Home > Hills Bank and Trust Company > Performance and Condition Ratios
Hills Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,553 |
| Cost of funding earning assets | 1.4143% | 2,193 |
| Net interest margin | 2.8242% | 3,617 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 1.9016% | 3,834 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | 0.9180% | 2,492 |
| Return on assets (ROA) | 0.9180% | 2,461 |
| Pretax return on assets | 1.1660% | 2,222 |
| Return on Equity (ROE) | 7.7500% | 3,091 |
| Retained earnings to average equity (ytd only) | 4.3771% | 2,838 |
| Net charge-offs to loans | 0.2122% | 512 |
| Credit loss provision to net charge-offs | 214.3308% | 1,172 |
| Earnings coverage of net charge-offs (x) | 9.2231% | 2,303 |
| Efficiency ratio | 55.2513% | 3,572 |
| Assets per employee ($millions) | 8.7506% | 1,090 |
| Cash dividends to net income (ytd only)* | 43.5479% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,250 |
| Loan loss allowance to noncurrent loans | 157.1865% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 710 |
| Noncurrent loans to loans | 0.9136% | 822 |
| Net loans and leases to total assets | 78.1400% | 856 |
| Net loans and leases to deposits | 103.2714% | 398 |
| Net loans and leases to core deposits | 110.6033% | 937 |
| Total domestic deposits to total assets | 75.6600% | 3,974 |
| Equity capital to assets | 11.9090% | 1,160 |
| Core capital (leverage) ratio | 12.8196% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,174,528,000 | 314 |
| Average earning assets | $4,032,569,200 | 297 |
| Average equity | $494,232,800 | 267 |
| Average total loans | $3,285,548,400 | 279 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 3,534 |
| Cost of funding earning assets | 1.2809% | 2,195 |
| Net interest margin | 2.8825% | 3,583 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 1.8932% | 3,815 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.0090% | 2,343 |
| Return on assets (ROA) | 1.0090% | 2,327 |
| Pretax return on assets | 1.2841% | 2,086 |
| Return on Equity (ROE) | 8.5400% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.3907% | 3,149 |
| Net charge-offs to loans | 0.1238% | 656 |
| Credit loss provision to net charge-offs | 330.9224% | 830 |
| Earnings coverage of net charge-offs (x) | 16.5159% | 1,930 |
| Efficiency ratio | 54.1059% | 3,578 |
| Assets per employee ($millions) | 8.5571% | 1,097 |
| Cash dividends to net income (ytd only)* | 48.5596% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,298 |
| Loan loss allowance to noncurrent loans | 131.8621% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 621 |
| Noncurrent loans to loans | 1.0896% | 726 |
| Net loans and leases to total assets | 78.2300% | 853 |
| Net loans and leases to deposits | 98.7065% | 571 |
| Net loans and leases to core deposits | 105.7897% | 1,025 |
| Total domestic deposits to total assets | 79.2600% | 3,647 |
| Equity capital to assets | 11.6051% | 1,149 |
| Core capital (leverage) ratio | 12.9374% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,133,080,500 | 314 |
| Average earning assets | $3,992,488,750 | 298 |
| Average equity | $488,568,750 | 270 |
| Average total loans | $3,246,734,250 | 286 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,560 |
| Cost of funding earning assets | 1.1343% | 2,185 |
| Net interest margin | 2.9301% | 3,591 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 1.9008% | 3,822 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1668% | 1,922 |
| Return on assets (ROA) | 1.1668% | 1,918 |
| Pretax return on assets | 1.4919% | 1,618 |
| Return on Equity (ROE) | 9.8100% | 2,766 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,325 |
| Net charge-offs to loans | 0.0510% | 1,003 |
| Credit loss provision to net charge-offs | 446.3892% | 692 |
| Earnings coverage of net charge-offs (x) | 41.1273% | 1,384 |
| Efficiency ratio | 53.6723% | 3,642 |
| Assets per employee ($millions) | 8.2506% | 1,208 |
| Cash dividends to net income (ytd only)* | 63.5588% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,758 |
| Loan loss allowance to noncurrent loans | 564.8125% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,213 |
| Noncurrent loans to loans | 0.2371% | 2,311 |
| Net loans and leases to total assets | 78.9100% | 746 |
| Net loans and leases to deposits | 99.3351% | 551 |
| Net loans and leases to core deposits | 105.4751% | 1,003 |
| Total domestic deposits to total assets | 79.4400% | 3,660 |
| Equity capital to assets | 11.9217% | 1,074 |
| Core capital (leverage) ratio | 12.9188% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,096,007,000 | 307 |
| Average earning assets | $3,959,736,667 | 293 |
| Average equity | $487,240,000 | 263 |
| Average total loans | $3,206,063,333 | 280 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,607 |
| Cost of funding earning assets | 0.9720% | 2,147 |
| Net interest margin | 2.9604% | 3,675 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.9325% | 3,783 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2257% | 1,868 |
| Return on assets (ROA) | 1.2257% | 1,836 |
| Pretax return on assets | 1.5677% | 1,539 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | -0.5730% | 4,095 |
| Net charge-offs to loans | 0.0758% | 695 |
| Credit loss provision to net charge-offs | 38.1271% | 1,323 |
| Earnings coverage of net charge-offs (x) | 27.3378% | 1,342 |
| Efficiency ratio | 54.6468% | 3,539 |
| Assets per employee ($millions) | 8.3007% | 1,204 |
| Cash dividends to net income (ytd only)* | 105.5547% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,120 |
| Loan loss allowance to noncurrent loans | 587.9742% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 2,314 |
| Noncurrent loans to loans | 0.2182% | 2,385 |
| Net loans and leases to total assets | 75.7000% | 1,000 |
| Net loans and leases to deposits | 91.7253% | 935 |
| Net loans and leases to core deposits | 95.8540% | 1,294 |
| Total domestic deposits to total assets | 82.5300% | 3,399 |
| Equity capital to assets | 11.6720% | 1,098 |
| Core capital (leverage) ratio | 12.9006% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,077,231,000 | 319 |
| Average earning assets | $3,945,459,500 | 301 |
| Average equity | $484,464,000 | 270 |
| Average total loans | $3,155,966,500 | 288 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 3,442 |
| Cost of funding earning assets | 0.4126% | 1,992 |
| Net interest margin | 2.9494% | 3,573 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.8745% | 3,884 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1986% | 1,772 |
| Return on assets (ROA) | 1.1986% | 1,712 |
| Pretax return on assets | 1.5314% | 1,358 |
| Return on Equity (ROE) | 10.1800% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.4767% | 2,035 |
| Net charge-offs to loans | -0.0074% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.6020% | 3,927 |
| Assets per employee ($millions) | 7.9109% | 1,371 |
| Cash dividends to net income (ytd only)* | 26.5663% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,752 |
| Loan loss allowance to noncurrent loans | 562.4321% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 2,255 |
| Noncurrent loans to loans | 0.2369% | 2,330 |
| Net loans and leases to total assets | 77.1200% | 885 |
| Net loans and leases to deposits | 91.3687% | 954 |
| Net loans and leases to core deposits | 94.7068% | 1,263 |
| Total domestic deposits to total assets | 84.4000% | 3,127 |
| Equity capital to assets | 12.1027% | 901 |
| Core capital (leverage) ratio | 13.3344% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,021,648,400 | 313 |
| Average earning assets | $3,899,103,400 | 296 |
| Average equity | $473,445,200 | 275 |
| Average total loans | $2,845,157,000 | 292 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2188% | 3,389 |
| Cost of funding earning assets | 0.3495% | 1,708 |
| Net interest margin | 2.8693% | 3,570 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.8344% | 3,912 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1933% | 1,719 |
| Return on assets (ROA) | 1.1933% | 1,695 |
| Pretax return on assets | 1.5483% | 1,275 |
| Return on Equity (ROE) | 10.2100% | 2,659 |
| Retained earnings to average equity (ytd only) | 7.2923% | 2,268 |
| Net charge-offs to loans | -0.0245% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5499% | 3,967 |
| Assets per employee ($millions) | 8.0463% | 1,299 |
| Cash dividends to net income (ytd only)* | 28.5572% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,931 |
| Loan loss allowance to noncurrent loans | 477.8718% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,218 |
| Noncurrent loans to loans | 0.2766% | 2,268 |
| Net loans and leases to total assets | 72.7700% | 1,206 |
| Net loans and leases to deposits | 82.7535% | 1,380 |
| Net loans and leases to core deposits | 85.5067% | 1,557 |
| Total domestic deposits to total assets | 87.9400% | 2,450 |
| Equity capital to assets | 11.5615% | 981 |
| Core capital (leverage) ratio | 12.9061% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $4,032,264,250 | 311 |
| Average earning assets | $3,911,888,250 | 296 |
| Average equity | $471,409,250 | 277 |
| Average total loans | $2,778,925,250 | 291 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0566% | 3,416 |
| Cost of funding earning assets | 0.3132% | 1,590 |
| Net interest margin | 2.7434% | 3,593 |
| Noninterest income to average assets | 0.7225% | 1,252 |
| Noninterest expense to average assets | 1.8002% | 3,954 |
| Loan and lease loss provision to assets | 0.1783% | 491 |
| Net operating income to assets | 1.0983% | 1,775 |
| Return on assets (ROA) | 1.0983% | 1,751 |
| Pretax return on assets | 1.4086% | 1,415 |
| Return on Equity (ROE) | 9.3603% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.0157% | 2,702 |
| Net charge-offs to loans | -0.0327% | 4,076 |
| Credit loss provision to net charge-offs | -526.9663% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1492% | 4,035 |
| Assets per employee ($millions) | 7.7651% | 1,437 |
| Cash dividends to net income (ytd only)* | 46.4151% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,912 |
| Loan loss allowance to noncurrent loans | 495.0188% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,325 |
| Noncurrent loans to loans | 0.2753% | 2,373 |
| Net loans and leases to total assets | 70.3508% | 1,267 |
| Net loans and leases to deposits | 80.3417% | 1,362 |
| Net loans and leases to core deposits | 83.2159% | 1,504 |
| Total domestic deposits to total assets | 87.5645% | 2,740 |
| Equity capital to assets | 11.8926% | 913 |
| Core capital (leverage) ratio | 12.3356% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,043,351,333 | 311 |
| Average earning assets | $3,927,280,333 | 297 |
| Average equity | $474,430,333 | 274 |
| Average total loans | $2,722,214,000 | 292 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8342% | 3,673 |
| Cost of funding earning assets | 0.3067% | 1,590 |
| Net interest margin | 2.5275% | 3,838 |
| Noninterest income to average assets | 0.7179% | 1,258 |
| Noninterest expense to average assets | 1.7383% | 4,076 |
| Loan and lease loss provision to assets | 0.1078% | 780 |
| Net operating income to assets | 1.0405% | 1,724 |
| Return on assets (ROA) | 1.0405% | 1,722 |
| Pretax return on assets | 1.3304% | 1,432 |
| Return on Equity (ROE) | 8.9257% | 2,342 |
| Retained earnings to average equity (ytd only) | 0.2932% | 3,958 |
| Net charge-offs to loans | -0.0173% | 3,839 |
| Credit loss provision to net charge-offs | -227.5862% | 2,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7246% | 4,006 |
| Assets per employee ($millions) | 8.3013% | 1,211 |
| Cash dividends to net income (ytd only)* | 96.7155% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,207 |
| Loan loss allowance to noncurrent loans | 397.4501% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,342 |
| Noncurrent loans to loans | 0.3350% | 2,285 |
| Net loans and leases to total assets | 64.0053% | 1,619 |
| Net loans and leases to deposits | 72.5259% | 1,743 |
| Net loans and leases to core deposits | 75.4250% | 1,814 |
| Total domestic deposits to total assets | 88.2517% | 2,409 |
| Equity capital to assets | 11.2436% | 1,217 |
| Core capital (leverage) ratio | 12.0093% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,096,578,500 | 314 |
| Average earning assets | $3,985,019,500 | 299 |
| Average equity | $477,545,000 | 279 |
| Average total loans | $2,679,371,500 | 296 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 3,545 |
| Cost of funding earning assets | 0.4572% | 1,146 |
| Net interest margin | 2.7096% | 3,853 |
| Noninterest income to average assets | 0.8767% | 1,266 |
| Noninterest expense to average assets | 2.0627% | 3,495 |
| Loan and lease loss provision to assets | -0.1388% | 4,606 |
| Net operating income to assets | 1.2260% | 1,835 |
| Return on assets (ROA) | 1.2260% | 1,881 |
| Pretax return on assets | 1.5866% | 1,462 |
| Return on Equity (ROE) | 10.2332% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.6503% | 1,681 |
| Net charge-offs to loans | -0.0529% | 4,350 |
| Credit loss provision to net charge-offs | 404.5550% | 903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7588% | 3,322 |
| Assets per employee ($millions) | 8.1175% | 1,268 |
| Cash dividends to net income (ytd only)* | 25.2406% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,237 |
| Loan loss allowance to noncurrent loans | 407.7949% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 2,471 |
| Noncurrent loans to loans | 0.3262% | 2,417 |
| Net loans and leases to total assets | 65.0781% | 1,575 |
| Net loans and leases to deposits | 74.3854% | 1,695 |
| Net loans and leases to core deposits | 77.5297% | 1,800 |
| Total domestic deposits to total assets | 87.4877% | 2,284 |
| Equity capital to assets | 12.0818% | 1,220 |
| Core capital (leverage) ratio | 11.8049% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,966,190,200 | 302 |
| Average earning assets | $3,855,212,600 | 292 |
| Average equity | $475,159,200 | 279 |
| Average total loans | $2,697,604,800 | 289 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 3,535 |
| Cost of funding earning assets | 0.4751% | 1,182 |
| Net interest margin | 2.7627% | 3,858 |
| Noninterest income to average assets | 0.8731% | 1,315 |
| Noninterest expense to average assets | 1.8611% | 4,032 |
| Loan and lease loss provision to assets | -0.1541% | 4,693 |
| Net operating income to assets | 1.4288% | 1,450 |
| Return on assets (ROA) | 1.4288% | 1,517 |
| Pretax return on assets | 1.8499% | 1,048 |
| Return on Equity (ROE) | 11.9524% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.4845% | 1,880 |
| Net charge-offs to loans | -0.0656% | 4,458 |
| Credit loss provision to net charge-offs | 417.5056% | 840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3224% | 4,001 |
| Assets per employee ($millions) | 8.2674% | 1,144 |
| Cash dividends to net income (ytd only)* | 29.0149% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,308 |
| Loan loss allowance to noncurrent loans | 406.0005% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,694 |
| Noncurrent loans to loans | 0.3289% | 2,605 |
| Net loans and leases to total assets | 64.3948% | 1,719 |
| Net loans and leases to deposits | 75.7908% | 1,687 |
| Net loans and leases to core deposits | 79.1164% | 1,808 |
| Total domestic deposits to total assets | 84.9639% | 3,127 |
| Equity capital to assets | 11.8929% | 1,449 |
| Core capital (leverage) ratio | 12.0079% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,947,114,000 | 304 |
| Average earning assets | $3,834,403,000 | 293 |
| Average equity | $471,847,500 | 281 |
| Average total loans | $2,705,444,000 | 289 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 3,513 |
| Cost of funding earning assets | 0.5009% | 1,200 |
| Net interest margin | 2.7669% | 3,855 |
| Noninterest income to average assets | 0.8908% | 1,293 |
| Noninterest expense to average assets | 1.8906% | 3,989 |
| Loan and lease loss provision to assets | -0.2380% | 4,794 |
| Net operating income to assets | 1.4870% | 1,330 |
| Return on assets (ROA) | 1.4870% | 1,387 |
| Pretax return on assets | 1.9259% | 960 |
| Return on Equity (ROE) | 12.4172% | 1,905 |
| Retained earnings to average equity (ytd only) | 8.0197% | 2,065 |
| Net charge-offs to loans | -0.0936% | 4,607 |
| Credit loss provision to net charge-offs | 404.4776% | 753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8321% | 3,946 |
| Assets per employee ($millions) | 7.8019% | 1,307 |
| Cash dividends to net income (ytd only)* | 35.4144% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,282 |
| Loan loss allowance to noncurrent loans | 411.0247% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,818 |
| Noncurrent loans to loans | 0.3238% | 2,757 |
| Net loans and leases to total assets | 67.8966% | 1,459 |
| Net loans and leases to deposits | 80.1850% | 1,405 |
| Net loans and leases to core deposits | 84.1502% | 1,549 |
| Total domestic deposits to total assets | 84.6750% | 3,229 |
| Equity capital to assets | 12.1112% | 1,312 |
| Core capital (leverage) ratio | 11.7780% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,901,458,333 | 307 |
| Average earning assets | $3,789,772,000 | 296 |
| Average equity | $467,224,333 | 282 |
| Average total loans | $2,718,750,000 | 290 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 3,463 |
| Cost of funding earning assets | 0.5179% | 1,283 |
| Net interest margin | 2.7759% | 3,819 |
| Noninterest income to average assets | 0.9408% | 1,236 |
| Noninterest expense to average assets | 1.9159% | 3,951 |
| Loan and lease loss provision to assets | -0.3068% | 4,860 |
| Net operating income to assets | 1.5658% | 1,187 |
| Return on assets (ROA) | 1.5658% | 1,248 |
| Pretax return on assets | 2.0292% | 907 |
| Return on Equity (ROE) | 13.1496% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.2781% | 3,425 |
| Net charge-offs to loans | -0.0798% | 4,567 |
| Credit loss provision to net charge-offs | 687.5000% | 514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6595% | 3,943 |
| Assets per employee ($millions) | 7.8456% | 1,261 |
| Cash dividends to net income (ytd only)* | 67.4657% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 2,179 |
| Loan loss allowance to noncurrent loans | 419.1850% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,053 |
| Noncurrent loans to loans | 0.3235% | 2,942 |
| Net loans and leases to total assets | 66.5830% | 1,723 |
| Net loans and leases to deposits | 78.0645% | 1,709 |
| Net loans and leases to core deposits | 82.5705% | 1,794 |
| Total domestic deposits to total assets | 85.2923% | 2,999 |
| Equity capital to assets | 11.5472% | 1,512 |
| Core capital (leverage) ratio | 11.7965% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,890,004,000 | 304 |
| Average earning assets | $3,780,110,500 | 294 |
| Average equity | $463,193,000 | 281 |
| Average total loans | $2,727,899,000 | 289 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 3,494 |
| Cost of funding earning assets | 0.7822% | 1,288 |
| Net interest margin | 2.9480% | 4,012 |
| Noninterest income to average assets | 0.8154% | 1,488 |
| Noninterest expense to average assets | 2.1342% | 3,860 |
| Loan and lease loss provision to assets | 0.1224% | 2,838 |
| Net operating income to assets | 1.0908% | 1,959 |
| Return on assets (ROA) | 1.0911% | 2,077 |
| Pretax return on assets | 1.4128% | 1,616 |
| Return on Equity (ROE) | 8.7536% | 2,492 |
| Retained earnings to average equity (ytd only) | 5.4127% | 2,089 |
| Net charge-offs to loans | 0.0383% | 2,285 |
| Credit loss provision to net charge-offs | 415.8397% | 1,397 |
| Earnings coverage of net charge-offs (x) | 52.1317% | 1,160 |
| Efficiency ratio | 58.1669% | 3,705 |
| Assets per employee ($millions) | 7.4679% | 1,303 |
| Cash dividends to net income (ytd only)* | 38.1656% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,211 |
| Loan loss allowance to noncurrent loans | 374.0666% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,985 |
| Noncurrent loans to loans | 0.3597% | 2,909 |
| Net loans and leases to total assets | 71.9272% | 1,295 |
| Net loans and leases to deposits | 85.0916% | 1,337 |
| Net loans and leases to core deposits | 90.5363% | 1,488 |
| Total domestic deposits to total assets | 84.5292% | 2,941 |
| Equity capital to assets | 12.2885% | 1,426 |
| Core capital (leverage) ratio | 11.9438% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,559,439,600 | 307 |
| Average earning assets | $3,445,613,400 | 295 |
| Average equity | $443,657,000 | 281 |
| Average total loans | $2,734,050,000 | 286 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 3,592 |
| Cost of funding earning assets | 0.8250% | 1,380 |
| Net interest margin | 2.9662% | 4,059 |
| Noninterest income to average assets | 0.7992% | 1,498 |
| Noninterest expense to average assets | 2.0089% | 4,127 |
| Loan and lease loss provision to assets | 0.1712% | 2,284 |
| Net operating income to assets | 1.1500% | 1,820 |
| Return on assets (ROA) | 1.1503% | 1,936 |
| Pretax return on assets | 1.4881% | 1,471 |
| Return on Equity (ROE) | 9.1939% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.6870% | 2,701 |
| Net charge-offs to loans | 0.0586% | 1,774 |
| Credit loss provision to net charge-offs | 375.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 36.3367% | 1,432 |
| Efficiency ratio | 54.7714% | 4,065 |
| Assets per employee ($millions) | 7.5724% | 1,173 |
| Cash dividends to net income (ytd only)* | 49.0210% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,060 |
| Loan loss allowance to noncurrent loans | 183.3111% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,095 |
| Noncurrent loans to loans | 0.7231% | 1,993 |
| Net loans and leases to total assets | 73.0159% | 1,498 |
| Net loans and leases to deposits | 88.5171% | 1,427 |
| Net loans and leases to core deposits | 94.1472% | 1,630 |
| Total domestic deposits to total assets | 82.4880% | 3,293 |
| Equity capital to assets | 12.0147% | 1,668 |
| Core capital (leverage) ratio | 12.2289% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,504,608,250 | 308 |
| Average earning assets | $3,389,304,750 | 294 |
| Average equity | $438,482,500 | 281 |
| Average total loans | $2,728,805,250 | 282 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 3,552 |
| Cost of funding earning assets | 0.8799% | 1,460 |
| Net interest margin | 3.0442% | 4,031 |
| Noninterest income to average assets | 0.7750% | 1,502 |
| Noninterest expense to average assets | 2.0244% | 4,182 |
| Loan and lease loss provision to assets | 0.2729% | 1,570 |
| Net operating income to assets | 1.0981% | 1,973 |
| Return on assets (ROA) | 1.0985% | 2,090 |
| Pretax return on assets | 1.4192% | 1,678 |
| Return on Equity (ROE) | 8.6533% | 2,510 |
| Retained earnings to average equity (ytd only) | 2.7352% | 3,485 |
| Net charge-offs to loans | 0.0589% | 1,661 |
| Credit loss provision to net charge-offs | 584.3162% | 1,124 |
| Earnings coverage of net charge-offs (x) | 36.2208% | 1,309 |
| Efficiency ratio | 54.4791% | 4,120 |
| Assets per employee ($millions) | 7.2820% | 1,287 |
| Cash dividends to net income (ytd only)* | 68.3913% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,793 |
| Loan loss allowance to noncurrent loans | 279.9107% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 2,796 |
| Noncurrent loans to loans | 0.4810% | 2,707 |
| Net loans and leases to total assets | 77.1019% | 984 |
| Net loans and leases to deposits | 94.2229% | 945 |
| Net loans and leases to core deposits | 100.4088% | 1,228 |
| Total domestic deposits to total assets | 81.8293% | 3,418 |
| Equity capital to assets | 12.4394% | 1,407 |
| Core capital (leverage) ratio | 12.4844% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,413,264,000 | 311 |
| Average earning assets | $3,297,471,000 | 298 |
| Average equity | $433,313,000 | 285 |
| Average total loans | $2,706,383,667 | 282 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,685 |
| Cost of funding earning assets | 0.9783% | 1,519 |
| Net interest margin | 3.0598% | 4,180 |
| Noninterest income to average assets | 0.7636% | 1,421 |
| Noninterest expense to average assets | 2.0682% | 4,280 |
| Loan and lease loss provision to assets | 0.5581% | 508 |
| Net operating income to assets | 0.8547% | 2,687 |
| Return on assets (ROA) | 0.8557% | 2,778 |
| Pretax return on assets | 1.0903% | 2,555 |
| Return on Equity (ROE) | 6.6681% | 3,076 |
| Retained earnings to average equity (ytd only) | -5.3267% | 4,546 |
| Net charge-offs to loans | 0.0104% | 2,203 |
| Credit loss provision to net charge-offs | 6,737.6812% | 114 |
| Earnings coverage of net charge-offs (x) | 198.8696% | 347 |
| Efficiency ratio | 55.6654% | 4,241 |
| Assets per employee ($millions) | 6.9376% | 1,123 |
| Cash dividends to net income (ytd only)* | 179.8822% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,575 |
| Loan loss allowance to noncurrent loans | 296.0618% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 2,903 |
| Noncurrent loans to loans | 0.4839% | 2,810 |
| Net loans and leases to total assets | 78.4006% | 921 |
| Net loans and leases to deposits | 96.4737% | 861 |
| Net loans and leases to core deposits | 103.8229% | 1,200 |
| Total domestic deposits to total assets | 81.2663% | 3,609 |
| Equity capital to assets | 12.6942% | 1,623 |
| Core capital (leverage) ratio | 12.8698% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,332,157,000 | 309 |
| Average earning assets | $3,214,553,500 | 297 |
| Average equity | $427,585,500 | 289 |
| Average total loans | $2,662,384,000 | 277 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 3,700 |
| Cost of funding earning assets | 1.1183% | 1,263 |
| Net interest margin | 3.1253% | 4,330 |
| Noninterest income to average assets | 0.7825% | 1,503 |
| Noninterest expense to average assets | 2.0718% | 4,405 |
| Loan and lease loss provision to assets | -0.0890% | 5,064 |
| Net operating income to assets | 1.4141% | 1,298 |
| Return on assets (ROA) | 1.4134% | 1,375 |
| Pretax return on assets | 1.8095% | 916 |
| Return on Equity (ROE) | 11.2926% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.4026% | 615 |
| Net charge-offs to loans | 0.0442% | 2,505 |
| Credit loss provision to net charge-offs | -246.1538% | 4,323 |
| Earnings coverage of net charge-offs (x) | 47.6274% | 1,162 |
| Efficiency ratio | 54.6188% | 4,359 |
| Assets per employee ($millions) | 6.7476% | 1,152 |
| Cash dividends to net income (ytd only)* | 16.7370% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,046 |
| Loan loss allowance to noncurrent loans | 296.4264% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 3,017 |
| Noncurrent loans to loans | 0.4300% | 2,907 |
| Net loans and leases to total assets | 79.2433% | 890 |
| Net loans and leases to deposits | 98.0422% | 760 |
| Net loans and leases to core deposits | 106.3649% | 1,089 |
| Total domestic deposits to total assets | 80.8257% | 3,803 |
| Equity capital to assets | 12.9727% | 1,544 |
| Core capital (leverage) ratio | 12.8073% | 1,330 |
| Tier 1 risk-based capital ratio | 16.9473% | 2,063 |
| Total risk-based capital ratio | 18.1985% | 2,015 |
| Memoranda: | ||
| Average total assets | $3,237,206,800 | 305 |
| Average earning assets | $3,118,389,600 | 291 |
| Average equity | $405,177,000 | 289 |
| Average total loans | $2,648,904,200 | 272 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,790 |
| Cost of funding earning assets | 1.1261% | 1,256 |
| Net interest margin | 3.1319% | 4,428 |
| Noninterest income to average assets | 0.7524% | 1,586 |
| Noninterest expense to average assets | 2.0214% | 4,509 |
| Loan and lease loss provision to assets | -0.0680% | 5,136 |
| Net operating income to assets | 1.4104% | 1,434 |
| Return on assets (ROA) | 1.4095% | 1,501 |
| Pretax return on assets | 1.8130% | 1,056 |
| Return on Equity (ROE) | 11.3674% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.8113% | 1,098 |
| Net charge-offs to loans | 0.0301% | 2,470 |
| Credit loss provision to net charge-offs | -274.5819% | 4,219 |
| Earnings coverage of net charge-offs (x) | 70.5555% | 942 |
| Efficiency ratio | 53.6525% | 4,431 |
| Assets per employee ($millions) | 6.9636% | 1,039 |
| Cash dividends to net income (ytd only)* | 22.4858% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,818 |
| Loan loss allowance to noncurrent loans | 323.5107% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,110 |
| Noncurrent loans to loans | 0.4128% | 3,069 |
| Net loans and leases to total assets | 78.3021% | 1,091 |
| Net loans and leases to deposits | 97.2545% | 897 |
| Net loans and leases to core deposits | 106.7003% | 1,132 |
| Total domestic deposits to total assets | 80.5126% | 3,864 |
| Equity capital to assets | 12.4138% | 1,973 |
| Core capital (leverage) ratio | 12.5061% | 1,565 |
| Tier 1 risk-based capital ratio | 16.7053% | 2,183 |
| Total risk-based capital ratio | 17.9577% | 2,121 |
| Memoranda: | ||
| Average total assets | $3,221,619,500 | 307 |
| Average earning assets | $3,101,587,000 | 295 |
| Average equity | $399,460,750 | 294 |
| Average total loans | $2,649,021,000 | 276 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 3,772 |
| Cost of funding earning assets | 1.1065% | 1,277 |
| Net interest margin | 3.1491% | 4,454 |
| Noninterest income to average assets | 0.7193% | 1,635 |
| Noninterest expense to average assets | 2.0333% | 4,548 |
| Loan and lease loss provision to assets | -0.1125% | 5,217 |
| Net operating income to assets | 1.4266% | 1,352 |
| Return on assets (ROA) | 1.4240% | 1,419 |
| Pretax return on assets | 1.8274% | 973 |
| Return on Equity (ROE) | 11.4892% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.5992% | 1,558 |
| Net charge-offs to loans | 0.0282% | 2,292 |
| Credit loss provision to net charge-offs | -479.0885% | 4,127 |
| Earnings coverage of net charge-offs (x) | 73.1635% | 869 |
| Efficiency ratio | 54.2007% | 4,449 |
| Assets per employee ($millions) | 6.7126% | 1,130 |
| Cash dividends to net income (ytd only)* | 33.8580% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,833 |
| Loan loss allowance to noncurrent loans | 307.1158% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,105 |
| Noncurrent loans to loans | 0.4377% | 2,964 |
| Net loans and leases to total assets | 80.2054% | 850 |
| Net loans and leases to deposits | 99.8302% | 693 |
| Net loans and leases to core deposits | 111.1780% | 906 |
| Total domestic deposits to total assets | 80.3418% | 3,966 |
| Equity capital to assets | 12.4078% | 1,909 |
| Core capital (leverage) ratio | 12.4652% | 1,550 |
| Tier 1 risk-based capital ratio | 16.5618% | 2,215 |
| Total risk-based capital ratio | 17.8145% | 2,168 |
| Memoranda: | ||
| Average total assets | $3,176,677,670 | 309 |
| Average earning assets | $3,058,680,330 | 299 |
| Average equity | $393,727,000 | 296 |
| Average total loans | $2,644,115,330 | 277 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 3,792 |
| Cost of funding earning assets | 1.0712% | 1,286 |
| Net interest margin | 3.1538% | 4,489 |
| Noninterest income to average assets | 0.6886% | 1,649 |
| Noninterest expense to average assets | 2.0408% | 4,576 |
| Loan and lease loss provision to assets | -0.1590% | 5,307 |
| Net operating income to assets | 1.4363% | 1,277 |
| Return on assets (ROA) | 1.4363% | 1,304 |
| Pretax return on assets | 1.8410% | 888 |
| Return on Equity (ROE) | 11.5951% | 1,696 |
| Retained earnings to average equity (ytd only) | 3.7043% | 3,441 |
| Net charge-offs to loans | 0.0067% | 2,458 |
| Credit loss provision to net charge-offs | -2,831.8182% | 4,123 |
| Earnings coverage of net charge-offs (x) | 299.5000% | 272 |
| Efficiency ratio | 54.8188% | 4,454 |
| Assets per employee ($millions) | 6.5579% | 1,213 |
| Cash dividends to net income (ytd only)* | 68.0530% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 1,758 |
| Loan loss allowance to noncurrent loans | 295.6606% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,056 |
| Noncurrent loans to loans | 0.4662% | 2,915 |
| Net loans and leases to total assets | 80.9780% | 712 |
| Net loans and leases to deposits | 100.5306% | 594 |
| Net loans and leases to core deposits | 110.6128% | 891 |
| Total domestic deposits to total assets | 80.5506% | 4,060 |
| Equity capital to assets | 12.1248% | 1,947 |
| Core capital (leverage) ratio | 12.5287% | 1,495 |
| Tier 1 risk-based capital ratio | 16.0467% | 2,420 |
| Total risk-based capital ratio | 17.2998% | 2,363 |
| Memoranda: | ||
| Average total assets | $3,133,865,500 | 313 |
| Average earning assets | $3,015,005,000 | 301 |
| Average equity | $388,200,000 | 298 |
| Average total loans | $2,640,077,000 | 281 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,817 |
| Cost of funding earning assets | 0.9031% | 1,081 |
| Net interest margin | 3.1728% | 4,533 |
| Noninterest income to average assets | 0.7984% | 1,451 |
| Noninterest expense to average assets | 2.0355% | 4,685 |
| Loan and lease loss provision to assets | 0.2802% | 594 |
| Net operating income to assets | 1.2293% | 2,052 |
| Return on assets (ROA) | 1.2293% | 2,043 |
| Pretax return on assets | 1.5320% | 1,675 |
| Return on Equity (ROE) | 10.0649% | 2,490 |
| Retained earnings to average equity (ytd only) | 6.9594% | 1,685 |
| Net charge-offs to loans | 0.0034% | 3,612 |
| Credit loss provision to net charge-offs | 9,766.6667% | 47 |
| Earnings coverage of net charge-offs (x) | 631.6782% | 171 |
| Efficiency ratio | 52.9027% | 4,723 |
| Assets per employee ($millions) | 6.2706% | 1,344 |
| Cash dividends to net income (ytd only)* | 30.8549% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,497 |
| Loan loss allowance to noncurrent loans | 336.9875% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 3,068 |
| Noncurrent loans to loans | 0.4265% | 3,008 |
| Net loans and leases to total assets | 85.2637% | 291 |
| Net loans and leases to deposits | 106.9156% | 338 |
| Net loans and leases to core deposits | 117.4827% | 636 |
| Total domestic deposits to total assets | 79.7487% | 4,160 |
| Equity capital to assets | 12.6657% | 1,504 |
| Core capital (leverage) ratio | 12.7334% | 1,358 |
| Tier 1 risk-based capital ratio | 15.9954% | 2,406 |
| Total risk-based capital ratio | 17.2494% | 2,346 |
| Memoranda: | ||
| Average total assets | $3,032,596,800 | 320 |
| Average earning assets | $2,914,588,200 | 306 |
| Average equity | $370,406,600 | 305 |
| Average total loans | $2,524,941,200 | 280 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 3,916 |
| Cost of funding earning assets | 0.8636% | 1,057 |
| Net interest margin | 3.1413% | 4,632 |
| Noninterest income to average assets | 0.8393% | 1,355 |
| Noninterest expense to average assets | 2.0602% | 4,626 |
| Loan and lease loss provision to assets | 0.0677% | 2,620 |
| Net operating income to assets | 1.3794% | 1,555 |
| Return on assets (ROA) | 1.3794% | 1,560 |
| Pretax return on assets | 1.7312% | 1,203 |
| Return on Equity (ROE) | 11.3995% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.2171% | 2,016 |
| Net charge-offs to loans | -0.0038% | 4,175 |
| Credit loss provision to net charge-offs | -2,167.6056% | 4,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3849% | 4,670 |
| Assets per employee ($millions) | 6.4198% | 1,228 |
| Cash dividends to net income (ytd only)* | 36.6887% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,564 |
| Loan loss allowance to noncurrent loans | 320.9813% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,443 |
| Noncurrent loans to loans | 0.3774% | 3,299 |
| Net loans and leases to total assets | 81.5648% | 784 |
| Net loans and leases to deposits | 101.5946% | 672 |
| Net loans and leases to core deposits | 110.0114% | 1,031 |
| Total domestic deposits to total assets | 80.2845% | 4,045 |
| Equity capital to assets | 12.2198% | 1,760 |
| Core capital (leverage) ratio | 12.6529% | 1,437 |
| Tier 1 risk-based capital ratio | 16.2133% | 2,370 |
| Total risk-based capital ratio | 17.4641% | 2,315 |
| Memoranda: | ||
| Average total assets | $3,030,437,750 | 318 |
| Average earning assets | $2,913,177,250 | 304 |
| Average equity | $366,710,000 | 303 |
| Average total loans | $2,498,456,750 | 282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,929 |
| Cost of funding earning assets | 0.8287% | 1,012 |
| Net interest margin | 3.1211% | 4,685 |
| Noninterest income to average assets | 0.8160% | 1,427 |
| Noninterest expense to average assets | 2.0569% | 4,692 |
| Loan and lease loss provision to assets | -0.0036% | 5,288 |
| Net operating income to assets | 1.4066% | 1,416 |
| Return on assets (ROA) | 1.4066% | 1,417 |
| Pretax return on assets | 1.7634% | 1,059 |
| Return on Equity (ROE) | 11.6632% | 1,852 |
| Retained earnings to average equity (ytd only) | 6.4223% | 2,351 |
| Net charge-offs to loans | -0.0132% | 4,410 |
| Credit loss provision to net charge-offs | 32.9268% | 2,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8913% | 4,704 |
| Assets per employee ($millions) | 6.2012% | 1,329 |
| Cash dividends to net income (ytd only)* | 44.9357% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,849 |
| Loan loss allowance to noncurrent loans | 306.3428% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,477 |
| Noncurrent loans to loans | 0.3839% | 3,321 |
| Net loans and leases to total assets | 82.6304% | 637 |
| Net loans and leases to deposits | 103.4142% | 557 |
| Net loans and leases to core deposits | 112.0570% | 882 |
| Total domestic deposits to total assets | 79.9024% | 4,253 |
| Equity capital to assets | 12.3681% | 1,617 |
| Core capital (leverage) ratio | 12.5171% | 1,429 |
| Tier 1 risk-based capital ratio | 16.0281% | 2,426 |
| Total risk-based capital ratio | 17.2783% | 2,364 |
| Memoranda: | ||
| Average total assets | $3,006,999,000 | 319 |
| Average earning assets | $2,891,045,670 | 305 |
| Average equity | $362,644,670 | 300 |
| Average total loans | $2,477,898,000 | 283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,004 |
| Cost of funding earning assets | 0.7931% | 978 |
| Net interest margin | 3.0815% | 4,741 |
| Noninterest income to average assets | 0.7840% | 1,504 |
| Noninterest expense to average assets | 2.0373% | 4,778 |
| Loan and lease loss provision to assets | -0.1017% | 5,508 |
| Net operating income to assets | 1.4481% | 1,200 |
| Return on assets (ROA) | 1.4481% | 1,207 |
| Pretax return on assets | 1.8110% | 889 |
| Return on Equity (ROE) | 12.1621% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.1130% | 4,314 |
| Net charge-offs to loans | -0.0447% | 4,923 |
| Credit loss provision to net charge-offs | 278.1818% | 861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3771% | 4,760 |
| Assets per employee ($millions) | 6.3569% | 1,276 |
| Cash dividends to net income (ytd only)* | 82.6267% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,955 |
| Loan loss allowance to noncurrent loans | 317.0304% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,646 |
| Noncurrent loans to loans | 0.3709% | 3,455 |
| Net loans and leases to total assets | 79.4562% | 1,012 |
| Net loans and leases to deposits | 99.4563% | 751 |
| Net loans and leases to core deposits | 117.8449% | 658 |
| Total domestic deposits to total assets | 79.8906% | 4,436 |
| Equity capital to assets | 11.8151% | 1,907 |
| Core capital (leverage) ratio | 12.2129% | 1,519 |
| Tier 1 risk-based capital ratio | 15.9271% | 2,512 |
| Total risk-based capital ratio | 17.1773% | 2,449 |
| Memoranda: | ||
| Average total assets | $3,009,812,000 | 316 |
| Average earning assets | $2,893,818,500 | 304 |
| Average equity | $358,360,000 | 304 |
| Average total loans | $2,462,068,000 | 283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,488 |
| Cost of funding earning assets | 0.6745% | 1,159 |
| Net interest margin | 3.3018% | 4,160 |
| Noninterest income to average assets | 0.7469% | 1,785 |
| Noninterest expense to average assets | 2.1102% | 4,739 |
| Loan and lease loss provision to assets | 0.0606% | 3,021 |
| Net operating income to assets | 1.0319% | 2,117 |
| Return on assets (ROA) | 1.0319% | 2,148 |
| Pretax return on assets | 1.7362% | 924 |
| Return on Equity (ROE) | 8.3523% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.1762% | 1,449 |
| Net charge-offs to loans | -0.0498% | 5,182 |
| Credit loss provision to net charge-offs | -142.8088% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0097% | 4,951 |
| Assets per employee ($millions) | 6.2887% | 1,329 |
| Cash dividends to net income (ytd only)* | 26.0538% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,827 |
| Loan loss allowance to noncurrent loans | 291.8694% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,502 |
| Noncurrent loans to loans | 0.4085% | 3,303 |
| Net loans and leases to total assets | 82.2537% | 649 |
| Net loans and leases to deposits | 106.2466% | 393 |
| Net loans and leases to core deposits | 124.8457% | 463 |
| Total domestic deposits to total assets | 77.4177% | 4,806 |
| Equity capital to assets | 12.0007% | 1,837 |
| Core capital (leverage) ratio | 12.3642% | 1,417 |
| Tier 1 risk-based capital ratio | 15.4409% | 2,646 |
| Total risk-based capital ratio | 16.6913% | 2,586 |
| Memoranda: | ||
| Average total assets | $2,784,094,200 | 322 |
| Average earning assets | $2,664,591,600 | 308 |
| Average equity | $343,963,800 | 299 |
| Average total loans | $2,373,823,800 | 279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,420 |
| Cost of funding earning assets | 0.6523% | 1,222 |
| Net interest margin | 3.3269% | 4,086 |
| Noninterest income to average assets | 0.7497% | 1,784 |
| Noninterest expense to average assets | 2.1404% | 4,651 |
| Loan and lease loss provision to assets | 0.0889% | 2,299 |
| Net operating income to assets | 1.1628% | 1,832 |
| Return on assets (ROA) | 1.1628% | 1,876 |
| Pretax return on assets | 1.7016% | 1,119 |
| Return on Equity (ROE) | 9.3392% | 2,423 |
| Retained earnings to average equity (ytd only) | 6.4134% | 2,003 |
| Net charge-offs to loans | -0.0563% | 5,200 |
| Credit loss provision to net charge-offs | -183.9879% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4508% | 4,903 |
| Assets per employee ($millions) | 5.8076% | 1,643 |
| Cash dividends to net income (ytd only)* | 31.3285% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,881 |
| Loan loss allowance to noncurrent loans | 263.7491% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 3,411 |
| Noncurrent loans to loans | 0.4584% | 3,333 |
| Net loans and leases to total assets | 86.2070% | 247 |
| Net loans and leases to deposits | 115.6426% | 160 |
| Net loans and leases to core deposits | 123.7244% | 469 |
| Total domestic deposits to total assets | 74.5460% | 5,178 |
| Equity capital to assets | 12.6790% | 1,559 |
| Core capital (leverage) ratio | 12.7916% | 1,295 |
| Tier 1 risk-based capital ratio | 15.4241% | 2,735 |
| Total risk-based capital ratio | 16.6746% | 2,681 |
| Memoranda: | ||
| Average total assets | $2,739,626,000 | 325 |
| Average earning assets | $2,619,676,750 | 313 |
| Average equity | $341,090,750 | 299 |
| Average total loans | $2,350,848,000 | 283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,427 |
| Cost of funding earning assets | 0.6264% | 1,295 |
| Net interest margin | 3.3098% | 4,072 |
| Noninterest income to average assets | 0.7535% | 1,755 |
| Noninterest expense to average assets | 2.1504% | 4,668 |
| Loan and lease loss provision to assets | 0.1245% | 1,663 |
| Net operating income to assets | 1.1290% | 1,856 |
| Return on assets (ROA) | 1.1290% | 1,911 |
| Pretax return on assets | 1.6447% | 1,210 |
| Return on Equity (ROE) | 9.1253% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.6860% | 2,923 |
| Net charge-offs to loans | -0.0622% | 5,259 |
| Credit loss provision to net charge-offs | -234.7165% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8629% | 4,935 |
| Assets per employee ($millions) | 5.6702% | 1,727 |
| Cash dividends to net income (ytd only)* | 48.6481% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,911 |
| Loan loss allowance to noncurrent loans | 304.7048% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,692 |
| Noncurrent loans to loans | 0.3995% | 3,597 |
| Net loans and leases to total assets | 86.1464% | 261 |
| Net loans and leases to deposits | 112.5586% | 218 |
| Net loans and leases to core deposits | 122.8487% | 471 |
| Total domestic deposits to total assets | 76.5347% | 5,022 |
| Equity capital to assets | 12.6186% | 1,566 |
| Core capital (leverage) ratio | 12.6258% | 1,328 |
| Tier 1 risk-based capital ratio | 15.2977% | 2,799 |
| Total risk-based capital ratio | 16.5482% | 2,733 |
| Memoranda: | ||
| Average total assets | $2,725,552,000 | 332 |
| Average earning assets | $2,607,209,670 | 320 |
| Average equity | $337,217,670 | 304 |
| Average total loans | $2,325,298,330 | 288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 3,540 |
| Cost of funding earning assets | 0.6110% | 1,293 |
| Net interest margin | 3.2519% | 4,170 |
| Noninterest income to average assets | 0.7537% | 1,731 |
| Noninterest expense to average assets | 2.0764% | 4,900 |
| Loan and lease loss provision to assets | -0.1195% | 5,761 |
| Net operating income to assets | 1.2941% | 1,255 |
| Return on assets (ROA) | 1.2941% | 1,287 |
| Pretax return on assets | 1.9086% | 617 |
| Return on Equity (ROE) | 10.5648% | 1,708 |
| Retained earnings to average equity (ytd only) | 2.1933% | 4,268 |
| Net charge-offs to loans | -0.1277% | 5,521 |
| Credit loss provision to net charge-offs | 110.8992% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7162% | 5,157 |
| Assets per employee ($millions) | 5.8845% | 1,590 |
| Cash dividends to net income (ytd only)* | 79.2399% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,442 |
| Loan loss allowance to noncurrent loans | 277.6903% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 3,809 |
| Noncurrent loans to loans | 0.4124% | 3,614 |
| Net loans and leases to total assets | 81.6839% | 604 |
| Net loans and leases to deposits | 104.9943% | 361 |
| Net loans and leases to core deposits | 113.5204% | 701 |
| Total domestic deposits to total assets | 77.7985% | 4,992 |
| Equity capital to assets | 12.0563% | 1,795 |
| Core capital (leverage) ratio | 12.6175% | 1,283 |
| Tier 1 risk-based capital ratio | 15.1496% | 2,899 |
| Total risk-based capital ratio | 16.3394% | 2,856 |
| Memoranda: | ||
| Average total assets | $2,724,650,500 | 333 |
| Average earning assets | $2,607,353,000 | 322 |
| Average equity | $333,750,000 | 304 |
| Average total loans | $2,298,714,000 | 292 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,284 |
| Cost of funding earning assets | 0.6549% | 1,027 |
| Net interest margin | 3.3213% | 4,079 |
| Noninterest income to average assets | 0.7957% | 1,757 |
| Noninterest expense to average assets | 2.2047% | 4,759 |
| Loan and lease loss provision to assets | -0.0452% | 5,577 |
| Net operating income to assets | 1.2379% | 1,385 |
| Return on assets (ROA) | 1.2379% | 1,471 |
| Pretax return on assets | 1.8090% | 785 |
| Return on Equity (ROE) | 9.9847% | 1,960 |
| Retained earnings to average equity (ytd only) | 7.2998% | 1,113 |
| Net charge-offs to loans | -0.0539% | 5,413 |
| Credit loss provision to net charge-offs | 98.3094% | 2,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 5,101 |
| Assets per employee ($millions) | 5.6591% | 1,734 |
| Cash dividends to net income (ytd only)* | 26.8903% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,372 |
| Loan loss allowance to noncurrent loans | 250.9459% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,647 |
| Noncurrent loans to loans | 0.4621% | 3,503 |
| Net loans and leases to total assets | 85.1971% | 284 |
| Net loans and leases to deposits | 110.9882% | 203 |
| Net loans and leases to core deposits | 119.6690% | 493 |
| Total domestic deposits to total assets | 76.7623% | 5,149 |
| Equity capital to assets | 12.4525% | 1,551 |
| Core capital (leverage) ratio | 12.6570% | 1,270 |
| Tier 1 risk-based capital ratio | 15.0003% | 2,964 |
| Total risk-based capital ratio | 16.2013% | 2,922 |
| Memoranda: | ||
| Average total assets | $2,571,554,800 | 336 |
| Average earning assets | $2,456,560,600 | 324 |
| Average equity | $318,817,400 | 308 |
| Average total loans | $2,195,205,200 | 288 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,315 |
| Cost of funding earning assets | 0.6617% | 998 |
| Net interest margin | 3.3104% | 4,155 |
| Noninterest income to average assets | 0.7999% | 1,764 |
| Noninterest expense to average assets | 2.1536% | 4,887 |
| Loan and lease loss provision to assets | -0.1048% | 5,798 |
| Net operating income to assets | 1.3032% | 1,280 |
| Return on assets (ROA) | 1.3032% | 1,375 |
| Pretax return on assets | 1.9132% | 688 |
| Return on Equity (ROE) | 10.5239% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.1220% | 1,561 |
| Net charge-offs to loans | -0.1004% | 5,572 |
| Credit loss provision to net charge-offs | 122.6300% | 2,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3574% | 5,213 |
| Assets per employee ($millions) | 5.6885% | 1,676 |
| Cash dividends to net income (ytd only)* | 32.3253% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,433 |
| Loan loss allowance to noncurrent loans | 244.2991% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,714 |
| Noncurrent loans to loans | 0.4785% | 3,576 |
| Net loans and leases to total assets | 85.2012% | 312 |
| Net loans and leases to deposits | 110.6645% | 247 |
| Net loans and leases to core deposits | 117.2231% | 603 |
| Total domestic deposits to total assets | 76.9906% | 5,090 |
| Equity capital to assets | 12.5807% | 1,729 |
| Core capital (leverage) ratio | 12.7815% | 1,275 |
| Tier 1 risk-based capital ratio | 15.0933% | 3,001 |
| Total risk-based capital ratio | 16.3052% | 2,961 |
| Memoranda: | ||
| Average total assets | $2,550,908,500 | 338 |
| Average earning assets | $2,436,670,250 | 322 |
| Average equity | $315,895,250 | 312 |
| Average total loans | $2,172,061,250 | 288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,453 |
| Cost of funding earning assets | 0.6741% | 925 |
| Net interest margin | 3.2701% | 4,325 |
| Noninterest income to average assets | 0.7767% | 1,822 |
| Noninterest expense to average assets | 2.1103% | 5,035 |
| Loan and lease loss provision to assets | -0.0136% | 5,774 |
| Net operating income to assets | 1.2356% | 1,484 |
| Return on assets (ROA) | 1.2356% | 1,577 |
| Pretax return on assets | 1.8055% | 874 |
| Return on Equity (ROE) | 10.0322% | 2,040 |
| Retained earnings to average equity (ytd only) | 5.1925% | 2,604 |
| Net charge-offs to loans | -0.0885% | 5,577 |
| Credit loss provision to net charge-offs | 18.0672% | 2,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0785% | 5,304 |
| Assets per employee ($millions) | 5.5504% | 1,744 |
| Cash dividends to net income (ytd only)* | 48.2420% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,055 |
| Loan loss allowance to noncurrent loans | 246.9013% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 3,680 |
| Noncurrent loans to loans | 0.5075% | 3,561 |
| Net loans and leases to total assets | 85.3494% | 304 |
| Net loans and leases to deposits | 113.3848% | 185 |
| Net loans and leases to core deposits | 118.5334% | 554 |
| Total domestic deposits to total assets | 75.2741% | 5,382 |
| Equity capital to assets | 12.6132% | 1,707 |
| Core capital (leverage) ratio | 12.4091% | 1,403 |
| Tier 1 risk-based capital ratio | 14.7745% | 3,168 |
| Total risk-based capital ratio | 16.0248% | 3,115 |
| Memoranda: | ||
| Average total assets | $2,536,553,330 | 338 |
| Average earning assets | $2,424,423,330 | 325 |
| Average equity | $312,413,670 | 311 |
| Average total loans | $2,150,669,330 | 286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 3,561 |
| Cost of funding earning assets | 0.6718% | 939 |
| Net interest margin | 3.2360% | 4,454 |
| Noninterest income to average assets | 0.7587% | 1,782 |
| Noninterest expense to average assets | 2.0215% | 5,288 |
| Loan and lease loss provision to assets | 0.0863% | 2,241 |
| Net operating income to assets | 1.1988% | 1,567 |
| Return on assets (ROA) | 1.1988% | 1,667 |
| Pretax return on assets | 1.7428% | 959 |
| Return on Equity (ROE) | 9.8508% | 2,047 |
| Retained earnings to average equity (ytd only) | 0.0865% | 5,086 |
| Net charge-offs to loans | -0.0133% | 4,660 |
| Credit loss provision to net charge-offs | -773.2394% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4982% | 5,484 |
| Assets per employee ($millions) | 5.8115% | 1,568 |
| Cash dividends to net income (ytd only)* | 99.1215% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 3,080 |
| Loan loss allowance to noncurrent loans | 251.4598% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 3,875 |
| Noncurrent loans to loans | 0.5035% | 3,669 |
| Net loans and leases to total assets | 81.4423% | 638 |
| Net loans and leases to deposits | 106.8365% | 311 |
| Net loans and leases to core deposits | 111.6742% | 767 |
| Total domestic deposits to total assets | 76.2308% | 5,386 |
| Equity capital to assets | 11.9157% | 2,080 |
| Core capital (leverage) ratio | 12.2997% | 1,435 |
| Tier 1 risk-based capital ratio | 14.6795% | 3,296 |
| Total risk-based capital ratio | 15.9300% | 3,239 |
| Memoranda: | ||
| Average total assets | $2,544,889,000 | 334 |
| Average earning assets | $2,431,520,000 | 319 |
| Average equity | $309,701,500 | 310 |
| Average total loans | $2,137,007,000 | 284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,245 |
| Cost of funding earning assets | 0.6529% | 1,063 |
| Net interest margin | 3.3655% | 4,057 |
| Noninterest income to average assets | 0.8571% | 1,584 |
| Noninterest expense to average assets | 2.2692% | 4,881 |
| Loan and lease loss provision to assets | 0.0688% | 2,918 |
| Net operating income to assets | 1.1973% | 1,561 |
| Return on assets (ROA) | 1.1973% | 1,633 |
| Pretax return on assets | 1.7298% | 932 |
| Return on Equity (ROE) | 9.6443% | 2,157 |
| Retained earnings to average equity (ytd only) | 7.1777% | 1,202 |
| Net charge-offs to loans | -0.0408% | 5,496 |
| Credit loss provision to net charge-offs | -198.2036% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7833% | 5,364 |
| Assets per employee ($millions) | 5.8090% | 1,525 |
| Cash dividends to net income (ytd only)* | 25.5757% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 3,218 |
| Loan loss allowance to noncurrent loans | 336.3360% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 4,247 |
| Noncurrent loans to loans | 0.3698% | 4,121 |
| Net loans and leases to total assets | 84.4576% | 354 |
| Net loans and leases to deposits | 111.2706% | 215 |
| Net loans and leases to core deposits | 117.6805% | 550 |
| Total domestic deposits to total assets | 75.9028% | 5,453 |
| Equity capital to assets | 12.4342% | 1,654 |
| Core capital (leverage) ratio | 12.5415% | 1,329 |
| Tier 1 risk-based capital ratio | 14.5841% | 3,395 |
| Total risk-based capital ratio | 15.8341% | 3,311 |
| Memoranda: | ||
| Average total assets | $2,404,863,600 | 335 |
| Average earning assets | $2,294,291,200 | 317 |
| Average equity | $298,549,600 | 305 |
| Average total loans | $2,048,495,000 | 278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 3,259 |
| Cost of funding earning assets | 0.6462% | 1,118 |
| Net interest margin | 3.3743% | 4,062 |
| Noninterest income to average assets | 0.8716% | 1,543 |
| Noninterest expense to average assets | 2.2317% | 4,964 |
| Loan and lease loss provision to assets | 0.0201% | 3,872 |
| Net operating income to assets | 1.2655% | 1,433 |
| Return on assets (ROA) | 1.2655% | 1,493 |
| Pretax return on assets | 1.8389% | 824 |
| Return on Equity (ROE) | 10.1977% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.8775% | 1,747 |
| Net charge-offs to loans | -0.0723% | 5,672 |
| Credit loss provision to net charge-offs | -32.7273% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5558% | 5,470 |
| Assets per employee ($millions) | 5.6769% | 1,610 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,521 |
| Loan loss allowance to noncurrent loans | 401.8294% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 4,623 |
| Noncurrent loans to loans | 0.3046% | 4,508 |
| Net loans and leases to total assets | 84.8280% | 321 |
| Net loans and leases to deposits | 108.7791% | 282 |
| Net loans and leases to core deposits | 115.2868% | 624 |
| Total domestic deposits to total assets | 77.9819% | 5,186 |
| Equity capital to assets | 12.5451% | 1,722 |
| Core capital (leverage) ratio | 12.6687% | 1,336 |
| Tier 1 risk-based capital ratio | 14.5954% | 3,503 |
| Total risk-based capital ratio | 15.8230% | 3,440 |
| Memoranda: | ||
| Average total assets | $2,383,066,000 | 342 |
| Average earning assets | $2,273,487,000 | 324 |
| Average equity | $295,720,250 | 310 |
| Average total loans | $2,027,809,250 | 284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,272 |
| Cost of funding earning assets | 0.6460% | 1,130 |
| Net interest margin | 3.3585% | 4,063 |
| Noninterest income to average assets | 0.8784% | 1,517 |
| Noninterest expense to average assets | 2.2266% | 5,033 |
| Loan and lease loss provision to assets | 0.0384% | 3,350 |
| Net operating income to assets | 1.2536% | 1,450 |
| Return on assets (ROA) | 1.2536% | 1,510 |
| Pretax return on assets | 1.8169% | 865 |
| Return on Equity (ROE) | 10.1397% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.1360% | 2,153 |
| Net charge-offs to loans | -0.1320% | 5,884 |
| Credit loss provision to net charge-offs | -34.3137% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5483% | 5,539 |
| Assets per employee ($millions) | 5.4854% | 1,755 |
| Cash dividends to net income (ytd only)* | 39.4856% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 3,412 |
| Loan loss allowance to noncurrent loans | 462.2827% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,766 |
| Noncurrent loans to loans | 0.2742% | 4,688 |
| Net loans and leases to total assets | 84.8076% | 311 |
| Net loans and leases to deposits | 110.3720% | 253 |
| Net loans and leases to core deposits | 117.2661% | 549 |
| Total domestic deposits to total assets | 76.8380% | 5,483 |
| Equity capital to assets | 12.5803% | 1,609 |
| Core capital (leverage) ratio | 12.5857% | 1,337 |
| Tier 1 risk-based capital ratio | 14.7847% | 3,482 |
| Total risk-based capital ratio | 16.0351% | 3,413 |
| Memoranda: | ||
| Average total assets | $2,369,414,330 | 344 |
| Average earning assets | $2,260,144,000 | 326 |
| Average equity | $292,928,670 | 313 |
| Average total loans | $2,009,836,330 | 283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,499 |
| Cost of funding earning assets | 0.6437% | 1,162 |
| Net interest margin | 3.2866% | 4,276 |
| Noninterest income to average assets | 0.8347% | 1,589 |
| Noninterest expense to average assets | 2.2008% | 5,141 |
| Loan and lease loss provision to assets | -0.0103% | 6,102 |
| Net operating income to assets | 1.2324% | 1,456 |
| Return on assets (ROA) | 1.2324% | 1,545 |
| Pretax return on assets | 1.7811% | 897 |
| Return on Equity (ROE) | 10.0573% | 1,975 |
| Retained earnings to average equity (ytd only) | 1.9784% | 4,684 |
| Net charge-offs to loans | -0.0803% | 5,748 |
| Credit loss provision to net charge-offs | 15.2120% | 2,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4134% | 5,562 |
| Assets per employee ($millions) | 5.8665% | 1,493 |
| Cash dividends to net income (ytd only)* | 80.3288% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 3,874 |
| Loan loss allowance to noncurrent loans | 379.2030% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,711 |
| Noncurrent loans to loans | 0.3206% | 4,643 |
| Net loans and leases to total assets | 82.2907% | 431 |
| Net loans and leases to deposits | 103.7321% | 383 |
| Net loans and leases to core deposits | 110.3051% | 734 |
| Total domestic deposits to total assets | 79.3301% | 5,204 |
| Equity capital to assets | 12.1033% | 1,954 |
| Core capital (leverage) ratio | 12.3843% | 1,407 |
| Tier 1 risk-based capital ratio | 14.4972% | 3,724 |
| Total risk-based capital ratio | 15.7190% | 3,661 |
| Memoranda: | ||
| Average total assets | $2,369,283,000 | 340 |
| Average earning assets | $2,261,429,000 | 324 |
| Average equity | $290,336,500 | 313 |
| Average total loans | $1,997,021,500 | 281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,558 |
| Cost of funding earning assets | 0.7022% | 1,093 |
| Net interest margin | 3.3376% | 4,449 |
| Noninterest income to average assets | 0.8567% | 1,656 |
| Noninterest expense to average assets | 2.2681% | 5,195 |
| Loan and lease loss provision to assets | 0.0463% | 3,647 |
| Net operating income to assets | 1.2146% | 1,546 |
| Return on assets (ROA) | 1.2146% | 1,601 |
| Pretax return on assets | 1.7199% | 948 |
| Return on Equity (ROE) | 9.7690% | 2,210 |
| Retained earnings to average equity (ytd only) | 7.1287% | 1,341 |
| Net charge-offs to loans | 0.1351% | 2,666 |
| Credit loss provision to net charge-offs | 40.5132% | 3,663 |
| Earnings coverage of net charge-offs (x) | 15.4673% | 2,075 |
| Efficiency ratio | 56.2205% | 5,648 |
| Assets per employee ($millions) | 5.7329% | 1,577 |
| Cash dividends to net income (ytd only)* | 27.0278% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,956 |
| Loan loss allowance to noncurrent loans | 373.5033% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 4,734 |
| Noncurrent loans to loans | 0.3231% | 4,682 |
| Net loans and leases to total assets | 84.2734% | 325 |
| Net loans and leases to deposits | 107.0442% | 320 |
| Net loans and leases to core deposits | 113.8710% | 611 |
| Total domestic deposits to total assets | 78.7277% | 5,302 |
| Equity capital to assets | 12.4097% | 1,701 |
| Core capital (leverage) ratio | 12.5144% | 1,349 |
| Tier 1 risk-based capital ratio | 15.9412% | 2,991 |
| Total risk-based capital ratio | 17.1921% | 2,939 |
| Memoranda: | ||
| Average total assets | $2,252,424,000 | 334 |
| Average earning assets | $2,144,417,800 | 316 |
| Average equity | $280,038,200 | 306 |
| Average total loans | $1,903,116,000 | 275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,645 |
| Cost of funding earning assets | 0.7115% | 1,098 |
| Net interest margin | 3.3174% | 4,545 |
| Noninterest income to average assets | 0.8707% | 1,620 |
| Noninterest expense to average assets | 2.2246% | 5,303 |
| Loan and lease loss provision to assets | -0.0722% | 6,232 |
| Net operating income to assets | 1.3096% | 1,345 |
| Return on assets (ROA) | 1.3096% | 1,401 |
| Pretax return on assets | 1.8744% | 757 |
| Return on Equity (ROE) | 10.5282% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.9777% | 1,832 |
| Net charge-offs to loans | -0.0113% | 5,452 |
| Credit loss provision to net charge-offs | 760.3774% | 410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2450% | 5,722 |
| Assets per employee ($millions) | 5.7266% | 1,546 |
| Cash dividends to net income (ytd only)* | 33.7241% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 3,870 |
| Loan loss allowance to noncurrent loans | 362.4260% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 4,917 |
| Noncurrent loans to loans | 0.3481% | 4,860 |
| Net loans and leases to total assets | 83.0931% | 393 |
| Net loans and leases to deposits | 104.1416% | 393 |
| Net loans and leases to core deposits | 110.4632% | 725 |
| Total domestic deposits to total assets | 79.7886% | 5,148 |
| Equity capital to assets | 12.3854% | 1,784 |
| Core capital (leverage) ratio | 12.6448% | 1,331 |
| Tier 1 risk-based capital ratio | 16.1563% | 2,981 |
| Total risk-based capital ratio | 17.4081% | 2,934 |
| Memoranda: | ||
| Average total assets | $2,232,206,000 | 334 |
| Average earning assets | $2,123,615,500 | 320 |
| Average equity | $277,658,750 | 306 |
| Average total loans | $1,881,302,750 | 274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,594 |
| Cost of funding earning assets | 0.7264% | 1,044 |
| Net interest margin | 3.3110% | 4,543 |
| Noninterest income to average assets | 0.8466% | 1,676 |
| Noninterest expense to average assets | 2.2254% | 5,355 |
| Loan and lease loss provision to assets | -0.0182% | 6,246 |
| Net operating income to assets | 1.2633% | 1,411 |
| Return on assets (ROA) | 1.2633% | 1,472 |
| Pretax return on assets | 1.7877% | 866 |
| Return on Equity (ROE) | 10.1413% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.2175% | 2,202 |
| Net charge-offs to loans | -0.0001% | 5,016 |
| Credit loss provision to net charge-offs | 20,100.0000% | 15 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7063% | 5,773 |
| Assets per employee ($millions) | 5.4131% | 1,775 |
| Cash dividends to net income (ytd only)* | 38.6916% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 3,656 |
| Loan loss allowance to noncurrent loans | 379.0938% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,914 |
| Noncurrent loans to loans | 0.3526% | 4,942 |
| Net loans and leases to total assets | 84.3174% | 277 |
| Net loans and leases to deposits | 108.2937% | 239 |
| Net loans and leases to core deposits | 113.9865% | 538 |
| Total domestic deposits to total assets | 77.8599% | 5,661 |
| Equity capital to assets | 12.6097% | 1,579 |
| Core capital (leverage) ratio | 12.5077% | 1,388 |
| Tier 1 risk-based capital ratio | 16.2505% | 2,958 |
| Total risk-based capital ratio | 17.5035% | 2,901 |
| Memoranda: | ||
| Average total assets | $2,207,004,330 | 331 |
| Average earning assets | $2,098,524,670 | 321 |
| Average equity | $274,934,330 | 306 |
| Average total loans | $1,861,026,330 | 277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,725 |
| Cost of funding earning assets | 0.7374% | 1,034 |
| Net interest margin | 3.2540% | 4,727 |
| Noninterest income to average assets | 0.8013% | 1,742 |
| Noninterest expense to average assets | 2.2068% | 5,444 |
| Loan and lease loss provision to assets | 0.0082% | 3,714 |
| Net operating income to assets | 1.2145% | 1,448 |
| Return on assets (ROA) | 1.2145% | 1,505 |
| Pretax return on assets | 1.6797% | 1,016 |
| Return on Equity (ROE) | 9.8093% | 2,108 |
| Retained earnings to average equity (ytd only) | 1.8262% | 4,871 |
| Net charge-offs to loans | -0.0575% | 5,869 |
| Credit loss provision to net charge-offs | -16.9811% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6615% | 5,786 |
| Assets per employee ($millions) | 5.5167% | 1,694 |
| Cash dividends to net income (ytd only)* | 81.3828% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 3,627 |
| Loan loss allowance to noncurrent loans | 391.8776% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 5,138 |
| Noncurrent loans to loans | 0.3560% | 5,052 |
| Net loans and leases to total assets | 81.8088% | 371 |
| Net loans and leases to deposits | 102.9118% | 336 |
| Net loans and leases to core deposits | 107.8563% | 683 |
| Total domestic deposits to total assets | 79.4941% | 5,602 |
| Equity capital to assets | 12.2110% | 1,738 |
| Core capital (leverage) ratio | 12.4609% | 1,401 |
| Tier 1 risk-based capital ratio | 16.1787% | 3,063 |
| Total risk-based capital ratio | 17.4324% | 3,029 |
| Memoranda: | ||
| Average total assets | $2,200,830,500 | 335 |
| Average earning assets | $2,092,210,000 | 321 |
| Average equity | $272,475,000 | 306 |
| Average total loans | $1,843,215,000 | 275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 3,382 |
| Cost of funding earning assets | 0.8413% | 987 |
| Net interest margin | 3.3484% | 4,488 |
| Noninterest income to average assets | 0.9436% | 1,541 |
| Noninterest expense to average assets | 2.3030% | 5,379 |
| Loan and lease loss provision to assets | 0.0534% | 4,074 |
| Net operating income to assets | 1.2393% | 1,423 |
| Return on assets (ROA) | 1.2399% | 1,483 |
| Pretax return on assets | 1.7617% | 828 |
| Return on Equity (ROE) | 10.0533% | 2,092 |
| Retained earnings to average equity (ytd only) | 8.0576% | 1,035 |
| Net charge-offs to loans | 0.0417% | 4,637 |
| Credit loss provision to net charge-offs | 152.6316% | 1,517 |
| Earnings coverage of net charge-offs (x) | 51.8583% | 775 |
| Efficiency ratio | 55.9354% | 5,955 |
| Assets per employee ($millions) | 5.4185% | 1,739 |
| Cash dividends to net income (ytd only)* | 19.8507% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,682 |
| Loan loss allowance to noncurrent loans | 313.3047% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 5,049 |
| Noncurrent loans to loans | 0.4450% | 4,889 |
| Net loans and leases to total assets | 83.3809% | 297 |
| Net loans and leases to deposits | 105.5046% | 278 |
| Net loans and leases to core deposits | 111.0543% | 575 |
| Total domestic deposits to total assets | 79.0306% | 5,649 |
| Equity capital to assets | 12.5553% | 1,490 |
| Core capital (leverage) ratio | 12.5062% | 1,356 |
| Tier 1 risk-based capital ratio | 16.1193% | 3,050 |
| Total risk-based capital ratio | 17.3728% | 2,998 |
| Memoranda: | ||
| Average total assets | $2,118,049,600 | 338 |
| Average earning assets | $2,007,501,200 | 322 |
| Average equity | $261,218,000 | 310 |
| Average total loans | $1,777,963,400 | 272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 3,371 |
| Cost of funding earning assets | 0.8560% | 1,015 |
| Net interest margin | 3.3504% | 4,464 |
| Noninterest income to average assets | 0.9694% | 1,541 |
| Noninterest expense to average assets | 2.3161% | 5,288 |
| Loan and lease loss provision to assets | -0.0196% | 6,486 |
| Net operating income to assets | 1.2982% | 1,359 |
| Return on assets (ROA) | 1.2990% | 1,417 |
| Pretax return on assets | 1.8472% | 812 |
| Return on Equity (ROE) | 10.5816% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.8928% | 1,457 |
| Net charge-offs to loans | 0.0076% | 5,011 |
| Credit loss provision to net charge-offs | -305.9406% | 5,971 |
| Earnings coverage of net charge-offs (x) | 285.6308% | 211 |
| Efficiency ratio | 55.9074% | 5,913 |
| Assets per employee ($millions) | 5.2961% | 1,846 |
| Cash dividends to net income (ytd only)* | 25.4107% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,996 |
| Loan loss allowance to noncurrent loans | 327.2944% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 5,262 |
| Noncurrent loans to loans | 0.4209% | 5,143 |
| Net loans and leases to total assets | 83.0201% | 291 |
| Net loans and leases to deposits | 104.4422% | 278 |
| Net loans and leases to core deposits | 109.6922% | 588 |
| Total domestic deposits to total assets | 79.4890% | 5,632 |
| Equity capital to assets | 12.4748% | 1,591 |
| Core capital (leverage) ratio | 12.5518% | 1,395 |
| Tier 1 risk-based capital ratio | 15.9261% | 3,237 |
| Total risk-based capital ratio | 17.1791% | 3,183 |
| Memoranda: | ||
| Average total assets | $2,105,716,500 | 338 |
| Average earning assets | $1,994,378,250 | 325 |
| Average equity | $258,492,000 | 311 |
| Average total loans | $1,764,271,000 | 275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,287 |
| Cost of funding earning assets | 0.8727% | 1,021 |
| Net interest margin | 3.3460% | 4,397 |
| Noninterest income to average assets | 0.9888% | 1,561 |
| Noninterest expense to average assets | 2.3138% | 5,327 |
| Loan and lease loss provision to assets | -0.0402% | 6,633 |
| Net operating income to assets | 1.3181% | 1,276 |
| Return on assets (ROA) | 1.3193% | 1,354 |
| Pretax return on assets | 1.8859% | 767 |
| Return on Equity (ROE) | 10.8064% | 1,880 |
| Retained earnings to average equity (ytd only) | 6.7322% | 2,015 |
| Net charge-offs to loans | 0.0387% | 4,135 |
| Credit loss provision to net charge-offs | -124.1888% | 5,645 |
| Earnings coverage of net charge-offs (x) | 57.0147% | 730 |
| Efficiency ratio | 55.6484% | 6,005 |
| Assets per employee ($millions) | 5.1427% | 1,944 |
| Cash dividends to net income (ytd only)* | 37.7016% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 4,134 |
| Loan loss allowance to noncurrent loans | 279.7203% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 5,168 |
| Noncurrent loans to loans | 0.4929% | 5,029 |
| Net loans and leases to total assets | 84.2191% | 223 |
| Net loans and leases to deposits | 106.3218% | 218 |
| Net loans and leases to core deposits | 112.2171% | 482 |
| Total domestic deposits to total assets | 79.2115% | 5,772 |
| Equity capital to assets | 12.4898% | 1,578 |
| Core capital (leverage) ratio | 12.2024% | 1,506 |
| Tier 1 risk-based capital ratio | 15.6525% | 3,394 |
| Total risk-based capital ratio | 16.9055% | 3,340 |
| Memoranda: | ||
| Average total assets | $2,096,176,670 | 339 |
| Average earning assets | $1,985,369,330 | 329 |
| Average equity | $255,904,670 | 310 |
| Average total loans | $1,753,469,000 | 279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,279 |
| Cost of funding earning assets | 0.8779% | 1,095 |
| Net interest margin | 3.3283% | 4,406 |
| Noninterest income to average assets | 0.9603% | 1,578 |
| Noninterest expense to average assets | 2.2651% | 5,518 |
| Loan and lease loss provision to assets | -0.0324% | 6,767 |
| Net operating income to assets | 1.2970% | 1,282 |
| Return on assets (ROA) | 1.2992% | 1,378 |
| Pretax return on assets | 1.8768% | 767 |
| Return on Equity (ROE) | 10.7645% | 1,772 |
| Retained earnings to average equity (ytd only) | 2.5689% | 4,738 |
| Net charge-offs to loans | 0.0846% | 2,998 |
| Credit loss provision to net charge-offs | -46.3415% | 5,049 |
| Earnings coverage of net charge-offs (x) | 26.2954% | 1,029 |
| Efficiency ratio | 55.1617% | 6,138 |
| Assets per employee ($millions) | 5.3589% | 1,799 |
| Cash dividends to net income (ytd only)* | 76.1355% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,158 |
| Loan loss allowance to noncurrent loans | 265.3589% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 5,192 |
| Noncurrent loans to loans | 0.5336% | 5,107 |
| Net loans and leases to total assets | 80.9729% | 353 |
| Net loans and leases to deposits | 102.0543% | 281 |
| Net loans and leases to core deposits | 107.6404% | 573 |
| Total domestic deposits to total assets | 79.3430% | 5,900 |
| Equity capital to assets | 12.0301% | 2,016 |
| Core capital (leverage) ratio | 12.0076% | 1,558 |
| Tier 1 risk-based capital ratio | 15.3012% | 3,654 |
| Total risk-based capital ratio | 16.5544% | 3,608 |
| Memoranda: | ||
| Average total assets | $2,108,004,000 | 341 |
| Average earning assets | $1,992,477,000 | 329 |
| Average equity | $254,430,000 | 317 |
| Average total loans | $1,745,274,000 | 283 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 3,241 |
| Cost of funding earning assets | 1.1073% | 882 |
| Net interest margin | 3.4331% | 4,768 |
| Noninterest income to average assets | 1.0426% | 1,425 |
| Noninterest expense to average assets | 2.5859% | 4,787 |
| Loan and lease loss provision to assets | -0.1378% | 6,942 |
| Net operating income to assets | 1.3099% | 1,275 |
| Return on assets (ROA) | 1.3097% | 1,413 |
| Pretax return on assets | 1.8290% | 873 |
| Return on Equity (ROE) | 11.0945% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.2281% | 1,058 |
| Net charge-offs to loans | 0.1247% | 4,435 |
| Credit loss provision to net charge-offs | -133.0687% | 6,355 |
| Earnings coverage of net charge-offs (x) | 16.3400% | 1,581 |
| Efficiency ratio | 60.4540% | 5,478 |
| Assets per employee ($millions) | 5.2745% | 1,927 |
| Cash dividends to net income (ytd only)* | 25.8362% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 3,989 |
| Loan loss allowance to noncurrent loans | 243.6332% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 5,163 |
| Noncurrent loans to loans | 0.5895% | 5,058 |
| Net loans and leases to total assets | 82.2564% | 313 |
| Net loans and leases to deposits | 103.6533% | 274 |
| Net loans and leases to core deposits | 109.4982% | 555 |
| Total domestic deposits to total assets | 79.3572% | 5,813 |
| Equity capital to assets | 12.1096% | 1,974 |
| Core capital (leverage) ratio | 11.8195% | 1,656 |
| Tier 1 risk-based capital ratio | 15.3103% | 3,538 |
| Total risk-based capital ratio | 16.5641% | 3,490 |
| Memoranda: | ||
| Average total assets | $2,068,133,400 | 343 |
| Average earning assets | $1,948,714,600 | 330 |
| Average equity | $244,138,400 | 318 |
| Average total loans | $1,717,264,200 | 276 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 3,231 |
| Cost of funding earning assets | 1.1433% | 887 |
| Net interest margin | 3.4506% | 4,840 |
| Noninterest income to average assets | 1.0424% | 1,393 |
| Noninterest expense to average assets | 2.5051% | 5,061 |
| Loan and lease loss provision to assets | -0.1877% | 7,081 |
| Net operating income to assets | 1.4029% | 1,214 |
| Return on assets (ROA) | 1.4032% | 1,336 |
| Pretax return on assets | 1.9773% | 737 |
| Return on Equity (ROE) | 11.9650% | 1,649 |
| Retained earnings to average equity (ytd only) | 8.3793% | 1,447 |
| Net charge-offs to loans | 0.0843% | 4,545 |
| Credit loss provision to net charge-offs | -268.5185% | 6,370 |
| Earnings coverage of net charge-offs (x) | 25.6010% | 1,244 |
| Efficiency ratio | 58.3348% | 5,742 |
| Assets per employee ($millions) | 5.3007% | 1,829 |
| Cash dividends to net income (ytd only)* | 29.9682% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,806 |
| Loan loss allowance to noncurrent loans | 267.1771% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 5,354 |
| Noncurrent loans to loans | 0.5737% | 5,288 |
| Net loans and leases to total assets | 81.3245% | 398 |
| Net loans and leases to deposits | 104.3899% | 271 |
| Net loans and leases to core deposits | 110.8205% | 543 |
| Total domestic deposits to total assets | 77.9046% | 6,097 |
| Equity capital to assets | 12.0826% | 2,190 |
| Core capital (leverage) ratio | 11.7708% | 1,792 |
| Tier 1 risk-based capital ratio | 15.7341% | 3,408 |
| Total risk-based capital ratio | 16.9896% | 3,370 |
| Memoranda: | ||
| Average total assets | $2,060,353,000 | 346 |
| Average earning assets | $1,941,696,750 | 331 |
| Average equity | $241,620,000 | 320 |
| Average total loans | $1,708,597,500 | 275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 3,264 |
| Cost of funding earning assets | 1.1545% | 1,007 |
| Net interest margin | 3.4680% | 4,806 |
| Noninterest income to average assets | 1.0286% | 1,381 |
| Noninterest expense to average assets | 2.2914% | 5,766 |
| Loan and lease loss provision to assets | -0.2227% | 7,161 |
| Net operating income to assets | 1.5631% | 893 |
| Return on assets (ROA) | 1.5635% | 999 |
| Pretax return on assets | 2.2294% | 466 |
| Return on Equity (ROE) | 13.4693% | 1,240 |
| Retained earnings to average equity (ytd only) | 8.4479% | 1,464 |
| Net charge-offs to loans | 0.1390% | 3,808 |
| Credit loss provision to net charge-offs | -192.9293% | 6,132 |
| Earnings coverage of net charge-offs (x) | 17.3763% | 1,531 |
| Efficiency ratio | 53.3196% | 6,384 |
| Assets per employee ($millions) | 5.2769% | 1,839 |
| Cash dividends to net income (ytd only)* | 37.2801% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,708 |
| Loan loss allowance to noncurrent loans | 236.3524% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,254 |
| Noncurrent loans to loans | 0.6639% | 5,177 |
| Net loans and leases to total assets | 81.4979% | 369 |
| Net loans and leases to deposits | 106.9769% | 204 |
| Net loans and leases to core deposits | 112.9121% | 481 |
| Total domestic deposits to total assets | 76.1828% | 6,437 |
| Equity capital to assets | 11.9156% | 2,206 |
| Core capital (leverage) ratio | 11.5339% | 1,880 |
| Tier 1 risk-based capital ratio | 15.2692% | 3,593 |
| Total risk-based capital ratio | 16.5249% | 3,553 |
| Memoranda: | ||
| Average total assets | $2,058,040,330 | 346 |
| Average earning assets | $1,939,890,330 | 332 |
| Average equity | $238,899,330 | 323 |
| Average total loans | $1,709,001,670 | 275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 3,224 |
| Cost of funding earning assets | 1.1552% | 1,159 |
| Net interest margin | 3.5022% | 4,687 |
| Noninterest income to average assets | 1.0129% | 1,395 |
| Noninterest expense to average assets | 2.2418% | 5,929 |
| Loan and lease loss provision to assets | -0.1087% | 7,185 |
| Net operating income to assets | 1.5441% | 952 |
| Return on assets (ROA) | 1.5449% | 1,064 |
| Pretax return on assets | 2.1830% | 555 |
| Return on Equity (ROE) | 13.4869% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.1703% | 4,090 |
| Net charge-offs to loans | 0.2007% | 2,914 |
| Credit loss provision to net charge-offs | -65.1163% | 5,445 |
| Earnings coverage of net charge-offs (x) | 12.4186% | 1,602 |
| Efficiency ratio | 51.9547% | 6,547 |
| Assets per employee ($millions) | 5.4625% | 1,724 |
| Cash dividends to net income (ytd only)* | 69.0790% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,426 |
| Loan loss allowance to noncurrent loans | 247.0335% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 5,355 |
| Noncurrent loans to loans | 0.6806% | 5,298 |
| Net loans and leases to total assets | 79.8824% | 417 |
| Net loans and leases to deposits | 104.0069% | 253 |
| Net loans and leases to core deposits | 107.7923% | 615 |
| Total domestic deposits to total assets | 76.8050% | 6,429 |
| Equity capital to assets | 11.2675% | 2,658 |
| Core capital (leverage) ratio | 11.3943% | 1,965 |
| Tier 1 risk-based capital ratio | 14.6659% | 3,976 |
| Total risk-based capital ratio | 15.9231% | 3,933 |
| Memoranda: | ||
| Average total assets | $2,060,696,000 | 342 |
| Average earning assets | $1,942,879,000 | 324 |
| Average equity | $236,052,000 | 320 |
| Average total loans | $1,713,701,500 | 269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 3,010 |
| Cost of funding earning assets | 1.3087% | 1,443 |
| Net interest margin | 3.6636% | 4,459 |
| Noninterest income to average assets | 0.9745% | 1,440 |
| Noninterest expense to average assets | 2.2175% | 6,233 |
| Loan and lease loss provision to assets | 0.2865% | 3,371 |
| Net operating income to assets | 1.3674% | 1,090 |
| Return on assets (ROA) | 1.3685% | 1,175 |
| Pretax return on assets | 1.9237% | 632 |
| Return on Equity (ROE) | 13.2132% | 1,120 |
| Retained earnings to average equity (ytd only) | 9.4264% | 689 |
| Net charge-offs to loans | 0.2871% | 3,976 |
| Credit loss provision to net charge-offs | 119.4052% | 2,672 |
| Earnings coverage of net charge-offs (x) | 9.2048% | 2,017 |
| Efficiency ratio | 50.0989% | 6,828 |
| Assets per employee ($millions) | 5.2836% | 1,851 |
| Cash dividends to net income (ytd only)* | 28.6597% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 3,005 |
| Loan loss allowance to noncurrent loans | 284.7025% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,493 |
| Noncurrent loans to loans | 0.6162% | 5,480 |
| Net loans and leases to total assets | 83.6605% | 226 |
| Net loans and leases to deposits | 110.4810% | 165 |
| Net loans and leases to core deposits | 114.2574% | 491 |
| Total domestic deposits to total assets | 75.7239% | 6,520 |
| Equity capital to assets | 11.6503% | 2,384 |
| Core capital (leverage) ratio | 11.3797% | 1,982 |
| Tier 1 risk-based capital ratio | 14.6160% | 3,890 |
| Total risk-based capital ratio | 15.8745% | 3,861 |
| Memoranda: | ||
| Average total assets | $1,975,754,200 | 351 |
| Average earning assets | $1,861,564,600 | 337 |
| Average equity | $204,628,000 | 345 |
| Average total loans | $1,651,351,600 | 273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 3,119 |
| Cost of funding earning assets | 1.3377% | 1,514 |
| Net interest margin | 3.6548% | 4,548 |
| Noninterest income to average assets | 0.9693% | 1,420 |
| Noninterest expense to average assets | 2.1998% | 6,281 |
| Loan and lease loss provision to assets | 0.1873% | 4,156 |
| Net operating income to assets | 1.4324% | 1,094 |
| Return on assets (ROA) | 1.4338% | 1,160 |
| Pretax return on assets | 2.0281% | 594 |
| Return on Equity (ROE) | 14.3022% | 978 |
| Retained earnings to average equity (ytd only) | 9.0577% | 1,124 |
| Net charge-offs to loans | 0.1909% | 4,268 |
| Credit loss provision to net charge-offs | 117.9487% | 2,766 |
| Earnings coverage of net charge-offs (x) | 13.9415% | 1,570 |
| Efficiency ratio | 49.8455% | 6,840 |
| Assets per employee ($millions) | 5.3472% | 1,757 |
| Cash dividends to net income (ytd only)* | 36.6695% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,089 |
| Loan loss allowance to noncurrent loans | 268.1802% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,504 |
| Noncurrent loans to loans | 0.6543% | 5,578 |
| Net loans and leases to total assets | 83.2364% | 273 |
| Net loans and leases to deposits | 107.8762% | 210 |
| Net loans and leases to core deposits | 111.4709% | 625 |
| Total domestic deposits to total assets | 77.1592% | 6,351 |
| Equity capital to assets | 10.3259% | 3,925 |
| Core capital (leverage) ratio | 10.1363% | 3,259 |
| Tier 1 risk-based capital ratio | 13.1490% | 4,991 |
| Total risk-based capital ratio | 14.4079% | 4,958 |
| Memoranda: | ||
| Average total assets | $1,965,109,500 | 356 |
| Average earning assets | $1,851,724,250 | 337 |
| Average equity | $196,999,500 | 360 |
| Average total loans | $1,634,515,000 | 275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 3,186 |
| Cost of funding earning assets | 1.3698% | 1,550 |
| Net interest margin | 3.6233% | 4,637 |
| Noninterest income to average assets | 0.9640% | 1,417 |
| Noninterest expense to average assets | 2.1861% | 6,416 |
| Loan and lease loss provision to assets | 0.1226% | 4,754 |
| Net operating income to assets | 1.4589% | 959 |
| Return on assets (ROA) | 1.4589% | 1,021 |
| Pretax return on assets | 2.0701% | 515 |
| Return on Equity (ROE) | 14.7030% | 853 |
| Retained earnings to average equity (ytd only) | 7.7458% | 1,557 |
| Net charge-offs to loans | 0.1447% | 4,321 |
| Credit loss provision to net charge-offs | 102.5663% | 3,014 |
| Earnings coverage of net charge-offs (x) | 18.3379% | 1,266 |
| Efficiency ratio | 49.9241% | 6,945 |
| Assets per employee ($millions) | 5.1440% | 1,940 |
| Cash dividends to net income (ytd only)* | 47.3182% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 3,047 |
| Loan loss allowance to noncurrent loans | 273.2026% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 5,563 |
| Noncurrent loans to loans | 0.6530% | 5,614 |
| Net loans and leases to total assets | 83.0688% | 301 |
| Net loans and leases to deposits | 108.6113% | 203 |
| Net loans and leases to core deposits | 112.8850% | 621 |
| Total domestic deposits to total assets | 76.4827% | 6,524 |
| Equity capital to assets | 10.2676% | 3,794 |
| Core capital (leverage) ratio | 9.7838% | 3,543 |
| Tier 1 risk-based capital ratio | 13.0303% | 4,895 |
| Total risk-based capital ratio | 14.2893% | 4,870 |
| Memoranda: | ||
| Average total assets | $1,955,306,000 | 361 |
| Average earning assets | $1,842,725,330 | 343 |
| Average equity | $194,015,000 | 366 |
| Average total loans | $1,616,081,000 | 287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 3,377 |
| Cost of funding earning assets | 1.3800% | 1,712 |
| Net interest margin | 3.5570% | 4,780 |
| Noninterest income to average assets | 0.9199% | 1,587 |
| Noninterest expense to average assets | 2.2071% | 6,405 |
| Loan and lease loss provision to assets | 0.2985% | 2,769 |
| Net operating income to assets | 1.2707% | 1,343 |
| Return on assets (ROA) | 1.2707% | 1,394 |
| Pretax return on assets | 1.7668% | 867 |
| Return on Equity (ROE) | 13.0303% | 1,187 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,871 |
| Net charge-offs to loans | 0.2182% | 3,212 |
| Credit loss provision to net charge-offs | 167.4286% | 1,719 |
| Earnings coverage of net charge-offs (x) | 11.5851% | 1,544 |
| Efficiency ratio | 51.6595% | 6,880 |
| Assets per employee ($millions) | 5.2004% | 1,894 |
| Cash dividends to net income (ytd only)* | 70.5307% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 2,837 |
| Loan loss allowance to noncurrent loans | 243.5678% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 5,466 |
| Noncurrent loans to loans | 0.7619% | 5,507 |
| Net loans and leases to total assets | 78.9785% | 622 |
| Net loans and leases to deposits | 101.6767% | 392 |
| Net loans and leases to core deposits | 105.5273% | 962 |
| Total domestic deposits to total assets | 77.6761% | 6,418 |
| Equity capital to assets | 9.6431% | 4,258 |
| Core capital (leverage) ratio | 9.6644% | 3,577 |
| Tier 1 risk-based capital ratio | 12.4665% | 5,295 |
| Total risk-based capital ratio | 13.7256% | 5,263 |
| Memoranda: | ||
| Average total assets | $1,963,306,000 | 357 |
| Average earning assets | $1,850,458,500 | 340 |
| Average equity | $191,462,000 | 370 |
| Average total loans | $1,604,012,000 | 290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 2,837 |
| Cost of funding earning assets | 1.5844% | 2,165 |
| Net interest margin | 3.7801% | 4,027 |
| Noninterest income to average assets | 1.1088% | 1,204 |
| Noninterest expense to average assets | 2.4247% | 6,028 |
| Loan and lease loss provision to assets | 0.4772% | 3,276 |
| Net operating income to assets | 1.2569% | 1,276 |
| Return on assets (ROA) | 1.2597% | 1,340 |
| Pretax return on assets | 1.7617% | 823 |
| Return on Equity (ROE) | 12.9748% | 1,093 |
| Retained earnings to average equity (ytd only) | 10.0148% | 525 |
| Net charge-offs to loans | 0.5685% | 3,347 |
| Credit loss provision to net charge-offs | 100.7905% | 4,513 |
| Earnings coverage of net charge-offs (x) | 4.7211% | 2,830 |
| Efficiency ratio | 52.0348% | 6,985 |
| Assets per employee ($millions) | 4.9734% | 2,191 |
| Cash dividends to net income (ytd only)* | 22.8131% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,778 |
| Loan loss allowance to noncurrent loans | 215.0688% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 5,357 |
| Noncurrent loans to loans | 0.8489% | 5,362 |
| Net loans and leases to total assets | 81.4553% | 493 |
| Net loans and leases to deposits | 106.0967% | 320 |
| Net loans and leases to core deposits | 110.2238% | 905 |
| Total domestic deposits to total assets | 76.7746% | 6,516 |
| Equity capital to assets | 9.8647% | 3,920 |
| Core capital (leverage) ratio | 9.6610% | 3,472 |
| Tier 1 risk-based capital ratio | 12.2839% | 5,225 |
| Total risk-based capital ratio | 13.5424% | 5,179 |
| Memoranda: | ||
| Average total assets | $1,870,401,400 | 375 |
| Average earning assets | $1,757,059,200 | 353 |
| Average equity | $181,590,600 | 383 |
| Average total loans | $1,557,496,600 | 303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 2,801 |
| Cost of funding earning assets | 1.6107% | 2,329 |
| Net interest margin | 3.8078% | 3,942 |
| Noninterest income to average assets | 1.0858% | 1,207 |
| Noninterest expense to average assets | 2.3939% | 6,053 |
| Loan and lease loss provision to assets | 0.4159% | 3,409 |
| Net operating income to assets | 1.3119% | 1,313 |
| Return on assets (ROA) | 1.3155% | 1,381 |
| Pretax return on assets | 1.8544% | 841 |
| Return on Equity (ROE) | 13.6066% | 1,120 |
| Retained earnings to average equity (ytd only) | 10.1693% | 758 |
| Net charge-offs to loans | 0.5947% | 2,958 |
| Credit loss provision to net charge-offs | 83.9084% | 5,006 |
| Earnings coverage of net charge-offs (x) | 4.5702% | 2,995 |
| Efficiency ratio | 51.3818% | 7,040 |
| Assets per employee ($millions) | 4.8909% | 2,332 |
| Cash dividends to net income (ytd only)* | 25.2622% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,774 |
| Loan loss allowance to noncurrent loans | 272.8865% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 5,749 |
| Noncurrent loans to loans | 0.6613% | 5,879 |
| Net loans and leases to total assets | 81.4856% | 561 |
| Net loans and leases to deposits | 106.4540% | 345 |
| Net loans and leases to core deposits | 110.9566% | 986 |
| Total domestic deposits to total assets | 76.5454% | 6,560 |
| Equity capital to assets | 10.0373% | 4,114 |
| Core capital (leverage) ratio | 9.7808% | 3,513 |
| Tier 1 risk-based capital ratio | 12.5748% | 4,919 |
| Total risk-based capital ratio | 13.8335% | 4,886 |
| Memoranda: | ||
| Average total assets | $1,855,584,000 | 374 |
| Average earning assets | $1,741,338,500 | 357 |
| Average equity | $179,399,000 | 388 |
| Average total loans | $1,546,608,250 | 307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 2,877 |
| Cost of funding earning assets | 1.6498% | 2,389 |
| Net interest margin | 3.7727% | 4,033 |
| Noninterest income to average assets | 1.0518% | 1,212 |
| Noninterest expense to average assets | 2.4096% | 6,043 |
| Loan and lease loss provision to assets | 0.3156% | 3,855 |
| Net operating income to assets | 1.3212% | 1,256 |
| Return on assets (ROA) | 1.3212% | 1,327 |
| Pretax return on assets | 1.8651% | 787 |
| Return on Equity (ROE) | 13.8439% | 1,071 |
| Retained earnings to average equity (ytd only) | 9.0571% | 1,084 |
| Net charge-offs to loans | 0.4830% | 3,091 |
| Credit loss provision to net charge-offs | 78.2784% | 4,756 |
| Earnings coverage of net charge-offs (x) | 5.4084% | 2,673 |
| Efficiency ratio | 52.4933% | 7,028 |
| Assets per employee ($millions) | 4.6604% | 2,632 |
| Cash dividends to net income (ytd only)* | 34.5773% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 2,639 |
| Loan loss allowance to noncurrent loans | 268.6440% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 5,559 |
| Noncurrent loans to loans | 0.6803% | 5,890 |
| Net loans and leases to total assets | 82.7319% | 465 |
| Net loans and leases to deposits | 108.6128% | 310 |
| Net loans and leases to core deposits | 113.3432% | 959 |
| Total domestic deposits to total assets | 76.1714% | 6,655 |
| Equity capital to assets | 9.8537% | 4,196 |
| Core capital (leverage) ratio | 9.4118% | 3,944 |
| Tier 1 risk-based capital ratio | 12.3568% | 4,983 |
| Total risk-based capital ratio | 13.6162% | 4,960 |
| Memoranda: | ||
| Average total assets | $1,849,705,330 | 377 |
| Average earning assets | $1,734,854,000 | 357 |
| Average equity | $176,525,330 | 394 |
| Average total loans | $1,543,992,670 | 306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 3,226 |
| Cost of funding earning assets | 1.6792% | 2,484 |
| Net interest margin | 3.6841% | 4,332 |
| Noninterest income to average assets | 1.0772% | 1,094 |
| Noninterest expense to average assets | 2.4445% | 5,933 |
| Loan and lease loss provision to assets | 0.4457% | 2,735 |
| Net operating income to assets | 1.1727% | 1,611 |
| Return on assets (ROA) | 1.1727% | 1,693 |
| Pretax return on assets | 1.6441% | 1,175 |
| Return on Equity (ROE) | 12.4899% | 1,373 |
| Retained earnings to average equity (ytd only) | 3.2420% | 4,204 |
| Net charge-offs to loans | 0.3599% | 2,973 |
| Credit loss provision to net charge-offs | 149.0620% | 2,395 |
| Earnings coverage of net charge-offs (x) | 6.9892% | 2,144 |
| Efficiency ratio | 53.9109% | 6,982 |
| Assets per employee ($millions) | 4.8180% | 2,484 |
| Cash dividends to net income (ytd only)* | 74.0434% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,341 |
| Loan loss allowance to noncurrent loans | 292.9511% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 5,671 |
| Noncurrent loans to loans | 0.6616% | 5,999 |
| Net loans and leases to total assets | 80.3457% | 792 |
| Net loans and leases to deposits | 103.5053% | 557 |
| Net loans and leases to core deposits | 108.1034% | 1,409 |
| Total domestic deposits to total assets | 77.6247% | 6,423 |
| Equity capital to assets | 9.2918% | 4,848 |
| Core capital (leverage) ratio | 9.2726% | 4,098 |
| Tier 1 risk-based capital ratio | 11.8613% | 5,333 |
| Total risk-based capital ratio | 13.1219% | 5,275 |
| Memoranda: | ||
| Average total assets | $1,854,136,000 | 387 |
| Average earning assets | $1,739,912,500 | 373 |
| Average equity | $174,092,000 | 401 |
| Average total loans | $1,540,331,500 | 314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 3,617 |
| Cost of funding earning assets | 2.1767% | 2,134 |
| Net interest margin | 3.4222% | 5,281 |
| Noninterest income to average assets | 1.0188% | 1,508 |
| Noninterest expense to average assets | 2.3959% | 6,482 |
| Loan and lease loss provision to assets | 0.6578% | 3,180 |
| Net operating income to assets | 0.8886% | 2,218 |
| Return on assets (ROA) | 0.8886% | 2,287 |
| Pretax return on assets | 1.1804% | 2,002 |
| Return on Equity (ROE) | 9.6769% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.0537% | 1,329 |
| Net charge-offs to loans | 0.6907% | 3,115 |
| Credit loss provision to net charge-offs | 114.3596% | 4,788 |
| Earnings coverage of net charge-offs (x) | 3.1958% | 3,459 |
| Efficiency ratio | 56.5863% | 6,947 |
| Assets per employee ($millions) | 4.6665% | 2,665 |
| Cash dividends to net income (ytd only)* | 37.4419% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8921% | 2,280 |
| Loan loss allowance to noncurrent loans | 235.7507% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 5,401 |
| Noncurrent loans to loans | 0.8026% | 5,676 |
| Net loans and leases to total assets | 82.6541% | 585 |
| Net loans and leases to deposits | 112.1264% | 314 |
| Net loans and leases to core deposits | 128.8617% | 1,342 |
| Total domestic deposits to total assets | 73.7151% | 7,054 |
| Equity capital to assets | 9.4896% | 4,422 |
| Core capital (leverage) ratio | 9.1436% | 4,210 |
| Tier 1 risk-based capital ratio | 11.6132% | 5,284 |
| Total risk-based capital ratio | 12.8728% | 5,229 |
| Memoranda: | ||
| Average total assets | $1,816,092,800 | 392 |
| Average earning assets | $1,706,272,200 | 379 |
| Average equity | $166,758,200 | 415 |
| Average total loans | $1,512,332,200 | 333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 3,908 |
| Cost of funding earning assets | 2.2510% | 2,181 |
| Net interest margin | 3.3416% | 5,482 |
| Noninterest income to average assets | 1.0352% | 1,480 |
| Noninterest expense to average assets | 2.4133% | 6,375 |
| Loan and lease loss provision to assets | 0.6085% | 2,953 |
| Net operating income to assets | 0.8637% | 2,560 |
| Return on assets (ROA) | 0.8637% | 2,627 |
| Pretax return on assets | 1.1549% | 2,399 |
| Return on Equity (ROE) | 9.4862% | 2,104 |
| Retained earnings to average equity (ytd only) | 4.9285% | 2,535 |
| Net charge-offs to loans | 0.4619% | 3,381 |
| Credit loss provision to net charge-offs | 158.6881% | 2,997 |
| Earnings coverage of net charge-offs (x) | 4.5986% | 3,077 |
| Efficiency ratio | 57.7788% | 6,751 |
| Assets per employee ($millions) | 4.7544% | 2,468 |
| Cash dividends to net income (ytd only)* | 48.0457% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 1,733 |
| Loan loss allowance to noncurrent loans | 273.9189% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 5,454 |
| Noncurrent loans to loans | 0.7399% | 5,834 |
| Net loans and leases to total assets | 81.1334% | 956 |
| Net loans and leases to deposits | 106.8636% | 615 |
| Net loans and leases to core deposits | 123.6789% | 1,935 |
| Total domestic deposits to total assets | 75.9224% | 6,597 |
| Equity capital to assets | 9.3060% | 5,030 |
| Core capital (leverage) ratio | 8.9900% | 4,664 |
| Tier 1 risk-based capital ratio | 11.1859% | 5,772 |
| Total risk-based capital ratio | 12.4465% | 5,710 |
| Memoranda: | ||
| Average total assets | $1,812,801,250 | 404 |
| Average earning assets | $1,704,295,250 | 390 |
| Average equity | $165,050,250 | 426 |
| Average total loans | $1,505,136,000 | 351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6059% | 4,049 |
| Cost of funding earning assets | 2.3195% | 2,278 |
| Net interest margin | 3.2863% | 5,603 |
| Noninterest income to average assets | 1.0470% | 1,440 |
| Noninterest expense to average assets | 2.4345% | 6,358 |
| Loan and lease loss provision to assets | 0.6549% | 2,465 |
| Net operating income to assets | 0.7708% | 2,966 |
| Return on assets (ROA) | 0.7708% | 3,071 |
| Pretax return on assets | 1.0475% | 2,818 |
| Return on Equity (ROE) | 8.5298% | 2,557 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,171 |
| Net charge-offs to loans | 0.4591% | 2,991 |
| Credit loss provision to net charge-offs | 171.6565% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.4621% | 3,090 |
| Efficiency ratio | 58.8479% | 6,713 |
| Assets per employee ($millions) | 4.6096% | 2,589 |
| Cash dividends to net income (ytd only)* | 75.2728% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0104% | 1,546 |
| Loan loss allowance to noncurrent loans | 251.5235% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 5,366 |
| Noncurrent loans to loans | 0.7993% | 5,634 |
| Net loans and leases to total assets | 81.9006% | 973 |
| Net loans and leases to deposits | 108.1783% | 642 |
| Net loans and leases to core deposits | 125.0309% | 1,945 |
| Total domestic deposits to total assets | 75.7089% | 6,614 |
| Equity capital to assets | 9.1725% | 5,062 |
| Core capital (leverage) ratio | 8.6395% | 5,199 |
| Tier 1 risk-based capital ratio | 10.9703% | 5,903 |
| Total risk-based capital ratio | 12.2208% | 5,839 |
| Memoranda: | ||
| Average total assets | $1,806,920,670 | 411 |
| Average earning assets | $1,698,972,330 | 398 |
| Average equity | $163,286,670 | 438 |
| Average total loans | $1,501,574,670 | 360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 4,738 |
| Cost of funding earning assets | 2.3267% | 2,592 |
| Net interest margin | 3.2062% | 5,838 |
| Noninterest income to average assets | 0.9752% | 1,559 |
| Noninterest expense to average assets | 2.2684% | 6,637 |
| Loan and lease loss provision to assets | 0.5372% | 2,324 |
| Net operating income to assets | 0.8912% | 2,731 |
| Return on assets (ROA) | 0.8912% | 2,881 |
| Pretax return on assets | 1.1988% | 2,632 |
| Return on Equity (ROE) | 9.9353% | 2,346 |
| Retained earnings to average equity (ytd only) | -1.2318% | 5,938 |
| Net charge-offs to loans | 0.3981% | 2,502 |
| Credit loss provision to net charge-offs | 162.8342% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.2620% | 2,710 |
| Efficiency ratio | 56.6472% | 6,876 |
| Assets per employee ($millions) | 4.6202% | 2,542 |
| Cash dividends to net income (ytd only)* | 112.3979% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 1,605 |
| Loan loss allowance to noncurrent loans | 200.1960% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 5,049 |
| Noncurrent loans to loans | 0.9524% | 5,090 |
| Net loans and leases to total assets | 79.6185% | 1,453 |
| Net loans and leases to deposits | 107.4305% | 762 |
| Net loans and leases to core deposits | 125.0975% | 1,990 |
| Total domestic deposits to total assets | 74.1116% | 6,868 |
| Equity capital to assets | 8.7897% | 5,637 |
| Core capital (leverage) ratio | 8.7492% | 5,063 |
| Tier 1 risk-based capital ratio | 10.9972% | 5,915 |
| Total risk-based capital ratio | 12.2566% | 5,799 |
| Memoranda: | ||
| Average total assets | $1,813,818,000 | 410 |
| Average earning assets | $1,713,658,500 | 397 |
| Average equity | $162,693,000 | 433 |
| Average total loans | $1,503,006,500 | 364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0100% | 5,502 |
| Cost of funding earning assets | 2.6990% | 3,162 |
| Net interest margin | 3.3109% | 5,998 |
| Noninterest income to average assets | 0.9921% | 1,602 |
| Noninterest expense to average assets | 2.2716% | 6,782 |
| Loan and lease loss provision to assets | 0.6729% | 2,165 |
| Net operating income to assets | 0.8365% | 3,278 |
| Return on assets (ROA) | 0.8365% | 3,122 |
| Pretax return on assets | 1.1666% | 2,781 |
| Return on Equity (ROE) | 9.1232% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.6324% | 2,243 |
| Net charge-offs to loans | 0.2477% | 3,793 |
| Credit loss provision to net charge-offs | 323.8953% | 1,388 |
| Earnings coverage of net charge-offs (x) | 8.8542% | 2,808 |
| Efficiency ratio | 55.2542% | 7,113 |
| Assets per employee ($millions) | 4.5513% | 2,536 |
| Cash dividends to net income (ytd only)* | 49.2241% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 1,554 |
| Loan loss allowance to noncurrent loans | 364.7152% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 5,076 |
| Noncurrent loans to loans | 0.5036% | 5,839 |
| Net loans and leases to total assets | 83.0735% | 1,035 |
| Net loans and leases to deposits | 119.4033% | 398 |
| Net loans and leases to core deposits | 137.3673% | 1,419 |
| Total domestic deposits to total assets | 69.5739% | 7,328 |
| Equity capital to assets | 9.1565% | 5,142 |
| Core capital (leverage) ratio | 8.9796% | 4,772 |
| Tier 1 risk-based capital ratio | 11.3751% | 5,358 |
| Total risk-based capital ratio | 12.6345% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,710,133,400 | 416 |
| Average earning assets | $1,610,991,000 | 399 |
| Average equity | $156,808,400 | 450 |
| Average total loans | $1,434,262,200 | 363 |