.7379% | 2,545 |
| Retained earnings to average equity (ytd only) | -6.1275% | 5,670 |
| Net charge-offs to loans | 0.0290% | 2,364 |
| Credit loss provision to net charge-offs | 669.2913% | 492 |
| Earnings coverage of net charge-offs (x) | 70.3465% | 694 |
| Efficiency ratio | 67.4859% | 3,550 |
| Assets per employee ($millions) | 4.8142% | 2,562 |
| Cash dividends to net income (ytd only)* | 170.1259% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 5,399 |
| Loan loss allowance to noncurrent loans | 224.2751% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 4,563 |
| Noncurrent loans to loans | 0.3514% | 4,171 |
| Net loans and leases to total assets | 66.7391% | 2,852 |
| Net loans and leases to deposits | 84.8169% | 2,211 |
| Net loans and leases to core deposits | 89.3161% | 2,439 |
| Total domestic deposits to total assets | 78.6862% | 5,034 |
| Equity capital to assets | 10.8667% | 3,087 |
| Core capital (leverage) ratio | 9.9533% | 3,595 |
| Tier 1 risk-based capital ratio | 11.4131% | 5,273 |
| Total risk-based capital ratio | 12.1096% | 5,480 |
| Memoranda: | ||
| Average total assets | $2,612,755,500 | 326 |
| Average earning assets | $2,425,085,500 | 320 |
| Average equity | $269,081,500 | 336 |
| Average total loans | $1,749,378,500 | 329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 3,911 |
| Cost of funding earning assets | 0.2642% | 4,651 |
| Net interest margin | 3.5785% | 3,215 |
| Noninterest income to average assets | 1.1727% | 866 |
| Noninterest expense to average assets | 2.6565% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3133% | 1,235 |
| Return on assets (ROA) | 1.3351% | 1,229 |
| Pretax return on assets | 1.8831% | 681 |
| Return on Equity (ROE) | 13.7840% | 889 |
| Retained earnings to average equity (ytd only) | 6.5732% | 1,500 |
| Net charge-offs to loans | 0.0328% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 85.8900% | 657 |
| Efficiency ratio | 58.1475% | 5,124 |
| Assets per employee ($millions) | 4.9392% | 2,437 |
| Cash dividends to net income (ytd only)* | 52.3130% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 5,022 |
| Loan loss allowance to noncurrent loans | 439.3792% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 5,007 |
| Noncurrent loans to loans | 0.2086% | 4,670 |
| Net loans and leases to total assets | 65.9655% | 2,982 |
| Net loans and leases to deposits | 84.5485% | 2,297 |
| Net loans and leases to core deposits | 88.6581% | 2,539 |
| Total domestic deposits to total assets | 78.0209% | 5,158 |
| Equity capital to assets | 9.6123% | 4,425 |
| Core capital (leverage) ratio | 8.8674% | 5,041 |
| Tier 1 risk-based capital ratio | 11.2396% | 5,404 |
| Total risk-based capital ratio | 12.0379% | 5,544 |
| Memoranda: | ||
| Average total assets | $2,276,608,200 | 345 |
| Average earning assets | $2,122,487,600 | 337 |
| Average equity | $220,501,800 | 385 |
| Average total loans | $1,497,192,600 | 352 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 3,959 |
| Cost of funding earning assets | 0.2626% | 4,750 |
| Net interest margin | 3.5804% | 3,235 |
| Noninterest income to average assets | 1.2005% | 841 |
| Noninterest expense to average assets | 2.7006% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3001% | 1,343 |
| Return on assets (ROA) | 1.3294% | 1,320 |
| Pretax return on assets | 1.8778% | 757 |
| Return on Equity (ROE) | 13.6985% | 963 |
| Retained earnings to average equity (ytd only) | 7.6040% | 1,414 |
| Net charge-offs to loans | 0.0143% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 195.2936% | 365 |
| Efficiency ratio | 58.7008% | 5,044 |
| Assets per employee ($millions) | 4.8344% | 2,513 |
| Cash dividends to net income (ytd only)* | 44.4899% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,881 |
| Loan loss allowance to noncurrent loans | 276.7991% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,811 |
| Noncurrent loans to loans | 0.3511% | 4,356 |
| Net loans and leases to total assets | 65.2744% | 3,116 |
| Net loans and leases to deposits | 82.4234% | 2,595 |
| Net loans and leases to core deposits | 87.9549% | 2,665 |
| Total domestic deposits to total assets | 79.1940% | 4,930 |
| Equity capital to assets | 9.8075% | 4,382 |
| Core capital (leverage) ratio | 8.9744% | 5,020 |
| Tier 1 risk-based capital ratio | 11.4952% | 5,378 |
| Total risk-based capital ratio | 12.3390% | 5,506 |
| Memoranda: | ||
| Average total assets | $2,254,288,000 | 353 |
| Average earning assets | $2,100,783,250 | 343 |
| Average equity | $218,773,000 | 394 |
| Average total loans | $1,477,713,500 | 356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 3,862 |
| Cost of funding earning assets | 0.2583% | 4,855 |
| Net interest margin | 3.5927% | 3,118 |
| Noninterest income to average assets | 1.1210% | 961 |
| Noninterest expense to average assets | 2.5857% | 3,953 |
| Loan and lease loss provision to assets | 0.0447% | 3,218 |
| Net operating income to assets | 1.2666% | 1,410 |
| Return on assets (ROA) | 1.3097% | 1,353 |
| Pretax return on assets | 1.9013% | 730 |
| Return on Equity (ROE) | 13.5444% | 997 |
| Retained earnings to average equity (ytd only) | 8.9214% | 944 |
| Net charge-offs to loans | 0.0234% | 3,202 |
| Credit loss provision to net charge-offs | 292.3977% | 941 |
| Earnings coverage of net charge-offs (x) | 123.2105% | 511 |
| Efficiency ratio | 56.9603% | 5,341 |
| Assets per employee ($millions) | 4.6425% | 2,757 |
| Cash dividends to net income (ytd only)* | 34.1320% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,718 |
| Loan loss allowance to noncurrent loans | 280.1689% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 4,846 |
| Noncurrent loans to loans | 0.3672% | 4,390 |
| Net loans and leases to total assets | 65.1975% | 3,091 |
| Net loans and leases to deposits | 82.4362% | 2,500 |
| Net loans and leases to core deposits | 86.4418% | 2,722 |
| Total domestic deposits to total assets | 79.0884% | 5,084 |
| Equity capital to assets | 9.7344% | 4,364 |
| Core capital (leverage) ratio | 8.9985% | 4,971 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,222 |
| Total risk-based capital ratio | 12.8078% | 5,344 |
| Memoranda: | ||
| Average total assets | $2,237,054,000 | 352 |
| Average earning assets | $2,084,890,670 | 345 |
| Average equity | $216,311,000 | 397 |
| Average total loans | $1,463,621,330 | 356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,828 |
| Cost of funding earning assets | 0.2578% | 4,930 |
| Net interest margin | 3.5919% | 3,040 |
| Noninterest income to average assets | 1.1983% | 790 |
| Noninterest expense to average assets | 2.6471% | 3,754 |
| Loan and lease loss provision to assets | 0.0448% | 3,022 |
| Net operating income to assets | 1.2533% | 1,398 |
| Return on assets (ROA) | 1.3097% | 1,327 |
| Pretax return on assets | 1.9342% | 670 |
| Return on Equity (ROE) | 13.5912% | 958 |
| Retained earnings to average equity (ytd only) | 4.2834% | 3,445 |
| Net charge-offs to loans | 0.0028% | 3,227 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 1,056.9000% | 36 |
| Efficiency ratio | 57.2991% | 5,412 |
| Assets per employee ($millions) | 4.6608% | 2,820 |
| Cash dividends to net income (ytd only)* | 68.4838% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,797 |
| Loan loss allowance to noncurrent loans | 249.7366% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 4,814 |
| Noncurrent loans to loans | 0.4179% | 4,337 |
| Net loans and leases to total assets | 64.4177% | 3,039 |
| Net loans and leases to deposits | 78.9419% | 2,690 |
| Net loans and leases to core deposits | 84.4246% | 2,725 |
| Total domestic deposits to total assets | 81.6014% | 4,638 |
| Equity capital to assets | 9.7541% | 4,426 |
| Core capital (leverage) ratio | 8.7146% | 5,309 |
| Tier 1 risk-based capital ratio | 11.7029% | 5,434 |
| Total risk-based capital ratio | 12.6326% | 5,529 |
| Memoranda: | ||
| Average total assets | $2,229,763,000 | 353 |
| Average earning assets | $2,076,325,500 | 345 |
| Average equity | $214,875,000 | 398 |
| Average total loans | $1,453,798,000 | 354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,858 |
| Cost of funding earning assets | 0.2711% | 5,083 |
| Net interest margin | 3.6935% | 3,030 |
| Noninterest income to average assets | 1.0274% | 1,159 |
| Noninterest expense to average assets | 2.6268% | 4,126 |
| Loan and lease loss provision to assets | 0.0069% | 4,491 |
| Net operating income to assets | 1.2535% | 1,421 |
| Return on assets (ROA) | 1.3003% | 1,356 |
| Pretax return on assets | 1.8883% | 660 |
| Return on Equity (ROE) | 14.0027% | 935 |
| Retained earnings to average equity (ytd only) | 4.1382% | 3,255 |
| Net charge-offs to loans | -0.0138% | 5,627 |
| Credit loss provision to net charge-offs | -76.9231% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6846% | 5,495 |
| Assets per employee ($millions) | 4.7063% | 2,721 |
| Cash dividends to net income (ytd only)* | 70.4473% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 4,918 |
| Loan loss allowance to noncurrent loans | 244.3372% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 4,871 |
| Noncurrent loans to loans | 0.4201% | 4,381 |
| Net loans and leases to total assets | 64.6592% | 3,113 |
| Net loans and leases to deposits | 80.0294% | 2,709 |
| Net loans and leases to core deposits | 83.8179% | 2,916 |
| Total domestic deposits to total assets | 80.7943% | 4,798 |
| Equity capital to assets | 9.5229% | 4,697 |
| Core capital (leverage) ratio | 8.5929% | 5,453 |
| Tier 1 risk-based capital ratio | 11.6433% | 5,581 |
| Total risk-based capital ratio | 12.5742% | 5,679 |
| Memoranda: | ||
| Average total assets | $2,183,395,200 | 340 |
| Average earning assets | $2,025,764,800 | 334 |
| Average equity | $202,746,200 | 400 |
| Average total loans | $1,415,785,000 | 346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,929 |
| Cost of funding earning assets | 0.2735% | 5,170 |
| Net interest margin | 3.6859% | 3,084 |
| Noninterest income to average assets | 1.0542% | 1,107 |
| Noninterest expense to average assets | 2.6380% | 4,066 |
| Loan and lease loss provision to assets | 0.0338% | 3,730 |
| Net operating income to assets | 1.2321% | 1,574 |
| Return on assets (ROA) | 1.2754% | 1,506 |
| Pretax return on assets | 1.8624% | 773 |
| Return on Equity (ROE) | 13.8255% | 1,021 |
| Retained earnings to average equity (ytd only) | 5.1779% | 2,972 |
| Net charge-offs to loans | -0.0434% | 5,856 |
| Credit loss provision to net charge-offs | -120.0873% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6727% | 5,488 |
| Assets per employee ($millions) | 4.6616% | 2,716 |
| Cash dividends to net income (ytd only)* | 62.5481% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 4,828 |
| Loan loss allowance to noncurrent loans | 270.5535% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 5,126 |
| Noncurrent loans to loans | 0.4001% | 4,706 |
| Net loans and leases to total assets | 64.7525% | 3,067 |
| Net loans and leases to deposits | 79.9807% | 2,693 |
| Net loans and leases to core deposits | 83.4540% | 2,947 |
| Total domestic deposits to total assets | 80.9601% | 4,831 |
| Equity capital to assets | 9.4784% | 4,821 |
| Core capital (leverage) ratio | 8.5927% | 5,558 |
| Tier 1 risk-based capital ratio | 11.7550% | 5,637 |
| Total risk-based capital ratio | 12.7412% | 5,727 |
| Memoranda: | ||
| Average total assets | $2,172,724,500 | 342 |
| Average earning assets | $2,013,729,250 | 332 |
| Average equity | $200,435,750 | 401 |
| Average total loans | $1,406,158,000 | 343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 3,972 |
| Cost of funding earning assets | 0.2710% | 5,279 |
| Net interest margin | 3.6702% | 3,066 |
| Noninterest income to average assets | 1.0455% | 1,086 |
| Noninterest expense to average assets | 2.6802% | 3,943 |
| Loan and lease loss provision to assets | 0.0508% | 3,287 |
| Net operating income to assets | 1.1770% | 1,668 |
| Return on assets (ROA) | 1.2071% | 1,627 |
| Pretax return on assets | 1.7559% | 921 |
| Return on Equity (ROE) | 13.2079% | 1,123 |
| Retained earnings to average equity (ytd only) | 0.0587% | 5,654 |
| Net charge-offs to loans | -0.0597% | 5,950 |
| Credit loss provision to net charge-offs | -132.2115% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9198% | 5,442 |
| Assets per employee ($millions) | 4.5488% | 2,848 |
| Cash dividends to net income (ytd only)* | 99.5558% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,926 |
| Loan loss allowance to noncurrent loans | 260.5126% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 5,111 |
| Noncurrent loans to loans | 0.4209% | 4,729 |
| Net loans and leases to total assets | 64.1112% | 3,060 |
| Net loans and leases to deposits | 79.6486% | 2,569 |
| Net loans and leases to core deposits | 82.8348% | 2,878 |
| Total domestic deposits to total assets | 80.4926% | 5,134 |
| Equity capital to assets | 9.1693% | 5,137 |
| Core capital (leverage) ratio | 8.3582% | 5,790 |
| Tier 1 risk-based capital ratio | 11.3445% | 5,880 |
| Total risk-based capital ratio | 12.3364% | 5,951 |
| Memoranda: | ||
| Average total assets | $2,163,533,670 | 338 |
| Average earning assets | $2,002,996,000 | 329 |
| Average equity | $197,730,000 | 402 |
| Average total loans | $1,394,764,330 | 340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,878 |
| Cost of funding earning assets | 0.2705% | 5,378 |
| Net interest margin | 3.6835% | 2,935 |
| Noninterest income to average assets | 1.1255% | 880 |
| Noninterest expense to average assets | 2.7799% | 3,640 |
| Loan and lease loss provision to assets | 0.0651% | 2,825 |
| Net operating income to assets | 1.1515% | 1,625 |
| Return on assets (ROA) | 1.1803% | 1,603 |
| Pretax return on assets | 1.7288% | 917 |
| Return on Equity (ROE) | 12.9364% | 1,175 |
| Retained earnings to average equity (ytd only) | -1.3287% | 5,774 |
| Net charge-offs to loans | -0.1591% | 6,309 |
| Credit loss provision to net charge-offs | -63.6364% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9196% | 5,422 |
| Assets per employee ($millions) | 4.4745% | 3,012 |
| Cash dividends to net income (ytd only)* | 110.2710% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,004 |
| Loan loss allowance to noncurrent loans | 131.3094% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 4,390 |
| Noncurrent loans to loans | 0.8580% | 3,746 |
| Net loans and leases to total assets | 63.4011% | 2,997 |
| Net loans and leases to deposits | 76.2490% | 2,789 |
| Net loans and leases to core deposits | 79.3072% | 3,058 |
| Total domestic deposits to total assets | 83.1501% | 4,553 |
| Equity capital to assets | 9.1956% | 4,876 |
| Core capital (leverage) ratio | 8.3831% | 5,763 |
| Tier 1 risk-based capital ratio | 11.5472% | 5,889 |
| Total risk-based capital ratio | 12.5584% | 5,961 |
| Memoranda: | ||
| Average total assets | $2,151,305,000 | 339 |
| Average earning assets | $1,989,198,500 | 334 |
| Average equity | $196,283,500 | 403 |
| Average total loans | $1,382,998,000 | 342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 4,017 |
| Cost of funding earning assets | 0.3157% | 5,462 |
| Net interest margin | 3.7051% | 3,032 |
| Noninterest income to average assets | 1.0362% | 1,304 |
| Noninterest expense to average assets | 2.6544% | 4,264 |
| Loan and lease loss provision to assets | 0.0172% | 4,788 |
| Net operating income to assets | 1.1957% | 1,585 |
| Return on assets (ROA) | 1.2636% | 1,408 |
| Pretax return on assets | 1.8857% | 623 |
| Return on Equity (ROE) | 13.9183% | 968 |
| Retained earnings to average equity (ytd only) | 6.3493% | 1,772 |
| Net charge-offs to loans | 0.1007% | 3,830 |
| Credit loss provision to net charge-offs | 27.2162% | 4,309 |
| Earnings coverage of net charge-offs (x) | 28.5412% | 1,230 |
| Efficiency ratio | 58.0102% | 5,734 |
| Assets per employee ($millions) | 4.5174% | 2,871 |
| Cash dividends to net income (ytd only)* | 54.3816% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,352 |
| Loan loss allowance to noncurrent loans | 173.9089% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 4,946 |
| Noncurrent loans to loans | 0.6026% | 4,474 |
| Net loans and leases to total assets | 63.7728% | 3,076 |
| Net loans and leases to deposits | 75.5825% | 3,010 |
| Net loans and leases to core deposits | 78.3885% | 3,311 |
| Total domestic deposits to total assets | 84.3751% | 4,029 |
| Equity capital to assets | 9.0528% | 4,967 |
| Core capital (leverage) ratio | 8.3665% | 5,812 |
| Tier 1 risk-based capital ratio | 11.5114% | 5,898 |
| Total risk-based capital ratio | 12.4591% | 6,018 |
| Memoranda: | ||
| Average total assets | $2,037,352,400 | 350 |
| Average earning assets | $1,880,476,000 | 339 |
| Average equity | $184,965,000 | 415 |
| Average total loans | $1,277,015,200 | 349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 4,109 |
| Cost of funding earning assets | 0.3213% | 5,541 |
| Net interest margin | 3.6849% | 3,084 |
| Noninterest income to average assets | 1.0575% | 1,307 |
| Noninterest expense to average assets | 2.6243% | 4,308 |
| Loan and lease loss provision to assets | -0.0166% | 6,480 |
| Net operating income to assets | 1.2293% | 1,534 |
| Return on assets (ROA) | 1.2959% | 1,430 |
| Pretax return on assets | 1.9464% | 656 |
| Return on Equity (ROE) | 14.2627% | 934 |
| Retained earnings to average equity (ytd only) | 7.6816% | 1,556 |
| Net charge-offs to loans | 0.0861% | 3,720 |
| Credit loss provision to net charge-offs | -31.0174% | 5,676 |
| Earnings coverage of net charge-offs (x) | 34.1824% | 1,121 |
| Efficiency ratio | 57.3534% | 5,759 |
| Assets per employee ($millions) | 4.5705% | 2,767 |
| Cash dividends to net income (ytd only)* | 46.1420% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,252 |
| Loan loss allowance to noncurrent loans | 210.9377% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 5,326 |
| Noncurrent loans to loans | 0.5313% | 4,866 |
| Net loans and leases to total assets | 62.1805% | 3,328 |
| Net loans and leases to deposits | 75.9405% | 2,972 |
| Net loans and leases to core deposits | 79.0567% | 3,220 |
| Total domestic deposits to total assets | 81.8806% | 4,965 |
| Equity capital to assets | 8.8318% | 5,382 |
| Core capital (leverage) ratio | 8.2206% | 6,042 |
| Tier 1 risk-based capital ratio | 11.3456% | 6,131 |
| Total risk-based capital ratio | 12.3469% | 6,201 |
| Memoranda: | ||
| Average total assets | $2,006,858,750 | 358 |
| Average earning assets | $1,850,183,500 | 345 |
| Average equity | $182,336,250 | 421 |
| Average total loans | $1,248,357,250 | 355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 4,053 |
| Cost of funding earning assets | 0.3277% | 5,587 |
| Net interest margin | 3.6841% | 3,016 |
| Noninterest income to average assets | 1.0960% | 1,265 |
| Noninterest expense to average assets | 2.6343% | 4,267 |
| Loan and lease loss provision to assets | 0.0151% | 4,591 |
| Net operating income to assets | 1.2207% | 1,539 |
| Return on assets (ROA) | 1.2923% | 1,435 |
| Pretax return on assets | 1.9481% | 674 |
| Return on Equity (ROE) | 14.0886% | 993 |
| Retained earnings to average equity (ytd only) | 4.2364% | 3,599 |
| Net charge-offs to loans | 0.0659% | 3,764 |
| Credit loss provision to net charge-offs | 36.8550% | 3,474 |
| Earnings coverage of net charge-offs (x) | 45.3833% | 850 |
| Efficiency ratio | 57.0841% | 5,843 |
| Assets per employee ($millions) | 4.3556% | 3,088 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,939 |
| Loan loss allowance to noncurrent loans | 177.3942% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 4,997 |
| Noncurrent loans to loans | 0.6816% | 4,571 |
| Net loans and leases to total assets | 62.2450% | 3,247 |
| Net loans and leases to deposits | 75.3348% | 2,967 |
| Net loans and leases to core deposits | 78.1036% | 3,271 |
| Total domestic deposits to total assets | 82.6245% | 4,846 |
| Equity capital to assets | 8.7899% | 5,453 |
| Core capital (leverage) ratio | 8.0015% | 6,185 |
| Tier 1 risk-based capital ratio | 11.1218% | 6,283 |
| Total risk-based capital ratio | 12.2034% | 6,326 |
| Memoranda: | ||
| Average total assets | $1,991,764,670 | 360 |
| Average earning assets | $1,834,443,000 | 348 |
| Average equity | $182,701,000 | 418 |
| Average total loans | $1,234,311,000 | 359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,966 |
| Cost of funding earning assets | 0.3468% | 5,565 |
| Net interest margin | 3.6898% | 2,896 |
| Noninterest income to average assets | 1.0643% | 1,314 |
| Noninterest expense to average assets | 2.6957% | 4,080 |
| Loan and lease loss provision to assets | 0.0705% | 3,453 |
| Net operating income to assets | 1.1349% | 1,729 |
| Return on assets (ROA) | 1.2188% | 1,587 |
| Pretax return on assets | 1.8007% | 884 |
| Return on Equity (ROE) | 13.0133% | 1,169 |
| Retained earnings to average equity (ytd only) | 13.0133% | 562 |
| Net charge-offs to loans | 0.0446% | 3,402 |
| Credit loss provision to net charge-offs | 257.3529% | 903 |
| Earnings coverage of net charge-offs (x) | 63.8015% | 559 |
| Efficiency ratio | 59.0027% | 5,718 |
| Assets per employee ($millions) | 4.4530% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,755 |
| Loan loss allowance to noncurrent loans | 158.2261% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 4,907 |
| Noncurrent loans to loans | 0.8157% | 4,488 |
| Net loans and leases to total assets | 60.9974% | 3,248 |
| Net loans and leases to deposits | 71.4021% | 3,262 |
| Net loans and leases to core deposits | 73.8016% | 3,606 |
| Total domestic deposits to total assets | 85.4281% | 3,828 |
| Equity capital to assets | 9.5249% | 4,815 |
| Core capital (leverage) ratio | 8.1859% | 5,942 |
| Tier 1 risk-based capital ratio | 11.5163% | 6,180 |
| Total risk-based capital ratio | 12.6574% | 6,208 |
| Memoranda: | ||
| Average total assets | $1,985,851,000 | 367 |
| Average earning assets | $1,818,658,500 | 352 |
| Average equity | $185,995,000 | 418 |
| Average total loans | $1,220,267,000 | 363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 3,994 |
| Cost of funding earning assets | 0.4940% | 5,261 |
| Net interest margin | 3.8644% | 2,973 |
| Noninterest income to average assets | 1.0384% | 1,439 |
| Noninterest expense to average assets | 2.6191% | 4,677 |
| Loan and lease loss provision to assets | 0.1248% | 4,056 |
| Net operating income to assets | 1.2384% | 1,481 |
| Return on assets (ROA) | 1.2970% | 1,460 |
| Pretax return on assets | 1.9175% | 721 |
| Return on Equity (ROE) | 13.6736% | 1,063 |
| Retained earnings to average equity (ytd only) | 4.1300% | 3,322 |
| Net charge-offs to loans | 0.1898% | 3,859 |
| Credit loss provision to net charge-offs | 109.4374% | 2,679 |
| Earnings coverage of net charge-offs (x) | 17.1556% | 1,524 |
| Efficiency ratio | 55.3754% | 6,129 |
| Assets per employee ($millions) | 4.5535% | 2,876 |
| Cash dividends to net income (ytd only)* | 69.7962% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,780 |
| Loan loss allowance to noncurrent loans | 149.8503% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 4,970 |
| Noncurrent loans to loans | 0.8479% | 4,491 |
| Net loans and leases to total assets | 60.3293% | 3,545 |
| Net loans and leases to deposits | 72.1714% | 3,386 |
| Net loans and leases to core deposits | 73.8573% | 3,799 |
| Total domestic deposits to total assets | 83.5916% | 4,501 |
| Equity capital to assets | 9.2092% | 5,257 |
| Core capital (leverage) ratio | 7.9135% | 6,274 |
| Tier 1 risk-based capital ratio | 10.7385% | 6,458 |
| Total risk-based capital ratio | 11.8322% | 6,491 |
| Memoranda: | ||
| Average total assets | $1,933,080,000 | 363 |
| Average earning assets | $1,769,101,400 | 350 |
| Average equity | $183,367,800 | 403 |
| Average total loans | $1,161,413,400 | 377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 4,026 |
| Cost of funding earning assets | 0.5258% | 5,269 |
| Net interest margin | 3.8791% | 2,986 |
| Noninterest income to average assets | 1.0479% | 1,383 |
| Noninterest expense to average assets | 2.5990% | 4,745 |
| Loan and lease loss provision to assets | 0.1197% | 4,052 |
| Net operating income to assets | 1.2768% | 1,500 |
| Return on assets (ROA) | 1.3090% | 1,560 |
| Pretax return on assets | 1.9430% | 789 |
| Return on Equity (ROE) | 13.6957% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.6895% | 2,902 |
| Net charge-offs to loans | 0.1292% | 4,088 |
| Credit loss provision to net charge-offs | 154.9055% | 1,820 |
| Earnings coverage of net charge-offs (x) | 26.0656% | 1,226 |
| Efficiency ratio | 54.4203% | 6,211 |
| Assets per employee ($millions) | 4.6131% | 2,728 |
| Cash dividends to net income (ytd only)* | 58.4578% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 4,608 |
| Loan loss allowance to noncurrent loans | 131.1100% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 4,930 |
| Noncurrent loans to loans | 1.0256% | 4,402 |
| Net loans and leases to total assets | 59.7258% | 3,832 |
| Net loans and leases to deposits | 70.9984% | 3,754 |
| Net loans and leases to core deposits | 73.1626% | 4,090 |
| Total domestic deposits to total assets | 84.1227% | 4,161 |
| Equity capital to assets | 9.5533% | 5,138 |
| Core capital (leverage) ratio | 8.0177% | 6,315 |
| Tier 1 risk-based capital ratio | 11.4037% | 6,289 |
| Total risk-based capital ratio | 12.5962% | 6,295 |
| Memoranda: | ||
| Average total assets | $1,916,598,000 | 370 |
| Average earning assets | $1,761,707,000 | 356 |
| Average equity | $183,186,500 | 402 |
| Average total loans | $1,146,390,000 | 383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 3,774 |
| Cost of funding earning assets | 0.5650% | 5,186 |
| Net interest margin | 3.9328% | 2,777 |
| Noninterest income to average assets | 0.9999% | 1,466 |
| Noninterest expense to average assets | 2.6003% | 4,779 |
| Loan and lease loss provision to assets | 0.1136% | 4,109 |
| Net operating income to assets | 1.2763% | 1,499 |
| Return on assets (ROA) | 1.2829% | 1,641 |
| Pretax return on assets | 1.9030% | 840 |
| Return on Equity (ROE) | 13.4203% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.0238% | 1,266 |
| Net charge-offs to loans | 0.1237% | 3,937 |
| Credit loss provision to net charge-offs | 154.2083% | 1,799 |
| Earnings coverage of net charge-offs (x) | 27.2454% | 1,138 |
| Efficiency ratio | 54.4689% | 6,275 |
| Assets per employee ($millions) | 4.5287% | 2,846 |
| Cash dividends to net income (ytd only)* | 32.7600% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,606 |
| Loan loss allowance to noncurrent loans | 116.2629% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 4,536 |
| Noncurrent loans to loans | 1.1710% | 4,198 |
| Net loans and leases to total assets | 58.6536% | 4,053 |
| Net loans and leases to deposits | 69.9663% | 3,902 |
| Net loans and leases to core deposits | 71.4000% | 4,370 |
| Total domestic deposits to total assets | 83.8311% | 4,387 |
| Equity capital to assets | 9.6011% | 4,913 |
| Core capital (leverage) ratio | 8.0611% | 6,208 |
| Tier 1 risk-based capital ratio | 11.6214% | 6,159 |
| Total risk-based capital ratio | 12.8192% | 6,162 |
| Memoranda: | ||
| Average total assets | $1,903,481,330 | 373 |
| Average earning assets | $1,745,864,330 | 363 |
| Average equity | $181,962,670 | 407 |
| Average total loans | $1,133,811,000 | 385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 3,595 |
| Cost of funding earning assets | 0.5956% | 5,172 |
| Net interest margin | 3.9840% | 2,575 |
| Noninterest income to average assets | 1.0118% | 1,398 |
| Noninterest expense to average assets | 2.6451% | 4,644 |
| Loan and lease loss provision to assets | 0.1463% | 3,534 |
| Net operating income to assets | 1.2510% | 1,598 |
| Return on assets (ROA) | 1.2536% | 1,764 |
| Pretax return on assets | 1.8616% | 945 |
| Return on Equity (ROE) | 13.1431% | 1,371 |
| Retained earnings to average equity (ytd only) | 13.1431% | 664 |
| Net charge-offs to loans | 0.0840% | 3,664 |
| Credit loss provision to net charge-offs | 292.3729% | 1,010 |
| Earnings coverage of net charge-offs (x) | 40.0424% | 749 |
| Efficiency ratio | 54.8764% | 6,245 |
| Assets per employee ($millions) | 4.5691% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,493 |
| Loan loss allowance to noncurrent loans | 99.3322% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 4,526 |
| Noncurrent loans to loans | 1.4346% | 3,958 |
| Net loans and leases to total assets | 57.2411% | 4,174 |
| Net loans and leases to deposits | 67.1456% | 4,205 |
| Net loans and leases to core deposits | 68.5827% | 4,613 |
| Total domestic deposits to total assets | 85.2492% | 3,911 |
| Equity capital to assets | 9.6092% | 4,638 |
| Core capital (leverage) ratio | 8.1470% | 6,097 |
| Tier 1 risk-based capital ratio | 11.8925% | 6,031 |
| Total risk-based capital ratio | 13.1425% | 6,019 |
| Memoranda: | ||
| Average total assets | $1,886,079,500 | 373 |
| Average earning assets | $1,722,003,000 | 361 |
| Average equity | $179,896,000 | 411 |
| Average total loans | $1,124,434,000 | 382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 2,679 |
| Cost of funding earning assets | 0.8804% | 4,249 |
| Net interest margin | 4.1653% | 2,175 |
| Noninterest income to average assets | 1.0669% | 1,176 |
| Noninterest expense to average assets | 2.8919% | 3,988 |
| Loan and lease loss provision to assets | 0.3923% | 2,637 |
| Net operating income to assets | 1.1110% | 1,790 |
| Return on assets (ROA) | 1.1942% | 1,634 |
| Pretax return on assets | 1.7185% | 953 |
| Return on Equity (ROE) | 12.2414% | 1,348 |
| Retained earnings to average equity (ytd only) | -1.0638% | 6,016 |
| Net charge-offs to loans | 0.4444% | 3,213 |
| Credit loss provision to net charge-offs | 141.5193% | 2,064 |
| Earnings coverage of net charge-offs (x) | 7.1802% | 2,384 |
| Efficiency ratio | 56.9229% | 6,198 |
| Assets per employee ($millions) | 4.4768% | 2,952 |
| Cash dividends to net income (ytd only)* | 108.6904% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 4,710 |
| Loan loss allowance to noncurrent loans | 85.7479% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 4,453 |
| Noncurrent loans to loans | 1.5630% | 3,821 |
| Net loans and leases to total assets | 60.3782% | 3,924 |
| Net loans and leases to deposits | 71.4210% | 3,882 |
| Net loans and leases to core deposits | 72.9630% | 4,382 |
| Total domestic deposits to total assets | 84.5385% | 4,071 |
| Equity capital to assets | 9.4656% | 4,935 |
| Core capital (leverage) ratio | 7.7243% | 6,519 |
| Tier 1 risk-based capital ratio | 10.9675% | 6,471 |
| Total risk-based capital ratio | 12.1401% | 6,488 |
| Memoranda: | ||
| Average total assets | $1,733,474,000 | 386 |
| Average earning assets | $1,587,837,600 | 373 |
| Average equity | $169,106,200 | 420 |
| Average total loans | $1,081,191,200 | 389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 2,509 |
| Cost of funding earning assets | 0.9307% | 4,191 |
| Net interest margin | 4.1908% | 2,139 |
| Noninterest income to average assets | 1.0874% | 1,133 |
| Noninterest expense to average assets | 2.9588% | 3,710 |
| Loan and lease loss provision to assets | 0.3059% | 3,084 |
| Net operating income to assets | 1.1482% | 1,819 |
| Return on assets (ROA) | 1.1482% | 1,936 |
| Pretax return on assets | 1.6802% | 1,184 |
| Return on Equity (ROE) | 11.6747% | 1,626 |
| Retained earnings to average equity (ytd only) | 1.7072% | 5,288 |
| Net charge-offs to loans | 0.2566% | 3,827 |
| Credit loss provision to net charge-offs | 190.1511% | 1,530 |
| Earnings coverage of net charge-offs (x) | 12.3476% | 1,715 |
| Efficiency ratio | 57.4650% | 6,086 |
| Assets per employee ($millions) | 4.5810% | 2,790 |
| Cash dividends to net income (ytd only)* | 85.3767% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 4,772 |
| Loan loss allowance to noncurrent loans | 105.8265% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 4,893 |
| Noncurrent loans to loans | 1.2766% | 4,398 |
| Net loans and leases to total assets | 59.3942% | 4,256 |
| Net loans and leases to deposits | 70.5919% | 4,203 |
| Net loans and leases to core deposits | 72.8069% | 4,608 |
| Total domestic deposits to total assets | 84.1374% | 4,163 |
| Equity capital to assets | 9.9021% | 4,474 |
| Core capital (leverage) ratio | 8.1994% | 6,134 |
| Tier 1 risk-based capital ratio | 11.6458% | 6,142 |
| Total risk-based capital ratio | 12.8485% | 6,162 |
| Memoranda: | ||
| Average total assets | $1,700,132,000 | 395 |
| Average earning assets | $1,564,923,000 | 383 |
| Average equity | $167,206,000 | 432 |
| Average total loans | $1,065,869,500 | 400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 1,940 |
| Cost of funding earning assets | 0.9993% | 3,951 |
| Net interest margin | 4.2841% | 1,724 |
| Noninterest income to average assets | 1.1325% | 1,008 |
| Noninterest expense to average assets | 3.1330% | 3,134 |
| Loan and lease loss provision to assets | 0.3160% | 2,898 |
| Net operating income to assets | 1.1201% | 1,818 |
| Return on assets (ROA) | 1.1201% | 1,898 |
| Pretax return on assets | 1.6279% | 1,205 |
| Return on Equity (ROE) | 11.4188% | 1,666 |
| Retained earnings to average equity (ytd only) | -4.0706% | 6,478 |
| Net charge-offs to loans | 0.2172% | 3,830 |
| Credit loss provision to net charge-offs | 228.6719% | 1,317 |
| Earnings coverage of net charge-offs (x) | 14.0651% | 1,503 |
| Efficiency ratio | 59.2803% | 5,984 |
| Assets per employee ($millions) | 4.3413% | 3,095 |
| Cash dividends to net income (ytd only)* | 135.6484% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,934 |
| Loan loss allowance to noncurrent loans | 82.5099% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,666 |
| Noncurrent loans to loans | 1.6097% | 3,978 |
| Net loans and leases to total assets | 60.5105% | 4,180 |
| Net loans and leases to deposits | 71.2356% | 4,250 |
| Net loans and leases to core deposits | 73.3167% | 4,664 |
| Total domestic deposits to total assets | 84.9442% | 3,899 |
| Equity capital to assets | 9.6867% | 4,556 |
| Core capital (leverage) ratio | 7.9936% | 6,307 |
| Tier 1 risk-based capital ratio | 11.3805% | 6,266 |
| Total risk-based capital ratio | 12.5737% | 6,293 |
| Memoranda: | ||
| Average total assets | $1,645,347,000 | 409 |
| Average earning assets | $1,514,864,670 | 397 |
| Average equity | $161,400,000 | 448 |
| Average total loans | $1,046,971,670 | 415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4295% | 1,479 |
| Cost of funding earning assets | 1.0750% | 3,693 |
| Net interest margin | 4.3544% | 1,413 |
| Noninterest income to average assets | 1.2687% | 790 |
| Noninterest expense to average assets | 3.5005% | 1,999 |
| Loan and lease loss provision to assets | 0.3332% | 2,564 |
| Net operating income to assets | 1.0203% | 2,104 |
| Return on assets (ROA) | 1.0203% | 2,156 |
| Pretax return on assets | 1.4453% | 1,612 |
| Return on Equity (ROE) | 10.3262% | 1,985 |
| Retained earnings to average equity (ytd only) | -2.6432% | 6,245 |
| Net charge-offs to loans | 0.1751% | 3,442 |
| Credit loss provision to net charge-offs | 292.7928% | 1,099 |
| Earnings coverage of net charge-offs (x) | 15.6284% | 1,308 |
| Efficiency ratio | 63.8006% | 5,393 |
| Assets per employee ($millions) | 4.3463% | 3,141 |
| Cash dividends to net income (ytd only)* | 125.5966% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 5,186 |
| Loan loss allowance to noncurrent loans | 71.5772% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 4,319 |
| Noncurrent loans to loans | 1.8018% | 3,825 |
| Net loans and leases to total assets | 61.7803% | 3,902 |
| Net loans and leases to deposits | 72.5755% | 3,977 |
| Net loans and leases to core deposits | 74.3295% | 4,505 |
| Total domestic deposits to total assets | 85.1256% | 3,977 |
| Equity capital to assets | 9.8262% | 4,000 |
| Core capital (leverage) ratio | 8.3618% | 5,698 |
| Tier 1 risk-based capital ratio | 11.6982% | 5,941 |
| Total risk-based capital ratio | 12.8597% | 5,998 |
| Memoranda: | ||
| Average total assets | $1,560,686,500 | 439 |
| Average earning assets | $1,437,339,000 | 424 |
| Average equity | $154,209,500 | 460 |
| Average total loans | $1,014,035,500 | 433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 2,951 |
| Cost of funding earning assets | 1.1374% | 4,922 |
| Net interest margin | 4.1995% | 2,189 |
| Noninterest income to average assets | 1.2885% | 884 |
| Noninterest expense to average assets | 3.0921% | 3,487 |
| Loan and lease loss provision to assets | 0.4000% | 3,714 |
| Net operating income to assets | 1.1366% | 1,590 |
| Return on assets (ROA) | 1.1366% | 1,668 |
| Pretax return on assets | 1.6620% | 1,019 |
| Return on Equity (ROE) | 10.7230% | 1,676 |
| Retained earnings to average equity (ytd only) | 0.6104% | 5,273 |
| Net charge-offs to loans | 0.3224% | 4,402 |
| Credit loss provision to net charge-offs | 178.6936% | 1,852 |
| Earnings coverage of net charge-offs (x) | 9.2110% | 1,852 |
| Efficiency ratio | 58.6580% | 6,254 |
| Assets per employee ($millions) | 3.8035% | 4,249 |
| Cash dividends to net income (ytd only)* | 94.3078% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,359 |
| Loan loss allowance to noncurrent loans | 122.9186% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 5,115 |
| Noncurrent loans to loans | 1.1661% | 4,771 |
| Net loans and leases to total assets | 67.0669% | 3,203 |
| Net loans and leases to deposits | 83.5678% | 2,518 |
| Net loans and leases to core deposits | 85.9204% | 3,329 |
| Total domestic deposits to total assets | 80.2546% | 5,768 |
| Equity capital to assets | 9.9512% | 3,808 |
| Core capital (leverage) ratio | 8.7445% | 4,954 |
| Tier 1 risk-based capital ratio | 11.9438% | 5,525 |
| Total risk-based capital ratio | 13.1948% | 5,503 |
| Memoranda: | ||
| Average total assets | $1,306,103,000 | 518 |
| Average earning assets | $1,202,297,800 | 505 |
| Average equity | $138,440,200 | 498 |
| Average total loans | $906,971,600 | 495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 3,004 |
| Cost of funding earning assets | 1.1751% | 5,006 |
| Net interest margin | 4.1990% | 2,219 |
| Noninterest income to average assets | 1.3143% | 797 |
| Noninterest expense to average assets | 3.1243% | 3,220 |
| Loan and lease loss provision to assets | 0.4001% | 3,505 |
| Net operating income to assets | 1.1294% | 1,797 |
| Return on assets (ROA) | 1.1294% | 1,909 |
| Pretax return on assets | 1.6511% | 1,214 |
| Return on Equity (ROE) | 10.4858% | 1,946 |
| Retained earnings to average equity (ytd only) | 1.8579% | 5,031 |
| Net charge-offs to loans | 0.4720% | 3,389 |
| Credit loss provision to net charge-offs | 121.4353% | 3,387 |
| Earnings coverage of net charge-offs (x) | 6.2253% | 2,568 |
| Efficiency ratio | 58.9171% | 6,120 |
| Assets per employee ($millions) | 3.7051% | 4,498 |
| Cash dividends to net income (ytd only)* | 82.2819% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 5,154 |
| Loan loss allowance to noncurrent loans | 103.4666% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 5,060 |
| Noncurrent loans to loans | 1.2195% | 4,810 |
| Net loans and leases to total assets | 67.8855% | 3,246 |
| Net loans and leases to deposits | 83.9206% | 2,719 |
| Net loans and leases to core deposits | 85.8715% | 3,678 |
| Total domestic deposits to total assets | 80.8926% | 5,415 |
| Equity capital to assets | 10.4356% | 3,592 |
| Core capital (leverage) ratio | 9.1164% | 4,507 |
| Tier 1 risk-based capital ratio | 12.1939% | 5,277 |
| Total risk-based capital ratio | 13.3789% | 5,298 |
| Memoranda: | ||
| Average total assets | $1,291,265,000 | 520 |
| Average earning assets | $1,187,374,500 | 510 |
| Average equity | $139,080,500 | 490 |
| Average total loans | $901,443,000 | 497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 3,040 |
| Cost of funding earning assets | 1.2049% | 5,100 |
| Net interest margin | 4.1805% | 2,218 |
| Noninterest income to average assets | 1.3074% | 745 |
| Noninterest expense to average assets | 3.1384% | 3,156 |
| Loan and lease loss provision to assets | 0.3930% | 3,358 |
| Net operating income to assets | 1.1147% | 1,803 |
| Return on assets (ROA) | 1.1147% | 1,873 |
| Pretax return on assets | 1.6215% | 1,243 |
| Return on Equity (ROE) | 10.2363% | 2,012 |
| Retained earnings to average equity (ytd only) | 3.0175% | 4,195 |
| Net charge-offs to loans | 0.6055% | 2,718 |
| Credit loss provision to net charge-offs | 92.4898% | 4,348 |
| Earnings coverage of net charge-offs (x) | 4.7407% | 2,862 |
| Efficiency ratio | 59.4856% | 6,147 |
| Assets per employee ($millions) | 3.7049% | 4,457 |
| Cash dividends to net income (ytd only)* | 70.5219% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,601 |
| Loan loss allowance to noncurrent loans | 122.7773% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 5,518 |
| Noncurrent loans to loans | 0.9534% | 5,398 |
| Net loans and leases to total assets | 68.4444% | 3,260 |
| Net loans and leases to deposits | 86.3962% | 2,445 |
| Net loans and leases to core deposits | 88.6261% | 3,466 |
| Total domestic deposits to total assets | 79.2215% | 5,972 |
| Equity capital to assets | 10.5194% | 3,384 |
| Core capital (leverage) ratio | 9.3578% | 4,028 |
| Tier 1 risk-based capital ratio | 12.3214% | 5,021 |
| Total risk-based capital ratio | 13.4289% | 5,122 |
| Memoranda: | ||
| Average total assets | $1,272,130,670 | 526 |
| Average earning assets | $1,170,196,670 | 515 |
| Average equity | $138,527,000 | 489 |
| Average total loans | $892,840,670 | 503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 2,782 |
| Cost of funding earning assets | 1.2201% | 5,280 |
| Net interest margin | 4.2396% | 1,895 |
| Noninterest income to average assets | 1.4659% | 553 |
| Noninterest expense to average assets | 3.2836% | 2,582 |
| Loan and lease loss provision to assets | 0.4834% | 2,565 |
| Net operating income to assets | 1.1137% | 1,786 |
| Return on assets (ROA) | 1.1137% | 1,869 |
| Pretax return on assets | 1.5967% | 1,274 |
| Return on Equity (ROE) | 10.0437% | 2,085 |
| Retained earnings to average equity (ytd only) | 10.0437% | 1,131 |
| Net charge-offs to loans | 0.8220% | 1,886 |
| Credit loss provision to net charge-offs | 83.1947% | 3,806 |
| Earnings coverage of net charge-offs (x) | 3.5801% | 2,859 |
| Efficiency ratio | 59.9099% | 6,190 |
| Assets per employee ($millions) | 3.6887% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,337 |
| Loan loss allowance to noncurrent loans | 115.1069% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 5,402 |
| Noncurrent loans to loans | 1.0682% | 5,211 |
| Net loans and leases to total assets | 69.0229% | 3,150 |
| Net loans and leases to deposits | 88.1926% | 2,189 |
| Net loans and leases to core deposits | 90.9593% | 3,236 |
| Total domestic deposits to total assets | 78.2639% | 6,251 |
| Equity capital to assets | 11.2115% | 2,577 |
| Core capital (leverage) ratio | 9.9939% | 3,169 |
| Tier 1 risk-based capital ratio | 13.0912% | 4,266 |
| Total risk-based capital ratio | 14.2359% | 4,316 |
| Memoranda: | ||
| Average total assets | $1,241,309,000 | 554 |
| Average earning assets | $1,141,235,500 | 542 |
| Average equity | $137,638,000 | 495 |
| Average total loans | $877,408,000 | 530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7233% | 2,995 |
| Cost of funding earning assets | 1.6011% | 5,018 |
| Net interest margin | 4.1222% | 2,355 |
| Noninterest income to average assets | 1.3273% | 848 |
| Noninterest expense to average assets | 3.2875% | 3,053 |
| Loan and lease loss provision to assets | 0.3095% | 4,968 |
| Net operating income to assets | 1.0811% | 1,565 |
| Return on assets (ROA) | 1.0811% | 1,614 |
| Pretax return on assets | 1.5168% | 1,146 |
| Return on Equity (ROE) | 10.3523% | 1,592 |
| Retained earnings to average equity (ytd only) | 4.0308% | 2,396 |
| Net charge-offs to loans | 0.2527% | 5,043 |
| Credit loss provision to net charge-offs | 166.2234% | 2,619 |
| Earnings coverage of net charge-offs (x) | 9.8098% | 1,753 |
| Efficiency ratio | 62.8207% | 5,994 |
| Assets per employee ($millions) | 3.7224% | 4,468 |
| Cash dividends to net income (ytd only)* | 61.0640% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,078 |
| Loan loss allowance to noncurrent loans | 129.7985% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 5,351 |
| Noncurrent loans to loans | 0.9606% | 5,387 |
| Net loans and leases to total assets | 70.6018% | 3,105 |
| Net loans and leases to deposits | 89.5094% | 2,299 |
| Net loans and leases to core deposits | 95.7232% | 4,492 |
| Total domestic deposits to total assets | 78.8763% | 6,013 |
| Equity capital to assets | 10.9636% | 2,735 |
| Core capital (leverage) ratio | 9.4996% | 3,724 |
| Tier 1 risk-based capital ratio | 12.4677% | 4,551 |
| Total risk-based capital ratio | 13.6232% | 4,584 |
| Memoranda: | ||
| Average total assets | $1,211,815,600 | 552 |
| Average earning assets | $1,113,136,000 | 543 |
| Average equity | $126,552,000 | 527 |
| Average total loans | $892,819,400 | 536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 3,037 |
| Cost of funding earning assets | 1.6551% | 5,137 |
| Net interest margin | 4.1111% | 2,352 |
| Noninterest income to average assets | 1.3273% | 870 |
| Noninterest expense to average assets | 3.2864% | 2,969 |
| Loan and lease loss provision to assets | 0.3317% | 4,351 |
| Net operating income to assets | 1.0375% | 1,945 |
| Return on assets (ROA) | 1.0375% | 2,005 |
| Pretax return on assets | 1.4868% | 1,454 |
| Return on Equity (ROE) | 10.0632% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.8458% | 1,572 |
| Net charge-offs to loans | 0.2583% | 4,440 |
| Credit loss provision to net charge-offs | 173.0104% | 2,679 |
| Earnings coverage of net charge-offs (x) | 9.4844% | 2,102 |
| Efficiency ratio | 62.9115% | 5,945 |
| Assets per employee ($millions) | 3.6493% | 4,545 |
| Cash dividends to net income (ytd only)* | 31.9727% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 5,081 |
| Loan loss allowance to noncurrent loans | 139.5060% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 5,387 |
| Noncurrent loans to loans | 0.8635% | 5,565 |
| Net loans and leases to total assets | 72.1572% | 2,997 |
| Net loans and leases to deposits | 91.7204% | 2,285 |
| Net loans and leases to core deposits | 98.9036% | 4,498 |
| Total domestic deposits to total assets | 78.6708% | 5,907 |
| Equity capital to assets | 11.2036% | 2,831 |
| Core capital (leverage) ratio | 9.8922% | 3,409 |
| Tier 1 risk-based capital ratio | 12.5211% | 4,526 |
| Total risk-based capital ratio | 13.6475% | 4,573 |
| Memoranda: | ||
| Average total assets | $1,205,814,000 | 569 |
| Average earning assets | $1,107,991,000 | 559 |
| Average equity | $124,317,250 | 547 |
| Average total loans | $895,142,250 | 549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 3,207 |
| Cost of funding earning assets | 1.7321% | 5,110 |
| Net interest margin | 4.0351% | 2,555 |
| Noninterest income to average assets | 1.3311% | 868 |
| Noninterest expense to average assets | 3.3499% | 2,791 |
| Loan and lease loss provision to assets | 0.2919% | 4,234 |
| Net operating income to assets | 0.9706% | 2,206 |
| Return on assets (ROA) | 0.9706% | 2,301 |
| Pretax return on assets | 1.3966% | 1,739 |
| Return on Equity (ROE) | 9.7012% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.6997% | 2,686 |
| Net charge-offs to loans | 0.2183% | 4,135 |
| Credit loss provision to net charge-offs | 179.1198% | 2,555 |
| Earnings coverage of net charge-offs (x) | 10.3613% | 2,003 |
| Efficiency ratio | 65.0235% | 5,716 |
| Assets per employee ($millions) | 3.5367% | 4,716 |
| Cash dividends to net income (ytd only)* | 51.5553% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,369 |
| Loan loss allowance to noncurrent loans | 139.8017% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 5,379 |
| Noncurrent loans to loans | 0.8113% | 5,603 |
| Net loans and leases to total assets | 73.7624% | 2,769 |
| Net loans and leases to deposits | 93.3504% | 2,201 |
| Net loans and leases to core deposits | 100.8052% | 4,424 |
| Total domestic deposits to total assets | 79.0167% | 5,810 |
| Equity capital to assets | 10.8367% | 3,073 |
| Core capital (leverage) ratio | 9.8342% | 3,473 |
| Tier 1 risk-based capital ratio | 12.1429% | 4,805 |
| Total risk-based capital ratio | 13.2194% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,199,030,330 | 584 |
| Average earning assets | $1,101,644,670 | 574 |
| Average equity | $119,964,670 | 570 |
| Average total loans | $895,005,000 | 559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8024% | 3,288 |
| Cost of funding earning assets | 1.8649% | 4,810 |
| Net interest margin | 3.9374% | 2,897 |
| Noninterest income to average assets | 1.3984% | 720 |
| Noninterest expense to average assets | 3.3455% | 2,513 |
| Loan and lease loss provision to assets | 0.2521% | 3,955 |
| Net operating income to assets | 0.9753% | 2,417 |
| Return on assets (ROA) | 0.9753% | 2,543 |
| Pretax return on assets | 1.4158% | 1,921 |
| Return on Equity (ROE) | 10.1800% | 2,252 |
| Retained earnings to average equity (ytd only) | -0.3438% | 5,726 |
| Net charge-offs to loans | 0.1026% | 4,151 |
| Credit loss provision to net charge-offs | 328.9474% | 1,513 |
| Earnings coverage of net charge-offs (x) | 21.7675% | 1,328 |
| Efficiency ratio | 65.2500% | 5,460 |
| Assets per employee ($millions) | 3.4598% | 4,917 |
| Cash dividends to net income (ytd only)* | 103.3770% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,211 |
| Loan loss allowance to noncurrent loans | 121.9376% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,979 |
| Noncurrent loans to loans | 0.9321% | 5,134 |
| Net loans and leases to total assets | 72.9828% | 3,006 |
| Net loans and leases to deposits | 91.4599% | 2,700 |
| Net loans and leases to core deposits | 99.3976% | 4,600 |
| Total domestic deposits to total assets | 79.7976% | 5,430 |
| Equity capital to assets | 9.5807% | 4,555 |
| Core capital (leverage) ratio | 8.3485% | 5,819 |
| Tier 1 risk-based capital ratio | 10.4928% | 6,404 |
| Total risk-based capital ratio | 11.5699% | 6,498 |
| Memoranda: | ||
| Average total assets | $1,190,240,000 | 590 |
| Average earning assets | $1,092,796,500 | 581 |
| Average equity | $114,027,000 | 587 |
| Average total loans | $888,659,000 | 568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4484% | 3,194 |
| Cost of funding earning assets | 2.4709% | 4,362 |
| Net interest margin | 3.9774% | 3,226 |
| Noninterest income to average assets | 1.5463% | 590 |
| Noninterest expense to average assets | 3.1080% | 3,666 |
| Loan and lease loss provision to assets | 0.3436% | 3,646 |
| Net operating income to assets | 1.1356% | 2,007 |
| Return on assets (ROA) | 1.1951% | 1,719 |
| Pretax return on assets | 1.7859% | 975 |
| Return on Equity (ROE) | 12.6344% | 1,417 |
| Retained earnings to average equity (ytd only) | 0.7985% | 4,742 |
| Net charge-offs to loans | 0.2848% | 3,503 |
| Credit loss provision to net charge-offs | 158.8376% | 3,255 |
| Earnings coverage of net charge-offs (x) | 9.4327% | 2,684 |
| Efficiency ratio | 58.8779% | 6,548 |
| Assets per employee ($millions) | 3.4005% | 4,941 |
| Cash dividends to net income (ytd only)* | 93.6802% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,513 |
| Loan loss allowance to noncurrent loans | 114.0359% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 4,700 |
| Noncurrent loans to loans | 0.9344% | 4,742 |
| Net loans and leases to total assets | 74.7076% | 2,939 |
| Net loans and leases to deposits | 93.7448% | 2,814 |
| Net loans and leases to core deposits | 101.1669% | 4,707 |
| Total domestic deposits to total assets | 79.6925% | 5,134 |
| Equity capital to assets | 9.5796% | 4,576 |
| Core capital (leverage) ratio | 8.2882% | 5,975 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,402 |
| Total risk-based capital ratio | 11.3213% | 6,541 |
| Memoranda: | ||
| Average total assets | $1,161,127,400 | 573 |
| Average earning assets | $1,051,630,800 | 578 |
| Average equity | $109,835,400 | 615 |
| Average total loans | $882,064,200 | 557 |