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 | 5.2538% | 1,566 |
| Cost of funding earning assets | 2.3758% | 480 |
| Net interest margin | 2.8781% | 3,526 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3798% | 2,645 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3696% | 3,926 |
| Return on assets (ROA) | 0.3696% | 3,919 |
| Pretax return on assets | 0.4544% | 3,888 |
| Return on Equity (ROE) | 2.5500% | 4,092 |
| Retained earnings to average equity (ytd only) | -2.8983% | 4,325 |
| Net charge-offs to loans | 0.0078% | 2,385 |
| Credit loss provision to net charge-offs | 378.6945% | 811 |
| Earnings coverage of net charge-offs (x) | 80.6283% | 1,018 |
| Efficiency ratio | 80.9817% | 854 |
| Assets per employee ($millions) | 12.7204% | 347 |
| Cash dividends to net income (ytd only)* | 213.5556% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,155 |
| Loan loss allowance to noncurrent loans | 293.3605% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 1,654 |
| Noncurrent loans to loans | 0.3515% | 1,927 |
| Net loans and leases to total assets | 76.5900% | 1,035 |
| Net loans and leases to deposits | 92.6605% | 1,044 |
| Net loans and leases to core deposits | 120.1600% | 620 |
| Total domestic deposits to total assets | 82.6600% | 2,969 |
| Equity capital to assets | 14.3066% | 632 |
| Core capital (leverage) ratio | 10.4091% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3975% | 2,453 |
| Memoranda: | ||
| Average total assets | $18,660,757,600 | 100 |
| Average earning assets | $16,592,366,600 | 101 |
| Average equity | $2,702,433,400 | 77 |
| Average total loans | $14,210,001,600 | 90 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 1,512 |
| Cost of funding earning assets | 2.2065% | 493 |
| Net interest margin | 2.9616% | 3,416 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5179% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3436% | 4,060 |
| Return on assets (ROA) | 0.3436% | 4,063 |
| Pretax return on assets | 0.4207% | 4,031 |
| Return on Equity (ROE) | 2.3700% | 4,161 |
| Retained earnings to average equity (ytd only) | -4.0013% | 4,400 |
| Net charge-offs to loans | 0.0073% | 2,162 |
| Credit loss provision to net charge-offs | 29.8566% | 1,974 |
| Earnings coverage of net charge-offs (x) | 77.2321% | 1,066 |
| Efficiency ratio | 83.2714% | 658 |
| Assets per employee ($millions) | 12.5264% | 333 |
| Cash dividends to net income (ytd only)* | 269.1801% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,147 |
| Loan loss allowance to noncurrent loans | 386.1958% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 1,713 |
| Noncurrent loans to loans | 0.2695% | 2,272 |
| Net loans and leases to total assets | 76.1200% | 1,106 |
| Net loans and leases to deposits | 91.8389% | 1,066 |
| Net loans and leases to core deposits | 116.4187% | 649 |
| Total domestic deposits to total assets | 82.8900% | 3,036 |
| Equity capital to assets | 14.3155% | 603 |
| Core capital (leverage) ratio | 10.5734% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7308% | 2,372 |
| Memoranda: | ||
| Average total assets | $18,568,514,250 | 101 |
| Average earning assets | $16,490,977,000 | 100 |
| Average equity | $2,697,413,000 | 78 |
| Average total loans | $14,080,761,500 | 91 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 1,469 |
| Cost of funding earning assets | 1.9910% | 504 |
| Net interest margin | 3.0572% | 3,308 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.8989% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1069% | 4,356 |
| Return on assets (ROA) | 0.1069% | 4,386 |
| Pretax return on assets | 0.1200% | 4,384 |
| Return on Equity (ROE) | 0.7300% | 4,388 |
| Retained earnings to average equity (ytd only) | -4.7081% | 4,411 |
| Net charge-offs to loans | 0.0047% | 2,107 |
| Credit loss provision to net charge-offs | -197.8788% | 4,563 |
| Earnings coverage of net charge-offs (x) | 34.7273% | 1,479 |
| Efficiency ratio | 93.7044% | 267 |
| Assets per employee ($millions) | 12.4678% | 335 |
| Cash dividends to net income (ytd only)* | 743.0528% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,216 |
| Loan loss allowance to noncurrent loans | 390.2004% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,629 |
| Noncurrent loans to loans | 0.2679% | 2,195 |
| Net loans and leases to total assets | 74.7600% | 1,198 |
| Net loans and leases to deposits | 94.0095% | 864 |
| Net loans and leases to core deposits | 114.6213% | 664 |
| Total domestic deposits to total assets | 79.5200% | 3,651 |
| Equity capital to assets | 14.4579% | 584 |
| Core capital (leverage) ratio | 10.5899% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8774% | 2,344 |
| Memoranda: | ||
| Average total assets | $18,586,686,667 | 99 |
| Average earning assets | $16,500,018,667 | 100 |
| Average equity | $2,713,095,000 | 75 |
| Average total loans | $14,027,191,333 | 90 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 1,426 |
| Cost of funding earning assets | 1.6560% | 627 |
| Net interest margin | 3.2372% | 3,025 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 4.0269% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.6569% | 4,601 |
| Return on assets (ROA) | -0.6569% | 4,590 |
| Pretax return on assets | -0.8619% | 4,595 |
| Return on Equity (ROE) | -4.4800% | 4,547 |
| Retained earnings to average equity (ytd only) | -7.9826% | 4,431 |
| Net charge-offs to loans | 0.0348% | 1,031 |
| Credit loss provision to net charge-offs | -59.2928% | 4,577 |
| Earnings coverage of net charge-offs (x) | -32.7475% | 4,674 |
| Efficiency ratio | 125.0319% | 63 |
| Assets per employee ($millions) | 12.7153% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,308 |
| Loan loss allowance to noncurrent loans | 394.0166% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,571 |
| Noncurrent loans to loans | 0.2658% | 2,195 |
| Net loans and leases to total assets | 73.8400% | 1,223 |
| Net loans and leases to deposits | 98.6932% | 499 |
| Net loans and leases to core deposits | 110.1440% | 703 |
| Total domestic deposits to total assets | 74.8100% | 4,242 |
| Equity capital to assets | 14.5432% | 526 |
| Core capital (leverage) ratio | 10.8833% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0006% | 2,387 |
| Memoranda: | ||
| Average total assets | $18,522,965,000 | 101 |
| Average earning assets | $16,445,300,500 | 103 |
| Average equity | $2,716,812,000 | 78 |
| Average total loans | $13,971,917,500 | 93 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 1,556 |
| Cost of funding earning assets | 0.4940% | 1,429 |
| Net interest margin | 3.5689% | 1,733 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8794% | 3,876 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2275% | 1,675 |
| Return on assets (ROA) | 1.2271% | 1,624 |
| Pretax return on assets | 1.5484% | 1,299 |
| Return on Equity (ROE) | 8.0600% | 3,377 |
| Retained earnings to average equity (ytd only) | 0.5303% | 4,266 |
| Net charge-offs to loans | 0.0392% | 1,312 |
| Credit loss provision to net charge-offs | 101.5616% | 1,545 |
| Earnings coverage of net charge-offs (x) | 55.1992% | 1,306 |
| Efficiency ratio | 52.4410% | 3,942 |
| Assets per employee ($millions) | 11.9769% | 391 |
| Cash dividends to net income (ytd only)* | 93.4194% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,043 |
| Loan loss allowance to noncurrent loans | 385.9185% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 1,485 |
| Noncurrent loans to loans | 0.2770% | 2,165 |
| Net loans and leases to total assets | 75.4500% | 1,068 |
| Net loans and leases to deposits | 91.0392% | 980 |
| Net loans and leases to core deposits | 98.1788% | 1,092 |
| Total domestic deposits to total assets | 82.8800% | 3,443 |
| Equity capital to assets | 14.7950% | 489 |
| Core capital (leverage) ratio | 10.9933% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8527% | 2,432 |
| Memoranda: | ||
| Average total assets | $18,196,298,200 | 108 |
| Average earning assets | $16,121,921,600 | 106 |
| Average equity | $2,771,074,800 | 80 |
| Average total loans | $13,240,944,000 | 98 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 1,611 |
| Cost of funding earning assets | 0.2988% | 2,179 |
| Net interest margin | 3.5530% | 1,514 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.8252% | 3,931 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2754% | 1,442 |
| Return on assets (ROA) | 1.2750% | 1,408 |
| Pretax return on assets | 1.6076% | 1,102 |
| Return on Equity (ROE) | 8.3100% | 3,232 |
| Retained earnings to average equity (ytd only) | -0.8431% | 4,409 |
| Net charge-offs to loans | 0.0447% | 1,044 |
| Credit loss provision to net charge-offs | 47.2254% | 1,535 |
| Earnings coverage of net charge-offs (x) | 50.4597% | 1,280 |
| Efficiency ratio | 50.9761% | 4,094 |
| Assets per employee ($millions) | 11.0259% | 491 |
| Cash dividends to net income (ytd only)* | 110.1423% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,163 |
| Loan loss allowance to noncurrent loans | 263.8271% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 1,222 |
| Noncurrent loans to loans | 0.4045% | 1,809 |
| Net loans and leases to total assets | 75.6500% | 943 |
| Net loans and leases to deposits | 90.6628% | 847 |
| Net loans and leases to core deposits | 96.4591% | 980 |
| Total domestic deposits to total assets | 83.4400% | 3,620 |
| Equity capital to assets | 14.8596% | 466 |
| Core capital (leverage) ratio | 10.9145% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7520% | 2,569 |
| Memoranda: | ||
| Average total assets | $18,182,175,750 | 110 |
| Average earning assets | $16,104,561,000 | 108 |
| Average equity | $2,788,720,000 | 81 |
| Average total loans | $13,071,011,750 | 102 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 1,837 |
| Cost of funding earning assets | 0.1738% | 3,264 |
| Net interest margin | 3.4303% | 1,513 |
| Noninterest income to average assets | 0.2954% | 3,395 |
| Noninterest expense to average assets | 1.7673% | 4,026 |
| Loan and lease loss provision to assets | -0.0158% | 4,415 |
| Net operating income to assets | 1.2582% | 1,260 |
| Return on assets (ROA) | 1.2582% | 1,245 |
| Pretax return on assets | 1.5829% | 983 |
| Return on Equity (ROE) | 8.1204% | 2,989 |
| Retained earnings to average equity (ytd only) | 1.1233% | 3,969 |
| Net charge-offs to loans | 0.0480% | 915 |
| Credit loss provision to net charge-offs | -47.0817% | 3,036 |
| Earnings coverage of net charge-offs (x) | 46.3998% | 1,193 |
| Efficiency ratio | 50.9454% | 4,195 |
| Assets per employee ($millions) | 10.9576% | 505 |
| Cash dividends to net income (ytd only)* | 86.1671% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,303 |
| Loan loss allowance to noncurrent loans | 211.2567% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 1,261 |
| Noncurrent loans to loans | 0.5038% | 1,618 |
| Net loans and leases to total assets | 74.0277% | 918 |
| Net loans and leases to deposits | 88.9259% | 779 |
| Net loans and leases to core deposits | 93.5918% | 934 |
| Total domestic deposits to total assets | 83.2464% | 3,828 |
| Equity capital to assets | 15.1844% | 387 |
| Core capital (leverage) ratio | 11.2341% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0542% | 2,476 |
| Memoranda: | ||
| Average total assets | $18,263,188,000 | 108 |
| Average earning assets | $16,179,439,667 | 108 |
| Average equity | $2,829,731,667 | 81 |
| Average total loans | $12,855,757,667 | 101 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 1,901 |
| Cost of funding earning assets | 0.1426% | 3,596 |
| Net interest margin | 3.3264% | 1,508 |
| Noninterest income to average assets | 0.2807% | 3,454 |
| Noninterest expense to average assets | 1.7244% | 4,099 |
| Loan and lease loss provision to assets | -0.0315% | 4,482 |
| Net operating income to assets | 1.2224% | 1,190 |
| Return on assets (ROA) | 1.2224% | 1,174 |
| Pretax return on assets | 1.5332% | 954 |
| Return on Equity (ROE) | 7.8124% | 2,754 |
| Retained earnings to average equity (ytd only) | 3.0045% | 3,260 |
| Net charge-offs to loans | 0.0062% | 1,529 |
| Credit loss provision to net charge-offs | -1,139.8964% | 3,286 |
| Earnings coverage of net charge-offs (x) | 356.8394% | 277 |
| Efficiency ratio | 51.3241% | 4,234 |
| Assets per employee ($millions) | 11.3233% | 468 |
| Cash dividends to net income (ytd only)* | 61.5423% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,022 |
| Loan loss allowance to noncurrent loans | 211.5511% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 1,570 |
| Noncurrent loans to loans | 0.5510% | 1,660 |
| Net loans and leases to total assets | 69.0732% | 1,110 |
| Net loans and leases to deposits | 83.4973% | 921 |
| Net loans and leases to core deposits | 87.4555% | 1,052 |
| Total domestic deposits to total assets | 82.7251% | 3,974 |
| Equity capital to assets | 15.7967% | 333 |
| Core capital (leverage) ratio | 10.8653% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1073% | 2,158 |
| Memoranda: | ||
| Average total assets | $18,343,789,000 | 108 |
| Average earning assets | $16,242,868,000 | 110 |
| Average equity | $2,870,260,500 | 81 |
| Average total loans | $12,511,313,000 | 102 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 2,496 |
| Cost of funding earning assets | 0.2819% | 2,579 |
| Net interest margin | 3.2756% | 2,383 |
| Noninterest income to average assets | 0.3613% | 3,270 |
| Noninterest expense to average assets | 1.6340% | 4,384 |
| Loan and lease loss provision to assets | -0.0482% | 4,346 |
| Net operating income to assets | 1.3461% | 1,458 |
| Return on assets (ROA) | 1.3462% | 1,494 |
| Pretax return on assets | 1.6975% | 1,153 |
| Return on Equity (ROE) | 8.5873% | 3,054 |
| Retained earnings to average equity (ytd only) | 3.9214% | 3,248 |
| Net charge-offs to loans | 0.0585% | 1,200 |
| Credit loss provision to net charge-offs | -168.1536% | 3,474 |
| Earnings coverage of net charge-offs (x) | 40.8722% | 1,427 |
| Efficiency ratio | 47.6839% | 4,424 |
| Assets per employee ($millions) | 12.1379% | 383 |
| Cash dividends to net income (ytd only)* | 54.3349% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,922 |
| Loan loss allowance to noncurrent loans | 268.0692% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 2,059 |
| Noncurrent loans to loans | 0.4448% | 2,023 |
| Net loans and leases to total assets | 65.7965% | 1,492 |
| Net loans and leases to deposits | 79.1687% | 1,286 |
| Net loans and leases to core deposits | 85.9413% | 1,204 |
| Total domestic deposits to total assets | 83.1093% | 3,784 |
| Equity capital to assets | 15.5035% | 433 |
| Core capital (leverage) ratio | 10.2795% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1581% | 2,182 |
| Memoranda: | ||
| Average total assets | $18,388,464,600 | 108 |
| Average earning assets | $16,403,138,600 | 109 |
| Average equity | $2,882,625,400 | 83 |
| Average total loans | $12,686,809,600 | 97 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 2,628 |
| Cost of funding earning assets | 0.3011% | 2,582 |
| Net interest margin | 3.2718% | 2,504 |
| Noninterest income to average assets | 0.3742% | 3,236 |
| Noninterest expense to average assets | 1.6298% | 4,425 |
| Loan and lease loss provision to assets | -0.0656% | 4,512 |
| Net operating income to assets | 1.3686% | 1,633 |
| Return on assets (ROA) | 1.3686% | 1,689 |
| Pretax return on assets | 1.7290% | 1,341 |
| Return on Equity (ROE) | 8.7060% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.0027% | 3,576 |
| Net charge-offs to loans | 0.0463% | 1,200 |
| Credit loss provision to net charge-offs | -317.2281% | 3,509 |
| Earnings coverage of net charge-offs (x) | 51.6294% | 1,228 |
| Efficiency ratio | 47.4014% | 4,417 |
| Assets per employee ($millions) | 12.3292% | 347 |
| Cash dividends to net income (ytd only)* | 54.0233% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,972 |
| Loan loss allowance to noncurrent loans | 185.7521% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,749 |
| Noncurrent loans to loans | 0.6481% | 1,689 |
| Net loans and leases to total assets | 65.1522% | 1,640 |
| Net loans and leases to deposits | 79.3485% | 1,345 |
| Net loans and leases to core deposits | 88.1874% | 1,141 |
| Total domestic deposits to total assets | 82.1089% | 3,911 |
| Equity capital to assets | 15.3027% | 494 |
| Core capital (leverage) ratio | 10.4812% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1413% | 2,312 |
| Memoranda: | ||
| Average total assets | $18,303,394,250 | 109 |
| Average earning assets | $16,329,584,750 | 108 |
| Average equity | $2,877,377,500 | 84 |
| Average total loans | $12,740,619,500 | 96 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 2,500 |
| Cost of funding earning assets | 0.3169% | 2,622 |
| Net interest margin | 3.3223% | 2,373 |
| Noninterest income to average assets | 0.3809% | 3,209 |
| Noninterest expense to average assets | 1.6157% | 4,491 |
| Loan and lease loss provision to assets | -0.0994% | 4,625 |
| Net operating income to assets | 1.4405% | 1,449 |
| Return on assets (ROA) | 1.4405% | 1,516 |
| Pretax return on assets | 1.8260% | 1,175 |
| Return on Equity (ROE) | 9.0791% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.1192% | 2,754 |
| Net charge-offs to loans | 0.0674% | 951 |
| Credit loss provision to net charge-offs | -222.4792% | 3,238 |
| Earnings coverage of net charge-offs (x) | 36.1358% | 1,216 |
| Efficiency ratio | 46.2628% | 4,501 |
| Assets per employee ($millions) | 11.9832% | 351 |
| Cash dividends to net income (ytd only)* | 32.6008% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,749 |
| Loan loss allowance to noncurrent loans | 305.7408% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 2,540 |
| Noncurrent loans to loans | 0.4042% | 2,468 |
| Net loans and leases to total assets | 67.0154% | 1,580 |
| Net loans and leases to deposits | 81.9976% | 1,223 |
| Net loans and leases to core deposits | 91.3977% | 1,045 |
| Total domestic deposits to total assets | 81.7285% | 3,971 |
| Equity capital to assets | 15.7015% | 444 |
| Core capital (leverage) ratio | 10.7608% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4697% | 2,183 |
| Memoranda: | ||
| Average total assets | $18,100,171,333 | 109 |
| Average earning assets | $16,133,340,333 | 109 |
| Average equity | $2,871,765,667 | 84 |
| Average total loans | $12,830,017,667 | 96 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 2,351 |
| Cost of funding earning assets | 0.3393% | 2,628 |
| Net interest margin | 3.3634% | 2,210 |
| Noninterest income to average assets | 0.4141% | 3,014 |
| Noninterest expense to average assets | 1.5863% | 4,557 |
| Loan and lease loss provision to assets | -0.0558% | 4,659 |
| Net operating income to assets | 1.4814% | 1,372 |
| Return on assets (ROA) | 1.4814% | 1,437 |
| Pretax return on assets | 1.8781% | 1,150 |
| Return on Equity (ROE) | 9.2877% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.5112% | 3,057 |
| Net charge-offs to loans | 0.0126% | 1,500 |
| Credit loss provision to net charge-offs | -612.7451% | 3,230 |
| Earnings coverage of net charge-offs (x) | 200.2010% | 397 |
| Efficiency ratio | 44.4799% | 4,551 |
| Assets per employee ($millions) | 12.1711% | 334 |
| Cash dividends to net income (ytd only)* | 40.6614% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,478 |
| Loan loss allowance to noncurrent loans | 283.5350% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 2,515 |
| Noncurrent loans to loans | 0.4556% | 2,492 |
| Net loans and leases to total assets | 69.9166% | 1,302 |
| Net loans and leases to deposits | 85.4884% | 995 |
| Net loans and leases to core deposits | 96.4145% | 866 |
| Total domestic deposits to total assets | 81.7848% | 3,934 |
| Equity capital to assets | 15.7037% | 420 |
| Core capital (leverage) ratio | 10.7822% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3520% | 2,139 |
| Memoranda: | ||
| Average total assets | $17,929,154,000 | 110 |
| Average earning assets | $15,962,756,500 | 110 |
| Average equity | $2,859,793,500 | 83 |
| Average total loans | $12,988,136,500 | 96 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,127 |
| Cost of funding earning assets | 0.5530% | 2,592 |
| Net interest margin | 3.6498% | 1,978 |
| Noninterest income to average assets | 0.5138% | 2,572 |
| Noninterest expense to average assets | 1.6935% | 4,625 |
| Loan and lease loss provision to assets | 0.2610% | 1,484 |
| Net operating income to assets | 1.4157% | 987 |
| Return on assets (ROA) | 1.4176% | 1,067 |
| Pretax return on assets | 1.7854% | 708 |
| Return on Equity (ROE) | 8.6239% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.5494% | 2,024 |
| Net charge-offs to loans | 0.0533% | 2,026 |
| Credit loss provision to net charge-offs | 648.0705% | 1,053 |
| Earnings coverage of net charge-offs (x) | 50.7543% | 1,184 |
| Efficiency ratio | 43.2522% | 4,809 |
| Assets per employee ($millions) | 11.9917% | 320 |
| Cash dividends to net income (ytd only)* | 35.6516% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 4,636 |
| Loan loss allowance to noncurrent loans | 156.4610% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 2,720 |
| Noncurrent loans to loans | 0.4269% | 2,701 |
| Net loans and leases to total assets | 73.5895% | 1,082 |
| Net loans and leases to deposits | 90.6721% | 875 |
| Net loans and leases to core deposits | 102.8641% | 774 |
| Total domestic deposits to total assets | 81.1600% | 3,838 |
| Equity capital to assets | 16.2024% | 409 |
| Core capital (leverage) ratio | 11.0074% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6087% | 2,397 |
| Memoranda: | ||
| Average total assets | $16,472,551,000 | 106 |
| Average earning assets | $14,549,534,600 | 108 |
| Average equity | $2,707,699,000 | 83 |
| Average total loans | $12,449,706,800 | 98 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,095 |
| Cost of funding earning assets | 0.6153% | 2,515 |
| Net interest margin | 3.6859% | 1,994 |
| Noninterest income to average assets | 0.5343% | 2,449 |
| Noninterest expense to average assets | 1.7034% | 4,621 |
| Loan and lease loss provision to assets | 0.3229% | 1,217 |
| Net operating income to assets | 1.3979% | 1,106 |
| Return on assets (ROA) | 1.4004% | 1,199 |
| Pretax return on assets | 1.7607% | 847 |
| Return on Equity (ROE) | 8.4860% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.3222% | 2,885 |
| Net charge-offs to loans | 0.0336% | 2,154 |
| Credit loss provision to net charge-offs | 1,265.2652% | 705 |
| Earnings coverage of net charge-offs (x) | 81.5188% | 913 |
| Efficiency ratio | 42.9402% | 4,832 |
| Assets per employee ($millions) | 11.8749% | 330 |
| Cash dividends to net income (ytd only)* | 49.0673% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 4,613 |
| Loan loss allowance to noncurrent loans | 188.4485% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,039 |
| Noncurrent loans to loans | 0.3586% | 3,002 |
| Net loans and leases to total assets | 75.1392% | 1,219 |
| Net loans and leases to deposits | 93.0643% | 999 |
| Net loans and leases to core deposits | 107.4064% | 791 |
| Total domestic deposits to total assets | 80.7390% | 3,713 |
| Equity capital to assets | 16.4477% | 420 |
| Core capital (leverage) ratio | 10.9666% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4231% | 2,450 |
| Memoranda: | ||
| Average total assets | $16,153,759,500 | 106 |
| Average earning assets | $14,241,384,750 | 108 |
| Average equity | $2,665,736,250 | 83 |
| Average total loans | $12,275,064,250 | 100 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,152 |
| Cost of funding earning assets | 0.7089% | 2,334 |
| Net interest margin | 3.7128% | 2,122 |
| Noninterest income to average assets | 0.4986% | 2,572 |
| Noninterest expense to average assets | 1.7111% | 4,673 |
| Loan and lease loss provision to assets | 0.3979% | 1,020 |
| Net operating income to assets | 1.3193% | 1,306 |
| Return on assets (ROA) | 1.3232% | 1,397 |
| Pretax return on assets | 1.6571% | 1,087 |
| Return on Equity (ROE) | 8.0087% | 2,747 |
| Retained earnings to average equity (ytd only) | 3.3645% | 3,243 |
| Net charge-offs to loans | 0.0483% | 1,794 |
| Credit loss provision to net charge-offs | 1,083.2875% | 750 |
| Earnings coverage of net charge-offs (x) | 55.8167% | 1,021 |
| Efficiency ratio | 43.3596% | 4,828 |
| Assets per employee ($millions) | 11.6630% | 338 |
| Cash dividends to net income (ytd only)* | 57.9897% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,696 |
| Loan loss allowance to noncurrent loans | 245.0713% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,528 |
| Noncurrent loans to loans | 0.2582% | 3,461 |
| Net loans and leases to total assets | 74.0219% | 1,410 |
| Net loans and leases to deposits | 94.4811% | 913 |
| Net loans and leases to core deposits | 109.6905% | 750 |
| Total domestic deposits to total assets | 78.3457% | 4,140 |
| Equity capital to assets | 15.6166% | 524 |
| Core capital (leverage) ratio | 10.0578% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5483% | 2,794 |
| Memoranda: | ||
| Average total assets | $15,834,415,333 | 108 |
| Average earning assets | $13,914,692,000 | 110 |
| Average equity | $2,616,152,333 | 85 |
| Average total loans | $12,051,702,333 | 99 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 1,756 |
| Cost of funding earning assets | 0.8897% | 1,923 |
| Net interest margin | 3.7953% | 1,995 |
| Noninterest income to average assets | 0.3707% | 3,292 |
| Noninterest expense to average assets | 1.8627% | 4,582 |
| Loan and lease loss provision to assets | 0.2197% | 1,407 |
| Net operating income to assets | 1.2681% | 1,334 |
| Return on assets (ROA) | 1.2755% | 1,409 |
| Pretax return on assets | 1.6184% | 1,011 |
| Return on Equity (ROE) | 7.4917% | 2,734 |
| Retained earnings to average equity (ytd only) | 1.3338% | 3,658 |
| Net charge-offs to loans | 0.0490% | 1,519 |
| Credit loss provision to net charge-offs | 582.4183% | 809 |
| Earnings coverage of net charge-offs (x) | 48.4864% | 917 |
| Efficiency ratio | 48.2047% | 4,748 |
| Assets per employee ($millions) | 10.7742% | 318 |
| Cash dividends to net income (ytd only)* | 82.1963% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 4,880 |
| Loan loss allowance to noncurrent loans | 134.3339% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 3,260 |
| Noncurrent loans to loans | 0.3667% | 3,175 |
| Net loans and leases to total assets | 75.7757% | 1,338 |
| Net loans and leases to deposits | 99.2330% | 607 |
| Net loans and leases to core deposits | 115.7357% | 599 |
| Total domestic deposits to total assets | 76.3614% | 4,435 |
| Equity capital to assets | 16.7535% | 473 |
| Core capital (leverage) ratio | 10.8763% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1197% | 3,061 |
| Memoranda: | ||
| Average total assets | $15,260,968,500 | 110 |
| Average earning assets | $13,353,009,000 | 112 |
| Average equity | $2,598,280,000 | 87 |
| Average total loans | $11,752,583,000 | 99 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 617 |
| Cost of funding earning assets | 1.1160% | 1,271 |
| Net interest margin | 4.3260% | 1,038 |
| Noninterest income to average assets | 0.5638% | 2,401 |
| Noninterest expense to average assets | 2.0251% | 4,488 |
| Loan and lease loss provision to assets | 0.1079% | 1,925 |
| Net operating income to assets | 1.7352% | 611 |
| Return on assets (ROA) | 1.7368% | 650 |
| Pretax return on assets | 2.2077% | 381 |
| Return on Equity (ROE) | 10.0286% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.8404% | 1,955 |
| Net charge-offs to loans | 0.0761% | 2,006 |
| Credit loss provision to net charge-offs | 181.7456% | 1,446 |
| Earnings coverage of net charge-offs (x) | 38.9611% | 1,339 |
| Efficiency ratio | 44.5110% | 4,960 |
| Assets per employee ($millions) | 10.4059% | 328 |
| Cash dividends to net income (ytd only)* | 41.7623% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4417% | 4,954 |
| Loan loss allowance to noncurrent loans | 138.3137% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,299 |
| Noncurrent loans to loans | 0.3194% | 3,293 |
| Net loans and leases to total assets | 77.5619% | 1,148 |
| Net loans and leases to deposits | 97.0566% | 836 |
| Net loans and leases to core deposits | 112.0220% | 755 |
| Total domestic deposits to total assets | 79.9141% | 3,997 |
| Equity capital to assets | 17.3090% | 431 |
| Core capital (leverage) ratio | 10.6982% | 2,763 |
| Tier 1 risk-based capital ratio | 11.7047% | 4,525 |
| Total risk-based capital ratio | 12.1072% | 4,813 |
| Memoranda: | ||
| Average total assets | $13,718,034,200 | 114 |
| Average earning assets | $11,970,262,200 | 114 |
| Average equity | $2,375,726,400 | 89 |
| Average total loans | $10,699,153,400 | 104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 536 |
| Cost of funding earning assets | 1.1503% | 1,173 |
| Net interest margin | 4.4019% | 940 |
| Noninterest income to average assets | 0.5878% | 2,273 |
| Noninterest expense to average assets | 2.0404% | 4,474 |
| Loan and lease loss provision to assets | 0.1312% | 1,472 |
| Net operating income to assets | 1.7791% | 640 |
| Return on assets (ROA) | 1.7812% | 669 |
| Pretax return on assets | 2.2582% | 405 |
| Return on Equity (ROE) | 10.2833% | 2,313 |
| Retained earnings to average equity (ytd only) | 6.3510% | 2,199 |
| Net charge-offs to loans | 0.0962% | 1,511 |
| Credit loss provision to net charge-offs | 174.7583% | 1,462 |
| Earnings coverage of net charge-offs (x) | 31.7901% | 1,573 |
| Efficiency ratio | 43.9075% | 5,020 |
| Assets per employee ($millions) | 10.5237% | 304 |
| Cash dividends to net income (ytd only)* | 38.2395% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 5,033 |
| Loan loss allowance to noncurrent loans | 221.1424% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 3,783 |
| Noncurrent loans to loans | 0.1962% | 3,834 |
| Net loans and leases to total assets | 77.4167% | 1,237 |
| Net loans and leases to deposits | 98.6307% | 756 |
| Net loans and leases to core deposits | 113.9705% | 757 |
| Total domestic deposits to total assets | 78.4915% | 4,266 |
| Equity capital to assets | 17.1241% | 473 |
| Core capital (leverage) ratio | 10.7345% | 2,904 |
| Tier 1 risk-based capital ratio | 11.4826% | 4,675 |
| Total risk-based capital ratio | 11.8783% | 4,962 |
| Memoranda: | ||
| Average total assets | $13,409,227,750 | 115 |
| Average earning assets | $11,695,688,500 | 116 |
| Average equity | $2,322,591,250 | 89 |
| Average total loans | $10,461,568,750 | 104 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 379 |
| Cost of funding earning assets | 1.1531% | 1,126 |
| Net interest margin | 4.5736% | 653 |
| Noninterest income to average assets | 0.4912% | 2,723 |
| Noninterest expense to average assets | 2.1729% | 4,292 |
| Loan and lease loss provision to assets | 0.1235% | 1,508 |
| Net operating income to assets | 1.7223% | 695 |
| Return on assets (ROA) | 1.7255% | 721 |
| Pretax return on assets | 2.1845% | 456 |
| Return on Equity (ROE) | 9.9187% | 2,431 |
| Retained earnings to average equity (ytd only) | 4.9258% | 2,809 |
| Net charge-offs to loans | 0.0336% | 2,191 |
| Credit loss provision to net charge-offs | 471.1834% | 629 |
| Earnings coverage of net charge-offs (x) | 87.8893% | 762 |
| Efficiency ratio | 46.2953% | 4,975 |
| Assets per employee ($millions) | 10.1330% | 323 |
| Cash dividends to net income (ytd only)* | 50.3380% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 5,067 |
| Loan loss allowance to noncurrent loans | 176.9873% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 3,533 |
| Noncurrent loans to loans | 0.2545% | 3,621 |
| Net loans and leases to total assets | 76.7868% | 1,421 |
| Net loans and leases to deposits | 97.7871% | 864 |
| Net loans and leases to core deposits | 113.0113% | 818 |
| Total domestic deposits to total assets | 78.5244% | 4,312 |
| Equity capital to assets | 17.0217% | 461 |
| Core capital (leverage) ratio | 10.5540% | 3,031 |
| Tier 1 risk-based capital ratio | 11.2545% | 4,805 |
| Total risk-based capital ratio | 11.6639% | 5,053 |
| Memoranda: | ||
| Average total assets | $12,894,224,670 | 118 |
| Average earning assets | $11,236,417,330 | 122 |
| Average equity | $2,243,195,670 | 91 |
| Average total loans | $10,072,915,000 | 108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9059% | 257 |
| Cost of funding earning assets | 1.1678% | 994 |
| Net interest margin | 4.7381% | 457 |
| Noninterest income to average assets | 0.5139% | 2,475 |
| Noninterest expense to average assets | 2.2912% | 4,046 |
| Loan and lease loss provision to assets | 0.1076% | 1,649 |
| Net operating income to assets | 1.7761% | 612 |
| Return on assets (ROA) | 1.7825% | 619 |
| Pretax return on assets | 2.2472% | 401 |
| Return on Equity (ROE) | 10.1126% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.3273% | 2,306 |
| Net charge-offs to loans | 0.0645% | 1,399 |
| Credit loss provision to net charge-offs | 211.9658% | 1,019 |
| Earnings coverage of net charge-offs (x) | 46.2452% | 1,072 |
| Efficiency ratio | 47.0755% | 4,983 |
| Assets per employee ($millions) | 9.2401% | 433 |
| Cash dividends to net income (ytd only)* | 37.4315% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4242% | 5,153 |
| Loan loss allowance to noncurrent loans | 234.6841% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 3,977 |
| Noncurrent loans to loans | 0.1808% | 3,944 |
| Net loans and leases to total assets | 77.2175% | 1,287 |
| Net loans and leases to deposits | 97.0456% | 887 |
| Net loans and leases to core deposits | 110.3844% | 911 |
| Total domestic deposits to total assets | 79.5683% | 4,245 |
| Equity capital to assets | 17.4518% | 396 |
| Core capital (leverage) ratio | 10.7049% | 2,841 |
| Tier 1 risk-based capital ratio | 11.5619% | 4,713 |
| Total risk-based capital ratio | 11.9513% | 5,007 |
| Memoranda: | ||
| Average total assets | $11,989,855,000 | 128 |
| Average earning assets | $10,435,720,500 | 127 |
| Average equity | $2,113,444,500 | 97 |
| Average total loans | $9,438,866,000 | 114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 1,049 |
| Cost of funding earning assets | 0.8720% | 1,207 |
| Net interest margin | 4.1254% | 1,603 |
| Noninterest income to average assets | 0.4484% | 3,113 |
| Noninterest expense to average assets | 1.9498% | 4,825 |
| Loan and lease loss provision to assets | 0.1044% | 2,103 |
| Net operating income to assets | 1.5571% | 976 |
| Return on assets (ROA) | 1.5522% | 983 |
| Pretax return on assets | 1.9470% | 630 |
| Return on Equity (ROE) | 9.0021% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.7296% | 1,796 |
| Net charge-offs to loans | 0.0611% | 2,258 |
| Credit loss provision to net charge-offs | 221.0762% | 1,318 |
| Earnings coverage of net charge-offs (x) | 43.5626% | 1,238 |
| Efficiency ratio | 47.1396% | 5,082 |
| Assets per employee ($millions) | 9.2940% | 421 |
| Cash dividends to net income (ytd only)* | 25.2441% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5661% | 5,023 |
| Loan loss allowance to noncurrent loans | 259.6465% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 3,838 |
| Noncurrent loans to loans | 0.2180% | 3,800 |
| Net loans and leases to total assets | 79.9597% | 949 |
| Net loans and leases to deposits | 101.5925% | 620 |
| Net loans and leases to core deposits | 112.8505% | 843 |
| Total domestic deposits to total assets | 78.7063% | 4,367 |
| Equity capital to assets | 17.8785% | 352 |
| Core capital (leverage) ratio | 10.9066% | 2,621 |
| Tier 1 risk-based capital ratio | 11.8646% | 4,526 |
| Total risk-based capital ratio | 12.3909% | 4,804 |
| Memoranda: | ||
| Average total assets | $9,442,850,400 | 144 |
| Average earning assets | $8,146,268,600 | 151 |
| Average equity | $1,628,158,600 | 111 |
| Average total loans | $7,298,475,400 | 137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 1,206 |
| Cost of funding earning assets | 0.7941% | 1,369 |
| Net interest margin | 4.0887% | 1,662 |
| Noninterest income to average assets | 0.4601% | 3,098 |
| Noninterest expense to average assets | 1.9223% | 4,870 |
| Loan and lease loss provision to assets | 0.0992% | 2,011 |
| Net operating income to assets | 1.5563% | 1,056 |
| Return on assets (ROA) | 1.5523% | 1,059 |
| Pretax return on assets | 1.9506% | 724 |
| Return on Equity (ROE) | 9.0914% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.4169% | 2,426 |
| Net charge-offs to loans | 0.0781% | 1,738 |
| Credit loss provision to net charge-offs | 166.0296% | 1,601 |
| Earnings coverage of net charge-offs (x) | 34.3968% | 1,481 |
| Efficiency ratio | 46.8128% | 5,112 |
| Assets per employee ($millions) | 9.5406% | 378 |
| Cash dividends to net income (ytd only)* | 29.4177% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5457% | 5,133 |
| Loan loss allowance to noncurrent loans | 233.5808% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,901 |
| Noncurrent loans to loans | 0.2336% | 3,868 |
| Net loans and leases to total assets | 77.7425% | 1,382 |
| Net loans and leases to deposits | 98.6492% | 894 |
| Net loans and leases to core deposits | 110.5415% | 1,000 |
| Total domestic deposits to total assets | 78.8070% | 4,357 |
| Equity capital to assets | 17.4114% | 389 |
| Core capital (leverage) ratio | 10.5386% | 3,049 |
| Tier 1 risk-based capital ratio | 11.6839% | 4,682 |
| Total risk-based capital ratio | 12.1886% | 4,968 |
| Memoranda: | ||
| Average total assets | $9,342,984,500 | 142 |
| Average earning assets | $8,036,532,750 | 150 |
| Average equity | $1,595,283,250 | 112 |
| Average total loans | $7,144,423,250 | 139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 1,470 |
| Cost of funding earning assets | 0.6970% | 1,637 |
| Net interest margin | 4.0155% | 1,808 |
| Noninterest income to average assets | 0.4275% | 3,313 |
| Noninterest expense to average assets | 1.8699% | 5,003 |
| Loan and lease loss provision to assets | 0.1184% | 1,673 |
| Net operating income to assets | 1.4941% | 1,178 |
| Return on assets (ROA) | 1.4901% | 1,182 |
| Pretax return on assets | 1.8758% | 825 |
| Return on Equity (ROE) | 8.7891% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,252 |
| Net charge-offs to loans | 0.0437% | 1,990 |
| Credit loss provision to net charge-offs | 357.1429% | 888 |
| Earnings coverage of net charge-offs (x) | 60.2982% | 996 |
| Efficiency ratio | 46.7908% | 5,174 |
| Assets per employee ($millions) | 9.7095% | 350 |
| Cash dividends to net income (ytd only)* | 46.8761% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 5,172 |
| Loan loss allowance to noncurrent loans | 209.8459% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,862 |
| Noncurrent loans to loans | 0.2691% | 3,748 |
| Net loans and leases to total assets | 76.1799% | 1,608 |
| Net loans and leases to deposits | 101.0238% | 733 |
| Net loans and leases to core deposits | 115.2118% | 737 |
| Total domestic deposits to total assets | 75.4079% | 4,915 |
| Equity capital to assets | 16.8273% | 414 |
| Core capital (leverage) ratio | 11.1151% | 2,427 |
| Tier 1 risk-based capital ratio | 11.0695% | 5,017 |
| Total risk-based capital ratio | 11.5832% | 5,246 |
| Memoranda: | ||
| Average total assets | $9,162,627,670 | 144 |
| Average earning assets | $7,853,091,330 | 153 |
| Average equity | $1,553,393,330 | 113 |
| Average total loans | $6,950,473,000 | 140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,336 |
| Cost of funding earning assets | 0.6227% | 1,898 |
| Net interest margin | 4.0643% | 1,529 |
| Noninterest income to average assets | 0.4335% | 3,217 |
| Noninterest expense to average assets | 1.9383% | 4,960 |
| Loan and lease loss provision to assets | 0.1234% | 1,527 |
| Net operating income to assets | 1.4887% | 1,109 |
| Return on assets (ROA) | 1.4805% | 1,125 |
| Pretax return on assets | 1.8533% | 814 |
| Return on Equity (ROE) | 8.6953% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,783 |
| Net charge-offs to loans | 0.0083% | 2,436 |
| Credit loss provision to net charge-offs | 1,967.1533% | 201 |
| Earnings coverage of net charge-offs (x) | 316.8394% | 214 |
| Efficiency ratio | 47.8286% | 5,199 |
| Assets per employee ($millions) | 9.4449% | 382 |
| Cash dividends to net income (ytd only)* | 6.1837% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 5,134 |
| Loan loss allowance to noncurrent loans | 218.7810% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,837 |
| Noncurrent loans to loans | 0.2873% | 3,744 |
| Net loans and leases to total assets | 75.3510% | 1,647 |
| Net loans and leases to deposits | 97.5445% | 904 |
| Net loans and leases to core deposits | 111.1492% | 933 |
| Total domestic deposits to total assets | 77.2478% | 4,833 |
| Equity capital to assets | 17.0265% | 397 |
| Core capital (leverage) ratio | 10.6170% | 2,831 |
| Tier 1 risk-based capital ratio | 11.5729% | 4,826 |
| Total risk-based capital ratio | 12.1440% | 5,097 |
| Memoranda: | ||
| Average total assets | $8,738,673,500 | 148 |
| Average earning assets | $7,507,578,500 | 156 |
| Average equity | $1,487,838,500 | 115 |
| Average total loans | $6,591,046,000 | 143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 1,278 |
| Cost of funding earning assets | 0.5209% | 2,171 |
| Net interest margin | 4.1411% | 1,322 |
| Noninterest income to average assets | 0.5389% | 2,780 |
| Noninterest expense to average assets | 2.0605% | 4,861 |
| Loan and lease loss provision to assets | 0.1088% | 2,069 |
| Net operating income to assets | 1.2579% | 1,334 |
| Return on assets (ROA) | 1.2589% | 1,354 |
| Pretax return on assets | 1.9705% | 525 |
| Return on Equity (ROE) | 8.2089% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.0237% | 1,529 |
| Net charge-offs to loans | 0.0080% | 3,796 |
| Credit loss provision to net charge-offs | 1,820.4846% | 210 |
| Earnings coverage of net charge-offs (x) | 347.7070% | 254 |
| Efficiency ratio | 48.3182% | 5,298 |
| Assets per employee ($millions) | 9.6278% | 361 |
| Cash dividends to net income (ytd only)* | 26.6202% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 5,234 |
| Loan loss allowance to noncurrent loans | 203.9019% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 3,761 |
| Noncurrent loans to loans | 0.2970% | 3,716 |
| Net loans and leases to total assets | 74.5599% | 1,825 |
| Net loans and leases to deposits | 97.3518% | 957 |
| Net loans and leases to core deposits | 111.0269% | 949 |
| Total domestic deposits to total assets | 76.5881% | 4,908 |
| Equity capital to assets | 17.0253% | 398 |
| Core capital (leverage) ratio | 10.3014% | 3,069 |
| Tier 1 risk-based capital ratio | 11.5933% | 4,795 |
| Total risk-based capital ratio | 12.1452% | 5,090 |
| Memoranda: | ||
| Average total assets | $7,598,028,800 | 161 |
| Average earning assets | $6,603,803,600 | 164 |
| Average equity | $1,165,239,200 | 136 |
| Average total loans | $5,687,072,600 | 156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 1,356 |
| Cost of funding earning assets | 0.5083% | 2,200 |
| Net interest margin | 4.0969% | 1,396 |
| Noninterest income to average assets | 0.5020% | 3,021 |
| Noninterest expense to average assets | 2.0636% | 4,819 |
| Loan and lease loss provision to assets | 0.1158% | 1,866 |
| Net operating income to assets | 1.2596% | 1,471 |
| Return on assets (ROA) | 1.2603% | 1,498 |
| Pretax return on assets | 1.8916% | 703 |
| Return on Equity (ROE) | 8.4946% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.3723% | 2,626 |
| Net charge-offs to loans | 0.0046% | 3,568 |
| Credit loss provision to net charge-offs | 3,369.3122% | 135 |
| Earnings coverage of net charge-offs (x) | 583.5800% | 179 |
| Efficiency ratio | 49.2209% | 5,279 |
| Assets per employee ($millions) | 9.0999% | 419 |
| Cash dividends to net income (ytd only)* | 36.7564% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 5,339 |
| Loan loss allowance to noncurrent loans | 187.1841% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,784 |
| Noncurrent loans to loans | 0.3160% | 3,816 |
| Net loans and leases to total assets | 71.5331% | 2,330 |
| Net loans and leases to deposits | 92.2112% | 1,542 |
| Net loans and leases to core deposits | 105.0716% | 1,326 |
| Total domestic deposits to total assets | 77.5753% | 4,795 |
| Equity capital to assets | 15.6757% | 603 |
| Core capital (leverage) ratio | 9.3521% | 4,346 |
| Tier 1 risk-based capital ratio | 10.8287% | 5,330 |
| Total risk-based capital ratio | 11.3703% | 5,527 |
| Memoranda: | ||
| Average total assets | $7,328,863,250 | 164 |
| Average earning assets | $6,382,914,500 | 168 |
| Average equity | $1,087,326,500 | 144 |
| Average total loans | $5,482,029,000 | 158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 1,400 |
| Cost of funding earning assets | 0.4867% | 2,277 |
| Net interest margin | 4.0585% | 1,436 |
| Noninterest income to average assets | 0.4547% | 3,319 |
| Noninterest expense to average assets | 2.0470% | 4,886 |
| Loan and lease loss provision to assets | 0.1319% | 1,584 |
| Net operating income to assets | 1.2223% | 1,528 |
| Return on assets (ROA) | 1.2233% | 1,564 |
| Pretax return on assets | 1.8365% | 772 |
| Return on Equity (ROE) | 8.4531% | 2,803 |
| Retained earnings to average equity (ytd only) | 3.2891% | 3,762 |
| Net charge-offs to loans | 0.0079% | 3,173 |
| Credit loss provision to net charge-offs | 2,192.6829% | 195 |
| Earnings coverage of net charge-offs (x) | 326.9024% | 258 |
| Efficiency ratio | 49.6070% | 5,326 |
| Assets per employee ($millions) | 8.7930% | 449 |
| Cash dividends to net income (ytd only)* | 61.0902% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 5,419 |
| Loan loss allowance to noncurrent loans | 180.1165% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,757 |
| Noncurrent loans to loans | 0.3183% | 3,892 |
| Net loans and leases to total assets | 72.5767% | 2,113 |
| Net loans and leases to deposits | 93.1492% | 1,348 |
| Net loans and leases to core deposits | 108.3946% | 1,082 |
| Total domestic deposits to total assets | 77.9145% | 4,829 |
| Equity capital to assets | 15.9080% | 543 |
| Core capital (leverage) ratio | 9.2844% | 4,379 |
| Tier 1 risk-based capital ratio | 10.6739% | 5,389 |
| Total risk-based capital ratio | 11.2010% | 5,602 |
| Memoranda: | ||
| Average total assets | $6,814,348,670 | 174 |
| Average earning assets | $5,975,864,670 | 173 |
| Average equity | $986,165,000 | 149 |
| Average total loans | $5,181,213,330 | 162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,191 |
| Cost of funding earning assets | 0.4682% | 2,359 |
| Net interest margin | 3.7558% | 2,277 |
| Noninterest income to average assets | 0.3085% | 4,347 |
| Noninterest expense to average assets | 1.7549% | 5,429 |
| Loan and lease loss provision to assets | 0.1363% | 1,397 |
| Net operating income to assets | 1.1764% | 1,568 |
| Return on assets (ROA) | 1.1764% | 1,611 |
| Pretax return on assets | 1.7695% | 860 |
| Return on Equity (ROE) | 8.7562% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.0003% | 1,848 |
| Net charge-offs to loans | 0.0158% | 2,485 |
| Credit loss provision to net charge-offs | 1,105.4645% | 285 |
| Earnings coverage of net charge-offs (x) | 154.5246% | 351 |
| Efficiency ratio | 47.0322% | 5,499 |
| Assets per employee ($millions) | 10.8854% | 228 |
| Cash dividends to net income (ytd only)* | 20.0527% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 5,286 |
| Loan loss allowance to noncurrent loans | 276.0155% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 4,210 |
| Noncurrent loans to loans | 0.2574% | 4,193 |
| Net loans and leases to total assets | 77.6082% | 1,182 |
| Net loans and leases to deposits | 98.8260% | 700 |
| Net loans and leases to core deposits | 122.9256% | 392 |
| Total domestic deposits to total assets | 78.5301% | 4,906 |
| Equity capital to assets | 13.3723% | 1,118 |
| Core capital (leverage) ratio | 9.6097% | 3,980 |
| Tier 1 risk-based capital ratio | 10.5686% | 5,512 |
| Total risk-based capital ratio | 11.2237% | 5,676 |
| Memoranda: | ||
| Average total assets | $5,934,925,500 | 189 |
| Average earning assets | $5,297,257,000 | 188 |
| Average equity | $797,335,000 | 173 |
| Average total loans | $4,642,807,000 | 175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,045 |
| Cost of funding earning assets | 0.4163% | 2,848 |
| Net interest margin | 3.9139% | 1,923 |
| Noninterest income to average assets | 0.3571% | 4,186 |
| Noninterest expense to average assets | 1.9160% | 5,342 |
| Loan and lease loss provision to assets | 0.1731% | 1,400 |
| Net operating income to assets | 1.1635% | 1,633 |
| Return on assets (ROA) | 1.1635% | 1,728 |
| Pretax return on assets | 1.7490% | 893 |
| Return on Equity (ROE) | 8.5651% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,278 |
| Net charge-offs to loans | 0.1146% | 2,111 |
| Credit loss provision to net charge-offs | 192.9681% | 1,468 |
| Earnings coverage of net charge-offs (x) | 21.4280% | 1,785 |
| Efficiency ratio | 48.9844% | 5,530 |
| Assets per employee ($millions) | 10.5599% | 256 |
| Cash dividends to net income (ytd only)* | 56.7286% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 5,379 |
| Loan loss allowance to noncurrent loans | 190.4564% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,007 |
| Noncurrent loans to loans | 0.3621% | 3,828 |
| Net loans and leases to total assets | 77.7555% | 1,236 |
| Net loans and leases to deposits | 99.1836% | 730 |
| Net loans and leases to core deposits | 124.2447% | 378 |
| Total domestic deposits to total assets | 78.3955% | 4,915 |
| Equity capital to assets | 13.4988% | 1,050 |
| Core capital (leverage) ratio | 9.6461% | 3,916 |
| Tier 1 risk-based capital ratio | 10.5525% | 5,551 |
| Total risk-based capital ratio | 11.1851% | 5,721 |
| Memoranda: | ||
| Average total assets | $5,454,092,600 | 191 |
| Average earning assets | $4,850,745,800 | 192 |
| Average equity | $740,916,000 | 172 |
| Average total loans | $4,269,393,600 | 181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 1,934 |
| Cost of funding earning assets | 0.4114% | 2,915 |
| Net interest margin | 3.9624% | 1,774 |
| Noninterest income to average assets | 0.3556% | 4,245 |
| Noninterest expense to average assets | 1.9717% | 5,260 |
| Loan and lease loss provision to assets | 0.1803% | 1,229 |
| Net operating income to assets | 1.1491% | 1,811 |
| Return on assets (ROA) | 1.1492% | 1,913 |
| Pretax return on assets | 1.7256% | 1,048 |
| Return on Equity (ROE) | 8.4448% | 2,786 |
| Retained earnings to average equity (ytd only) | 1.8580% | 4,753 |
| Net charge-offs to loans | 0.1499% | 1,496 |
| Credit loss provision to net charge-offs | 153.7466% | 1,741 |
| Earnings coverage of net charge-offs (x) | 16.2483% | 2,127 |
| Efficiency ratio | 49.9046% | 5,504 |
| Assets per employee ($millions) | 10.3749% | 267 |
| Cash dividends to net income (ytd only)* | 77.9981% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 5,470 |
| Loan loss allowance to noncurrent loans | 329.1597% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,650 |
| Noncurrent loans to loans | 0.2058% | 4,536 |
| Net loans and leases to total assets | 76.5500% | 1,429 |
| Net loans and leases to deposits | 98.0481% | 851 |
| Net loans and leases to core deposits | 123.4812% | 427 |
| Total domestic deposits to total assets | 78.0739% | 4,900 |
| Equity capital to assets | 13.4536% | 1,268 |
| Core capital (leverage) ratio | 9.3851% | 4,347 |
| Tier 1 risk-based capital ratio | 10.4326% | 5,643 |
| Total risk-based capital ratio | 11.0566% | 5,814 |
| Memoranda: | ||
| Average total assets | $5,355,063,000 | 192 |
| Average earning assets | $4,759,847,000 | 196 |
| Average equity | $728,718,000 | 174 |
| Average total loans | $4,191,629,750 | 183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 1,732 |
| Cost of funding earning assets | 0.4105% | 2,932 |
| Net interest margin | 4.0223% | 1,575 |
| Noninterest income to average assets | 0.3562% | 4,223 |
| Noninterest expense to average assets | 2.0439% | 5,184 |
| Loan and lease loss provision to assets | 0.1950% | 1,114 |
| Net operating income to assets | 1.1246% | 1,869 |
| Return on assets (ROA) | 1.1247% | 1,979 |
| Pretax return on assets | 1.6906% | 1,117 |
| Return on Equity (ROE) | 8.2317% | 2,869 |
| Retained earnings to average equity (ytd only) | -0.4083% | 5,353 |
| Net charge-offs to loans | 0.0603% | 2,331 |
| Credit loss provision to net charge-offs | 410.5854% | 763 |
| Earnings coverage of net charge-offs (x) | 39.7041% | 1,169 |
| Efficiency ratio | 51.0666% | 5,497 |
| Assets per employee ($millions) | 9.9712% | 290 |
| Cash dividends to net income (ytd only)* | 104.9602% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 5,467 |
| Loan loss allowance to noncurrent loans | 233.5398% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 4,411 |
| Noncurrent loans to loans | 0.3105% | 4,256 |
| Net loans and leases to total assets | 77.7418% | 1,238 |
| Net loans and leases to deposits | 100.4447% | 657 |
| Net loans and leases to core deposits | 124.4898% | 399 |
| Total domestic deposits to total assets | 77.3976% | 5,096 |
| Equity capital to assets | 13.7935% | 1,097 |
| Core capital (leverage) ratio | 9.4609% | 4,253 |
| Tier 1 risk-based capital ratio | 10.5446% | 5,657 |
| Total risk-based capital ratio | 11.2201% | 5,809 |
| Memoranda: | ||
| Average total assets | $5,251,856,330 | 196 |
| Average earning assets | $4,665,527,330 | 197 |
| Average equity | $717,590,000 | 175 |
| Average total loans | $4,133,543,330 | 184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,551 |
| Cost of funding earning assets | 0.4056% | 3,006 |
| Net interest margin | 4.0790% | 1,397 |
| Noninterest income to average assets | 0.3439% | 4,270 |
| Noninterest expense to average assets | 2.0465% | 5,232 |
| Loan and lease loss provision to assets | 0.2325% | 786 |
| Net operating income to assets | 1.1302% | 1,790 |
| Return on assets (ROA) | 1.1302% | 1,899 |
| Pretax return on assets | 1.6967% | 1,078 |
| Return on Equity (ROE) | 8.3133% | 2,754 |
| Retained earnings to average equity (ytd only) | -9.3782% | 5,789 |
| Net charge-offs to loans | 0.0055% | 2,923 |
| Credit loss provision to net charge-offs | 5,351.7857% | 72 |
| Earnings coverage of net charge-offs (x) | 444.0357% | 131 |
| Efficiency ratio | 50.5220% | 5,596 |
| Assets per employee ($millions) | 9.5286% | 326 |
| Cash dividends to net income (ytd only)* | 212.8098% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 5,551 |
| Loan loss allowance to noncurrent loans | 119.3156% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 3,559 |
| Noncurrent loans to loans | 0.6074% | 3,353 |
| Net loans and leases to total assets | 78.0849% | 1,090 |
| Net loans and leases to deposits | 98.3763% | 731 |
| Net loans and leases to core deposits | 122.2739% | 407 |
| Total domestic deposits to total assets | 79.3737% | 4,881 |
| Equity capital to assets | 13.1770% | 1,327 |
| Core capital (leverage) ratio | 8.5517% | 5,345 |
| Tier 1 risk-based capital ratio | 9.6643% | 5,973 |
| Total risk-based capital ratio | 10.3454% | 6,042 |
| Memoranda: | ||
| Average total assets | $5,155,638,500 | 199 |
| Average earning assets | $4,590,299,000 | 202 |
| Average equity | $700,905,000 | 176 |
| Average total loans | $4,068,611,500 | 184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,708 |
| Cost of funding earning assets | 0.3875% | 3,287 |
| Net interest margin | 4.0764% | 1,470 |
| Noninterest income to average assets | 0.3581% | 4,342 |
| Noninterest expense to average assets | 2.1514% | 5,146 |
| Loan and lease loss provision to assets | 0.2072% | 1,022 |
| Net operating income to assets | 1.0480% | 2,135 |
| Return on assets (ROA) | 1.0500% | 2,209 |
| Pretax return on assets | 1.5692% | 1,345 |
| Return on Equity (ROE) | 7.1940% | 3,411 |
| Retained earnings to average equity (ytd only) | 1.7739% | 4,721 |
| Net charge-offs to loans | 0.0212% | 3,844 |
| Credit loss provision to net charge-offs | 1,247.4324% | 270 |
| Earnings coverage of net charge-offs (x) | 106.7784% | 546 |
| Efficiency ratio | 53.9265% | 5,526 |
| Assets per employee ($millions) | 8.4192% | 477 |
| Cash dividends to net income (ytd only)* | 75.3414% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 5,680 |
| Loan loss allowance to noncurrent loans | 307.6914% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,733 |
| Noncurrent loans to loans | 0.2197% | 4,636 |
| Net loans and leases to total assets | 78.6520% | 1,040 |
| Net loans and leases to deposits | 98.4708% | 785 |
| Net loans and leases to core deposits | 121.2827% | 447 |
| Total domestic deposits to total assets | 79.8734% | 4,773 |
| Equity capital to assets | 14.0301% | 921 |
| Core capital (leverage) ratio | 9.7237% | 3,877 |
| Tier 1 risk-based capital ratio | 10.4262% | 5,809 |
| Total risk-based capital ratio | 11.0621% | 5,957 |
| Memoranda: | ||
| Average total assets | $4,455,735,400 | 214 |
| Average earning assets | $3,898,506,600 | 212 |
| Average equity | $650,357,800 | 178 |
| Average total loans | $3,486,343,400 | 191 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,611 |
| Cost of funding earning assets | 0.3919% | 3,304 |
| Net interest margin | 4.1015% | 1,404 |
| Noninterest income to average assets | 0.3680% | 4,296 |
| Noninterest expense to average assets | 2.1544% | 5,157 |
| Loan and lease loss provision to assets | 0.2248% | 823 |
| Net operating income to assets | 1.0496% | 2,217 |
| Return on assets (ROA) | 1.0514% | 2,306 |
| Pretax return on assets | 1.5695% | 1,479 |
| Return on Equity (ROE) | 7.1226% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.0674% | 2,863 |
| Net charge-offs to loans | 0.0287% | 3,366 |
| Credit loss provision to net charge-offs | 1,002.9006% | 357 |
| Earnings coverage of net charge-offs (x) | 79.9267% | 744 |
| Efficiency ratio | 53.7346% | 5,540 |
| Assets per employee ($millions) | 8.5724% | 434 |
| Cash dividends to net income (ytd only)* | 28.8549% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 5,709 |
| Loan loss allowance to noncurrent loans | 507.4434% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 5,112 |
| Noncurrent loans to loans | 0.1399% | 5,071 |
| Net loans and leases to total assets | 78.4236% | 1,036 |
| Net loans and leases to deposits | 99.0838% | 718 |
| Net loans and leases to core deposits | 129.0724% | 292 |
| Total domestic deposits to total assets | 79.1488% | 4,940 |
| Equity capital to assets | 14.4788% | 863 |
| Core capital (leverage) ratio | 10.2139% | 3,359 |
| Tier 1 risk-based capital ratio | 11.0528% | 5,632 |
| Total risk-based capital ratio | 11.7254% | 5,827 |
| Memoranda: | ||
| Average total assets | $4,306,793,250 | 220 |
| Average earning assets | $3,756,975,500 | 220 |
| Average equity | $635,764,750 | 179 |
| Average total loans | $3,357,891,500 | 197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,532 |
| Cost of funding earning assets | 0.3883% | 3,386 |
| Net interest margin | 4.1135% | 1,318 |
| Noninterest income to average assets | 0.3744% | 4,265 |
| Noninterest expense to average assets | 2.1357% | 5,259 |
| Loan and lease loss provision to assets | 0.1566% | 1,362 |
| Net operating income to assets | 1.1180% | 1,884 |
| Return on assets (ROA) | 1.1208% | 1,964 |
| Pretax return on assets | 1.6754% | 1,133 |
| Return on Equity (ROE) | 7.5419% | 3,296 |
| Retained earnings to average equity (ytd only) | 5.6424% | 2,438 |
| Net charge-offs to loans | 0.0070% | 3,654 |
| Credit loss provision to net charge-offs | 2,869.8276% | 148 |
| Earnings coverage of net charge-offs (x) | 334.8879% | 207 |
| Efficiency ratio | 53.0075% | 5,651 |
| Assets per employee ($millions) | 8.6720% | 412 |
| Cash dividends to net income (ytd only)* | 25.1868% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 5,904 |
| Loan loss allowance to noncurrent loans | 331.5661% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,996 |
| Noncurrent loans to loans | 0.1941% | 5,000 |
| Net loans and leases to total assets | 76.8780% | 1,242 |
| Net loans and leases to deposits | 96.7069% | 894 |
| Net loans and leases to core deposits | 122.7809% | 395 |
| Total domestic deposits to total assets | 79.4959% | 4,982 |
| Equity capital to assets | 14.6577% | 781 |
| Core capital (leverage) ratio | 9.9861% | 3,625 |
| Tier 1 risk-based capital ratio | 11.2896% | 5,583 |
| Total risk-based capital ratio | 11.9020% | 5,800 |
| Memoranda: | ||
| Average total assets | $4,250,791,330 | 223 |
| Average earning assets | $3,708,826,330 | 223 |
| Average equity | $631,720,330 | 180 |
| Average total loans | $3,299,059,670 | 200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,520 |
| Cost of funding earning assets | 0.3806% | 3,520 |
| Net interest margin | 4.0994% | 1,278 |
| Noninterest income to average assets | 0.3745% | 4,205 |
| Noninterest expense to average assets | 2.1480% | 5,279 |
| Loan and lease loss provision to assets | 0.1594% | 1,274 |
| Net operating income to assets | 1.0905% | 1,903 |
| Return on assets (ROA) | 1.0905% | 2,016 |
| Pretax return on assets | 1.6248% | 1,209 |
| Return on Equity (ROE) | 7.2856% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.5117% | 3,318 |
| Net charge-offs to loans | -0.0006% | 4,314 |
| Credit loss provision to net charge-offs | -33,400.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7211% | 5,699 |
| Assets per employee ($millions) | 8.2447% | 489 |
| Cash dividends to net income (ytd only)* | 38.0744% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 6,050 |
| Loan loss allowance to noncurrent loans | 305.0369% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,888 |
| Noncurrent loans to loans | 0.2003% | 5,061 |
| Net loans and leases to total assets | 77.3359% | 1,016 |
| Net loans and leases to deposits | 96.9342% | 772 |
| Net loans and leases to core deposits | 123.2039% | 346 |
| Total domestic deposits to total assets | 79.7818% | 5,098 |
| Equity capital to assets | 14.8381% | 746 |
| Core capital (leverage) ratio | 9.9319% | 3,694 |
| Tier 1 risk-based capital ratio | 11.1305% | 5,747 |
| Total risk-based capital ratio | 11.7134% | 5,974 |
| Memoranda: | ||
| Average total assets | $4,190,854,500 | 221 |
| Average earning assets | $3,637,048,000 | 223 |
| Average equity | $627,261,500 | 179 |
| Average total loans | $3,257,666,500 | 198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 814 |
| Cost of funding earning assets | 0.4692% | 2,988 |
| Net interest margin | 4.5050% | 742 |
| Noninterest income to average assets | 0.4123% | 4,095 |
| Noninterest expense to average assets | 2.4987% | 4,554 |
| Loan and lease loss provision to assets | 0.1671% | 1,566 |
| Net operating income to assets | 1.1398% | 1,818 |
| Return on assets (ROA) | 1.1474% | 1,849 |
| Pretax return on assets | 1.7152% | 953 |
| Return on Equity (ROE) | 8.3866% | 2,921 |
| Retained earnings to average equity (ytd only) | 0.6715% | 5,459 |
| Net charge-offs to loans | 0.0305% | 4,215 |
| Credit loss provision to net charge-offs | 697.7865% | 381 |
| Earnings coverage of net charge-offs (x) | 78.1302% | 637 |
| Efficiency ratio | 56.2675% | 5,642 |
| Assets per employee ($millions) | 8.2220% | 491 |
| Cash dividends to net income (ytd only)* | 91.9937% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 6,168 |
| Loan loss allowance to noncurrent loans | 446.6057% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 5,160 |
| Noncurrent loans to loans | 0.1296% | 5,377 |
| Net loans and leases to total assets | 77.2023% | 1,109 |
| Net loans and leases to deposits | 97.8844% | 770 |
| Net loans and leases to core deposits | 122.1642% | 363 |
| Total domestic deposits to total assets | 78.8709% | 5,272 |
| Equity capital to assets | 15.1007% | 693 |
| Core capital (leverage) ratio | 9.9336% | 3,672 |
| Tier 1 risk-based capital ratio | 11.8787% | 5,442 |
| Total risk-based capital ratio | 12.4603% | 5,742 |
| Memoranda: | ||
| Average total assets | $3,206,934,400 | 256 |
| Average earning assets | $2,817,145,000 | 261 |
| Average equity | $438,745,200 | 226 |
| Average total loans | $2,513,929,400 | 228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 883 |
| Cost of funding earning assets | 0.4901% | 2,859 |
| Net interest margin | 4.4354% | 840 |
| Noninterest income to average assets | 0.4314% | 4,010 |
| Noninterest expense to average assets | 2.5729% | 4,278 |
| Loan and lease loss provision to assets | 0.1616% | 1,542 |
| Net operating income to assets | 1.0786% | 2,119 |
| Return on assets (ROA) | 1.0786% | 2,182 |
| Pretax return on assets | 1.6164% | 1,275 |
| Return on Equity (ROE) | 8.1778% | 3,109 |
| Retained earnings to average equity (ytd only) | -2.8251% | 6,129 |
| Net charge-offs to loans | 0.0415% | 3,668 |
| Credit loss provision to net charge-offs | 495.6044% | 581 |
| Earnings coverage of net charge-offs (x) | 54.5290% | 926 |
| Efficiency ratio | 58.2504% | 5,413 |
| Assets per employee ($millions) | 8.4474% | 432 |
| Cash dividends to net income (ytd only)* | 134.5459% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 6,248 |
| Loan loss allowance to noncurrent loans | 720.8904% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 5,508 |
| Noncurrent loans to loans | 0.0808% | 5,701 |
| Net loans and leases to total assets | 76.8506% | 1,117 |
| Net loans and leases to deposits | 101.3620% | 531 |
| Net loans and leases to core deposits | 121.7171% | 356 |
| Total domestic deposits to total assets | 75.8180% | 5,843 |
| Equity capital to assets | 15.0888% | 719 |
| Core capital (leverage) ratio | 9.9793% | 3,710 |
| Tier 1 risk-based capital ratio | 11.9831% | 5,499 |
| Total risk-based capital ratio | 12.5689% | 5,807 |
| Memoranda: | ||
| Average total assets | $2,976,801,500 | 267 |
| Average earning assets | $2,630,565,250 | 272 |
| Average equity | $392,612,750 | 235 |
| Average total loans | $2,341,149,000 | 240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 787 |
| Cost of funding earning assets | 0.5081% | 2,751 |
| Net interest margin | 4.4674% | 755 |
| Noninterest income to average assets | 0.3920% | 4,297 |
| Noninterest expense to average assets | 2.7499% | 3,701 |
| Loan and lease loss provision to assets | 0.1934% | 1,265 |
| Net operating income to assets | 0.9579% | 2,519 |
| Return on assets (ROA) | 0.9579% | 2,607 |
| Pretax return on assets | 1.4299% | 1,786 |
| Return on Equity (ROE) | 7.7765% | 3,220 |
| Retained earnings to average equity (ytd only) | -10.6864% | 6,433 |
| Net charge-offs to loans | 0.0346% | 3,519 |
| Credit loss provision to net charge-offs | 705.6300% | 448 |
| Earnings coverage of net charge-offs (x) | 59.2225% | 814 |
| Efficiency ratio | 62.0429% | 5,000 |
| Assets per employee ($millions) | 8.0971% | 473 |
| Cash dividends to net income (ytd only)* | 237.4195% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 6,348 |
| Loan loss allowance to noncurrent loans | 632.8131% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 5,622 |
| Noncurrent loans to loans | 0.0899% | 5,746 |
| Net loans and leases to total assets | 77.6006% | 958 |
| Net loans and leases to deposits | 99.0846% | 599 |
| Net loans and leases to core deposits | 119.8734% | 383 |
| Total domestic deposits to total assets | 78.3175% | 5,578 |
| Equity capital to assets | 13.9050% | 1,012 |
| Core capital (leverage) ratio | 9.7333% | 3,993 |
| Tier 1 risk-based capital ratio | 10.1904% | 6,338 |
| Total risk-based capital ratio | 10.7643% | 6,477 |
| Memoranda: | ||
| Average total assets | $2,721,671,670 | 280 |
| Average earning assets | $2,425,442,000 | 280 |
| Average equity | $335,266,330 | 263 |
| Average total loans | $2,157,286,670 | 248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 899 |
| Cost of funding earning assets | 0.5351% | 2,550 |
| Net interest margin | 4.3449% | 908 |
| Noninterest income to average assets | 0.4132% | 4,080 |
| Noninterest expense to average assets | 2.6075% | 4,243 |
| Loan and lease loss provision to assets | 0.2221% | 1,016 |
| Net operating income to assets | 1.0391% | 2,046 |
| Return on assets (ROA) | 1.0391% | 2,119 |
| Pretax return on assets | 1.5547% | 1,279 |
| Return on Equity (ROE) | 9.4166% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.2841% | 2,389 |
| Net charge-offs to loans | 0.0822% | 2,330 |
| Credit loss provision to net charge-offs | 336.8280% | 733 |
| Earnings coverage of net charge-offs (x) | 26.9462% | 1,118 |
| Efficiency ratio | 58.6682% | 5,585 |
| Assets per employee ($millions) | 6.5491% | 996 |
| Cash dividends to net income (ytd only)* | 33.2651% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 6,141 |
| Loan loss allowance to noncurrent loans | 548.8536% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 5,482 |
| Noncurrent loans to loans | 0.1427% | 5,669 |
| Net loans and leases to total assets | 79.9798% | 551 |
| Net loans and leases to deposits | 98.7836% | 501 |
| Net loans and leases to core deposits | 115.3332% | 422 |
| Total domestic deposits to total assets | 80.9646% | 5,248 |
| Equity capital to assets | 11.1690% | 2,559 |
| Core capital (leverage) ratio | 9.5207% | 4,249 |
| Tier 1 risk-based capital ratio | 11.5820% | 5,872 |
| Total risk-based capital ratio | 12.3786% | 6,056 |
| Memoranda: | ||
| Average total assets | $2,256,604,500 | 329 |
| Average earning assets | $2,062,470,500 | 327 |
| Average equity | $249,008,000 | 325 |
| Average total loans | $1,810,908,500 | 278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 822 |
| Cost of funding earning assets | 0.5958% | 2,704 |
| Net interest margin | 4.4601% | 804 |
| Noninterest income to average assets | 0.5092% | 3,695 |
| Noninterest expense to average assets | 2.7445% | 3,932 |
| Loan and lease loss provision to assets | 0.2016% | 1,847 |
| Net operating income to assets | 1.2493% | 1,395 |
| Return on assets (ROA) | 1.2493% | 1,450 |
| Pretax return on assets | 1.6208% | 1,117 |
| Return on Equity (ROE) | 12.2114% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.2586% | 1,816 |
| Net charge-offs to loans | 0.0881% | 3,974 |
| Credit loss provision to net charge-offs | 285.2239% | 796 |
| Earnings coverage of net charge-offs (x) | 25.7858% | 1,315 |
| Efficiency ratio | 59.2849% | 5,563 |
| Assets per employee ($millions) | 6.3590% | 1,059 |
| Cash dividends to net income (ytd only)* | 48.7483% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 6,152 |
| Loan loss allowance to noncurrent loans | 522.0643% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,427 |
| Noncurrent loans to loans | 0.1549% | 5,729 |
| Net loans and leases to total assets | 79.2102% | 680 |
| Net loans and leases to deposits | 98.7409% | 551 |
| Net loans and leases to core deposits | 112.4905% | 515 |
| Total domestic deposits to total assets | 80.2203% | 5,392 |
| Equity capital to assets | 10.8885% | 2,716 |
| Core capital (leverage) ratio | 9.9710% | 3,615 |
| Tier 1 risk-based capital ratio | 11.7183% | 5,796 |
| Total risk-based capital ratio | 12.5416% | 5,967 |
| Memoranda: | ||
| Average total assets | $1,896,086,800 | 370 |
| Average earning assets | $1,725,032,600 | 365 |
| Average equity | $193,973,800 | 397 |
| Average total loans | $1,521,488,200 | 305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 699 |
| Cost of funding earning assets | 0.6136% | 2,703 |
| Net interest margin | 4.5477% | 682 |
| Noninterest income to average assets | 0.5518% | 3,444 |
| Noninterest expense to average assets | 2.8251% | 3,576 |
| Loan and lease loss provision to assets | 0.2142% | 1,701 |
| Net operating income to assets | 1.3297% | 1,268 |
| Return on assets (ROA) | 1.3297% | 1,326 |
| Pretax return on assets | 1.6456% | 1,228 |
| Return on Equity (ROE) | 13.2493% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.3334% | 1,714 |
| Net charge-offs to loans | 0.1154% | 3,394 |
| Credit loss provision to net charge-offs | 231.0535% | 1,047 |
| Earnings coverage of net charge-offs (x) | 20.0629% | 1,604 |
| Efficiency ratio | 59.4833% | 5,502 |
| Assets per employee ($millions) | 5.9600% | 1,263 |
| Cash dividends to net income (ytd only)* | 44.6509% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 6,196 |
| Loan loss allowance to noncurrent loans | 457.0584% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 4,710 |
| Noncurrent loans to loans | 0.1844% | 5,778 |
| Net loans and leases to total assets | 79.6055% | 595 |
| Net loans and leases to deposits | 98.4725% | 540 |
| Net loans and leases to core deposits | 108.7425% | 634 |
| Total domestic deposits to total assets | 80.8403% | 5,257 |
| Equity capital to assets | 10.4826% | 3,298 |
| Core capital (leverage) ratio | 9.0974% | 4,972 |
| Tier 1 risk-based capital ratio | 11.6455% | 5,985 |
| Total risk-based capital ratio | 12.5316% | 6,120 |
| Memoranda: | ||
| Average total assets | $1,829,590,000 | 381 |
| Average earning assets | $1,662,775,250 | 378 |
| Average equity | $183,612,750 | 416 |
| Average total loans | $1,470,224,250 | 314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 605 |
| Cost of funding earning assets | 0.6289% | 2,691 |
| Net interest margin | 4.5987% | 598 |
| Noninterest income to average assets | 0.5703% | 3,382 |
| Noninterest expense to average assets | 2.8619% | 3,466 |
| Loan and lease loss provision to assets | 0.2354% | 1,577 |
| Net operating income to assets | 1.4551% | 971 |
| Return on assets (ROA) | 1.4551% | 1,048 |
| Pretax return on assets | 1.6486% | 1,236 |
| Return on Equity (ROE) | 14.7361% | 860 |
| Retained earnings to average equity (ytd only) | 6.3462% | 2,234 |
| Net charge-offs to loans | 0.1146% | 3,215 |
| Credit loss provision to net charge-offs | 255.6364% | 978 |
| Earnings coverage of net charge-offs (x) | 20.4594% | 1,461 |
| Efficiency ratio | 59.4746% | 5,545 |
| Assets per employee ($millions) | 5.4585% | 1,625 |
| Cash dividends to net income (ytd only)* | 56.9346% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 6,282 |
| Loan loss allowance to noncurrent loans | 723.4694% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 4,955 |
| Noncurrent loans to loans | 0.1160% | 6,045 |
| Net loans and leases to total assets | 79.5951% | 574 |
| Net loans and leases to deposits | 98.8835% | 492 |
| Net loans and leases to core deposits | 108.3929% | 635 |
| Total domestic deposits to total assets | 80.4938% | 5,478 |
| Equity capital to assets | 10.4819% | 3,324 |
| Core capital (leverage) ratio | 9.1847% | 4,716 |
| Tier 1 risk-based capital ratio | 11.6119% | 6,051 |
| Total risk-based capital ratio | 12.4935% | 6,191 |
| Memoranda: | ||
| Average total assets | $1,791,798,670 | 383 |
| Average earning assets | $1,626,981,330 | 385 |
| Average equity | $176,925,670 | 430 |
| Average total loans | $1,440,348,670 | 321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 406 |
| Cost of funding earning assets | 0.6486% | 2,671 |
| Net interest margin | 4.7869% | 414 |
| Noninterest income to average assets | 0.5584% | 3,374 |
| Noninterest expense to average assets | 3.0200% | 2,923 |
| Loan and lease loss provision to assets | 0.2367% | 1,537 |
| Net operating income to assets | 1.6369% | 664 |
| Return on assets (ROA) | 1.6369% | 725 |
| Pretax return on assets | 1.6369% | 1,223 |
| Return on Equity (ROE) | 17.1515% | 500 |
| Retained earnings to average equity (ytd only) | -0.7200% | 5,917 |
| Net charge-offs to loans | 0.1494% | 2,505 |
| Credit loss provision to net charge-offs | 196.9407% | 1,108 |
| Earnings coverage of net charge-offs (x) | 15.5889% | 1,394 |
| Efficiency ratio | 60.8875% | 5,462 |
| Assets per employee ($millions) | 5.5111% | 1,659 |
| Cash dividends to net income (ytd only)* | 104.1977% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 6,382 |
| Loan loss allowance to noncurrent loans | 686.3688% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 4,935 |
| Noncurrent loans to loans | 0.1228% | 6,104 |
| Net loans and leases to total assets | 80.4566% | 389 |
| Net loans and leases to deposits | 99.3499% | 379 |
| Net loans and leases to core deposits | 107.9095% | 566 |
| Total domestic deposits to total assets | 80.9830% | 5,502 |
| Equity capital to assets | 9.4452% | 4,931 |
| Core capital (leverage) ratio | 7.8007% | 6,288 |
| Tier 1 risk-based capital ratio | 9.8608% | 6,712 |
| Total risk-based capital ratio | 10.7559% | 6,752 |
| Memoranda: | ||
| Average total assets | $1,740,648,000 | 402 |
| Average earning assets | $1,576,389,500 | 402 |
| Average equity | $166,119,500 | 461 |
| Average total loans | $1,400,336,500 | 327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 584 |
| Cost of funding earning assets | 0.8260% | 2,458 |
| Net interest margin | 4.7059% | 639 |
| Noninterest income to average assets | 0.5508% | 3,572 |
| Noninterest expense to average assets | 3.0300% | 3,164 |
| Loan and lease loss provision to assets | 0.2205% | 2,930 |
| Net operating income to assets | 1.5375% | 850 |
| Return on assets (ROA) | 1.5372% | 935 |
| Pretax return on assets | 1.5372% | 1,568 |
| Return on Equity (ROE) | 15.9594% | 667 |
| Retained earnings to average equity (ytd only) | -2.4802% | 6,223 |
| Net charge-offs to loans | 0.0661% | 5,024 |
| Credit loss provision to net charge-offs | 416.0784% | 581 |
| Earnings coverage of net charge-offs (x) | 33.1673% | 938 |
| Efficiency ratio | 62.3341% | 5,191 |
| Assets per employee ($millions) | 5.4708% | 1,709 |
| Cash dividends to net income (ytd only)* | 115.5406% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,424 |
| Loan loss allowance to noncurrent loans | 173.8827% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,513 |
| Noncurrent loans to loans | 0.4788% | 5,326 |
| Net loans and leases to total assets | 79.0845% | 554 |
| Net loans and leases to deposits | 98.1579% | 497 |
| Net loans and leases to core deposits | 104.4914% | 761 |
| Total domestic deposits to total assets | 80.5686% | 5,526 |
| Equity capital to assets | 9.6433% | 4,671 |
| Core capital (leverage) ratio | 7.9906% | 6,201 |
| Tier 1 risk-based capital ratio | 10.1873% | 6,654 |
| Total risk-based capital ratio | 11.0720% | 6,715 |
| Memoranda: | ||
| Average total assets | $1,443,291,800 | 468 |
| Average earning assets | $1,299,555,800 | 465 |
| Average equity | $139,021,800 | 523 |
| Average total loans | $1,157,526,600 | 378 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 596 |
| Cost of funding earning assets | 0.8712% | 2,384 |
| Net interest margin | 4.6905% | 682 |
| Noninterest income to average assets | 0.4739% | 4,111 |
| Noninterest expense to average assets | 2.9590% | 3,373 |
| Loan and lease loss provision to assets | 0.2192% | 2,864 |
| Net operating income to assets | 1.5163% | 990 |
| Return on assets (ROA) | 1.5161% | 1,102 |
| Pretax return on assets | 1.5161% | 1,822 |
| Return on Equity (ROE) | 15.7453% | 778 |
| Retained earnings to average equity (ytd only) | -4.8922% | 6,606 |
| Net charge-offs to loans | 0.0500% | 4,956 |
| Credit loss provision to net charge-offs | 546.0048% | 487 |
| Earnings coverage of net charge-offs (x) | 43.2375% | 831 |
| Efficiency ratio | 62.0383% | 5,142 |
| Assets per employee ($millions) | 5.1706% | 1,967 |
| Cash dividends to net income (ytd only)* | 131.0705% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,417 |
| Loan loss allowance to noncurrent loans | 209.3720% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 4,555 |
| Noncurrent loans to loans | 0.4234% | 5,603 |
| Net loans and leases to total assets | 81.2912% | 402 |
| Net loans and leases to deposits | 99.4771% | 470 |
| Net loans and leases to core deposits | 106.1234% | 733 |
| Total domestic deposits to total assets | 81.7185% | 5,121 |
| Equity capital to assets | 9.9106% | 4,634 |
| Core capital (leverage) ratio | 8.2098% | 6,130 |
| Tier 1 risk-based capital ratio | 10.2540% | 6,739 |
| Total risk-based capital ratio | 11.1961% | 6,790 |
| Memoranda: | ||
| Average total assets | $1,371,919,250 | 488 |
| Average earning assets | $1,234,460,750 | 490 |
| Average equity | $132,099,500 | 547 |
| Average total loans | $1,102,239,250 | 392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 625 |
| Cost of funding earning assets | 0.9020% | 2,380 |
| Net interest margin | 4.6599% | 732 |
| Noninterest income to average assets | 0.4321% | 4,421 |
| Noninterest expense to average assets | 2.9714% | 3,369 |
| Loan and lease loss provision to assets | 0.1869% | 3,233 |
| Net operating income to assets | 1.4613% | 1,063 |
| Return on assets (ROA) | 1.4613% | 1,198 |
| Pretax return on assets | 1.4613% | 1,977 |
| Return on Equity (ROE) | 15.3447% | 877 |
| Retained earnings to average equity (ytd only) | -9.9781% | 6,835 |
| Net charge-offs to loans | 0.0770% | 4,380 |
| Credit loss provision to net charge-offs | 304.4118% | 961 |
| Earnings coverage of net charge-offs (x) | 26.8505% | 1,150 |
| Efficiency ratio | 63.3101% | 5,019 |
| Assets per employee ($millions) | 5.0344% | 2,131 |
| Cash dividends to net income (ytd only)* | 165.0263% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,599 |
| Loan loss allowance to noncurrent loans | 251.4358% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 4,645 |
| Noncurrent loans to loans | 0.3320% | 5,887 |
| Net loans and leases to total assets | 80.5138% | 448 |
| Net loans and leases to deposits | 97.5578% | 550 |
| Net loans and leases to core deposits | 103.9278% | 864 |
| Total domestic deposits to total assets | 82.5293% | 4,940 |
| Equity capital to assets | 10.0326% | 4,283 |
| Core capital (leverage) ratio | 8.3041% | 5,904 |
| Tier 1 risk-based capital ratio | 10.4935% | 6,697 |
| Total risk-based capital ratio | 11.3835% | 6,776 |
| Memoranda: | ||
| Average total assets | $1,329,405,330 | 507 |
| Average earning assets | $1,194,622,000 | 507 |
| Average equity | $126,597,330 | 567 |
| Average total loans | $1,059,708,330 | 405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 788 |
| Cost of funding earning assets | 0.9278% | 2,459 |
| Net interest margin | 4.5488% | 921 |
| Noninterest income to average assets | 0.5189% | 3,784 |
| Noninterest expense to average assets | 2.9744% | 3,361 |
| Loan and lease loss provision to assets | 0.1819% | 3,152 |
| Net operating income to assets | 1.4378% | 1,146 |
| Return on assets (ROA) | 1.4378% | 1,284 |
| Pretax return on assets | 1.4378% | 2,064 |
| Return on Equity (ROE) | 15.5804% | 871 |
| Retained earnings to average equity (ytd only) | 6.7101% | 2,579 |
| Net charge-offs to loans | 0.1232% | 3,368 |
| Credit loss provision to net charge-offs | 187.2964% | 1,406 |
| Earnings coverage of net charge-offs (x) | 16.6743% | 1,344 |
| Efficiency ratio | 63.7647% | 4,966 |
| Assets per employee ($millions) | 4.7451% | 2,599 |
| Cash dividends to net income (ytd only)* | 56.9322% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,478 |
| Loan loss allowance to noncurrent loans | 283.2675% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 4,722 |
| Noncurrent loans to loans | 0.3276% | 6,015 |
| Net loans and leases to total assets | 77.1498% | 686 |
| Net loans and leases to deposits | 91.5224% | 836 |
| Net loans and leases to core deposits | 98.0636% | 1,122 |
| Total domestic deposits to total assets | 84.2961% | 4,366 |
| Equity capital to assets | 9.1078% | 5,347 |
| Core capital (leverage) ratio | 8.1979% | 6,025 |
| Tier 1 risk-based capital ratio | 10.4593% | 6,753 |
| Total risk-based capital ratio | 11.4175% | 6,834 |
| Memoranda: | ||
| Average total assets | $1,264,124,000 | 529 |
| Average earning assets | $1,132,524,500 | 529 |
| Average equity | $116,659,500 | 614 |
| Average total loans | $996,878,000 | 420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 692 |
| Cost of funding earning assets | 1.0998% | 2,676 |
| Net interest margin | 4.6595% | 816 |
| Noninterest income to average assets | 0.4830% | 3,974 |
| Noninterest expense to average assets | 3.0039% | 3,579 |
| Loan and lease loss provision to assets | 0.1407% | 4,860 |
| Net operating income to assets | 1.4532% | 920 |
| Return on assets (ROA) | 1.4532% | 1,000 |
| Pretax return on assets | 1.4532% | 1,620 |
| Return on Equity (ROE) | 15.2990% | 699 |
| Retained earnings to average equity (ytd only) | 5.7012% | 2,173 |
| Net charge-offs to loans | 0.1065% | 5,295 |
| Credit loss provision to net charge-offs | 168.5393% | 1,598 |
| Earnings coverage of net charge-offs (x) | 19.0909% | 1,182 |
| Efficiency ratio | 64.2813% | 5,072 |
| Assets per employee ($millions) | 4.6178% | 2,730 |
| Cash dividends to net income (ytd only)* | 62.7347% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 6,499 |
| Loan loss allowance to noncurrent loans | 202.2321% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 4,529 |
| Noncurrent loans to loans | 0.4531% | 5,801 |
| Net loans and leases to total assets | 79.1561% | 586 |
| Net loans and leases to deposits | 94.6497% | 766 |
| Net loans and leases to core deposits | 101.5578% | 1,060 |
| Total domestic deposits to total assets | 83.6306% | 4,486 |
| Equity capital to assets | 9.3543% | 5,086 |
| Core capital (leverage) ratio | 8.2809% | 5,880 |
| Tier 1 risk-based capital ratio | 10.3730% | 6,744 |
| Total risk-based capital ratio | 11.3155% | 6,827 |
| Memoranda: | ||
| Average total assets | $1,172,571,800 | 556 |
| Average earning assets | $1,035,519,400 | 565 |
| Average equity | $111,379,600 | 620 |
| Average total loans | $919,175,600 | 457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 730 |
| Cost of funding earning assets | 1.1404% | 2,697 |
| Net interest margin | 4.6376% | 876 |
| Noninterest income to average assets | 0.4393% | 4,368 |
| Noninterest expense to average assets | 2.9730% | 3,664 |
| Loan and lease loss provision to assets | 0.1903% | 4,125 |
| Net operating income to assets | 1.3667% | 1,225 |
| Return on assets (ROA) | 1.3667% | 1,312 |
| Pretax return on assets | 1.3667% | 2,058 |
| Return on Equity (ROE) | 14.3300% | 972 |
| Retained earnings to average equity (ytd only) | 4.8782% | 3,255 |
| Net charge-offs to loans | 0.1434% | 4,626 |
| Credit loss provision to net charge-offs | 170.1031% | 1,778 |
| Earnings coverage of net charge-offs (x) | 13.9206% | 1,572 |
| Efficiency ratio | 64.5481% | 4,974 |
| Assets per employee ($millions) | 4.4629% | 2,987 |
| Cash dividends to net income (ytd only)* | 65.9580% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,436 |
| Loan loss allowance to noncurrent loans | 343.4569% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 4,581 |
| Noncurrent loans to loans | 0.2781% | 6,307 |
| Net loans and leases to total assets | 79.0163% | 606 |
| Net loans and leases to deposits | 92.6091% | 958 |
| Net loans and leases to core deposits | 99.5210% | 1,295 |
| Total domestic deposits to total assets | 85.3224% | 3,601 |
| Equity capital to assets | 9.5351% | 5,029 |
| Core capital (leverage) ratio | 8.3185% | 5,950 |
| Tier 1 risk-based capital ratio | 10.4275% | 6,806 |
| Total risk-based capital ratio | 11.4011% | 6,902 |
| Memoranda: | ||
| Average total assets | $1,156,322,250 | 567 |
| Average earning assets | $1,019,957,500 | 580 |
| Average equity | $110,283,000 | 633 |
| Average total loans | $901,801,500 | 466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7221% | 843 |
| Cost of funding earning assets | 1.1599% | 2,843 |
| Net interest margin | 4.5622% | 987 |
| Noninterest income to average assets | 0.4099% | 4,597 |
| Noninterest expense to average assets | 2.9587% | 3,797 |
| Loan and lease loss provision to assets | 0.2359% | 3,553 |
| Net operating income to assets | 1.2401% | 1,464 |
| Return on assets (ROA) | 1.2401% | 1,538 |
| Pretax return on assets | 1.2401% | 2,344 |
| Return on Equity (ROE) | 13.0016% | 1,198 |
| Retained earnings to average equity (ytd only) | 4.1275% | 3,571 |
| Net charge-offs to loans | 0.1881% | 4,031 |
| Credit loss provision to net charge-offs | 162.0648% | 1,871 |
| Earnings coverage of net charge-offs (x) | 10.1405% | 1,848 |
| Efficiency ratio | 65.5975% | 4,954 |
| Assets per employee ($millions) | 4.4653% | 2,899 |
| Cash dividends to net income (ytd only)* | 68.2542% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,458 |
| Loan loss allowance to noncurrent loans | 232.5078% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,526 |
| Noncurrent loans to loans | 0.4163% | 6,073 |
| Net loans and leases to total assets | 76.8282% | 941 |
| Net loans and leases to deposits | 90.7429% | 1,191 |
| Net loans and leases to core deposits | 97.4605% | 1,541 |
| Total domestic deposits to total assets | 84.6658% | 4,042 |
| Equity capital to assets | 9.3523% | 5,072 |
| Core capital (leverage) ratio | 8.3629% | 5,767 |
| Tier 1 risk-based capital ratio | 10.5976% | 6,753 |
| Total risk-based capital ratio | 11.5890% | 6,848 |
| Memoranda: | ||
| Average total assets | $1,144,569,000 | 581 |
| Average earning assets | $1,009,740,670 | 596 |
| Average equity | $109,171,000 | 640 |
| Average total loans | $885,527,000 | 484 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 970 |
| Cost of funding earning assets | 1.2110% | 2,742 |
| Net interest margin | 4.4413% | 1,191 |
| Noninterest income to average assets | 0.3779% | 4,892 |
| Noninterest expense to average assets | 2.9964% | 3,654 |
| Loan and lease loss provision to assets | 0.2671% | 3,003 |
| Net operating income to assets | 1.0283% | 2,078 |
| Return on assets (ROA) | 1.0283% | 2,125 |
| Pretax return on assets | 1.0283% | 3,030 |
| Return on Equity (ROE) | 10.6714% | 1,847 |
| Retained earnings to average equity (ytd only) | 0.9204% | 5,462 |
| Net charge-offs to loans | 0.0632% | 4,297 |
| Credit loss provision to net charge-offs | 547.4453% | 668 |
| Earnings coverage of net charge-offs (x) | 26.5474% | 922 |
| Efficiency ratio | 68.6364% | 4,530 |
| Assets per employee ($millions) | 4.4306% | 3,009 |
| Cash dividends to net income (ytd only)* | 91.3751% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,285 |
| Loan loss allowance to noncurrent loans | 128.2909% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 4,335 |
| Noncurrent loans to loans | 0.8031% | 5,428 |
| Net loans and leases to total assets | 75.4634% | 1,114 |
| Net loans and leases to deposits | 88.0298% | 1,460 |
| Net loans and leases to core deposits | 94.2187% | 1,864 |
| Total domestic deposits to total assets | 85.7249% | 3,680 |
| Equity capital to assets | 9.4385% | 4,520 |
| Core capital (leverage) ratio | 8.3930% | 5,639 |
| Tier 1 risk-based capital ratio | 10.9015% | 6,570 |
| Total risk-based capital ratio | 11.9560% | 6,676 |
| Memoranda: | ||
| Average total assets | $1,122,965,000 | 600 |
| Average earning assets | $989,620,000 | 611 |
| Average equity | $108,214,500 | 640 |
| Average total loans | $867,557,000 | 506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 817 |
| Cost of funding earning assets | 1.4203% | 3,137 |
| Net interest margin | 4.6006% | 1,014 |
| Noninterest income to average assets | 1.1536% | 1,110 |
| Noninterest expense to average assets | 3.1035% | 3,442 |
| Loan and lease loss provision to assets | 0.4127% | 3,631 |
| Net operating income to assets | 1.6730% | 547 |
| Return on assets (ROA) | 1.6730% | 588 |
| Pretax return on assets | 1.6730% | 991 |
| Return on Equity (ROE) | 16.4986% | 529 |
| Retained earnings to average equity (ytd only) | 8.8614% | 743 |
| Net charge-offs to loans | 0.3044% | 4,493 |
| Credit loss provision to net charge-offs | 169.6601% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.5736% | 1,956 |
| Efficiency ratio | 58.9561% | 6,205 |
| Assets per employee ($millions) | 4.2739% | 3,257 |
| Cash dividends to net income (ytd only)* | 46.2900% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,468 |
| Loan loss allowance to noncurrent loans | 105.3008% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 4,160 |
| Noncurrent loans to loans | 0.9278% | 5,192 |
| Net loans and leases to total assets | 77.5428% | 1,011 |
| Net loans and leases to deposits | 91.4941% | 1,326 |
| Net loans and leases to core deposits | 100.0410% | 1,610 |
| Total domestic deposits to total assets | 84.7517% | 3,974 |
| Equity capital to assets | 9.8434% | 3,949 |
| Core capital (leverage) ratio | 8.5622% | 5,256 |
| Tier 1 risk-based capital ratio | 11.0140% | 6,313 |
| Total risk-based capital ratio | 12.0113% | 6,491 |
| Memoranda: | ||
| Average total assets | $979,548,600 | 674 |
| Average earning assets | $859,254,000 | 703 |
| Average equity | $99,329,600 | 679 |
| Average total loans | $782,784,000 | 555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 905 |
| Cost of funding earning assets | 1.4262% | 3,417 |
| Net interest margin | 4.5926% | 1,062 |
| Noninterest income to average assets | 1.3356% | 761 |
| Noninterest expense to average assets | 3.0507% | 3,568 |
| Loan and lease loss provision to assets | 0.5072% | 2,923 |
| Net operating income to assets | 1.8025% | 499 |
| Return on assets (ROA) | 1.8025% | 545 |
| Pretax return on assets | 1.8025% | 921 |
| Return on Equity (ROE) | 17.6264% | 514 |
| Retained earnings to average equity (ytd only) | 10.2703% | 736 |
| Net charge-offs to loans | 0.4024% | 3,677 |
| Credit loss provision to net charge-offs | 156.8142% | 2,442 |
| Earnings coverage of net charge-offs (x) | 7.1415% | 2,382 |
| Efficiency ratio | 56.1526% | 6,535 |
| Assets per employee ($millions) | 4.6630% | 2,663 |
| Cash dividends to net income (ytd only)* | 41.7335% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,583 |
| Loan loss allowance to noncurrent loans | 86.3393% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,625 |
| Noncurrent loans to loans | 1.0970% | 5,047 |
| Net loans and leases to total assets | 78.5155% | 952 |
| Net loans and leases to deposits | 93.6747% | 1,241 |
| Net loans and leases to core deposits | 104.3824% | 1,445 |
| Total domestic deposits to total assets | 83.8171% | 4,225 |
| Equity capital to assets | 10.0304% | 4,125 |
| Core capital (leverage) ratio | 9.5798% | 3,795 |
| Tier 1 risk-based capital ratio | 10.8848% | 6,475 |
| Total risk-based capital ratio | 11.8443% | 6,696 |
| Memoranda: | ||
| Average total assets | $949,837,500 | 705 |
| Average earning assets | $832,393,500 | 724 |
| Average equity | $97,132,250 | 692 |
| Average total loans | $763,448,000 | 567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1386% | 700 |
| Cost of funding earning assets | 1.4840% | 3,346 |
| Net interest margin | 4.6546% | 888 |
| Noninterest income to average assets | 0.3510% | 5,344 |
| Noninterest expense to average assets | 3.0816% | 3,386 |
| Loan and lease loss provision to assets | 0.4711% | 2,960 |
| Net operating income to assets | 0.8874% | 2,595 |
| Return on assets (ROA) | 0.8874% | 2,717 |
| Pretax return on assets | 0.8874% | 3,549 |
| Return on Equity (ROE) | 8.6128% | 2,614 |
| Retained earnings to average equity (ytd only) | 0.9268% | 5,391 |
| Net charge-offs to loans | 0.5394% | 2,908 |
| Credit loss provision to net charge-offs | 108.0767% | 3,767 |
| Earnings coverage of net charge-offs (x) | 3.1166% | 3,444 |
| Efficiency ratio | 68.4672% | 4,487 |
| Assets per employee ($millions) | 4.3317% | 3,159 |
| Cash dividends to net income (ytd only)* | 89.2388% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,691 |
| Loan loss allowance to noncurrent loans | 103.8519% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 4,422 |
| Noncurrent loans to loans | 0.8861% | 5,495 |
| Net loans and leases to total assets | 81.3013% | 629 |
| Net loans and leases to deposits | 97.8230% | 891 |
| Net loans and leases to core deposits | 111.1274% | 1,089 |
| Total domestic deposits to total assets | 83.1106% | 4,525 |
| Equity capital to assets | 10.3551% | 3,582 |
| Core capital (leverage) ratio | 8.9235% | 4,718 |
| Tier 1 risk-based capital ratio | 11.0632% | 6,170 |
| Total risk-based capital ratio | 12.0179% | 6,460 |
| Memoranda: | ||
| Average total assets | $908,952,670 | 738 |
| Average earning assets | $798,521,670 | 762 |
| Average equity | $93,651,330 | 704 |
| Average total loans | $734,556,000 | 596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 813 |
| Cost of funding earning assets | 1.5019% | 3,541 |
| Net interest margin | 4.5785% | 994 |
| Noninterest income to average assets | 0.3535% | 5,312 |
| Noninterest expense to average assets | 3.0727% | 3,380 |
| Loan and lease loss provision to assets | 0.4673% | 2,632 |
| Net operating income to assets | 0.8345% | 2,818 |
| Return on assets (ROA) | 0.8345% | 2,915 |
| Pretax return on assets | 0.8345% | 3,729 |
| Return on Equity (ROE) | 8.1198% | 2,823 |
| Retained earnings to average equity (ytd only) | 0.0086% | 5,815 |
| Net charge-offs to loans | 0.7853% | 1,953 |
| Credit loss provision to net charge-offs | 74.2116% | 4,006 |
| Earnings coverage of net charge-offs (x) | 2.0673% | 3,507 |
| Efficiency ratio | 69.2828% | 4,452 |
| Assets per employee ($millions) | 4.2818% | 3,321 |
| Cash dividends to net income (ytd only)* | 99.8942% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,914 |
| Loan loss allowance to noncurrent loans | 401.6383% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 5,010 |
| Noncurrent loans to loans | 0.2177% | 6,903 |
| Net loans and leases to total assets | 79.6039% | 891 |
| Net loans and leases to deposits | 95.7243% | 1,140 |
| Net loans and leases to core deposits | 108.8542% | 1,363 |
| Total domestic deposits to total assets | 83.1596% | 4,541 |
| Equity capital to assets | 10.3262% | 3,436 |
| Core capital (leverage) ratio | 8.8428% | 4,801 |
| Tier 1 risk-based capital ratio | 11.2286% | 5,924 |
| Total risk-based capital ratio | 12.1294% | 6,249 |
| Memoranda: | ||
| Average total assets | $906,432,500 | 757 |
| Average earning assets | $796,066,500 | 778 |
| Average equity | $93,154,500 | 712 |
| Average total loans | $726,839,000 | 621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7247% | 442 |
| Cost of funding earning assets | 1.9856% | 3,028 |
| Net interest margin | 4.7391% | 782 |
| Noninterest income to average assets | 0.5455% | 4,060 |
| Noninterest expense to average assets | 3.0884% | 3,797 |
| Loan and lease loss provision to assets | 0.4212% | 4,301 |
| Net operating income to assets | 1.2340% | 1,167 |
| Return on assets (ROA) | 1.2340% | 1,223 |
| Pretax return on assets | 1.2340% | 1,860 |
| Return on Equity (ROE) | 12.1211% | 1,133 |
| Retained earnings to average equity (ytd only) | 4.6542% | 2,001 |
| Net charge-offs to loans | 0.2258% | 5,207 |
| Credit loss provision to net charge-offs | 230.1937% | 1,600 |
| Earnings coverage of net charge-offs (x) | 9.0468% | 1,852 |
| Efficiency ratio | 64.1151% | 5,758 |
| Assets per employee ($millions) | 4.3308% | 3,223 |
| Cash dividends to net income (ytd only)* | 61.6025% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,705 |
| Loan loss allowance to noncurrent loans | 107.9930% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 4,454 |
| Noncurrent loans to loans | 0.8614% | 5,574 |
| Net loans and leases to total assets | 79.3222% | 1,129 |
| Net loans and leases to deposits | 98.5153% | 1,051 |
| Net loans and leases to core deposits | 123.9426% | 1,641 |
| Total domestic deposits to total assets | 80.5177% | 5,506 |
| Equity capital to assets | 10.2277% | 3,483 |
| Core capital (leverage) ratio | 9.0533% | 4,335 |
| Tier 1 risk-based capital ratio | 11.1867% | 5,736 |
| Total risk-based capital ratio | 12.1371% | 6,000 |
| Memoranda: | ||
| Average total assets | $818,210,800 | 835 |
| Average earning assets | $724,820,600 | 863 |
| Average equity | $83,300,800 | 774 |
| Average total loans | $662,835,200 | 704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8597% | 382 |
| Cost of funding earning assets | 2.1150% | 2,826 |
| Net interest margin | 4.7447% | 768 |
| Noninterest income to average assets | 0.5943% | 3,757 |
| Noninterest expense to average assets | 3.1478% | 3,470 |
| Loan and lease loss provision to assets | 0.4230% | 3,784 |
| Net operating income to assets | 1.2377% | 1,382 |
| Return on assets (ROA) | 1.2377% | 1,445 |
| Pretax return on assets | 1.2377% | 2,141 |
| Return on Equity (ROE) | 12.1735% | 1,313 |
| Retained earnings to average equity (ytd only) | 5.3047% | 2,314 |
| Net charge-offs to loans | 0.1423% | 5,275 |
| Credit loss provision to net charge-offs | 365.7019% | 1,110 |
| Earnings coverage of net charge-offs (x) | 14.3575% | 1,604 |
| Efficiency ratio | 64.4526% | 5,671 |
| Assets per employee ($millions) | 4.1474% | 3,465 |
| Cash dividends to net income (ytd only)* | 56.4242% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,691 |
| Loan loss allowance to noncurrent loans | 125.4305% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 4,867 |
| Noncurrent loans to loans | 0.7295% | 5,848 |
| Net loans and leases to total assets | 82.8136% | 695 |
| Net loans and leases to deposits | 103.6385% | 798 |
| Net loans and leases to core deposits | 131.1776% | 1,365 |
| Total domestic deposits to total assets | 79.9062% | 5,467 |
| Equity capital to assets | 10.1441% | 3,912 |
| Core capital (leverage) ratio | 8.8850% | 4,834 |
| Tier 1 risk-based capital ratio | 10.6177% | 6,325 |
| Total risk-based capital ratio | 11.5611% | 6,616 |
| Memoranda: | ||
| Average total assets | $796,481,750 | 872 |
| Average earning assets | $707,434,500 | 894 |
| Average equity | $80,982,500 | 808 |
| Average total loans | $647,366,750 | 743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9712% | 335 |
| Cost of funding earning assets | 2.2917% | 2,386 |
| Net interest margin | 4.6795% | 831 |
| Noninterest income to average assets | 0.6414% | 3,404 |
| Noninterest expense to average assets | 3.2684% | 3,090 |
| Loan and lease loss provision to assets | 0.4551% | 3,254 |
| Net operating income to assets | 1.0765% | 1,849 |
| Return on assets (ROA) | 1.0765% | 1,927 |
| Pretax return on assets | 1.0765% | 2,712 |
| Return on Equity (ROE) | 10.5788% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.5864% | 2,740 |
| Net charge-offs to loans | 0.1506% | 4,684 |
| Credit loss provision to net charge-offs | 375.8547% | 1,237 |
| Earnings coverage of net charge-offs (x) | 12.6496% | 1,802 |
| Efficiency ratio | 67.0188% | 5,356 |
| Assets per employee ($millions) | 4.2149% | 3,265 |
| Cash dividends to net income (ytd only)* | 56.6450% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,915 |
| Loan loss allowance to noncurrent loans | 241.9085% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 5,438 |
| Noncurrent loans to loans | 0.3583% | 6,613 |
| Net loans and leases to total assets | 82.9596% | 792 |
| Net loans and leases to deposits | 103.0110% | 988 |
| Net loans and leases to core deposits | 127.4233% | 1,751 |
| Total domestic deposits to total assets | 80.5347% | 5,258 |
| Equity capital to assets | 10.3092% | 3,612 |
| Core capital (leverage) ratio | 8.6891% | 5,106 |
| Tier 1 risk-based capital ratio | 10.7024% | 6,179 |
| Total risk-based capital ratio | 11.5932% | 6,479 |
| Memoranda: | ||
| Average total assets | $773,042,000 | 911 |
| Average earning assets | $686,993,670 | 929 |
| Average equity | $78,667,000 | 844 |
| Average total loans | $621,669,670 | 791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1924% | 256 |
| Cost of funding earning assets | 2.5040% | 1,902 |
| Net interest margin | 4.6884% | 781 |
| Noninterest income to average assets | 0.5777% | 3,706 |
| Noninterest expense to average assets | 3.3408% | 2,535 |
| Loan and lease loss provision to assets | 0.5431% | 2,299 |
| Net operating income to assets | 0.8717% | 2,834 |
| Return on assets (ROA) | 0.8717% | 2,980 |
| Pretax return on assets | 0.8717% | 3,822 |
| Return on Equity (ROE) | 8.6296% | 2,875 |
| Retained earnings to average equity (ytd only) | 1.8779% | 4,809 |
| Net charge-offs to loans | 0.1940% | 3,477 |
| Credit loss provision to net charge-offs | 356.3830% | 1,423 |
| Earnings coverage of net charge-offs (x) | 9.2837% | 2,076 |
| Efficiency ratio | 69.1136% | 4,756 |
| Assets per employee ($millions) | 3.8104% | 4,069 |
| Cash dividends to net income (ytd only)* | 78.2393% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 7,158 |
| Loan loss allowance to noncurrent loans | 208.6233% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 4,815 |
| Noncurrent loans to loans | 0.3835% | 6,461 |
| Net loans and leases to total assets | 80.4904% | 1,299 |
| Net loans and leases to deposits | 97.0067% | 1,798 |
| Net loans and leases to core deposits | 117.8335% | 2,614 |
| Total domestic deposits to total assets | 82.9741% | 4,161 |
| Equity capital to assets | 10.0053% | 4,004 |
| Core capital (leverage) ratio | 8.4974% | 5,540 |
| Tier 1 risk-based capital ratio | 10.6360% | 6,250 |
| Total risk-based capital ratio | 11.4579% | 6,625 |
| Memoranda: | ||
| Average total assets | $740,180,000 | 946 |
| Average earning assets | $659,581,500 | 972 |
| Average equity | $74,765,500 | 892 |
| Average total loans | $581,544,000 | 857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8321% | 1,576 |
| Cost of funding earning assets | 2.6815% | 3,249 |
| Net interest margin | 4.1507% | 2,499 |
| Noninterest income to average assets | 0.6567% | 3,422 |
| Noninterest expense to average assets | 3.1515% | 3,507 |
| Loan and lease loss provision to assets | 0.1551% | 5,378 |
| Net operating income to assets | 1.0438% | 2,387 |
| Return on assets (ROA) | 1.0438% | 2,277 |
| Pretax return on assets | 1.0438% | 3,227 |
| Return on Equity (ROE) | 10.7255% | 1,994 |
| Retained earnings to average equity (ytd only) | 2.0711% | 3,947 |
| Net charge-offs to loans | 0.1235% | 5,002 |
| Credit loss provision to net charge-offs | 159.5865% | 3,237 |
| Earnings coverage of net charge-offs (x) | 12.3327% | 2,258 |
| Efficiency ratio | 71.0139% | 4,132 |
| Assets per employee ($millions) | 3.9915% | 3,536 |
| Cash dividends to net income (ytd only)* | 80.6898% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 7,478 |
| Loan loss allowance to noncurrent loans | 122.6027% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 4,456 |
| Noncurrent loans to loans | 0.5549% | 5,699 |
| Net loans and leases to total assets | 74.5921% | 2,968 |
| Net loans and leases to deposits | 91.3811% | 3,235 |
| Net loans and leases to core deposits | 106.3423% | 4,155 |
| Total domestic deposits to total assets | 81.6276% | 4,358 |
| Equity capital to assets | 10.2299% | 3,769 |
| Core capital (leverage) ratio | 9.3992% | 4,158 |
| Tier 1 risk-based capital ratio | 11.2542% | 5,484 |
| Total risk-based capital ratio | 11.9332% | 5,927 |
| Memoranda: | ||
| Average total assets | $547,254,600 | 1,244 |
| Average earning assets | $487,007,600 | 1,263 |
| Average equity | $53,256,200 | 1,267 |
| Average total loans | $430,787,600 | 1,114 |