Home > Independent Bank > Performance and Condition Ratios
Independent 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 | 5.0343% | 2,007 |
| Cost of funding earning assets | 1.6530% | 1,557 |
| Net interest margin | 3.3814% | 2,443 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.4419% | 2,470 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.2355% | 1,570 |
| Return on assets (ROA) | 1.2320% | 1,552 |
| Pretax return on assets | 1.5400% | 1,341 |
| Return on Equity (ROE) | 15.8900% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.8746% | 1,052 |
| Net charge-offs to loans | 0.0273% | 1,769 |
| Credit loss provision to net charge-offs | 322.7455% | 910 |
| Earnings coverage of net charge-offs (x) | 86.2385% | 976 |
| Efficiency ratio | 59.0798% | 3,181 |
| Assets per employee ($millions) | 6.5662% | 2,372 |
| Cash dividends to net income (ytd only)* | 37.8740% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,251 |
| Loan loss allowance to noncurrent loans | 736.3330% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,508 |
| Noncurrent loans to loans | 0.1950% | 2,538 |
| Net loans and leases to total assets | 71.3300% | 1,664 |
| Net loans and leases to deposits | 80.0859% | 2,101 |
| Net loans and leases to core deposits | 89.6831% | 2,073 |
| Total domestic deposits to total assets | 89.0700% | 1,046 |
| Equity capital to assets | 8.1834% | 3,290 |
| Core capital (leverage) ratio | 8.8005% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4629% | 2,430 |
| Memoranda: | ||
| Average total assets | $5,143,361,200 | 268 |
| Average earning assets | $4,775,535,400 | 261 |
| Average equity | $398,679,200 | 314 |
| Average total loans | $3,652,421,800 | 259 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 2,035 |
| Cost of funding earning assets | 1.5388% | 1,510 |
| Net interest margin | 3.3732% | 2,513 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 2.4575% | 2,354 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.2703% | 1,607 |
| Return on assets (ROA) | 1.2656% | 1,607 |
| Pretax return on assets | 1.5610% | 1,437 |
| Return on Equity (ROE) | 16.5600% | 1,158 |
| Retained earnings to average equity (ytd only) | 10.4228% | 1,291 |
| Net charge-offs to loans | 0.0288% | 1,499 |
| Credit loss provision to net charge-offs | 492.3077% | 639 |
| Earnings coverage of net charge-offs (x) | 85.9013% | 1,001 |
| Efficiency ratio | 58.1987% | 3,181 |
| Assets per employee ($millions) | 6.3134% | 2,483 |
| Cash dividends to net income (ytd only)* | 37.0782% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,173 |
| Loan loss allowance to noncurrent loans | 796.3122% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,619 |
| Noncurrent loans to loans | 0.1854% | 2,620 |
| Net loans and leases to total assets | 71.2600% | 1,660 |
| Net loans and leases to deposits | 79.6439% | 2,080 |
| Net loans and leases to core deposits | 87.7989% | 2,065 |
| Total domestic deposits to total assets | 89.4800% | 1,078 |
| Equity capital to assets | 7.7258% | 3,226 |
| Core capital (leverage) ratio | 8.7081% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3390% | 2,498 |
| Memoranda: | ||
| Average total assets | $5,114,320,750 | 272 |
| Average earning assets | $4,747,770,000 | 267 |
| Average equity | $390,747,250 | 321 |
| Average total loans | $3,613,941,250 | 264 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 2,097 |
| Cost of funding earning assets | 1.3921% | 1,466 |
| Net interest margin | 3.3601% | 2,613 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 2.4726% | 2,284 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.1855% | 1,867 |
| Return on assets (ROA) | 1.1784% | 1,880 |
| Pretax return on assets | 1.4506% | 1,692 |
| Return on Equity (ROE) | 15.4800% | 1,372 |
| Retained earnings to average equity (ytd only) | 9.2838% | 1,608 |
| Net charge-offs to loans | 0.0536% | 985 |
| Credit loss provision to net charge-offs | 259.9372% | 938 |
| Earnings coverage of net charge-offs (x) | 44.1642% | 1,347 |
| Efficiency ratio | 59.5725% | 3,011 |
| Assets per employee ($millions) | 5.9800% | 2,724 |
| Cash dividends to net income (ytd only)* | 40.0360% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,250 |
| Loan loss allowance to noncurrent loans | 784.8168% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,520 |
| Noncurrent loans to loans | 0.1882% | 2,527 |
| Net loans and leases to total assets | 70.1500% | 1,725 |
| Net loans and leases to deposits | 78.9811% | 2,047 |
| Net loans and leases to core deposits | 87.0590% | 2,000 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 7.8086% | 3,344 |
| Core capital (leverage) ratio | 8.7193% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3601% | 2,518 |
| Memoranda: | ||
| Average total assets | $5,087,131,000 | 265 |
| Average earning assets | $4,725,312,667 | 260 |
| Average equity | $387,188,667 | 313 |
| Average total loans | $3,565,854,000 | 256 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 2,087 |
| Cost of funding earning assets | 1.2224% | 1,397 |
| Net interest margin | 3.3762% | 2,699 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.4526% | 2,362 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.1302% | 2,126 |
| Return on assets (ROA) | 1.1160% | 2,144 |
| Pretax return on assets | 1.3693% | 1,962 |
| Return on Equity (ROE) | 14.8600% | 1,579 |
| Retained earnings to average equity (ytd only) | 8.5496% | 2,069 |
| Net charge-offs to loans | 0.1196% | 536 |
| Credit loss provision to net charge-offs | -79.0123% | 4,585 |
| Earnings coverage of net charge-offs (x) | 18.2783% | 1,491 |
| Efficiency ratio | 61.4671% | 2,757 |
| Assets per employee ($millions) | 5.9986% | 2,760 |
| Cash dividends to net income (ytd only)* | 42.4568% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,492 |
| Loan loss allowance to noncurrent loans | 813.2239% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,602 |
| Noncurrent loans to loans | 0.1761% | 2,598 |
| Net loans and leases to total assets | 67.7400% | 1,864 |
| Net loans and leases to deposits | 75.3717% | 2,170 |
| Net loans and leases to core deposits | 83.6595% | 2,011 |
| Total domestic deposits to total assets | 89.8800% | 1,200 |
| Equity capital to assets | 7.6050% | 3,505 |
| Core capital (leverage) ratio | 8.6082% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3978% | 2,606 |
| Memoranda: | ||
| Average total assets | $5,065,273,000 | 277 |
| Average earning assets | $4,708,041,500 | 270 |
| Average equity | $380,460,500 | 326 |
| Average total loans | $3,522,206,500 | 265 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 2,351 |
| Cost of funding earning assets | 0.3454% | 2,516 |
| Net interest margin | 3.4259% | 2,164 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 2.6199% | 1,774 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3909% | 1,154 |
| Return on assets (ROA) | 1.3863% | 1,116 |
| Pretax return on assets | 1.7069% | 903 |
| Return on Equity (ROE) | 17.7300% | 744 |
| Retained earnings to average equity (ytd only) | 9.8083% | 1,216 |
| Net charge-offs to loans | -0.0003% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4416% | 3,274 |
| Assets per employee ($millions) | 5.7754% | 2,969 |
| Cash dividends to net income (ytd only)* | 44.6927% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,226 |
| Loan loss allowance to noncurrent loans | 974.4471% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,708 |
| Noncurrent loans to loans | 0.1531% | 2,730 |
| Net loans and leases to total assets | 69.3200% | 1,698 |
| Net loans and leases to deposits | 77.8975% | 1,960 |
| Net loans and leases to core deposits | 84.2435% | 1,868 |
| Total domestic deposits to total assets | 88.9900% | 1,721 |
| Equity capital to assets | 7.4146% | 3,425 |
| Core capital (leverage) ratio | 8.5558% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2234% | 2,669 |
| Memoranda: | ||
| Average total assets | $4,842,118,600 | 278 |
| Average earning assets | $4,510,370,200 | 272 |
| Average equity | $378,504,800 | 325 |
| Average total loans | $3,252,337,200 | 268 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 2,504 |
| Cost of funding earning assets | 0.1900% | 3,396 |
| Net interest margin | 3.3461% | 2,151 |
| Noninterest income to average assets | 1.3900% | 387 |
| Noninterest expense to average assets | 2.6352% | 1,633 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4191% | 1,037 |
| Return on assets (ROA) | 1.4129% | 1,024 |
| Pretax return on assets | 1.7376% | 830 |
| Return on Equity (ROE) | 17.8400% | 664 |
| Retained earnings to average equity (ytd only) | 9.4267% | 1,509 |
| Net charge-offs to loans | -0.0045% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0514% | 3,376 |
| Assets per employee ($millions) | 5.6314% | 3,096 |
| Cash dividends to net income (ytd only)* | 47.1476% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,303 |
| Loan loss allowance to noncurrent loans | 963.6706% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 2,819 |
| Noncurrent loans to loans | 0.1551% | 2,836 |
| Net loans and leases to total assets | 68.3900% | 1,630 |
| Net loans and leases to deposits | 76.6693% | 1,822 |
| Net loans and leases to core deposits | 80.1494% | 1,890 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 7.2231% | 3,391 |
| Core capital (leverage) ratio | 8.4733% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1675% | 2,761 |
| Memoranda: | ||
| Average total assets | $4,803,708,500 | 281 |
| Average earning assets | $4,482,632,750 | 274 |
| Average equity | $380,526,500 | 324 |
| Average total loans | $3,186,571,750 | 268 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 2,709 |
| Cost of funding earning assets | 0.1083% | 4,100 |
| Net interest margin | 3.2009% | 2,183 |
| Noninterest income to average assets | 1.3919% | 373 |
| Noninterest expense to average assets | 2.6557% | 1,493 |
| Loan and lease loss provision to assets | 0.0462% | 1,739 |
| Net operating income to assets | 1.3705% | 979 |
| Return on assets (ROA) | 1.3611% | 975 |
| Pretax return on assets | 1.6722% | 804 |
| Return on Equity (ROE) | 16.6753% | 607 |
| Retained earnings to average equity (ytd only) | 8.4434% | 1,461 |
| Net charge-offs to loans | 0.0011% | 2,110 |
| Credit loss provision to net charge-offs | 3,811.7647% | 138 |
| Earnings coverage of net charge-offs (x) | 2,423.2353% | 38 |
| Efficiency ratio | 60.1088% | 3,282 |
| Assets per employee ($millions) | 5.2894% | 3,438 |
| Cash dividends to net income (ytd only)* | 49.3660% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,544 |
| Loan loss allowance to noncurrent loans | 817.2555% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,786 |
| Noncurrent loans to loans | 0.1780% | 2,808 |
| Net loans and leases to total assets | 67.2446% | 1,557 |
| Net loans and leases to deposits | 74.4176% | 1,819 |
| Net loans and leases to core deposits | 77.5094% | 1,891 |
| Total domestic deposits to total assets | 90.3612% | 1,538 |
| Equity capital to assets | 7.4102% | 3,527 |
| Core capital (leverage) ratio | 8.4856% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2562% | 2,737 |
| Memoranda: | ||
| Average total assets | $4,762,462,667 | 276 |
| Average earning assets | $4,454,410,000 | 275 |
| Average equity | $388,730,333 | 314 |
| Average total loans | $3,108,372,667 | 272 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1596% | 2,801 |
| Cost of funding earning assets | 0.0751% | 4,402 |
| Net interest margin | 3.0845% | 2,224 |
| Noninterest income to average assets | 1.5364% | 345 |
| Noninterest expense to average assets | 2.6708% | 1,426 |
| Loan and lease loss provision to assets | -0.1630% | 4,658 |
| Net operating income to assets | 1.5613% | 561 |
| Return on assets (ROA) | 1.5661% | 551 |
| Pretax return on assets | 1.9273% | 417 |
| Return on Equity (ROE) | 18.3261% | 312 |
| Retained earnings to average equity (ytd only) | 10.4124% | 921 |
| Net charge-offs to loans | 0.0069% | 1,502 |
| Credit loss provision to net charge-offs | -3,025.0000% | 3,457 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 255 |
| Efficiency ratio | 59.8580% | 3,495 |
| Assets per employee ($millions) | 5.1470% | 3,628 |
| Cash dividends to net income (ytd only)* | 43.1826% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,539 |
| Loan loss allowance to noncurrent loans | 774.2576% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 2,864 |
| Noncurrent loans to loans | 0.1941% | 2,843 |
| Net loans and leases to total assets | 62.7977% | 1,765 |
| Net loans and leases to deposits | 70.0079% | 1,965 |
| Net loans and leases to core deposits | 72.2939% | 2,082 |
| Total domestic deposits to total assets | 89.7009% | 1,718 |
| Equity capital to assets | 8.0271% | 3,544 |
| Core capital (leverage) ratio | 8.5637% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7139% | 2,709 |
| Memoranda: | ||
| Average total assets | $4,731,713,500 | 281 |
| Average earning assets | $4,437,546,500 | 276 |
| Average equity | $404,363,500 | 314 |
| Average total loans | $3,016,690,000 | 275 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3075% | 3,187 |
| Cost of funding earning assets | 0.1129% | 4,285 |
| Net interest margin | 3.1947% | 2,610 |
| Noninterest income to average assets | 1.6138% | 433 |
| Noninterest expense to average assets | 2.8808% | 1,195 |
| Loan and lease loss provision to assets | -0.0161% | 4,204 |
| Net operating income to assets | 1.4161% | 1,229 |
| Return on assets (ROA) | 1.4416% | 1,230 |
| Pretax return on assets | 1.7774% | 963 |
| Return on Equity (ROE) | 15.3729% | 866 |
| Retained earnings to average equity (ytd only) | 7.7592% | 1,636 |
| Net charge-offs to loans | -0.0703% | 4,463 |
| Credit loss provision to net charge-offs | 94.3710% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0127% | 2,865 |
| Assets per employee ($millions) | 5.0673% | 3,673 |
| Cash dividends to net income (ytd only)* | 49.5272% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,316 |
| Loan loss allowance to noncurrent loans | 852.1551% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,075 |
| Noncurrent loans to loans | 0.1850% | 3,019 |
| Net loans and leases to total assets | 62.7485% | 1,852 |
| Net loans and leases to deposits | 70.6141% | 2,061 |
| Net loans and leases to core deposits | 72.9898% | 2,165 |
| Total domestic deposits to total assets | 88.8612% | 1,591 |
| Equity capital to assets | 9.0710% | 3,545 |
| Core capital (leverage) ratio | 8.5662% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0458% | 2,615 |
| Memoranda: | ||
| Average total assets | $4,481,960,800 | 282 |
| Average earning assets | $4,204,512,000 | 275 |
| Average equity | $420,290,800 | 305 |
| Average total loans | $2,906,467,400 | 277 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 3,413 |
| Cost of funding earning assets | 0.1189% | 4,361 |
| Net interest margin | 3.1734% | 2,818 |
| Noninterest income to average assets | 1.7291% | 424 |
| Noninterest expense to average assets | 2.8974% | 1,130 |
| Loan and lease loss provision to assets | -0.0661% | 4,514 |
| Net operating income to assets | 1.5210% | 1,222 |
| Return on assets (ROA) | 1.5557% | 1,179 |
| Pretax return on assets | 1.9156% | 918 |
| Return on Equity (ROE) | 16.4467% | 856 |
| Retained earnings to average equity (ytd only) | 8.8046% | 1,767 |
| Net charge-offs to loans | -0.1026% | 4,620 |
| Credit loss provision to net charge-offs | 115.2252% | 1,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1276% | 2,815 |
| Assets per employee ($millions) | 4.9249% | 3,770 |
| Cash dividends to net income (ytd only)* | 46.4657% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 1,397 |
| Loan loss allowance to noncurrent loans | 790.9245% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,224 |
| Noncurrent loans to loans | 0.1996% | 3,151 |
| Net loans and leases to total assets | 63.1665% | 1,872 |
| Net loans and leases to deposits | 71.6751% | 2,083 |
| Net loans and leases to core deposits | 74.1635% | 2,219 |
| Total domestic deposits to total assets | 88.1289% | 1,763 |
| Equity capital to assets | 9.2691% | 3,594 |
| Core capital (leverage) ratio | 8.7459% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3927% | 2,586 |
| Memoranda: | ||
| Average total assets | $4,426,835,500 | 285 |
| Average earning assets | $4,150,150,250 | 279 |
| Average equity | $418,724,000 | 303 |
| Average total loans | $2,883,590,000 | 279 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 3,583 |
| Cost of funding earning assets | 0.1245% | 4,397 |
| Net interest margin | 3.1170% | 2,992 |
| Noninterest income to average assets | 1.7657% | 404 |
| Noninterest expense to average assets | 2.8578% | 1,238 |
| Loan and lease loss provision to assets | -0.0873% | 4,599 |
| Net operating income to assets | 1.5566% | 1,154 |
| Return on assets (ROA) | 1.6091% | 1,088 |
| Pretax return on assets | 1.9797% | 868 |
| Return on Equity (ROE) | 16.8926% | 798 |
| Retained earnings to average equity (ytd only) | 9.1923% | 1,651 |
| Net charge-offs to loans | -0.0482% | 4,357 |
| Credit loss provision to net charge-offs | 276.0174% | 930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5205% | 2,941 |
| Assets per employee ($millions) | 4.6069% | 4,011 |
| Cash dividends to net income (ytd only)* | 45.5840% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,282 |
| Loan loss allowance to noncurrent loans | 828.2417% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,369 |
| Noncurrent loans to loans | 0.1928% | 3,267 |
| Net loans and leases to total assets | 63.4641% | 2,020 |
| Net loans and leases to deposits | 72.0377% | 2,200 |
| Net loans and leases to core deposits | 73.7736% | 2,432 |
| Total domestic deposits to total assets | 88.0985% | 1,772 |
| Equity capital to assets | 9.4396% | 3,393 |
| Core capital (leverage) ratio | 8.6930% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7107% | 2,476 |
| Memoranda: | ||
| Average total assets | $4,362,593,667 | 287 |
| Average earning assets | $4,086,178,333 | 281 |
| Average equity | $415,567,333 | 300 |
| Average total loans | $2,856,516,000 | 279 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 3,639 |
| Cost of funding earning assets | 0.1318% | 4,445 |
| Net interest margin | 3.0916% | 3,016 |
| Noninterest income to average assets | 2.2505% | 309 |
| Noninterest expense to average assets | 2.7747% | 1,422 |
| Loan and lease loss provision to assets | -0.0439% | 4,640 |
| Net operating income to assets | 1.9507% | 609 |
| Return on assets (ROA) | 2.0571% | 563 |
| Pretax return on assets | 2.5443% | 401 |
| Return on Equity (ROE) | 21.4944% | 430 |
| Retained earnings to average equity (ytd only) | 13.7438% | 788 |
| Net charge-offs to loans | -0.0129% | 3,782 |
| Credit loss provision to net charge-offs | 515.2174% | 586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5069% | 3,845 |
| Assets per employee ($millions) | 4.5483% | 4,062 |
| Cash dividends to net income (ytd only)* | 36.0588% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,208 |
| Loan loss allowance to noncurrent loans | 619.4356% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,279 |
| Noncurrent loans to loans | 0.2635% | 3,165 |
| Net loans and leases to total assets | 63.6641% | 2,090 |
| Net loans and leases to deposits | 71.6952% | 2,341 |
| Net loans and leases to core deposits | 73.4052% | 2,570 |
| Total domestic deposits to total assets | 88.7983% | 1,439 |
| Equity capital to assets | 9.3090% | 3,381 |
| Core capital (leverage) ratio | 8.9478% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9916% | 2,293 |
| Memoranda: | ||
| Average total assets | $4,314,133,000 | 289 |
| Average earning assets | $4,037,336,000 | 284 |
| Average equity | $412,870,000 | 303 |
| Average total loans | $2,846,715,500 | 281 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,215 |
| Cost of funding earning assets | 0.3669% | 3,781 |
| Net interest margin | 3.4626% | 2,587 |
| Noninterest income to average assets | 1.9844% | 334 |
| Noninterest expense to average assets | 3.0944% | 1,245 |
| Loan and lease loss provision to assets | 0.3178% | 1,165 |
| Net operating income to assets | 1.4506% | 918 |
| Return on assets (ROA) | 1.4561% | 989 |
| Pretax return on assets | 1.8090% | 672 |
| Return on Equity (ROE) | 14.8551% | 661 |
| Retained earnings to average equity (ytd only) | 8.6115% | 872 |
| Net charge-offs to loans | 0.1111% | 1,362 |
| Credit loss provision to net charge-offs | 391.6719% | 1,459 |
| Earnings coverage of net charge-offs (x) | 26.1276% | 1,725 |
| Efficiency ratio | 58.8445% | 3,608 |
| Assets per employee ($millions) | 4.5288% | 3,887 |
| Cash dividends to net income (ytd only)* | 42.0301% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,668 |
| Loan loss allowance to noncurrent loans | 426.2392% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,216 |
| Noncurrent loans to loans | 0.2938% | 3,144 |
| Net loans and leases to total assets | 66.4751% | 2,021 |
| Net loans and leases to deposits | 75.4272% | 2,342 |
| Net loans and leases to core deposits | 79.8188% | 2,383 |
| Total domestic deposits to total assets | 88.1315% | 1,412 |
| Equity capital to assets | 9.8452% | 3,269 |
| Core capital (leverage) ratio | 8.8126% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0635% | 2,211 |
| Memoranda: | ||
| Average total assets | $3,921,649,000 | 292 |
| Average earning assets | $3,658,094,600 | 288 |
| Average equity | $384,393,400 | 305 |
| Average total loans | $2,863,895,800 | 271 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 3,315 |
| Cost of funding earning assets | 0.3651% | 3,979 |
| Net interest margin | 3.5180% | 2,529 |
| Noninterest income to average assets | 1.9398% | 331 |
| Noninterest expense to average assets | 3.0764% | 1,276 |
| Loan and lease loss provision to assets | 0.4460% | 730 |
| Net operating income to assets | 1.3658% | 1,186 |
| Return on assets (ROA) | 1.3728% | 1,267 |
| Pretax return on assets | 1.7057% | 965 |
| Return on Equity (ROE) | 14.0229% | 881 |
| Retained earnings to average equity (ytd only) | 8.3651% | 1,186 |
| Net charge-offs to loans | 0.1514% | 967 |
| Credit loss provision to net charge-offs | 395.0935% | 1,474 |
| Earnings coverage of net charge-offs (x) | 18.9828% | 1,949 |
| Efficiency ratio | 58.4344% | 3,608 |
| Assets per employee ($millions) | 4.5553% | 3,777 |
| Cash dividends to net income (ytd only)* | 40.3470% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,614 |
| Loan loss allowance to noncurrent loans | 332.8464% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,984 |
| Noncurrent loans to loans | 0.3634% | 2,984 |
| Net loans and leases to total assets | 70.0941% | 1,938 |
| Net loans and leases to deposits | 79.7130% | 2,346 |
| Net loans and leases to core deposits | 85.4211% | 2,348 |
| Total domestic deposits to total assets | 87.9331% | 1,242 |
| Equity capital to assets | 9.6075% | 3,599 |
| Core capital (leverage) ratio | 8.7803% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8229% | 2,276 |
| Memoranda: | ||
| Average total assets | $3,851,376,000 | 293 |
| Average earning assets | $3,590,459,500 | 287 |
| Average equity | $377,049,250 | 305 |
| Average total loans | $2,872,568,250 | 271 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,355 |
| Cost of funding earning assets | 0.4405% | 3,842 |
| Net interest margin | 3.5480% | 2,644 |
| Noninterest income to average assets | 1.5912% | 409 |
| Noninterest expense to average assets | 2.9620% | 1,682 |
| Loan and lease loss provision to assets | 0.6359% | 477 |
| Net operating income to assets | 1.0430% | 2,176 |
| Return on assets (ROA) | 1.0539% | 2,263 |
| Pretax return on assets | 1.3065% | 2,010 |
| Return on Equity (ROE) | 10.6914% | 1,745 |
| Retained earnings to average equity (ytd only) | 2.0252% | 3,743 |
| Net charge-offs to loans | 0.2501% | 629 |
| Credit loss provision to net charge-offs | 334.8046% | 1,544 |
| Earnings coverage of net charge-offs (x) | 10.1563% | 2,172 |
| Efficiency ratio | 60.0052% | 3,412 |
| Assets per employee ($millions) | 4.4080% | 3,903 |
| Cash dividends to net income (ytd only)* | 81.0578% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,678 |
| Loan loss allowance to noncurrent loans | 266.5533% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 2,870 |
| Noncurrent loans to loans | 0.4385% | 2,842 |
| Net loans and leases to total assets | 72.1680% | 1,676 |
| Net loans and leases to deposits | 81.9279% | 2,215 |
| Net loans and leases to core deposits | 87.5215% | 2,300 |
| Total domestic deposits to total assets | 88.0872% | 1,130 |
| Equity capital to assets | 9.3559% | 3,777 |
| Core capital (leverage) ratio | 8.7559% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3249% | 2,475 |
| Memoranda: | ||
| Average total assets | $3,745,799,667 | 297 |
| Average earning assets | $3,483,690,000 | 291 |
| Average equity | $369,249,333 | 307 |
| Average total loans | $2,844,301,667 | 271 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,984 |
| Cost of funding earning assets | 0.5952% | 3,463 |
| Net interest margin | 3.6851% | 2,375 |
| Noninterest income to average assets | 1.1254% | 686 |
| Noninterest expense to average assets | 3.1453% | 1,534 |
| Loan and lease loss provision to assets | 0.7473% | 343 |
| Net operating income to assets | 0.5234% | 3,831 |
| Return on assets (ROA) | 0.5461% | 3,819 |
| Pretax return on assets | 0.6767% | 3,752 |
| Return on Equity (ROE) | 5.3862% | 3,510 |
| Retained earnings to average equity (ytd only) | -3.3861% | 4,395 |
| Net charge-offs to loans | 0.0536% | 1,473 |
| Credit loss provision to net charge-offs | 1,797.0588% | 368 |
| Earnings coverage of net charge-offs (x) | 33.5668% | 1,112 |
| Efficiency ratio | 68.6384% | 2,567 |
| Assets per employee ($millions) | 3.9345% | 4,016 |
| Cash dividends to net income (ytd only)* | 162.8664% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,838 |
| Loan loss allowance to noncurrent loans | 186.1751% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 2,430 |
| Noncurrent loans to loans | 0.6269% | 2,423 |
| Net loans and leases to total assets | 75.7728% | 1,340 |
| Net loans and leases to deposits | 88.4857% | 1,697 |
| Net loans and leases to core deposits | 95.4757% | 1,844 |
| Total domestic deposits to total assets | 85.6328% | 2,155 |
| Equity capital to assets | 9.9876% | 3,799 |
| Core capital (leverage) ratio | 9.3095% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9826% | 2,709 |
| Memoranda: | ||
| Average total assets | $3,597,621,500 | 298 |
| Average earning assets | $3,334,600,000 | 291 |
| Average equity | $364,783,000 | 309 |
| Average total loans | $2,790,631,000 | 270 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 2,403 |
| Cost of funding earning assets | 0.7652% | 2,849 |
| Net interest margin | 3.9096% | 2,140 |
| Noninterest income to average assets | 1.3256% | 542 |
| Noninterest expense to average assets | 3.2022% | 1,513 |
| Loan and lease loss provision to assets | 0.0238% | 3,540 |
| Net operating income to assets | 1.3822% | 1,404 |
| Return on assets (ROA) | 1.3894% | 1,453 |
| Pretax return on assets | 1.7246% | 1,129 |
| Return on Equity (ROE) | 13.5626% | 986 |
| Retained earnings to average equity (ytd only) | 5.3759% | 2,235 |
| Net charge-offs to loans | -0.0159% | 4,582 |
| Credit loss provision to net charge-offs | -188.9908% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1623% | 3,051 |
| Assets per employee ($millions) | 3.8610% | 4,082 |
| Cash dividends to net income (ytd only)* | 60.3626% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 3,815 |
| Loan loss allowance to noncurrent loans | 256.9071% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,088 |
| Noncurrent loans to loans | 0.3639% | 3,148 |
| Net loans and leases to total assets | 77.7534% | 1,119 |
| Net loans and leases to deposits | 90.2562% | 1,558 |
| Net loans and leases to core deposits | 99.0141% | 1,648 |
| Total domestic deposits to total assets | 86.1474% | 2,007 |
| Equity capital to assets | 10.2944% | 3,631 |
| Core capital (leverage) ratio | 9.4896% | 4,077 |
| Tier 1 risk-based capital ratio | 11.9639% | 4,383 |
| Total risk-based capital ratio | 12.9641% | 4,399 |
| Memoranda: | ||
| Average total assets | $3,457,818,400 | 293 |
| Average earning assets | $3,198,257,600 | 285 |
| Average equity | $354,230,800 | 308 |
| Average total loans | $2,749,952,000 | 268 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,335 |
| Cost of funding earning assets | 0.7872% | 2,777 |
| Net interest margin | 3.9398% | 2,134 |
| Noninterest income to average assets | 1.1913% | 647 |
| Noninterest expense to average assets | 3.1695% | 1,528 |
| Loan and lease loss provision to assets | 0.0406% | 3,093 |
| Net operating income to assets | 1.3015% | 1,857 |
| Return on assets (ROA) | 1.3110% | 1,888 |
| Pretax return on assets | 1.6356% | 1,512 |
| Return on Equity (ROE) | 12.8133% | 1,349 |
| Retained earnings to average equity (ytd only) | 4.8380% | 2,968 |
| Net charge-offs to loans | -0.0105% | 4,385 |
| Credit loss provision to net charge-offs | -486.0465% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9116% | 2,881 |
| Assets per employee ($millions) | 3.8585% | 4,089 |
| Cash dividends to net income (ytd only)* | 62.2425% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 3,972 |
| Loan loss allowance to noncurrent loans | 367.0410% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,571 |
| Noncurrent loans to loans | 0.2501% | 3,644 |
| Net loans and leases to total assets | 79.4956% | 913 |
| Net loans and leases to deposits | 91.3984% | 1,515 |
| Net loans and leases to core deposits | 100.3033% | 1,636 |
| Total domestic deposits to total assets | 86.9770% | 1,534 |
| Equity capital to assets | 10.1687% | 3,855 |
| Core capital (leverage) ratio | 9.4281% | 4,253 |
| Tier 1 risk-based capital ratio | 11.7528% | 4,544 |
| Total risk-based capital ratio | 12.7586% | 4,562 |
| Memoranda: | ||
| Average total assets | $3,431,349,500 | 296 |
| Average earning assets | $3,172,409,000 | 290 |
| Average equity | $351,073,250 | 314 |
| Average total loans | $2,738,179,750 | 271 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 2,216 |
| Cost of funding earning assets | 0.7826% | 2,727 |
| Net interest margin | 3.9694% | 2,018 |
| Noninterest income to average assets | 1.1150% | 686 |
| Noninterest expense to average assets | 3.1852% | 1,540 |
| Loan and lease loss provision to assets | 0.0776% | 2,260 |
| Net operating income to assets | 1.2234% | 2,060 |
| Return on assets (ROA) | 1.2378% | 2,068 |
| Pretax return on assets | 1.5403% | 1,729 |
| Return on Equity (ROE) | 12.0722% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.0210% | 3,241 |
| Net charge-offs to loans | 0.0223% | 2,403 |
| Credit loss provision to net charge-offs | 437.2093% | 664 |
| Earnings coverage of net charge-offs (x) | 90.1462% | 745 |
| Efficiency ratio | 65.8924% | 2,818 |
| Assets per employee ($millions) | 3.6683% | 4,286 |
| Cash dividends to net income (ytd only)* | 66.6921% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,942 |
| Loan loss allowance to noncurrent loans | 332.1749% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,444 |
| Noncurrent loans to loans | 0.2815% | 3,528 |
| Net loans and leases to total assets | 79.8508% | 899 |
| Net loans and leases to deposits | 91.1573% | 1,603 |
| Net loans and leases to core deposits | 116.2690% | 673 |
| Total domestic deposits to total assets | 87.5967% | 1,288 |
| Equity capital to assets | 10.3040% | 3,690 |
| Core capital (leverage) ratio | 9.5015% | 4,141 |
| Tier 1 risk-based capital ratio | 11.7970% | 4,523 |
| Total risk-based capital ratio | 12.8110% | 4,546 |
| Memoranda: | ||
| Average total assets | $3,391,859,670 | 299 |
| Average earning assets | $3,136,088,670 | 292 |
| Average equity | $347,774,670 | 317 |
| Average total loans | $2,701,540,670 | 274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 2,134 |
| Cost of funding earning assets | 0.7617% | 2,724 |
| Net interest margin | 3.9639% | 1,970 |
| Noninterest income to average assets | 1.0909% | 675 |
| Noninterest expense to average assets | 3.2640% | 1,358 |
| Loan and lease loss provision to assets | 0.0788% | 2,111 |
| Net operating income to assets | 1.1434% | 2,299 |
| Return on assets (ROA) | 1.1726% | 2,218 |
| Pretax return on assets | 1.4478% | 1,934 |
| Return on Equity (ROE) | 11.4656% | 1,754 |
| Retained earnings to average equity (ytd only) | 3.3397% | 3,582 |
| Net charge-offs to loans | 0.0447% | 1,633 |
| Credit loss provision to net charge-offs | 222.8188% | 984 |
| Earnings coverage of net charge-offs (x) | 42.1309% | 1,121 |
| Efficiency ratio | 67.9709% | 2,647 |
| Assets per employee ($millions) | 3.6844% | 4,361 |
| Cash dividends to net income (ytd only)* | 70.8717% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 3,971 |
| Loan loss allowance to noncurrent loans | 285.3882% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,418 |
| Noncurrent loans to loans | 0.3323% | 3,383 |
| Net loans and leases to total assets | 77.9948% | 1,151 |
| Net loans and leases to deposits | 88.5450% | 1,804 |
| Net loans and leases to core deposits | 109.6072% | 954 |
| Total domestic deposits to total assets | 88.0850% | 1,292 |
| Equity capital to assets | 10.2789% | 3,546 |
| Core capital (leverage) ratio | 9.4563% | 4,187 |
| Tier 1 risk-based capital ratio | 11.9447% | 4,490 |
| Total risk-based capital ratio | 12.9600% | 4,512 |
| Memoranda: | ||
| Average total assets | $3,369,213,500 | 302 |
| Average earning assets | $3,114,023,500 | 294 |
| Average equity | $344,579,500 | 323 |
| Average total loans | $2,667,063,000 | 278 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 2,085 |
| Cost of funding earning assets | 0.5525% | 3,030 |
| Net interest margin | 4.0666% | 1,780 |
| Noninterest income to average assets | 1.4235% | 450 |
| Noninterest expense to average assets | 3.4569% | 1,057 |
| Loan and lease loss provision to assets | 0.0487% | 3,209 |
| Net operating income to assets | 1.3505% | 1,616 |
| Return on assets (ROA) | 1.3504% | 1,601 |
| Pretax return on assets | 1.6673% | 1,258 |
| Return on Equity (ROE) | 13.2400% | 1,255 |
| Retained earnings to average equity (ytd only) | 2.6015% | 4,098 |
| Net charge-offs to loans | -0.0333% | 4,849 |
| Credit loss provision to net charge-offs | -188.3459% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2182% | 2,836 |
| Assets per employee ($millions) | 3.7003% | 4,315 |
| Cash dividends to net income (ytd only)* | 80.3511% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,036 |
| Loan loss allowance to noncurrent loans | 275.4926% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 3,354 |
| Noncurrent loans to loans | 0.3382% | 3,335 |
| Net loans and leases to total assets | 78.8398% | 1,132 |
| Net loans and leases to deposits | 89.4550% | 1,870 |
| Net loans and leases to core deposits | 109.9795% | 1,005 |
| Total domestic deposits to total assets | 88.1335% | 1,243 |
| Equity capital to assets | 10.1753% | 3,496 |
| Core capital (leverage) ratio | 9.4414% | 4,182 |
| Tier 1 risk-based capital ratio | 11.9371% | 4,468 |
| Total risk-based capital ratio | 12.9419% | 4,509 |
| Memoranda: | ||
| Average total assets | $3,087,485,000 | 314 |
| Average earning assets | $2,846,770,600 | 309 |
| Average equity | $314,894,800 | 332 |
| Average total loans | $2,394,887,000 | 297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 2,136 |
| Cost of funding earning assets | 0.4994% | 3,205 |
| Net interest margin | 4.0475% | 1,799 |
| Noninterest income to average assets | 1.5670% | 396 |
| Noninterest expense to average assets | 3.5375% | 936 |
| Loan and lease loss provision to assets | 0.0403% | 3,198 |
| Net operating income to assets | 1.3907% | 1,523 |
| Return on assets (ROA) | 1.3830% | 1,550 |
| Pretax return on assets | 1.7092% | 1,260 |
| Return on Equity (ROE) | 13.5512% | 1,249 |
| Retained earnings to average equity (ytd only) | 4.2515% | 3,648 |
| Net charge-offs to loans | -0.0517% | 4,941 |
| Credit loss provision to net charge-offs | -101.1086% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2263% | 2,825 |
| Assets per employee ($millions) | 3.6369% | 4,385 |
| Cash dividends to net income (ytd only)* | 68.6265% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,110 |
| Loan loss allowance to noncurrent loans | 261.1688% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,382 |
| Noncurrent loans to loans | 0.3586% | 3,363 |
| Net loans and leases to total assets | 78.4151% | 1,271 |
| Net loans and leases to deposits | 90.7596% | 1,799 |
| Net loans and leases to core deposits | 105.9145% | 1,316 |
| Total domestic deposits to total assets | 86.3987% | 2,016 |
| Equity capital to assets | 10.4319% | 3,204 |
| Core capital (leverage) ratio | 9.7335% | 3,916 |
| Tier 1 risk-based capital ratio | 12.1880% | 4,388 |
| Total risk-based capital ratio | 13.1837% | 4,417 |
| Memoranda: | ||
| Average total assets | $3,020,324,000 | 319 |
| Average earning assets | $2,783,023,250 | 313 |
| Average equity | $308,244,500 | 335 |
| Average total loans | $2,325,895,250 | 301 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 2,226 |
| Cost of funding earning assets | 0.4547% | 3,321 |
| Net interest margin | 4.0041% | 1,843 |
| Noninterest income to average assets | 1.6197% | 381 |
| Noninterest expense to average assets | 3.6470% | 824 |
| Loan and lease loss provision to assets | 0.0659% | 2,584 |
| Net operating income to assets | 1.3025% | 1,766 |
| Return on assets (ROA) | 1.2935% | 1,787 |
| Pretax return on assets | 1.5894% | 1,532 |
| Return on Equity (ROE) | 12.7800% | 1,450 |
| Retained earnings to average equity (ytd only) | 6.3728% | 2,373 |
| Net charge-offs to loans | 0.0043% | 3,022 |
| Credit loss provision to net charge-offs | 2,010.4167% | 211 |
| Earnings coverage of net charge-offs (x) | 508.6250% | 174 |
| Efficiency ratio | 68.1470% | 2,618 |
| Assets per employee ($millions) | 3.4878% | 4,613 |
| Cash dividends to net income (ytd only)* | 50.1346% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,213 |
| Loan loss allowance to noncurrent loans | 258.7976% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,424 |
| Noncurrent loans to loans | 0.3587% | 3,410 |
| Net loans and leases to total assets | 77.7599% | 1,353 |
| Net loans and leases to deposits | 88.9452% | 1,990 |
| Net loans and leases to core deposits | 103.3541% | 1,448 |
| Total domestic deposits to total assets | 87.4245% | 1,676 |
| Equity capital to assets | 10.6473% | 2,971 |
| Core capital (leverage) ratio | 9.9349% | 3,654 |
| Tier 1 risk-based capital ratio | 12.5324% | 4,163 |
| Total risk-based capital ratio | 13.5223% | 4,202 |
| Memoranda: | ||
| Average total assets | $2,929,981,670 | 322 |
| Average earning assets | $2,702,904,000 | 315 |
| Average equity | $296,542,330 | 340 |
| Average total loans | $2,232,754,330 | 309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,898 |
| Cost of funding earning assets | 0.3887% | 3,670 |
| Net interest margin | 3.8072% | 2,400 |
| Noninterest income to average assets | 1.6976% | 349 |
| Noninterest expense to average assets | 3.4477% | 1,087 |
| Loan and lease loss provision to assets | 0.0453% | 2,859 |
| Net operating income to assets | 1.4105% | 1,317 |
| Return on assets (ROA) | 1.3901% | 1,378 |
| Pretax return on assets | 1.6974% | 1,123 |
| Return on Equity (ROE) | 14.1623% | 973 |
| Retained earnings to average equity (ytd only) | 14.1623% | 397 |
| Net charge-offs to loans | -0.0325% | 4,778 |
| Credit loss provision to net charge-offs | -186.3905% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8708% | 3,188 |
| Assets per employee ($millions) | 3.3824% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,415 |
| Loan loss allowance to noncurrent loans | 348.0314% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 3,684 |
| Noncurrent loans to loans | 0.3147% | 3,639 |
| Net loans and leases to total assets | 74.8438% | 1,737 |
| Net loans and leases to deposits | 84.7260% | 2,316 |
| Net loans and leases to core deposits | 95.4356% | 2,019 |
| Total domestic deposits to total assets | 88.3363% | 1,437 |
| Equity capital to assets | 9.9380% | 3,652 |
| Core capital (leverage) ratio | 10.0066% | 3,531 |
| Tier 1 risk-based capital ratio | 13.2463% | 3,816 |
| Total risk-based capital ratio | 14.3979% | 3,781 |
| Memoranda: | ||
| Average total assets | $2,781,881,000 | 340 |
| Average earning assets | $2,570,394,000 | 333 |
| Average equity | $273,063,500 | 356 |
| Average total loans | $2,083,041,000 | 322 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,187 |
| Cost of funding earning assets | 0.3201% | 3,951 |
| Net interest margin | 3.7455% | 2,622 |
| Noninterest income to average assets | 1.5619% | 431 |
| Noninterest expense to average assets | 3.4424% | 1,134 |
| Loan and lease loss provision to assets | 0.0451% | 3,340 |
| Net operating income to assets | 0.8962% | 2,732 |
| Return on assets (ROA) | 0.9014% | 2,734 |
| Pretax return on assets | 1.5159% | 1,577 |
| Return on Equity (ROE) | 9.0505% | 2,292 |
| Retained earnings to average equity (ytd only) | 3.0105% | 3,496 |
| Net charge-offs to loans | -0.0619% | 5,241 |
| Credit loss provision to net charge-offs | -103.8995% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6522% | 2,764 |
| Assets per employee ($millions) | 3.3017% | 4,935 |
| Cash dividends to net income (ytd only)* | 66.7362% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,375 |
| Loan loss allowance to noncurrent loans | 275.9897% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,454 |
| Noncurrent loans to loans | 0.3974% | 3,334 |
| Net loans and leases to total assets | 73.2716% | 2,052 |
| Net loans and leases to deposits | 83.7710% | 2,516 |
| Net loans and leases to core deposits | 95.1209% | 2,105 |
| Total domestic deposits to total assets | 87.4665% | 1,783 |
| Equity capital to assets | 9.6934% | 4,036 |
| Core capital (leverage) ratio | 9.7753% | 3,721 |
| Tier 1 risk-based capital ratio | 12.9456% | 3,937 |
| Total risk-based capital ratio | 14.0975% | 3,899 |
| Memoranda: | ||
| Average total assets | $2,659,768,200 | 330 |
| Average earning assets | $2,438,123,400 | 330 |
| Average equity | $264,902,000 | 352 |
| Average total loans | $1,864,190,200 | 328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,220 |
| Cost of funding earning assets | 0.3013% | 4,111 |
| Net interest margin | 3.7370% | 2,631 |
| Noninterest income to average assets | 1.5125% | 473 |
| Noninterest expense to average assets | 3.4510% | 1,068 |
| Loan and lease loss provision to assets | 0.0409% | 3,290 |
| Net operating income to assets | 0.9891% | 2,604 |
| Return on assets (ROA) | 0.9934% | 2,635 |
| Pretax return on assets | 1.4470% | 1,954 |
| Return on Equity (ROE) | 9.9048% | 2,177 |
| Retained earnings to average equity (ytd only) | 1.8168% | 4,702 |
| Net charge-offs to loans | -0.0322% | 5,020 |
| Credit loss provision to net charge-offs | -184.0183% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6966% | 2,582 |
| Assets per employee ($millions) | 3.2199% | 5,046 |
| Cash dividends to net income (ytd only)* | 81.6577% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,591 |
| Loan loss allowance to noncurrent loans | 255.3864% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 3,499 |
| Noncurrent loans to loans | 0.4236% | 3,430 |
| Net loans and leases to total assets | 71.5916% | 2,319 |
| Net loans and leases to deposits | 82.6256% | 2,705 |
| Net loans and leases to core deposits | 93.2280% | 2,328 |
| Total domestic deposits to total assets | 86.6458% | 2,021 |
| Equity capital to assets | 9.7473% | 4,197 |
| Core capital (leverage) ratio | 9.6716% | 3,965 |
| Tier 1 risk-based capital ratio | 12.7621% | 4,163 |
| Total risk-based capital ratio | 13.8698% | 4,151 |
| Memoranda: | ||
| Average total assets | $2,629,700,000 | 335 |
| Average earning assets | $2,406,677,000 | 334 |
| Average equity | $263,757,250 | 356 |
| Average total loans | $1,815,345,750 | 339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,230 |
| Cost of funding earning assets | 0.2804% | 4,283 |
| Net interest margin | 3.7127% | 2,610 |
| Noninterest income to average assets | 1.5387% | 459 |
| Noninterest expense to average assets | 3.5324% | 961 |
| Loan and lease loss provision to assets | 0.0173% | 3,616 |
| Net operating income to assets | 0.9534% | 2,641 |
| Return on assets (ROA) | 0.9596% | 2,668 |
| Pretax return on assets | 1.3922% | 2,054 |
| Return on Equity (ROE) | 9.4736% | 2,287 |
| Retained earnings to average equity (ytd only) | 1.8557% | 4,503 |
| Net charge-offs to loans | -0.0146% | 4,654 |
| Credit loss provision to net charge-offs | -175.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3383% | 2,463 |
| Assets per employee ($millions) | 3.1070% | 5,184 |
| Cash dividends to net income (ytd only)* | 80.4117% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,537 |
| Loan loss allowance to noncurrent loans | 240.9974% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,470 |
| Noncurrent loans to loans | 0.4598% | 3,367 |
| Net loans and leases to total assets | 69.2349% | 2,628 |
| Net loans and leases to deposits | 80.6441% | 2,843 |
| Net loans and leases to core deposits | 88.8492% | 2,629 |
| Total domestic deposits to total assets | 85.8525% | 2,444 |
| Equity capital to assets | 10.0285% | 3,882 |
| Core capital (leverage) ratio | 9.9288% | 3,617 |
| Tier 1 risk-based capital ratio | 13.2609% | 3,831 |
| Total risk-based capital ratio | 14.3736% | 3,839 |
| Memoranda: | ||
| Average total assets | $2,591,808,670 | 344 |
| Average earning assets | $2,369,430,000 | 342 |
| Average equity | $262,541,000 | 358 |
| Average total loans | $1,758,626,330 | 344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 2,919 |
| Cost of funding earning assets | 0.2751% | 4,302 |
| Net interest margin | 3.7585% | 2,267 |
| Noninterest income to average assets | 1.5677% | 454 |
| Noninterest expense to average assets | 3.6510% | 828 |
| Loan and lease loss provision to assets | -0.0561% | 5,720 |
| Net operating income to assets | 0.9693% | 2,440 |
| Return on assets (ROA) | 0.9807% | 2,436 |
| Pretax return on assets | 1.4182% | 1,829 |
| Return on Equity (ROE) | 9.6317% | 2,126 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,346 |
| Net charge-offs to loans | -0.0381% | 5,048 |
| Credit loss provision to net charge-offs | 220.2454% | 954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7986% | 2,444 |
| Assets per employee ($millions) | 3.0954% | 5,274 |
| Cash dividends to net income (ytd only)* | 79.6305% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,411 |
| Loan loss allowance to noncurrent loans | 222.2986% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 3,037 |
| Noncurrent loans to loans | 0.5176% | 3,264 |
| Net loans and leases to total assets | 66.6080% | 2,881 |
| Net loans and leases to deposits | 75.2667% | 3,275 |
| Net loans and leases to core deposits | 83.0008% | 2,995 |
| Total domestic deposits to total assets | 88.4959% | 1,427 |
| Equity capital to assets | 10.1643% | 3,553 |
| Core capital (leverage) ratio | 9.9607% | 3,552 |
| Tier 1 risk-based capital ratio | 13.6486% | 3,686 |
| Total risk-based capital ratio | 14.7705% | 3,677 |
| Memoranda: | ||
| Average total assets | $2,561,025,500 | 349 |
| Average earning assets | $2,336,489,000 | 350 |
| Average equity | $260,765,000 | 360 |
| Average total loans | $1,709,115,500 | 350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,606 |
| Cost of funding earning assets | 0.2557% | 4,514 |
| Net interest margin | 3.6332% | 2,947 |
| Noninterest income to average assets | 1.6495% | 437 |
| Noninterest expense to average assets | 3.6149% | 993 |
| Loan and lease loss provision to assets | -0.0529% | 5,598 |
| Net operating income to assets | 0.9511% | 2,580 |
| Return on assets (ROA) | 0.9595% | 2,646 |
| Pretax return on assets | 1.3950% | 1,960 |
| Return on Equity (ROE) | 9.2289% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.2863% | 1,121 |
| Net charge-offs to loans | 0.0638% | 2,785 |
| Credit loss provision to net charge-offs | -127.4586% | 4,930 |
| Earnings coverage of net charge-offs (x) | 32.0613% | 1,371 |
| Efficiency ratio | 72.8205% | 2,454 |
| Assets per employee ($millions) | 3.0315% | 5,325 |
| Cash dividends to net income (ytd only)* | 21.0491% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,080 |
| Loan loss allowance to noncurrent loans | 151.4068% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 2,564 |
| Noncurrent loans to loans | 0.7971% | 2,521 |
| Net loans and leases to total assets | 65.2784% | 3,180 |
| Net loans and leases to deposits | 73.7706% | 3,537 |
| Net loans and leases to core deposits | 81.7156% | 3,232 |
| Total domestic deposits to total assets | 88.4884% | 1,384 |
| Equity capital to assets | 10.2002% | 3,490 |
| Core capital (leverage) ratio | 9.8980% | 3,627 |
| Tier 1 risk-based capital ratio | 13.8658% | 3,540 |
| Total risk-based capital ratio | 15.0242% | 3,501 |
| Memoranda: | ||
| Average total assets | $2,475,783,400 | 343 |
| Average earning assets | $2,245,495,400 | 341 |
| Average equity | $257,388,000 | 352 |
| Average total loans | $1,609,692,200 | 354 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,637 |
| Cost of funding earning assets | 0.2475% | 4,624 |
| Net interest margin | 3.6368% | 2,936 |
| Noninterest income to average assets | 1.5167% | 531 |
| Noninterest expense to average assets | 3.5182% | 1,117 |
| Loan and lease loss provision to assets | -0.0780% | 5,764 |
| Net operating income to assets | 0.9431% | 2,686 |
| Return on assets (ROA) | 0.9542% | 2,777 |
| Pretax return on assets | 1.3890% | 2,073 |
| Return on Equity (ROE) | 9.1343% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.1343% | 779 |
| Net charge-offs to loans | -0.0763% | 5,491 |
| Credit loss provision to net charge-offs | 157.7851% | 1,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8036% | 2,461 |
| Assets per employee ($millions) | 3.1864% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,495 |
| Loan loss allowance to noncurrent loans | 204.0830% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 3,045 |
| Noncurrent loans to loans | 0.6562% | 3,058 |
| Net loans and leases to total assets | 64.2698% | 3,359 |
| Net loans and leases to deposits | 72.9645% | 3,708 |
| Net loans and leases to core deposits | 80.0152% | 3,443 |
| Total domestic deposits to total assets | 88.0836% | 1,361 |
| Equity capital to assets | 10.4385% | 3,621 |
| Core capital (leverage) ratio | 10.0948% | 3,449 |
| Tier 1 risk-based capital ratio | 14.1377% | 3,487 |
| Total risk-based capital ratio | 15.3917% | 3,412 |
| Memoranda: | ||
| Average total assets | $2,460,391,500 | 343 |
| Average earning assets | $2,230,067,750 | 342 |
| Average equity | $257,031,500 | 355 |
| Average total loans | $1,592,971,000 | 355 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 3,627 |
| Cost of funding earning assets | 0.2430% | 4,727 |
| Net interest margin | 3.6516% | 2,889 |
| Noninterest income to average assets | 1.3764% | 605 |
| Noninterest expense to average assets | 3.5104% | 1,151 |
| Loan and lease loss provision to assets | -0.1037% | 5,880 |
| Net operating income to assets | 0.8833% | 2,947 |
| Return on assets (ROA) | 0.8993% | 3,000 |
| Pretax return on assets | 1.3001% | 2,410 |
| Return on Equity (ROE) | 8.6064% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.6064% | 971 |
| Net charge-offs to loans | -0.1785% | 5,790 |
| Credit loss provision to net charge-offs | 89.9004% | 2,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6458% | 2,267 |
| Assets per employee ($millions) | 3.1339% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 2,264 |
| Loan loss allowance to noncurrent loans | 208.4243% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,987 |
| Noncurrent loans to loans | 0.6750% | 3,044 |
| Net loans and leases to total assets | 65.1972% | 3,200 |
| Net loans and leases to deposits | 73.9566% | 3,600 |
| Net loans and leases to core deposits | 80.6662% | 3,396 |
| Total domestic deposits to total assets | 88.1560% | 1,349 |
| Equity capital to assets | 10.5210% | 3,612 |
| Core capital (leverage) ratio | 9.8715% | 3,721 |
| Tier 1 risk-based capital ratio | 13.8686% | 3,686 |
| Total risk-based capital ratio | 15.1239% | 3,598 |
| Memoranda: | ||
| Average total assets | $2,438,246,330 | 344 |
| Average earning assets | $2,208,282,000 | 344 |
| Average equity | $254,788,000 | 357 |
| Average total loans | $1,575,284,670 | 358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,524 |
| Cost of funding earning assets | 0.2399% | 4,806 |
| Net interest margin | 3.6770% | 2,773 |
| Noninterest income to average assets | 1.2261% | 716 |
| Noninterest expense to average assets | 3.5925% | 1,030 |
| Loan and lease loss provision to assets | -0.0870% | 5,977 |
| Net operating income to assets | 0.7002% | 3,711 |
| Return on assets (ROA) | 0.7193% | 3,731 |
| Pretax return on assets | 1.0675% | 3,211 |
| Return on Equity (ROE) | 6.9074% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.9074% | 1,928 |
| Net charge-offs to loans | -0.1170% | 5,697 |
| Credit loss provision to net charge-offs | 116.4835% | 1,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7386% | 1,794 |
| Assets per employee ($millions) | 3.1780% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 2,270 |
| Loan loss allowance to noncurrent loans | 212.7790% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 2,982 |
| Noncurrent loans to loans | 0.6744% | 3,153 |
| Net loans and leases to total assets | 62.4081% | 3,468 |
| Net loans and leases to deposits | 70.9574% | 3,758 |
| Net loans and leases to core deposits | 77.8098% | 3,509 |
| Total domestic deposits to total assets | 87.9515% | 1,666 |
| Equity capital to assets | 10.0000% | 4,085 |
| Core capital (leverage) ratio | 9.6139% | 4,021 |
| Tier 1 risk-based capital ratio | 13.5721% | 3,937 |
| Total risk-based capital ratio | 14.8281% | 3,867 |
| Memoranda: | ||
| Average total assets | $2,436,720,500 | 346 |
| Average earning assets | $2,199,087,000 | 343 |
| Average equity | $253,757,000 | 354 |
| Average total loans | $1,555,742,500 | 361 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,593 |
| Cost of funding earning assets | 0.2364% | 4,933 |
| Net interest margin | 3.6959% | 2,762 |
| Noninterest income to average assets | 1.6995% | 451 |
| Noninterest expense to average assets | 3.7901% | 875 |
| Loan and lease loss provision to assets | -0.1168% | 5,877 |
| Net operating income to assets | 0.9024% | 2,856 |
| Return on assets (ROA) | 0.9046% | 2,929 |
| Pretax return on assets | 1.3324% | 2,155 |
| Return on Equity (ROE) | 8.2885% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.2885% | 826 |
| Net charge-offs to loans | 0.0476% | 3,252 |
| Credit loss provision to net charge-offs | -384.4193% | 5,394 |
| Earnings coverage of net charge-offs (x) | 39.8924% | 1,184 |
| Efficiency ratio | 75.4662% | 2,360 |
| Assets per employee ($millions) | 3.0275% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,172 |
| Loan loss allowance to noncurrent loans | 210.4821% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 2,831 |
| Noncurrent loans to loans | 0.6945% | 3,112 |
| Net loans and leases to total assets | 63.4506% | 3,353 |
| Net loans and leases to deposits | 72.2107% | 3,694 |
| Net loans and leases to core deposits | 78.3692% | 3,503 |
| Total domestic deposits to total assets | 87.8687% | 1,704 |
| Equity capital to assets | 10.8412% | 2,986 |
| Core capital (leverage) ratio | 10.2339% | 3,215 |
| Tier 1 risk-based capital ratio | 14.4325% | 3,477 |
| Total risk-based capital ratio | 15.6924% | 3,383 |
| Memoranda: | ||
| Average total assets | $2,323,102,600 | 340 |
| Average earning assets | $2,076,053,600 | 345 |
| Average equity | $253,544,400 | 343 |
| Average total loans | $1,481,727,400 | 355 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 3,659 |
| Cost of funding earning assets | 0.2361% | 5,027 |
| Net interest margin | 3.6890% | 2,811 |
| Noninterest income to average assets | 1.7117% | 452 |
| Noninterest expense to average assets | 3.7796% | 874 |
| Loan and lease loss provision to assets | -0.0600% | 5,935 |
| Net operating income to assets | 0.8757% | 3,059 |
| Return on assets (ROA) | 0.8786% | 3,131 |
| Pretax return on assets | 1.2901% | 2,431 |
| Return on Equity (ROE) | 8.0365% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.0365% | 1,230 |
| Net charge-offs to loans | 0.0317% | 3,291 |
| Credit loss provision to net charge-offs | -297.1347% | 5,263 |
| Earnings coverage of net charge-offs (x) | 60.7022% | 917 |
| Efficiency ratio | 75.2110% | 2,368 |
| Assets per employee ($millions) | 3.0249% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 1,619 |
| Loan loss allowance to noncurrent loans | 155.3871% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 2,812 |
| Noncurrent loans to loans | 1.0597% | 2,361 |
| Net loans and leases to total assets | 61.6514% | 3,657 |
| Net loans and leases to deposits | 70.3610% | 3,939 |
| Net loans and leases to core deposits | 76.3842% | 3,759 |
| Total domestic deposits to total assets | 87.6215% | 1,736 |
| Equity capital to assets | 10.7255% | 3,329 |
| Core capital (leverage) ratio | 10.1901% | 3,387 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,656 |
| Total risk-based capital ratio | 15.6085% | 3,567 |
| Memoranda: | ||
| Average total assets | $2,304,434,750 | 347 |
| Average earning assets | $2,057,461,000 | 350 |
| Average equity | $251,943,750 | 354 |
| Average total loans | $1,466,166,000 | 360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,502 |
| Cost of funding earning assets | 0.2394% | 5,060 |
| Net interest margin | 3.7075% | 2,677 |
| Noninterest income to average assets | 1.7284% | 453 |
| Noninterest expense to average assets | 3.8272% | 840 |
| Loan and lease loss provision to assets | -0.0696% | 6,052 |
| Net operating income to assets | 0.8646% | 3,063 |
| Return on assets (ROA) | 0.8691% | 3,146 |
| Pretax return on assets | 1.2809% | 2,432 |
| Return on Equity (ROE) | 7.8969% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.8969% | 1,309 |
| Net charge-offs to loans | 0.0839% | 2,204 |
| Credit loss provision to net charge-offs | -129.7872% | 4,942 |
| Earnings coverage of net charge-offs (x) | 22.4583% | 1,642 |
| Efficiency ratio | 75.7546% | 2,407 |
| Assets per employee ($millions) | 2.9128% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,713 |
| Loan loss allowance to noncurrent loans | 199.2867% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 3,178 |
| Noncurrent loans to loans | 0.8330% | 3,039 |
| Net loans and leases to total assets | 63.9368% | 3,271 |
| Net loans and leases to deposits | 72.8670% | 3,634 |
| Net loans and leases to core deposits | 77.0705% | 3,658 |
| Total domestic deposits to total assets | 87.7445% | 1,771 |
| Equity capital to assets | 10.9525% | 2,935 |
| Core capital (leverage) ratio | 9.9881% | 3,622 |
| Tier 1 risk-based capital ratio | 14.1810% | 3,825 |
| Total risk-based capital ratio | 15.4456% | 3,743 |
| Memoranda: | ||
| Average total assets | $2,278,030,670 | 348 |
| Average earning assets | $2,029,775,000 | 356 |
| Average equity | $250,705,330 | 356 |
| Average total loans | $1,456,836,000 | 360 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,631 |
| Cost of funding earning assets | 0.2437% | 5,088 |
| Net interest margin | 3.6530% | 2,801 |
| Noninterest income to average assets | 1.5374% | 518 |
| Noninterest expense to average assets | 3.8656% | 809 |
| Loan and lease loss provision to assets | -0.1157% | 6,216 |
| Net operating income to assets | 0.7006% | 3,795 |
| Return on assets (ROA) | 0.7095% | 3,877 |
| Pretax return on assets | 1.0479% | 3,306 |
| Return on Equity (ROE) | 6.4317% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.4317% | 2,270 |
| Net charge-offs to loans | 0.1805% | 1,208 |
| Credit loss provision to net charge-offs | -101.0736% | 4,503 |
| Earnings coverage of net charge-offs (x) | 8.0276% | 2,117 |
| Efficiency ratio | 80.4734% | 1,833 |
| Assets per employee ($millions) | 2.9162% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 1,746 |
| Loan loss allowance to noncurrent loans | 166.8966% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 2,882 |
| Noncurrent loans to loans | 1.0166% | 2,732 |
| Net loans and leases to total assets | 61.6777% | 3,424 |
| Net loans and leases to deposits | 70.0823% | 3,740 |
| Net loans and leases to core deposits | 74.2103% | 3,762 |
| Total domestic deposits to total assets | 88.0076% | 1,814 |
| Equity capital to assets | 10.5595% | 3,473 |
| Core capital (leverage) ratio | 9.6998% | 4,013 |
| Tier 1 risk-based capital ratio | 13.8513% | 4,115 |
| Total risk-based capital ratio | 15.1175% | 4,030 |
| Memoranda: | ||
| Average total assets | $2,278,137,000 | 347 |
| Average earning assets | $2,025,094,000 | 351 |
| Average equity | $251,319,500 | 351 |
| Average total loans | $1,444,779,000 | 358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,023 |
| Cost of funding earning assets | 0.3027% | 4,766 |
| Net interest margin | 3.8729% | 2,347 |
| Noninterest income to average assets | 1.6786% | 452 |
| Noninterest expense to average assets | 4.0409% | 720 |
| Loan and lease loss provision to assets | -0.1409% | 6,217 |
| Net operating income to assets | 0.8398% | 3,178 |
| Return on assets (ROA) | 0.8501% | 3,214 |
| Pretax return on assets | 1.1867% | 2,710 |
| Return on Equity (ROE) | 7.4774% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.4774% | 1,205 |
| Net charge-offs to loans | 0.2275% | 1,852 |
| Credit loss provision to net charge-offs | -98.0306% | 5,520 |
| Earnings coverage of net charge-offs (x) | 7.1741% | 3,074 |
| Efficiency ratio | 79.1907% | 2,038 |
| Assets per employee ($millions) | 2.7292% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 1,511 |
| Loan loss allowance to noncurrent loans | 170.5604% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 2,825 |
| Noncurrent loans to loans | 1.0619% | 2,702 |
| Net loans and leases to total assets | 62.9594% | 3,367 |
| Net loans and leases to deposits | 72.3745% | 3,633 |
| Net loans and leases to core deposits | 77.1403% | 3,598 |
| Total domestic deposits to total assets | 86.9911% | 2,297 |
| Equity capital to assets | 11.5211% | 2,416 |
| Core capital (leverage) ratio | 10.4627% | 2,990 |
| Tier 1 risk-based capital ratio | 15.6328% | 3,170 |
| Total risk-based capital ratio | 16.8952% | 3,088 |
| Memoranda: | ||
| Average total assets | $2,225,072,200 | 337 |
| Average earning assets | $1,949,739,000 | 348 |
| Average equity | $252,977,200 | 331 |
| Average total loans | $1,406,240,200 | 348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 2,942 |
| Cost of funding earning assets | 0.3081% | 4,805 |
| Net interest margin | 3.9058% | 2,212 |
| Noninterest income to average assets | 1.7432% | 427 |
| Noninterest expense to average assets | 4.0227% | 735 |
| Loan and lease loss provision to assets | -0.1230% | 6,312 |
| Net operating income to assets | 0.8924% | 2,946 |
| Return on assets (ROA) | 0.8972% | 3,017 |
| Pretax return on assets | 1.2637% | 2,523 |
| Return on Equity (ROE) | 7.9183% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.9183% | 1,403 |
| Net charge-offs to loans | 0.2638% | 1,479 |
| Credit loss provision to net charge-offs | -74.0246% | 5,401 |
| Earnings coverage of net charge-offs (x) | 6.8266% | 3,019 |
| Efficiency ratio | 77.5427% | 2,258 |
| Assets per employee ($millions) | 2.7008% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 1,385 |
| Loan loss allowance to noncurrent loans | 156.8033% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 2,526 |
| Noncurrent loans to loans | 1.2332% | 2,574 |
| Net loans and leases to total assets | 62.9905% | 3,341 |
| Net loans and leases to deposits | 72.4701% | 3,636 |
| Net loans and leases to core deposits | 77.2986% | 3,607 |
| Total domestic deposits to total assets | 86.9193% | 2,365 |
| Equity capital to assets | 11.4427% | 2,540 |
| Core capital (leverage) ratio | 10.2060% | 3,405 |
| Tier 1 risk-based capital ratio | 15.3098% | 3,419 |
| Total risk-based capital ratio | 16.5737% | 3,350 |
| Memoranda: | ||
| Average total assets | $2,221,861,750 | 335 |
| Average earning assets | $1,941,771,500 | 343 |
| Average equity | $251,763,500 | 329 |
| Average total loans | $1,399,058,500 | 345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,830 |
| Cost of funding earning assets | 0.3104% | 4,871 |
| Net interest margin | 3.9236% | 2,075 |
| Noninterest income to average assets | 1.6805% | 458 |
| Noninterest expense to average assets | 4.0298% | 735 |
| Loan and lease loss provision to assets | -0.1274% | 6,405 |
| Net operating income to assets | 0.8758% | 2,929 |
| Return on assets (ROA) | 0.8759% | 3,016 |
| Pretax return on assets | 1.2007% | 2,667 |
| Return on Equity (ROE) | 7.7552% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.7552% | 1,411 |
| Net charge-offs to loans | 0.3897% | 1,037 |
| Credit loss provision to net charge-offs | -52.2685% | 5,174 |
| Earnings coverage of net charge-offs (x) | 4.4021% | 3,113 |
| Efficiency ratio | 78.4987% | 2,228 |
| Assets per employee ($millions) | 2.7066% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 1,337 |
| Loan loss allowance to noncurrent loans | 162.5843% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.5862% | 2,063 |
| Noncurrent loans to loans | 1.2377% | 2,752 |
| Net loans and leases to total assets | 61.7146% | 3,450 |
| Net loans and leases to deposits | 70.7323% | 3,730 |
| Net loans and leases to core deposits | 75.7340% | 3,649 |
| Total domestic deposits to total assets | 87.2510% | 2,322 |
| Equity capital to assets | 11.1467% | 2,735 |
| Core capital (leverage) ratio | 9.9054% | 3,735 |
| Tier 1 risk-based capital ratio | 15.0652% | 3,600 |
| Total risk-based capital ratio | 16.3301% | 3,532 |
| Memoranda: | ||
| Average total assets | $2,224,252,000 | 327 |
| Average earning assets | $1,940,103,000 | 338 |
| Average equity | $251,211,330 | 322 |
| Average total loans | $1,391,227,330 | 341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,787 |
| Cost of funding earning assets | 0.3130% | 4,941 |
| Net interest margin | 3.9098% | 2,057 |
| Noninterest income to average assets | 1.5936% | 479 |
| Noninterest expense to average assets | 4.0218% | 737 |
| Loan and lease loss provision to assets | 0.0770% | 2,603 |
| Net operating income to assets | 0.6160% | 4,120 |
| Return on assets (ROA) | 0.6160% | 4,196 |
| Pretax return on assets | 0.9054% | 3,679 |
| Return on Equity (ROE) | 5.4189% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4189% | 2,842 |
| Net charge-offs to loans | 0.6683% | 551 |
| Credit loss provision to net charge-offs | 18.4801% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.3584% | 2,895 |
| Efficiency ratio | 79.8871% | 2,226 |
| Assets per employee ($millions) | 2.7290% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 1,142 |
| Loan loss allowance to noncurrent loans | 146.1490% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7179% | 2,053 |
| Noncurrent loans to loans | 1.5134% | 2,526 |
| Net loans and leases to total assets | 59.8395% | 3,585 |
| Net loans and leases to deposits | 68.7526% | 3,767 |
| Net loans and leases to core deposits | 73.3913% | 3,717 |
| Total domestic deposits to total assets | 87.0360% | 2,788 |
| Equity capital to assets | 11.3546% | 2,372 |
| Core capital (leverage) ratio | 10.2320% | 3,246 |
| Tier 1 risk-based capital ratio | 15.7825% | 3,283 |
| Total risk-based capital ratio | 17.0502% | 3,232 |
| Memoranda: | ||
| Average total assets | $2,223,963,000 | 330 |
| Average earning assets | $1,940,063,000 | 342 |
| Average equity | $252,819,500 | 321 |
| Average total loans | $1,386,220,000 | 340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 1,412 |
| Cost of funding earning assets | 0.3701% | 4,955 |
| Net interest margin | 4.3889% | 931 |
| Noninterest income to average assets | 2.0608% | 376 |
| Noninterest expense to average assets | 4.8123% | 402 |
| Loan and lease loss provision to assets | -0.1878% | 6,584 |
| Net operating income to assets | 3.4151% | 83 |
| Return on assets (ROA) | 3.4142% | 82 |
| Pretax return on assets | 1.2578% | 2,325 |
| Return on Equity (ROE) | 32.1604% | 57 |
| Retained earnings to average equity (ytd only) | 32.1604% | 27 |
| Net charge-offs to loans | 0.5585% | 1,178 |
| Credit loss provision to net charge-offs | -50.0879% | 5,801 |
| Earnings coverage of net charge-offs (x) | 2.8567% | 4,047 |
| Efficiency ratio | 81.1470% | 2,001 |
| Assets per employee ($millions) | 2.6275% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3149% | 1,025 |
| Loan loss allowance to noncurrent loans | 180.5362% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 2,260 |
| Noncurrent loans to loans | 1.2822% | 2,990 |
| Net loans and leases to total assets | 62.0249% | 3,358 |
| Net loans and leases to deposits | 71.7133% | 3,562 |
| Net loans and leases to core deposits | 76.9618% | 3,499 |
| Total domestic deposits to total assets | 86.4901% | 2,995 |
| Equity capital to assets | 11.3817% | 2,250 |
| Core capital (leverage) ratio | 10.0908% | 3,446 |
| Tier 1 risk-based capital ratio | 15.3006% | 3,480 |
| Total risk-based capital ratio | 16.5699% | 3,422 |
| Memoranda: | ||
| Average total assets | $2,123,836,000 | 336 |
| Average earning assets | $1,849,737,400 | 348 |
| Average equity | $225,469,600 | 342 |
| Average total loans | $1,425,554,200 | 322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,301 |
| Cost of funding earning assets | 0.3796% | 5,001 |
| Net interest margin | 4.4421% | 817 |
| Noninterest income to average assets | 2.1007% | 389 |
| Noninterest expense to average assets | 4.9107% | 362 |
| Loan and lease loss provision to assets | -0.1997% | 6,720 |
| Net operating income to assets | 4.2584% | 52 |
| Return on assets (ROA) | 4.2573% | 53 |
| Pretax return on assets | 1.2570% | 2,492 |
| Return on Equity (ROE) | 40.8715% | 26 |
| Retained earnings to average equity (ytd only) | 40.8715% | 14 |
| Net charge-offs to loans | 0.6221% | 996 |
| Credit loss provision to net charge-offs | -47.1653% | 5,703 |
| Earnings coverage of net charge-offs (x) | 2.4996% | 4,002 |
| Efficiency ratio | 81.6225% | 1,879 |
| Assets per employee ($millions) | 2.5832% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4447% | 995 |
| Loan loss allowance to noncurrent loans | 169.0574% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6934% | 2,431 |
| Noncurrent loans to loans | 1.4461% | 2,995 |
| Net loans and leases to total assets | 63.2558% | 3,117 |
| Net loans and leases to deposits | 73.1823% | 3,363 |
| Net loans and leases to core deposits | 77.2773% | 3,464 |
| Total domestic deposits to total assets | 86.4360% | 3,000 |
| Equity capital to assets | 11.2815% | 2,486 |
| Core capital (leverage) ratio | 9.8836% | 3,840 |
| Tier 1 risk-based capital ratio | 14.7427% | 3,920 |
| Total risk-based capital ratio | 16.0144% | 3,866 |
| Memoranda: | ||
| Average total assets | $2,104,995,500 | 339 |
| Average earning assets | $1,833,183,500 | 351 |
| Average equity | $219,260,500 | 350 |
| Average total loans | $1,432,849,000 | 324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 1,164 |
| Cost of funding earning assets | 0.3921% | 5,012 |
| Net interest margin | 4.4816% | 729 |
| Noninterest income to average assets | 2.2743% | 368 |
| Noninterest expense to average assets | 4.9813% | 358 |
| Loan and lease loss provision to assets | -0.2687% | 6,818 |
| Net operating income to assets | 6.0723% | 33 |
| Return on assets (ROA) | 6.0705% | 33 |
| Pretax return on assets | 1.4700% | 1,714 |
| Return on Equity (ROE) | 60.0134% | 12 |
| Retained earnings to average equity (ytd only) | 60.0134% | 6 |
| Net charge-offs to loans | 0.6511% | 1,009 |
| Credit loss provision to net charge-offs | -59.6461% | 5,554 |
| Earnings coverage of net charge-offs (x) | 2.6702% | 3,625 |
| Efficiency ratio | 79.9174% | 2,167 |
| Assets per employee ($millions) | 2.4465% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5865% | 893 |
| Loan loss allowance to noncurrent loans | 182.9785% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 2,457 |
| Noncurrent loans to loans | 1.4136% | 3,176 |
| Net loans and leases to total assets | 65.2409% | 2,721 |
| Net loans and leases to deposits | 75.7188% | 2,916 |
| Net loans and leases to core deposits | 79.5518% | 3,077 |
| Total domestic deposits to total assets | 86.1621% | 3,280 |
| Equity capital to assets | 11.7953% | 2,057 |
| Core capital (leverage) ratio | 10.3511% | 3,045 |
| Tier 1 risk-based capital ratio | 15.0716% | 3,733 |
| Total risk-based capital ratio | 16.3459% | 3,677 |
| Memoranda: | ||
| Average total assets | $2,082,514,670 | 343 |
| Average earning assets | $1,816,878,330 | 352 |
| Average equity | $210,653,000 | 366 |
| Average total loans | $1,440,921,670 | 319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 1,042 |
| Cost of funding earning assets | 0.4018% | 5,083 |
| Net interest margin | 4.5127% | 670 |
| Noninterest income to average assets | 2.1831% | 385 |
| Noninterest expense to average assets | 4.7831% | 431 |
| Loan and lease loss provision to assets | -0.1340% | 6,860 |
| Net operating income to assets | 1.4770% | 898 |
| Return on assets (ROA) | 1.4757% | 980 |
| Pretax return on assets | 1.4825% | 1,610 |
| Return on Equity (ROE) | 15.9526% | 615 |
| Retained earnings to average equity (ytd only) | 15.9526% | 281 |
| Net charge-offs to loans | 0.7775% | 788 |
| Credit loss provision to net charge-offs | -24.5122% | 4,995 |
| Earnings coverage of net charge-offs (x) | 2.4683% | 3,024 |
| Efficiency ratio | 77.3494% | 2,718 |
| Assets per employee ($millions) | 2.4394% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8522% | 775 |
| Loan loss allowance to noncurrent loans | 146.2159% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 2.4342% | 1,898 |
| Noncurrent loans to loans | 1.9507% | 2,674 |
| Net loans and leases to total assets | 66.0321% | 2,364 |
| Net loans and leases to deposits | 74.5154% | 2,851 |
| Net loans and leases to core deposits | 78.1842% | 3,038 |
| Total domestic deposits to total assets | 88.6154% | 1,922 |
| Equity capital to assets | 9.2782% | 5,163 |
| Core capital (leverage) ratio | 9.6238% | 3,881 |
| Tier 1 risk-based capital ratio | 14.5025% | 4,174 |
| Total risk-based capital ratio | 15.7819% | 4,117 |
| Memoranda: | ||
| Average total assets | $2,061,989,000 | 348 |
| Average earning assets | $1,804,786,500 | 356 |
| Average equity | $190,739,500 | 407 |
| Average total loans | $1,450,273,000 | 320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 1,630 |
| Cost of funding earning assets | 0.5128% | 5,130 |
| Net interest margin | 4.4631% | 1,017 |
| Noninterest income to average assets | 2.5524% | 309 |
| Noninterest expense to average assets | 4.8996% | 409 |
| Loan and lease loss provision to assets | 0.2982% | 2,290 |
| Net operating income to assets | 1.2608% | 1,419 |
| Return on assets (ROA) | 1.2977% | 1,455 |
| Pretax return on assets | 1.2977% | 2,409 |
| Return on Equity (ROE) | 17.9811% | 448 |
| Retained earnings to average equity (ytd only) | 17.9811% | 80 |
| Net charge-offs to loans | 1.3862% | 666 |
| Credit loss provision to net charge-offs | 32.0385% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.6749% | 4,601 |
| Efficiency ratio | 75.1482% | 2,887 |
| Assets per employee ($millions) | 2.3153% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0092% | 655 |
| Loan loss allowance to noncurrent loans | 134.4274% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.9033% | 1,638 |
| Noncurrent loans to loans | 2.2386% | 2,419 |
| Net loans and leases to total assets | 70.6014% | 1,729 |
| Net loans and leases to deposits | 79.7638% | 2,315 |
| Net loans and leases to core deposits | 83.2453% | 2,638 |
| Total domestic deposits to total assets | 88.5130% | 1,896 |
| Equity capital to assets | 9.2212% | 5,244 |
| Core capital (leverage) ratio | 8.2584% | 5,933 |
| Tier 1 risk-based capital ratio | 13.6699% | 4,628 |
| Total risk-based capital ratio | 14.9503% | 4,552 |
| Memoranda: | ||
| Average total assets | $2,309,414,600 | 317 |
| Average earning assets | $2,021,256,000 | 316 |
| Average equity | $166,674,800 | 448 |
| Average total loans | $1,550,669,200 | 300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 2,024 |
| Cost of funding earning assets | 0.5183% | 5,320 |
| Net interest margin | 4.3766% | 1,256 |
| Noninterest income to average assets | 2.1652% | 383 |
| Noninterest expense to average assets | 4.7223% | 456 |
| Loan and lease loss provision to assets | 0.3604% | 1,800 |
| Net operating income to assets | 0.9172% | 2,897 |
| Return on assets (ROA) | 0.9654% | 2,896 |
| Pretax return on assets | 0.9654% | 3,848 |
| Return on Equity (ROE) | 14.2136% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.2136% | 286 |
| Net charge-offs to loans | 1.4688% | 596 |
| Credit loss provision to net charge-offs | 37.2117% | 4,674 |
| Earnings coverage of net charge-offs (x) | 1.3190% | 4,636 |
| Efficiency ratio | 77.9445% | 2,408 |
| Assets per employee ($millions) | 2.3819% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1432% | 633 |
| Loan loss allowance to noncurrent loans | 123.6157% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.8560% | 1,839 |
| Noncurrent loans to loans | 2.5427% | 2,246 |
| Net loans and leases to total assets | 61.6323% | 3,454 |
| Net loans and leases to deposits | 67.8139% | 4,215 |
| Net loans and leases to core deposits | 70.3969% | 4,450 |
| Total domestic deposits to total assets | 90.8844% | 440 |
| Equity capital to assets | 7.2173% | 6,841 |
| Core capital (leverage) ratio | 7.2855% | 6,721 |
| Tier 1 risk-based capital ratio | 11.9416% | 5,968 |
| Total risk-based capital ratio | 13.2174% | 5,939 |
| Memoranda: | ||
| Average total assets | $2,381,454,750 | 302 |
| Average earning assets | $2,086,607,250 | 307 |
| Average equity | $161,747,500 | 460 |
| Average total loans | $1,570,509,500 | 294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 1,894 |
| Cost of funding earning assets | 0.5357% | 5,401 |
| Net interest margin | 4.4270% | 1,134 |
| Noninterest income to average assets | 2.1048% | 375 |
| Noninterest expense to average assets | 4.6760% | 465 |
| Loan and lease loss provision to assets | 0.5210% | 1,204 |
| Net operating income to assets | 0.7806% | 3,465 |
| Return on assets (ROA) | 0.8295% | 3,511 |
| Pretax return on assets | 0.8295% | 4,362 |
| Return on Equity (ROE) | 12.4761% | 1,510 |
| Retained earnings to average equity (ytd only) | 12.4761% | 508 |
| Net charge-offs to loans | 1.7321% | 517 |
| Credit loss provision to net charge-offs | 45.0783% | 4,147 |
| Earnings coverage of net charge-offs (x) | 1.1261% | 4,450 |
| Efficiency ratio | 77.4591% | 2,526 |
| Assets per employee ($millions) | 2.2718% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3022% | 590 |
| Loan loss allowance to noncurrent loans | 113.8745% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 3.0737% | 1,782 |
| Noncurrent loans to loans | 2.8998% | 2,063 |
| Net loans and leases to total assets | 62.5572% | 3,325 |
| Net loans and leases to deposits | 68.4757% | 4,124 |
| Net loans and leases to core deposits | 71.1814% | 4,392 |
| Total domestic deposits to total assets | 91.3568% | 343 |
| Equity capital to assets | 6.8422% | 6,935 |
| Core capital (leverage) ratio | 6.9838% | 6,825 |
| Tier 1 risk-based capital ratio | 11.2057% | 6,399 |
| Total risk-based capital ratio | 12.4839% | 6,356 |
| Memoranda: | ||
| Average total assets | $2,374,956,330 | 304 |
| Average earning assets | $2,077,604,000 | 305 |
| Average equity | $157,902,330 | 465 |
| Average total loans | $1,584,752,330 | 291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 1,773 |
| Cost of funding earning assets | 0.5578% | 5,444 |
| Net interest margin | 4.4785% | 1,057 |
| Noninterest income to average assets | 2.1994% | 350 |
| Noninterest expense to average assets | 4.5541% | 529 |
| Loan and lease loss provision to assets | 0.8694% | 520 |
| Net operating income to assets | 0.6869% | 3,946 |
| Return on assets (ROA) | 0.7742% | 3,743 |
| Pretax return on assets | 0.7742% | 4,516 |
| Return on Equity (ROE) | 11.8194% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.8194% | 849 |
| Net charge-offs to loans | 2.0027% | 471 |
| Credit loss provision to net charge-offs | 64.0654% | 3,035 |
| Earnings coverage of net charge-offs (x) | 1.1468% | 3,762 |
| Efficiency ratio | 73.7757% | 3,132 |
| Assets per employee ($millions) | 2.2438% | 7,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5532% | 516 |
| Loan loss allowance to noncurrent loans | 108.2597% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 3.3874% | 1,701 |
| Noncurrent loans to loans | 3.2821% | 1,947 |
| Net loans and leases to total assets | 62.9065% | 3,069 |
| Net loans and leases to deposits | 69.3244% | 3,828 |
| Net loans and leases to core deposits | 72.0981% | 4,141 |
| Total domestic deposits to total assets | 90.7422% | 666 |
| Equity capital to assets | 6.4664% | 7,023 |
| Core capital (leverage) ratio | 6.8364% | 6,895 |
| Tier 1 risk-based capital ratio | 10.5267% | 6,728 |
| Total risk-based capital ratio | 11.8075% | 6,705 |
| Memoranda: | ||
| Average total assets | $2,360,671,500 | 302 |
| Average earning assets | $2,061,590,000 | 304 |
| Average equity | $154,627,000 | 473 |
| Average total loans | $1,599,666,000 | 286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 956 |
| Cost of funding earning assets | 0.8466% | 4,491 |
| Net interest margin | 4.7524% | 683 |
| Noninterest income to average assets | 1.6606% | 503 |
| Noninterest expense to average assets | 5.3167% | 297 |
| Loan and lease loss provision to assets | 1.1689% | 763 |
| Net operating income to assets | -0.7157% | 6,614 |
| Return on assets (ROA) | -0.7388% | 6,661 |
| Pretax return on assets | -0.7477% | 6,622 |
| Return on Equity (ROE) | -10.8862% | 6,759 |
| Retained earnings to average equity (ytd only) | -10.8862% | 6,724 |
| Net charge-offs to loans | 2.1486% | 608 |
| Credit loss provision to net charge-offs | 75.5767% | 4,654 |
| Earnings coverage of net charge-offs (x) | 0.2873% | 5,611 |
| Efficiency ratio | 91.2916% | 1,095 |
| Assets per employee ($millions) | 2.0801% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6278% | 493 |
| Loan loss allowance to noncurrent loans | 98.3317% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 4.0485% | 1,414 |
| Noncurrent loans to loans | 3.6894% | 1,710 |
| Net loans and leases to total assets | 67.8706% | 2,424 |
| Net loans and leases to deposits | 74.7653% | 3,379 |
| Net loans and leases to core deposits | 77.7576% | 3,711 |
| Total domestic deposits to total assets | 90.7782% | 595 |
| Equity capital to assets | 6.6379% | 7,031 |
| Core capital (leverage) ratio | 6.7674% | 6,927 |
| Tier 1 risk-based capital ratio | 10.1322% | 6,815 |
| Total risk-based capital ratio | 11.4150% | 6,794 |
| Memoranda: | ||
| Average total assets | $2,390,879,600 | 293 |
| Average earning assets | $2,062,909,000 | 301 |
| Average equity | $162,251,600 | 436 |
| Average total loans | $1,721,017,800 | 263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 884 |
| Cost of funding earning assets | 0.9235% | 4,246 |
| Net interest margin | 4.7531% | 684 |
| Noninterest income to average assets | 1.5856% | 522 |
| Noninterest expense to average assets | 5.1062% | 342 |
| Loan and lease loss provision to assets | 1.1622% | 684 |
| Net operating income to assets | -0.5458% | 6,660 |
| Return on assets (ROA) | -0.5428% | 6,703 |
| Pretax return on assets | -0.5842% | 6,669 |
| Return on Equity (ROE) | -7.9568% | 6,810 |
| Retained earnings to average equity (ytd only) | -7.9568% | 6,762 |
| Net charge-offs to loans | 2.3010% | 512 |
| Credit loss provision to net charge-offs | 69.8081% | 4,491 |
| Earnings coverage of net charge-offs (x) | 0.3452% | 5,349 |
| Efficiency ratio | 88.8822% | 1,258 |
| Assets per employee ($millions) | 2.1036% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5477% | 543 |
| Loan loss allowance to noncurrent loans | 115.5622% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 3.6544% | 1,717 |
| Noncurrent loans to loans | 3.0699% | 2,258 |
| Net loans and leases to total assets | 68.9842% | 2,278 |
| Net loans and leases to deposits | 76.5228% | 3,244 |
| Net loans and leases to core deposits | 79.1820% | 3,750 |
| Total domestic deposits to total assets | 90.1486% | 789 |
| Equity capital to assets | 6.9400% | 7,064 |
| Core capital (leverage) ratio | 7.0700% | 6,939 |
| Tier 1 risk-based capital ratio | 10.2870% | 6,863 |
| Total risk-based capital ratio | 11.5685% | 6,838 |
| Memoranda: | ||
| Average total assets | $2,412,413,750 | 289 |
| Average earning assets | $2,078,612,250 | 303 |
| Average equity | $164,567,750 | 440 |
| Average total loans | $1,745,490,250 | 259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 872 |
| Cost of funding earning assets | 1.0123% | 3,873 |
| Net interest margin | 4.6876% | 754 |
| Noninterest income to average assets | 1.7713% | 437 |
| Noninterest expense to average assets | 5.1130% | 339 |
| Loan and lease loss provision to assets | 1.2647% | 595 |
| Net operating income to assets | -0.5418% | 6,723 |
| Return on assets (ROA) | -0.5369% | 6,741 |
| Pretax return on assets | -0.5587% | 6,692 |
| Return on Equity (ROE) | -7.9145% | 6,862 |
| Retained earnings to average equity (ytd only) | -7.9145% | 6,772 |
| Net charge-offs to loans | 2.5080% | 469 |
| Credit loss provision to net charge-offs | 69.4437% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.3849% | 5,018 |
| Efficiency ratio | 86.9793% | 1,514 |
| Assets per employee ($millions) | 2.0756% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5876% | 568 |
| Loan loss allowance to noncurrent loans | 113.7743% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 3.9294% | 1,643 |
| Noncurrent loans to loans | 3.1532% | 2,279 |
| Net loans and leases to total assets | 70.8420% | 2,047 |
| Net loans and leases to deposits | 79.1050% | 2,953 |
| Net loans and leases to core deposits | 84.1785% | 3,184 |
| Total domestic deposits to total assets | 89.5545% | 1,215 |
| Equity capital to assets | 7.0786% | 7,082 |
| Core capital (leverage) ratio | 6.9613% | 7,009 |
| Tier 1 risk-based capital ratio | 10.1667% | 6,927 |
| Total risk-based capital ratio | 11.4487% | 6,900 |
| Memoranda: | ||
| Average total assets | $2,443,829,000 | 288 |
| Average earning assets | $2,107,569,000 | 303 |
| Average equity | $165,796,670 | 433 |
| Average total loans | $1,774,657,000 | 262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6586% | 959 |
| Cost of funding earning assets | 1.0323% | 3,975 |
| Net interest margin | 4.6263% | 823 |
| Noninterest income to average assets | 1.7430% | 452 |
| Noninterest expense to average assets | 5.0768% | 343 |
| Loan and lease loss provision to assets | 1.7675% | 329 |
| Net operating income to assets | -1.0951% | 7,068 |
| Return on assets (ROA) | -1.0954% | 7,076 |
| Pretax return on assets | -1.0966% | 7,025 |
| Return on Equity (ROE) | -16.4763% | 7,175 |
| Retained earnings to average equity (ytd only) | -16.4763% | 7,080 |
| Net charge-offs to loans | 2.8407% | 386 |
| Credit loss provision to net charge-offs | 86.1543% | 3,017 |
| Earnings coverage of net charge-offs (x) | 0.3272% | 4,369 |
| Efficiency ratio | 87.3706% | 1,586 |
| Assets per employee ($millions) | 2.2275% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7687% | 500 |
| Loan loss allowance to noncurrent loans | 110.4976% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 3.9227% | 1,703 |
| Noncurrent loans to loans | 3.4107% | 2,200 |
| Net loans and leases to total assets | 68.1760% | 2,512 |
| Net loans and leases to deposits | 75.6339% | 3,471 |
| Net loans and leases to core deposits | 86.8730% | 2,750 |
| Total domestic deposits to total assets | 90.1395% | 1,070 |
| Equity capital to assets | 6.5917% | 7,186 |
| Core capital (leverage) ratio | 6.5961% | 7,146 |
| Tier 1 risk-based capital ratio | 9.8725% | 7,048 |
| Total risk-based capital ratio | 11.1568% | 7,038 |
| Memoranda: | ||
| Average total assets | $2,506,545,500 | 284 |
| Average earning assets | $2,169,924,500 | 294 |
| Average equity | $166,639,500 | 427 |
| Average total loans | $1,810,228,500 | 257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1117% | 684 |
| Cost of funding earning assets | 1.3379% | 3,649 |
| Net interest margin | 4.7738% | 694 |
| Noninterest income to average assets | 1.5007% | 644 |
| Noninterest expense to average assets | 5.1512% | 381 |
| Loan and lease loss provision to assets | 1.6854% | 842 |
| Net operating income to assets | -1.0679% | 6,722 |
| Return on assets (ROA) | -1.0269% | 6,733 |
| Pretax return on assets | -1.0842% | 6,684 |
| Return on Equity (ROE) | -15.7442% | 6,946 |
| Retained earnings to average equity (ytd only) | -15.7442% | 6,910 |
| Net charge-offs to loans | 2.9027% | 588 |
| Credit loss provision to net charge-offs | 77.2120% | 5,660 |
| Earnings coverage of net charge-offs (x) | 0.2557% | 5,853 |
| Efficiency ratio | 89.4187% | 1,366 |
| Assets per employee ($millions) | 2.2624% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6404% | 531 |
| Loan loss allowance to noncurrent loans | 100.4957% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 4.2076% | 1,590 |
| Noncurrent loans to loans | 3.6224% | 2,065 |
| Net loans and leases to total assets | 70.8842% | 2,337 |
| Net loans and leases to deposits | 79.4789% | 3,257 |
| Net loans and leases to core deposits | 92.2825% | 2,469 |
| Total domestic deposits to total assets | 89.1862% | 1,544 |
| Equity capital to assets | 6.7033% | 7,205 |
| Core capital (leverage) ratio | 6.5775% | 7,178 |
| Tier 1 risk-based capital ratio | 9.7725% | 7,061 |
| Total risk-based capital ratio | 11.0557% | 7,046 |
| Memoranda: | ||
| Average total assets | $2,774,659,200 | 255 |
| Average earning assets | $2,446,152,800 | 263 |
| Average equity | $180,968,400 | 387 |
| Average total loans | $2,086,575,600 | 230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1629% | 665 |
| Cost of funding earning assets | 1.3846% | 3,671 |
| Net interest margin | 4.7784% | 705 |
| Noninterest income to average assets | 1.3449% | 745 |
| Noninterest expense to average assets | 5.0335% | 371 |
| Loan and lease loss provision to assets | 1.8458% | 673 |
| Net operating income to assets | -1.2541% | 7,003 |
| Return on assets (ROA) | -1.1989% | 7,017 |
| Pretax return on assets | -1.2500% | 6,954 |
| Return on Equity (ROE) | -18.4968% | 7,192 |
| Retained earnings to average equity (ytd only) | -18.4968% | 7,172 |
| Net charge-offs to loans | 3.0634% | 495 |
| Credit loss provision to net charge-offs | 79.7338% | 5,147 |
| Earnings coverage of net charge-offs (x) | 0.2325% | 5,780 |
| Efficiency ratio | 89.5258% | 1,323 |
| Assets per employee ($millions) | 2.3375% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6330% | 489 |
| Loan loss allowance to noncurrent loans | 102.3058% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 4.1883% | 1,641 |
| Noncurrent loans to loans | 3.5511% | 2,211 |
| Net loans and leases to total assets | 69.5239% | 2,845 |
| Net loans and leases to deposits | 79.6488% | 3,513 |
| Net loans and leases to core deposits | 95.1601% | 2,364 |
| Total domestic deposits to total assets | 87.2880% | 2,382 |
| Equity capital to assets | 6.3531% | 7,442 |
| Core capital (leverage) ratio | 6.3452% | 7,374 |
| Tier 1 risk-based capital ratio | 9.3686% | 7,284 |
| Total risk-based capital ratio | 10.6519% | 7,283 |
| Memoranda: | ||
| Average total assets | $2,834,299,500 | 252 |
| Average earning assets | $2,507,183,500 | 253 |
| Average equity | $183,710,000 | 375 |
| Average total loans | $2,141,817,500 | 227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2851% | 528 |
| Cost of funding earning assets | 1.4152% | 3,779 |
| Net interest margin | 4.8699% | 573 |
| Noninterest income to average assets | 1.2383% | 848 |
| Noninterest expense to average assets | 5.0026% | 376 |
| Loan and lease loss provision to assets | 2.0717% | 594 |
| Net operating income to assets | -1.5031% | 7,150 |
| Return on assets (ROA) | -1.3970% | 7,128 |
| Pretax return on assets | -1.4045% | 7,049 |
| Return on Equity (ROE) | -21.4173% | 7,305 |
| Retained earnings to average equity (ytd only) | -21.4173% | 7,289 |
| Net charge-offs to loans | 3.2587% | 468 |
| Credit loss provision to net charge-offs | 82.9326% | 4,631 |
| Earnings coverage of net charge-offs (x) | 0.2242% | 5,501 |
| Efficiency ratio | 89.1258% | 1,404 |
| Assets per employee ($millions) | 2.2930% | 7,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6569% | 490 |
| Loan loss allowance to noncurrent loans | 89.4597% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 4.5924% | 1,429 |
| Noncurrent loans to loans | 4.0877% | 1,843 |
| Net loans and leases to total assets | 72.7558% | 2,219 |
| Net loans and leases to deposits | 83.3958% | 2,991 |
| Net loans and leases to core deposits | 103.4091% | 1,693 |
| Total domestic deposits to total assets | 87.2416% | 2,411 |
| Equity capital to assets | 6.4869% | 7,467 |
| Core capital (leverage) ratio | 6.3661% | 7,413 |
| Tier 1 risk-based capital ratio | 9.2658% | 7,351 |
| Total risk-based capital ratio | 10.5500% | 7,332 |
| Memoranda: | ||
| Average total assets | $2,866,654,000 | 251 |
| Average earning assets | $2,545,470,000 | 251 |
| Average equity | $186,980,000 | 368 |
| Average total loans | $2,197,498,000 | 223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 510 |
| Cost of funding earning assets | 1.4350% | 3,963 |
| Net interest margin | 4.8855% | 536 |
| Noninterest income to average assets | 1.3280% | 685 |
| Noninterest expense to average assets | 4.9725% | 372 |
| Loan and lease loss provision to assets | 2.3219% | 463 |
| Net operating income to assets | -1.5728% | 7,355 |
| Return on assets (ROA) | -1.5525% | 7,352 |
| Pretax return on assets | -1.5885% | 7,287 |
| Return on Equity (ROE) | -23.7407% | 7,485 |
| Retained earnings to average equity (ytd only) | -23.7407% | 7,441 |
| Net charge-offs to loans | 3.9954% | 327 |
| Credit loss provision to net charge-offs | 75.2865% | 3,991 |
| Earnings coverage of net charge-offs (x) | 0.2311% | 4,833 |
| Efficiency ratio | 86.6920% | 1,720 |
| Assets per employee ($millions) | 2.4237% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4788% | 561 |
| Loan loss allowance to noncurrent loans | 77.4841% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 4.7559% | 1,386 |
| Noncurrent loans to loans | 4.4897% | 1,666 |
| Net loans and leases to total assets | 72.8712% | 2,238 |
| Net loans and leases to deposits | 84.1020% | 2,923 |
| Net loans and leases to core deposits | 108.3001% | 1,399 |
| Total domestic deposits to total assets | 86.6462% | 2,819 |
| Equity capital to assets | 6.4474% | 7,533 |
| Core capital (leverage) ratio | 6.4306% | 7,491 |
| Tier 1 risk-based capital ratio | 9.1310% | 7,451 |
| Total risk-based capital ratio | 10.4123% | 7,447 |
| Memoranda: | ||
| Average total assets | $2,931,080,000 | 253 |
| Average earning assets | $2,614,129,500 | 253 |
| Average equity | $191,671,000 | 364 |
| Average total loans | $2,262,489,500 | 226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1806% | 213 |
| Cost of funding earning assets | 1.6604% | 4,729 |
| Net interest margin | 5.5202% | 183 |
| Noninterest income to average assets | 1.5641% | 583 |
| Noninterest expense to average assets | 6.0057% | 309 |
| Loan and lease loss provision to assets | 3.4890% | 443 |
| Net operating income to assets | -2.8883% | 7,369 |
| Return on assets (ROA) | -2.7979% | 7,359 |
| Pretax return on assets | -2.9063% | 7,268 |
| Return on Equity (ROE) | -35.3379% | 7,496 |
| Retained earnings to average equity (ytd only) | -35.3379% | 7,484 |
| Net charge-offs to loans | 3.2495% | 624 |
| Credit loss provision to net charge-offs | 129.9581% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.1820% | 5,969 |
| Efficiency ratio | 82.7735% | 2,507 |
| Assets per employee ($millions) | 2.4552% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4974% | 531 |
| Loan loss allowance to noncurrent loans | 72.8933% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 4.8230% | 1,301 |
| Noncurrent loans to loans | 4.7979% | 1,440 |
| Net loans and leases to total assets | 76.0872% | 1,774 |
| Net loans and leases to deposits | 87.4050% | 2,660 |
| Net loans and leases to core deposits | 93.4805% | 4,727 |
| Total domestic deposits to total assets | 87.0513% | 2,473 |
| Equity capital to assets | 6.6291% | 7,523 |
| Core capital (leverage) ratio | 6.7248% | 7,400 |
| Tier 1 risk-based capital ratio | 9.0779% | 7,436 |
| Total risk-based capital ratio | 10.3593% | 7,440 |
| Memoranda: | ||
| Average total assets | $2,961,234,800 | 252 |
| Average earning assets | $2,644,668,600 | 252 |
| Average equity | $234,456,200 | 304 |
| Average total loans | $2,446,552,000 | 219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2703% | 202 |
| Cost of funding earning assets | 1.6877% | 4,962 |
| Net interest margin | 5.5826% | 170 |
| Noninterest income to average assets | 1.5806% | 588 |
| Noninterest expense to average assets | 4.8993% | 524 |
| Loan and lease loss provision to assets | 3.5220% | 372 |
| Net operating income to assets | -1.7677% | 7,222 |
| Return on assets (ROA) | -1.6488% | 7,171 |
| Pretax return on assets | -1.7278% | 7,058 |
| Return on Equity (ROE) | -20.0095% | 7,370 |
| Retained earnings to average equity (ytd only) | -20.0095% | 7,338 |
| Net charge-offs to loans | 3.3627% | 457 |
| Credit loss provision to net charge-offs | 125.3374% | 4,016 |
| Earnings coverage of net charge-offs (x) | 0.5940% | 5,441 |
| Efficiency ratio | 73.6252% | 3,933 |
| Assets per employee ($millions) | 2.4294% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0540% | 645 |
| Loan loss allowance to noncurrent loans | 62.7474% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 5.0047% | 1,172 |
| Noncurrent loans to loans | 4.8672% | 1,389 |
| Net loans and leases to total assets | 79.0088% | 1,392 |
| Net loans and leases to deposits | 93.1325% | 2,038 |
| Net loans and leases to core deposits | 99.3280% | 4,451 |
| Total domestic deposits to total assets | 84.8348% | 3,315 |
| Equity capital to assets | 7.7506% | 7,098 |
| Core capital (leverage) ratio | 7.3159% | 7,176 |
| Tier 1 risk-based capital ratio | 9.4097% | 7,432 |
| Total risk-based capital ratio | 10.6850% | 7,380 |
| Memoranda: | ||
| Average total assets | $2,960,682,500 | 260 |
| Average earning assets | $2,645,203,500 | 265 |
| Average equity | $243,957,500 | 301 |
| Average total loans | $2,474,060,250 | 227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2690% | 218 |
| Cost of funding earning assets | 1.7006% | 5,270 |
| Net interest margin | 5.5684% | 169 |
| Noninterest income to average assets | 1.7738% | 467 |
| Noninterest expense to average assets | 4.5572% | 735 |
| Loan and lease loss provision to assets | 3.7686% | 351 |
| Net operating income to assets | -1.5296% | 7,262 |
| Return on assets (ROA) | -1.3520% | 7,189 |
| Pretax return on assets | -1.3970% | 7,035 |
| Return on Equity (ROE) | -16.0890% | 7,382 |
| Retained earnings to average equity (ytd only) | -16.0890% | 7,299 |
| Net charge-offs to loans | 3.8819% | 368 |
| Credit loss provision to net charge-offs | 115.2256% | 4,019 |
| Earnings coverage of net charge-offs (x) | 0.6691% | 5,035 |
| Efficiency ratio | 66.5819% | 5,445 |
| Assets per employee ($millions) | 2.3541% | 7,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6004% | 822 |
| Loan loss allowance to noncurrent loans | 52.1001% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 5.1929% | 996 |
| Noncurrent loans to loans | 4.9912% | 1,234 |
| Net loans and leases to total assets | 82.1593% | 932 |
| Net loans and leases to deposits | 101.7090% | 1,099 |
| Net loans and leases to core deposits | 109.1908% | 3,471 |
| Total domestic deposits to total assets | 80.7788% | 5,159 |
| Equity capital to assets | 8.1867% | 6,515 |
| Core capital (leverage) ratio | 7.8214% | 6,586 |
| Tier 1 risk-based capital ratio | 9.7509% | 7,183 |
| Total risk-based capital ratio | 11.0203% | 7,109 |
| Memoranda: | ||
| Average total assets | $2,960,416,670 | 268 |
| Average earning assets | $2,643,289,670 | 270 |
| Average equity | $248,766,330 | 303 |
| Average total loans | $2,494,234,000 | 235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2090% | 250 |
| Cost of funding earning assets | 1.7410% | 5,408 |
| Net interest margin | 5.4679% | 185 |
| Noninterest income to average assets | 1.3544% | 783 |
| Noninterest expense to average assets | 4.4035% | 781 |
| Loan and lease loss provision to assets | 4.0807% | 233 |
| Net operating income to assets | -2.2731% | 7,719 |
| Return on assets (ROA) | -2.2457% | 7,717 |
| Pretax return on assets | -2.2060% | 7,593 |
| Return on Equity (ROE) | -26.3827% | 7,867 |
| Retained earnings to average equity (ytd only) | -26.3827% | 7,803 |
| Net charge-offs to loans | 4.7812% | 231 |
| Credit loss provision to net charge-offs | 101.3628% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.4589% | 4,622 |
| Efficiency ratio | 69.3633% | 4,705 |
| Assets per employee ($millions) | 2.4240% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3480% | 899 |
| Loan loss allowance to noncurrent loans | 45.1816% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 5.2339% | 843 |
| Noncurrent loans to loans | 5.1968% | 1,026 |
| Net loans and leases to total assets | 82.1325% | 995 |
| Net loans and leases to deposits | 110.4605% | 594 |
| Net loans and leases to core deposits | 120.8926% | 2,346 |
| Total domestic deposits to total assets | 74.3547% | 6,828 |
| Equity capital to assets | 8.2474% | 6,469 |
| Core capital (leverage) ratio | 7.9087% | 6,600 |
| Tier 1 risk-based capital ratio | 9.8723% | 7,064 |
| Total risk-based capital ratio | 11.1384% | 6,941 |
| Memoranda: | ||
| Average total assets | $2,952,814,500 | 273 |
| Average earning assets | $2,644,213,000 | 272 |
| Average equity | $251,346,500 | 301 |
| Average total loans | $2,486,341,500 | 235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3086% | 588 |
| Cost of funding earning assets | 2.3697% | 4,853 |
| Net interest margin | 4.9389% | 582 |
| Noninterest income to average assets | 0.8993% | 1,956 |
| Noninterest expense to average assets | 5.3679% | 538 |
| Loan and lease loss provision to assets | 2.2768% | 498 |
| Net operating income to assets | -2.4428% | 7,693 |
| Return on assets (ROA) | -2.5873% | 7,700 |
| Pretax return on assets | -2.5155% | 7,595 |
| Return on Equity (ROE) | -27.0647% | 7,906 |
| Retained earnings to average equity (ytd only) | -29.0473% | 7,891 |
| Net charge-offs to loans | 2.3293% | 441 |
| Credit loss provision to net charge-offs | 121.1717% | 4,426 |
| Earnings coverage of net charge-offs (x) | -0.0501% | 6,280 |
| Efficiency ratio | 70.1930% | 4,315 |
| Assets per employee ($millions) | 2.4167% | 7,370 |
| Cash dividends to net income (ytd only)* | -7.3254% | 7,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3258% | 826 |
| Loan loss allowance to noncurrent loans | 46.2220% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 4.8997% | 716 |
| Noncurrent loans to loans | 5.0318% | 869 |
| Net loans and leases to total assets | 82.3369% | 1,168 |
| Net loans and leases to deposits | 115.8908% | 527 |
| Net loans and leases to core deposits | 127.5137% | 2,040 |
| Total domestic deposits to total assets | 71.0470% | 7,155 |
| Equity capital to assets | 8.7767% | 5,694 |
| Core capital (leverage) ratio | 8.2513% | 6,055 |
| Tier 1 risk-based capital ratio | 10.6212% | 6,075 |
| Total risk-based capital ratio | 11.9066% | 5,946 |
| Memoranda: | ||
| Average total assets | $3,165,759,000 | 248 |
| Average earning assets | $2,803,958,400 | 251 |
| Average equity | $302,633,600 | 267 |
| Average total loans | $2,553,796,800 | 226 |