Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 3,043 |
| Cost of funding earning assets | 0.9117% | 3,493 |
| Net interest margin | 3.6174% | 1,938 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.2604% | 2,952 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1046% | 1,910 |
| Return on assets (ROA) | 0.9605% | 2,329 |
| Pretax return on assets | 1.1435% | 2,281 |
| Return on Equity (ROE) | 8.2800% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.0200% | 3,267 |
| Net charge-offs to loans | -0.0066% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.2365% | 2,948 |
| Assets per employee ($millions) | 8.9532% | 997 |
| Cash dividends to net income (ytd only)* | 63.5380% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 2,795 |
| Loan loss allowance to noncurrent loans | 833.1713% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,006 |
| Noncurrent loans to loans | 0.1329% | 2,844 |
| Net loans and leases to total assets | 59.7900% | 2,860 |
| Net loans and leases to deposits | 76.3518% | 2,421 |
| Net loans and leases to core deposits | 81.8180% | 2,599 |
| Total domestic deposits to total assets | 78.3000% | 3,693 |
| Equity capital to assets | 11.9425% | 1,144 |
| Core capital (leverage) ratio | 9.7503% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7922% | 1,938 |
| Memoranda: | ||
| Average total assets | $7,127,977,400 | 210 |
| Average earning assets | $6,280,845,800 | 213 |
| Average equity | $826,588,000 | 189 |
| Average total loans | $4,206,634,800 | 230 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 321,669.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,251,381.0000% | 1 |
| Cost of funding earning assets | 2,856.0000% | 6 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.1331% | 1,937 |
| Pretax return on assets | 1.3619% | 1,865 |
| Return on Equity (ROE) | 9.8500% | 2,682 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0042% | 2,338 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,608 |
| Efficiency ratio | 6.2970% | 4,583 |
| Assets per employee ($millions) | 0.5303% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0369% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 34,318.0000% | 1 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1,158.0000% | 1 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0004% | 4,488 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 23,684.0000% | 17 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,831,000 | 4,621 |
| Average earning assets | $7,483 | 4,595 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,975 |
| Cost of funding earning assets | 0.6415% | 3,653 |
| Net interest margin | 3.7223% | 1,779 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.2550% | 2,938 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1513% | 1,962 |
| Return on assets (ROA) | 1.1446% | 1,982 |
| Pretax return on assets | 1.3749% | 1,876 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.8237% | 3,246 |
| Net charge-offs to loans | 0.0135% | 1,686 |
| Credit loss provision to net charge-offs | 1,326.5233% | 336 |
| Earnings coverage of net charge-offs (x) | 189.5376% | 636 |
| Efficiency ratio | 59.3076% | 3,042 |
| Assets per employee ($millions) | 8.6937% | 1,006 |
| Cash dividends to net income (ytd only)* | 61.4628% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 2,993 |
| Loan loss allowance to noncurrent loans | 672.1900% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 2,851 |
| Noncurrent loans to loans | 0.1624% | 2,665 |
| Net loans and leases to total assets | 59.1400% | 2,855 |
| Net loans and leases to deposits | 74.9518% | 2,406 |
| Net loans and leases to core deposits | 77.7633% | 2,630 |
| Total domestic deposits to total assets | 78.9000% | 3,732 |
| Equity capital to assets | 11.5615% | 1,187 |
| Core capital (leverage) ratio | 9.6482% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6975% | 2,021 |
| Memoranda: | ||
| Average total assets | $7,107,383,000 | 205 |
| Average earning assets | $6,266,727,667 | 209 |
| Average equity | $819,883,667 | 184 |
| Average total loans | $4,143,475,333 | 228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,908 |
| Cost of funding earning assets | 0.4052% | 3,957 |
| Net interest margin | 3.8515% | 1,575 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2621% | 2,923 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2607% | 1,772 |
| Return on assets (ROA) | 1.2473% | 1,776 |
| Pretax return on assets | 1.5114% | 1,651 |
| Return on Equity (ROE) | 10.8300% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.9395% | 2,779 |
| Net charge-offs to loans | 0.0225% | 1,233 |
| Credit loss provision to net charge-offs | 744.7826% | 441 |
| Earnings coverage of net charge-offs (x) | 125.9087% | 682 |
| Efficiency ratio | 57.2156% | 3,278 |
| Assets per employee ($millions) | 8.8105% | 1,009 |
| Cash dividends to net income (ytd only)* | 45.1325% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,161 |
| Loan loss allowance to noncurrent loans | 621.1622% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,840 |
| Noncurrent loans to loans | 0.1734% | 2,612 |
| Net loans and leases to total assets | 56.4500% | 3,007 |
| Net loans and leases to deposits | 70.3930% | 2,575 |
| Net loans and leases to core deposits | 72.7082% | 2,764 |
| Total domestic deposits to total assets | 80.1900% | 3,735 |
| Equity capital to assets | 11.5206% | 1,148 |
| Core capital (leverage) ratio | 9.6933% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8656% | 2,025 |
| Memoranda: | ||
| Average total assets | $7,105,334,000 | 211 |
| Average earning assets | $6,264,377,500 | 215 |
| Average equity | $818,729,000 | 190 |
| Average total loans | $4,089,165,000 | 238 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 3,081 |
| Cost of funding earning assets | 0.1066% | 4,361 |
| Net interest margin | 3.3909% | 2,288 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0107% | 3,553 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.2050% | 1,749 |
| Return on assets (ROA) | 1.2021% | 1,700 |
| Pretax return on assets | 1.4651% | 1,558 |
| Return on Equity (ROE) | 10.6400% | 2,595 |
| Retained earnings to average equity (ytd only) | 5.2903% | 2,930 |
| Net charge-offs to loans | -0.0304% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0258% | 3,464 |
| Assets per employee ($millions) | 8.5821% | 1,060 |
| Cash dividends to net income (ytd only)* | 50.2817% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,077 |
| Loan loss allowance to noncurrent loans | 571.5463% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 2,773 |
| Noncurrent loans to loans | 0.1857% | 2,561 |
| Net loans and leases to total assets | 57.4400% | 2,877 |
| Net loans and leases to deposits | 67.4980% | 2,768 |
| Net loans and leases to core deposits | 68.6949% | 2,966 |
| Total domestic deposits to total assets | 85.1000% | 2,969 |
| Equity capital to assets | 11.5249% | 1,078 |
| Core capital (leverage) ratio | 9.4424% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7213% | 2,082 |
| Memoranda: | ||
| Average total assets | $7,279,457,000 | 207 |
| Average earning assets | $6,503,445,600 | 205 |
| Average equity | $822,397,800 | 187 |
| Average total loans | $3,913,397,200 | 229 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 3,274 |
| Cost of funding earning assets | 0.0894% | 4,350 |
| Net interest margin | 3.1741% | 2,701 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9424% | 3,646 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.1506% | 1,891 |
| Return on assets (ROA) | 1.1506% | 1,864 |
| Pretax return on assets | 1.3928% | 1,736 |
| Return on Equity (ROE) | 10.2300% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.7512% | 3,176 |
| Net charge-offs to loans | -0.0337% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0035% | 3,382 |
| Assets per employee ($millions) | 9.0750% | 871 |
| Cash dividends to net income (ytd only)* | 53.5695% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,242 |
| Loan loss allowance to noncurrent loans | 672.9933% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,063 |
| Noncurrent loans to loans | 0.1563% | 2,826 |
| Net loans and leases to total assets | 55.0200% | 3,002 |
| Net loans and leases to deposits | 63.3730% | 2,913 |
| Net loans and leases to core deposits | 64.2079% | 3,093 |
| Total domestic deposits to total assets | 86.8100% | 2,827 |
| Equity capital to assets | 10.9072% | 1,212 |
| Core capital (leverage) ratio | 8.9721% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7945% | 2,132 |
| Memoranda: | ||
| Average total assets | $7,355,005,750 | 205 |
| Average earning assets | $6,595,555,500 | 203 |
| Average equity | $826,966,500 | 185 |
| Average total loans | $3,879,032,000 | 229 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 3,533 |
| Cost of funding earning assets | 0.0872% | 4,314 |
| Net interest margin | 2.9246% | 3,105 |
| Noninterest income to average assets | 0.4410% | 2,501 |
| Noninterest expense to average assets | 1.8688% | 3,782 |
| Loan and lease loss provision to assets | -0.1291% | 4,630 |
| Net operating income to assets | 1.1074% | 1,747 |
| Return on assets (ROA) | 1.1074% | 1,725 |
| Pretax return on assets | 1.3315% | 1,639 |
| Return on Equity (ROE) | 9.7544% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.0467% | 3,066 |
| Net charge-offs to loans | -0.0264% | 3,997 |
| Credit loss provision to net charge-offs | 626.6798% | 551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6106% | 3,345 |
| Assets per employee ($millions) | 9.5595% | 741 |
| Cash dividends to net income (ytd only)* | 58.5138% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,495 |
| Loan loss allowance to noncurrent loans | 317.2888% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,505 |
| Noncurrent loans to loans | 0.3228% | 2,188 |
| Net loans and leases to total assets | 52.4502% | 3,114 |
| Net loans and leases to deposits | 60.5186% | 3,019 |
| Net loans and leases to core deposits | 61.3475% | 3,172 |
| Total domestic deposits to total assets | 86.6678% | 3,049 |
| Equity capital to assets | 11.1541% | 1,149 |
| Core capital (leverage) ratio | 8.7910% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1444% | 1,999 |
| Memoranda: | ||
| Average total assets | $7,407,862,333 | 199 |
| Average earning assets | $6,662,219,667 | 203 |
| Average equity | $840,977,667 | 183 |
| Average total loans | $3,838,277,667 | 226 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 3,557 |
| Cost of funding earning assets | 0.0867% | 4,285 |
| Net interest margin | 2.8042% | 3,125 |
| Noninterest income to average assets | 0.4785% | 2,249 |
| Noninterest expense to average assets | 1.8527% | 3,804 |
| Loan and lease loss provision to assets | -0.1919% | 4,682 |
| Net operating income to assets | 1.1340% | 1,428 |
| Return on assets (ROA) | 1.1340% | 1,422 |
| Pretax return on assets | 1.3467% | 1,389 |
| Return on Equity (ROE) | 9.9037% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.2178% | 2,505 |
| Net charge-offs to loans | -0.0517% | 4,269 |
| Credit loss provision to net charge-offs | 510.5263% | 510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3472% | 3,448 |
| Assets per employee ($millions) | 9.9611% | 688 |
| Cash dividends to net income (ytd only)* | 47.3149% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,506 |
| Loan loss allowance to noncurrent loans | 226.0185% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,209 |
| Noncurrent loans to loans | 0.4669% | 1,855 |
| Net loans and leases to total assets | 50.5560% | 3,121 |
| Net loans and leases to deposits | 58.2371% | 3,052 |
| Net loans and leases to core deposits | 59.0986% | 3,226 |
| Total domestic deposits to total assets | 86.8106% | 2,997 |
| Equity capital to assets | 11.1937% | 1,242 |
| Core capital (leverage) ratio | 8.7119% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5571% | 1,968 |
| Memoranda: | ||
| Average total assets | $7,455,294,000 | 196 |
| Average earning assets | $6,723,679,500 | 200 |
| Average equity | $853,617,500 | 188 |
| Average total loans | $3,819,729,000 | 228 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 3,048 |
| Cost of funding earning assets | 0.0995% | 4,387 |
| Net interest margin | 3.2520% | 2,459 |
| Noninterest income to average assets | 0.5052% | 2,542 |
| Noninterest expense to average assets | 2.0438% | 3,545 |
| Loan and lease loss provision to assets | -0.4146% | 4,809 |
| Net operating income to assets | 1.4545% | 1,123 |
| Return on assets (ROA) | 1.4548% | 1,196 |
| Pretax return on assets | 1.7918% | 934 |
| Return on Equity (ROE) | 12.1123% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.7060% | 2,034 |
| Net charge-offs to loans | 0.0125% | 2,093 |
| Credit loss provision to net charge-offs | -5,189.7338% | 4,171 |
| Earnings coverage of net charge-offs (x) | 185.4087% | 568 |
| Efficiency ratio | 58.4667% | 3,369 |
| Assets per employee ($millions) | 9.6868% | 735 |
| Cash dividends to net income (ytd only)* | 44.6351% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,318 |
| Loan loss allowance to noncurrent loans | 176.1592% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,946 |
| Noncurrent loans to loans | 0.6300% | 1,576 |
| Net loans and leases to total assets | 50.8059% | 3,192 |
| Net loans and leases to deposits | 59.0011% | 3,172 |
| Net loans and leases to core deposits | 59.9359% | 3,316 |
| Total domestic deposits to total assets | 86.1100% | 2,860 |
| Equity capital to assets | 11.7077% | 1,389 |
| Core capital (leverage) ratio | 8.6232% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6954% | 1,975 |
| Memoranda: | ||
| Average total assets | $7,083,758,800 | 206 |
| Average earning assets | $6,350,393,400 | 205 |
| Average equity | $850,856,200 | 188 |
| Average total loans | $4,212,035,200 | 216 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 2,908 |
| Cost of funding earning assets | 0.1026% | 4,478 |
| Net interest margin | 3.3746% | 2,222 |
| Noninterest income to average assets | 0.4887% | 2,674 |
| Noninterest expense to average assets | 2.0470% | 3,533 |
| Loan and lease loss provision to assets | -0.4637% | 4,877 |
| Net operating income to assets | 1.5699% | 1,101 |
| Return on assets (ROA) | 1.5703% | 1,149 |
| Pretax return on assets | 1.9247% | 906 |
| Return on Equity (ROE) | 12.9867% | 1,696 |
| Retained earnings to average equity (ytd only) | 6.0532% | 2,794 |
| Net charge-offs to loans | 0.0019% | 2,336 |
| Credit loss provision to net charge-offs | -36,346.6667% | 4,256 |
| Earnings coverage of net charge-offs (x) | 1,277.4500% | 125 |
| Efficiency ratio | 57.0828% | 3,408 |
| Assets per employee ($millions) | 8.9685% | 902 |
| Cash dividends to net income (ytd only)* | 53.3896% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,888 |
| Loan loss allowance to noncurrent loans | 186.5954% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 2,006 |
| Noncurrent loans to loans | 0.6545% | 1,675 |
| Net loans and leases to total assets | 53.8650% | 2,986 |
| Net loans and leases to deposits | 62.6421% | 2,983 |
| Net loans and leases to core deposits | 63.7073% | 3,166 |
| Total domestic deposits to total assets | 85.9885% | 2,748 |
| Equity capital to assets | 11.8055% | 1,488 |
| Core capital (leverage) ratio | 8.6127% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4868% | 2,171 |
| Memoranda: | ||
| Average total assets | $6,997,247,500 | 207 |
| Average earning assets | $6,259,386,750 | 207 |
| Average equity | $846,104,750 | 188 |
| Average total loans | $4,310,759,500 | 212 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 2,709 |
| Cost of funding earning assets | 0.1080% | 4,519 |
| Net interest margin | 3.4643% | 1,966 |
| Noninterest income to average assets | 0.4955% | 2,637 |
| Noninterest expense to average assets | 2.0670% | 3,494 |
| Loan and lease loss provision to assets | -0.6131% | 4,926 |
| Net operating income to assets | 1.7511% | 798 |
| Return on assets (ROA) | 1.7517% | 843 |
| Pretax return on assets | 2.1350% | 648 |
| Return on Equity (ROE) | 14.3678% | 1,316 |
| Retained earnings to average equity (ytd only) | 10.5701% | 1,226 |
| Net charge-offs to loans | -0.0150% | 3,858 |
| Credit loss provision to net charge-offs | 5,692.4925% | 116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3223% | 3,502 |
| Assets per employee ($millions) | 8.6687% | 963 |
| Cash dividends to net income (ytd only)* | 26.4319% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,796 |
| Loan loss allowance to noncurrent loans | 144.7273% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,660 |
| Noncurrent loans to loans | 0.8462% | 1,457 |
| Net loans and leases to total assets | 58.5759% | 2,593 |
| Net loans and leases to deposits | 68.3606% | 2,583 |
| Net loans and leases to core deposits | 69.6367% | 2,817 |
| Total domestic deposits to total assets | 85.6867% | 2,842 |
| Equity capital to assets | 12.1696% | 1,288 |
| Core capital (leverage) ratio | 8.8750% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7876% | 2,060 |
| Memoranda: | ||
| Average total assets | $6,911,148,000 | 209 |
| Average earning assets | $6,169,653,000 | 209 |
| Average equity | $842,621,333 | 188 |
| Average total loans | $4,428,839,333 | 208 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 2,721 |
| Cost of funding earning assets | 0.1168% | 4,541 |
| Net interest margin | 3.4573% | 1,942 |
| Noninterest income to average assets | 0.4991% | 2,618 |
| Noninterest expense to average assets | 2.1209% | 3,357 |
| Loan and lease loss provision to assets | -0.4224% | 4,901 |
| Net operating income to assets | 1.5575% | 1,200 |
| Return on assets (ROA) | 1.5590% | 1,262 |
| Pretax return on assets | 1.8783% | 1,149 |
| Return on Equity (ROE) | 12.7741% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.9277% | 1,969 |
| Net charge-offs to loans | -0.0154% | 3,871 |
| Credit loss provision to net charge-offs | 3,505.7143% | 160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0170% | 3,296 |
| Assets per employee ($millions) | 8.4006% | 1,034 |
| Cash dividends to net income (ytd only)* | 30.1114% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,978 |
| Loan loss allowance to noncurrent loans | 121.4818% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 1,214 |
| Noncurrent loans to loans | 1.1486% | 1,166 |
| Net loans and leases to total assets | 64.6234% | 1,966 |
| Net loans and leases to deposits | 75.1130% | 2,006 |
| Net loans and leases to core deposits | 76.5281% | 2,304 |
| Total domestic deposits to total assets | 86.0349% | 2,726 |
| Equity capital to assets | 11.8959% | 1,337 |
| Core capital (leverage) ratio | 8.9082% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1992% | 2,205 |
| Memoranda: | ||
| Average total assets | $6,816,880,000 | 207 |
| Average earning assets | $6,064,987,000 | 211 |
| Average equity | $831,931,000 | 189 |
| Average total loans | $4,538,124,500 | 206 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 2,915 |
| Cost of funding earning assets | 0.2286% | 4,473 |
| Net interest margin | 3.7076% | 1,774 |
| Noninterest income to average assets | 0.5971% | 2,222 |
| Noninterest expense to average assets | 2.3326% | 3,318 |
| Loan and lease loss provision to assets | 0.5825% | 357 |
| Net operating income to assets | 0.8126% | 3,042 |
| Return on assets (ROA) | 0.8339% | 3,093 |
| Pretax return on assets | 0.9634% | 3,165 |
| Return on Equity (ROE) | 6.3571% | 3,467 |
| Retained earnings to average equity (ytd only) | 1.5599% | 4,010 |
| Net charge-offs to loans | 0.0756% | 1,730 |
| Credit loss provision to net charge-offs | 1,093.2737% | 735 |
| Earnings coverage of net charge-offs (x) | 29.0969% | 1,638 |
| Efficiency ratio | 59.0469% | 3,584 |
| Assets per employee ($millions) | 7.7592% | 1,139 |
| Cash dividends to net income (ytd only)* | 75.4624% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,374 |
| Loan loss allowance to noncurrent loans | 120.8045% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,136 |
| Noncurrent loans to loans | 1.2987% | 1,051 |
| Net loans and leases to total assets | 66.6086% | 2,007 |
| Net loans and leases to deposits | 78.3263% | 2,037 |
| Net loans and leases to core deposits | 80.0503% | 2,358 |
| Total domestic deposits to total assets | 85.0399% | 2,745 |
| Equity capital to assets | 12.5313% | 1,305 |
| Core capital (leverage) ratio | 8.8232% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7712% | 2,322 |
| Memoranda: | ||
| Average total assets | $6,198,100,800 | 213 |
| Average earning assets | $5,444,735,000 | 220 |
| Average equity | $813,008,600 | 187 |
| Average total loans | $4,289,654,200 | 211 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,018 |
| Cost of funding earning assets | 0.2599% | 4,474 |
| Net interest margin | 3.7248% | 1,858 |
| Noninterest income to average assets | 0.5580% | 2,360 |
| Noninterest expense to average assets | 2.3434% | 3,306 |
| Loan and lease loss provision to assets | 0.8584% | 197 |
| Net operating income to assets | 0.5560% | 3,893 |
| Return on assets (ROA) | 0.5848% | 3,917 |
| Pretax return on assets | 0.6527% | 4,000 |
| Return on Equity (ROE) | 4.4053% | 4,061 |
| Retained earnings to average equity (ytd only) | -0.7029% | 4,580 |
| Net charge-offs to loans | 0.0904% | 1,403 |
| Credit loss provision to net charge-offs | 1,328.1793% | 682 |
| Earnings coverage of net charge-offs (x) | 23.4937% | 1,793 |
| Efficiency ratio | 59.7790% | 3,417 |
| Assets per employee ($millions) | 7.8151% | 1,071 |
| Cash dividends to net income (ytd only)* | 115.9566% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,186 |
| Loan loss allowance to noncurrent loans | 139.4111% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,470 |
| Noncurrent loans to loans | 1.1253% | 1,347 |
| Net loans and leases to total assets | 68.8669% | 2,128 |
| Net loans and leases to deposits | 80.5541% | 2,256 |
| Net loans and leases to core deposits | 82.6156% | 2,610 |
| Total domestic deposits to total assets | 85.4914% | 2,249 |
| Equity capital to assets | 12.1472% | 1,603 |
| Core capital (leverage) ratio | 8.6355% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1569% | 2,557 |
| Memoranda: | ||
| Average total assets | $6,094,914,000 | 211 |
| Average earning assets | $5,341,678,500 | 220 |
| Average equity | $809,154,500 | 185 |
| Average total loans | $4,243,673,000 | 211 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,880 |
| Cost of funding earning assets | 0.2999% | 4,484 |
| Net interest margin | 3.8603% | 1,667 |
| Noninterest income to average assets | 0.5779% | 2,219 |
| Noninterest expense to average assets | 2.4459% | 3,120 |
| Loan and lease loss provision to assets | 1.2378% | 132 |
| Net operating income to assets | 0.2538% | 4,503 |
| Return on assets (ROA) | 0.3001% | 4,462 |
| Pretax return on assets | 0.3111% | 4,520 |
| Return on Equity (ROE) | 2.1902% | 4,496 |
| Retained earnings to average equity (ytd only) | -3.5006% | 4,692 |
| Net charge-offs to loans | 0.1169% | 1,146 |
| Credit loss provision to net charge-offs | 1,497.9141% | 605 |
| Earnings coverage of net charge-offs (x) | 18.4656% | 1,764 |
| Efficiency ratio | 60.4251% | 3,357 |
| Assets per employee ($millions) | 7.4835% | 1,187 |
| Cash dividends to net income (ytd only)* | 259.8283% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,174 |
| Loan loss allowance to noncurrent loans | 212.6044% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,302 |
| Noncurrent loans to loans | 0.7201% | 2,077 |
| Net loans and leases to total assets | 70.0687% | 2,017 |
| Net loans and leases to deposits | 82.3050% | 2,170 |
| Net loans and leases to core deposits | 84.8066% | 2,542 |
| Total domestic deposits to total assets | 85.1330% | 2,338 |
| Equity capital to assets | 12.2285% | 1,524 |
| Core capital (leverage) ratio | 9.9901% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8394% | 2,675 |
| Memoranda: | ||
| Average total assets | $5,899,240,667 | 214 |
| Average earning assets | $5,147,793,000 | 223 |
| Average equity | $808,317,000 | 186 |
| Average total loans | $4,099,904,000 | 214 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 2,615 |
| Cost of funding earning assets | 0.3528% | 4,510 |
| Net interest margin | 4.0478% | 1,261 |
| Noninterest income to average assets | 0.6310% | 1,900 |
| Noninterest expense to average assets | 2.5856% | 3,022 |
| Loan and lease loss provision to assets | 0.5709% | 493 |
| Net operating income to assets | 0.9129% | 2,480 |
| Return on assets (ROA) | 0.9806% | 2,347 |
| Pretax return on assets | 1.0557% | 2,651 |
| Return on Equity (ROE) | 6.7303% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.2786% | 2,966 |
| Net charge-offs to loans | 0.0437% | 1,594 |
| Credit loss provision to net charge-offs | 2,389.4484% | 305 |
| Earnings coverage of net charge-offs (x) | 51.8609% | 876 |
| Efficiency ratio | 60.8960% | 3,630 |
| Assets per employee ($millions) | 6.3672% | 1,423 |
| Cash dividends to net income (ytd only)* | 51.2858% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,497 |
| Loan loss allowance to noncurrent loans | 139.1483% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 2,127 |
| Noncurrent loans to loans | 0.8860% | 1,841 |
| Net loans and leases to total assets | 68.2061% | 2,510 |
| Net loans and leases to deposits | 82.2993% | 2,417 |
| Net loans and leases to core deposits | 85.7322% | 2,703 |
| Total domestic deposits to total assets | 82.8757% | 3,146 |
| Equity capital to assets | 14.6073% | 859 |
| Core capital (leverage) ratio | 10.3870% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4367% | 2,954 |
| Memoranda: | ||
| Average total assets | $5,567,357,000 | 218 |
| Average earning assets | $4,825,317,000 | 227 |
| Average equity | $811,197,000 | 184 |
| Average total loans | $3,814,798,000 | 223 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 2,599 |
| Cost of funding earning assets | 0.3563% | 4,583 |
| Net interest margin | 4.2479% | 1,212 |
| Noninterest income to average assets | 0.6011% | 2,211 |
| Noninterest expense to average assets | 2.6275% | 3,100 |
| Loan and lease loss provision to assets | 0.0796% | 2,405 |
| Net operating income to assets | 1.3274% | 1,591 |
| Return on assets (ROA) | 1.3325% | 1,655 |
| Pretax return on assets | 1.6096% | 1,456 |
| Return on Equity (ROE) | 9.1043% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.1765% | 3,428 |
| Net charge-offs to loans | 0.0856% | 1,893 |
| Credit loss provision to net charge-offs | 135.4808% | 1,893 |
| Earnings coverage of net charge-offs (x) | 28.6552% | 1,624 |
| Efficiency ratio | 59.2415% | 3,808 |
| Assets per employee ($millions) | 6.2437% | 1,454 |
| Cash dividends to net income (ytd only)* | 65.1096% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,705 |
| Loan loss allowance to noncurrent loans | 81.2302% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,583 |
| Noncurrent loans to loans | 1.1801% | 1,281 |
| Net loans and leases to total assets | 67.3293% | 2,783 |
| Net loans and leases to deposits | 80.9227% | 2,671 |
| Net loans and leases to core deposits | 84.2218% | 2,927 |
| Total domestic deposits to total assets | 83.2020% | 3,138 |
| Equity capital to assets | 14.5337% | 920 |
| Core capital (leverage) ratio | 10.2006% | 3,300 |
| Tier 1 risk-based capital ratio | 11.4849% | 4,635 |
| Total risk-based capital ratio | 12.2628% | 4,758 |
| Memoranda: | ||
| Average total assets | $5,417,480,600 | 211 |
| Average earning assets | $4,730,906,200 | 219 |
| Average equity | $792,878,600 | 184 |
| Average total loans | $3,717,408,600 | 220 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 2,596 |
| Cost of funding earning assets | 0.3493% | 4,659 |
| Net interest margin | 4.2920% | 1,177 |
| Noninterest income to average assets | 0.5791% | 2,311 |
| Noninterest expense to average assets | 2.6610% | 2,977 |
| Loan and lease loss provision to assets | 0.0682% | 2,518 |
| Net operating income to assets | 1.3264% | 1,745 |
| Return on assets (ROA) | 1.3331% | 1,782 |
| Pretax return on assets | 1.6110% | 1,595 |
| Return on Equity (ROE) | 9.0925% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.5323% | 3,127 |
| Net charge-offs to loans | 0.0460% | 2,177 |
| Credit loss provision to net charge-offs | 215.5834% | 1,239 |
| Earnings coverage of net charge-offs (x) | 52.8435% | 1,144 |
| Efficiency ratio | 59.6958% | 3,696 |
| Assets per employee ($millions) | 6.2695% | 1,412 |
| Cash dividends to net income (ytd only)* | 50.1532% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 3,697 |
| Loan loss allowance to noncurrent loans | 87.9952% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 1,791 |
| Noncurrent loans to loans | 1.1106% | 1,429 |
| Net loans and leases to total assets | 67.1407% | 2,908 |
| Net loans and leases to deposits | 80.7563% | 2,824 |
| Net loans and leases to core deposits | 84.1073% | 3,086 |
| Total domestic deposits to total assets | 83.1399% | 3,115 |
| Equity capital to assets | 14.7075% | 926 |
| Core capital (leverage) ratio | 10.5664% | 3,044 |
| Tier 1 risk-based capital ratio | 11.7703% | 4,537 |
| Total risk-based capital ratio | 12.5679% | 4,655 |
| Memoranda: | ||
| Average total assets | $5,384,178,250 | 214 |
| Average earning assets | $4,707,862,250 | 218 |
| Average equity | $789,418,750 | 186 |
| Average total loans | $3,703,407,750 | 222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 2,492 |
| Cost of funding earning assets | 0.3425% | 4,702 |
| Net interest margin | 4.3146% | 1,108 |
| Noninterest income to average assets | 0.5620% | 2,332 |
| Noninterest expense to average assets | 2.6864% | 2,951 |
| Loan and lease loss provision to assets | 0.0856% | 2,132 |
| Net operating income to assets | 1.3006% | 1,767 |
| Return on assets (ROA) | 1.3021% | 1,827 |
| Pretax return on assets | 1.5727% | 1,628 |
| Return on Equity (ROE) | 8.8902% | 2,902 |
| Retained earnings to average equity (ytd only) | 5.0558% | 2,743 |
| Net charge-offs to loans | 0.0523% | 1,898 |
| Credit loss provision to net charge-offs | 236.7495% | 1,065 |
| Earnings coverage of net charge-offs (x) | 45.8023% | 1,161 |
| Efficiency ratio | 60.0893% | 3,718 |
| Assets per employee ($millions) | 6.1263% | 1,457 |
| Cash dividends to net income (ytd only)* | 43.1307% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,755 |
| Loan loss allowance to noncurrent loans | 188.3020% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,979 |
| Noncurrent loans to loans | 0.5188% | 2,725 |
| Net loans and leases to total assets | 68.5984% | 2,739 |
| Net loans and leases to deposits | 84.2897% | 2,462 |
| Net loans and leases to core deposits | 87.8009% | 2,817 |
| Total domestic deposits to total assets | 81.3841% | 3,697 |
| Equity capital to assets | 14.9027% | 841 |
| Core capital (leverage) ratio | 10.5169% | 3,069 |
| Tier 1 risk-based capital ratio | 11.8745% | 4,488 |
| Total risk-based capital ratio | 12.6877% | 4,610 |
| Memoranda: | ||
| Average total assets | $5,341,948,330 | 218 |
| Average earning assets | $4,681,281,000 | 221 |
| Average equity | $782,387,330 | 188 |
| Average total loans | $3,692,359,000 | 224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 2,528 |
| Cost of funding earning assets | 0.3140% | 4,806 |
| Net interest margin | 4.2870% | 1,117 |
| Noninterest income to average assets | 0.5694% | 2,186 |
| Noninterest expense to average assets | 2.6719% | 2,990 |
| Loan and lease loss provision to assets | 0.0691% | 2,275 |
| Net operating income to assets | 1.3257% | 1,609 |
| Return on assets (ROA) | 1.3266% | 1,648 |
| Pretax return on assets | 1.5938% | 1,487 |
| Return on Equity (ROE) | 9.1387% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.5176% | 2,691 |
| Net charge-offs to loans | -0.0207% | 4,500 |
| Credit loss provision to net charge-offs | -484.2105% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8780% | 3,822 |
| Assets per employee ($millions) | 6.0393% | 1,516 |
| Cash dividends to net income (ytd only)* | 39.6241% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,838 |
| Loan loss allowance to noncurrent loans | 203.6503% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,125 |
| Noncurrent loans to loans | 0.4799% | 2,875 |
| Net loans and leases to total assets | 68.6159% | 2,674 |
| Net loans and leases to deposits | 82.8569% | 2,523 |
| Net loans and leases to core deposits | 86.8220% | 2,793 |
| Total domestic deposits to total assets | 82.8125% | 3,455 |
| Equity capital to assets | 14.6547% | 835 |
| Core capital (leverage) ratio | 10.3677% | 3,201 |
| Tier 1 risk-based capital ratio | 11.8628% | 4,532 |
| Total risk-based capital ratio | 12.6861% | 4,679 |
| Memoranda: | ||
| Average total assets | $5,326,554,500 | 219 |
| Average earning assets | $4,677,069,500 | 222 |
| Average equity | $773,238,500 | 191 |
| Average total loans | $3,677,551,000 | 227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 1,836 |
| Cost of funding earning assets | 0.2631% | 4,741 |
| Net interest margin | 4.4324% | 878 |
| Noninterest income to average assets | 0.6656% | 1,985 |
| Noninterest expense to average assets | 2.9632% | 2,156 |
| Loan and lease loss provision to assets | 0.1062% | 2,079 |
| Net operating income to assets | 1.2243% | 2,066 |
| Return on assets (ROA) | 1.2266% | 2,054 |
| Pretax return on assets | 1.4949% | 1,798 |
| Return on Equity (ROE) | 8.9576% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.4228% | 3,101 |
| Net charge-offs to loans | 0.0648% | 2,196 |
| Credit loss provision to net charge-offs | 236.0331% | 1,253 |
| Earnings coverage of net charge-offs (x) | 35.5315% | 1,433 |
| Efficiency ratio | 63.2291% | 3,297 |
| Assets per employee ($millions) | 6.1867% | 1,396 |
| Cash dividends to net income (ytd only)* | 50.6252% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,923 |
| Loan loss allowance to noncurrent loans | 245.9088% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,349 |
| Noncurrent loans to loans | 0.3898% | 3,137 |
| Net loans and leases to total assets | 68.1301% | 2,865 |
| Net loans and leases to deposits | 81.2291% | 2,828 |
| Net loans and leases to core deposits | 83.9417% | 3,100 |
| Total domestic deposits to total assets | 83.8741% | 3,039 |
| Equity capital to assets | 14.3780% | 872 |
| Core capital (leverage) ratio | 10.1110% | 3,448 |
| Tier 1 risk-based capital ratio | 11.7409% | 4,600 |
| Total risk-based capital ratio | 12.5483% | 4,723 |
| Memoranda: | ||
| Average total assets | $4,831,049,200 | 231 |
| Average earning assets | $4,246,154,800 | 236 |
| Average equity | $661,552,000 | 201 |
| Average total loans | $3,354,896,000 | 232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,824 |
| Cost of funding earning assets | 0.2545% | 4,761 |
| Net interest margin | 4.3978% | 904 |
| Noninterest income to average assets | 0.6663% | 1,992 |
| Noninterest expense to average assets | 3.0197% | 1,959 |
| Loan and lease loss provision to assets | 0.1123% | 1,805 |
| Net operating income to assets | 1.1748% | 2,338 |
| Return on assets (ROA) | 1.1780% | 2,331 |
| Pretax return on assets | 1.4047% | 2,207 |
| Return on Equity (ROE) | 8.7255% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.5321% | 3,481 |
| Net charge-offs to loans | 0.0642% | 1,914 |
| Credit loss provision to net charge-offs | 251.3942% | 1,171 |
| Earnings coverage of net charge-offs (x) | 33.8764% | 1,503 |
| Efficiency ratio | 64.9281% | 3,045 |
| Assets per employee ($millions) | 6.0048% | 1,483 |
| Cash dividends to net income (ytd only)* | 48.0584% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,068 |
| Loan loss allowance to noncurrent loans | 231.2207% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,404 |
| Noncurrent loans to loans | 0.4084% | 3,188 |
| Net loans and leases to total assets | 68.5953% | 2,852 |
| Net loans and leases to deposits | 81.7385% | 2,850 |
| Net loans and leases to core deposits | 85.0432% | 3,080 |
| Total domestic deposits to total assets | 83.9204% | 2,975 |
| Equity capital to assets | 14.2108% | 899 |
| Core capital (leverage) ratio | 10.0313% | 3,601 |
| Tier 1 risk-based capital ratio | 11.4669% | 4,804 |
| Total risk-based capital ratio | 12.2574% | 4,928 |
| Memoranda: | ||
| Average total assets | $4,710,224,000 | 234 |
| Average earning assets | $4,141,200,000 | 239 |
| Average equity | $635,915,750 | 204 |
| Average total loans | $3,279,691,250 | 234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,066 |
| Cost of funding earning assets | 0.2379% | 4,812 |
| Net interest margin | 4.2718% | 1,105 |
| Noninterest income to average assets | 0.6746% | 1,980 |
| Noninterest expense to average assets | 3.0471% | 1,915 |
| Loan and lease loss provision to assets | 0.1283% | 1,546 |
| Net operating income to assets | 1.0697% | 2,717 |
| Return on assets (ROA) | 1.0717% | 2,707 |
| Pretax return on assets | 1.2726% | 2,626 |
| Return on Equity (ROE) | 8.1033% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.7566% | 3,720 |
| Net charge-offs to loans | 0.0644% | 1,703 |
| Credit loss provision to net charge-offs | 285.6299% | 1,044 |
| Earnings coverage of net charge-offs (x) | 31.1299% | 1,465 |
| Efficiency ratio | 66.9584% | 2,830 |
| Assets per employee ($millions) | 5.8794% | 1,565 |
| Cash dividends to net income (ytd only)* | 53.6414% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,720 |
| Loan loss allowance to noncurrent loans | 183.6523% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 3,160 |
| Noncurrent loans to loans | 0.5552% | 2,748 |
| Net loans and leases to total assets | 68.9099% | 2,737 |
| Net loans and leases to deposits | 82.6117% | 2,701 |
| Net loans and leases to core deposits | 85.8837% | 2,932 |
| Total domestic deposits to total assets | 83.4143% | 3,279 |
| Equity capital to assets | 13.4399% | 1,125 |
| Core capital (leverage) ratio | 10.0139% | 3,563 |
| Tier 1 risk-based capital ratio | 11.3183% | 4,886 |
| Total risk-based capital ratio | 12.1715% | 4,986 |
| Memoranda: | ||
| Average total assets | $4,522,907,670 | 239 |
| Average earning assets | $3,992,762,330 | 240 |
| Average equity | $598,148,000 | 212 |
| Average total loans | $3,155,943,000 | 239 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,991 |
| Cost of funding earning assets | 0.2195% | 4,897 |
| Net interest margin | 4.2403% | 1,078 |
| Noninterest income to average assets | 0.6923% | 1,864 |
| Noninterest expense to average assets | 3.1276% | 1,746 |
| Loan and lease loss provision to assets | 0.1049% | 1,771 |
| Net operating income to assets | 1.0205% | 2,778 |
| Return on assets (ROA) | 1.0232% | 2,785 |
| Pretax return on assets | 1.2147% | 2,695 |
| Return on Equity (ROE) | 7.8059% | 3,463 |
| Retained earnings to average equity (ytd only) | 2.9415% | 4,020 |
| Net charge-offs to loans | -0.0030% | 3,873 |
| Credit loss provision to net charge-offs | -5,008.6957% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7477% | 2,711 |
| Assets per employee ($millions) | 5.8699% | 1,629 |
| Cash dividends to net income (ytd only)* | 62.3164% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,874 |
| Loan loss allowance to noncurrent loans | 186.8910% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 3,307 |
| Noncurrent loans to loans | 0.5418% | 2,904 |
| Net loans and leases to total assets | 69.5856% | 2,549 |
| Net loans and leases to deposits | 82.8207% | 2,516 |
| Net loans and leases to core deposits | 87.4523% | 2,685 |
| Total domestic deposits to total assets | 84.0195% | 3,322 |
| Equity capital to assets | 13.6670% | 988 |
| Core capital (leverage) ratio | 10.0164% | 3,517 |
| Tier 1 risk-based capital ratio | 11.4202% | 4,900 |
| Total risk-based capital ratio | 12.2779% | 5,019 |
| Memoranda: | ||
| Average total assets | $4,391,444,500 | 243 |
| Average earning assets | $3,885,485,000 | 243 |
| Average equity | $575,617,500 | 218 |
| Average total loans | $3,067,971,500 | 245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,783 |
| Cost of funding earning assets | 0.2076% | 4,886 |
| Net interest margin | 3.9676% | 1,856 |
| Noninterest income to average assets | 0.9245% | 1,204 |
| Noninterest expense to average assets | 2.7009% | 3,124 |
| Loan and lease loss provision to assets | 0.1061% | 2,112 |
| Net operating income to assets | 1.0493% | 2,053 |
| Return on assets (ROA) | 1.0494% | 2,084 |
| Pretax return on assets | 1.6490% | 1,161 |
| Return on Equity (ROE) | 8.3049% | 2,646 |
| Retained earnings to average equity (ytd only) | 3.7303% | 2,992 |
| Net charge-offs to loans | 0.1171% | 1,873 |
| Credit loss provision to net charge-offs | 131.1781% | 2,007 |
| Earnings coverage of net charge-offs (x) | 21.7050% | 1,887 |
| Efficiency ratio | 59.8898% | 4,284 |
| Assets per employee ($millions) | 5.5884% | 1,855 |
| Cash dividends to net income (ytd only)* | 55.0832% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,221 |
| Loan loss allowance to noncurrent loans | 236.0306% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,547 |
| Noncurrent loans to loans | 0.4768% | 3,080 |
| Net loans and leases to total assets | 68.6375% | 2,737 |
| Net loans and leases to deposits | 82.5875% | 2,657 |
| Net loans and leases to core deposits | 85.4709% | 2,946 |
| Total domestic deposits to total assets | 83.1088% | 3,524 |
| Equity capital to assets | 12.4080% | 1,570 |
| Core capital (leverage) ratio | 9.7450% | 3,750 |
| Tier 1 risk-based capital ratio | 11.3178% | 4,967 |
| Total risk-based capital ratio | 12.2585% | 5,023 |
| Memoranda: | ||
| Average total assets | $3,978,776,800 | 254 |
| Average earning assets | $3,541,310,600 | 256 |
| Average equity | $502,777,600 | 228 |
| Average total loans | $2,747,107,600 | 259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,961 |
| Cost of funding earning assets | 0.1982% | 4,990 |
| Net interest margin | 3.9104% | 2,006 |
| Noninterest income to average assets | 0.9219% | 1,210 |
| Noninterest expense to average assets | 2.7286% | 2,962 |
| Loan and lease loss provision to assets | 0.0974% | 2,159 |
| Net operating income to assets | 1.1488% | 1,887 |
| Return on assets (ROA) | 1.1528% | 1,918 |
| Pretax return on assets | 1.5821% | 1,482 |
| Return on Equity (ROE) | 9.0800% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.0886% | 2,822 |
| Net charge-offs to loans | 0.1257% | 1,527 |
| Credit loss provision to net charge-offs | 112.3587% | 2,115 |
| Earnings coverage of net charge-offs (x) | 19.3189% | 2,006 |
| Efficiency ratio | 61.2350% | 4,007 |
| Assets per employee ($millions) | 5.4226% | 1,997 |
| Cash dividends to net income (ytd only)* | 43.9586% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,380 |
| Loan loss allowance to noncurrent loans | 232.2485% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,651 |
| Noncurrent loans to loans | 0.4824% | 3,239 |
| Net loans and leases to total assets | 68.5116% | 2,772 |
| Net loans and leases to deposits | 82.9190% | 2,668 |
| Net loans and leases to core deposits | 85.6809% | 2,994 |
| Total domestic deposits to total assets | 82.6247% | 3,579 |
| Equity capital to assets | 12.6794% | 1,558 |
| Core capital (leverage) ratio | 9.9973% | 3,565 |
| Tier 1 risk-based capital ratio | 11.5932% | 4,889 |
| Total risk-based capital ratio | 12.5344% | 4,979 |
| Memoranda: | ||
| Average total assets | $3,946,600,500 | 255 |
| Average earning assets | $3,513,043,500 | 258 |
| Average equity | $501,058,250 | 230 |
| Average total loans | $2,721,044,750 | 258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,927 |
| Cost of funding earning assets | 0.1806% | 5,138 |
| Net interest margin | 3.8915% | 1,959 |
| Noninterest income to average assets | 0.9461% | 1,139 |
| Noninterest expense to average assets | 2.7382% | 2,961 |
| Loan and lease loss provision to assets | 0.1021% | 1,985 |
| Net operating income to assets | 1.1463% | 1,796 |
| Return on assets (ROA) | 1.1507% | 1,826 |
| Pretax return on assets | 1.5762% | 1,411 |
| Return on Equity (ROE) | 9.0592% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.0360% | 2,687 |
| Net charge-offs to loans | 0.0245% | 2,728 |
| Credit loss provision to net charge-offs | 605.4545% | 562 |
| Earnings coverage of net charge-offs (x) | 99.1636% | 658 |
| Efficiency ratio | 61.3345% | 4,117 |
| Assets per employee ($millions) | 5.3155% | 2,039 |
| Cash dividends to net income (ytd only)* | 44.4109% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,092 |
| Loan loss allowance to noncurrent loans | 221.8001% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,554 |
| Noncurrent loans to loans | 0.5359% | 3,150 |
| Net loans and leases to total assets | 68.2920% | 2,769 |
| Net loans and leases to deposits | 82.1821% | 2,684 |
| Net loans and leases to core deposits | 84.9417% | 2,976 |
| Total domestic deposits to total assets | 83.0985% | 3,538 |
| Equity capital to assets | 12.6941% | 1,526 |
| Core capital (leverage) ratio | 10.1018% | 3,404 |
| Tier 1 risk-based capital ratio | 11.6744% | 4,854 |
| Total risk-based capital ratio | 12.6806% | 4,900 |
| Memoranda: | ||
| Average total assets | $3,913,709,670 | 260 |
| Average earning assets | $3,484,143,330 | 260 |
| Average equity | $497,105,330 | 233 |
| Average total loans | $2,693,766,000 | 260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 2,890 |
| Cost of funding earning assets | 0.1721% | 5,219 |
| Net interest margin | 3.8711% | 1,883 |
| Noninterest income to average assets | 0.7899% | 1,594 |
| Noninterest expense to average assets | 2.7331% | 3,021 |
| Loan and lease loss provision to assets | 0.0894% | 2,050 |
| Net operating income to assets | 1.0313% | 2,163 |
| Return on assets (ROA) | 1.0313% | 2,212 |
| Pretax return on assets | 1.4105% | 1,853 |
| Return on Equity (ROE) | 8.1173% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.0574% | 3,432 |
| Net charge-offs to loans | 0.0535% | 1,806 |
| Credit loss provision to net charge-offs | 243.5393% | 904 |
| Earnings coverage of net charge-offs (x) | 40.8399% | 1,028 |
| Efficiency ratio | 63.7786% | 3,872 |
| Assets per employee ($millions) | 5.0746% | 2,342 |
| Cash dividends to net income (ytd only)* | 50.0150% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 3,247 |
| Loan loss allowance to noncurrent loans | 261.1722% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 3,871 |
| Noncurrent loans to loans | 0.4525% | 3,476 |
| Net loans and leases to total assets | 68.0571% | 2,673 |
| Net loans and leases to deposits | 80.9018% | 2,630 |
| Net loans and leases to core deposits | 82.3378% | 3,059 |
| Total domestic deposits to total assets | 84.1230% | 3,434 |
| Equity capital to assets | 12.7733% | 1,365 |
| Core capital (leverage) ratio | 9.9587% | 3,556 |
| Tier 1 risk-based capital ratio | 11.8058% | 4,846 |
| Total risk-based capital ratio | 12.8079% | 4,894 |
| Memoranda: | ||
| Average total assets | $3,877,255,500 | 263 |
| Average earning assets | $3,448,549,500 | 265 |
| Average equity | $492,626,000 | 234 |
| Average total loans | $2,663,002,000 | 263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,754 |
| Cost of funding earning assets | 0.1531% | 5,405 |
| Net interest margin | 3.9722% | 1,723 |
| Noninterest income to average assets | 0.8432% | 1,606 |
| Noninterest expense to average assets | 2.7676% | 3,128 |
| Loan and lease loss provision to assets | 0.1312% | 1,899 |
| Net operating income to assets | 1.0877% | 1,946 |
| Return on assets (ROA) | 1.1132% | 1,940 |
| Pretax return on assets | 1.5266% | 1,504 |
| Return on Equity (ROE) | 8.4648% | 2,696 |
| Retained earnings to average equity (ytd only) | 2.3967% | 4,163 |
| Net charge-offs to loans | 0.1421% | 1,839 |
| Credit loss provision to net charge-offs | 137.2009% | 1,982 |
| Earnings coverage of net charge-offs (x) | 16.9744% | 2,081 |
| Efficiency ratio | 62.1806% | 4,219 |
| Assets per employee ($millions) | 5.0820% | 2,305 |
| Cash dividends to net income (ytd only)* | 71.6863% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,297 |
| Loan loss allowance to noncurrent loans | 258.4005% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 3,961 |
| Noncurrent loans to loans | 0.4535% | 3,525 |
| Net loans and leases to total assets | 67.6913% | 2,826 |
| Net loans and leases to deposits | 80.6842% | 2,821 |
| Net loans and leases to core deposits | 82.1419% | 3,201 |
| Total domestic deposits to total assets | 83.8965% | 3,461 |
| Equity capital to assets | 12.6376% | 1,437 |
| Core capital (leverage) ratio | 9.9961% | 3,484 |
| Tier 1 risk-based capital ratio | 11.6900% | 4,930 |
| Total risk-based capital ratio | 12.6776% | 5,002 |
| Memoranda: | ||
| Average total assets | $3,759,380,000 | 254 |
| Average earning assets | $3,357,152,200 | 258 |
| Average equity | $494,386,600 | 222 |
| Average total loans | $2,529,598,200 | 261 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,669 |
| Cost of funding earning assets | 0.1540% | 5,463 |
| Net interest margin | 3.9999% | 1,650 |
| Noninterest income to average assets | 0.8368% | 1,618 |
| Noninterest expense to average assets | 2.7820% | 3,067 |
| Loan and lease loss provision to assets | 0.1341% | 1,749 |
| Net operating income to assets | 1.0886% | 2,050 |
| Return on assets (ROA) | 1.1175% | 2,034 |
| Pretax return on assets | 1.5362% | 1,590 |
| Return on Equity (ROE) | 8.4121% | 2,807 |
| Retained earnings to average equity (ytd only) | 3.5700% | 3,754 |
| Net charge-offs to loans | 0.1755% | 1,315 |
| Credit loss provision to net charge-offs | 114.1380% | 2,171 |
| Earnings coverage of net charge-offs (x) | 13.8760% | 2,273 |
| Efficiency ratio | 62.1872% | 4,196 |
| Assets per employee ($millions) | 5.1799% | 2,161 |
| Cash dividends to net income (ytd only)* | 57.5613% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,440 |
| Loan loss allowance to noncurrent loans | 249.3480% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 4,148 |
| Noncurrent loans to loans | 0.4682% | 3,611 |
| Net loans and leases to total assets | 66.5468% | 3,030 |
| Net loans and leases to deposits | 78.3968% | 3,147 |
| Net loans and leases to core deposits | 79.8100% | 3,463 |
| Total domestic deposits to total assets | 84.8847% | 2,858 |
| Equity capital to assets | 13.1260% | 1,427 |
| Core capital (leverage) ratio | 10.1694% | 3,360 |
| Tier 1 risk-based capital ratio | 11.6979% | 4,980 |
| Total risk-based capital ratio | 12.6555% | 5,048 |
| Memoranda: | ||
| Average total assets | $3,731,106,000 | 252 |
| Average earning assets | $3,335,820,750 | 254 |
| Average equity | $495,636,250 | 221 |
| Average total loans | $2,498,895,000 | 264 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,648 |
| Cost of funding earning assets | 0.1549% | 5,515 |
| Net interest margin | 4.0032% | 1,634 |
| Noninterest income to average assets | 0.7289% | 2,013 |
| Noninterest expense to average assets | 2.7926% | 3,054 |
| Loan and lease loss provision to assets | 0.1223% | 1,866 |
| Net operating income to assets | 1.0256% | 2,269 |
| Return on assets (ROA) | 1.0557% | 2,270 |
| Pretax return on assets | 1.4426% | 1,868 |
| Return on Equity (ROE) | 7.9142% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.8548% | 3,440 |
| Net charge-offs to loans | 0.2898% | 824 |
| Credit loss provision to net charge-offs | 63.1079% | 2,545 |
| Earnings coverage of net charge-offs (x) | 7.8647% | 2,580 |
| Efficiency ratio | 63.8236% | 4,055 |
| Assets per employee ($millions) | 5.1082% | 2,187 |
| Cash dividends to net income (ytd only)* | 51.2926% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,824 |
| Loan loss allowance to noncurrent loans | 185.7059% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,717 |
| Noncurrent loans to loans | 0.6046% | 3,255 |
| Net loans and leases to total assets | 66.6738% | 2,984 |
| Net loans and leases to deposits | 78.8271% | 3,072 |
| Net loans and leases to core deposits | 80.4267% | 3,425 |
| Total domestic deposits to total assets | 84.5823% | 3,057 |
| Equity capital to assets | 13.3709% | 1,299 |
| Core capital (leverage) ratio | 10.2741% | 3,244 |
| Tier 1 risk-based capital ratio | 11.8835% | 4,913 |
| Total risk-based capital ratio | 12.8091% | 5,009 |
| Memoranda: | ||
| Average total assets | $3,693,640,000 | 255 |
| Average earning assets | $3,310,042,670 | 257 |
| Average equity | $492,682,330 | 224 |
| Average total loans | $2,469,213,000 | 264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,580 |
| Cost of funding earning assets | 0.1545% | 5,575 |
| Net interest margin | 4.0170% | 1,564 |
| Noninterest income to average assets | 0.7365% | 1,873 |
| Noninterest expense to average assets | 2.8102% | 3,027 |
| Loan and lease loss provision to assets | 0.1243% | 1,702 |
| Net operating income to assets | 1.0293% | 2,160 |
| Return on assets (ROA) | 1.0739% | 2,106 |
| Pretax return on assets | 1.4624% | 1,711 |
| Return on Equity (ROE) | 8.0612% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.9630% | 3,509 |
| Net charge-offs to loans | 0.1997% | 998 |
| Credit loss provision to net charge-offs | 93.5086% | 1,736 |
| Earnings coverage of net charge-offs (x) | 11.4799% | 1,857 |
| Efficiency ratio | 63.9711% | 4,128 |
| Assets per employee ($millions) | 4.9952% | 2,347 |
| Cash dividends to net income (ytd only)* | 50.8388% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,461 |
| Loan loss allowance to noncurrent loans | 199.9528% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,779 |
| Noncurrent loans to loans | 0.6016% | 3,375 |
| Net loans and leases to total assets | 66.2735% | 2,907 |
| Net loans and leases to deposits | 77.4054% | 3,066 |
| Net loans and leases to core deposits | 79.0642% | 3,404 |
| Total domestic deposits to total assets | 85.6188% | 2,851 |
| Equity capital to assets | 13.4173% | 1,214 |
| Core capital (leverage) ratio | 10.3241% | 3,163 |
| Tier 1 risk-based capital ratio | 12.3552% | 4,691 |
| Total risk-based capital ratio | 13.3727% | 4,738 |
| Memoranda: | ||
| Average total assets | $3,663,181,500 | 256 |
| Average earning assets | $3,282,238,000 | 258 |
| Average equity | $488,015,000 | 224 |
| Average total loans | $2,437,954,000 | 267 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,164 |
| Cost of funding earning assets | 0.1687% | 5,547 |
| Net interest margin | 4.1492% | 1,284 |
| Noninterest income to average assets | 0.9177% | 1,386 |
| Noninterest expense to average assets | 2.9609% | 2,670 |
| Loan and lease loss provision to assets | 0.1239% | 1,938 |
| Net operating income to assets | 1.1067% | 1,894 |
| Return on assets (ROA) | 1.1376% | 1,846 |
| Pretax return on assets | 1.5730% | 1,334 |
| Return on Equity (ROE) | 8.4450% | 2,739 |
| Retained earnings to average equity (ytd only) | 3.8154% | 3,321 |
| Net charge-offs to loans | 0.1004% | 2,409 |
| Credit loss provision to net charge-offs | 185.6476% | 1,479 |
| Earnings coverage of net charge-offs (x) | 24.7754% | 1,654 |
| Efficiency ratio | 62.8692% | 4,464 |
| Assets per employee ($millions) | 5.0905% | 2,260 |
| Cash dividends to net income (ytd only)* | 54.8205% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 3,278 |
| Loan loss allowance to noncurrent loans | 239.1158% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 4,010 |
| Noncurrent loans to loans | 0.5162% | 3,628 |
| Net loans and leases to total assets | 65.2065% | 3,094 |
| Net loans and leases to deposits | 76.1186% | 3,234 |
| Net loans and leases to core deposits | 77.6869% | 3,580 |
| Total domestic deposits to total assets | 85.6644% | 2,782 |
| Equity capital to assets | 13.2263% | 1,244 |
| Core capital (leverage) ratio | 10.2215% | 3,238 |
| Tier 1 risk-based capital ratio | 12.3093% | 4,762 |
| Total risk-based capital ratio | 13.3361% | 4,802 |
| Memoranda: | ||
| Average total assets | $3,527,546,000 | 245 |
| Average earning assets | $3,143,245,800 | 247 |
| Average equity | $475,206,200 | 219 |
| Average total loans | $2,345,940,000 | 253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,053 |
| Cost of funding earning assets | 0.1723% | 5,612 |
| Net interest margin | 4.1851% | 1,197 |
| Noninterest income to average assets | 0.9429% | 1,336 |
| Noninterest expense to average assets | 2.9837% | 2,578 |
| Loan and lease loss provision to assets | 0.1238% | 1,838 |
| Net operating income to assets | 1.1059% | 1,980 |
| Return on assets (ROA) | 1.1428% | 1,921 |
| Pretax return on assets | 1.6119% | 1,344 |
| Return on Equity (ROE) | 8.4431% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.9361% | 3,664 |
| Net charge-offs to loans | 0.1128% | 1,997 |
| Credit loss provision to net charge-offs | 164.7059% | 1,565 |
| Earnings coverage of net charge-offs (x) | 22.3950% | 1,780 |
| Efficiency ratio | 62.6368% | 4,469 |
| Assets per employee ($millions) | 4.7984% | 2,564 |
| Cash dividends to net income (ytd only)* | 53.3814% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 3,640 |
| Loan loss allowance to noncurrent loans | 201.7108% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 3,966 |
| Noncurrent loans to loans | 0.5961% | 3,540 |
| Net loans and leases to total assets | 66.3060% | 2,964 |
| Net loans and leases to deposits | 77.5607% | 3,145 |
| Net loans and leases to core deposits | 79.2464% | 3,485 |
| Total domestic deposits to total assets | 85.4892% | 2,788 |
| Equity capital to assets | 13.3846% | 1,280 |
| Core capital (leverage) ratio | 10.3402% | 3,209 |
| Tier 1 risk-based capital ratio | 12.2043% | 4,958 |
| Total risk-based capital ratio | 13.2106% | 5,022 |
| Memoranda: | ||
| Average total assets | $3,496,955,750 | 252 |
| Average earning assets | $3,112,202,500 | 255 |
| Average equity | $473,320,500 | 224 |
| Average total loans | $2,329,994,000 | 259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 1,746 |
| Cost of funding earning assets | 0.1733% | 5,661 |
| Net interest margin | 4.2571% | 1,003 |
| Noninterest income to average assets | 0.8825% | 1,497 |
| Noninterest expense to average assets | 2.9720% | 2,645 |
| Loan and lease loss provision to assets | 0.1384% | 1,580 |
| Net operating income to assets | 1.1049% | 1,934 |
| Return on assets (ROA) | 1.1446% | 1,870 |
| Pretax return on assets | 1.6127% | 1,294 |
| Return on Equity (ROE) | 8.4241% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,929 |
| Net charge-offs to loans | 0.1929% | 1,304 |
| Credit loss provision to net charge-offs | 107.9244% | 1,949 |
| Earnings coverage of net charge-offs (x) | 13.2215% | 2,149 |
| Efficiency ratio | 62.3760% | 4,622 |
| Assets per employee ($millions) | 4.5065% | 2,978 |
| Cash dividends to net income (ytd only)* | 60.5205% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,782 |
| Loan loss allowance to noncurrent loans | 81.5610% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 2,345 |
| Noncurrent loans to loans | 1.4727% | 1,802 |
| Net loans and leases to total assets | 66.8565% | 2,806 |
| Net loans and leases to deposits | 78.4963% | 2,972 |
| Net loans and leases to core deposits | 80.3852% | 3,343 |
| Total domestic deposits to total assets | 85.1714% | 3,049 |
| Equity capital to assets | 13.5694% | 1,144 |
| Core capital (leverage) ratio | 10.3961% | 3,087 |
| Tier 1 risk-based capital ratio | 12.8282% | 4,607 |
| Total risk-based capital ratio | 13.8766% | 4,655 |
| Memoranda: | ||
| Average total assets | $3,464,617,330 | 257 |
| Average earning assets | $3,080,153,670 | 256 |
| Average equity | $470,747,330 | 227 |
| Average total loans | $2,302,650,670 | 262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 1,596 |
| Cost of funding earning assets | 0.1740% | 5,733 |
| Net interest margin | 4.2807% | 919 |
| Noninterest income to average assets | 0.9530% | 1,226 |
| Noninterest expense to average assets | 2.9655% | 2,687 |
| Loan and lease loss provision to assets | 0.1398% | 1,472 |
| Net operating income to assets | 1.1675% | 1,643 |
| Return on assets (ROA) | 1.2115% | 1,608 |
| Pretax return on assets | 1.7199% | 1,013 |
| Return on Equity (ROE) | 8.9108% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.5072% | 2,772 |
| Net charge-offs to loans | 0.2625% | 913 |
| Credit loss provision to net charge-offs | 80.8568% | 1,817 |
| Earnings coverage of net charge-offs (x) | 10.3949% | 1,940 |
| Efficiency ratio | 60.9907% | 4,970 |
| Assets per employee ($millions) | 4.7369% | 2,708 |
| Cash dividends to net income (ytd only)* | 38.1971% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,912 |
| Loan loss allowance to noncurrent loans | 71.2281% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2477% | 2,142 |
| Noncurrent loans to loans | 1.7001% | 1,618 |
| Net loans and leases to total assets | 65.6242% | 2,833 |
| Net loans and leases to deposits | 77.4676% | 2,882 |
| Net loans and leases to core deposits | 79.5869% | 3,216 |
| Total domestic deposits to total assets | 84.7118% | 3,539 |
| Equity capital to assets | 13.7284% | 1,079 |
| Core capital (leverage) ratio | 10.4758% | 2,996 |
| Tier 1 risk-based capital ratio | 13.2928% | 4,438 |
| Total risk-based capital ratio | 14.3659% | 4,464 |
| Memoranda: | ||
| Average total assets | $3,457,407,000 | 254 |
| Average earning assets | $3,076,606,500 | 256 |
| Average equity | $470,079,500 | 224 |
| Average total loans | $2,276,856,000 | 263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 790 |
| Cost of funding earning assets | 0.2188% | 5,604 |
| Net interest margin | 4.7718% | 451 |
| Noninterest income to average assets | 0.7327% | 2,153 |
| Noninterest expense to average assets | 3.5633% | 1,371 |
| Loan and lease loss provision to assets | 0.1687% | 1,545 |
| Net operating income to assets | 0.9321% | 2,715 |
| Return on assets (ROA) | 0.9387% | 2,772 |
| Pretax return on assets | 1.2635% | 2,375 |
| Return on Equity (ROE) | 7.0400% | 3,602 |
| Retained earnings to average equity (ytd only) | -11.3381% | 6,337 |
| Net charge-offs to loans | 0.2654% | 1,627 |
| Credit loss provision to net charge-offs | 94.3702% | 2,550 |
| Earnings coverage of net charge-offs (x) | 7.9636% | 2,945 |
| Efficiency ratio | 70.0433% | 3,522 |
| Assets per employee ($millions) | 4.6227% | 2,838 |
| Cash dividends to net income (ytd only)* | 261.0531% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,839 |
| Loan loss allowance to noncurrent loans | 64.7148% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 2,103 |
| Noncurrent loans to loans | 1.8987% | 1,487 |
| Net loans and leases to total assets | 64.4607% | 3,151 |
| Net loans and leases to deposits | 76.1289% | 3,182 |
| Net loans and leases to core deposits | 78.3560% | 3,481 |
| Total domestic deposits to total assets | 84.6731% | 3,431 |
| Equity capital to assets | 13.3968% | 1,197 |
| Core capital (leverage) ratio | 9.9340% | 3,671 |
| Tier 1 risk-based capital ratio | 13.5191% | 4,397 |
| Total risk-based capital ratio | 14.6626% | 4,405 |
| Memoranda: | ||
| Average total assets | $2,723,270,400 | 284 |
| Average earning assets | $2,427,621,800 | 290 |
| Average equity | $363,110,600 | 259 |
| Average total loans | $1,833,942,400 | 284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 1,006 |
| Cost of funding earning assets | 0.2201% | 5,668 |
| Net interest margin | 4.6422% | 569 |
| Noninterest income to average assets | 0.7179% | 2,243 |
| Noninterest expense to average assets | 3.4858% | 1,488 |
| Loan and lease loss provision to assets | 0.0915% | 2,525 |
| Net operating income to assets | 0.9091% | 2,872 |
| Return on assets (ROA) | 0.9169% | 2,935 |
| Pretax return on assets | 1.2948% | 2,395 |
| Return on Equity (ROE) | 6.8878% | 3,762 |
| Retained earnings to average equity (ytd only) | -14.2113% | 6,438 |
| Net charge-offs to loans | 0.1717% | 2,078 |
| Credit loss provision to net charge-offs | 78.3019% | 2,628 |
| Earnings coverage of net charge-offs (x) | 11.7682% | 2,378 |
| Efficiency ratio | 70.3595% | 3,446 |
| Assets per employee ($millions) | 4.3515% | 3,206 |
| Cash dividends to net income (ytd only)* | 306.3270% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 3,730 |
| Loan loss allowance to noncurrent loans | 86.6834% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 2,656 |
| Noncurrent loans to loans | 1.4811% | 2,191 |
| Net loans and leases to total assets | 63.1515% | 3,325 |
| Net loans and leases to deposits | 74.8411% | 3,324 |
| Net loans and leases to core deposits | 77.0349% | 3,632 |
| Total domestic deposits to total assets | 84.3808% | 3,602 |
| Equity capital to assets | 13.4878% | 1,183 |
| Core capital (leverage) ratio | 10.1411% | 3,482 |
| Tier 1 risk-based capital ratio | 14.4825% | 3,901 |
| Total risk-based capital ratio | 15.7152% | 3,847 |
| Memoranda: | ||
| Average total assets | $2,539,634,750 | 296 |
| Average earning assets | $2,266,644,250 | 297 |
| Average equity | $338,078,750 | 264 |
| Average total loans | $1,728,263,250 | 293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 1,152 |
| Cost of funding earning assets | 0.2187% | 5,758 |
| Net interest margin | 4.5441% | 643 |
| Noninterest income to average assets | 0.6931% | 2,316 |
| Noninterest expense to average assets | 3.4586% | 1,556 |
| Loan and lease loss provision to assets | 0.1028% | 2,300 |
| Net operating income to assets | 0.8421% | 3,119 |
| Return on assets (ROA) | 0.8560% | 3,139 |
| Pretax return on assets | 1.2150% | 2,596 |
| Return on Equity (ROE) | 6.4743% | 3,894 |
| Retained earnings to average equity (ytd only) | -27.0136% | 6,572 |
| Net charge-offs to loans | 0.1901% | 1,889 |
| Credit loss provision to net charge-offs | 77.0624% | 2,366 |
| Earnings coverage of net charge-offs (x) | 9.7311% | 2,328 |
| Efficiency ratio | 71.5016% | 3,434 |
| Assets per employee ($millions) | 4.1891% | 3,477 |
| Cash dividends to net income (ytd only)* | 517.2414% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 4,006 |
| Loan loss allowance to noncurrent loans | 69.4894% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 2,248 |
| Noncurrent loans to loans | 1.8327% | 1,868 |
| Net loans and leases to total assets | 65.1543% | 2,888 |
| Net loans and leases to deposits | 76.7670% | 2,959 |
| Net loans and leases to core deposits | 79.0936% | 3,313 |
| Total domestic deposits to total assets | 84.8727% | 3,575 |
| Equity capital to assets | 13.6587% | 1,102 |
| Core capital (leverage) ratio | 12.3569% | 1,467 |
| Tier 1 risk-based capital ratio | 14.2518% | 4,099 |
| Total risk-based capital ratio | 15.4847% | 4,037 |
| Memoranda: | ||
| Average total assets | $2,235,940,000 | 326 |
| Average earning assets | $1,999,345,330 | 331 |
| Average equity | $295,629,330 | 293 |
| Average total loans | $1,568,509,670 | 313 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,361 |
| Cost of funding earning assets | 0.2310% | 5,744 |
| Net interest margin | 4.4243% | 763 |
| Noninterest income to average assets | 0.6385% | 2,529 |
| Noninterest expense to average assets | 3.4311% | 1,628 |
| Loan and lease loss provision to assets | 0.1104% | 2,099 |
| Net operating income to assets | 0.7656% | 3,332 |
| Return on assets (ROA) | 0.7938% | 3,260 |
| Pretax return on assets | 1.1737% | 2,594 |
| Return on Equity (ROE) | 6.2133% | 3,902 |
| Retained earnings to average equity (ytd only) | -2.2774% | 5,879 |
| Net charge-offs to loans | -0.0337% | 5,628 |
| Credit loss provision to net charge-offs | -440.3846% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6082% | 3,376 |
| Assets per employee ($millions) | 4.6391% | 2,746 |
| Cash dividends to net income (ytd only)* | 136.6535% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 938 |
| Loan loss allowance to noncurrent loans | 121.8265% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 2,064 |
| Noncurrent loans to loans | 1.9500% | 1,930 |
| Net loans and leases to total assets | 72.7146% | 1,461 |
| Net loans and leases to deposits | 85.4587% | 1,666 |
| Net loans and leases to core deposits | 89.2718% | 1,978 |
| Total domestic deposits to total assets | 85.0874% | 3,830 |
| Equity capital to assets | 12.7432% | 1,434 |
| Core capital (leverage) ratio | 11.1946% | 2,226 |
| Tier 1 risk-based capital ratio | 14.9404% | 3,745 |
| Total risk-based capital ratio | 16.2050% | 3,687 |
| Memoranda: | ||
| Average total assets | $1,659,402,000 | 428 |
| Average earning assets | $1,513,455,500 | 421 |
| Average equity | $211,997,000 | 377 |
| Average total loans | $1,234,478,500 | 372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 630 |
| Cost of funding earning assets | 0.2724% | 5,810 |
| Net interest margin | 4.9345% | 335 |
| Noninterest income to average assets | 0.7596% | 2,254 |
| Noninterest expense to average assets | 3.7626% | 1,199 |
| Loan and lease loss provision to assets | 0.2433% | 1,483 |
| Net operating income to assets | 0.8628% | 2,958 |
| Return on assets (ROA) | 0.8611% | 3,057 |
| Pretax return on assets | 1.2433% | 2,404 |
| Return on Equity (ROE) | 6.7382% | 3,705 |
| Retained earnings to average equity (ytd only) | -6.7392% | 6,446 |
| Net charge-offs to loans | 0.3022% | 2,177 |
| Credit loss provision to net charge-offs | 106.6802% | 2,259 |
| Earnings coverage of net charge-offs (x) | 6.5295% | 3,043 |
| Efficiency ratio | 70.9610% | 3,676 |
| Assets per employee ($millions) | 4.4450% | 3,001 |
| Cash dividends to net income (ytd only)* | 200.0154% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 995 |
| Loan loss allowance to noncurrent loans | 154.1526% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 2,643 |
| Noncurrent loans to loans | 1.5179% | 2,618 |
| Net loans and leases to total assets | 72.5632% | 1,586 |
| Net loans and leases to deposits | 85.4414% | 1,759 |
| Net loans and leases to core deposits | 89.3262% | 2,103 |
| Total domestic deposits to total assets | 84.9274% | 3,780 |
| Equity capital to assets | 12.8079% | 1,362 |
| Core capital (leverage) ratio | 11.0917% | 2,301 |
| Tier 1 risk-based capital ratio | 15.2734% | 3,499 |
| Total risk-based capital ratio | 16.5380% | 3,441 |
| Memoranda: | ||
| Average total assets | $1,509,664,200 | 454 |
| Average earning assets | $1,374,329,600 | 446 |
| Average equity | $192,916,000 | 400 |
| Average total loans | $1,139,194,400 | 388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2701% | 555 |
| Cost of funding earning assets | 0.2823% | 5,870 |
| Net interest margin | 4.9877% | 321 |
| Noninterest income to average assets | 0.8117% | 2,089 |
| Noninterest expense to average assets | 3.5908% | 1,417 |
| Loan and lease loss provision to assets | 0.2938% | 1,164 |
| Net operating income to assets | 1.0062% | 2,353 |
| Return on assets (ROA) | 1.0046% | 2,444 |
| Pretax return on assets | 1.4646% | 1,714 |
| Return on Equity (ROE) | 7.8662% | 3,191 |
| Retained earnings to average equity (ytd only) | -10.5675% | 6,650 |
| Net charge-offs to loans | 0.3686% | 1,724 |
| Credit loss provision to net charge-offs | 105.1864% | 2,222 |
| Earnings coverage of net charge-offs (x) | 6.3037% | 3,001 |
| Efficiency ratio | 66.4450% | 4,407 |
| Assets per employee ($millions) | 4.0336% | 3,765 |
| Cash dividends to net income (ytd only)* | 234.3398% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3249% | 1,146 |
| Loan loss allowance to noncurrent loans | 116.4547% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.7217% | 2,382 |
| Noncurrent loans to loans | 1.9964% | 2,251 |
| Net loans and leases to total assets | 72.1693% | 1,575 |
| Net loans and leases to deposits | 84.2925% | 1,841 |
| Net loans and leases to core deposits | 88.1309% | 2,172 |
| Total domestic deposits to total assets | 85.6177% | 3,443 |
| Equity capital to assets | 12.6006% | 1,527 |
| Core capital (leverage) ratio | 11.2464% | 2,254 |
| Tier 1 risk-based capital ratio | 14.9995% | 3,754 |
| Total risk-based capital ratio | 16.2638% | 3,695 |
| Memoranda: | ||
| Average total assets | $1,472,581,250 | 461 |
| Average earning assets | $1,340,345,250 | 460 |
| Average equity | $188,056,500 | 405 |
| Average total loans | $1,116,013,000 | 397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 474 |
| Cost of funding earning assets | 0.2929% | 5,882 |
| Net interest margin | 5.0661% | 277 |
| Noninterest income to average assets | 0.7891% | 2,242 |
| Noninterest expense to average assets | 3.6328% | 1,362 |
| Loan and lease loss provision to assets | 0.3082% | 1,154 |
| Net operating income to assets | 1.0056% | 2,311 |
| Return on assets (ROA) | 1.0031% | 2,455 |
| Pretax return on assets | 1.4743% | 1,698 |
| Return on Equity (ROE) | 7.8134% | 3,181 |
| Retained earnings to average equity (ytd only) | -7.7048% | 6,601 |
| Net charge-offs to loans | 0.4425% | 1,479 |
| Credit loss provision to net charge-offs | 91.0084% | 2,415 |
| Earnings coverage of net charge-offs (x) | 5.2739% | 2,930 |
| Efficiency ratio | 66.4373% | 4,467 |
| Assets per employee ($millions) | 3.9478% | 3,915 |
| Cash dividends to net income (ytd only)* | 198.6097% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5458% | 940 |
| Loan loss allowance to noncurrent loans | 117.7098% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 2,209 |
| Noncurrent loans to loans | 2.1627% | 2,222 |
| Net loans and leases to total assets | 76.2338% | 958 |
| Net loans and leases to deposits | 88.5421% | 1,279 |
| Net loans and leases to core deposits | 92.0895% | 1,702 |
| Total domestic deposits to total assets | 86.0989% | 3,309 |
| Equity capital to assets | 12.1532% | 1,806 |
| Core capital (leverage) ratio | 11.3358% | 2,068 |
| Tier 1 risk-based capital ratio | 14.9195% | 3,833 |
| Total risk-based capital ratio | 16.1873% | 3,781 |
| Memoranda: | ||
| Average total assets | $1,405,456,330 | 478 |
| Average earning assets | $1,284,454,330 | 478 |
| Average equity | $180,432,670 | 427 |
| Average total loans | $1,075,738,330 | 403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 352 |
| Cost of funding earning assets | 0.2955% | 6,002 |
| Net interest margin | 5.2361% | 187 |
| Noninterest income to average assets | 0.9224% | 1,685 |
| Noninterest expense to average assets | 4.0367% | 849 |
| Loan and lease loss provision to assets | 0.2811% | 1,252 |
| Net operating income to assets | 0.9526% | 2,429 |
| Return on assets (ROA) | 0.9526% | 2,569 |
| Pretax return on assets | 1.3824% | 1,916 |
| Return on Equity (ROE) | 6.9773% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.9773% | 2,155 |
| Net charge-offs to loans | 0.8151% | 742 |
| Credit loss provision to net charge-offs | 45.0394% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6656% | 2,975 |
| Efficiency ratio | 70.1569% | 3,942 |
| Assets per employee ($millions) | 4.0884% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,101 |
| Loan loss allowance to noncurrent loans | 79.8269% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.7676% | 1,639 |
| Noncurrent loans to loans | 3.1465% | 1,570 |
| Net loans and leases to total assets | 74.2973% | 1,035 |
| Net loans and leases to deposits | 87.0837% | 1,236 |
| Net loans and leases to core deposits | 91.6357% | 1,539 |
| Total domestic deposits to total assets | 85.3172% | 3,888 |
| Equity capital to assets | 13.2561% | 1,316 |
| Core capital (leverage) ratio | 12.5326% | 1,323 |
| Tier 1 risk-based capital ratio | 16.6187% | 2,942 |
| Total risk-based capital ratio | 17.8860% | 2,900 |
| Memoranda: | ||
| Average total assets | $1,221,104,000 | 539 |
| Average earning assets | $1,114,198,000 | 535 |
| Average equity | $166,712,500 | 460 |
| Average total loans | $934,815,500 | 449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 576 |
| Cost of funding earning assets | 0.3679% | 6,117 |
| Net interest margin | 5.1721% | 284 |
| Noninterest income to average assets | 0.7381% | 2,550 |
| Noninterest expense to average assets | 3.8154% | 1,227 |
| Loan and lease loss provision to assets | 0.1368% | 3,913 |
| Net operating income to assets | 1.0314% | 2,205 |
| Return on assets (ROA) | 1.0285% | 2,424 |
| Pretax return on assets | 1.5022% | 1,671 |
| Return on Equity (ROE) | 7.3812% | 3,416 |
| Retained earnings to average equity (ytd only) | 0.4593% | 5,624 |
| Net charge-offs to loans | 0.4688% | 2,360 |
| Credit loss provision to net charge-offs | 38.3134% | 4,965 |
| Earnings coverage of net charge-offs (x) | 4.6023% | 3,311 |
| Efficiency ratio | 69.2393% | 3,934 |
| Assets per employee ($millions) | 3.6944% | 4,577 |
| Cash dividends to net income (ytd only)* | 93.7780% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8004% | 820 |
| Loan loss allowance to noncurrent loans | 85.2207% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.9461% | 1,611 |
| Noncurrent loans to loans | 3.2861% | 1,560 |
| Net loans and leases to total assets | 74.7712% | 1,084 |
| Net loans and leases to deposits | 88.9976% | 1,166 |
| Net loans and leases to core deposits | 94.6012% | 1,419 |
| Total domestic deposits to total assets | 84.0148% | 4,307 |
| Equity capital to assets | 14.0804% | 1,019 |
| Core capital (leverage) ratio | 12.7028% | 1,236 |
| Tier 1 risk-based capital ratio | 17.5393% | 2,444 |
| Total risk-based capital ratio | 18.8105% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,192,306,000 | 550 |
| Average earning assets | $1,088,177,000 | 544 |
| Average equity | $166,138,800 | 453 |
| Average total loans | $907,995,200 | 453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 567 |
| Cost of funding earning assets | 0.3825% | 6,209 |
| Net interest margin | 5.2079% | 292 |
| Noninterest income to average assets | 0.6962% | 2,729 |
| Noninterest expense to average assets | 3.7664% | 1,265 |
| Loan and lease loss provision to assets | 0.1038% | 4,279 |
| Net operating income to assets | 1.0763% | 2,184 |
| Return on assets (ROA) | 1.0735% | 2,400 |
| Pretax return on assets | 1.5780% | 1,647 |
| Return on Equity (ROE) | 7.7239% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.9140% | 4,808 |
| Net charge-offs to loans | 0.3733% | 2,603 |
| Credit loss provision to net charge-offs | 36.6208% | 4,689 |
| Earnings coverage of net charge-offs (x) | 5.9458% | 2,887 |
| Efficiency ratio | 68.4227% | 3,975 |
| Assets per employee ($millions) | 3.7396% | 4,449 |
| Cash dividends to net income (ytd only)* | 62.2729% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9104% | 791 |
| Loan loss allowance to noncurrent loans | 79.2276% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 3.2691% | 1,561 |
| Noncurrent loans to loans | 3.6734% | 1,459 |
| Net loans and leases to total assets | 72.9206% | 1,407 |
| Net loans and leases to deposits | 87.2645% | 1,445 |
| Net loans and leases to core deposits | 92.5962% | 1,719 |
| Total domestic deposits to total assets | 83.5627% | 4,406 |
| Equity capital to assets | 13.9916% | 1,163 |
| Core capital (leverage) ratio | 12.9856% | 1,198 |
| Tier 1 risk-based capital ratio | 18.1627% | 2,278 |
| Total risk-based capital ratio | 19.4360% | 2,246 |
| Memoranda: | ||
| Average total assets | $1,196,681,000 | 549 |
| Average earning assets | $1,092,867,750 | 546 |
| Average equity | $166,319,250 | 446 |
| Average total loans | $909,063,000 | 454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 499 |
| Cost of funding earning assets | 0.3991% | 6,268 |
| Net interest margin | 5.2869% | 249 |
| Noninterest income to average assets | 0.7034% | 2,649 |
| Noninterest expense to average assets | 3.7583% | 1,280 |
| Loan and lease loss provision to assets | 0.0368% | 5,216 |
| Net operating income to assets | 1.1762% | 1,797 |
| Return on assets (ROA) | 1.1720% | 2,015 |
| Pretax return on assets | 1.7317% | 1,178 |
| Return on Equity (ROE) | 8.4517% | 3,038 |
| Retained earnings to average equity (ytd only) | 1.2053% | 5,592 |
| Net charge-offs to loans | 0.4079% | 2,396 |
| Credit loss provision to net charge-offs | 11.8471% | 4,720 |
| Earnings coverage of net charge-offs (x) | 5.7065% | 2,774 |
| Efficiency ratio | 67.2771% | 4,274 |
| Assets per employee ($millions) | 3.7017% | 4,518 |
| Cash dividends to net income (ytd only)* | 85.7388% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8955% | 873 |
| Loan loss allowance to noncurrent loans | 76.4114% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 3.5633% | 1,489 |
| Noncurrent loans to loans | 3.7893% | 1,482 |
| Net loans and leases to total assets | 75.1560% | 1,082 |
| Net loans and leases to deposits | 89.1584% | 1,238 |
| Net loans and leases to core deposits | 95.5224% | 1,469 |
| Total domestic deposits to total assets | 84.2949% | 4,196 |
| Equity capital to assets | 14.1248% | 1,042 |
| Core capital (leverage) ratio | 12.8446% | 1,199 |
| Tier 1 risk-based capital ratio | 17.7133% | 2,393 |
| Total risk-based capital ratio | 18.9863% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,194,196,000 | 555 |
| Average earning assets | $1,090,932,000 | 549 |
| Average equity | $165,599,670 | 446 |
| Average total loans | $910,622,670 | 456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7343% | 485 |
| Cost of funding earning assets | 0.4093% | 6,360 |
| Net interest margin | 5.3250% | 238 |
| Noninterest income to average assets | 0.7053% | 2,635 |
| Noninterest expense to average assets | 3.7557% | 1,289 |
| Loan and lease loss provision to assets | -0.1009% | 7,180 |
| Net operating income to assets | 1.3168% | 1,412 |
| Return on assets (ROA) | 1.3113% | 1,594 |
| Pretax return on assets | 1.9197% | 842 |
| Return on Equity (ROE) | 9.5429% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.7098% | 3,742 |
| Net charge-offs to loans | -0.0290% | 6,329 |
| Credit loss provision to net charge-offs | 460.6061% | 704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6409% | 4,440 |
| Assets per employee ($millions) | 3.8664% | 4,264 |
| Cash dividends to net income (ytd only)* | 50.6457% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0662% | 784 |
| Loan loss allowance to noncurrent loans | 81.4684% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.4078% | 1,688 |
| Noncurrent loans to loans | 3.7637% | 1,650 |
| Net loans and leases to total assets | 72.5823% | 1,302 |
| Net loans and leases to deposits | 86.4539% | 1,368 |
| Net loans and leases to core deposits | 92.2384% | 1,628 |
| Total domestic deposits to total assets | 83.9549% | 4,514 |
| Equity capital to assets | 13.7911% | 1,092 |
| Core capital (leverage) ratio | 12.8022% | 1,206 |
| Tier 1 risk-based capital ratio | 18.0592% | 2,266 |
| Total risk-based capital ratio | 19.3308% | 2,230 |
| Memoranda: | ||
| Average total assets | $1,204,573,500 | 552 |
| Average earning assets | $1,103,247,000 | 548 |
| Average equity | $165,526,500 | 448 |
| Average total loans | $911,830,000 | 455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 446 |
| Cost of funding earning assets | 0.5208% | 6,450 |
| Net interest margin | 5.4563% | 191 |
| Noninterest income to average assets | 0.8369% | 1,897 |
| Noninterest expense to average assets | 4.0315% | 998 |
| Loan and lease loss provision to assets | 1.1454% | 786 |
| Net operating income to assets | 0.4925% | 4,461 |
| Return on assets (ROA) | 0.4901% | 4,674 |
| Pretax return on assets | 0.6625% | 4,461 |
| Return on Equity (ROE) | 3.5509% | 5,050 |
| Retained earnings to average equity (ytd only) | 0.8148% | 5,479 |
| Net charge-offs to loans | 0.5992% | 2,651 |
| Credit loss provision to net charge-offs | 254.9496% | 946 |
| Earnings coverage of net charge-offs (x) | 4.0314% | 3,298 |
| Efficiency ratio | 68.3690% | 4,284 |
| Assets per employee ($millions) | 3.8307% | 4,249 |
| Cash dividends to net income (ytd only)* | 77.0548% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0350% | 788 |
| Loan loss allowance to noncurrent loans | 69.9504% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 1,613 |
| Noncurrent loans to loans | 4.3388% | 1,398 |
| Net loans and leases to total assets | 74.1965% | 1,239 |
| Net loans and leases to deposits | 88.4002% | 1,330 |
| Net loans and leases to core deposits | 94.5408% | 1,630 |
| Total domestic deposits to total assets | 83.9325% | 4,337 |
| Equity capital to assets | 13.6918% | 1,178 |
| Core capital (leverage) ratio | 12.5631% | 1,322 |
| Tier 1 risk-based capital ratio | 17.1565% | 2,530 |
| Total risk-based capital ratio | 18.4308% | 2,480 |
| Memoranda: | ||
| Average total assets | $1,191,712,000 | 546 |
| Average earning assets | $1,093,301,600 | 539 |
| Average equity | $164,464,400 | 430 |
| Average total loans | $893,584,800 | 469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0798% | 403 |
| Cost of funding earning assets | 0.5539% | 6,501 |
| Net interest margin | 5.5260% | 165 |
| Noninterest income to average assets | 0.8382% | 1,885 |
| Noninterest expense to average assets | 4.1406% | 850 |
| Loan and lease loss provision to assets | 1.1806% | 669 |
| Net operating income to assets | 0.4299% | 4,856 |
| Return on assets (ROA) | 0.4277% | 5,060 |
| Pretax return on assets | 0.5824% | 4,877 |
| Return on Equity (ROE) | 3.0930% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.0930% | 4,482 |
| Net charge-offs to loans | 0.6791% | 2,218 |
| Credit loss provision to net charge-offs | 233.0750% | 1,219 |
| Earnings coverage of net charge-offs (x) | 3.4864% | 3,423 |
| Efficiency ratio | 69.4690% | 4,043 |
| Assets per employee ($millions) | 3.7442% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8891% | 944 |
| Loan loss allowance to noncurrent loans | 56.6528% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 3.9222% | 1,572 |
| Noncurrent loans to loans | 5.0997% | 1,204 |
| Net loans and leases to total assets | 71.5085% | 1,817 |
| Net loans and leases to deposits | 84.9370% | 1,848 |
| Net loans and leases to core deposits | 91.2596% | 2,080 |
| Total domestic deposits to total assets | 84.1901% | 4,135 |
| Equity capital to assets | 13.8710% | 1,214 |
| Core capital (leverage) ratio | 12.8190% | 1,289 |
| Tier 1 risk-based capital ratio | 18.6832% | 2,034 |
| Total risk-based capital ratio | 19.9571% | 1,984 |
| Memoranda: | ||
| Average total assets | $1,188,933,500 | 554 |
| Average earning assets | $1,090,509,750 | 544 |
| Average equity | $164,408,500 | 441 |
| Average total loans | $886,883,750 | 475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1008% | 384 |
| Cost of funding earning assets | 0.5758% | 6,555 |
| Net interest margin | 5.5250% | 173 |
| Noninterest income to average assets | 0.8564% | 1,782 |
| Noninterest expense to average assets | 4.1250% | 891 |
| Loan and lease loss provision to assets | 1.2687% | 593 |
| Net operating income to assets | 0.3856% | 5,019 |
| Return on assets (ROA) | 0.3833% | 5,166 |
| Pretax return on assets | 0.5192% | 4,995 |
| Return on Equity (ROE) | 2.7749% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.7749% | 4,516 |
| Net charge-offs to loans | 0.9966% | 1,575 |
| Credit loss provision to net charge-offs | 169.9185% | 1,776 |
| Earnings coverage of net charge-offs (x) | 2.3986% | 3,619 |
| Efficiency ratio | 69.0807% | 4,310 |
| Assets per employee ($millions) | 3.7199% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5600% | 1,351 |
| Loan loss allowance to noncurrent loans | 51.3790% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.9380% | 1,637 |
| Noncurrent loans to loans | 4.9826% | 1,313 |
| Net loans and leases to total assets | 73.8231% | 1,446 |
| Net loans and leases to deposits | 88.0556% | 1,490 |
| Net loans and leases to core deposits | 94.3881% | 1,854 |
| Total domestic deposits to total assets | 83.8369% | 4,421 |
| Equity capital to assets | 14.1088% | 1,063 |
| Core capital (leverage) ratio | 12.9592% | 1,182 |
| Tier 1 risk-based capital ratio | 18.2766% | 2,079 |
| Total risk-based capital ratio | 19.5456% | 2,032 |
| Memoranda: | ||
| Average total assets | $1,183,371,000 | 564 |
| Average earning assets | $1,083,687,670 | 551 |
| Average equity | $163,467,330 | 444 |
| Average total loans | $886,588,000 | 483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 943 |
| Cost of funding earning assets | 0.6062% | 6,591 |
| Net interest margin | 5.0618% | 334 |
| Noninterest income to average assets | 1.1437% | 997 |
| Noninterest expense to average assets | 4.0213% | 1,009 |
| Loan and lease loss provision to assets | 1.4054% | 469 |
| Net operating income to assets | 0.2569% | 5,590 |
| Return on assets (ROA) | 0.2540% | 5,666 |
| Pretax return on assets | 0.3448% | 5,526 |
| Return on Equity (ROE) | 1.8580% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.8580% | 5,001 |
| Net charge-offs to loans | 1.4745% | 921 |
| Credit loss provision to net charge-offs | 127.9241% | 2,158 |
| Earnings coverage of net charge-offs (x) | 1.5968% | 3,515 |
| Efficiency ratio | 68.9691% | 4,485 |
| Assets per employee ($millions) | 3.9275% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 1,703 |
| Loan loss allowance to noncurrent loans | 48.6782% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.8844% | 1,723 |
| Noncurrent loans to loans | 4.8054% | 1,416 |
| Net loans and leases to total assets | 73.0602% | 1,507 |
| Net loans and leases to deposits | 87.4537% | 1,524 |
| Net loans and leases to core deposits | 93.5603% | 1,946 |
| Total domestic deposits to total assets | 83.5416% | 4,681 |
| Equity capital to assets | 13.8735% | 1,037 |
| Core capital (leverage) ratio | 12.5569% | 1,300 |
| Tier 1 risk-based capital ratio | 18.3045% | 2,019 |
| Total risk-based capital ratio | 19.5706% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,189,165,000 | 564 |
| Average earning assets | $1,088,141,500 | 554 |
| Average equity | $162,538,500 | 439 |
| Average total loans | $885,995,500 | 491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 1,732 |
| Cost of funding earning assets | 0.8189% | 6,486 |
| Net interest margin | 4.8353% | 627 |
| Noninterest income to average assets | 2.1653% | 348 |
| Noninterest expense to average assets | 3.5492% | 2,056 |
| Loan and lease loss provision to assets | 1.1591% | 1,362 |
| Net operating income to assets | 1.2925% | 1,194 |
| Return on assets (ROA) | 1.2820% | 1,278 |
| Pretax return on assets | 1.8880% | 629 |
| Return on Equity (ROE) | 9.9877% | 1,928 |
| Retained earnings to average equity (ytd only) | 9.9877% | 528 |
| Net charge-offs to loans | 2.1443% | 915 |
| Credit loss provision to net charge-offs | 72.6969% | 5,799 |
| Earnings coverage of net charge-offs (x) | 1.9207% | 4,289 |
| Efficiency ratio | 53.3318% | 6,862 |
| Assets per employee ($millions) | 4.2696% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 1,872 |
| Loan loss allowance to noncurrent loans | 42.9002% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 4.0519% | 1,673 |
| Noncurrent loans to loans | 5.1233% | 1,295 |
| Net loans and leases to total assets | 72.5777% | 1,969 |
| Net loans and leases to deposits | 86.1188% | 2,072 |
| Net loans and leases to core deposits | 92.6995% | 2,419 |
| Total domestic deposits to total assets | 84.2762% | 4,233 |
| Equity capital to assets | 13.4681% | 1,189 |
| Core capital (leverage) ratio | 12.3967% | 1,349 |
| Tier 1 risk-based capital ratio | 17.8284% | 2,053 |
| Total risk-based capital ratio | 19.0925% | 2,012 |
| Memoranda: | ||
| Average total assets | $974,861,800 | 679 |
| Average earning assets | $896,444,000 | 673 |
| Average equity | $125,133,400 | 544 |
| Average total loans | $724,887,800 | 603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 3,173 |
| Cost of funding earning assets | 0.8640% | 6,531 |
| Net interest margin | 4.4742% | 1,317 |
| Noninterest income to average assets | 1.0063% | 1,448 |
| Noninterest expense to average assets | 3.2270% | 2,827 |
| Loan and lease loss provision to assets | 1.2496% | 1,125 |
| Net operating income to assets | 0.4477% | 4,549 |
| Return on assets (ROA) | 0.4339% | 4,790 |
| Pretax return on assets | 0.6341% | 4,472 |
| Return on Equity (ROE) | 3.4357% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.4357% | 4,036 |
| Net charge-offs to loans | 1.9388% | 979 |
| Credit loss provision to net charge-offs | 86.6237% | 4,897 |
| Earnings coverage of net charge-offs (x) | 1.3199% | 4,757 |
| Efficiency ratio | 62.5651% | 5,511 |
| Assets per employee ($millions) | 5.9062% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9228% | 883 |
| Loan loss allowance to noncurrent loans | 66.0130% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 3.2849% | 2,175 |
| Noncurrent loans to loans | 4.4277% | 1,639 |
| Net loans and leases to total assets | 68.1898% | 3,168 |
| Net loans and leases to deposits | 78.1546% | 3,802 |
| Net loans and leases to core deposits | 85.9840% | 3,658 |
| Total domestic deposits to total assets | 87.2499% | 2,398 |
| Equity capital to assets | 10.7558% | 3,219 |
| Core capital (leverage) ratio | 9.6856% | 3,635 |
| Tier 1 risk-based capital ratio | 14.9029% | 3,299 |
| Total risk-based capital ratio | 16.1781% | 3,272 |
| Memoranda: | ||
| Average total assets | $917,573,500 | 733 |
| Average earning assets | $845,919,000 | 716 |
| Average equity | $115,877,250 | 577 |
| Average total loans | $682,738,750 | 639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 3,237 |
| Cost of funding earning assets | 0.8830% | 6,649 |
| Net interest margin | 4.4619% | 1,283 |
| Noninterest income to average assets | 0.9570% | 1,492 |
| Noninterest expense to average assets | 3.1011% | 3,314 |
| Loan and lease loss provision to assets | 1.5398% | 853 |
| Net operating income to assets | 0.3085% | 5,144 |
| Return on assets (ROA) | 0.2935% | 5,357 |
| Pretax return on assets | 0.4220% | 5,149 |
| Return on Equity (ROE) | 2.1856% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.1856% | 4,756 |
| Net charge-offs to loans | 2.0453% | 885 |
| Credit loss provision to net charge-offs | 98.8172% | 4,156 |
| Earnings coverage of net charge-offs (x) | 1.2728% | 4,552 |
| Efficiency ratio | 60.8131% | 5,891 |
| Assets per employee ($millions) | 4.5720% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6909% | 477 |
| Loan loss allowance to noncurrent loans | 77.3158% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 3.7871% | 1,842 |
| Noncurrent loans to loans | 4.7738% | 1,483 |
| Net loans and leases to total assets | 72.6506% | 2,238 |
| Net loans and leases to deposits | 86.2465% | 2,472 |
| Net loans and leases to core deposits | 95.6207% | 2,488 |
| Total domestic deposits to total assets | 84.2360% | 3,997 |
| Equity capital to assets | 13.5862% | 1,310 |
| Core capital (leverage) ratio | 12.1431% | 1,568 |
| Tier 1 risk-based capital ratio | 16.4674% | 2,483 |
| Total risk-based capital ratio | 17.7495% | 2,420 |
| Memoranda: | ||
| Average total assets | $857,250,000 | 788 |
| Average earning assets | $792,985,000 | 768 |
| Average equity | $115,117,330 | 576 |
| Average total loans | $653,102,000 | 675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 3,281 |
| Cost of funding earning assets | 0.9273% | 6,667 |
| Net interest margin | 4.4256% | 1,316 |
| Noninterest income to average assets | 0.9599% | 1,418 |
| Noninterest expense to average assets | 2.9837% | 3,735 |
| Loan and lease loss provision to assets | 1.6775% | 680 |
| Net operating income to assets | 0.2791% | 5,377 |
| Return on assets (ROA) | 0.2572% | 5,592 |
| Pretax return on assets | 0.3621% | 5,408 |
| Return on Equity (ROE) | 1.9267% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.9267% | 4,973 |
| Net charge-offs to loans | 3.0901% | 491 |
| Credit loss provision to net charge-offs | 70.9080% | 4,080 |
| Earnings coverage of net charge-offs (x) | 0.8751% | 4,262 |
| Efficiency ratio | 58.8512% | 6,356 |
| Assets per employee ($millions) | 4.7579% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4468% | 567 |
| Loan loss allowance to noncurrent loans | 76.4076% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 3.6096% | 1,944 |
| Noncurrent loans to loans | 4.5111% | 1,658 |
| Net loans and leases to total assets | 73.2834% | 2,130 |
| Net loans and leases to deposits | 86.1368% | 2,562 |
| Net loans and leases to core deposits | 95.1334% | 2,685 |
| Total domestic deposits to total assets | 85.0778% | 3,633 |
| Equity capital to assets | 13.4329% | 1,352 |
| Core capital (leverage) ratio | 11.9954% | 1,653 |
| Tier 1 risk-based capital ratio | 16.1147% | 2,610 |
| Total risk-based capital ratio | 17.3933% | 2,551 |
| Memoranda: | ||
| Average total assets | $858,397,500 | 803 |
| Average earning assets | $794,107,000 | 780 |
| Average equity | $114,598,000 | 585 |
| Average total loans | $657,186,000 | 688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 2,969 |
| Cost of funding earning assets | 1.2607% | 6,437 |
| Net interest margin | 4.4677% | 1,246 |
| Noninterest income to average assets | 0.9438% | 1,777 |
| Noninterest expense to average assets | 2.9994% | 4,145 |
| Loan and lease loss provision to assets | 2.2069% | 942 |
| Net operating income to assets | -0.0139% | 5,512 |
| Return on assets (ROA) | -0.0283% | 5,577 |
| Pretax return on assets | -0.1460% | 5,635 |
| Return on Equity (ROE) | -0.2418% | 5,577 |
| Retained earnings to average equity (ytd only) | -0.2418% | 5,001 |
| Net charge-offs to loans | 1.2552% | 1,969 |
| Credit loss provision to net charge-offs | 216.4864% | 1,757 |
| Earnings coverage of net charge-offs (x) | 2.0436% | 4,195 |
| Efficiency ratio | 58.8278% | 6,644 |
| Assets per employee ($millions) | 4.7015% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5948% | 493 |
| Loan loss allowance to noncurrent loans | 75.0369% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.7810% | 1,762 |
| Noncurrent loans to loans | 4.7907% | 1,445 |
| Net loans and leases to total assets | 74.4410% | 2,156 |
| Net loans and leases to deposits | 87.5407% | 2,642 |
| Net loans and leases to core deposits | 104.7983% | 3,474 |
| Total domestic deposits to total assets | 85.0359% | 3,536 |
| Equity capital to assets | 13.2679% | 1,406 |
| Core capital (leverage) ratio | 11.7568% | 1,780 |
| Tier 1 risk-based capital ratio | 15.5897% | 2,679 |
| Total risk-based capital ratio | 16.8698% | 2,618 |
| Memoranda: | ||
| Average total assets | $834,192,000 | 815 |
| Average earning assets | $772,805,600 | 802 |
| Average equity | $97,598,400 | 676 |
| Average total loans | $677,498,800 | 687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7791% | 2,991 |
| Cost of funding earning assets | 1.3187% | 6,496 |
| Net interest margin | 4.4604% | 1,291 |
| Noninterest income to average assets | 0.9308% | 1,855 |
| Noninterest expense to average assets | 3.0982% | 3,656 |
| Loan and lease loss provision to assets | 2.1845% | 796 |
| Net operating income to assets | -0.1063% | 5,901 |
| Return on assets (ROA) | -0.1134% | 5,940 |
| Pretax return on assets | -0.2294% | 6,018 |
| Return on Equity (ROE) | -1.0043% | 5,929 |
| Retained earnings to average equity (ytd only) | -1.0043% | 5,488 |
| Net charge-offs to loans | 0.9238% | 2,121 |
| Credit loss provision to net charge-offs | 287.4709% | 1,450 |
| Earnings coverage of net charge-offs (x) | 2.5874% | 3,931 |
| Efficiency ratio | 60.9886% | 6,279 |
| Assets per employee ($millions) | 4.7414% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4209% | 452 |
| Loan loss allowance to noncurrent loans | 65.8776% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 3.9877% | 1,610 |
| Noncurrent loans to loans | 5.1928% | 1,240 |
| Net loans and leases to total assets | 73.8466% | 2,572 |
| Net loans and leases to deposits | 86.4893% | 3,230 |
| Net loans and leases to core deposits | 102.4621% | 4,108 |
| Total domestic deposits to total assets | 85.3824% | 3,037 |
| Equity capital to assets | 13.0748% | 1,668 |
| Core capital (leverage) ratio | 12.2858% | 1,667 |
| Tier 1 risk-based capital ratio | 15.2080% | 2,946 |
| Total risk-based capital ratio | 16.4853% | 2,881 |
| Memoranda: | ||
| Average total assets | $827,645,750 | 828 |
| Average earning assets | $766,997,750 | 815 |
| Average equity | $93,459,500 | 700 |
| Average total loans | $680,784,750 | 705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9193% | 2,502 |
| Cost of funding earning assets | 1.4154% | 6,430 |
| Net interest margin | 4.5038% | 1,163 |
| Noninterest income to average assets | 0.9435% | 1,785 |
| Noninterest expense to average assets | 3.1652% | 3,451 |
| Loan and lease loss provision to assets | 2.3649% | 673 |
| Net operating income to assets | -0.2411% | 6,250 |
| Return on assets (ROA) | -0.2505% | 6,276 |
| Pretax return on assets | -0.4403% | 6,365 |
| Return on Equity (ROE) | -2.3513% | 6,277 |
| Retained earnings to average equity (ytd only) | -2.3513% | 5,825 |
| Net charge-offs to loans | 0.4398% | 3,051 |
| Credit loss provision to net charge-offs | 637.6908% | 730 |
| Earnings coverage of net charge-offs (x) | 5.2296% | 2,882 |
| Efficiency ratio | 61.8184% | 6,273 |
| Assets per employee ($millions) | 4.4257% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2603% | 463 |
| Loan loss allowance to noncurrent loans | 113.8790% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 2.4049% | 2,694 |
| Noncurrent loans to loans | 2.8630% | 2,517 |
| Net loans and leases to total assets | 80.0193% | 1,311 |
| Net loans and leases to deposits | 91.4020% | 2,587 |
| Net loans and leases to core deposits | 109.4967% | 3,434 |
| Total domestic deposits to total assets | 87.5466% | 1,998 |
| Equity capital to assets | 10.9207% | 2,998 |
| Core capital (leverage) ratio | 9.4080% | 4,017 |
| Tier 1 risk-based capital ratio | 11.4018% | 5,496 |
| Total risk-based capital ratio | 12.6773% | 5,375 |
| Memoranda: | ||
| Average total assets | $812,719,330 | 865 |
| Average earning assets | $750,871,000 | 849 |
| Average equity | $86,590,000 | 760 |
| Average total loans | $685,354,330 | 719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 2,597 |
| Cost of funding earning assets | 1.5184% | 6,352 |
| Net interest margin | 4.4244% | 1,288 |
| Noninterest income to average assets | 0.8690% | 1,991 |
| Noninterest expense to average assets | 3.1127% | 3,327 |
| Loan and lease loss provision to assets | 2.5491% | 452 |
| Net operating income to assets | -0.4172% | 6,797 |
| Return on assets (ROA) | -0.4283% | 6,876 |
| Pretax return on assets | -0.7133% | 6,977 |
| Return on Equity (ROE) | -4.0714% | 6,896 |
| Retained earnings to average equity (ytd only) | -4.0714% | 6,433 |
| Net charge-offs to loans | 0.3011% | 2,905 |
| Credit loss provision to net charge-offs | 994.2197% | 637 |
| Earnings coverage of net charge-offs (x) | 7.2274% | 2,374 |
| Efficiency ratio | 62.4851% | 5,967 |
| Assets per employee ($millions) | 4.6893% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7335% | 608 |
| Loan loss allowance to noncurrent loans | 136.5857% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9295% | 3,008 |
| Noncurrent loans to loans | 2.0013% | 3,260 |
| Net loans and leases to total assets | 81.6646% | 1,072 |
| Net loans and leases to deposits | 92.1858% | 2,560 |
| Net loans and leases to core deposits | 109.6936% | 3,475 |
| Total domestic deposits to total assets | 88.5869% | 1,435 |
| Equity capital to assets | 11.0697% | 2,907 |
| Core capital (leverage) ratio | 9.6026% | 3,865 |
| Tier 1 risk-based capital ratio | 11.5119% | 5,400 |
| Total risk-based capital ratio | 12.7813% | 5,273 |
| Memoranda: | ||
| Average total assets | $809,705,500 | 871 |
| Average earning assets | $749,746,000 | 853 |
| Average equity | $85,178,500 | 777 |
| Average total loans | $689,413,500 | 722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6338% | 2,319 |
| Cost of funding earning assets | 2.2195% | 5,513 |
| Net interest margin | 4.4143% | 1,646 |
| Noninterest income to average assets | 1.0381% | 1,459 |
| Noninterest expense to average assets | 3.0147% | 4,037 |
| Loan and lease loss provision to assets | 0.9267% | 1,606 |
| Net operating income to assets | 0.8097% | 3,397 |
| Return on assets (ROA) | 0.7223% | 3,621 |
| Pretax return on assets | 1.0486% | 3,216 |
| Return on Equity (ROE) | 7.2388% | 3,410 |
| Retained earnings to average equity (ytd only) | 0.2052% | 5,106 |
| Net charge-offs to loans | 0.3412% | 3,126 |
| Credit loss provision to net charge-offs | 305.8169% | 1,473 |
| Earnings coverage of net charge-offs (x) | 6.9363% | 3,233 |
| Efficiency ratio | 58.7218% | 6,571 |
| Assets per employee ($millions) | 4.5149% | 2,591 |
| Cash dividends to net income (ytd only)* | 97.1649% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0031% | 1,214 |
| Loan loss allowance to noncurrent loans | 301.2718% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 4,785 |
| Noncurrent loans to loans | 0.6649% | 5,374 |
| Net loans and leases to total assets | 84.6031% | 793 |
| Net loans and leases to deposits | 94.5756% | 2,678 |
| Net loans and leases to core deposits | 127.1436% | 2,070 |
| Total domestic deposits to total assets | 89.4555% | 864 |
| Equity capital to assets | 9.9676% | 4,076 |
| Core capital (leverage) ratio | 8.7521% | 5,111 |
| Tier 1 risk-based capital ratio | 9.6914% | 7,097 |
| Total risk-based capital ratio | 10.9513% | 6,986 |
| Memoranda: | ||
| Average total assets | $771,531,200 | 880 |
| Average earning assets | $712,849,000 | 854 |
| Average equity | $76,987,600 | 865 |
| Average total loans | $685,143,800 | 696 |