Home > Heartland Bank and Trust Company > Performance and Condition Ratios
Heartland Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 2,065 |
| Cost of funding earning assets | 0.7107% | 3,917 |
| Net interest margin | 4.2912% | 826 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.5795% | 2,074 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.5346% | 957 |
| Return on assets (ROA) | 1.5052% | 979 |
| Pretax return on assets | 2.0282% | 641 |
| Return on Equity (ROE) | 14.1400% | 1,456 |
| Retained earnings to average equity (ytd only) | 1.7773% | 3,633 |
| Net charge-offs to loans | 0.0057% | 2,491 |
| Credit loss provision to net charge-offs | 3,702.7778% | 138 |
| Earnings coverage of net charge-offs (x) | 600.1389% | 244 |
| Efficiency ratio | 52.5875% | 3,781 |
| Assets per employee ($millions) | 6.0065% | 2,821 |
| Cash dividends to net income (ytd only)* | 87.4329% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 2,435 |
| Loan loss allowance to noncurrent loans | 509.7111% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,387 |
| Noncurrent loans to loans | 0.2306% | 2,394 |
| Net loans and leases to total assets | 66.4100% | 2,211 |
| Net loans and leases to deposits | 76.1926% | 2,438 |
| Net loans and leases to core deposits | 81.0842% | 2,650 |
| Total domestic deposits to total assets | 87.1600% | 1,625 |
| Equity capital to assets | 11.1159% | 1,424 |
| Core capital (leverage) ratio | 10.9579% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9218% | 1,555 |
| Memoranda: | ||
| Average total assets | $4,863,224,000 | 278 |
| Average earning assets | $4,575,174,000 | 269 |
| Average equity | $517,586,800 | 255 |
| Average total loans | $3,165,621,200 | 292 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,991 |
| Cost of funding earning assets | 0.5775% | 4,011 |
| Net interest margin | 4.3554% | 746 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.6597% | 1,772 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5149% | 1,090 |
| Return on assets (ROA) | 1.4733% | 1,161 |
| Pretax return on assets | 1.9871% | 760 |
| Return on Equity (ROE) | 14.0100% | 1,651 |
| Retained earnings to average equity (ytd only) | 0.3082% | 4,067 |
| Net charge-offs to loans | -0.0127% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.4114% | 3,639 |
| Assets per employee ($millions) | 6.0390% | 2,715 |
| Cash dividends to net income (ytd only)* | 97.7995% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,565 |
| Loan loss allowance to noncurrent loans | 581.9557% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,482 |
| Noncurrent loans to loans | 0.1996% | 2,558 |
| Net loans and leases to total assets | 66.3100% | 2,217 |
| Net loans and leases to deposits | 78.5427% | 2,199 |
| Net loans and leases to core deposits | 82.8964% | 2,404 |
| Total domestic deposits to total assets | 84.4200% | 2,661 |
| Equity capital to assets | 10.7068% | 1,472 |
| Core capital (leverage) ratio | 10.8917% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7829% | 1,636 |
| Memoranda: | ||
| Average total assets | $4,811,667,250 | 283 |
| Average earning assets | $4,527,537,000 | 274 |
| Average equity | $506,105,250 | 261 |
| Average total loans | $3,105,342,750 | 298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 1,803 |
| Cost of funding earning assets | 0.3381% | 4,112 |
| Net interest margin | 4.3797% | 712 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.9051% | 1,227 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | 1.0800% | 2,284 |
| Return on assets (ROA) | 1.0143% | 2,453 |
| Pretax return on assets | 1.3439% | 2,042 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | -11.0429% | 4,493 |
| Net charge-offs to loans | -0.0154% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7875% | 3,095 |
| Assets per employee ($millions) | 6.9071% | 2,039 |
| Cash dividends to net income (ytd only)* | 212.2782% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,493 |
| Loan loss allowance to noncurrent loans | 594.9064% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,462 |
| Noncurrent loans to loans | 0.2036% | 2,456 |
| Net loans and leases to total assets | 63.1400% | 2,346 |
| Net loans and leases to deposits | 73.3323% | 2,356 |
| Net loans and leases to core deposits | 74.2330% | 2,661 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 10.6979% | 1,458 |
| Core capital (leverage) ratio | 11.0325% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0035% | 1,626 |
| Memoranda: | ||
| Average total assets | $4,644,472,000 | 290 |
| Average earning assets | $4,388,069,500 | 280 |
| Average equity | $478,968,000 | 274 |
| Average total loans | $2,910,769,000 | 304 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 2,434 |
| Cost of funding earning assets | 0.0859% | 4,453 |
| Net interest margin | 3.6535% | 1,486 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.2052% | 3,015 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.5759% | 728 |
| Return on assets (ROA) | 1.5696% | 706 |
| Pretax return on assets | 2.1228% | 364 |
| Return on Equity (ROE) | 15.5500% | 1,133 |
| Retained earnings to average equity (ytd only) | 9.0546% | 1,464 |
| Net charge-offs to loans | -0.0831% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.5793% | 4,092 |
| Assets per employee ($millions) | 6.0088% | 2,756 |
| Cash dividends to net income (ytd only)* | 41.7530% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,531 |
| Loan loss allowance to noncurrent loans | 1,100.9561% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,090 |
| Noncurrent loans to loans | 0.0878% | 3,130 |
| Net loans and leases to total assets | 60.7500% | 2,580 |
| Net loans and leases to deposits | 71.8726% | 2,417 |
| Net loans and leases to core deposits | 72.3919% | 2,694 |
| Total domestic deposits to total assets | 84.5300% | 3,095 |
| Equity capital to assets | 9.9767% | 1,716 |
| Core capital (leverage) ratio | 10.8688% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6158% | 1,450 |
| Memoranda: | ||
| Average total assets | $4,272,419,600 | 302 |
| Average earning assets | $4,090,630,000 | 288 |
| Average equity | $431,396,200 | 289 |
| Average total loans | $2,530,884,800 | 316 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 2,555 |
| Cost of funding earning assets | 0.0578% | 4,540 |
| Net interest margin | 3.4611% | 1,775 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.1222% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5121% | 830 |
| Return on assets (ROA) | 1.5035% | 820 |
| Pretax return on assets | 2.0349% | 436 |
| Return on Equity (ROE) | 14.8500% | 1,210 |
| Retained earnings to average equity (ytd only) | 9.2998% | 1,552 |
| Net charge-offs to loans | -0.0626% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.3895% | 4,137 |
| Assets per employee ($millions) | 5.9895% | 2,773 |
| Cash dividends to net income (ytd only)* | 37.3599% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,613 |
| Loan loss allowance to noncurrent loans | 776.3321% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 2,628 |
| Noncurrent loans to loans | 0.1250% | 3,019 |
| Net loans and leases to total assets | 60.7300% | 2,426 |
| Net loans and leases to deposits | 69.7506% | 2,388 |
| Net loans and leases to core deposits | 70.2262% | 2,624 |
| Total domestic deposits to total assets | 87.0700% | 2,740 |
| Equity capital to assets | 9.7767% | 1,740 |
| Core capital (leverage) ratio | 10.8310% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6014% | 1,536 |
| Memoranda: | ||
| Average total assets | $4,272,455,000 | 302 |
| Average earning assets | $4,093,677,000 | 288 |
| Average equity | $432,686,750 | 289 |
| Average total loans | $2,508,389,000 | 317 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 2,560 |
| Cost of funding earning assets | 0.0531% | 4,574 |
| Net interest margin | 3.3004% | 1,912 |
| Noninterest income to average assets | 0.8804% | 879 |
| Noninterest expense to average assets | 2.1176% | 3,100 |
| Loan and lease loss provision to assets | -0.0205% | 4,432 |
| Net operating income to assets | 1.4411% | 813 |
| Return on assets (ROA) | 1.4326% | 815 |
| Pretax return on assets | 1.9393% | 434 |
| Return on Equity (ROE) | 13.9879% | 1,117 |
| Retained earnings to average equity (ytd only) | 8.5295% | 1,426 |
| Net charge-offs to loans | -0.0996% | 4,441 |
| Credit loss provision to net charge-offs | 35.4891% | 1,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7588% | 4,146 |
| Assets per employee ($millions) | 5.9126% | 2,824 |
| Cash dividends to net income (ytd only)* | 39.0219% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,563 |
| Loan loss allowance to noncurrent loans | 716.3047% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,668 |
| Noncurrent loans to loans | 0.1405% | 3,004 |
| Net loans and leases to total assets | 57.6180% | 2,570 |
| Net loans and leases to deposits | 65.2828% | 2,607 |
| Net loans and leases to core deposits | 65.7081% | 2,846 |
| Total domestic deposits to total assets | 88.2590% | 2,477 |
| Equity capital to assets | 10.0709% | 1,676 |
| Core capital (leverage) ratio | 10.3911% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9339% | 1,451 |
| Memoranda: | ||
| Average total assets | $4,293,061,333 | 297 |
| Average earning assets | $4,119,491,667 | 289 |
| Average equity | $439,695,333 | 287 |
| Average total loans | $2,483,777,000 | 312 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2060% | 2,673 |
| Cost of funding earning assets | 0.0557% | 4,560 |
| Net interest margin | 3.1503% | 2,020 |
| Noninterest income to average assets | 0.9453% | 765 |
| Noninterest expense to average assets | 2.0901% | 3,175 |
| Loan and lease loss provision to assets | -0.0540% | 4,520 |
| Net operating income to assets | 1.4256% | 747 |
| Return on assets (ROA) | 1.4156% | 763 |
| Pretax return on assets | 1.9226% | 424 |
| Return on Equity (ROE) | 13.7102% | 887 |
| Retained earnings to average equity (ytd only) | 8.3407% | 1,475 |
| Net charge-offs to loans | -0.1852% | 4,587 |
| Credit loss provision to net charge-offs | 50.5190% | 1,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0604% | 4,195 |
| Assets per employee ($millions) | 6.0790% | 2,734 |
| Cash dividends to net income (ytd only)* | 39.1645% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,790 |
| Loan loss allowance to noncurrent loans | 982.6784% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,910 |
| Noncurrent loans to loans | 0.1002% | 3,337 |
| Net loans and leases to total assets | 56.7137% | 2,449 |
| Net loans and leases to deposits | 64.1905% | 2,510 |
| Net loans and leases to core deposits | 64.8356% | 2,730 |
| Total domestic deposits to total assets | 88.3522% | 2,359 |
| Equity capital to assets | 9.9527% | 1,930 |
| Core capital (leverage) ratio | 10.1336% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9543% | 1,530 |
| Memoranda: | ||
| Average total assets | $4,328,788,500 | 297 |
| Average earning assets | $4,157,937,000 | 291 |
| Average equity | $446,967,000 | 291 |
| Average total loans | $2,497,096,500 | 310 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 2,980 |
| Cost of funding earning assets | 0.0664% | 4,607 |
| Net interest margin | 3.3151% | 2,270 |
| Noninterest income to average assets | 0.9416% | 1,111 |
| Noninterest expense to average assets | 2.2182% | 3,015 |
| Loan and lease loss provision to assets | -0.2047% | 4,707 |
| Net operating income to assets | 1.5537% | 902 |
| Return on assets (ROA) | 1.5520% | 937 |
| Pretax return on assets | 2.1079% | 488 |
| Return on Equity (ROE) | 14.5314% | 1,062 |
| Retained earnings to average equity (ytd only) | 9.7847% | 974 |
| Net charge-offs to loans | -0.0077% | 3,661 |
| Credit loss provision to net charge-offs | 4,615.4286% | 156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1473% | 4,015 |
| Assets per employee ($millions) | 5.9218% | 2,847 |
| Cash dividends to net income (ytd only)* | 32.6653% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,912 |
| Loan loss allowance to noncurrent loans | 851.5119% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 2,947 |
| Noncurrent loans to loans | 0.1122% | 3,364 |
| Net loans and leases to total assets | 57.5422% | 2,421 |
| Net loans and leases to deposits | 65.9206% | 2,526 |
| Net loans and leases to core deposits | 67.0339% | 2,729 |
| Total domestic deposits to total assets | 87.2902% | 2,395 |
| Equity capital to assets | 10.7012% | 2,012 |
| Core capital (leverage) ratio | 10.1313% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9387% | 1,535 |
| Memoranda: | ||
| Average total assets | $3,944,917,800 | 303 |
| Average earning assets | $3,786,184,200 | 297 |
| Average equity | $421,343,000 | 303 |
| Average total loans | $2,272,880,200 | 328 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 3,159 |
| Cost of funding earning assets | 0.0666% | 4,705 |
| Net interest margin | 3.3140% | 2,375 |
| Noninterest income to average assets | 0.9628% | 1,130 |
| Noninterest expense to average assets | 2.2247% | 2,994 |
| Loan and lease loss provision to assets | -0.2503% | 4,794 |
| Net operating income to assets | 1.5938% | 1,052 |
| Return on assets (ROA) | 1.5923% | 1,096 |
| Pretax return on assets | 2.1650% | 590 |
| Return on Equity (ROE) | 14.9159% | 1,158 |
| Retained earnings to average equity (ytd only) | 14.9159% | 411 |
| Net charge-offs to loans | -0.0155% | 3,858 |
| Credit loss provision to net charge-offs | 2,814.7860% | 249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0508% | 3,915 |
| Assets per employee ($millions) | 5.7284% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,194 |
| Loan loss allowance to noncurrent loans | 447.5428% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 2,146 |
| Noncurrent loans to loans | 0.2576% | 2,901 |
| Net loans and leases to total assets | 54.1625% | 2,952 |
| Net loans and leases to deposits | 62.0820% | 3,030 |
| Net loans and leases to core deposits | 62.4928% | 3,266 |
| Total domestic deposits to total assets | 87.2435% | 2,246 |
| Equity capital to assets | 10.9323% | 2,064 |
| Core capital (leverage) ratio | 10.1696% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1727% | 1,319 |
| Memoranda: | ||
| Average total assets | $3,853,375,250 | 310 |
| Average earning assets | $3,695,837,250 | 302 |
| Average equity | $411,344,000 | 307 |
| Average total loans | $2,214,942,500 | 338 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3636% | 3,281 |
| Cost of funding earning assets | 0.0694% | 4,749 |
| Net interest margin | 3.2942% | 2,456 |
| Noninterest income to average assets | 1.0212% | 1,035 |
| Noninterest expense to average assets | 2.2695% | 2,851 |
| Loan and lease loss provision to assets | -0.2910% | 4,831 |
| Net operating income to assets | 1.6185% | 1,016 |
| Return on assets (ROA) | 1.6167% | 1,073 |
| Pretax return on assets | 2.1972% | 575 |
| Return on Equity (ROE) | 15.2708% | 1,092 |
| Retained earnings to average equity (ytd only) | 15.2708% | 398 |
| Net charge-offs to loans | -0.0211% | 4,024 |
| Credit loss provision to net charge-offs | 2,358.8983% | 259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6352% | 3,847 |
| Assets per employee ($millions) | 5.5808% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,780 |
| Loan loss allowance to noncurrent loans | 356.6124% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 2,073 |
| Noncurrent loans to loans | 0.3444% | 2,670 |
| Net loans and leases to total assets | 53.9467% | 3,135 |
| Net loans and leases to deposits | 61.6531% | 3,235 |
| Net loans and leases to core deposits | 62.0538% | 3,456 |
| Total domestic deposits to total assets | 87.5003% | 2,095 |
| Equity capital to assets | 10.6058% | 2,305 |
| Core capital (leverage) ratio | 9.8642% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2238% | 1,285 |
| Memoranda: | ||
| Average total assets | $3,826,021,000 | 310 |
| Average earning assets | $3,666,505,333 | 300 |
| Average equity | $405,047,333 | 309 |
| Average total loans | $2,234,458,667 | 335 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 3,227 |
| Cost of funding earning assets | 0.0722% | 4,787 |
| Net interest margin | 3.3166% | 2,341 |
| Noninterest income to average assets | 1.1446% | 926 |
| Noninterest expense to average assets | 2.3301% | 2,699 |
| Loan and lease loss provision to assets | -0.3619% | 4,886 |
| Net operating income to assets | 1.7269% | 898 |
| Return on assets (ROA) | 1.7225% | 954 |
| Pretax return on assets | 2.3535% | 554 |
| Return on Equity (ROE) | 16.2858% | 962 |
| Retained earnings to average equity (ytd only) | 16.2858% | 487 |
| Net charge-offs to loans | -0.0574% | 4,450 |
| Credit loss provision to net charge-offs | 1,044.4785% | 407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1365% | 3,893 |
| Assets per employee ($millions) | 5.3064% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,623 |
| Loan loss allowance to noncurrent loans | 314.4779% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 2,360 |
| Noncurrent loans to loans | 0.4005% | 2,667 |
| Net loans and leases to total assets | 58.3691% | 2,759 |
| Net loans and leases to deposits | 66.4872% | 2,866 |
| Net loans and leases to core deposits | 66.9044% | 3,162 |
| Total domestic deposits to total assets | 87.7900% | 1,952 |
| Equity capital to assets | 10.3003% | 2,433 |
| Core capital (leverage) ratio | 9.9138% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8961% | 1,601 |
| Memoranda: | ||
| Average total assets | $3,763,412,500 | 312 |
| Average earning assets | $3,611,573,500 | 304 |
| Average equity | $398,040,000 | 310 |
| Average total loans | $2,272,653,000 | 331 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 3,338 |
| Cost of funding earning assets | 0.1305% | 4,788 |
| Net interest margin | 3.6561% | 1,955 |
| Noninterest income to average assets | 1.0015% | 1,037 |
| Noninterest expense to average assets | 2.6071% | 2,529 |
| Loan and lease loss provision to assets | 0.3070% | 1,221 |
| Net operating income to assets | 1.1664% | 1,660 |
| Return on assets (ROA) | 1.1678% | 1,772 |
| Pretax return on assets | 1.5761% | 1,120 |
| Return on Equity (ROE) | 10.5440% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.9118% | 1,836 |
| Net charge-offs to loans | 0.0444% | 2,176 |
| Credit loss provision to net charge-offs | 1,060.6244% | 752 |
| Earnings coverage of net charge-offs (x) | 64.9899% | 1,027 |
| Efficiency ratio | 57.2864% | 3,818 |
| Assets per employee ($millions) | 4.9047% | 3,497 |
| Cash dividends to net income (ytd only)* | 43.9319% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,940 |
| Loan loss allowance to noncurrent loans | 301.6390% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 2,380 |
| Noncurrent loans to loans | 0.4667% | 2,568 |
| Net loans and leases to total assets | 60.8630% | 2,750 |
| Net loans and leases to deposits | 70.2756% | 2,853 |
| Net loans and leases to core deposits | 70.8660% | 3,187 |
| Total domestic deposits to total assets | 86.6061% | 2,109 |
| Equity capital to assets | 10.8679% | 2,372 |
| Core capital (leverage) ratio | 9.8232% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6297% | 1,647 |
| Memoranda: | ||
| Average total assets | $3,430,455,000 | 312 |
| Average earning assets | $3,271,662,800 | 303 |
| Average equity | $379,952,000 | 307 |
| Average total loans | $2,234,584,800 | 322 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,202 |
| Cost of funding earning assets | 0.1384% | 4,833 |
| Net interest margin | 3.7773% | 1,690 |
| Noninterest income to average assets | 0.9338% | 1,147 |
| Noninterest expense to average assets | 2.6743% | 2,330 |
| Loan and lease loss provision to assets | 0.4052% | 862 |
| Net operating income to assets | 1.0711% | 2,075 |
| Return on assets (ROA) | 1.0736% | 2,198 |
| Pretax return on assets | 1.4486% | 1,577 |
| Return on Equity (ROE) | 9.6045% | 2,165 |
| Retained earnings to average equity (ytd only) | 3.3576% | 3,369 |
| Net charge-offs to loans | 0.0412% | 2,035 |
| Credit loss provision to net charge-offs | 1,446.2382% | 632 |
| Earnings coverage of net charge-offs (x) | 66.0470% | 1,037 |
| Efficiency ratio | 58.2011% | 3,637 |
| Assets per employee ($millions) | 4.6825% | 3,623 |
| Cash dividends to net income (ytd only)* | 65.0413% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,998 |
| Loan loss allowance to noncurrent loans | 243.0808% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,280 |
| Noncurrent loans to loans | 0.5516% | 2,415 |
| Net loans and leases to total assets | 66.3645% | 2,472 |
| Net loans and leases to deposits | 76.7324% | 2,684 |
| Net loans and leases to core deposits | 77.1796% | 3,079 |
| Total domestic deposits to total assets | 86.4883% | 1,867 |
| Equity capital to assets | 10.9285% | 2,444 |
| Core capital (leverage) ratio | 9.7718% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5161% | 1,991 |
| Memoranda: | ||
| Average total assets | $3,035,829,750 | 328 |
| Average earning assets | $2,886,197,500 | 318 |
| Average equity | $339,360,500 | 332 |
| Average total loans | $2,063,370,750 | 344 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,234 |
| Cost of funding earning assets | 0.1593% | 4,858 |
| Net interest margin | 3.8774% | 1,630 |
| Noninterest income to average assets | 0.8276% | 1,356 |
| Noninterest expense to average assets | 2.7542% | 2,200 |
| Loan and lease loss provision to assets | 0.5033% | 711 |
| Net operating income to assets | 0.9321% | 2,571 |
| Return on assets (ROA) | 0.9359% | 2,685 |
| Pretax return on assets | 1.2570% | 2,161 |
| Return on Equity (ROE) | 8.3063% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.4221% | 3,606 |
| Net charge-offs to loans | 0.0463% | 1,824 |
| Credit loss provision to net charge-offs | 1,592.1610% | 579 |
| Earnings coverage of net charge-offs (x) | 55.5339% | 1,024 |
| Efficiency ratio | 60.1503% | 3,393 |
| Assets per employee ($millions) | 4.6463% | 3,601 |
| Cash dividends to net income (ytd only)* | 70.8408% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,129 |
| Loan loss allowance to noncurrent loans | 195.8345% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,091 |
| Noncurrent loans to loans | 0.6509% | 2,232 |
| Net loans and leases to total assets | 66.8113% | 2,519 |
| Net loans and leases to deposits | 77.5834% | 2,700 |
| Net loans and leases to core deposits | 77.9737% | 3,108 |
| Total domestic deposits to total assets | 86.1155% | 1,957 |
| Equity capital to assets | 10.8742% | 2,445 |
| Core capital (leverage) ratio | 9.7746% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5201% | 1,993 |
| Memoranda: | ||
| Average total assets | $2,986,416,667 | 331 |
| Average earning assets | $2,835,945,667 | 322 |
| Average equity | $336,490,667 | 332 |
| Average total loans | $2,037,223,667 | 341 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,855 |
| Cost of funding earning assets | 0.1999% | 4,890 |
| Net interest margin | 4.1211% | 1,092 |
| Noninterest income to average assets | 0.7302% | 1,531 |
| Noninterest expense to average assets | 2.8464% | 2,289 |
| Loan and lease loss provision to assets | 0.5345% | 543 |
| Net operating income to assets | 0.9340% | 2,406 |
| Return on assets (ROA) | 0.9391% | 2,487 |
| Pretax return on assets | 1.2619% | 1,986 |
| Return on Equity (ROE) | 8.1797% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.5015% | 2,889 |
| Net charge-offs to loans | 0.1071% | 1,043 |
| Credit loss provision to net charge-offs | 728.1426% | 706 |
| Earnings coverage of net charge-offs (x) | 24.3846% | 1,301 |
| Efficiency ratio | 60.4527% | 3,680 |
| Assets per employee ($millions) | 4.3339% | 3,493 |
| Cash dividends to net income (ytd only)* | 57.1931% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,723 |
| Loan loss allowance to noncurrent loans | 155.7893% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 2,024 |
| Noncurrent loans to loans | 0.7639% | 2,088 |
| Net loans and leases to total assets | 67.2343% | 2,661 |
| Net loans and leases to deposits | 79.3038% | 2,749 |
| Net loans and leases to core deposits | 79.8443% | 3,209 |
| Total domestic deposits to total assets | 84.7807% | 2,496 |
| Equity capital to assets | 11.6303% | 2,337 |
| Core capital (leverage) ratio | 10.5541% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5387% | 2,062 |
| Memoranda: | ||
| Average total assets | $2,904,546,000 | 330 |
| Average earning assets | $2,753,072,000 | 319 |
| Average equity | $333,459,000 | 335 |
| Average total loans | $1,989,917,500 | 335 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,123 |
| Cost of funding earning assets | 0.2375% | 4,880 |
| Net interest margin | 4.5368% | 672 |
| Noninterest income to average assets | 0.9855% | 1,004 |
| Noninterest expense to average assets | 2.8002% | 2,600 |
| Loan and lease loss provision to assets | 0.1040% | 1,986 |
| Net operating income to assets | 2.2329% | 211 |
| Return on assets (ROA) | 2.2357% | 222 |
| Pretax return on assets | 2.4012% | 246 |
| Return on Equity (ROE) | 19.1067% | 264 |
| Retained earnings to average equity (ytd only) | -11.1261% | 5,077 |
| Net charge-offs to loans | 0.0904% | 1,830 |
| Credit loss provision to net charge-offs | 162.3504% | 1,591 |
| Earnings coverage of net charge-offs (x) | 39.0490% | 1,338 |
| Efficiency ratio | 51.9268% | 4,609 |
| Assets per employee ($millions) | 4.3493% | 3,436 |
| Cash dividends to net income (ytd only)* | 158.2313% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,490 |
| Loan loss allowance to noncurrent loans | 107.1881% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 1,609 |
| Noncurrent loans to loans | 0.9358% | 1,632 |
| Net loans and leases to total assets | 68.2833% | 2,642 |
| Net loans and leases to deposits | 79.9809% | 2,781 |
| Net loans and leases to core deposits | 81.0694% | 3,208 |
| Total domestic deposits to total assets | 85.3746% | 2,357 |
| Equity capital to assets | 11.3314% | 2,676 |
| Core capital (leverage) ratio | 10.2492% | 3,249 |
| Tier 1 risk-based capital ratio | 13.1231% | 3,730 |
| Total risk-based capital ratio | 14.0174% | 3,803 |
| Memoranda: | ||
| Average total assets | $2,868,358,200 | 325 |
| Average earning assets | $2,729,307,000 | 314 |
| Average equity | $335,626,000 | 316 |
| Average total loans | $2,033,356,400 | 320 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,980 |
| Cost of funding earning assets | 0.2416% | 4,940 |
| Net interest margin | 4.6054% | 610 |
| Noninterest income to average assets | 0.8924% | 1,159 |
| Noninterest expense to average assets | 2.8386% | 2,445 |
| Loan and lease loss provision to assets | 0.1312% | 1,473 |
| Net operating income to assets | 2.2674% | 241 |
| Return on assets (ROA) | 2.2720% | 250 |
| Pretax return on assets | 2.3097% | 364 |
| Return on Equity (ROE) | 19.2619% | 297 |
| Retained earnings to average equity (ytd only) | -2.0836% | 4,932 |
| Net charge-offs to loans | 0.0819% | 1,655 |
| Credit loss provision to net charge-offs | 224.4214% | 1,201 |
| Earnings coverage of net charge-offs (x) | 41.6769% | 1,334 |
| Efficiency ratio | 52.9243% | 4,514 |
| Assets per employee ($millions) | 4.2124% | 3,594 |
| Cash dividends to net income (ytd only)* | 110.8170% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,515 |
| Loan loss allowance to noncurrent loans | 104.7949% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 1,481 |
| Noncurrent loans to loans | 0.9643% | 1,666 |
| Net loans and leases to total assets | 71.4079% | 2,263 |
| Net loans and leases to deposits | 83.8082% | 2,480 |
| Net loans and leases to core deposits | 84.5268% | 3,043 |
| Total domestic deposits to total assets | 85.2039% | 2,349 |
| Equity capital to assets | 12.2561% | 2,073 |
| Core capital (leverage) ratio | 11.0049% | 2,633 |
| Tier 1 risk-based capital ratio | 13.4078% | 3,630 |
| Total risk-based capital ratio | 14.2988% | 3,721 |
| Memoranda: | ||
| Average total assets | $2,858,023,500 | 329 |
| Average earning assets | $2,719,605,500 | 317 |
| Average equity | $337,105,250 | 317 |
| Average total loans | $2,039,953,250 | 321 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 1,876 |
| Cost of funding earning assets | 0.2399% | 4,981 |
| Net interest margin | 4.6217% | 590 |
| Noninterest income to average assets | 0.8508% | 1,204 |
| Noninterest expense to average assets | 2.8532% | 2,404 |
| Loan and lease loss provision to assets | 0.2090% | 809 |
| Net operating income to assets | 2.1521% | 295 |
| Return on assets (ROA) | 2.1578% | 307 |
| Pretax return on assets | 2.1947% | 450 |
| Return on Equity (ROE) | 18.5313% | 351 |
| Retained earnings to average equity (ytd only) | -8.4458% | 5,145 |
| Net charge-offs to loans | 0.0895% | 1,473 |
| Credit loss provision to net charge-offs | 328.2276% | 841 |
| Earnings coverage of net charge-offs (x) | 37.6630% | 1,287 |
| Efficiency ratio | 53.4456% | 4,523 |
| Assets per employee ($millions) | 4.3244% | 3,402 |
| Cash dividends to net income (ytd only)* | 145.5760% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,510 |
| Loan loss allowance to noncurrent loans | 84.2638% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 1,105 |
| Noncurrent loans to loans | 1.2083% | 1,325 |
| Net loans and leases to total assets | 71.6648% | 2,255 |
| Net loans and leases to deposits | 83.5187% | 2,543 |
| Net loans and leases to core deposits | 84.3297% | 3,081 |
| Total domestic deposits to total assets | 85.8069% | 2,133 |
| Equity capital to assets | 11.7419% | 2,392 |
| Core capital (leverage) ratio | 10.5191% | 3,068 |
| Tier 1 risk-based capital ratio | 12.9335% | 3,872 |
| Total risk-based capital ratio | 13.8420% | 3,970 |
| Memoranda: | ||
| Average total assets | $2,871,326,000 | 331 |
| Average earning assets | $2,733,698,670 | 316 |
| Average equity | $334,343,330 | 321 |
| Average total loans | $2,042,303,670 | 325 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,537 |
| Cost of funding earning assets | 0.2281% | 5,046 |
| Net interest margin | 4.6944% | 502 |
| Noninterest income to average assets | 0.8573% | 1,152 |
| Noninterest expense to average assets | 2.6636% | 3,020 |
| Loan and lease loss provision to assets | 0.0860% | 1,986 |
| Net operating income to assets | 2.5430% | 149 |
| Return on assets (ROA) | 2.5479% | 157 |
| Pretax return on assets | 2.5817% | 220 |
| Return on Equity (ROE) | 21.9732% | 173 |
| Retained earnings to average equity (ytd only) | -20.4233% | 5,260 |
| Net charge-offs to loans | 0.0446% | 1,636 |
| Credit loss provision to net charge-offs | 273.8938% | 872 |
| Earnings coverage of net charge-offs (x) | 84.7655% | 733 |
| Efficiency ratio | 49.1310% | 4,884 |
| Assets per employee ($millions) | 4.3820% | 3,355 |
| Cash dividends to net income (ytd only)* | 192.9464% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,977 |
| Loan loss allowance to noncurrent loans | 119.4551% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 1,583 |
| Noncurrent loans to loans | 0.7921% | 2,055 |
| Net loans and leases to total assets | 69.9269% | 2,496 |
| Net loans and leases to deposits | 80.9557% | 2,736 |
| Net loans and leases to core deposits | 82.1514% | 3,172 |
| Total domestic deposits to total assets | 86.3768% | 2,117 |
| Equity capital to assets | 11.2837% | 2,574 |
| Core capital (leverage) ratio | 10.4518% | 3,104 |
| Tier 1 risk-based capital ratio | 12.7880% | 3,986 |
| Total risk-based capital ratio | 13.6231% | 4,119 |
| Memoranda: | ||
| Average total assets | $2,877,775,500 | 333 |
| Average earning assets | $2,739,621,000 | 321 |
| Average equity | $333,698,000 | 325 |
| Average total loans | $2,028,677,000 | 331 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 2,216 |
| Cost of funding earning assets | 0.1852% | 5,058 |
| Net interest margin | 4.3889% | 964 |
| Noninterest income to average assets | 0.9955% | 952 |
| Noninterest expense to average assets | 2.7014% | 3,021 |
| Loan and lease loss provision to assets | 0.1852% | 1,048 |
| Net operating income to assets | 2.2434% | 236 |
| Return on assets (ROA) | 2.1728% | 259 |
| Pretax return on assets | 2.2028% | 355 |
| Return on Equity (ROE) | 19.2575% | 298 |
| Retained earnings to average equity (ytd only) | 7.1387% | 1,608 |
| Net charge-offs to loans | 0.2269% | 860 |
| Credit loss provision to net charge-offs | 118.2884% | 2,193 |
| Earnings coverage of net charge-offs (x) | 15.7105% | 2,311 |
| Efficiency ratio | 51.4086% | 4,851 |
| Assets per employee ($millions) | 4.2734% | 3,503 |
| Cash dividends to net income (ytd only)* | 62.9302% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,976 |
| Loan loss allowance to noncurrent loans | 103.2130% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 1,437 |
| Noncurrent loans to loans | 0.9154% | 1,752 |
| Net loans and leases to total assets | 69.7276% | 2,607 |
| Net loans and leases to deposits | 81.5480% | 2,791 |
| Net loans and leases to core deposits | 82.3552% | 3,233 |
| Total domestic deposits to total assets | 85.5050% | 2,435 |
| Equity capital to assets | 11.9127% | 1,962 |
| Core capital (leverage) ratio | 11.0289% | 2,499 |
| Tier 1 risk-based capital ratio | 13.6170% | 3,484 |
| Total risk-based capital ratio | 14.4418% | 3,613 |
| Memoranda: | ||
| Average total assets | $2,888,813,200 | 329 |
| Average earning assets | $2,741,534,000 | 319 |
| Average equity | $325,940,800 | 330 |
| Average total loans | $1,992,737,000 | 330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 2,213 |
| Cost of funding earning assets | 0.1821% | 5,087 |
| Net interest margin | 4.3416% | 1,030 |
| Noninterest income to average assets | 0.9741% | 999 |
| Noninterest expense to average assets | 2.6561% | 3,107 |
| Loan and lease loss provision to assets | 0.0814% | 2,328 |
| Net operating income to assets | 2.3261% | 212 |
| Return on assets (ROA) | 2.3344% | 208 |
| Pretax return on assets | 2.3633% | 298 |
| Return on Equity (ROE) | 20.9786% | 215 |
| Retained earnings to average equity (ytd only) | 7.7452% | 1,773 |
| Net charge-offs to loans | 0.0123% | 2,979 |
| Credit loss provision to net charge-offs | 966.6667% | 429 |
| Earnings coverage of net charge-offs (x) | 289.3106% | 318 |
| Efficiency ratio | 51.2095% | 4,871 |
| Assets per employee ($millions) | 4.2158% | 3,554 |
| Cash dividends to net income (ytd only)* | 63.0803% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,853 |
| Loan loss allowance to noncurrent loans | 85.3167% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 1,236 |
| Noncurrent loans to loans | 1.1570% | 1,462 |
| Net loans and leases to total assets | 69.9034% | 2,665 |
| Net loans and leases to deposits | 81.3871% | 2,881 |
| Net loans and leases to core deposits | 82.6092% | 3,286 |
| Total domestic deposits to total assets | 85.8900% | 2,246 |
| Equity capital to assets | 11.5844% | 2,195 |
| Core capital (leverage) ratio | 10.8398% | 2,748 |
| Tier 1 risk-based capital ratio | 13.4700% | 3,642 |
| Total risk-based capital ratio | 14.3320% | 3,774 |
| Memoranda: | ||
| Average total assets | $2,897,350,500 | 329 |
| Average earning assets | $2,748,289,750 | 314 |
| Average equity | $322,409,000 | 329 |
| Average total loans | $1,988,552,500 | 328 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 2,255 |
| Cost of funding earning assets | 0.1736% | 5,133 |
| Net interest margin | 4.2772% | 1,083 |
| Noninterest income to average assets | 0.9860% | 985 |
| Noninterest expense to average assets | 2.6526% | 3,156 |
| Loan and lease loss provision to assets | 0.0371% | 3,162 |
| Net operating income to assets | 2.3235% | 194 |
| Return on assets (ROA) | 2.3187% | 190 |
| Pretax return on assets | 2.3452% | 306 |
| Return on Equity (ROE) | 21.1176% | 199 |
| Retained earnings to average equity (ytd only) | 6.7642% | 2,182 |
| Net charge-offs to loans | -0.0137% | 4,428 |
| Credit loss provision to net charge-offs | -398.5294% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6832% | 4,921 |
| Assets per employee ($millions) | 4.2450% | 3,506 |
| Cash dividends to net income (ytd only)* | 67.9689% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,093 |
| Loan loss allowance to noncurrent loans | 87.3493% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 1,311 |
| Noncurrent loans to loans | 1.0918% | 1,616 |
| Net loans and leases to total assets | 68.0693% | 2,858 |
| Net loans and leases to deposits | 78.7891% | 3,075 |
| Net loans and leases to core deposits | 79.7517% | 3,440 |
| Total domestic deposits to total assets | 86.3944% | 2,098 |
| Equity capital to assets | 11.2476% | 2,410 |
| Core capital (leverage) ratio | 10.4343% | 3,095 |
| Tier 1 risk-based capital ratio | 13.2729% | 3,746 |
| Total risk-based capital ratio | 14.1054% | 3,892 |
| Memoranda: | ||
| Average total assets | $2,918,784,670 | 323 |
| Average earning assets | $2,766,341,670 | 312 |
| Average equity | $320,481,330 | 324 |
| Average total loans | $1,984,689,670 | 327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 2,386 |
| Cost of funding earning assets | 0.1707% | 5,161 |
| Net interest margin | 4.1693% | 1,246 |
| Noninterest income to average assets | 1.0250% | 869 |
| Noninterest expense to average assets | 2.6348% | 3,232 |
| Loan and lease loss provision to assets | -0.0486% | 5,462 |
| Net operating income to assets | 2.3611% | 184 |
| Return on assets (ROA) | 2.3548% | 189 |
| Pretax return on assets | 2.3763% | 276 |
| Return on Equity (ROE) | 21.7047% | 169 |
| Retained earnings to average equity (ytd only) | 4.7822% | 3,266 |
| Net charge-offs to loans | 0.0320% | 1,860 |
| Credit loss provision to net charge-offs | -224.5283% | 3,825 |
| Earnings coverage of net charge-offs (x) | 107.9434% | 578 |
| Efficiency ratio | 52.0678% | 4,959 |
| Assets per employee ($millions) | 4.2392% | 3,585 |
| Cash dividends to net income (ytd only)* | 77.9671% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,499 |
| Loan loss allowance to noncurrent loans | 77.3806% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 1,262 |
| Noncurrent loans to loans | 1.1466% | 1,593 |
| Net loans and leases to total assets | 67.5722% | 2,817 |
| Net loans and leases to deposits | 78.3649% | 2,980 |
| Net loans and leases to core deposits | 79.9579% | 3,328 |
| Total domestic deposits to total assets | 86.2277% | 2,435 |
| Equity capital to assets | 10.9073% | 2,674 |
| Core capital (leverage) ratio | 10.0995% | 3,426 |
| Tier 1 risk-based capital ratio | 12.8985% | 4,004 |
| Total risk-based capital ratio | 13.6753% | 4,186 |
| Memoranda: | ||
| Average total assets | $2,941,243,000 | 323 |
| Average earning assets | $2,782,242,000 | 312 |
| Average equity | $319,101,500 | 330 |
| Average total loans | $1,989,505,000 | 328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 2,771 |
| Cost of funding earning assets | 0.1644% | 5,185 |
| Net interest margin | 4.0132% | 1,708 |
| Noninterest income to average assets | 0.8657% | 1,366 |
| Noninterest expense to average assets | 2.7414% | 2,991 |
| Loan and lease loss provision to assets | 0.0996% | 2,231 |
| Net operating income to assets | 1.7803% | 444 |
| Return on assets (ROA) | 1.7500% | 483 |
| Pretax return on assets | 1.7767% | 842 |
| Return on Equity (ROE) | 15.9478% | 492 |
| Retained earnings to average equity (ytd only) | -0.6083% | 5,133 |
| Net charge-offs to loans | 0.1227% | 1,823 |
| Credit loss provision to net charge-offs | 122.1718% | 2,138 |
| Earnings coverage of net charge-offs (x) | 23.4055% | 1,809 |
| Efficiency ratio | 57.7027% | 4,562 |
| Assets per employee ($millions) | 4.2310% | 3,611 |
| Cash dividends to net income (ytd only)* | 103.8142% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,405 |
| Loan loss allowance to noncurrent loans | 81.9737% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 1,210 |
| Noncurrent loans to loans | 1.1128% | 1,587 |
| Net loans and leases to total assets | 66.5029% | 3,034 |
| Net loans and leases to deposits | 77.3103% | 3,189 |
| Net loans and leases to core deposits | 78.8227% | 3,518 |
| Total domestic deposits to total assets | 86.0207% | 2,425 |
| Equity capital to assets | 10.7921% | 2,847 |
| Core capital (leverage) ratio | 9.9629% | 3,501 |
| Tier 1 risk-based capital ratio | 12.8141% | 4,025 |
| Total risk-based capital ratio | 13.6161% | 4,197 |
| Memoranda: | ||
| Average total assets | $2,972,363,400 | 310 |
| Average earning assets | $2,801,750,000 | 299 |
| Average equity | $326,163,200 | 315 |
| Average total loans | $1,974,104,800 | 316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 2,744 |
| Cost of funding earning assets | 0.1646% | 5,227 |
| Net interest margin | 3.9976% | 1,711 |
| Noninterest income to average assets | 0.9288% | 1,194 |
| Noninterest expense to average assets | 2.6629% | 3,197 |
| Loan and lease loss provision to assets | 0.0980% | 2,149 |
| Net operating income to assets | 1.9076% | 382 |
| Return on assets (ROA) | 1.9076% | 385 |
| Pretax return on assets | 1.9347% | 629 |
| Return on Equity (ROE) | 17.3131% | 391 |
| Retained earnings to average equity (ytd only) | -2.0141% | 5,433 |
| Net charge-offs to loans | 0.1196% | 1,595 |
| Credit loss provision to net charge-offs | 123.7691% | 1,963 |
| Earnings coverage of net charge-offs (x) | 25.6605% | 1,718 |
| Efficiency ratio | 55.3896% | 4,802 |
| Assets per employee ($millions) | 4.0609% | 3,881 |
| Cash dividends to net income (ytd only)* | 111.6334% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,347 |
| Loan loss allowance to noncurrent loans | 92.9853% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 1,381 |
| Noncurrent loans to loans | 1.0152% | 1,917 |
| Net loans and leases to total assets | 64.5708% | 3,314 |
| Net loans and leases to deposits | 74.5337% | 3,515 |
| Net loans and leases to core deposits | 76.5788% | 3,756 |
| Total domestic deposits to total assets | 86.6329% | 2,028 |
| Equity capital to assets | 10.9133% | 2,949 |
| Core capital (leverage) ratio | 9.7547% | 3,875 |
| Tier 1 risk-based capital ratio | 13.1580% | 3,902 |
| Total risk-based capital ratio | 13.9855% | 4,077 |
| Memoranda: | ||
| Average total assets | $2,973,968,000 | 312 |
| Average earning assets | $2,802,301,750 | 300 |
| Average equity | $327,682,000 | 312 |
| Average total loans | $1,969,981,750 | 319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 2,892 |
| Cost of funding earning assets | 0.1616% | 5,259 |
| Net interest margin | 3.9186% | 1,866 |
| Noninterest income to average assets | 0.9161% | 1,224 |
| Noninterest expense to average assets | 2.6202% | 3,368 |
| Loan and lease loss provision to assets | 0.1434% | 1,425 |
| Net operating income to assets | 1.8220% | 435 |
| Return on assets (ROA) | 1.8220% | 448 |
| Pretax return on assets | 1.8458% | 754 |
| Return on Equity (ROE) | 16.4844% | 462 |
| Retained earnings to average equity (ytd only) | 7.4004% | 1,395 |
| Net charge-offs to loans | 0.0867% | 1,745 |
| Credit loss provision to net charge-offs | 248.4919% | 1,088 |
| Earnings coverage of net charge-offs (x) | 34.4756% | 1,365 |
| Efficiency ratio | 55.4333% | 4,882 |
| Assets per employee ($millions) | 4.0474% | 3,879 |
| Cash dividends to net income (ytd only)* | 55.1065% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,420 |
| Loan loss allowance to noncurrent loans | 76.4356% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 1,330 |
| Noncurrent loans to loans | 1.2426% | 1,559 |
| Net loans and leases to total assets | 66.1679% | 3,078 |
| Net loans and leases to deposits | 76.9743% | 3,218 |
| Net loans and leases to core deposits | 79.6950% | 3,443 |
| Total domestic deposits to total assets | 85.9610% | 2,389 |
| Equity capital to assets | 11.3328% | 2,466 |
| Core capital (leverage) ratio | 10.2962% | 3,149 |
| Tier 1 risk-based capital ratio | 13.5168% | 3,696 |
| Total risk-based capital ratio | 14.3581% | 3,849 |
| Memoranda: | ||
| Average total assets | $2,987,968,000 | 312 |
| Average earning assets | $2,816,139,000 | 297 |
| Average equity | $330,251,330 | 309 |
| Average total loans | $1,989,564,000 | 319 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,767 |
| Cost of funding earning assets | 0.1623% | 5,289 |
| Net interest margin | 3.9083% | 1,746 |
| Noninterest income to average assets | 0.9557% | 1,089 |
| Noninterest expense to average assets | 2.7459% | 2,970 |
| Loan and lease loss provision to assets | 0.2341% | 656 |
| Net operating income to assets | 1.6358% | 633 |
| Return on assets (ROA) | 1.6358% | 650 |
| Pretax return on assets | 1.6579% | 1,101 |
| Return on Equity (ROE) | 14.9891% | 644 |
| Retained earnings to average equity (ytd only) | 6.4155% | 2,130 |
| Net charge-offs to loans | 0.0764% | 1,569 |
| Credit loss provision to net charge-offs | 460.7895% | 598 |
| Earnings coverage of net charge-offs (x) | 37.2474% | 1,081 |
| Efficiency ratio | 57.8062% | 4,740 |
| Assets per employee ($millions) | 4.0872% | 3,864 |
| Cash dividends to net income (ytd only)* | 57.1989% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 4,518 |
| Loan loss allowance to noncurrent loans | 80.8721% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 1,413 |
| Noncurrent loans to loans | 1.1819% | 1,714 |
| Net loans and leases to total assets | 65.2449% | 3,083 |
| Net loans and leases to deposits | 75.3270% | 3,270 |
| Net loans and leases to core deposits | 77.1247% | 3,551 |
| Total domestic deposits to total assets | 86.6155% | 2,393 |
| Equity capital to assets | 10.9292% | 2,713 |
| Core capital (leverage) ratio | 10.0413% | 3,442 |
| Tier 1 risk-based capital ratio | 13.1365% | 4,006 |
| Total risk-based capital ratio | 13.9785% | 4,142 |
| Memoranda: | ||
| Average total assets | $2,992,522,500 | 314 |
| Average earning assets | $2,819,323,500 | 298 |
| Average equity | $326,583,500 | 311 |
| Average total loans | $1,989,371,000 | 318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,387 |
| Cost of funding earning assets | 0.1655% | 5,313 |
| Net interest margin | 4.0644% | 1,463 |
| Noninterest income to average assets | 1.0349% | 1,056 |
| Noninterest expense to average assets | 2.8064% | 2,999 |
| Loan and lease loss provision to assets | 0.2089% | 1,085 |
| Net operating income to assets | 1.8037% | 444 |
| Return on assets (ROA) | 1.8066% | 463 |
| Pretax return on assets | 1.8356% | 724 |
| Return on Equity (ROE) | 16.7127% | 433 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,024 |
| Net charge-offs to loans | 0.2463% | 1,123 |
| Credit loss provision to net charge-offs | 125.5625% | 2,130 |
| Earnings coverage of net charge-offs (x) | 12.2739% | 2,467 |
| Efficiency ratio | 56.4819% | 5,017 |
| Assets per employee ($millions) | 4.0556% | 3,860 |
| Cash dividends to net income (ytd only)* | 67.1905% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,843 |
| Loan loss allowance to noncurrent loans | 71.5603% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3357% | 1,300 |
| Noncurrent loans to loans | 1.2363% | 1,661 |
| Net loans and leases to total assets | 66.4977% | 3,003 |
| Net loans and leases to deposits | 76.7895% | 3,227 |
| Net loans and leases to core deposits | 79.1940% | 3,465 |
| Total domestic deposits to total assets | 86.5974% | 2,333 |
| Equity capital to assets | 10.8972% | 2,716 |
| Core capital (leverage) ratio | 9.9470% | 3,554 |
| Tier 1 risk-based capital ratio | 13.0714% | 4,020 |
| Total risk-based capital ratio | 13.8591% | 4,212 |
| Memoranda: | ||
| Average total assets | $2,965,723,600 | 297 |
| Average earning assets | $2,782,295,200 | 288 |
| Average equity | $320,588,000 | 306 |
| Average total loans | $2,002,779,800 | 304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 2,410 |
| Cost of funding earning assets | 0.1662% | 5,376 |
| Net interest margin | 4.0649% | 1,485 |
| Noninterest income to average assets | 0.9631% | 1,229 |
| Noninterest expense to average assets | 2.8305% | 2,906 |
| Loan and lease loss provision to assets | 0.1803% | 1,231 |
| Net operating income to assets | 1.7327% | 559 |
| Return on assets (ROA) | 1.7364% | 588 |
| Pretax return on assets | 1.7681% | 959 |
| Return on Equity (ROE) | 16.0962% | 533 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,609 |
| Net charge-offs to loans | 0.1496% | 1,498 |
| Credit loss provision to net charge-offs | 178.0986% | 1,571 |
| Earnings coverage of net charge-offs (x) | 19.2097% | 1,949 |
| Efficiency ratio | 57.8490% | 4,833 |
| Assets per employee ($millions) | 4.0444% | 3,887 |
| Cash dividends to net income (ytd only)* | 76.3952% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,885 |
| Loan loss allowance to noncurrent loans | 93.6089% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 1,596 |
| Noncurrent loans to loans | 0.9576% | 2,329 |
| Net loans and leases to total assets | 67.2951% | 2,903 |
| Net loans and leases to deposits | 79.0718% | 3,070 |
| Net loans and leases to core deposits | 80.9453% | 3,355 |
| Total domestic deposits to total assets | 85.1062% | 2,755 |
| Equity capital to assets | 10.8453% | 3,207 |
| Core capital (leverage) ratio | 9.7115% | 3,924 |
| Tier 1 risk-based capital ratio | 12.6091% | 4,401 |
| Total risk-based capital ratio | 13.4156% | 4,592 |
| Memoranda: | ||
| Average total assets | $2,964,988,000 | 296 |
| Average earning assets | $2,780,450,000 | 289 |
| Average equity | $319,859,750 | 307 |
| Average total loans | $2,005,545,500 | 303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,338 |
| Cost of funding earning assets | 0.1450% | 5,582 |
| Net interest margin | 4.1042% | 1,355 |
| Noninterest income to average assets | 1.0445% | 1,026 |
| Noninterest expense to average assets | 2.8049% | 3,012 |
| Loan and lease loss provision to assets | 0.0651% | 2,843 |
| Net operating income to assets | 2.0069% | 330 |
| Return on assets (ROA) | 2.0110% | 341 |
| Pretax return on assets | 2.0462% | 523 |
| Return on Equity (ROE) | 18.9603% | 300 |
| Retained earnings to average equity (ytd only) | 8.8854% | 882 |
| Net charge-offs to loans | 0.2429% | 970 |
| Credit loss provision to net charge-offs | 39.5273% | 2,773 |
| Earnings coverage of net charge-offs (x) | 12.7924% | 2,163 |
| Efficiency ratio | 55.7665% | 5,167 |
| Assets per employee ($millions) | 3.9321% | 4,035 |
| Cash dividends to net income (ytd only)* | 53.1370% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 5,260 |
| Loan loss allowance to noncurrent loans | 98.1201% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 1,853 |
| Noncurrent loans to loans | 0.8246% | 2,682 |
| Net loans and leases to total assets | 67.5279% | 2,862 |
| Net loans and leases to deposits | 78.4186% | 3,109 |
| Net loans and leases to core deposits | 80.4505% | 3,419 |
| Total domestic deposits to total assets | 86.1121% | 2,363 |
| Equity capital to assets | 11.1266% | 2,918 |
| Core capital (leverage) ratio | 9.7114% | 3,917 |
| Tier 1 risk-based capital ratio | 12.8172% | 4,302 |
| Total risk-based capital ratio | 13.5437% | 4,572 |
| Memoranda: | ||
| Average total assets | $2,620,283,670 | 328 |
| Average earning assets | $2,469,128,670 | 314 |
| Average equity | $277,917,330 | 334 |
| Average total loans | $1,777,089,000 | 332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 2,420 |
| Cost of funding earning assets | 0.1354% | 5,713 |
| Net interest margin | 4.0777% | 1,402 |
| Noninterest income to average assets | 1.0950% | 905 |
| Noninterest expense to average assets | 2.7281% | 3,317 |
| Loan and lease loss provision to assets | -0.0013% | 5,856 |
| Net operating income to assets | 2.1939% | 227 |
| Return on assets (ROA) | 2.1989% | 238 |
| Pretax return on assets | 2.2286% | 363 |
| Return on Equity (ROE) | 21.3568% | 187 |
| Retained earnings to average equity (ytd only) | 10.3099% | 784 |
| Net charge-offs to loans | 0.0778% | 1,712 |
| Credit loss provision to net charge-offs | -2.4691% | 4,074 |
| Earnings coverage of net charge-offs (x) | 42.2130% | 981 |
| Efficiency ratio | 53.8222% | 5,397 |
| Assets per employee ($millions) | 3.6762% | 4,505 |
| Cash dividends to net income (ytd only)* | 51.7254% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 4,874 |
| Loan loss allowance to noncurrent loans | 93.8249% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 1,896 |
| Noncurrent loans to loans | 1.0079% | 2,368 |
| Net loans and leases to total assets | 67.0201% | 2,804 |
| Net loans and leases to deposits | 77.7608% | 3,027 |
| Net loans and leases to core deposits | 79.4393% | 3,372 |
| Total domestic deposits to total assets | 86.1876% | 2,593 |
| Equity capital to assets | 10.5350% | 3,446 |
| Core capital (leverage) ratio | 9.5586% | 4,094 |
| Tier 1 risk-based capital ratio | 12.2407% | 4,757 |
| Total risk-based capital ratio | 13.0654% | 4,939 |
| Memoranda: | ||
| Average total assets | $2,461,768,500 | 342 |
| Average earning assets | $2,327,573,500 | 333 |
| Average equity | $253,465,000 | 356 |
| Average total loans | $1,665,790,000 | 344 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,214 |
| Cost of funding earning assets | 0.1549% | 5,651 |
| Net interest margin | 4.1508% | 1,277 |
| Noninterest income to average assets | 1.1527% | 890 |
| Noninterest expense to average assets | 2.8845% | 2,912 |
| Loan and lease loss provision to assets | 0.2077% | 1,017 |
| Net operating income to assets | 1.9462% | 380 |
| Return on assets (ROA) | 1.9464% | 388 |
| Pretax return on assets | 1.9845% | 556 |
| Return on Equity (ROE) | 17.0278% | 449 |
| Retained earnings to average equity (ytd only) | -11.2555% | 6,052 |
| Net charge-offs to loans | 0.2622% | 1,149 |
| Credit loss provision to net charge-offs | 118.3781% | 2,175 |
| Earnings coverage of net charge-offs (x) | 12.4916% | 2,462 |
| Efficiency ratio | 55.5204% | 5,394 |
| Assets per employee ($millions) | 3.5976% | 4,649 |
| Cash dividends to net income (ytd only)* | 166.1006% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,838 |
| Loan loss allowance to noncurrent loans | 91.8312% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 1,796 |
| Noncurrent loans to loans | 1.0400% | 2,255 |
| Net loans and leases to total assets | 67.0265% | 2,851 |
| Net loans and leases to deposits | 79.3506% | 2,901 |
| Net loans and leases to core deposits | 80.8184% | 3,259 |
| Total domestic deposits to total assets | 84.4687% | 3,300 |
| Equity capital to assets | 10.0596% | 3,894 |
| Core capital (leverage) ratio | 9.1711% | 4,659 |
| Tier 1 risk-based capital ratio | 11.8642% | 5,035 |
| Total risk-based capital ratio | 12.7000% | 5,186 |
| Memoranda: | ||
| Average total assets | $2,480,682,200 | 321 |
| Average earning assets | $2,345,044,600 | 311 |
| Average equity | $283,559,400 | 318 |
| Average total loans | $1,660,260,200 | 330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,159 |
| Cost of funding earning assets | 0.1531% | 5,756 |
| Net interest margin | 4.1703% | 1,234 |
| Noninterest income to average assets | 1.1621% | 887 |
| Noninterest expense to average assets | 2.8425% | 3,029 |
| Loan and lease loss provision to assets | 0.2768% | 571 |
| Net operating income to assets | 1.9593% | 387 |
| Return on assets (ROA) | 1.9593% | 404 |
| Pretax return on assets | 1.9839% | 613 |
| Return on Equity (ROE) | 16.6434% | 512 |
| Retained earnings to average equity (ytd only) | 7.5859% | 1,418 |
| Net charge-offs to loans | 0.3603% | 726 |
| Credit loss provision to net charge-offs | 115.1251% | 2,055 |
| Earnings coverage of net charge-offs (x) | 9.4024% | 2,703 |
| Efficiency ratio | 54.4063% | 5,481 |
| Assets per employee ($millions) | 3.7171% | 4,408 |
| Cash dividends to net income (ytd only)* | 54.4208% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,995 |
| Loan loss allowance to noncurrent loans | 72.5768% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 1,779 |
| Noncurrent loans to loans | 1.3031% | 1,962 |
| Net loans and leases to total assets | 67.0573% | 2,843 |
| Net loans and leases to deposits | 80.9461% | 2,769 |
| Net loans and leases to core deposits | 82.5794% | 3,185 |
| Total domestic deposits to total assets | 82.8420% | 3,868 |
| Equity capital to assets | 12.1046% | 2,025 |
| Core capital (leverage) ratio | 11.2482% | 2,249 |
| Tier 1 risk-based capital ratio | 14.3952% | 3,633 |
| Total risk-based capital ratio | 15.2247% | 3,800 |
| Memoranda: | ||
| Average total assets | $2,482,058,750 | 326 |
| Average earning assets | $2,345,623,250 | 313 |
| Average equity | $292,200,750 | 313 |
| Average total loans | $1,656,570,250 | 333 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 1,937 |
| Cost of funding earning assets | 0.1501% | 5,845 |
| Net interest margin | 4.2242% | 1,061 |
| Noninterest income to average assets | 1.2342% | 799 |
| Noninterest expense to average assets | 2.8709% | 2,995 |
| Loan and lease loss provision to assets | 0.2413% | 752 |
| Net operating income to assets | 2.0890% | 311 |
| Return on assets (ROA) | 2.0890% | 326 |
| Pretax return on assets | 2.1135% | 487 |
| Return on Equity (ROE) | 17.9131% | 417 |
| Retained earnings to average equity (ytd only) | 8.7614% | 1,003 |
| Net charge-offs to loans | 0.1262% | 1,747 |
| Credit loss provision to net charge-offs | 287.8002% | 953 |
| Earnings coverage of net charge-offs (x) | 28.0836% | 1,430 |
| Efficiency ratio | 53.6754% | 5,611 |
| Assets per employee ($millions) | 3.7180% | 4,383 |
| Cash dividends to net income (ytd only)* | 51.0893% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 4,688 |
| Loan loss allowance to noncurrent loans | 90.3165% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 2,023 |
| Noncurrent loans to loans | 1.1456% | 2,358 |
| Net loans and leases to total assets | 66.5567% | 2,856 |
| Net loans and leases to deposits | 80.3109% | 2,744 |
| Net loans and leases to core deposits | 81.8653% | 3,192 |
| Total domestic deposits to total assets | 82.8738% | 3,995 |
| Equity capital to assets | 11.9658% | 2,056 |
| Core capital (leverage) ratio | 11.0398% | 2,385 |
| Tier 1 risk-based capital ratio | 14.3959% | 3,701 |
| Total risk-based capital ratio | 15.3057% | 3,835 |
| Memoranda: | ||
| Average total assets | $2,482,977,670 | 329 |
| Average earning assets | $2,346,176,000 | 311 |
| Average equity | $289,564,330 | 316 |
| Average total loans | $1,649,284,330 | 333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 2,629 |
| Cost of funding earning assets | 0.1450% | 5,963 |
| Net interest margin | 4.0059% | 1,531 |
| Noninterest income to average assets | 1.2262% | 754 |
| Noninterest expense to average assets | 2.7814% | 3,310 |
| Loan and lease loss provision to assets | 0.0997% | 2,030 |
| Net operating income to assets | 2.1023% | 278 |
| Return on assets (ROA) | 2.1023% | 298 |
| Pretax return on assets | 2.1265% | 456 |
| Return on Equity (ROE) | 18.2622% | 368 |
| Retained earnings to average equity (ytd only) | 9.1987% | 1,130 |
| Net charge-offs to loans | 0.0462% | 2,335 |
| Credit loss provision to net charge-offs | 326.8421% | 768 |
| Earnings coverage of net charge-offs (x) | 72.9947% | 632 |
| Efficiency ratio | 54.2328% | 5,661 |
| Assets per employee ($millions) | 3.7387% | 4,443 |
| Cash dividends to net income (ytd only)* | 49.6297% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 5,235 |
| Loan loss allowance to noncurrent loans | 83.5633% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 2,035 |
| Noncurrent loans to loans | 1.1412% | 2,491 |
| Net loans and leases to total assets | 65.5822% | 2,841 |
| Net loans and leases to deposits | 77.2780% | 2,913 |
| Net loans and leases to core deposits | 78.9418% | 3,285 |
| Total domestic deposits to total assets | 84.8653% | 3,474 |
| Equity capital to assets | 11.7678% | 2,226 |
| Core capital (leverage) ratio | 10.7803% | 2,650 |
| Tier 1 risk-based capital ratio | 14.6341% | 3,637 |
| Total risk-based capital ratio | 15.4966% | 3,778 |
| Memoranda: | ||
| Average total assets | $2,491,953,000 | 327 |
| Average earning assets | $2,352,313,500 | 311 |
| Average equity | $286,866,000 | 317 |
| Average total loans | $1,645,030,500 | 331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,231 |
| Cost of funding earning assets | 0.1634% | 6,020 |
| Net interest margin | 4.2343% | 1,204 |
| Noninterest income to average assets | 1.0373% | 1,138 |
| Noninterest expense to average assets | 3.0645% | 2,640 |
| Loan and lease loss provision to assets | 0.0455% | 3,667 |
| Net operating income to assets | 1.8848% | 403 |
| Return on assets (ROA) | 1.8908% | 416 |
| Pretax return on assets | 1.9204% | 608 |
| Return on Equity (ROE) | 16.6135% | 537 |
| Retained earnings to average equity (ytd only) | -2.1044% | 6,023 |
| Net charge-offs to loans | 0.3185% | 1,388 |
| Credit loss provision to net charge-offs | 22.6296% | 3,943 |
| Earnings coverage of net charge-offs (x) | 9.7475% | 2,705 |
| Efficiency ratio | 59.6526% | 5,269 |
| Assets per employee ($millions) | 3.7340% | 4,468 |
| Cash dividends to net income (ytd only)* | 112.6669% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,403 |
| Loan loss allowance to noncurrent loans | 69.3325% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 2,086 |
| Noncurrent loans to loans | 1.3271% | 2,218 |
| Net loans and leases to total assets | 65.2159% | 3,018 |
| Net loans and leases to deposits | 76.4199% | 3,151 |
| Net loans and leases to core deposits | 78.5551% | 3,459 |
| Total domestic deposits to total assets | 85.3389% | 3,145 |
| Equity capital to assets | 11.2574% | 2,643 |
| Core capital (leverage) ratio | 10.2228% | 3,282 |
| Tier 1 risk-based capital ratio | 14.2240% | 3,947 |
| Total risk-based capital ratio | 15.0792% | 4,153 |
| Memoranda: | ||
| Average total assets | $2,523,108,600 | 302 |
| Average earning assets | $2,375,747,600 | 292 |
| Average equity | $287,157,400 | 303 |
| Average total loans | $1,592,560,600 | 317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,094 |
| Cost of funding earning assets | 0.1674% | 6,077 |
| Net interest margin | 4.2684% | 1,115 |
| Noninterest income to average assets | 1.0165% | 1,185 |
| Noninterest expense to average assets | 2.9707% | 2,902 |
| Loan and lease loss provision to assets | 0.0451% | 3,492 |
| Net operating income to assets | 1.9847% | 352 |
| Return on assets (ROA) | 1.9871% | 364 |
| Pretax return on assets | 2.0187% | 545 |
| Return on Equity (ROE) | 17.4131% | 505 |
| Retained earnings to average equity (ytd only) | -4.5521% | 6,237 |
| Net charge-offs to loans | 0.3249% | 1,233 |
| Credit loss provision to net charge-offs | 22.2107% | 3,562 |
| Earnings coverage of net charge-offs (x) | 10.1586% | 2,578 |
| Efficiency ratio | 57.7012% | 5,483 |
| Assets per employee ($millions) | 3.5905% | 4,696 |
| Cash dividends to net income (ytd only)* | 126.1419% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 5,154 |
| Loan loss allowance to noncurrent loans | 77.3298% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 2,278 |
| Noncurrent loans to loans | 1.3096% | 2,462 |
| Net loans and leases to total assets | 64.8641% | 3,043 |
| Net loans and leases to deposits | 75.9592% | 3,186 |
| Net loans and leases to core deposits | 77.4965% | 3,585 |
| Total domestic deposits to total assets | 85.3933% | 3,162 |
| Equity capital to assets | 11.4879% | 2,499 |
| Core capital (leverage) ratio | 10.1002% | 3,530 |
| Tier 1 risk-based capital ratio | 14.5973% | 3,816 |
| Total risk-based capital ratio | 15.5450% | 3,951 |
| Memoranda: | ||
| Average total assets | $2,526,573,250 | 298 |
| Average earning assets | $2,376,860,750 | 289 |
| Average equity | $288,327,750 | 301 |
| Average total loans | $1,577,793,750 | 315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 1,968 |
| Cost of funding earning assets | 0.1713% | 6,128 |
| Net interest margin | 4.2861% | 1,049 |
| Noninterest income to average assets | 0.9646% | 1,297 |
| Noninterest expense to average assets | 2.9307% | 3,065 |
| Loan and lease loss provision to assets | 0.0615% | 3,035 |
| Net operating income to assets | 1.9675% | 363 |
| Return on assets (ROA) | 1.9712% | 371 |
| Pretax return on assets | 2.0062% | 547 |
| Return on Equity (ROE) | 17.3101% | 520 |
| Retained earnings to average equity (ytd only) | 6.3270% | 2,138 |
| Net charge-offs to loans | 0.3044% | 1,327 |
| Credit loss provision to net charge-offs | 32.8739% | 3,018 |
| Earnings coverage of net charge-offs (x) | 11.0292% | 2,191 |
| Efficiency ratio | 57.3472% | 5,626 |
| Assets per employee ($millions) | 3.6371% | 4,586 |
| Cash dividends to net income (ytd only)* | 63.4493% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 4,836 |
| Loan loss allowance to noncurrent loans | 69.2785% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 2,073 |
| Noncurrent loans to loans | 1.6100% | 2,155 |
| Net loans and leases to total assets | 61.4307% | 3,499 |
| Net loans and leases to deposits | 72.0850% | 3,554 |
| Net loans and leases to core deposits | 73.5465% | 3,885 |
| Total domestic deposits to total assets | 85.2197% | 3,400 |
| Equity capital to assets | 11.8367% | 2,114 |
| Core capital (leverage) ratio | 10.5117% | 2,934 |
| Tier 1 risk-based capital ratio | 16.0014% | 3,083 |
| Total risk-based capital ratio | 17.0507% | 3,126 |
| Memoranda: | ||
| Average total assets | $2,558,514,000 | 293 |
| Average earning assets | $2,405,679,330 | 282 |
| Average equity | $291,356,330 | 297 |
| Average total loans | $1,572,786,670 | 312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,799 |
| Cost of funding earning assets | 0.1730% | 6,210 |
| Net interest margin | 4.3315% | 939 |
| Noninterest income to average assets | 0.8125% | 1,706 |
| Noninterest expense to average assets | 3.0364% | 2,742 |
| Loan and lease loss provision to assets | -0.0288% | 6,429 |
| Net operating income to assets | 1.8214% | 465 |
| Return on assets (ROA) | 1.8214% | 487 |
| Pretax return on assets | 1.8677% | 701 |
| Return on Equity (ROE) | 16.3100% | 610 |
| Retained earnings to average equity (ytd only) | 5.1769% | 3,008 |
| Net charge-offs to loans | 0.4661% | 777 |
| Credit loss provision to net charge-offs | -10.0872% | 4,670 |
| Earnings coverage of net charge-offs (x) | 6.4520% | 2,220 |
| Efficiency ratio | 60.9257% | 5,274 |
| Assets per employee ($millions) | 3.7483% | 4,426 |
| Cash dividends to net income (ytd only)* | 68.2594% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,104 |
| Loan loss allowance to noncurrent loans | 70.7964% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7997% | 1,949 |
| Noncurrent loans to loans | 1.5584% | 2,482 |
| Net loans and leases to total assets | 59.2747% | 3,671 |
| Net loans and leases to deposits | 69.2497% | 3,698 |
| Net loans and leases to core deposits | 70.8771% | 3,997 |
| Total domestic deposits to total assets | 85.5957% | 3,560 |
| Equity capital to assets | 11.2273% | 2,498 |
| Core capital (leverage) ratio | 10.2149% | 3,273 |
| Tier 1 risk-based capital ratio | 15.8020% | 3,268 |
| Total risk-based capital ratio | 16.8368% | 3,354 |
| Memoranda: | ||
| Average total assets | $2,573,879,000 | 292 |
| Average earning assets | $2,414,214,000 | 281 |
| Average equity | $287,431,500 | 296 |
| Average total loans | $1,574,005,000 | 313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,708 |
| Cost of funding earning assets | 0.2223% | 6,162 |
| Net interest margin | 4.1442% | 1,521 |
| Noninterest income to average assets | 1.3634% | 751 |
| Noninterest expense to average assets | 3.2440% | 2,295 |
| Loan and lease loss provision to assets | 0.1144% | 2,900 |
| Net operating income to assets | 1.8042% | 479 |
| Return on assets (ROA) | 1.5574% | 773 |
| Pretax return on assets | 1.5838% | 1,211 |
| Return on Equity (ROE) | 15.3701% | 702 |
| Retained earnings to average equity (ytd only) | 8.0810% | 1,030 |
| Net charge-offs to loans | 0.3787% | 1,773 |
| Credit loss provision to net charge-offs | 50.8644% | 3,791 |
| Earnings coverage of net charge-offs (x) | 8.6682% | 2,629 |
| Efficiency ratio | 52.7608% | 6,232 |
| Assets per employee ($millions) | 3.6436% | 4,592 |
| Cash dividends to net income (ytd only)* | 47.4238% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,674 |
| Loan loss allowance to noncurrent loans | 58.5720% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 1,753 |
| Noncurrent loans to loans | 2.0432% | 1,943 |
| Net loans and leases to total assets | 61.6353% | 3,417 |
| Net loans and leases to deposits | 72.0048% | 3,519 |
| Net loans and leases to core deposits | 73.9600% | 3,843 |
| Total domestic deposits to total assets | 85.5990% | 3,461 |
| Equity capital to assets | 11.1066% | 2,517 |
| Core capital (leverage) ratio | 9.9854% | 3,597 |
| Tier 1 risk-based capital ratio | 15.3612% | 3,450 |
| Total risk-based capital ratio | 16.5044% | 3,460 |
| Memoranda: | ||
| Average total assets | $2,802,668,400 | 270 |
| Average earning assets | $2,590,618,200 | 265 |
| Average equity | $283,986,800 | 287 |
| Average total loans | $1,664,914,600 | 287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,919 |
| Cost of funding earning assets | 0.2337% | 6,199 |
| Net interest margin | 4.0831% | 1,681 |
| Noninterest income to average assets | 1.1829% | 1,047 |
| Noninterest expense to average assets | 2.8468% | 3,501 |
| Loan and lease loss provision to assets | 0.1810% | 2,009 |
| Net operating income to assets | 1.8902% | 442 |
| Return on assets (ROA) | 1.6403% | 738 |
| Pretax return on assets | 1.6674% | 1,165 |
| Return on Equity (ROE) | 16.5443% | 586 |
| Retained earnings to average equity (ytd only) | 9.2874% | 973 |
| Net charge-offs to loans | 0.2876% | 2,096 |
| Credit loss provision to net charge-offs | 107.1114% | 2,192 |
| Earnings coverage of net charge-offs (x) | 12.4490% | 2,133 |
| Efficiency ratio | 55.9843% | 5,906 |
| Assets per employee ($millions) | 3.6728% | 4,499 |
| Cash dividends to net income (ytd only)* | 43.8634% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,071 |
| Loan loss allowance to noncurrent loans | 46.8136% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.4049% | 1,616 |
| Noncurrent loans to loans | 2.9089% | 1,406 |
| Net loans and leases to total assets | 58.7167% | 3,888 |
| Net loans and leases to deposits | 67.6410% | 4,108 |
| Net loans and leases to core deposits | 69.5424% | 4,367 |
| Total domestic deposits to total assets | 86.8064% | 2,795 |
| Equity capital to assets | 10.1322% | 3,727 |
| Core capital (leverage) ratio | 8.7824% | 5,434 |
| Tier 1 risk-based capital ratio | 13.9708% | 4,454 |
| Total risk-based capital ratio | 15.2215% | 4,398 |
| Memoranda: | ||
| Average total assets | $2,862,980,000 | 264 |
| Average earning assets | $2,641,461,500 | 258 |
| Average equity | $283,861,500 | 285 |
| Average total loans | $1,681,677,500 | 285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,173 |
| Cost of funding earning assets | 0.2471% | 6,195 |
| Net interest margin | 3.9977% | 1,862 |
| Noninterest income to average assets | 1.1739% | 1,104 |
| Noninterest expense to average assets | 2.8245% | 3,591 |
| Loan and lease loss provision to assets | 0.1724% | 2,182 |
| Net operating income to assets | 1.8305% | 481 |
| Return on assets (ROA) | 1.8359% | 512 |
| Pretax return on assets | 1.8651% | 797 |
| Return on Equity (ROE) | 18.6471% | 414 |
| Retained earnings to average equity (ytd only) | 10.6071% | 720 |
| Net charge-offs to loans | 0.4252% | 1,515 |
| Credit loss provision to net charge-offs | 69.3356% | 2,839 |
| Earnings coverage of net charge-offs (x) | 8.1715% | 2,448 |
| Efficiency ratio | 56.6200% | 5,888 |
| Assets per employee ($millions) | 3.7068% | 4,386 |
| Cash dividends to net income (ytd only)* | 43.1164% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,620 |
| Loan loss allowance to noncurrent loans | 39.7654% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6792% | 1,559 |
| Noncurrent loans to loans | 3.2068% | 1,369 |
| Net loans and leases to total assets | 58.2633% | 3,940 |
| Net loans and leases to deposits | 67.0092% | 4,147 |
| Net loans and leases to core deposits | 69.3320% | 4,348 |
| Total domestic deposits to total assets | 86.9481% | 2,849 |
| Equity capital to assets | 9.7426% | 4,249 |
| Core capital (leverage) ratio | 8.3562% | 5,816 |
| Tier 1 risk-based capital ratio | 13.4157% | 4,826 |
| Total risk-based capital ratio | 14.6158% | 4,814 |
| Memoranda: | ||
| Average total assets | $2,892,984,330 | 261 |
| Average earning assets | $2,664,904,330 | 252 |
| Average equity | $284,827,670 | 283 |
| Average total loans | $1,692,012,000 | 284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,722 |
| Cost of funding earning assets | 0.2604% | 6,218 |
| Net interest margin | 4.0827% | 1,509 |
| Noninterest income to average assets | 1.1940% | 1,057 |
| Noninterest expense to average assets | 2.7020% | 4,050 |
| Loan and lease loss provision to assets | -0.0943% | 6,832 |
| Net operating income to assets | 2.3122% | 198 |
| Return on assets (ROA) | 2.3122% | 219 |
| Pretax return on assets | 2.3472% | 332 |
| Return on Equity (ROE) | 23.3679% | 155 |
| Retained earnings to average equity (ytd only) | 23.3679% | 77 |
| Net charge-offs to loans | 0.2302% | 2,064 |
| Credit loss provision to net charge-offs | -70.3252% | 5,095 |
| Earnings coverage of net charge-offs (x) | 16.8079% | 1,348 |
| Efficiency ratio | 53.0474% | 6,302 |
| Assets per employee ($millions) | 4.1078% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,103 |
| Loan loss allowance to noncurrent loans | 34.0279% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 2.9048% | 1,551 |
| Noncurrent loans to loans | 3.5786% | 1,334 |
| Net loans and leases to total assets | 56.5834% | 3,995 |
| Net loans and leases to deposits | 64.9657% | 4,192 |
| Net loans and leases to core deposits | 66.8812% | 4,424 |
| Total domestic deposits to total assets | 87.0973% | 2,905 |
| Equity capital to assets | 10.0833% | 4,037 |
| Core capital (leverage) ratio | 8.2053% | 5,927 |
| Tier 1 risk-based capital ratio | 13.5970% | 4,803 |
| Total risk-based capital ratio | 14.7732% | 4,812 |
| Memoranda: | ||
| Average total assets | $2,936,469,000 | 256 |
| Average earning assets | $2,705,072,500 | 251 |
| Average equity | $290,552,500 | 286 |
| Average total loans | $1,710,021,500 | 287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 3,160 |
| Cost of funding earning assets | 0.3691% | 6,113 |
| Net interest margin | 4.1930% | 1,685 |
| Noninterest income to average assets | 2.0031% | 435 |
| Noninterest expense to average assets | 2.5983% | 4,750 |
| Loan and lease loss provision to assets | 0.4529% | 1,389 |
| Net operating income to assets | 2.7247% | 121 |
| Return on assets (ROA) | 3.1103% | 95 |
| Pretax return on assets | 3.1629% | 124 |
| Return on Equity (ROE) | 25.6416% | 112 |
| Retained earnings to average equity (ytd only) | 9.1695% | 774 |
| Net charge-offs to loans | 0.7460% | 1,573 |
| Credit loss provision to net charge-offs | 97.1719% | 3,190 |
| Earnings coverage of net charge-offs (x) | 6.9132% | 2,711 |
| Efficiency ratio | 43.4704% | 6,863 |
| Assets per employee ($millions) | 4.3117% | 3,328 |
| Cash dividends to net income (ytd only)* | 64.2398% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,729 |
| Loan loss allowance to noncurrent loans | 31.4513% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 3.3036% | 1,391 |
| Noncurrent loans to loans | 4.0768% | 1,143 |
| Net loans and leases to total assets | 58.4338% | 3,891 |
| Net loans and leases to deposits | 66.6151% | 4,189 |
| Net loans and leases to core deposits | 69.1646% | 4,413 |
| Total domestic deposits to total assets | 87.7185% | 2,399 |
| Equity capital to assets | 9.7048% | 4,583 |
| Core capital (leverage) ratio | 8.4625% | 5,675 |
| Tier 1 risk-based capital ratio | 12.2804% | 5,610 |
| Total risk-based capital ratio | 13.5204% | 5,574 |
| Memoranda: | ||
| Average total assets | $2,177,117,600 | 329 |
| Average earning assets | $1,982,166,400 | 322 |
| Average equity | $264,082,400 | 302 |
| Average total loans | $1,360,328,800 | 327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 2,453 |
| Cost of funding earning assets | 0.4067% | 6,083 |
| Net interest margin | 4.3764% | 1,257 |
| Noninterest income to average assets | 1.3580% | 809 |
| Noninterest expense to average assets | 2.5377% | 4,968 |
| Loan and lease loss provision to assets | 0.3715% | 1,743 |
| Net operating income to assets | 2.3673% | 220 |
| Return on assets (ROA) | 2.9159% | 117 |
| Pretax return on assets | 2.9855% | 157 |
| Return on Equity (ROE) | 22.3922% | 221 |
| Retained earnings to average equity (ytd only) | 4.6369% | 3,631 |
| Net charge-offs to loans | 0.7660% | 1,443 |
| Credit loss provision to net charge-offs | 76.1401% | 3,733 |
| Earnings coverage of net charge-offs (x) | 5.7331% | 2,941 |
| Efficiency ratio | 46.3236% | 6,804 |
| Assets per employee ($millions) | 3.9041% | 4,075 |
| Cash dividends to net income (ytd only)* | 79.2921% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,372 |
| Loan loss allowance to noncurrent loans | 46.6480% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7118% | 1,947 |
| Noncurrent loans to loans | 3.5162% | 1,543 |
| Net loans and leases to total assets | 60.6520% | 3,644 |
| Net loans and leases to deposits | 71.6724% | 3,656 |
| Net loans and leases to core deposits | 73.4883% | 4,048 |
| Total domestic deposits to total assets | 84.6239% | 3,922 |
| Equity capital to assets | 13.2030% | 1,496 |
| Core capital (leverage) ratio | 10.7333% | 2,670 |
| Tier 1 risk-based capital ratio | 16.7941% | 2,845 |
| Total risk-based capital ratio | 18.0490% | 2,796 |
| Memoranda: | ||
| Average total assets | $1,989,483,250 | 358 |
| Average earning assets | $1,807,847,750 | 345 |
| Average equity | $259,072,250 | 307 |
| Average total loans | $1,267,171,250 | 347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 2,254 |
| Cost of funding earning assets | 0.4341% | 6,074 |
| Net interest margin | 4.4302% | 1,128 |
| Noninterest income to average assets | 1.3930% | 742 |
| Noninterest expense to average assets | 2.5492% | 4,962 |
| Loan and lease loss provision to assets | 0.5480% | 1,124 |
| Net operating income to assets | 2.2585% | 260 |
| Return on assets (ROA) | 2.9213% | 111 |
| Pretax return on assets | 2.9949% | 154 |
| Return on Equity (ROE) | 22.5420% | 229 |
| Retained earnings to average equity (ytd only) | 8.8193% | 1,335 |
| Net charge-offs to loans | 0.9427% | 1,171 |
| Credit loss provision to net charge-offs | 90.2745% | 3,042 |
| Earnings coverage of net charge-offs (x) | 4.7221% | 3,003 |
| Efficiency ratio | 45.8290% | 6,889 |
| Assets per employee ($millions) | 3.8976% | 4,077 |
| Cash dividends to net income (ytd only)* | 60.8759% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 3,054 |
| Loan loss allowance to noncurrent loans | 49.8601% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.8197% | 1,954 |
| Noncurrent loans to loans | 3.4967% | 1,641 |
| Net loans and leases to total assets | 62.2871% | 3,373 |
| Net loans and leases to deposits | 73.7817% | 3,330 |
| Net loans and leases to core deposits | 75.3730% | 3,830 |
| Total domestic deposits to total assets | 84.4208% | 4,127 |
| Equity capital to assets | 13.0926% | 1,472 |
| Core capital (leverage) ratio | 10.5604% | 2,747 |
| Tier 1 risk-based capital ratio | 16.8023% | 2,761 |
| Total risk-based capital ratio | 18.0591% | 2,712 |
| Memoranda: | ||
| Average total assets | $1,968,129,670 | 361 |
| Average earning assets | $1,787,185,670 | 356 |
| Average equity | $255,053,000 | 309 |
| Average total loans | $1,267,466,670 | 348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 1,931 |
| Cost of funding earning assets | 0.4636% | 6,057 |
| Net interest margin | 4.5250% | 964 |
| Noninterest income to average assets | 1.0752% | 1,249 |
| Noninterest expense to average assets | 2.5762% | 4,899 |
| Loan and lease loss provision to assets | 0.0306% | 4,987 |
| Net operating income to assets | 2.4825% | 183 |
| Return on assets (ROA) | 2.4825% | 222 |
| Pretax return on assets | 2.5770% | 299 |
| Return on Equity (ROE) | 19.2570% | 432 |
| Retained earnings to average equity (ytd only) | 5.0113% | 3,551 |
| Net charge-offs to loans | 0.4065% | 2,087 |
| Credit loss provision to net charge-offs | 11.6009% | 3,879 |
| Earnings coverage of net charge-offs (x) | 9.8832% | 1,805 |
| Efficiency ratio | 48.3979% | 6,770 |
| Assets per employee ($millions) | 3.9933% | 4,022 |
| Cash dividends to net income (ytd only)* | 73.9767% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 3,344 |
| Loan loss allowance to noncurrent loans | 32.1292% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 4.0037% | 1,375 |
| Noncurrent loans to loans | 5.2973% | 1,032 |
| Net loans and leases to total assets | 62.4217% | 3,168 |
| Net loans and leases to deposits | 73.6690% | 3,169 |
| Net loans and leases to core deposits | 75.6875% | 3,652 |
| Total domestic deposits to total assets | 84.7327% | 4,150 |
| Equity capital to assets | 12.8351% | 1,522 |
| Core capital (leverage) ratio | 10.2199% | 3,083 |
| Tier 1 risk-based capital ratio | 16.1886% | 3,080 |
| Total risk-based capital ratio | 17.4449% | 3,031 |
| Memoranda: | ||
| Average total assets | $1,960,256,000 | 362 |
| Average earning assets | $1,779,884,500 | 354 |
| Average equity | $252,708,500 | 305 |
| Average total loans | $1,272,387,500 | 346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 1,666 |
| Cost of funding earning assets | 0.6404% | 5,868 |
| Net interest margin | 4.6712% | 799 |
| Noninterest income to average assets | 2.2051% | 329 |
| Noninterest expense to average assets | 3.0681% | 3,321 |
| Loan and lease loss provision to assets | 0.6296% | 1,621 |
| Net operating income to assets | 2.7042% | 109 |
| Return on assets (ROA) | 2.7034% | 110 |
| Pretax return on assets | 2.7310% | 156 |
| Return on Equity (ROE) | 22.9275% | 159 |
| Retained earnings to average equity (ytd only) | 13.6472% | 187 |
| Net charge-offs to loans | 0.8414% | 2,060 |
| Credit loss provision to net charge-offs | 105.9769% | 3,218 |
| Earnings coverage of net charge-offs (x) | 5.6581% | 2,716 |
| Efficiency ratio | 46.5701% | 7,019 |
| Assets per employee ($millions) | 3.9589% | 3,955 |
| Cash dividends to net income (ytd only)* | 40.4766% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,044 |
| Loan loss allowance to noncurrent loans | 30.2917% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 4.5396% | 1,205 |
| Noncurrent loans to loans | 5.7619% | 889 |
| Net loans and leases to total assets | 65.1819% | 2,941 |
| Net loans and leases to deposits | 77.5930% | 2,901 |
| Net loans and leases to core deposits | 79.7151% | 3,483 |
| Total domestic deposits to total assets | 84.0049% | 4,315 |
| Equity capital to assets | 12.9490% | 1,514 |
| Core capital (leverage) ratio | 10.1456% | 3,175 |
| Tier 1 risk-based capital ratio | 15.7677% | 3,174 |
| Total risk-based capital ratio | 17.0224% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,791,199,600 | 375 |
| Average earning assets | $1,619,847,600 | 368 |
| Average equity | $211,200,400 | 333 |
| Average total loans | $1,264,740,800 | 341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 1,716 |
| Cost of funding earning assets | 0.6958% | 5,797 |
| Net interest margin | 4.6440% | 861 |
| Noninterest income to average assets | 2.7588% | 238 |
| Noninterest expense to average assets | 2.9441% | 3,761 |
| Loan and lease loss provision to assets | 0.4449% | 2,247 |
| Net operating income to assets | 3.5366% | 70 |
| Return on assets (ROA) | 3.5331% | 72 |
| Pretax return on assets | 3.5632% | 104 |
| Return on Equity (ROE) | 30.8031% | 50 |
| Retained earnings to average equity (ytd only) | 21.4536% | 56 |
| Net charge-offs to loans | 1.0076% | 1,598 |
| Credit loss provision to net charge-offs | 61.5077% | 4,759 |
| Earnings coverage of net charge-offs (x) | 5.5457% | 2,756 |
| Efficiency ratio | 41.2710% | 7,232 |
| Assets per employee ($millions) | 3.9401% | 3,977 |
| Cash dividends to net income (ytd only)* | 30.3526% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 4,649 |
| Loan loss allowance to noncurrent loans | 24.1020% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 4.7613% | 1,232 |
| Noncurrent loans to loans | 5.7152% | 1,006 |
| Net loans and leases to total assets | 68.0852% | 2,479 |
| Net loans and leases to deposits | 80.3688% | 2,604 |
| Net loans and leases to core deposits | 82.5422% | 3,249 |
| Total domestic deposits to total assets | 84.7160% | 3,904 |
| Equity capital to assets | 13.0916% | 1,565 |
| Core capital (leverage) ratio | 10.6883% | 2,679 |
| Tier 1 risk-based capital ratio | 15.8595% | 3,189 |
| Total risk-based capital ratio | 17.1123% | 3,143 |
| Memoranda: | ||
| Average total assets | $1,753,045,750 | 383 |
| Average earning assets | $1,584,251,000 | 376 |
| Average equity | $201,074,250 | 355 |
| Average total loans | $1,258,545,250 | 341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 1,638 |
| Cost of funding earning assets | 0.7637% | 5,601 |
| Net interest margin | 4.6097% | 893 |
| Noninterest income to average assets | 2.2065% | 317 |
| Noninterest expense to average assets | 3.0497% | 3,433 |
| Loan and lease loss provision to assets | 0.5062% | 1,933 |
| Net operating income to assets | 2.8007% | 114 |
| Return on assets (ROA) | 2.7942% | 120 |
| Pretax return on assets | 2.8223% | 160 |
| Return on Equity (ROE) | 25.7274% | 117 |
| Retained earnings to average equity (ytd only) | 15.9732% | 209 |
| Net charge-offs to loans | 1.2059% | 1,297 |
| Credit loss provision to net charge-offs | 57.6330% | 4,403 |
| Earnings coverage of net charge-offs (x) | 3.7975% | 3,050 |
| Efficiency ratio | 46.6944% | 7,124 |
| Assets per employee ($millions) | 4.0416% | 3,675 |
| Cash dividends to net income (ytd only)* | 37.9139% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,330 |
| Loan loss allowance to noncurrent loans | 32.1218% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 3.7658% | 1,730 |
| Noncurrent loans to loans | 4.5228% | 1,463 |
| Net loans and leases to total assets | 69.6273% | 2,294 |
| Net loans and leases to deposits | 80.4174% | 2,718 |
| Net loans and leases to core deposits | 82.6142% | 3,411 |
| Total domestic deposits to total assets | 86.5825% | 2,999 |
| Equity capital to assets | 10.9334% | 3,027 |
| Core capital (leverage) ratio | 8.7384% | 5,164 |
| Tier 1 risk-based capital ratio | 13.3209% | 4,672 |
| Total risk-based capital ratio | 14.5751% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,699,091,000 | 399 |
| Average earning assets | $1,540,098,670 | 394 |
| Average equity | $184,534,670 | 388 |
| Average total loans | $1,237,400,000 | 350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 1,552 |
| Cost of funding earning assets | 0.8871% | 5,017 |
| Net interest margin | 4.5137% | 1,041 |
| Noninterest income to average assets | 1.0005% | 1,324 |
| Noninterest expense to average assets | 2.3796% | 5,952 |
| Loan and lease loss provision to assets | 0.7696% | 1,112 |
| Net operating income to assets | 1.9126% | 395 |
| Return on assets (ROA) | 1.8990% | 429 |
| Pretax return on assets | 1.9210% | 651 |
| Return on Equity (ROE) | 17.5505% | 520 |
| Retained earnings to average equity (ytd only) | 7.3900% | 1,991 |
| Net charge-offs to loans | 0.0838% | 4,114 |
| Credit loss provision to net charge-offs | 1,240.1575% | 323 |
| Earnings coverage of net charge-offs (x) | 43.5787% | 642 |
| Efficiency ratio | 46.8067% | 7,165 |
| Assets per employee ($millions) | 3.9092% | 4,051 |
| Cash dividends to net income (ytd only)* | 57.8927% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 2,213 |
| Loan loss allowance to noncurrent loans | 82.8411% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 2.4077% | 2,829 |
| Noncurrent loans to loans | 2.5224% | 2,961 |
| Net loans and leases to total assets | 71.0192% | 1,915 |
| Net loans and leases to deposits | 82.2070% | 2,327 |
| Net loans and leases to core deposits | 84.4837% | 3,102 |
| Total domestic deposits to total assets | 86.3906% | 3,293 |
| Equity capital to assets | 11.1055% | 2,581 |
| Core capital (leverage) ratio | 9.0723% | 4,494 |
| Tier 1 risk-based capital ratio | 12.8994% | 4,898 |
| Total risk-based capital ratio | 14.1610% | 4,875 |
| Memoranda: | ||
| Average total assets | $1,637,257,500 | 416 |
| Average earning assets | $1,481,167,000 | 411 |
| Average equity | $177,157,500 | 400 |
| Average total loans | $1,212,176,000 | 361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 1,869 |
| Cost of funding earning assets | 1.1321% | 4,954 |
| Net interest margin | 4.4739% | 1,288 |
| Noninterest income to average assets | 1.5250% | 627 |
| Noninterest expense to average assets | 2.6504% | 5,217 |
| Loan and lease loss provision to assets | 1.1586% | 1,365 |
| Net operating income to assets | 1.7407% | 473 |
| Return on assets (ROA) | 1.8717% | 387 |
| Pretax return on assets | 1.8922% | 626 |
| Return on Equity (ROE) | 17.6211% | 414 |
| Retained earnings to average equity (ytd only) | 6.7432% | 1,431 |
| Net charge-offs to loans | 1.0260% | 2,144 |
| Credit loss provision to net charge-offs | 150.0402% | 2,410 |
| Earnings coverage of net charge-offs (x) | 3.7795% | 3,191 |
| Efficiency ratio | 47.5932% | 7,281 |
| Assets per employee ($millions) | 3.8690% | 4,083 |
| Cash dividends to net income (ytd only)* | 61.7325% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,976 |
| Loan loss allowance to noncurrent loans | 63.9073% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.4775% | 2,790 |
| Noncurrent loans to loans | 2.7619% | 2,755 |
| Net loans and leases to total assets | 74.2000% | 1,619 |
| Net loans and leases to deposits | 86.8973% | 1,953 |
| Net loans and leases to core deposits | 89.3484% | 2,849 |
| Total domestic deposits to total assets | 85.3881% | 3,668 |
| Equity capital to assets | 10.5364% | 3,122 |
| Core capital (leverage) ratio | 8.4027% | 5,527 |
| Tier 1 risk-based capital ratio | 11.7938% | 5,655 |
| Total risk-based capital ratio | 13.0516% | 5,644 |
| Memoranda: | ||
| Average total assets | $1,609,731,000 | 424 |
| Average earning assets | $1,454,982,000 | 424 |
| Average equity | $170,988,200 | 405 |
| Average total loans | $1,211,460,200 | 372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 2,062 |
| Cost of funding earning assets | 1.2020% | 4,857 |
| Net interest margin | 4.3977% | 1,532 |
| Noninterest income to average assets | 1.2819% | 836 |
| Noninterest expense to average assets | 2.5250% | 5,622 |
| Loan and lease loss provision to assets | 0.9571% | 1,557 |
| Net operating income to assets | 1.7516% | 565 |
| Return on assets (ROA) | 1.9271% | 422 |
| Pretax return on assets | 1.9518% | 701 |
| Return on Equity (ROE) | 18.1045% | 475 |
| Retained earnings to average equity (ytd only) | 8.0964% | 1,394 |
| Net charge-offs to loans | 0.3028% | 4,156 |
| Credit loss provision to net charge-offs | 420.3216% | 720 |
| Earnings coverage of net charge-offs (x) | 11.9963% | 1,734 |
| Efficiency ratio | 48.0344% | 7,269 |
| Assets per employee ($millions) | 3.8241% | 4,210 |
| Cash dividends to net income (ytd only)* | 55.2796% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 2,420 |
| Loan loss allowance to noncurrent loans | 71.8257% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.4574% | 2,908 |
| Noncurrent loans to loans | 2.6756% | 2,958 |
| Net loans and leases to total assets | 74.5617% | 1,675 |
| Net loans and leases to deposits | 87.0284% | 2,147 |
| Net loans and leases to core deposits | 92.0717% | 2,785 |
| Total domestic deposits to total assets | 85.6751% | 3,255 |
| Equity capital to assets | 10.8757% | 3,080 |
| Core capital (leverage) ratio | 8.3639% | 5,763 |
| Tier 1 risk-based capital ratio | 11.6540% | 5,781 |
| Total risk-based capital ratio | 12.9143% | 5,748 |
| Memoranda: | ||
| Average total assets | $1,602,048,000 | 422 |
| Average earning assets | $1,447,935,750 | 420 |
| Average equity | $170,524,000 | 399 |
| Average total loans | $1,204,551,500 | 373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 2,131 |
| Cost of funding earning assets | 1.2793% | 4,655 |
| Net interest margin | 4.3235% | 1,693 |
| Noninterest income to average assets | 1.2322% | 854 |
| Noninterest expense to average assets | 2.5152% | 5,664 |
| Loan and lease loss provision to assets | 0.9246% | 1,579 |
| Net operating income to assets | 1.6616% | 636 |
| Return on assets (ROA) | 1.8138% | 511 |
| Pretax return on assets | 1.8472% | 814 |
| Return on Equity (ROE) | 17.1720% | 552 |
| Retained earnings to average equity (ytd only) | 8.2982% | 1,335 |
| Net charge-offs to loans | 0.2980% | 3,833 |
| Credit loss provision to net charge-offs | 414.3019% | 880 |
| Earnings coverage of net charge-offs (x) | 11.7242% | 1,739 |
| Efficiency ratio | 49.0127% | 7,285 |
| Assets per employee ($millions) | 3.8418% | 4,125 |
| Cash dividends to net income (ytd only)* | 51.6760% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,955 |
| Loan loss allowance to noncurrent loans | 70.4586% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.0694% | 3,421 |
| Noncurrent loans to loans | 2.4599% | 3,186 |
| Net loans and leases to total assets | 72.7215% | 2,227 |
| Net loans and leases to deposits | 83.8137% | 2,906 |
| Net loans and leases to core deposits | 86.9163% | 3,711 |
| Total domestic deposits to total assets | 86.7657% | 2,669 |
| Equity capital to assets | 10.5440% | 3,351 |
| Core capital (leverage) ratio | 8.1873% | 5,959 |
| Tier 1 risk-based capital ratio | 11.3376% | 5,915 |
| Total risk-based capital ratio | 12.5945% | 5,893 |
| Memoranda: | ||
| Average total assets | $1,579,023,000 | 429 |
| Average earning assets | $1,424,230,330 | 428 |
| Average equity | $166,783,330 | 410 |
| Average total loans | $1,182,591,000 | 386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 2,905 |
| Cost of funding earning assets | 1.2799% | 4,929 |
| Net interest margin | 4.1483% | 2,243 |
| Noninterest income to average assets | 1.3728% | 639 |
| Noninterest expense to average assets | 2.4756% | 5,822 |
| Loan and lease loss provision to assets | 0.8168% | 1,547 |
| Net operating income to assets | 1.7741% | 524 |
| Return on assets (ROA) | 1.9490% | 412 |
| Pretax return on assets | 1.9897% | 618 |
| Return on Equity (ROE) | 18.4347% | 482 |
| Retained earnings to average equity (ytd only) | 10.0954% | 1,118 |
| Net charge-offs to loans | 0.0674% | 4,734 |
| Credit loss provision to net charge-offs | 1,607.1429% | 304 |
| Earnings coverage of net charge-offs (x) | 51.7092% | 561 |
| Efficiency ratio | 48.5062% | 7,405 |
| Assets per employee ($millions) | 4.0021% | 3,869 |
| Cash dividends to net income (ytd only)* | 45.2368% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 3,775 |
| Loan loss allowance to noncurrent loans | 77.2793% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 3,803 |
| Noncurrent loans to loans | 1.9741% | 3,826 |
| Net loans and leases to total assets | 73.3701% | 2,113 |
| Net loans and leases to deposits | 83.7319% | 2,982 |
| Net loans and leases to core deposits | 86.4887% | 3,825 |
| Total domestic deposits to total assets | 87.6250% | 2,278 |
| Equity capital to assets | 10.0926% | 3,756 |
| Core capital (leverage) ratio | 8.6721% | 5,066 |
| Tier 1 risk-based capital ratio | 11.1283% | 6,027 |
| Total risk-based capital ratio | 12.3826% | 5,992 |
| Memoranda: | ||
| Average total assets | $1,542,555,000 | 452 |
| Average earning assets | $1,387,350,000 | 459 |
| Average equity | $163,083,500 | 422 |
| Average total loans | $1,162,627,500 | 411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 3,377 |
| Cost of funding earning assets | 1.6189% | 4,945 |
| Net interest margin | 4.0257% | 2,760 |
| Noninterest income to average assets | 1.6811% | 511 |
| Noninterest expense to average assets | 2.8907% | 4,565 |
| Loan and lease loss provision to assets | 0.9033% | 2,488 |
| Net operating income to assets | 1.5575% | 602 |
| Return on assets (ROA) | 1.7156% | 456 |
| Pretax return on assets | 1.7179% | 750 |
| Return on Equity (ROE) | 15.2758% | 634 |
| Retained earnings to average equity (ytd only) | 3.2191% | 2,906 |
| Net charge-offs to loans | 0.8363% | 2,738 |
| Credit loss provision to net charge-offs | 141.7639% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.8657% | 3,164 |
| Efficiency ratio | 53.9929% | 7,230 |
| Assets per employee ($millions) | 3.4898% | 5,023 |
| Cash dividends to net income (ytd only)* | 78.9269% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 4,148 |
| Loan loss allowance to noncurrent loans | 110.2494% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 4,850 |
| Noncurrent loans to loans | 1.2839% | 4,785 |
| Net loans and leases to total assets | 75.2655% | 1,976 |
| Net loans and leases to deposits | 86.9529% | 2,744 |
| Net loans and leases to core deposits | 98.5295% | 4,173 |
| Total domestic deposits to total assets | 86.5590% | 2,726 |
| Equity capital to assets | 11.1145% | 2,614 |
| Core capital (leverage) ratio | 8.8270% | 4,727 |
| Tier 1 risk-based capital ratio | 11.0381% | 5,888 |
| Total risk-based capital ratio | 12.2800% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,425,321,000 | 478 |
| Average earning assets | $1,300,362,800 | 476 |
| Average equity | $160,076,800 | 433 |
| Average total loans | $1,085,998,000 | 452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 3,524 |
| Cost of funding earning assets | 1.6730% | 5,047 |
| Net interest margin | 3.9865% | 2,869 |
| Noninterest income to average assets | 1.6943% | 513 |
| Noninterest expense to average assets | 2.8828% | 4,526 |
| Loan and lease loss provision to assets | 0.8570% | 2,235 |
| Net operating income to assets | 1.5935% | 673 |
| Return on assets (ROA) | 1.7855% | 487 |
| Pretax return on assets | 1.7855% | 826 |
| Return on Equity (ROE) | 15.8566% | 676 |
| Retained earnings to average equity (ytd only) | 3.0952% | 3,593 |
| Net charge-offs to loans | 0.5705% | 2,970 |
| Credit loss provision to net charge-offs | 197.2546% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.6401% | 2,764 |
| Efficiency ratio | 54.0530% | 7,227 |
| Assets per employee ($millions) | 3.1230% | 5,848 |
| Cash dividends to net income (ytd only)* | 80.4797% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,407 |
| Loan loss allowance to noncurrent loans | 105.1018% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 4,425 |
| Noncurrent loans to loans | 1.4322% | 4,524 |
| Net loans and leases to total assets | 74.5025% | 2,379 |
| Net loans and leases to deposits | 87.1029% | 3,129 |
| Net loans and leases to core deposits | 98.4980% | 4,553 |
| Total domestic deposits to total assets | 85.5339% | 2,951 |
| Equity capital to assets | 11.3440% | 2,717 |
| Core capital (leverage) ratio | 8.9124% | 4,787 |
| Tier 1 risk-based capital ratio | 11.0021% | 5,953 |
| Total risk-based capital ratio | 12.2459% | 5,924 |
| Memoranda: | ||
| Average total assets | $1,419,583,750 | 492 |
| Average earning assets | $1,295,885,750 | 486 |
| Average equity | $159,854,000 | 443 |
| Average total loans | $1,081,072,750 | 467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 3,623 |
| Cost of funding earning assets | 1.7142% | 5,204 |
| Net interest margin | 3.9726% | 2,821 |
| Noninterest income to average assets | 1.6630% | 532 |
| Noninterest expense to average assets | 2.8927% | 4,523 |
| Loan and lease loss provision to assets | 0.8169% | 2,048 |
| Net operating income to assets | 1.5841% | 700 |
| Return on assets (ROA) | 1.8509% | 451 |
| Pretax return on assets | 1.8438% | 781 |
| Return on Equity (ROE) | 16.4781% | 647 |
| Retained earnings to average equity (ytd only) | 2.2479% | 4,086 |
| Net charge-offs to loans | 0.7111% | 2,277 |
| Credit loss provision to net charge-offs | 150.5082% | 3,058 |
| Earnings coverage of net charge-offs (x) | 4.4107% | 3,102 |
| Efficiency ratio | 54.7172% | 7,256 |
| Assets per employee ($millions) | 3.1442% | 5,732 |
| Cash dividends to net income (ytd only)* | 86.3584% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,334 |
| Loan loss allowance to noncurrent loans | 83.4402% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 4,032 |
| Noncurrent loans to loans | 1.5439% | 4,180 |
| Net loans and leases to total assets | 75.2148% | 2,390 |
| Net loans and leases to deposits | 87.6321% | 3,232 |
| Net loans and leases to core deposits | 99.1500% | 4,586 |
| Total domestic deposits to total assets | 85.8302% | 2,871 |
| Equity capital to assets | 11.2087% | 2,747 |
| Core capital (leverage) ratio | 8.7610% | 4,991 |
| Tier 1 risk-based capital ratio | 10.7983% | 6,083 |
| Total risk-based capital ratio | 12.0210% | 6,048 |
| Memoranda: | ||
| Average total assets | $1,413,919,000 | 506 |
| Average earning assets | $1,289,670,330 | 500 |
| Average equity | $158,816,670 | 450 |
| Average total loans | $1,079,216,000 | 485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6854% | 3,876 |
| Cost of funding earning assets | 1.7551% | 5,333 |
| Net interest margin | 3.9303% | 2,925 |
| Noninterest income to average assets | 1.4647% | 655 |
| Noninterest expense to average assets | 2.6832% | 5,087 |
| Loan and lease loss provision to assets | 0.5994% | 2,101 |
| Net operating income to assets | 1.7547% | 578 |
| Return on assets (ROA) | 2.2232% | 258 |
| Pretax return on assets | 2.2325% | 412 |
| Return on Equity (ROE) | 19.7720% | 439 |
| Retained earnings to average equity (ytd only) | 10.3651% | 1,104 |
| Net charge-offs to loans | 0.1517% | 3,747 |
| Credit loss provision to net charge-offs | 517.0316% | 1,055 |
| Earnings coverage of net charge-offs (x) | 20.3869% | 1,375 |
| Efficiency ratio | 53.1690% | 7,304 |
| Assets per employee ($millions) | 3.1275% | 5,820 |
| Cash dividends to net income (ytd only)* | 47.5768% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,435 |
| Loan loss allowance to noncurrent loans | 156.6482% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 5,088 |
| Noncurrent loans to loans | 0.7980% | 5,438 |
| Net loans and leases to total assets | 76.8641% | 2,073 |
| Net loans and leases to deposits | 89.8451% | 2,956 |
| Net loans and leases to core deposits | 103.2653% | 4,222 |
| Total domestic deposits to total assets | 85.5518% | 2,943 |
| Equity capital to assets | 11.5594% | 2,553 |
| Core capital (leverage) ratio | 8.9315% | 4,821 |
| Tier 1 risk-based capital ratio | 11.0418% | 5,869 |
| Total risk-based capital ratio | 12.2510% | 5,804 |
| Memoranda: | ||
| Average total assets | $1,418,149,500 | 508 |
| Average earning assets | $1,292,426,500 | 503 |
| Average equity | $159,458,000 | 444 |
| Average total loans | $1,083,369,500 | 485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2760% | 4,091 |
| Cost of funding earning assets | 2.6332% | 3,517 |
| Net interest margin | 3.6428% | 4,712 |
| Noninterest income to average assets | 1.1367% | 1,205 |
| Noninterest expense to average assets | 2.6553% | 5,426 |
| Loan and lease loss provision to assets | 0.2880% | 4,078 |
| Net operating income to assets | 1.4308% | 1,165 |
| Return on assets (ROA) | 1.3977% | 1,187 |
| Pretax return on assets | 1.4241% | 1,895 |
| Return on Equity (ROE) | 13.5024% | 1,212 |
| Retained earnings to average equity (ytd only) | 1.6192% | 4,237 |
| Net charge-offs to loans | 0.3977% | 2,825 |
| Credit loss provision to net charge-offs | 98.3572% | 5,437 |
| Earnings coverage of net charge-offs (x) | 5.9627% | 3,480 |
| Efficiency ratio | 60.3307% | 6,283 |
| Assets per employee ($millions) | 3.8749% | 3,798 |
| Cash dividends to net income (ytd only)* | 88.0083% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,314 |
| Loan loss allowance to noncurrent loans | 136.0174% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 4,681 |
| Noncurrent loans to loans | 0.8065% | 5,028 |
| Net loans and leases to total assets | 74.1733% | 3,068 |
| Net loans and leases to deposits | 90.2161% | 3,417 |
| Net loans and leases to core deposits | 105.4071% | 4,255 |
| Total domestic deposits to total assets | 82.2174% | 4,116 |
| Equity capital to assets | 10.9389% | 3,092 |
| Core capital (leverage) ratio | 8.5919% | 5,393 |
| Tier 1 risk-based capital ratio | 10.5542% | 6,152 |
| Total risk-based capital ratio | 11.6018% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,455,192,800 | 478 |
| Average earning assets | $1,304,107,670 | 486 |
| Average equity | $150,632,200 | 464 |
| Average total loans | $1,071,312,200 | 469 |