Home > HomeTrust Bank > Performance and Condition Ratios
HomeTrust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 870 |
| Cost of funding earning assets | 1.5433% | 1,829 |
| Net interest margin | 4.2216% | 904 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.7762% | 1,562 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 1.1827% | 1,690 |
| Return on assets (ROA) | 1.1827% | 1,666 |
| Pretax return on assets | 1.5009% | 1,417 |
| Return on Equity (ROE) | 10.9100% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.5301% | 2,049 |
| Net charge-offs to loans | 0.1843% | 584 |
| Credit loss provision to net charge-offs | 239.3074% | 1,104 |
| Earnings coverage of net charge-offs (x) | 12.0539% | 2,162 |
| Efficiency ratio | 58.5510% | 3,240 |
| Assets per employee ($millions) | 8.3138% | 1,274 |
| Cash dividends to net income (ytd only)* | 40.1645% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 1,942 |
| Loan loss allowance to noncurrent loans | 251.6348% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 1,346 |
| Noncurrent loans to loans | 0.5031% | 1,525 |
| Net loans and leases to total assets | 81.1800% | 513 |
| Net loans and leases to deposits | 103.5627% | 385 |
| Net loans and leases to core deposits | 118.7470% | 662 |
| Total domestic deposits to total assets | 78.3900% | 3,681 |
| Equity capital to assets | 11.1333% | 1,420 |
| Core capital (leverage) ratio | 11.0778% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9008% | 2,271 |
| Memoranda: | ||
| Average total assets | $4,420,876,000 | 300 |
| Average earning assets | $4,069,997,000 | 294 |
| Average equity | $479,086,800 | 275 |
| Average total loans | $3,666,656,600 | 257 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 788 |
| Cost of funding earning assets | 1.4128% | 1,834 |
| Net interest margin | 4.2892% | 814 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.8461% | 1,328 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 1.1677% | 1,883 |
| Return on assets (ROA) | 1.1677% | 1,862 |
| Pretax return on assets | 1.4829% | 1,593 |
| Return on Equity (ROE) | 10.8500% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.8780% | 2,664 |
| Net charge-offs to loans | 0.1447% | 569 |
| Credit loss provision to net charge-offs | 308.2401% | 868 |
| Earnings coverage of net charge-offs (x) | 15.3113% | 1,968 |
| Efficiency ratio | 59.1934% | 3,066 |
| Assets per employee ($millions) | 8.2615% | 1,227 |
| Cash dividends to net income (ytd only)* | 45.8499% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,241 |
| Loan loss allowance to noncurrent loans | 385.4414% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 1,942 |
| Noncurrent loans to loans | 0.3183% | 2,090 |
| Net loans and leases to total assets | 82.0800% | 427 |
| Net loans and leases to deposits | 104.8264% | 326 |
| Net loans and leases to core deposits | 119.5324% | 561 |
| Total domestic deposits to total assets | 78.3100% | 3,783 |
| Equity capital to assets | 10.8816% | 1,393 |
| Core capital (leverage) ratio | 10.7132% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4657% | 2,461 |
| Memoranda: | ||
| Average total assets | $4,358,010,750 | 304 |
| Average earning assets | $4,016,609,000 | 296 |
| Average equity | $468,812,250 | 281 |
| Average total loans | $3,622,867,250 | 263 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 729 |
| Cost of funding earning assets | 1.1988% | 1,996 |
| Net interest margin | 4.4012% | 709 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.9820% | 1,074 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 1.0647% | 2,223 |
| Return on assets (ROA) | 1.0647% | 2,219 |
| Pretax return on assets | 1.3595% | 1,921 |
| Return on Equity (ROE) | 9.9400% | 2,717 |
| Retained earnings to average equity (ytd only) | 3.3657% | 3,383 |
| Net charge-offs to loans | 0.0737% | 834 |
| Credit loss provision to net charge-offs | 710.3448% | 516 |
| Earnings coverage of net charge-offs (x) | 29.2146% | 1,566 |
| Efficiency ratio | 61.0521% | 2,836 |
| Assets per employee ($millions) | 8.2420% | 1,213 |
| Cash dividends to net income (ytd only)* | 66.1376% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,266 |
| Loan loss allowance to noncurrent loans | 527.7088% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,226 |
| Noncurrent loans to loans | 0.2337% | 2,328 |
| Net loans and leases to total assets | 82.0500% | 421 |
| Net loans and leases to deposits | 104.9449% | 337 |
| Net loans and leases to core deposits | 116.2454% | 620 |
| Total domestic deposits to total assets | 78.1800% | 3,829 |
| Equity capital to assets | 10.7067% | 1,508 |
| Core capital (leverage) ratio | 10.6809% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0966% | 2,603 |
| Memoranda: | ||
| Average total assets | $4,260,265,000 | 298 |
| Average earning assets | $3,923,988,667 | 295 |
| Average equity | $456,372,667 | 279 |
| Average total loans | $3,542,035,000 | 257 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 732 |
| Cost of funding earning assets | 0.9482% | 2,225 |
| Net interest margin | 4.4441% | 635 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 3.1990% | 798 |
| Loan and lease loss provision to assets | 0.8600% | 80 |
| Net operating income to assets | 0.7081% | 3,446 |
| Return on assets (ROA) | 0.7081% | 3,403 |
| Pretax return on assets | 0.8488% | 3,353 |
| Return on Equity (ROE) | 6.6100% | 3,614 |
| Retained earnings to average equity (ytd only) | -7.0927% | 4,402 |
| Net charge-offs to loans | 0.0082% | 1,639 |
| Credit loss provision to net charge-offs | 11,942.8571% | 40 |
| Earnings coverage of net charge-offs (x) | 249.0286% | 429 |
| Efficiency ratio | 64.0095% | 2,458 |
| Assets per employee ($millions) | 8.0833% | 1,297 |
| Cash dividends to net income (ytd only)* | 207.3255% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,182 |
| Loan loss allowance to noncurrent loans | 598.4253% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 2,264 |
| Noncurrent loans to loans | 0.2123% | 2,411 |
| Net loans and leases to total assets | 81.5700% | 409 |
| Net loans and leases to deposits | 100.3568% | 431 |
| Net loans and leases to core deposits | 107.6829% | 768 |
| Total domestic deposits to total assets | 81.2800% | 3,595 |
| Equity capital to assets | 10.5723% | 1,533 |
| Core capital (leverage) ratio | 11.3464% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9106% | 2,753 |
| Memoranda: | ||
| Average total assets | $4,086,757,000 | 318 |
| Average earning assets | $3,761,253,000 | 309 |
| Average equity | $437,914,500 | 296 |
| Average total loans | $3,399,316,000 | 268 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 1,303 |
| Cost of funding earning assets | 0.2406% | 3,412 |
| Net interest margin | 3.9328% | 887 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.9543% | 1,038 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.9977% | 2,572 |
| Return on assets (ROA) | 1.0558% | 2,299 |
| Pretax return on assets | 1.3524% | 1,930 |
| Return on Equity (ROE) | 9.7300% | 2,891 |
| Retained earnings to average equity (ytd only) | 2.6656% | 3,809 |
| Net charge-offs to loans | 0.0171% | 1,770 |
| Credit loss provision to net charge-offs | 1,701.2121% | 292 |
| Earnings coverage of net charge-offs (x) | 111.3354% | 924 |
| Efficiency ratio | 65.5152% | 2,290 |
| Assets per employee ($millions) | 7.1507% | 1,857 |
| Cash dividends to net income (ytd only)* | 72.6022% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,042 |
| Loan loss allowance to noncurrent loans | 609.4573% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,286 |
| Noncurrent loans to loans | 0.2084% | 2,452 |
| Net loans and leases to total assets | 82.8100% | 342 |
| Net loans and leases to deposits | 98.8967% | 483 |
| Net loans and leases to core deposits | 103.9991% | 821 |
| Total domestic deposits to total assets | 83.7400% | 3,267 |
| Equity capital to assets | 10.8931% | 1,302 |
| Core capital (leverage) ratio | 10.8446% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8902% | 2,760 |
| Memoranda: | ||
| Average total assets | $3,559,053,000 | 337 |
| Average earning assets | $3,254,061,200 | 336 |
| Average equity | $386,220,200 | 318 |
| Average total loans | $2,886,899,600 | 288 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 1,496 |
| Cost of funding earning assets | 0.1624% | 3,710 |
| Net interest margin | 3.7317% | 1,070 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.9830% | 925 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.8386% | 3,102 |
| Return on assets (ROA) | 0.8950% | 2,863 |
| Pretax return on assets | 1.1412% | 2,589 |
| Return on Equity (ROE) | 8.2600% | 3,254 |
| Retained earnings to average equity (ytd only) | -1.2302% | 4,441 |
| Net charge-offs to loans | -0.0643% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7812% | 1,917 |
| Assets per employee ($millions) | 6.8898% | 2,032 |
| Cash dividends to net income (ytd only)* | 114.9012% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,023 |
| Loan loss allowance to noncurrent loans | 561.1046% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,286 |
| Noncurrent loans to loans | 0.2319% | 2,460 |
| Net loans and leases to total assets | 81.7300% | 397 |
| Net loans and leases to deposits | 93.4429% | 667 |
| Net loans and leases to core deposits | 97.9292% | 899 |
| Total domestic deposits to total assets | 87.4700% | 2,606 |
| Equity capital to assets | 10.7655% | 1,267 |
| Core capital (leverage) ratio | 10.2641% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5216% | 2,941 |
| Memoranda: | ||
| Average total assets | $3,537,105,750 | 341 |
| Average earning assets | $3,230,963,500 | 338 |
| Average equity | $383,461,500 | 318 |
| Average total loans | $2,843,895,000 | 286 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 1,764 |
| Cost of funding earning assets | 0.1547% | 3,515 |
| Net interest margin | 3.4698% | 1,394 |
| Noninterest income to average assets | 0.9595% | 735 |
| Noninterest expense to average assets | 3.0074% | 832 |
| Loan and lease loss provision to assets | 0.1908% | 457 |
| Net operating income to assets | 0.7302% | 3,207 |
| Return on assets (ROA) | 0.8150% | 2,873 |
| Pretax return on assets | 1.0352% | 2,624 |
| Return on Equity (ROE) | 7.5000% | 3,164 |
| Retained earnings to average equity (ytd only) | -6.7197% | 4,584 |
| Net charge-offs to loans | -0.1035% | 4,452 |
| Credit loss provision to net charge-offs | -158.2131% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7607% | 1,660 |
| Assets per employee ($millions) | 6.8251% | 2,052 |
| Cash dividends to net income (ytd only)* | 189.5962% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,604 |
| Loan loss allowance to noncurrent loans | 566.8301% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 2,464 |
| Noncurrent loans to loans | 0.2148% | 2,646 |
| Net loans and leases to total assets | 79.2858% | 454 |
| Net loans and leases to deposits | 90.5519% | 685 |
| Net loans and leases to core deposits | 95.2911% | 854 |
| Total domestic deposits to total assets | 87.5583% | 2,744 |
| Equity capital to assets | 10.5562% | 1,405 |
| Core capital (leverage) ratio | 10.1147% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0235% | 3,012 |
| Memoranda: | ||
| Average total assets | $3,531,104,000 | 335 |
| Average earning assets | $3,222,514,333 | 340 |
| Average equity | $383,707,333 | 323 |
| Average total loans | $2,810,515,000 | 287 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 1,760 |
| Cost of funding earning assets | 0.1482% | 3,526 |
| Net interest margin | 3.3673% | 1,378 |
| Noninterest income to average assets | 1.0254% | 651 |
| Noninterest expense to average assets | 2.9167% | 928 |
| Loan and lease loss provision to assets | -0.0051% | 4,406 |
| Net operating income to assets | 0.9340% | 2,138 |
| Return on assets (ROA) | 0.9340% | 2,131 |
| Pretax return on assets | 1.1850% | 1,861 |
| Return on Equity (ROE) | 8.4732% | 2,524 |
| Retained earnings to average equity (ytd only) | -1.4290% | 4,189 |
| Net charge-offs to loans | -0.1062% | 4,471 |
| Credit loss provision to net charge-offs | 86.3698% | 1,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0599% | 2,097 |
| Assets per employee ($millions) | 6.8503% | 2,101 |
| Cash dividends to net income (ytd only)* | 116.8653% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,267 |
| Loan loss allowance to noncurrent loans | 534.0389% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,652 |
| Noncurrent loans to loans | 0.2087% | 2,778 |
| Net loans and leases to total assets | 77.7545% | 393 |
| Net loans and leases to deposits | 89.9432% | 513 |
| Net loans and leases to core deposits | 92.8317% | 781 |
| Total domestic deposits to total assets | 86.4485% | 3,122 |
| Equity capital to assets | 10.9207% | 1,371 |
| Core capital (leverage) ratio | 10.5096% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1697% | 3,032 |
| Memoranda: | ||
| Average total assets | $3,522,118,000 | 341 |
| Average earning assets | $3,212,297,000 | 341 |
| Average equity | $388,237,000 | 326 |
| Average total loans | $2,791,471,500 | 290 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 2,449 |
| Cost of funding earning assets | 0.2930% | 2,470 |
| Net interest margin | 3.2832% | 2,354 |
| Noninterest income to average assets | 1.1981% | 737 |
| Noninterest expense to average assets | 3.6564% | 399 |
| Loan and lease loss provision to assets | -0.2527% | 4,749 |
| Net operating income to assets | 0.6355% | 3,789 |
| Return on assets (ROA) | 0.6355% | 3,841 |
| Pretax return on assets | 0.7819% | 3,763 |
| Return on Equity (ROE) | 5.8595% | 3,803 |
| Retained earnings to average equity (ytd only) | -0.5200% | 4,550 |
| Net charge-offs to loans | 0.0095% | 2,217 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | 70.9624% | 1,064 |
| Efficiency ratio | 87.0544% | 424 |
| Assets per employee ($millions) | 6.8544% | 2,031 |
| Cash dividends to net income (ytd only)* | 108.8752% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,332 |
| Loan loss allowance to noncurrent loans | 496.5169% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,685 |
| Noncurrent loans to loans | 0.2226% | 2,848 |
| Net loans and leases to total assets | 79.0041% | 318 |
| Net loans and leases to deposits | 92.1156% | 464 |
| Net loans and leases to core deposits | 94.7959% | 744 |
| Total domestic deposits to total assets | 85.7662% | 2,986 |
| Equity capital to assets | 11.1261% | 1,714 |
| Core capital (leverage) ratio | 10.4927% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4479% | 2,992 |
| Memoranda: | ||
| Average total assets | $3,567,223,000 | 328 |
| Average earning assets | $3,245,916,000 | 328 |
| Average equity | $386,893,800 | 326 |
| Average total loans | $2,804,735,200 | 283 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 2,605 |
| Cost of funding earning assets | 0.3334% | 2,264 |
| Net interest margin | 3.2478% | 2,587 |
| Noninterest income to average assets | 1.2082% | 779 |
| Noninterest expense to average assets | 3.8918% | 310 |
| Loan and lease loss provision to assets | -0.2424% | 4,788 |
| Net operating income to assets | 0.4253% | 4,334 |
| Return on assets (ROA) | 0.4253% | 4,365 |
| Pretax return on assets | 0.5131% | 4,356 |
| Return on Equity (ROE) | 3.9465% | 4,311 |
| Retained earnings to average equity (ytd only) | -2.8113% | 4,735 |
| Net charge-offs to loans | -0.0364% | 4,221 |
| Credit loss provision to net charge-offs | 808.9961% | 587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1493% | 248 |
| Assets per employee ($millions) | 6.7858% | 2,025 |
| Cash dividends to net income (ytd only)* | 171.2361% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,905 |
| Loan loss allowance to noncurrent loans | 510.6263% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,821 |
| Noncurrent loans to loans | 0.2385% | 2,978 |
| Net loans and leases to total assets | 80.1580% | 280 |
| Net loans and leases to deposits | 93.2078% | 445 |
| Net loans and leases to core deposits | 95.5800% | 765 |
| Total domestic deposits to total assets | 85.9993% | 2,746 |
| Equity capital to assets | 11.0251% | 1,997 |
| Core capital (leverage) ratio | 10.3803% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5386% | 3,037 |
| Memoranda: | ||
| Average total assets | $3,583,374,500 | 329 |
| Average earning assets | $3,259,562,250 | 328 |
| Average equity | $386,191,500 | 328 |
| Average total loans | $2,806,383,250 | 284 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 2,802 |
| Cost of funding earning assets | 0.3959% | 1,919 |
| Net interest margin | 3.1420% | 2,918 |
| Noninterest income to average assets | 1.2184% | 783 |
| Noninterest expense to average assets | 4.3468% | 233 |
| Loan and lease loss provision to assets | -0.2795% | 4,824 |
| Net operating income to assets | 0.0430% | 4,755 |
| Return on assets (ROA) | 0.0430% | 4,764 |
| Pretax return on assets | 0.0090% | 4,777 |
| Return on Equity (ROE) | 0.4021% | 4,760 |
| Retained earnings to average equity (ytd only) | -6.6131% | 4,819 |
| Net charge-offs to loans | -0.0353% | 4,221 |
| Credit loss provision to net charge-offs | 985.8300% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2364% | 117 |
| Assets per employee ($millions) | 6.2601% | 2,377 |
| Cash dividends to net income (ytd only)* | 1,744.7301% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,663 |
| Loan loss allowance to noncurrent loans | 281.4251% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 2,166 |
| Noncurrent loans to loans | 0.4458% | 2,332 |
| Net loans and leases to total assets | 79.1992% | 365 |
| Net loans and leases to deposits | 94.0854% | 459 |
| Net loans and leases to core deposits | 96.5152% | 781 |
| Total domestic deposits to total assets | 84.1780% | 3,371 |
| Equity capital to assets | 10.7525% | 2,184 |
| Core capital (leverage) ratio | 9.8063% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4305% | 3,047 |
| Memoranda: | ||
| Average total assets | $3,617,459,667 | 324 |
| Average earning assets | $3,290,371,667 | 323 |
| Average equity | $386,989,667 | 323 |
| Average total loans | $2,800,243,333 | 286 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 2,849 |
| Cost of funding earning assets | 0.4400% | 1,801 |
| Net interest margin | 3.0834% | 3,043 |
| Noninterest income to average assets | 1.1769% | 881 |
| Noninterest expense to average assets | 3.3204% | 586 |
| Loan and lease loss provision to assets | -0.4476% | 4,905 |
| Net operating income to assets | 0.8797% | 3,181 |
| Return on assets (ROA) | 0.8797% | 3,262 |
| Pretax return on assets | 1.1085% | 3,091 |
| Return on Equity (ROE) | 8.2435% | 3,256 |
| Retained earnings to average equity (ytd only) | -0.8389% | 4,444 |
| Net charge-offs to loans | -0.0266% | 4,118 |
| Credit loss provision to net charge-offs | 2,145.9459% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9472% | 651 |
| Assets per employee ($millions) | 6.2902% | 2,334 |
| Cash dividends to net income (ytd only)* | 110.1762% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,445 |
| Loan loss allowance to noncurrent loans | 272.6991% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 2,351 |
| Noncurrent loans to loans | 0.4762% | 2,419 |
| Net loans and leases to total assets | 75.1254% | 704 |
| Net loans and leases to deposits | 93.9051% | 499 |
| Net loans and leases to core deposits | 96.7884% | 855 |
| Total domestic deposits to total assets | 80.0014% | 4,204 |
| Equity capital to assets | 10.7025% | 2,080 |
| Core capital (leverage) ratio | 9.9072% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8718% | 2,952 |
| Memoranda: | ||
| Average total assets | $3,663,963,500 | 322 |
| Average earning assets | $3,332,525,000 | 317 |
| Average equity | $391,001,000 | 317 |
| Average total loans | $2,786,962,000 | 286 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 3,307 |
| Cost of funding earning assets | 0.7075% | 1,682 |
| Net interest margin | 3.0905% | 3,651 |
| Noninterest income to average assets | 0.8736% | 1,339 |
| Noninterest expense to average assets | 2.8041% | 1,933 |
| Loan and lease loss provision to assets | 0.1626% | 2,342 |
| Net operating income to assets | 0.5726% | 3,840 |
| Return on assets (ROA) | 0.5726% | 3,944 |
| Pretax return on assets | 0.7146% | 3,851 |
| Return on Equity (ROE) | 5.2486% | 3,831 |
| Retained earnings to average equity (ytd only) | 0.3496% | 4,411 |
| Net charge-offs to loans | 0.0969% | 1,498 |
| Credit loss provision to net charge-offs | 211.4943% | 2,105 |
| Earnings coverage of net charge-offs (x) | 11.7694% | 2,385 |
| Efficiency ratio | 75.3622% | 1,300 |
| Assets per employee ($millions) | 6.2685% | 2,104 |
| Cash dividends to net income (ytd only)* | 93.3394% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,869 |
| Loan loss allowance to noncurrent loans | 274.0680% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 2,397 |
| Noncurrent loans to loans | 0.5198% | 2,419 |
| Net loans and leases to total assets | 74.9321% | 913 |
| Net loans and leases to deposits | 100.2653% | 368 |
| Net loans and leases to core deposits | 103.8434% | 733 |
| Total domestic deposits to total assets | 74.7338% | 4,592 |
| Equity capital to assets | 10.6409% | 2,565 |
| Core capital (leverage) ratio | 10.1564% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2688% | 2,849 |
| Memoranda: | ||
| Average total assets | $3,618,353,400 | 306 |
| Average earning assets | $3,287,378,600 | 301 |
| Average equity | $394,749,200 | 300 |
| Average total loans | $2,782,385,400 | 278 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 3,398 |
| Cost of funding earning assets | 0.7812% | 1,585 |
| Net interest margin | 3.0741% | 3,799 |
| Noninterest income to average assets | 0.8207% | 1,418 |
| Noninterest expense to average assets | 2.7734% | 2,046 |
| Loan and lease loss provision to assets | 0.3351% | 1,154 |
| Net operating income to assets | 0.4111% | 4,243 |
| Return on assets (ROA) | 0.4111% | 4,305 |
| Pretax return on assets | 0.5053% | 4,269 |
| Return on Equity (ROE) | 3.7442% | 4,228 |
| Retained earnings to average equity (ytd only) | -0.1311% | 4,496 |
| Net charge-offs to loans | 0.1324% | 1,087 |
| Credit loss provision to net charge-offs | 328.1624% | 1,675 |
| Earnings coverage of net charge-offs (x) | 8.2309% | 2,515 |
| Efficiency ratio | 75.8502% | 1,216 |
| Assets per employee ($millions) | 6.4453% | 1,877 |
| Cash dividends to net income (ytd only)* | 103.5020% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,413 |
| Loan loss allowance to noncurrent loans | 300.8650% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 2,612 |
| Noncurrent loans to loans | 0.4953% | 2,575 |
| Net loans and leases to total assets | 77.6103% | 880 |
| Net loans and leases to deposits | 103.8370% | 391 |
| Net loans and leases to core deposits | 111.5410% | 647 |
| Total domestic deposits to total assets | 74.7425% | 4,523 |
| Equity capital to assets | 10.6035% | 2,702 |
| Core capital (leverage) ratio | 10.0562% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2728% | 2,849 |
| Memoranda: | ||
| Average total assets | $3,603,035,750 | 303 |
| Average earning assets | $3,273,717,000 | 299 |
| Average equity | $395,550,500 | 296 |
| Average total loans | $2,778,716,000 | 278 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,464 |
| Cost of funding earning assets | 0.8740% | 1,485 |
| Net interest margin | 3.0757% | 3,954 |
| Noninterest income to average assets | 0.7510% | 1,575 |
| Noninterest expense to average assets | 2.7354% | 2,273 |
| Loan and lease loss provision to assets | 0.4528% | 850 |
| Net operating income to assets | 0.2934% | 4,435 |
| Return on assets (ROA) | 0.2934% | 4,468 |
| Pretax return on assets | 0.3550% | 4,462 |
| Return on Equity (ROE) | 2.6417% | 4,416 |
| Retained earnings to average equity (ytd only) | -3.1422% | 4,665 |
| Net charge-offs to loans | 0.1503% | 966 |
| Credit loss provision to net charge-offs | 393.5891% | 1,420 |
| Earnings coverage of net charge-offs (x) | 7.0214% | 2,399 |
| Efficiency ratio | 76.1977% | 1,246 |
| Assets per employee ($millions) | 6.4741% | 1,809 |
| Cash dividends to net income (ytd only)* | 218.9488% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,643 |
| Loan loss allowance to noncurrent loans | 178.4162% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,594 |
| Noncurrent loans to loans | 0.5528% | 2,511 |
| Net loans and leases to total assets | 75.7062% | 1,186 |
| Net loans and leases to deposits | 101.0051% | 493 |
| Net loans and leases to core deposits | 111.4509% | 687 |
| Total domestic deposits to total assets | 74.9528% | 4,524 |
| Equity capital to assets | 10.6557% | 2,616 |
| Core capital (leverage) ratio | 9.9402% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7718% | 3,028 |
| Memoranda: | ||
| Average total assets | $3,579,447,667 | 304 |
| Average earning assets | $3,249,562,667 | 300 |
| Average equity | $397,549,667 | 296 |
| Average total loans | $2,740,161,000 | 280 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,341 |
| Cost of funding earning assets | 0.9786% | 1,516 |
| Net interest margin | 3.1853% | 3,897 |
| Noninterest income to average assets | 0.7357% | 1,515 |
| Noninterest expense to average assets | 2.8279% | 2,348 |
| Loan and lease loss provision to assets | 0.6158% | 446 |
| Net operating income to assets | 0.1549% | 4,596 |
| Return on assets (ROA) | 0.1549% | 4,598 |
| Pretax return on assets | 0.1763% | 4,592 |
| Return on Equity (ROE) | 1.3649% | 4,574 |
| Retained earnings to average equity (ytd only) | -6.8002% | 4,637 |
| Net charge-offs to loans | 0.0863% | 1,186 |
| Credit loss provision to net charge-offs | 931.0345% | 614 |
| Earnings coverage of net charge-offs (x) | 11.9759% | 1,711 |
| Efficiency ratio | 77.0680% | 1,451 |
| Assets per employee ($millions) | 6.0847% | 1,610 |
| Cash dividends to net income (ytd only)* | 598.2327% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,747 |
| Loan loss allowance to noncurrent loans | 166.6274% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 2,587 |
| Noncurrent loans to loans | 0.5963% | 2,506 |
| Net loans and leases to total assets | 75.4184% | 1,399 |
| Net loans and leases to deposits | 104.6395% | 343 |
| Net loans and leases to core deposits | 117.4976% | 541 |
| Total domestic deposits to total assets | 72.0745% | 4,764 |
| Equity capital to assets | 11.1333% | 2,746 |
| Core capital (leverage) ratio | 10.4168% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9370% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,507,881,500 | 301 |
| Average earning assets | $3,176,343,500 | 298 |
| Average equity | $397,991,000 | 297 |
| Average total loans | $2,687,094,500 | 275 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 2,897 |
| Cost of funding earning assets | 1.1160% | 1,270 |
| Net interest margin | 3.3970% | 3,752 |
| Noninterest income to average assets | 0.8308% | 1,357 |
| Noninterest expense to average assets | 2.6755% | 2,952 |
| Loan and lease loss provision to assets | 0.1821% | 1,132 |
| Net operating income to assets | 0.8444% | 3,404 |
| Return on assets (ROA) | 0.8444% | 3,494 |
| Pretax return on assets | 1.0496% | 3,334 |
| Return on Equity (ROE) | 7.5503% | 3,341 |
| Retained earnings to average equity (ytd only) | 2.0700% | 3,963 |
| Net charge-offs to loans | 0.2105% | 972 |
| Credit loss provision to net charge-offs | 111.8361% | 2,240 |
| Earnings coverage of net charge-offs (x) | 7.5640% | 2,861 |
| Efficiency ratio | 67.2142% | 2,577 |
| Assets per employee ($millions) | 6.2947% | 1,423 |
| Cash dividends to net income (ytd only)* | 72.5836% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,235 |
| Loan loss allowance to noncurrent loans | 150.0375% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 2,599 |
| Noncurrent loans to loans | 0.5494% | 2,527 |
| Net loans and leases to total assets | 76.4027% | 1,342 |
| Net loans and leases to deposits | 103.0532% | 414 |
| Net loans and leases to core deposits | 116.3940% | 581 |
| Total domestic deposits to total assets | 74.1391% | 4,765 |
| Equity capital to assets | 11.5627% | 2,479 |
| Core capital (leverage) ratio | 10.2943% | 3,196 |
| Tier 1 risk-based capital ratio | 11.5875% | 4,584 |
| Total risk-based capital ratio | 12.2956% | 4,740 |
| Memoranda: | ||
| Average total assets | $3,491,767,200 | 290 |
| Average earning assets | $3,162,223,200 | 287 |
| Average equity | $390,529,800 | 294 |
| Average total loans | $2,701,621,400 | 271 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 3,074 |
| Cost of funding earning assets | 1.1104% | 1,305 |
| Net interest margin | 3.3838% | 3,902 |
| Noninterest income to average assets | 0.7584% | 1,564 |
| Noninterest expense to average assets | 2.6517% | 3,010 |
| Loan and lease loss provision to assets | 0.2272% | 750 |
| Net operating income to assets | 0.7660% | 3,791 |
| Return on assets (ROA) | 0.7660% | 3,860 |
| Pretax return on assets | 0.9447% | 3,755 |
| Return on Equity (ROE) | 6.9064% | 3,718 |
| Retained earnings to average equity (ytd only) | -0.4499% | 4,804 |
| Net charge-offs to loans | 0.2954% | 591 |
| Credit loss provision to net charge-offs | 99.2670% | 2,290 |
| Earnings coverage of net charge-offs (x) | 5.1208% | 2,948 |
| Efficiency ratio | 68.0070% | 2,420 |
| Assets per employee ($millions) | 6.5700% | 1,233 |
| Cash dividends to net income (ytd only)* | 106.5147% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 4,518 |
| Loan loss allowance to noncurrent loans | 189.9038% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,061 |
| Noncurrent loans to loans | 0.4012% | 3,109 |
| Net loans and leases to total assets | 75.9886% | 1,484 |
| Net loans and leases to deposits | 110.3287% | 216 |
| Net loans and leases to core deposits | 124.9705% | 388 |
| Total domestic deposits to total assets | 68.8747% | 5,034 |
| Equity capital to assets | 10.7165% | 3,368 |
| Core capital (leverage) ratio | 10.1557% | 3,469 |
| Tier 1 risk-based capital ratio | 11.1444% | 4,845 |
| Total risk-based capital ratio | 11.8222% | 4,985 |
| Memoranda: | ||
| Average total assets | $3,497,607,250 | 293 |
| Average earning assets | $3,168,159,000 | 291 |
| Average equity | $387,901,500 | 300 |
| Average total loans | $2,709,031,000 | 272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 2,956 |
| Cost of funding earning assets | 1.1001% | 1,305 |
| Net interest margin | 3.4193% | 3,833 |
| Noninterest income to average assets | 0.7060% | 1,689 |
| Noninterest expense to average assets | 2.6730% | 2,996 |
| Loan and lease loss provision to assets | 0.3459% | 376 |
| Net operating income to assets | 0.6509% | 4,161 |
| Return on assets (ROA) | 0.6509% | 4,210 |
| Pretax return on assets | 0.7840% | 4,128 |
| Return on Equity (ROE) | 5.8001% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.1580% | 4,842 |
| Net charge-offs to loans | 0.4395% | 372 |
| Credit loss provision to net charge-offs | 101.2058% | 1,943 |
| Earnings coverage of net charge-offs (x) | 3.3060% | 2,858 |
| Efficiency ratio | 68.8594% | 2,395 |
| Assets per employee ($millions) | 6.2585% | 1,363 |
| Cash dividends to net income (ytd only)* | 119.9643% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,482 |
| Loan loss allowance to noncurrent loans | 207.1650% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,079 |
| Noncurrent loans to loans | 0.3799% | 3,167 |
| Net loans and leases to total assets | 77.7528% | 1,263 |
| Net loans and leases to deposits | 115.2232% | 125 |
| Net loans and leases to core deposits | 130.1569% | 324 |
| Total domestic deposits to total assets | 67.4802% | 5,122 |
| Equity capital to assets | 11.2259% | 2,836 |
| Core capital (leverage) ratio | 10.3425% | 3,249 |
| Tier 1 risk-based capital ratio | 11.5880% | 4,640 |
| Total risk-based capital ratio | 12.3007% | 4,799 |
| Memoranda: | ||
| Average total assets | $3,445,840,670 | 296 |
| Average earning assets | $3,120,858,000 | 295 |
| Average equity | $386,714,670 | 301 |
| Average total loans | $2,679,673,670 | 276 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,991 |
| Cost of funding earning assets | 1.0539% | 1,364 |
| Net interest margin | 3.4102% | 3,863 |
| Noninterest income to average assets | 0.6109% | 1,997 |
| Noninterest expense to average assets | 2.6373% | 3,098 |
| Loan and lease loss provision to assets | 0.6479% | 156 |
| Net operating income to assets | 0.3931% | 4,749 |
| Return on assets (ROA) | 0.3931% | 4,762 |
| Pretax return on assets | 0.4147% | 4,822 |
| Return on Equity (ROE) | 3.5034% | 4,677 |
| Retained earnings to average equity (ytd only) | -10.4708% | 5,124 |
| Net charge-offs to loans | 0.3765% | 413 |
| Credit loss provision to net charge-offs | 222.1823% | 987 |
| Earnings coverage of net charge-offs (x) | 3.6439% | 2,387 |
| Efficiency ratio | 69.7433% | 2,387 |
| Assets per employee ($millions) | 6.1693% | 1,422 |
| Cash dividends to net income (ytd only)* | 398.8734% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,106 |
| Loan loss allowance to noncurrent loans | 213.2151% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 2,985 |
| Noncurrent loans to loans | 0.4282% | 3,050 |
| Net loans and leases to total assets | 76.6911% | 1,369 |
| Net loans and leases to deposits | 113.6358% | 150 |
| Net loans and leases to core deposits | 126.3315% | 370 |
| Total domestic deposits to total assets | 67.4886% | 5,184 |
| Equity capital to assets | 11.0173% | 2,837 |
| Core capital (leverage) ratio | 10.2472% | 3,333 |
| Tier 1 risk-based capital ratio | 11.4041% | 4,781 |
| Total risk-based capital ratio | 12.2215% | 4,895 |
| Memoranda: | ||
| Average total assets | $3,432,041,000 | 299 |
| Average earning assets | $3,108,690,000 | 296 |
| Average equity | $385,109,000 | 302 |
| Average total loans | $2,658,449,500 | 280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 3,383 |
| Cost of funding earning assets | 0.7557% | 1,756 |
| Net interest margin | 3.4650% | 3,818 |
| Noninterest income to average assets | 0.6380% | 2,111 |
| Noninterest expense to average assets | 2.5992% | 3,336 |
| Loan and lease loss provision to assets | 0.0021% | 4,061 |
| Net operating income to assets | 0.8912% | 3,465 |
| Return on assets (ROA) | 0.8912% | 3,460 |
| Pretax return on assets | 1.1694% | 3,020 |
| Return on Equity (ROE) | 7.9092% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.9092% | 1,279 |
| Net charge-offs to loans | -0.0126% | 4,559 |
| Credit loss provision to net charge-offs | -21.3166% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0613% | 2,700 |
| Assets per employee ($millions) | 6.2555% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,508 |
| Loan loss allowance to noncurrent loans | 227.0977% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,173 |
| Noncurrent loans to loans | 0.3558% | 3,267 |
| Net loans and leases to total assets | 76.8962% | 1,455 |
| Net loans and leases to deposits | 115.3103% | 152 |
| Net loans and leases to core deposits | 127.1793% | 371 |
| Total domestic deposits to total assets | 66.6863% | 5,234 |
| Equity capital to assets | 11.4274% | 2,312 |
| Core capital (leverage) ratio | 10.6761% | 2,857 |
| Tier 1 risk-based capital ratio | 11.8555% | 4,533 |
| Total risk-based capital ratio | 12.5823% | 4,709 |
| Memoranda: | ||
| Average total assets | $3,312,908,600 | 301 |
| Average earning assets | $2,995,236,400 | 299 |
| Average equity | $373,297,200 | 300 |
| Average total loans | $2,526,450,000 | 279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 3,532 |
| Cost of funding earning assets | 0.6860% | 1,937 |
| Net interest margin | 3.4443% | 3,877 |
| Noninterest income to average assets | 0.6495% | 2,075 |
| Noninterest expense to average assets | 2.6106% | 3,250 |
| Loan and lease loss provision to assets | 0.0028% | 3,912 |
| Net operating income to assets | 0.8676% | 3,671 |
| Return on assets (ROA) | 0.8676% | 3,674 |
| Pretax return on assets | 1.1486% | 3,201 |
| Return on Equity (ROE) | 7.7285% | 3,652 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,782 |
| Net charge-offs to loans | 0.0090% | 3,100 |
| Credit loss provision to net charge-offs | 40.4762% | 2,902 |
| Earnings coverage of net charge-offs (x) | 169.0509% | 492 |
| Efficiency ratio | 67.4440% | 2,638 |
| Assets per employee ($millions) | 6.3669% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,605 |
| Loan loss allowance to noncurrent loans | 207.2195% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,167 |
| Noncurrent loans to loans | 0.3881% | 3,264 |
| Net loans and leases to total assets | 76.8474% | 1,525 |
| Net loans and leases to deposits | 115.2419% | 158 |
| Net loans and leases to core deposits | 125.7403% | 416 |
| Total domestic deposits to total assets | 66.6836% | 5,312 |
| Equity capital to assets | 11.3540% | 2,356 |
| Core capital (leverage) ratio | 10.5214% | 3,057 |
| Tier 1 risk-based capital ratio | 11.7221% | 4,654 |
| Total risk-based capital ratio | 12.4464% | 4,849 |
| Memoranda: | ||
| Average total assets | $3,288,818,000 | 301 |
| Average earning assets | $2,971,870,750 | 301 |
| Average equity | $369,223,750 | 301 |
| Average total loans | $2,497,324,000 | 283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,594 |
| Cost of funding earning assets | 0.6261% | 2,066 |
| Net interest margin | 3.4300% | 3,863 |
| Noninterest income to average assets | 0.6350% | 2,156 |
| Noninterest expense to average assets | 2.6147% | 3,286 |
| Loan and lease loss provision to assets | 0.0042% | 3,735 |
| Net operating income to assets | 0.8232% | 3,778 |
| Return on assets (ROA) | 0.8232% | 3,782 |
| Pretax return on assets | 1.1119% | 3,262 |
| Return on Equity (ROE) | 7.3610% | 3,777 |
| Retained earnings to average equity (ytd only) | 7.3610% | 1,896 |
| Net charge-offs to loans | 0.0032% | 3,065 |
| Credit loss provision to net charge-offs | 174.3590% | 1,429 |
| Earnings coverage of net charge-offs (x) | 467.6923% | 191 |
| Efficiency ratio | 68.0438% | 2,636 |
| Assets per employee ($millions) | 6.3433% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,599 |
| Loan loss allowance to noncurrent loans | 190.5090% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,038 |
| Noncurrent loans to loans | 0.4360% | 3,135 |
| Net loans and leases to total assets | 76.0006% | 1,643 |
| Net loans and leases to deposits | 112.4347% | 224 |
| Net loans and leases to core deposits | 122.1268% | 514 |
| Total domestic deposits to total assets | 67.5953% | 5,347 |
| Equity capital to assets | 11.2841% | 2,373 |
| Core capital (leverage) ratio | 10.3307% | 3,205 |
| Tier 1 risk-based capital ratio | 11.7014% | 4,688 |
| Total risk-based capital ratio | 12.4503% | 4,848 |
| Memoranda: | ||
| Average total assets | $3,268,752,670 | 300 |
| Average earning assets | $2,950,133,330 | 300 |
| Average equity | $365,549,330 | 296 |
| Average total loans | $2,464,932,670 | 284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,680 |
| Cost of funding earning assets | 0.5568% | 2,344 |
| Net interest margin | 3.4245% | 3,799 |
| Noninterest income to average assets | 0.6029% | 2,245 |
| Noninterest expense to average assets | 2.5820% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7759% | 3,809 |
| Return on assets (ROA) | 0.7759% | 3,807 |
| Pretax return on assets | 1.1087% | 3,141 |
| Return on Equity (ROE) | 6.9703% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.9703% | 2,292 |
| Net charge-offs to loans | -0.0613% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8213% | 2,859 |
| Assets per employee ($millions) | 6.5413% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 4,561 |
| Loan loss allowance to noncurrent loans | 163.1998% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,754 |
| Noncurrent loans to loans | 0.5344% | 2,921 |
| Net loans and leases to total assets | 74.3089% | 1,809 |
| Net loans and leases to deposits | 109.7745% | 265 |
| Net loans and leases to core deposits | 117.8726% | 656 |
| Total domestic deposits to total assets | 67.6923% | 5,426 |
| Equity capital to assets | 11.1860% | 2,397 |
| Core capital (leverage) ratio | 10.2283% | 3,267 |
| Tier 1 risk-based capital ratio | 11.6694% | 4,756 |
| Total risk-based capital ratio | 12.4488% | 4,930 |
| Memoranda: | ||
| Average total assets | $3,253,872,500 | 300 |
| Average earning assets | $2,934,027,500 | 299 |
| Average equity | $362,221,000 | 300 |
| Average total loans | $2,433,456,500 | 284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 3,456 |
| Cost of funding earning assets | 0.4334% | 2,929 |
| Net interest margin | 3.5507% | 3,339 |
| Noninterest income to average assets | 0.5650% | 2,630 |
| Noninterest expense to average assets | 2.9701% | 2,248 |
| Loan and lease loss provision to assets | 0.0020% | 4,201 |
| Net operating income to assets | 0.0027% | 5,356 |
| Return on assets (ROA) | 0.0031% | 5,356 |
| Pretax return on assets | 0.7702% | 4,333 |
| Return on Equity (ROE) | 0.0274% | 5,353 |
| Retained earnings to average equity (ytd only) | 0.0274% | 4,998 |
| Net charge-offs to loans | -0.0046% | 4,622 |
| Credit loss provision to net charge-offs | -60.5769% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8454% | 1,504 |
| Assets per employee ($millions) | 6.7435% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,604 |
| Loan loss allowance to noncurrent loans | 134.7580% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 2,546 |
| Noncurrent loans to loans | 0.6429% | 2,617 |
| Net loans and leases to total assets | 73.9628% | 1,930 |
| Net loans and leases to deposits | 112.3218% | 209 |
| Net loans and leases to core deposits | 116.8890% | 693 |
| Total domestic deposits to total assets | 65.8490% | 5,521 |
| Equity capital to assets | 11.0777% | 2,556 |
| Core capital (leverage) ratio | 9.9469% | 3,522 |
| Tier 1 risk-based capital ratio | 11.7289% | 4,697 |
| Total risk-based capital ratio | 12.5181% | 4,874 |
| Memoranda: | ||
| Average total assets | $3,114,902,000 | 300 |
| Average earning assets | $2,786,751,000 | 301 |
| Average equity | $354,552,400 | 290 |
| Average total loans | $2,280,862,400 | 287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,413 |
| Cost of funding earning assets | 0.4072% | 3,114 |
| Net interest margin | 3.5743% | 3,245 |
| Noninterest income to average assets | 0.5482% | 2,738 |
| Noninterest expense to average assets | 3.0922% | 1,823 |
| Loan and lease loss provision to assets | 0.0027% | 4,056 |
| Net operating income to assets | 0.4570% | 4,862 |
| Return on assets (ROA) | 0.4577% | 4,891 |
| Pretax return on assets | 0.6474% | 4,735 |
| Return on Equity (ROE) | 3.9932% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.9932% | 3,551 |
| Net charge-offs to loans | -0.0600% | 5,220 |
| Credit loss provision to net charge-offs | -6.2315% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0206% | 1,101 |
| Assets per employee ($millions) | 6.6317% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,506 |
| Loan loss allowance to noncurrent loans | 130.0089% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 2,496 |
| Noncurrent loans to loans | 0.7018% | 2,603 |
| Net loans and leases to total assets | 73.2529% | 2,053 |
| Net loans and leases to deposits | 111.5636% | 231 |
| Net loans and leases to core deposits | 116.1637% | 745 |
| Total domestic deposits to total assets | 65.6602% | 5,592 |
| Equity capital to assets | 11.4145% | 2,452 |
| Core capital (leverage) ratio | 10.0455% | 3,518 |
| Tier 1 risk-based capital ratio | 11.5326% | 4,945 |
| Total risk-based capital ratio | 12.3510% | 5,077 |
| Memoranda: | ||
| Average total assets | $3,082,720,750 | 303 |
| Average earning assets | $2,754,020,750 | 306 |
| Average equity | $353,361,000 | 291 |
| Average total loans | $2,246,067,250 | 289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,104 |
| Cost of funding earning assets | 0.3733% | 3,354 |
| Net interest margin | 3.6531% | 2,828 |
| Noninterest income to average assets | 0.5239% | 2,869 |
| Noninterest expense to average assets | 3.3227% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3372% | 5,131 |
| Return on assets (ROA) | 0.3383% | 5,152 |
| Pretax return on assets | 0.4621% | 5,067 |
| Return on Equity (ROE) | 2.9469% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.9469% | 3,961 |
| Net charge-offs to loans | -0.0149% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1112% | 751 |
| Assets per employee ($millions) | 6.5691% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,674 |
| Loan loss allowance to noncurrent loans | 128.3536% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,559 |
| Noncurrent loans to loans | 0.6945% | 2,671 |
| Net loans and leases to total assets | 73.0053% | 2,040 |
| Net loans and leases to deposits | 112.6300% | 214 |
| Net loans and leases to core deposits | 116.2761% | 697 |
| Total domestic deposits to total assets | 64.8187% | 5,655 |
| Equity capital to assets | 11.3889% | 2,418 |
| Core capital (leverage) ratio | 9.9701% | 3,573 |
| Tier 1 risk-based capital ratio | 11.6831% | 4,848 |
| Total risk-based capital ratio | 12.5030% | 5,000 |
| Memoranda: | ||
| Average total assets | $3,029,327,330 | 311 |
| Average earning assets | $2,702,847,330 | 314 |
| Average equity | $347,760,670 | 296 |
| Average total loans | $2,195,625,670 | 294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,518 |
| Cost of funding earning assets | 0.3454% | 3,582 |
| Net interest margin | 3.7940% | 2,135 |
| Noninterest income to average assets | 0.5181% | 2,852 |
| Noninterest expense to average assets | 3.8970% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0491% | 5,570 |
| Return on assets (ROA) | 0.0491% | 5,576 |
| Pretax return on assets | 0.0050% | 5,597 |
| Return on Equity (ROE) | 0.4261% | 5,576 |
| Retained earnings to average equity (ytd only) | 0.4261% | 4,823 |
| Net charge-offs to loans | -0.0210% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0996% | 291 |
| Assets per employee ($millions) | 6.5111% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,691 |
| Loan loss allowance to noncurrent loans | 130.5387% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 2,653 |
| Noncurrent loans to loans | 0.7024% | 2,737 |
| Net loans and leases to total assets | 71.7031% | 2,113 |
| Net loans and leases to deposits | 107.4366% | 273 |
| Net loans and leases to core deposits | 111.4394% | 800 |
| Total domestic deposits to total assets | 66.7399% | 5,699 |
| Equity capital to assets | 11.3677% | 2,288 |
| Core capital (leverage) ratio | 9.7469% | 3,819 |
| Tier 1 risk-based capital ratio | 11.6485% | 4,945 |
| Total risk-based capital ratio | 12.4881% | 5,076 |
| Memoranda: | ||
| Average total assets | $2,947,691,000 | 317 |
| Average earning assets | $2,629,126,000 | 319 |
| Average equity | $339,839,500 | 303 |
| Average total loans | $2,117,573,000 | 307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,409 |
| Cost of funding earning assets | 0.2751% | 4,309 |
| Net interest margin | 3.3626% | 3,951 |
| Noninterest income to average assets | 0.5349% | 3,000 |
| Noninterest expense to average assets | 2.8368% | 2,894 |
| Loan and lease loss provision to assets | 0.0053% | 4,250 |
| Net operating income to assets | 0.4867% | 4,681 |
| Return on assets (ROA) | 0.4867% | 4,761 |
| Pretax return on assets | 0.6962% | 4,500 |
| Return on Equity (ROE) | 4.0774% | 4,806 |
| Retained earnings to average equity (ytd only) | -1.5280% | 5,495 |
| Net charge-offs to loans | 0.0670% | 2,735 |
| Credit loss provision to net charge-offs | 11.7409% | 3,732 |
| Earnings coverage of net charge-offs (x) | 15.4883% | 2,195 |
| Efficiency ratio | 77.4167% | 1,787 |
| Assets per employee ($millions) | 6.1663% | 1,357 |
| Cash dividends to net income (ytd only)* | 137.4755% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,928 |
| Loan loss allowance to noncurrent loans | 107.4880% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 2,163 |
| Noncurrent loans to loans | 0.9900% | 2,113 |
| Net loans and leases to total assets | 70.4736% | 2,409 |
| Net loans and leases to deposits | 107.3696% | 291 |
| Net loans and leases to core deposits | 109.7491% | 920 |
| Total domestic deposits to total assets | 65.6365% | 5,762 |
| Equity capital to assets | 11.7142% | 1,999 |
| Core capital (leverage) ratio | 10.3810% | 3,016 |
| Tier 1 risk-based capital ratio | 12.7492% | 4,240 |
| Total risk-based capital ratio | 13.7140% | 4,288 |
| Memoranda: | ||
| Average total assets | $2,726,514,800 | 321 |
| Average earning assets | $2,435,344,400 | 328 |
| Average equity | $325,452,600 | 304 |
| Average total loans | $1,844,146,200 | 324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 4,409 |
| Cost of funding earning assets | 0.2739% | 4,347 |
| Net interest margin | 3.3757% | 3,932 |
| Noninterest income to average assets | 0.5423% | 2,958 |
| Noninterest expense to average assets | 2.8129% | 2,960 |
| Loan and lease loss provision to assets | 0.0071% | 4,085 |
| Net operating income to assets | 0.5041% | 4,687 |
| Return on assets (ROA) | 0.5041% | 4,785 |
| Pretax return on assets | 0.7401% | 4,499 |
| Return on Equity (ROE) | 4.2030% | 4,830 |
| Retained earnings to average equity (ytd only) | 0.9553% | 5,100 |
| Net charge-offs to loans | 0.0932% | 2,018 |
| Credit loss provision to net charge-offs | 11.4173% | 3,359 |
| Earnings coverage of net charge-offs (x) | 12.0126% | 2,427 |
| Efficiency ratio | 76.2042% | 1,946 |
| Assets per employee ($millions) | 6.1431% | 1,328 |
| Cash dividends to net income (ytd only)* | 77.2714% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,820 |
| Loan loss allowance to noncurrent loans | 101.7144% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 2,266 |
| Noncurrent loans to loans | 1.0835% | 2,088 |
| Net loans and leases to total assets | 68.0132% | 2,799 |
| Net loans and leases to deposits | 102.8166% | 515 |
| Net loans and leases to core deposits | 105.1310% | 1,269 |
| Total domestic deposits to total assets | 66.1501% | 5,812 |
| Equity capital to assets | 12.0595% | 2,078 |
| Core capital (leverage) ratio | 10.6409% | 2,838 |
| Tier 1 risk-based capital ratio | 13.3525% | 3,950 |
| Total risk-based capital ratio | 14.3368% | 4,018 |
| Memoranda: | ||
| Average total assets | $2,722,146,750 | 319 |
| Average earning assets | $2,433,510,000 | 324 |
| Average equity | $326,456,500 | 301 |
| Average total loans | $1,816,536,000 | 326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 4,532 |
| Cost of funding earning assets | 0.2714% | 4,424 |
| Net interest margin | 3.3481% | 4,066 |
| Noninterest income to average assets | 0.5164% | 3,088 |
| Noninterest expense to average assets | 2.8438% | 2,861 |
| Loan and lease loss provision to assets | 0.0173% | 3,775 |
| Net operating income to assets | 0.4706% | 4,800 |
| Return on assets (ROA) | 0.4706% | 4,890 |
| Pretax return on assets | 0.6470% | 4,768 |
| Return on Equity (ROE) | 3.9312% | 4,934 |
| Retained earnings to average equity (ytd only) | -0.9602% | 5,433 |
| Net charge-offs to loans | 0.1011% | 1,819 |
| Credit loss provision to net charge-offs | 25.9096% | 2,887 |
| Earnings coverage of net charge-offs (x) | 9.9471% | 2,368 |
| Efficiency ratio | 78.1446% | 1,763 |
| Assets per employee ($millions) | 6.0271% | 1,378 |
| Cash dividends to net income (ytd only)* | 124.4250% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,590 |
| Loan loss allowance to noncurrent loans | 101.3566% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 2,243 |
| Noncurrent loans to loans | 1.1435% | 2,012 |
| Net loans and leases to total assets | 67.0138% | 2,938 |
| Net loans and leases to deposits | 99.3588% | 749 |
| Net loans and leases to core deposits | 101.9224% | 1,475 |
| Total domestic deposits to total assets | 67.4463% | 5,851 |
| Equity capital to assets | 12.0975% | 2,056 |
| Core capital (leverage) ratio | 10.5042% | 2,969 |
| Tier 1 risk-based capital ratio | 12.8018% | 4,313 |
| Total risk-based capital ratio | 13.7906% | 4,406 |
| Memoranda: | ||
| Average total assets | $2,716,250,000 | 320 |
| Average earning assets | $2,427,192,000 | 324 |
| Average equity | $325,138,670 | 298 |
| Average total loans | $1,793,975,670 | 330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,733 |
| Cost of funding earning assets | 0.2681% | 4,521 |
| Net interest margin | 3.2922% | 4,249 |
| Noninterest income to average assets | 0.4866% | 3,220 |
| Noninterest expense to average assets | 2.8014% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4653% | 4,757 |
| Return on assets (ROA) | 0.4653% | 4,847 |
| Pretax return on assets | 0.6253% | 4,743 |
| Return on Equity (ROE) | 3.9077% | 4,919 |
| Retained earnings to average equity (ytd only) | -5.8979% | 5,653 |
| Net charge-offs to loans | 0.0915% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.4901% | 1,919 |
| Efficiency ratio | 78.7052% | 1,800 |
| Assets per employee ($millions) | 5.8578% | 1,524 |
| Cash dividends to net income (ytd only)* | 250.9309% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 3,555 |
| Loan loss allowance to noncurrent loans | 88.0853% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 2,045 |
| Noncurrent loans to loans | 1.3483% | 1,770 |
| Net loans and leases to total assets | 65.1990% | 3,079 |
| Net loans and leases to deposits | 96.6112% | 882 |
| Net loans and leases to core deposits | 99.6573% | 1,512 |
| Total domestic deposits to total assets | 67.4860% | 5,935 |
| Equity capital to assets | 11.7733% | 2,181 |
| Core capital (leverage) ratio | 10.3190% | 3,168 |
| Tier 1 risk-based capital ratio | 12.3975% | 4,653 |
| Total risk-based capital ratio | 13.3876% | 4,726 |
| Memoranda: | ||
| Average total assets | $2,724,311,500 | 312 |
| Average earning assets | $2,432,987,000 | 318 |
| Average equity | $324,384,000 | 300 |
| Average total loans | $1,775,625,000 | 326 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,514 |
| Cost of funding earning assets | 0.2455% | 4,831 |
| Net interest margin | 3.4064% | 3,883 |
| Noninterest income to average assets | 0.4933% | 3,369 |
| Noninterest expense to average assets | 3.0666% | 2,332 |
| Loan and lease loss provision to assets | 0.0460% | 3,408 |
| Net operating income to assets | 0.2974% | 5,368 |
| Return on assets (ROA) | 0.2974% | 5,446 |
| Pretax return on assets | 0.4059% | 5,309 |
| Return on Equity (ROE) | 2.4731% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.4731% | 4,309 |
| Net charge-offs to loans | 0.1540% | 1,832 |
| Credit loss provision to net charge-offs | 47.3988% | 3,444 |
| Earnings coverage of net charge-offs (x) | 4.6559% | 3,511 |
| Efficiency ratio | 83.7925% | 1,196 |
| Assets per employee ($millions) | 5.7477% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,128 |
| Loan loss allowance to noncurrent loans | 81.5513% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,831 |
| Noncurrent loans to loans | 1.5405% | 1,496 |
| Net loans and leases to total assets | 63.5525% | 3,342 |
| Net loans and leases to deposits | 93.4609% | 1,252 |
| Net loans and leases to core deposits | 97.0341% | 1,754 |
| Total domestic deposits to total assets | 67.9991% | 5,974 |
| Equity capital to assets | 12.0424% | 1,924 |
| Core capital (leverage) ratio | 10.5124% | 2,914 |
| Tier 1 risk-based capital ratio | 13.0223% | 4,295 |
| Total risk-based capital ratio | 14.0593% | 4,345 |
| Memoranda: | ||
| Average total assets | $2,673,867,400 | 303 |
| Average earning assets | $2,374,669,200 | 307 |
| Average equity | $321,533,800 | 286 |
| Average total loans | $1,684,644,600 | 324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,478 |
| Cost of funding earning assets | 0.2459% | 4,924 |
| Net interest margin | 3.4346% | 3,819 |
| Noninterest income to average assets | 0.5133% | 3,275 |
| Noninterest expense to average assets | 3.1196% | 2,174 |
| Loan and lease loss provision to assets | 0.0595% | 2,995 |
| Net operating income to assets | 0.2767% | 5,523 |
| Return on assets (ROA) | 0.2767% | 5,600 |
| Pretax return on assets | 0.3810% | 5,502 |
| Return on Equity (ROE) | 2.3015% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.3015% | 4,735 |
| Net charge-offs to loans | 0.1963% | 1,302 |
| Credit loss provision to net charge-offs | 48.3937% | 3,057 |
| Earnings coverage of net charge-offs (x) | 3.5815% | 3,482 |
| Efficiency ratio | 84.2218% | 1,145 |
| Assets per employee ($millions) | 5.4192% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 3,271 |
| Loan loss allowance to noncurrent loans | 72.6945% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3328% | 1,756 |
| Noncurrent loans to loans | 1.7433% | 1,373 |
| Net loans and leases to total assets | 63.3391% | 3,401 |
| Net loans and leases to deposits | 92.9311% | 1,311 |
| Net loans and leases to core deposits | 96.6956% | 1,824 |
| Total domestic deposits to total assets | 68.1570% | 6,037 |
| Equity capital to assets | 11.9978% | 2,113 |
| Core capital (leverage) ratio | 10.2635% | 3,294 |
| Tier 1 risk-based capital ratio | 13.1706% | 4,338 |
| Total risk-based capital ratio | 14.2392% | 4,357 |
| Memoranda: | ||
| Average total assets | $2,665,540,000 | 309 |
| Average earning assets | $2,364,648,250 | 309 |
| Average equity | $320,415,250 | 295 |
| Average total loans | $1,670,213,250 | 329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,430 |
| Cost of funding earning assets | 0.2440% | 5,011 |
| Net interest margin | 3.4478% | 3,718 |
| Noninterest income to average assets | 0.5131% | 3,278 |
| Noninterest expense to average assets | 3.2075% | 1,965 |
| Loan and lease loss provision to assets | 0.0897% | 2,320 |
| Net operating income to assets | 0.2306% | 5,625 |
| Return on assets (ROA) | 0.2306% | 5,698 |
| Pretax return on assets | 0.2717% | 5,703 |
| Return on Equity (ROE) | 1.9174% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.9174% | 4,738 |
| Net charge-offs to loans | 0.2669% | 982 |
| Credit loss provision to net charge-offs | 54.0909% | 2,656 |
| Earnings coverage of net charge-offs (x) | 2.1791% | 3,394 |
| Efficiency ratio | 86.3867% | 1,029 |
| Assets per employee ($millions) | 5.8081% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 3,116 |
| Loan loss allowance to noncurrent loans | 83.6782% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 2,137 |
| Noncurrent loans to loans | 1.5824% | 1,664 |
| Net loans and leases to total assets | 60.0866% | 3,826 |
| Net loans and leases to deposits | 87.2598% | 1,913 |
| Net loans and leases to core deposits | 91.0069% | 2,242 |
| Total domestic deposits to total assets | 68.8594% | 6,081 |
| Equity capital to assets | 11.6302% | 2,310 |
| Core capital (leverage) ratio | 10.0011% | 3,602 |
| Tier 1 risk-based capital ratio | 13.3642% | 4,299 |
| Total risk-based capital ratio | 14.4787% | 4,314 |
| Memoranda: | ||
| Average total assets | $2,652,653,670 | 311 |
| Average earning assets | $2,351,153,330 | 310 |
| Average equity | $319,072,330 | 296 |
| Average total loans | $1,648,684,670 | 334 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,314 |
| Cost of funding earning assets | 0.2442% | 5,082 |
| Net interest margin | 3.4702% | 3,550 |
| Noninterest income to average assets | 0.5253% | 3,118 |
| Noninterest expense to average assets | 3.3855% | 1,511 |
| Loan and lease loss provision to assets | 0.1216% | 1,706 |
| Net operating income to assets | 0.0429% | 5,964 |
| Return on assets (ROA) | 0.0429% | 6,008 |
| Pretax return on assets | 0.0880% | 5,961 |
| Return on Equity (ROE) | 0.3507% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.3507% | 5,257 |
| Net charge-offs to loans | 0.3566% | 686 |
| Credit loss provision to net charge-offs | 54.2582% | 2,062 |
| Earnings coverage of net charge-offs (x) | 0.9354% | 2,991 |
| Efficiency ratio | 90.5667% | 811 |
| Assets per employee ($millions) | 5.2953% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,977 |
| Loan loss allowance to noncurrent loans | 72.0772% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 1,728 |
| Noncurrent loans to loans | 1.9235% | 1,391 |
| Net loans and leases to total assets | 62.1789% | 3,338 |
| Net loans and leases to deposits | 82.3170% | 2,298 |
| Net loans and leases to core deposits | 85.9375% | 2,555 |
| Total domestic deposits to total assets | 75.5359% | 5,785 |
| Equity capital to assets | 12.3379% | 1,794 |
| Core capital (leverage) ratio | 10.5231% | 2,930 |
| Tier 1 risk-based capital ratio | 14.5602% | 3,690 |
| Total risk-based capital ratio | 15.8063% | 3,617 |
| Memoranda: | ||
| Average total assets | $2,599,559,500 | 311 |
| Average earning assets | $2,299,565,500 | 318 |
| Average equity | $318,178,500 | 298 |
| Average total loans | $1,633,058,000 | 333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 3,862 |
| Cost of funding earning assets | 0.3011% | 4,782 |
| Net interest margin | 3.6618% | 3,164 |
| Noninterest income to average assets | 0.4846% | 3,624 |
| Noninterest expense to average assets | 3.3750% | 1,752 |
| Loan and lease loss provision to assets | -0.1649% | 6,248 |
| Net operating income to assets | 0.3777% | 5,298 |
| Return on assets (ROA) | 0.3803% | 5,360 |
| Pretax return on assets | 0.5248% | 5,184 |
| Return on Equity (ROE) | 2.4859% | 5,637 |
| Retained earnings to average equity (ytd only) | -11.8552% | 6,344 |
| Net charge-offs to loans | 0.0187% | 4,475 |
| Credit loss provision to net charge-offs | -1,260.4563% | 5,932 |
| Earnings coverage of net charge-offs (x) | 27.2395% | 1,437 |
| Efficiency ratio | 89.1177% | 900 |
| Assets per employee ($millions) | 5.3368% | 1,916 |
| Cash dividends to net income (ytd only)* | 576.9030% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 2,848 |
| Loan loss allowance to noncurrent loans | 74.5687% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 1,729 |
| Noncurrent loans to loans | 1.9053% | 1,484 |
| Net loans and leases to total assets | 61.7016% | 3,540 |
| Net loans and leases to deposits | 81.5496% | 2,531 |
| Net loans and leases to core deposits | 85.5122% | 2,733 |
| Total domestic deposits to total assets | 75.6614% | 5,793 |
| Equity capital to assets | 12.1426% | 1,913 |
| Core capital (leverage) ratio | 9.8410% | 3,782 |
| Tier 1 risk-based capital ratio | 13.2012% | 4,585 |
| Total risk-based capital ratio | 14.4524% | 4,510 |
| Memoranda: | ||
| Average total assets | $2,010,581,200 | 371 |
| Average earning assets | $1,782,625,000 | 374 |
| Average equity | $307,579,400 | 292 |
| Average total loans | $1,405,447,800 | 349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,824 |
| Cost of funding earning assets | 0.3186% | 4,687 |
| Net interest margin | 3.6636% | 3,174 |
| Noninterest income to average assets | 0.4816% | 3,673 |
| Noninterest expense to average assets | 3.4161% | 1,622 |
| Loan and lease loss provision to assets | -0.2545% | 6,429 |
| Net operating income to assets | 0.4218% | 5,168 |
| Return on assets (ROA) | 0.4223% | 5,246 |
| Pretax return on assets | 0.5715% | 5,123 |
| Return on Equity (ROE) | 2.5740% | 5,689 |
| Retained earnings to average equity (ytd only) | -16.7028% | 6,463 |
| Net charge-offs to loans | 0.0411% | 3,680 |
| Credit loss provision to net charge-offs | -855.4217% | 5,848 |
| Earnings coverage of net charge-offs (x) | 10.6265% | 2,521 |
| Efficiency ratio | 90.5383% | 805 |
| Assets per employee ($millions) | 5.0188% | 2,215 |
| Cash dividends to net income (ytd only)* | 748.8961% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 3,021 |
| Loan loss allowance to noncurrent loans | 61.6571% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.3219% | 1,174 |
| Noncurrent loans to loans | 2.3246% | 1,286 |
| Net loans and leases to total assets | 71.8675% | 1,875 |
| Net loans and leases to deposits | 92.6637% | 1,167 |
| Net loans and leases to core deposits | 99.1454% | 1,437 |
| Total domestic deposits to total assets | 77.5574% | 5,598 |
| Equity capital to assets | 14.3844% | 884 |
| Core capital (leverage) ratio | 11.5264% | 2,042 |
| Tier 1 risk-based capital ratio | 15.1819% | 3,486 |
| Total risk-based capital ratio | 16.4349% | 3,425 |
| Memoranda: | ||
| Average total assets | $1,859,470,000 | 388 |
| Average earning assets | $1,649,878,250 | 391 |
| Average equity | $305,091,000 | 291 |
| Average total loans | $1,347,618,000 | 355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,506 |
| Cost of funding earning assets | 0.3365% | 4,572 |
| Net interest margin | 3.4690% | 3,897 |
| Noninterest income to average assets | 0.4886% | 3,564 |
| Noninterest expense to average assets | 3.3744% | 1,737 |
| Loan and lease loss provision to assets | -0.3772% | 6,554 |
| Net operating income to assets | 0.4400% | 5,057 |
| Return on assets (ROA) | 0.4408% | 5,130 |
| Pretax return on assets | 0.5796% | 5,021 |
| Return on Equity (ROE) | 2.5554% | 5,672 |
| Retained earnings to average equity (ytd only) | -10.1058% | 6,421 |
| Net charge-offs to loans | 0.0479% | 3,294 |
| Credit loss provision to net charge-offs | -1,089.1089% | 5,733 |
| Earnings coverage of net charge-offs (x) | 5.8119% | 2,866 |
| Efficiency ratio | 94.0451% | 633 |
| Assets per employee ($millions) | 4.4909% | 2,937 |
| Cash dividends to net income (ytd only)* | 495.4628% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 2,600 |
| Loan loss allowance to noncurrent loans | 60.1533% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.6046% | 1,047 |
| Noncurrent loans to loans | 2.6031% | 1,179 |
| Net loans and leases to total assets | 71.3096% | 1,862 |
| Net loans and leases to deposits | 91.5522% | 1,208 |
| Net loans and leases to core deposits | 98.5074% | 1,407 |
| Total domestic deposits to total assets | 77.8895% | 5,657 |
| Equity capital to assets | 16.4837% | 482 |
| Core capital (leverage) ratio | 13.3734% | 1,025 |
| Tier 1 risk-based capital ratio | 18.2885% | 2,136 |
| Total risk-based capital ratio | 19.5434% | 2,102 |
| Memoranda: | ||
| Average total assets | $1,749,891,670 | 406 |
| Average earning assets | $1,557,226,670 | 408 |
| Average equity | $301,867,670 | 290 |
| Average total loans | $1,264,998,330 | 369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,932 |
| Cost of funding earning assets | 0.3652% | 4,377 |
| Net interest margin | 3.5739% | 3,371 |
| Noninterest income to average assets | 0.5222% | 3,253 |
| Noninterest expense to average assets | 3.2904% | 1,966 |
| Loan and lease loss provision to assets | -0.4497% | 6,653 |
| Net operating income to assets | 0.6431% | 3,982 |
| Return on assets (ROA) | 0.6449% | 4,067 |
| Pretax return on assets | 0.8797% | 3,782 |
| Return on Equity (ROE) | 3.6349% | 5,204 |
| Retained earnings to average equity (ytd only) | -23.2786% | 6,567 |
| Net charge-offs to loans | -0.0135% | 5,165 |
| Credit loss provision to net charge-offs | 4,615.3846% | 85 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2930% | 1,197 |
| Assets per employee ($millions) | 4.9060% | 2,372 |
| Cash dividends to net income (ytd only)* | 740.4107% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,199 |
| Loan loss allowance to noncurrent loans | 55.0600% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 3.2912% | 812 |
| Noncurrent loans to loans | 3.9521% | 687 |
| Net loans and leases to total assets | 70.2544% | 1,842 |
| Net loans and leases to deposits | 89.3186% | 1,221 |
| Net loans and leases to core deposits | 97.3986% | 1,286 |
| Total domestic deposits to total assets | 78.6560% | 5,732 |
| Equity capital to assets | 17.2045% | 376 |
| Core capital (leverage) ratio | 14.5395% | 693 |
| Tier 1 risk-based capital ratio | 21.0901% | 1,457 |
| Total risk-based capital ratio | 22.3539% | 1,435 |
| Memoranda: | ||
| Average total assets | $1,600,913,000 | 443 |
| Average earning assets | $1,431,508,000 | 440 |
| Average equity | $284,021,000 | 299 |
| Average total loans | $1,155,726,500 | 396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,629 |
| Cost of funding earning assets | 0.4488% | 4,130 |
| Net interest margin | 3.6787% | 3,138 |
| Noninterest income to average assets | 0.6489% | 2,816 |
| Noninterest expense to average assets | 3.1330% | 2,636 |
| Loan and lease loss provision to assets | -0.2597% | 6,648 |
| Net operating income to assets | 0.7554% | 3,516 |
| Return on assets (ROA) | 0.7554% | 3,610 |
| Pretax return on assets | 1.0595% | 3,114 |
| Return on Equity (ROE) | 4.2448% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,159 |
| Net charge-offs to loans | 0.2811% | 2,291 |
| Credit loss provision to net charge-offs | -125.3215% | 5,919 |
| Earnings coverage of net charge-offs (x) | 3.8595% | 3,734 |
| Efficiency ratio | 79.5028% | 2,237 |
| Assets per employee ($millions) | 4.8855% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 1,026 |
| Loan loss allowance to noncurrent loans | 55.0116% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.5328% | 824 |
| Noncurrent loans to loans | 4.2074% | 666 |
| Net loans and leases to total assets | 70.8882% | 1,857 |
| Net loans and leases to deposits | 91.3689% | 1,126 |
| Net loans and leases to core deposits | 99.8578% | 1,170 |
| Total domestic deposits to total assets | 77.5846% | 5,889 |
| Equity capital to assets | 18.2801% | 300 |
| Core capital (leverage) ratio | 15.5944% | 528 |
| Tier 1 risk-based capital ratio | 22.3198% | 1,201 |
| Total risk-based capital ratio | 23.5853% | 1,175 |
| Memoranda: | ||
| Average total assets | $1,576,068,800 | 440 |
| Average earning assets | $1,406,923,400 | 440 |
| Average equity | $280,460,600 | 293 |
| Average total loans | $1,161,782,800 | 383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,733 |
| Cost of funding earning assets | 0.4633% | 4,132 |
| Net interest margin | 3.6434% | 3,263 |
| Noninterest income to average assets | 0.6917% | 2,654 |
| Noninterest expense to average assets | 3.0988% | 2,651 |
| Loan and lease loss provision to assets | -0.3183% | 6,777 |
| Net operating income to assets | 0.8077% | 3,304 |
| Return on assets (ROA) | 0.8077% | 3,438 |
| Pretax return on assets | 1.1631% | 2,839 |
| Return on Equity (ROE) | 4.5706% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.5706% | 3,422 |
| Net charge-offs to loans | 0.1626% | 2,934 |
| Credit loss provision to net charge-offs | -264.4570% | 5,949 |
| Earnings coverage of net charge-offs (x) | 7.0183% | 2,863 |
| Efficiency ratio | 78.4386% | 2,351 |
| Assets per employee ($millions) | 4.9596% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4590% | 979 |
| Loan loss allowance to noncurrent loans | 54.5328% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 3.8732% | 825 |
| Noncurrent loans to loans | 4.5092% | 714 |
| Net loans and leases to total assets | 70.3443% | 1,907 |
| Net loans and leases to deposits | 89.8393% | 1,185 |
| Net loans and leases to core deposits | 98.2553% | 1,226 |
| Total domestic deposits to total assets | 78.3002% | 5,858 |
| Equity capital to assets | 17.6999% | 353 |
| Core capital (leverage) ratio | 15.0352% | 635 |
| Tier 1 risk-based capital ratio | 21.6449% | 1,372 |
| Total risk-based capital ratio | 22.9123% | 1,347 |
| Memoranda: | ||
| Average total assets | $1,570,696,500 | 439 |
| Average earning assets | $1,401,937,250 | 443 |
| Average equity | $277,567,000 | 292 |
| Average total loans | $1,162,400,250 | 381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 3,603 |
| Cost of funding earning assets | 0.4721% | 4,181 |
| Net interest margin | 3.6638% | 3,115 |
| Noninterest income to average assets | 0.7139% | 2,574 |
| Noninterest expense to average assets | 3.1586% | 2,484 |
| Loan and lease loss provision to assets | -0.1873% | 6,776 |
| Net operating income to assets | 0.8159% | 3,215 |
| Return on assets (ROA) | 0.8159% | 3,370 |
| Pretax return on assets | 1.0144% | 3,442 |
| Return on Equity (ROE) | 4.6197% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.6197% | 3,322 |
| Net charge-offs to loans | 0.1544% | 2,866 |
| Credit loss provision to net charge-offs | -162.3740% | 5,690 |
| Earnings coverage of net charge-offs (x) | 7.1725% | 2,585 |
| Efficiency ratio | 79.1310% | 2,280 |
| Assets per employee ($millions) | 4.8621% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7671% | 736 |
| Loan loss allowance to noncurrent loans | 62.1917% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 3.8431% | 940 |
| Noncurrent loans to loans | 4.4492% | 789 |
| Net loans and leases to total assets | 72.3842% | 1,508 |
| Net loans and leases to deposits | 92.9093% | 888 |
| Net loans and leases to core deposits | 102.0126% | 937 |
| Total domestic deposits to total assets | 77.9085% | 5,995 |
| Equity capital to assets | 17.8942% | 330 |
| Core capital (leverage) ratio | 15.2505% | 573 |
| Tier 1 risk-based capital ratio | 21.8896% | 1,305 |
| Total risk-based capital ratio | 23.1622% | 1,276 |
| Memoranda: | ||
| Average total assets | $1,548,706,670 | 445 |
| Average earning assets | $1,383,052,670 | 447 |
| Average equity | $273,526,670 | 300 |
| Average total loans | $1,156,425,000 | 382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,480 |
| Cost of funding earning assets | 0.4939% | 4,145 |
| Net interest margin | 3.6640% | 3,011 |
| Noninterest income to average assets | 0.6991% | 2,592 |
| Noninterest expense to average assets | 3.0385% | 2,867 |
| Loan and lease loss provision to assets | -0.0645% | 6,803 |
| Net operating income to assets | 0.8751% | 2,777 |
| Return on assets (ROA) | 0.8751% | 2,931 |
| Pretax return on assets | 0.9948% | 3,375 |
| Return on Equity (ROE) | 4.9876% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.9876% | 3,243 |
| Net charge-offs to loans | 0.3547% | 1,581 |
| Credit loss provision to net charge-offs | -24.3191% | 4,994 |
| Earnings coverage of net charge-offs (x) | 3.5068% | 2,752 |
| Efficiency ratio | 76.4354% | 2,855 |
| Assets per employee ($millions) | 4.7418% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8536% | 774 |
| Loan loss allowance to noncurrent loans | 61.8521% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 4.0423% | 980 |
| Noncurrent loans to loans | 4.6136% | 884 |
| Net loans and leases to total assets | 72.0446% | 1,341 |
| Net loans and leases to deposits | 92.0080% | 801 |
| Net loans and leases to core deposits | 101.6483% | 845 |
| Total domestic deposits to total assets | 78.3025% | 6,071 |
| Equity capital to assets | 17.5996% | 361 |
| Core capital (leverage) ratio | 14.8676% | 610 |
| Tier 1 risk-based capital ratio | 21.3841% | 1,450 |
| Total risk-based capital ratio | 22.6578% | 1,419 |
| Memoranda: | ||
| Average total assets | $1,549,993,000 | 446 |
| Average earning assets | $1,383,184,500 | 447 |
| Average equity | $271,955,500 | 302 |
| Average total loans | $1,159,134,500 | 381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 3,683 |
| Cost of funding earning assets | 0.6639% | 3,795 |
| Net interest margin | 3.7708% | 3,357 |
| Noninterest income to average assets | 0.7479% | 2,508 |
| Noninterest expense to average assets | 3.2060% | 2,589 |
| Loan and lease loss provision to assets | 0.4864% | 1,254 |
| Net operating income to assets | 0.4522% | 4,880 |
| Return on assets (ROA) | 0.4522% | 5,120 |
| Pretax return on assets | 0.4415% | 5,449 |
| Return on Equity (ROE) | 3.4301% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.4301% | 3,811 |
| Net charge-offs to loans | 0.8383% | 1,382 |
| Credit loss provision to net charge-offs | 75.0097% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.4309% | 4,737 |
| Efficiency ratio | 77.3947% | 2,529 |
| Assets per employee ($millions) | 4.8271% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9353% | 706 |
| Loan loss allowance to noncurrent loans | 61.8021% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 4.1545% | 1,017 |
| Noncurrent loans to loans | 4.7496% | 867 |
| Net loans and leases to total assets | 73.1964% | 1,306 |
| Net loans and leases to deposits | 93.7609% | 766 |
| Net loans and leases to core deposits | 102.2520% | 879 |
| Total domestic deposits to total assets | 78.0671% | 6,068 |
| Equity capital to assets | 17.4912% | 366 |
| Core capital (leverage) ratio | 14.7264% | 622 |
| Tier 1 risk-based capital ratio | 20.7005% | 1,525 |
| Total risk-based capital ratio | 21.9751% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,593,269,400 | 427 |
| Average earning assets | $1,430,690,600 | 425 |
| Average equity | $210,051,200 | 359 |
| Average total loans | $1,232,528,800 | 359 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 3,757 |
| Cost of funding earning assets | 0.6951% | 3,813 |
| Net interest margin | 3.7733% | 3,450 |
| Noninterest income to average assets | 0.7465% | 2,504 |
| Noninterest expense to average assets | 3.1405% | 2,758 |
| Loan and lease loss provision to assets | 0.6644% | 780 |
| Net operating income to assets | 0.3907% | 5,286 |
| Return on assets (ROA) | 0.3907% | 5,501 |
| Pretax return on assets | 0.3378% | 5,874 |
| Return on Equity (ROE) | 3.2160% | 5,605 |
| Retained earnings to average equity (ytd only) | 3.2160% | 4,603 |
| Net charge-offs to loans | 0.9528% | 1,126 |
| Credit loss provision to net charge-offs | 89.5957% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.3514% | 4,622 |
| Efficiency ratio | 75.6460% | 2,729 |
| Assets per employee ($millions) | 5.0444% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0070% | 705 |
| Loan loss allowance to noncurrent loans | 71.0083% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 3.8323% | 1,281 |
| Noncurrent loans to loans | 4.2347% | 1,158 |
| Net loans and leases to total assets | 74.1777% | 1,224 |
| Net loans and leases to deposits | 95.2292% | 709 |
| Net loans and leases to core deposits | 104.2940% | 854 |
| Total domestic deposits to total assets | 77.8939% | 6,100 |
| Equity capital to assets | 17.1676% | 437 |
| Core capital (leverage) ratio | 14.3905% | 734 |
| Tier 1 risk-based capital ratio | 20.5558% | 1,626 |
| Total risk-based capital ratio | 21.8327% | 1,589 |
| Memoranda: | ||
| Average total assets | $1,605,416,250 | 423 |
| Average earning assets | $1,444,955,250 | 419 |
| Average equity | $195,018,000 | 382 |
| Average total loans | $1,249,450,250 | 353 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 3,660 |
| Cost of funding earning assets | 0.7219% | 3,832 |
| Net interest margin | 3.8043% | 3,339 |
| Noninterest income to average assets | 0.7861% | 2,257 |
| Noninterest expense to average assets | 3.0459% | 3,109 |
| Loan and lease loss provision to assets | 0.8020% | 624 |
| Net operating income to assets | 0.4195% | 5,150 |
| Return on assets (ROA) | 0.4195% | 5,378 |
| Pretax return on assets | 0.3640% | 5,793 |
| Return on Equity (ROE) | 3.9807% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.9807% | 3,965 |
| Net charge-offs to loans | 1.2887% | 829 |
| Credit loss provision to net charge-offs | 79.5204% | 3,333 |
| Earnings coverage of net charge-offs (x) | 1.1561% | 4,439 |
| Efficiency ratio | 72.1563% | 3,409 |
| Assets per employee ($millions) | 5.6581% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 919 |
| Loan loss allowance to noncurrent loans | 54.6891% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.6691% | 1,042 |
| Noncurrent loans to loans | 5.1766% | 931 |
| Net loans and leases to total assets | 70.0403% | 1,914 |
| Net loans and leases to deposits | 81.8230% | 2,138 |
| Net loans and leases to core deposits | 89.4737% | 2,035 |
| Total domestic deposits to total assets | 85.5997% | 3,568 |
| Equity capital to assets | 10.0279% | 4,290 |
| Core capital (leverage) ratio | 7.3216% | 6,707 |
| Tier 1 risk-based capital ratio | 11.1777% | 6,414 |
| Total risk-based capital ratio | 12.4523% | 6,382 |
| Memoranda: | ||
| Average total assets | $1,620,982,670 | 419 |
| Average earning assets | $1,459,724,330 | 418 |
| Average equity | $170,826,000 | 439 |
| Average total loans | $1,268,578,670 | 347 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 2,993 |
| Cost of funding earning assets | 0.7764% | 3,648 |
| Net interest margin | 3.9394% | 2,767 |
| Noninterest income to average assets | 0.9594% | 1,537 |
| Noninterest expense to average assets | 2.9168% | 3,552 |
| Loan and lease loss provision to assets | 1.1454% | 345 |
| Net operating income to assets | 0.5132% | 4,767 |
| Return on assets (ROA) | 0.5132% | 4,976 |
| Pretax return on assets | 0.4370% | 5,627 |
| Return on Equity (ROE) | 4.7436% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.7436% | 3,715 |
| Net charge-offs to loans | 1.6066% | 615 |
| Credit loss provision to net charge-offs | 87.3278% | 2,595 |
| Earnings coverage of net charge-offs (x) | 1.2065% | 3,734 |
| Efficiency ratio | 64.6640% | 4,805 |
| Assets per employee ($millions) | 5.3391% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8462% | 963 |
| Loan loss allowance to noncurrent loans | 46.8374% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 5.7246% | 842 |
| Noncurrent loans to loans | 6.0768% | 828 |
| Net loans and leases to total assets | 78.8159% | 511 |
| Net loans and leases to deposits | 98.1073% | 439 |
| Net loans and leases to core deposits | 111.1600% | 494 |
| Total domestic deposits to total assets | 80.3364% | 5,771 |
| Equity capital to assets | 10.9312% | 2,995 |
| Core capital (leverage) ratio | 7.9823% | 6,272 |
| Tier 1 risk-based capital ratio | 10.8025% | 6,622 |
| Total risk-based capital ratio | 12.0774% | 6,599 |
| Memoranda: | ||
| Average total assets | $1,571,446,000 | 431 |
| Average earning assets | $1,412,102,000 | 430 |
| Average equity | $169,996,000 | 439 |
| Average total loans | $1,282,952,000 | 343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 4,112 |
| Cost of funding earning assets | 1.0636% | 2,926 |
| Net interest margin | 3.6685% | 4,440 |
| Noninterest income to average assets | 0.2529% | 5,717 |
| Noninterest expense to average assets | 2.8294% | 4,238 |
| Loan and lease loss provision to assets | 2.2570% | 225 |
| Net operating income to assets | -0.8553% | 6,678 |
| Return on assets (ROA) | -0.8553% | 6,710 |
| Pretax return on assets | -1.5223% | 6,902 |
| Return on Equity (ROE) | -7.9885% | 6,676 |
| Retained earnings to average equity (ytd only) | -7.9885% | 6,623 |
| Net charge-offs to loans | 2.1878% | 590 |
| Credit loss provision to net charge-offs | 128.2900% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,505 |
| Efficiency ratio | 79.1127% | 2,426 |
| Assets per employee ($millions) | 5.6376% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4739% | 1,351 |
| Loan loss allowance to noncurrent loans | 42.9904% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 5.4091% | 954 |
| Noncurrent loans to loans | 5.7545% | 891 |
| Net loans and leases to total assets | 80.1210% | 480 |
| Net loans and leases to deposits | 101.2058% | 407 |
| Net loans and leases to core deposits | 115.6455% | 452 |
| Total domestic deposits to total assets | 79.1665% | 5,955 |
| Equity capital to assets | 10.7055% | 3,296 |
| Core capital (leverage) ratio | 7.8007% | 6,438 |
| Tier 1 risk-based capital ratio | 10.3454% | 6,755 |
| Total risk-based capital ratio | 11.6143% | 6,723 |
| Memoranda: | ||
| Average total assets | $1,630,459,200 | 404 |
| Average earning assets | $1,471,684,200 | 402 |
| Average equity | $174,563,800 | 405 |
| Average total loans | $1,311,154,000 | 332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 4,468 |
| Cost of funding earning assets | 1.1249% | 2,796 |
| Net interest margin | 3.5754% | 4,866 |
| Noninterest income to average assets | 0.2246% | 6,008 |
| Noninterest expense to average assets | 2.8518% | 4,139 |
| Loan and lease loss provision to assets | 2.6772% | 149 |
| Net operating income to assets | -1.1997% | 6,958 |
| Return on assets (ROA) | -1.1997% | 6,980 |
| Pretax return on assets | -2.0753% | 7,139 |
| Return on Equity (ROE) | -11.2055% | 6,925 |
| Retained earnings to average equity (ytd only) | -11.2055% | 6,892 |
| Net charge-offs to loans | 2.7932% | 359 |
| Credit loss provision to net charge-offs | 119.8127% | 2,716 |
| Earnings coverage of net charge-offs (x) | 0.2694% | 5,395 |
| Efficiency ratio | 82.2865% | 1,934 |
| Assets per employee ($millions) | 5.7723% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2563% | 1,762 |
| Loan loss allowance to noncurrent loans | 50.9788% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 4.4193% | 1,361 |
| Noncurrent loans to loans | 4.4260% | 1,462 |
| Net loans and leases to total assets | 79.1537% | 593 |
| Net loans and leases to deposits | 97.2818% | 620 |
| Net loans and leases to core deposits | 114.6628% | 536 |
| Total domestic deposits to total assets | 81.3654% | 5,307 |
| Equity capital to assets | 10.4427% | 3,777 |
| Core capital (leverage) ratio | 7.5937% | 6,701 |
| Tier 1 risk-based capital ratio | 10.3446% | 6,839 |
| Total risk-based capital ratio | 11.6108% | 6,822 |
| Memoranda: | ||
| Average total assets | $1,643,438,750 | 404 |
| Average earning assets | $1,484,311,750 | 398 |
| Average equity | $175,957,250 | 408 |
| Average total loans | $1,314,736,250 | 331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 4,587 |
| Cost of funding earning assets | 1.2213% | 2,432 |
| Net interest margin | 3.4660% | 5,301 |
| Noninterest income to average assets | 0.1766% | 6,395 |
| Noninterest expense to average assets | 3.0779% | 3,339 |
| Loan and lease loss provision to assets | 3.3486% | 122 |
| Net operating income to assets | -1.8220% | 7,167 |
| Return on assets (ROA) | -1.8220% | 7,172 |
| Pretax return on assets | -3.1129% | 7,318 |
| Return on Equity (ROE) | -16.8826% | 7,106 |
| Retained earnings to average equity (ytd only) | -16.8826% | 7,087 |
| Net charge-offs to loans | 3.1960% | 305 |
| Credit loss provision to net charge-offs | 131.4915% | 2,325 |
| Earnings coverage of net charge-offs (x) | 0.0926% | 5,220 |
| Efficiency ratio | 92.5833% | 1,061 |
| Assets per employee ($millions) | 5.7260% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3333% | 1,690 |
| Loan loss allowance to noncurrent loans | 69.3160% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 3.5421% | 1,851 |
| Noncurrent loans to loans | 3.3663% | 2,113 |
| Net loans and leases to total assets | 78.2188% | 747 |
| Net loans and leases to deposits | 100.6857% | 459 |
| Net loans and leases to core deposits | 115.1850% | 541 |
| Total domestic deposits to total assets | 77.6862% | 6,344 |
| Equity capital to assets | 10.2445% | 3,824 |
| Core capital (leverage) ratio | 8.4046% | 5,700 |
| Tier 1 risk-based capital ratio | 11.1868% | 6,387 |
| Total risk-based capital ratio | 12.4527% | 6,370 |
| Memoranda: | ||
| Average total assets | $1,654,429,000 | 408 |
| Average earning assets | $1,497,402,330 | 401 |
| Average equity | $178,550,670 | 399 |
| Average total loans | $1,318,258,000 | 336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 4,657 |
| Cost of funding earning assets | 1.2449% | 2,534 |
| Net interest margin | 3.4218% | 5,342 |
| Noninterest income to average assets | 0.2350% | 6,032 |
| Noninterest expense to average assets | 2.7532% | 4,633 |
| Loan and lease loss provision to assets | 0.6014% | 1,430 |
| Net operating income to assets | 0.1544% | 5,927 |
| Return on assets (ROA) | 0.1544% | 5,986 |
| Pretax return on assets | -0.0212% | 6,382 |
| Return on Equity (ROE) | 1.3961% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.3961% | 5,267 |
| Net charge-offs to loans | 1.6071% | 838 |
| Credit loss provision to net charge-offs | 47.0810% | 3,815 |
| Earnings coverage of net charge-offs (x) | 0.4542% | 4,278 |
| Efficiency ratio | 82.2761% | 2,183 |
| Assets per employee ($millions) | 5.7895% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 3,736 |
| Loan loss allowance to noncurrent loans | 43.2081% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.8750% | 1,727 |
| Noncurrent loans to loans | 3.6988% | 1,993 |
| Net loans and leases to total assets | 78.6801% | 658 |
| Net loans and leases to deposits | 101.4722% | 403 |
| Net loans and leases to core deposits | 116.8564% | 506 |
| Total domestic deposits to total assets | 77.5386% | 6,439 |
| Equity capital to assets | 11.1273% | 2,560 |
| Core capital (leverage) ratio | 10.1943% | 2,935 |
| Tier 1 risk-based capital ratio | 13.3983% | 4,503 |
| Total risk-based capital ratio | 14.6538% | 4,483 |
| Memoranda: | ||
| Average total assets | $1,662,822,000 | 409 |
| Average earning assets | $1,505,642,500 | 402 |
| Average equity | $183,941,500 | 389 |
| Average total loans | $1,321,613,000 | 339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 4,367 |
| Cost of funding earning assets | 1.6497% | 1,833 |
| Net interest margin | 3.3911% | 5,669 |
| Noninterest income to average assets | 2.0277% | 385 |
| Noninterest expense to average assets | 3.2502% | 2,912 |
| Loan and lease loss provision to assets | 2.3130% | 518 |
| Net operating income to assets | 0.3287% | 4,834 |
| Return on assets (ROA) | 0.3529% | 4,895 |
| Pretax return on assets | -0.4260% | 6,264 |
| Return on Equity (ROE) | 3.3194% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.3194% | 3,544 |
| Net charge-offs to loans | 2.5700% | 725 |
| Credit loss provision to net charge-offs | 113.9636% | 3,812 |
| Earnings coverage of net charge-offs (x) | 0.9111% | 5,201 |
| Efficiency ratio | 63.5472% | 5,424 |
| Assets per employee ($millions) | 5.9005% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 2,809 |
| Loan loss allowance to noncurrent loans | 50.1643% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.0501% | 1,674 |
| Noncurrent loans to loans | 3.6217% | 2,067 |
| Net loans and leases to total assets | 77.5709% | 1,007 |
| Net loans and leases to deposits | 98.6665% | 665 |
| Net loans and leases to core deposits | 114.3377% | 708 |
| Total domestic deposits to total assets | 78.6192% | 6,186 |
| Equity capital to assets | 10.9973% | 2,687 |
| Core capital (leverage) ratio | 9.9663% | 3,132 |
| Tier 1 risk-based capital ratio | 12.9701% | 4,619 |
| Total risk-based capital ratio | 14.2280% | 4,585 |
| Memoranda: | ||
| Average total assets | $1,608,289,400 | 426 |
| Average earning assets | $1,456,831,800 | 423 |
| Average equity | $170,994,000 | 404 |
| Average total loans | $1,270,122,000 | 359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 4,660 |
| Cost of funding earning assets | 1.7208% | 1,767 |
| Net interest margin | 3.3131% | 5,969 |
| Noninterest income to average assets | 1.8180% | 446 |
| Noninterest expense to average assets | 2.9615% | 3,881 |
| Loan and lease loss provision to assets | 2.1846% | 517 |
| Net operating income to assets | 0.4399% | 4,588 |
| Return on assets (ROA) | 0.4495% | 4,729 |
| Pretax return on assets | -0.3096% | 6,413 |
| Return on Equity (ROE) | 4.2660% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.2660% | 3,490 |
| Net charge-offs to loans | 2.1133% | 876 |
| Credit loss provision to net charge-offs | 130.9124% | 3,083 |
| Earnings coverage of net charge-offs (x) | 1.1147% | 4,939 |
| Efficiency ratio | 61.2440% | 5,743 |
| Assets per employee ($millions) | 6.2820% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9992% | 2,224 |
| Loan loss allowance to noncurrent loans | 50.2476% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.2323% | 1,618 |
| Noncurrent loans to loans | 3.9788% | 1,887 |
| Net loans and leases to total assets | 75.8773% | 1,427 |
| Net loans and leases to deposits | 95.7427% | 1,014 |
| Net loans and leases to core deposits | 113.3733% | 869 |
| Total domestic deposits to total assets | 79.2513% | 5,953 |
| Equity capital to assets | 10.6369% | 3,364 |
| Core capital (leverage) ratio | 9.6135% | 3,749 |
| Tier 1 risk-based capital ratio | 12.4540% | 5,028 |
| Total risk-based capital ratio | 13.7136% | 4,990 |
| Memoranda: | ||
| Average total assets | $1,592,900,500 | 427 |
| Average earning assets | $1,444,081,500 | 421 |
| Average equity | $167,833,000 | 405 |
| Average total loans | $1,257,832,000 | 361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 4,470 |
| Cost of funding earning assets | 1.7724% | 1,755 |
| Net interest margin | 3.3248% | 5,925 |
| Noninterest income to average assets | 2.5582% | 263 |
| Noninterest expense to average assets | 3.3729% | 2,337 |
| Loan and lease loss provision to assets | 2.8097% | 370 |
| Net operating income to assets | 0.5356% | 4,170 |
| Return on assets (ROA) | 0.5501% | 4,232 |
| Pretax return on assets | -0.5848% | 6,648 |
| Return on Equity (ROE) | 5.2386% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.2386% | 2,753 |
| Net charge-offs to loans | 2.7954% | 587 |
| Credit loss provision to net charge-offs | 126.4230% | 3,190 |
| Earnings coverage of net charge-offs (x) | 0.9909% | 4,795 |
| Efficiency ratio | 60.3827% | 5,982 |
| Assets per employee ($millions) | 6.2639% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 2,453 |
| Loan loss allowance to noncurrent loans | 58.2687% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.5662% | 1,970 |
| Noncurrent loans to loans | 3.2360% | 2,473 |
| Net loans and leases to total assets | 76.1888% | 1,457 |
| Net loans and leases to deposits | 96.5620% | 998 |
| Net loans and leases to core deposits | 114.7111% | 890 |
| Total domestic deposits to total assets | 78.9014% | 6,065 |
| Equity capital to assets | 10.6520% | 3,216 |
| Core capital (leverage) ratio | 9.4734% | 3,860 |
| Tier 1 risk-based capital ratio | 12.4514% | 4,906 |
| Total risk-based capital ratio | 13.7100% | 4,876 |
| Memoranda: | ||
| Average total assets | $1,573,146,670 | 434 |
| Average earning assets | $1,427,444,330 | 427 |
| Average equity | $165,198,000 | 414 |
| Average total loans | $1,250,712,670 | 360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 3,888 |
| Cost of funding earning assets | 1.8305% | 1,748 |
| Net interest margin | 3.3967% | 5,595 |
| Noninterest income to average assets | 4.8928% | 141 |
| Noninterest expense to average assets | 4.7047% | 476 |
| Loan and lease loss provision to assets | 4.7299% | 172 |
| Net operating income to assets | 0.8229% | 2,872 |
| Return on assets (ROA) | 0.8077% | 3,024 |
| Pretax return on assets | -1.4790% | 7,252 |
| Return on Equity (ROE) | 7.7511% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.7511% | 1,811 |
| Net charge-offs to loans | 3.9953% | 328 |
| Credit loss provision to net charge-offs | 147.0826% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.0183% | 4,160 |
| Efficiency ratio | 58.9617% | 6,346 |
| Assets per employee ($millions) | 6.1522% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 2,239 |
| Loan loss allowance to noncurrent loans | 60.2085% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 3.3236% | 2,150 |
| Noncurrent loans to loans | 3.2911% | 2,422 |
| Net loans and leases to total assets | 76.8633% | 1,356 |
| Net loans and leases to deposits | 97.7726% | 928 |
| Net loans and leases to core deposits | 117.1433% | 900 |
| Total domestic deposits to total assets | 78.6144% | 6,171 |
| Equity capital to assets | 10.6786% | 3,061 |
| Core capital (leverage) ratio | 9.2986% | 4,060 |
| Tier 1 risk-based capital ratio | 12.0321% | 5,166 |
| Total risk-based capital ratio | 13.2919% | 5,119 |
| Memoranda: | ||
| Average total assets | $1,539,147,500 | 454 |
| Average earning assets | $1,398,552,500 | 456 |
| Average equity | $160,389,500 | 428 |
| Average total loans | $1,238,869,500 | 382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 4,865 |
| Cost of funding earning assets | 2.1044% | 2,437 |
| Net interest margin | 3.2599% | 5,890 |
| Noninterest income to average assets | 0.3840% | 5,345 |
| Noninterest expense to average assets | 2.1182% | 7,147 |
| Loan and lease loss provision to assets | 1.9409% | 1,139 |
| Net operating income to assets | 0.1038% | 5,204 |
| Return on assets (ROA) | 0.1442% | 5,134 |
| Pretax return on assets | -0.6005% | 6,093 |
| Return on Equity (ROE) | 1.4573% | 5,106 |
| Retained earnings to average equity (ytd only) | 1.4573% | 4,047 |
| Net charge-offs to loans | 1.7346% | 1,444 |
| Credit loss provision to net charge-offs | 133.9726% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.8816% | 5,224 |
| Efficiency ratio | 62.3832% | 6,079 |
| Assets per employee ($millions) | 5.9595% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 2,950 |
| Loan loss allowance to noncurrent loans | 43.8889% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 3.7499% | 1,775 |
| Noncurrent loans to loans | 3.8350% | 1,944 |
| Net loans and leases to total assets | 81.4128% | 777 |
| Net loans and leases to deposits | 105.4901% | 581 |
| Net loans and leases to core deposits | 157.3265% | 374 |
| Total domestic deposits to total assets | 77.1758% | 6,424 |
| Equity capital to assets | 10.1325% | 3,582 |
| Core capital (leverage) ratio | 9.0383% | 4,359 |
| Tier 1 risk-based capital ratio | 10.7524% | 6,153 |
| Total risk-based capital ratio | 12.0077% | 6,120 |
| Memoranda: | ||
| Average total assets | $1,468,385,600 | 463 |
| Average earning assets | $1,356,468,000 | 455 |
| Average equity | $145,337,000 | 465 |
| Average total loans | $1,226,408,400 | 399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 4,827 |
| Cost of funding earning assets | 2.1601% | 2,598 |
| Net interest margin | 3.2646% | 5,776 |
| Noninterest income to average assets | 0.4017% | 5,268 |
| Noninterest expense to average assets | 2.1866% | 7,012 |
| Loan and lease loss provision to assets | 1.5399% | 1,234 |
| Net operating income to assets | -0.0258% | 5,753 |
| Return on assets (ROA) | 0.0275% | 5,697 |
| Pretax return on assets | -0.2164% | 6,003 |
| Return on Equity (ROE) | 0.2798% | 5,691 |
| Retained earnings to average equity (ytd only) | 0.2798% | 5,081 |
| Net charge-offs to loans | 1.7195% | 1,178 |
| Credit loss provision to net charge-offs | 106.9990% | 4,753 |
| Earnings coverage of net charge-offs (x) | 0.8617% | 5,197 |
| Efficiency ratio | 63.8101% | 5,792 |
| Assets per employee ($millions) | 6.1357% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,297 |
| Loan loss allowance to noncurrent loans | 36.4641% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 3.1077% | 2,205 |
| Noncurrent loans to loans | 3.2096% | 2,355 |
| Net loans and leases to total assets | 82.1751% | 778 |
| Net loans and leases to deposits | 113.1162% | 359 |
| Net loans and leases to core deposits | 164.5182% | 325 |
| Total domestic deposits to total assets | 72.6467% | 7,128 |
| Equity capital to assets | 10.0133% | 4,070 |
| Core capital (leverage) ratio | 9.4823% | 3,933 |
| Tier 1 risk-based capital ratio | 11.1235% | 5,836 |
| Total risk-based capital ratio | 12.2721% | 5,893 |
| Memoranda: | ||
| Average total assets | $1,471,952,750 | 480 |
| Average earning assets | $1,363,913,500 | 470 |
| Average equity | $144,836,500 | 474 |
| Average total loans | $1,231,984,250 | 414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 4,643 |
| Cost of funding earning assets | 2.2673% | 2,500 |
| Net interest margin | 3.2318% | 5,800 |
| Noninterest income to average assets | 0.3753% | 5,506 |
| Noninterest expense to average assets | 2.2634% | 6,874 |
| Loan and lease loss provision to assets | 1.6239% | 1,036 |
| Net operating income to assets | -0.1599% | 6,118 |
| Return on assets (ROA) | -0.0807% | 6,035 |
| Pretax return on assets | -0.3899% | 6,311 |
| Return on Equity (ROE) | -0.8245% | 6,052 |
| Retained earnings to average equity (ytd only) | -0.8245% | 5,437 |
| Net charge-offs to loans | 0.8625% | 1,966 |
| Credit loss provision to net charge-offs | 224.4669% | 2,052 |
| Earnings coverage of net charge-offs (x) | 1.5346% | 4,388 |
| Efficiency ratio | 67.0905% | 5,344 |
| Assets per employee ($millions) | 6.0759% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 2,749 |
| Loan loss allowance to noncurrent loans | 74.5344% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 3,160 |
| Noncurrent loans to loans | 2.1461% | 3,317 |
| Net loans and leases to total assets | 82.3859% | 886 |
| Net loans and leases to deposits | 119.2621% | 252 |
| Net loans and leases to core deposits | 172.9025% | 288 |
| Total domestic deposits to total assets | 69.0797% | 7,550 |
| Equity capital to assets | 9.8297% | 4,177 |
| Core capital (leverage) ratio | 9.3892% | 4,041 |
| Tier 1 risk-based capital ratio | 11.0526% | 5,828 |
| Total risk-based capital ratio | 12.3067% | 5,741 |
| Memoranda: | ||
| Average total assets | $1,477,883,670 | 486 |
| Average earning assets | $1,371,130,330 | 479 |
| Average equity | $144,579,000 | 482 |
| Average total loans | $1,239,609,330 | 426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 4,620 |
| Cost of funding earning assets | 2.4545% | 2,090 |
| Net interest margin | 3.0991% | 6,202 |
| Noninterest income to average assets | 0.3213% | 5,881 |
| Noninterest expense to average assets | 1.9127% | 7,524 |
| Loan and lease loss provision to assets | 1.2419% | 1,042 |
| Net operating income to assets | 0.0334% | 6,177 |
| Return on assets (ROA) | 0.2740% | 5,563 |
| Pretax return on assets | 0.3753% | 5,463 |
| Return on Equity (ROE) | 2.8077% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.8077% | 4,314 |
| Net charge-offs to loans | 0.9310% | 1,422 |
| Credit loss provision to net charge-offs | 158.8946% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.6473% | 3,906 |
| Efficiency ratio | 59.7689% | 6,438 |
| Assets per employee ($millions) | 5.9698% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,867 |
| Loan loss allowance to noncurrent loans | 88.9050% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 3,990 |
| Noncurrent loans to loans | 1.3394% | 4,308 |
| Net loans and leases to total assets | 83.3077% | 810 |
| Net loans and leases to deposits | 123.2473% | 229 |
| Net loans and leases to core deposits | 180.3061% | 232 |
| Total domestic deposits to total assets | 67.5939% | 7,622 |
| Equity capital to assets | 9.8710% | 4,154 |
| Core capital (leverage) ratio | 9.7536% | 3,685 |
| Tier 1 risk-based capital ratio | 11.4383% | 5,469 |
| Total risk-based capital ratio | 12.6175% | 5,439 |
| Memoranda: | ||
| Average total assets | $1,481,641,500 | 490 |
| Average earning assets | $1,376,396,000 | 481 |
| Average equity | $144,602,000 | 484 |
| Average total loans | $1,243,880,000 | 429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 5,182 |
| Cost of funding earning assets | 2.9628% | 2,019 |
| Net interest margin | 3.1112% | 6,619 |
| Noninterest income to average assets | 0.3582% | 5,860 |
| Noninterest expense to average assets | 2.1978% | 6,969 |
| Loan and lease loss provision to assets | 0.4588% | 2,994 |
| Net operating income to assets | 0.5578% | 4,491 |
| Return on assets (ROA) | 0.6758% | 3,838 |
| Pretax return on assets | 0.7090% | 4,366 |
| Return on Equity (ROE) | 6.5325% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.5325% | 1,325 |
| Net charge-offs to loans | 0.2977% | 3,402 |
| Credit loss provision to net charge-offs | 177.8887% | 2,840 |
| Earnings coverage of net charge-offs (x) | 4.0462% | 4,128 |
| Efficiency ratio | 67.8026% | 4,755 |
| Assets per employee ($millions) | 6.2021% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,678 |
| Loan loss allowance to noncurrent loans | 110.5843% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 4,680 |
| Noncurrent loans to loans | 0.9436% | 4,719 |
| Net loans and leases to total assets | 82.7279% | 1,093 |
| Net loans and leases to deposits | 136.7114% | 132 |
| Net loans and leases to core deposits | 191.5155% | 210 |
| Total domestic deposits to total assets | 60.5128% | 7,944 |
| Equity capital to assets | 9.6501% | 4,482 |
| Core capital (leverage) ratio | 9.5371% | 3,964 |
| Tier 1 risk-based capital ratio | 11.1133% | 5,631 |
| Total risk-based capital ratio | 12.1315% | 5,746 |
| Memoranda: | ||
| Average total assets | $1,358,888,200 | 508 |
| Average earning assets | $1,259,336,600 | 501 |
| Average equity | $140,589,600 | 496 |
| Average total loans | $1,177,240,600 | 441 |