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Intrust Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4692% | 2,197 |
| Cost of funding earning assets | 2.8019% | 702 |
| Net interest margin | 2.6673% | 3,675 |
| Noninterest income to average assets | 0.9200% | 721 |
| Noninterest expense to average assets | 2.3560% | 2,702 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.7462% | 2,845 |
| Return on assets (ROA) | 0.7943% | 2,718 |
| Pretax return on assets | 0.9765% | 2,590 |
| Return on Equity (ROE) | 15.3600% | 877 |
| Retained earnings to average equity (ytd only) | 7.6369% | 1,232 |
| Net charge-offs to loans | 0.1752% | 788 |
| Credit loss provision to net charge-offs | 149.9019% | 1,415 |
| Earnings coverage of net charge-offs (x) | 10.7040% | 2,255 |
| Efficiency ratio | 68.6272% | 2,161 |
| Assets per employee ($millions) | 8.7566% | 1,161 |
| Cash dividends to net income (ytd only)* | 50.2851% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,475 |
| Loan loss allowance to noncurrent loans | 186.8149% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 1,644 |
| Noncurrent loans to loans | 0.7227% | 1,368 |
| Net loans and leases to total assets | 57.4200% | 3,158 |
| Net loans and leases to deposits | 62.4715% | 3,411 |
| Net loans and leases to core deposits | 77.0536% | 2,970 |
| Total domestic deposits to total assets | 91.9100% | 323 |
| Equity capital to assets | 5.3535% | 4,306 |
| Core capital (leverage) ratio | 9.6045% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1998% | 1,794 |
| Memoranda: | ||
| Average total assets | $7,197,967,600 | 215 |
| Average earning assets | $6,752,638,000 | 204 |
| Average equity | $372,195,000 | 361 |
| Average total loans | $4,073,993,600 | 247 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 2,150 |
| Cost of funding earning assets | 2.8594% | 634 |
| Net interest margin | 2.6006% | 3,766 |
| Noninterest income to average assets | 0.9100% | 716 |
| Noninterest expense to average assets | 2.3426% | 2,677 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.6853% | 3,012 |
| Return on assets (ROA) | 0.7500% | 2,848 |
| Pretax return on assets | 0.9169% | 2,768 |
| Return on Equity (ROE) | 14.6300% | 1,013 |
| Retained earnings to average equity (ytd only) | 6.0904% | 2,055 |
| Net charge-offs to loans | 0.1093% | 926 |
| Credit loss provision to net charge-offs | 272.9454% | 894 |
| Earnings coverage of net charge-offs (x) | 16.3584% | 1,882 |
| Efficiency ratio | 69.6535% | 2,063 |
| Assets per employee ($millions) | 8.9594% | 1,078 |
| Cash dividends to net income (ytd only)* | 58.3725% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,333 |
| Loan loss allowance to noncurrent loans | 365.5382% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,380 |
| Noncurrent loans to loans | 0.3836% | 2,126 |
| Net loans and leases to total assets | 55.7300% | 3,282 |
| Net loans and leases to deposits | 60.9832% | 3,533 |
| Net loans and leases to core deposits | 79.3494% | 2,857 |
| Total domestic deposits to total assets | 91.3800% | 282 |
| Equity capital to assets | 5.9411% | 4,355 |
| Core capital (leverage) ratio | 9.3865% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9490% | 1,915 |
| Memoranda: | ||
| Average total assets | $7,233,008,250 | 212 |
| Average earning assets | $6,791,461,250 | 204 |
| Average equity | $370,784,500 | 350 |
| Average total loans | $4,065,565,750 | 243 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4087% | 2,130 |
| Cost of funding earning assets | 2.8425% | 603 |
| Net interest margin | 2.5661% | 3,787 |
| Noninterest income to average assets | 0.9000% | 711 |
| Noninterest expense to average assets | 2.3547% | 2,644 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 0.6528% | 3,059 |
| Return on assets (ROA) | 0.7500% | 2,803 |
| Pretax return on assets | 0.9177% | 2,722 |
| Return on Equity (ROE) | 15.4600% | 921 |
| Retained earnings to average equity (ytd only) | 4.7501% | 2,431 |
| Net charge-offs to loans | 0.1151% | 807 |
| Credit loss provision to net charge-offs | 248.9270% | 896 |
| Earnings coverage of net charge-offs (x) | 14.7597% | 1,803 |
| Efficiency ratio | 70.8717% | 1,999 |
| Assets per employee ($millions) | 8.7241% | 1,105 |
| Cash dividends to net income (ytd only)* | 69.2649% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 1,596 |
| Loan loss allowance to noncurrent loans | 297.0650% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 2,117 |
| Noncurrent loans to loans | 0.4493% | 1,873 |
| Net loans and leases to total assets | 57.7700% | 3,136 |
| Net loans and leases to deposits | 62.4891% | 3,447 |
| Net loans and leases to core deposits | 80.2003% | 2,800 |
| Total domestic deposits to total assets | 92.4500% | 198 |
| Equity capital to assets | 4.9201% | 4,381 |
| Core capital (leverage) ratio | 9.3103% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5557% | 2,050 |
| Memoranda: | ||
| Average total assets | $7,219,004,000 | 214 |
| Average earning assets | $6,779,212,667 | 203 |
| Average equity | $350,307,000 | 367 |
| Average total loans | $4,050,184,000 | 243 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 2,107 |
| Cost of funding earning assets | 2.8466% | 553 |
| Net interest margin | 2.5026% | 3,864 |
| Noninterest income to average assets | 0.8700% | 709 |
| Noninterest expense to average assets | 2.3646% | 2,613 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.6569% | 2,988 |
| Return on assets (ROA) | 0.7255% | 2,780 |
| Pretax return on assets | 0.8955% | 2,676 |
| Return on Equity (ROE) | 15.0500% | 987 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,372 |
| Net charge-offs to loans | 0.1253% | 636 |
| Credit loss provision to net charge-offs | 71.8276% | 1,321 |
| Earnings coverage of net charge-offs (x) | 12.5052% | 1,549 |
| Efficiency ratio | 72.9998% | 1,843 |
| Assets per employee ($millions) | 9.6956% | 805 |
| Cash dividends to net income (ytd only)* | 66.2076% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 1,864 |
| Loan loss allowance to noncurrent loans | 1,285.6323% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,291 |
| Noncurrent loans to loans | 0.0994% | 3,108 |
| Net loans and leases to total assets | 55.7900% | 3,210 |
| Net loans and leases to deposits | 61.0064% | 3,459 |
| Net loans and leases to core deposits | 79.5588% | 2,754 |
| Total domestic deposits to total assets | 91.4500% | 433 |
| Equity capital to assets | 4.8016% | 4,394 |
| Core capital (leverage) ratio | 9.1216% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5281% | 2,065 |
| Memoranda: | ||
| Average total assets | $7,286,539,000 | 215 |
| Average earning assets | $6,846,530,000 | 205 |
| Average equity | $351,190,500 | 370 |
| Average total loans | $4,001,408,500 | 251 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 1,874 |
| Cost of funding earning assets | 2.3387% | 509 |
| Net interest margin | 2.7518% | 3,749 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.2924% | 2,871 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8342% | 2,763 |
| Return on assets (ROA) | 0.8745% | 2,594 |
| Pretax return on assets | 1.0993% | 2,410 |
| Return on Equity (ROE) | 20.9800% | 537 |
| Retained earnings to average equity (ytd only) | 13.1965% | 481 |
| Net charge-offs to loans | 0.1233% | 795 |
| Credit loss provision to net charge-offs | 148.9450% | 1,479 |
| Earnings coverage of net charge-offs (x) | 17.1823% | 1,978 |
| Efficiency ratio | 66.3119% | 2,308 |
| Assets per employee ($millions) | 9.7600% | 760 |
| Cash dividends to net income (ytd only)* | 37.0952% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,728 |
| Loan loss allowance to noncurrent loans | 1,232.0513% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,199 |
| Noncurrent loans to loans | 0.1061% | 3,009 |
| Net loans and leases to total assets | 52.6900% | 3,440 |
| Net loans and leases to deposits | 57.8778% | 3,636 |
| Net loans and leases to core deposits | 77.6426% | 2,869 |
| Total domestic deposits to total assets | 91.0300% | 496 |
| Equity capital to assets | 4.8371% | 4,436 |
| Core capital (leverage) ratio | 8.8203% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4536% | 2,083 |
| Memoranda: | ||
| Average total assets | $7,231,710,800 | 209 |
| Average earning assets | $6,775,151,000 | 199 |
| Average equity | $301,451,800 | 395 |
| Average total loans | $3,921,667,800 | 240 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 1,844 |
| Cost of funding earning assets | 2.1411% | 556 |
| Net interest margin | 2.8495% | 3,643 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.3233% | 2,719 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8793% | 2,756 |
| Return on assets (ROA) | 0.9327% | 2,561 |
| Pretax return on assets | 1.1736% | 2,357 |
| Return on Equity (ROE) | 23.3400% | 467 |
| Retained earnings to average equity (ytd only) | 23.3449% | 160 |
| Net charge-offs to loans | 0.1206% | 671 |
| Credit loss provision to net charge-offs | 161.1991% | 1,272 |
| Earnings coverage of net charge-offs (x) | 18.4567% | 1,861 |
| Efficiency ratio | 65.4173% | 2,343 |
| Assets per employee ($millions) | 8.9783% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 1,829 |
| Loan loss allowance to noncurrent loans | 825.4871% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 2,989 |
| Noncurrent loans to loans | 0.1585% | 2,758 |
| Net loans and leases to total assets | 55.6100% | 3,234 |
| Net loans and leases to deposits | 60.2898% | 3,492 |
| Net loans and leases to core deposits | 84.4856% | 2,295 |
| Total domestic deposits to total assets | 92.2400% | 411 |
| Equity capital to assets | 3.6253% | 4,445 |
| Core capital (leverage) ratio | 9.2277% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4885% | 2,081 |
| Memoranda: | ||
| Average total assets | $7,180,358,750 | 209 |
| Average earning assets | $6,722,308,000 | 201 |
| Average equity | $286,878,750 | 413 |
| Average total loans | $3,909,512,250 | 244 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,903 |
| Cost of funding earning assets | 1.8287% | 701 |
| Net interest margin | 3.0104% | 3,402 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.2942% | 2,825 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9990% | 2,425 |
| Return on assets (ROA) | 1.0785% | 2,183 |
| Pretax return on assets | 1.3573% | 1,927 |
| Return on Equity (ROE) | 26.2100% | 325 |
| Retained earnings to average equity (ytd only) | 26.2089% | 107 |
| Net charge-offs to loans | 0.1160% | 617 |
| Credit loss provision to net charge-offs | 185.8407% | 1,082 |
| Earnings coverage of net charge-offs (x) | 21.9774% | 1,708 |
| Efficiency ratio | 62.2745% | 2,682 |
| Assets per employee ($millions) | 8.7237% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,213.0097% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,157 |
| Noncurrent loans to loans | 0.1083% | 2,937 |
| Net loans and leases to total assets | 54.3600% | 3,243 |
| Net loans and leases to deposits | 60.0433% | 3,412 |
| Net loans and leases to core deposits | 85.7086% | 2,090 |
| Total domestic deposits to total assets | 90.5300% | 775 |
| Equity capital to assets | 4.4548% | 4,449 |
| Core capital (leverage) ratio | 9.1049% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3205% | 2,167 |
| Memoranda: | ||
| Average total assets | $7,236,461,333 | 203 |
| Average earning assets | $6,777,927,000 | 194 |
| Average equity | $297,769,333 | 388 |
| Average total loans | $3,895,598,333 | 239 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,891 |
| Cost of funding earning assets | 1.5033% | 840 |
| Net interest margin | 3.1812% | 3,156 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.3105% | 2,785 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.0952% | 2,248 |
| Return on assets (ROA) | 1.1090% | 2,164 |
| Pretax return on assets | 1.3980% | 1,886 |
| Return on Equity (ROE) | 28.0800% | 286 |
| Retained earnings to average equity (ytd only) | 28.0802% | 134 |
| Net charge-offs to loans | 0.1142% | 553 |
| Credit loss provision to net charge-offs | 198.3769% | 834 |
| Earnings coverage of net charge-offs (x) | 24.7006% | 1,384 |
| Efficiency ratio | 60.3430% | 2,916 |
| Assets per employee ($millions) | 8.7458% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,049 |
| Loan loss allowance to noncurrent loans | 1,210.4017% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,202 |
| Noncurrent loans to loans | 0.1072% | 2,993 |
| Net loans and leases to total assets | 53.9100% | 3,206 |
| Net loans and leases to deposits | 61.6048% | 3,248 |
| Net loans and leases to core deposits | 83.4182% | 2,029 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 4.4291% | 4,503 |
| Core capital (leverage) ratio | 8.7718% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8584% | 2,447 |
| Memoranda: | ||
| Average total assets | $7,299,794,500 | 206 |
| Average earning assets | $6,842,171,500 | 196 |
| Average equity | $288,289,000 | 405 |
| Average total loans | $3,885,360,500 | 246 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 2,956 |
| Cost of funding earning assets | 0.4771% | 1,542 |
| Net interest margin | 3.0682% | 3,269 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.0693% | 3,386 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2075% | 1,745 |
| Return on assets (ROA) | 1.2322% | 1,607 |
| Pretax return on assets | 1.5730% | 1,229 |
| Return on Equity (ROE) | 26.2500% | 174 |
| Retained earnings to average equity (ytd only) | 26.2457% | 40 |
| Net charge-offs to loans | 0.0480% | 1,201 |
| Credit loss provision to net charge-offs | 517.7265% | 662 |
| Earnings coverage of net charge-offs (x) | 70.4114% | 1,156 |
| Efficiency ratio | 55.1517% | 3,666 |
| Assets per employee ($millions) | 9.2256% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 1,785 |
| Loan loss allowance to noncurrent loans | 1,120.7349% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,192 |
| Noncurrent loans to loans | 0.1182% | 2,931 |
| Net loans and leases to total assets | 51.2000% | 3,419 |
| Net loans and leases to deposits | 56.7392% | 3,530 |
| Net loans and leases to core deposits | 72.5445% | 2,680 |
| Total domestic deposits to total assets | 90.2400% | 1,264 |
| Equity capital to assets | 3.4893% | 4,570 |
| Core capital (leverage) ratio | 8.3611% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4064% | 2,610 |
| Memoranda: | ||
| Average total assets | $7,518,407,600 | 200 |
| Average earning assets | $7,121,124,800 | 189 |
| Average equity | $352,976,000 | 339 |
| Average total loans | $3,702,886,000 | 241 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 3,229 |
| Cost of funding earning assets | 0.2815% | 2,368 |
| Net interest margin | 3.0014% | 3,217 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.0077% | 3,466 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2281% | 1,596 |
| Return on assets (ROA) | 1.2431% | 1,516 |
| Pretax return on assets | 1.5882% | 1,147 |
| Return on Equity (ROE) | 24.9000% | 187 |
| Retained earnings to average equity (ytd only) | 24.8961% | 47 |
| Net charge-offs to loans | 0.0487% | 999 |
| Credit loss provision to net charge-offs | 463.7248% | 635 |
| Earnings coverage of net charge-offs (x) | 70.9604% | 1,101 |
| Efficiency ratio | 54.1830% | 3,808 |
| Assets per employee ($millions) | 9.1492% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,184 |
| Loan loss allowance to noncurrent loans | 748.1174% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,038 |
| Noncurrent loans to loans | 0.1694% | 2,743 |
| Net loans and leases to total assets | 52.1300% | 3,264 |
| Net loans and leases to deposits | 62.2102% | 3,006 |
| Net loans and leases to core deposits | 66.3733% | 2,930 |
| Total domestic deposits to total assets | 83.8000% | 3,543 |
| Equity capital to assets | 3.8033% | 4,498 |
| Core capital (leverage) ratio | 8.2417% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1949% | 2,751 |
| Memoranda: | ||
| Average total assets | $7,534,444,000 | 197 |
| Average earning assets | $7,158,236,500 | 189 |
| Average equity | $376,193,750 | 329 |
| Average total loans | $3,661,646,000 | 242 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0130% | 3,527 |
| Cost of funding earning assets | 0.1748% | 3,252 |
| Net interest margin | 2.8382% | 3,317 |
| Noninterest income to average assets | 0.8262% | 988 |
| Noninterest expense to average assets | 1.9337% | 3,619 |
| Loan and lease loss provision to assets | 0.0945% | 1,051 |
| Net operating income to assets | 1.1778% | 1,508 |
| Return on assets (ROA) | 1.1779% | 1,482 |
| Pretax return on assets | 1.5061% | 1,149 |
| Return on Equity (ROE) | 21.9288% | 197 |
| Retained earnings to average equity (ytd only) | 21.9288% | 51 |
| Net charge-offs to loans | 0.0786% | 685 |
| Credit loss provision to net charge-offs | 254.4170% | 864 |
| Earnings coverage of net charge-offs (x) | 43.1011% | 1,225 |
| Efficiency ratio | 54.4302% | 3,925 |
| Assets per employee ($millions) | 8.9142% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,427 |
| Loan loss allowance to noncurrent loans | 735.2086% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,111 |
| Noncurrent loans to loans | 0.1699% | 2,842 |
| Net loans and leases to total assets | 50.6172% | 3,311 |
| Net loans and leases to deposits | 55.8894% | 3,384 |
| Net loans and leases to core deposits | 59.2658% | 3,325 |
| Total domestic deposits to total assets | 90.5668% | 1,431 |
| Equity capital to assets | 3.7119% | 4,647 |
| Core capital (leverage) ratio | 7.9055% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0493% | 2,804 |
| Memoranda: | ||
| Average total assets | $7,621,378,000 | 191 |
| Average earning assets | $7,271,696,667 | 183 |
| Average equity | $409,378,667 | 300 |
| Average total loans | $3,602,004,333 | 240 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7363% | 3,872 |
| Cost of funding earning assets | 0.1404% | 3,624 |
| Net interest margin | 2.5959% | 3,666 |
| Noninterest income to average assets | 0.8068% | 1,031 |
| Noninterest expense to average assets | 1.8705% | 3,751 |
| Loan and lease loss provision to assets | 0.0918% | 900 |
| Net operating income to assets | 1.0480% | 1,699 |
| Return on assets (ROA) | 1.0483% | 1,691 |
| Pretax return on assets | 1.3371% | 1,419 |
| Return on Equity (ROE) | 17.0952% | 413 |
| Retained earnings to average equity (ytd only) | 17.0952% | 176 |
| Net charge-offs to loans | 0.0482% | 808 |
| Credit loss provision to net charge-offs | 419.5804% | 572 |
| Earnings coverage of net charge-offs (x) | 65.2657% | 822 |
| Efficiency ratio | 56.4005% | 3,840 |
| Assets per employee ($millions) | 9.6554% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,528 |
| Loan loss allowance to noncurrent loans | 527.4043% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 3,025 |
| Noncurrent loans to loans | 0.2396% | 2,636 |
| Net loans and leases to total assets | 46.0472% | 3,571 |
| Net loans and leases to deposits | 51.0237% | 3,644 |
| Net loans and leases to core deposits | 55.0491% | 3,523 |
| Total domestic deposits to total assets | 90.2467% | 1,416 |
| Equity capital to assets | 5.6124% | 4,650 |
| Core capital (leverage) ratio | 7.3817% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2626% | 2,832 |
| Memoranda: | ||
| Average total assets | $7,839,630,500 | 187 |
| Average earning assets | $7,526,701,500 | 182 |
| Average equity | $480,720,000 | 278 |
| Average total loans | $3,561,613,000 | 243 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8586% | 4,122 |
| Cost of funding earning assets | 0.1840% | 3,609 |
| Net interest margin | 2.6747% | 3,922 |
| Noninterest income to average assets | 0.8497% | 1,322 |
| Noninterest expense to average assets | 2.0705% | 3,472 |
| Loan and lease loss provision to assets | 0.2012% | 535 |
| Net operating income to assets | 0.8846% | 3,100 |
| Return on assets (ROA) | 0.9063% | 3,080 |
| Pretax return on assets | 1.1676% | 2,770 |
| Return on Equity (ROE) | 13.2690% | 1,379 |
| Retained earnings to average equity (ytd only) | 13.2690% | 371 |
| Net charge-offs to loans | 0.4104% | 202 |
| Credit loss provision to net charge-offs | 96.9995% | 1,837 |
| Earnings coverage of net charge-offs (x) | 6.4677% | 2,396 |
| Efficiency ratio | 60.3846% | 3,099 |
| Assets per employee ($millions) | 10.0791% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,709 |
| Loan loss allowance to noncurrent loans | 474.4667% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 3,121 |
| Noncurrent loans to loans | 0.2603% | 2,677 |
| Net loans and leases to total assets | 43.7305% | 3,855 |
| Net loans and leases to deposits | 48.8602% | 3,953 |
| Net loans and leases to core deposits | 53.2769% | 3,810 |
| Total domestic deposits to total assets | 89.5012% | 1,237 |
| Equity capital to assets | 6.6290% | 4,774 |
| Core capital (leverage) ratio | 7.2099% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4972% | 2,777 |
| Memoranda: | ||
| Average total assets | $7,456,882,400 | 196 |
| Average earning assets | $7,143,036,800 | 188 |
| Average equity | $509,321,600 | 265 |
| Average total loans | $3,767,906,400 | 229 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9122% | 4,151 |
| Cost of funding earning assets | 0.1978% | 3,623 |
| Net interest margin | 2.7144% | 3,940 |
| Noninterest income to average assets | 0.8627% | 1,339 |
| Noninterest expense to average assets | 2.1040% | 3,349 |
| Loan and lease loss provision to assets | 0.2186% | 449 |
| Net operating income to assets | 0.8762% | 3,313 |
| Return on assets (ROA) | 0.8951% | 3,337 |
| Pretax return on assets | 1.1585% | 3,050 |
| Return on Equity (ROE) | 13.0007% | 1,690 |
| Retained earnings to average equity (ytd only) | 13.0007% | 640 |
| Net charge-offs to loans | 0.2285% | 361 |
| Credit loss provision to net charge-offs | 183.1781% | 1,248 |
| Earnings coverage of net charge-offs (x) | 11.3370% | 2,002 |
| Efficiency ratio | 60.5548% | 2,901 |
| Assets per employee ($millions) | 9.4454% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 2,023 |
| Loan loss allowance to noncurrent loans | 219.8055% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,274 |
| Noncurrent loans to loans | 0.6361% | 1,719 |
| Net loans and leases to total assets | 46.5258% | 3,753 |
| Net loans and leases to deposits | 52.4481% | 3,849 |
| Net loans and leases to core deposits | 57.8699% | 3,639 |
| Total domestic deposits to total assets | 88.7083% | 1,453 |
| Equity capital to assets | 7.0524% | 4,804 |
| Core capital (leverage) ratio | 7.2527% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6939% | 2,803 |
| Memoranda: | ||
| Average total assets | $7,317,890,750 | 199 |
| Average earning assets | $6,994,592,250 | 193 |
| Average equity | $503,858,500 | 269 |
| Average total loans | $3,822,915,000 | 228 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9397% | 4,160 |
| Cost of funding earning assets | 0.2146% | 3,607 |
| Net interest margin | 2.7251% | 3,933 |
| Noninterest income to average assets | 0.8743% | 1,344 |
| Noninterest expense to average assets | 2.1006% | 3,389 |
| Loan and lease loss provision to assets | 0.2899% | 303 |
| Net operating income to assets | 0.8401% | 3,399 |
| Return on assets (ROA) | 0.8507% | 3,440 |
| Pretax return on assets | 1.0982% | 3,221 |
| Return on Equity (ROE) | 12.4608% | 1,889 |
| Retained earnings to average equity (ytd only) | 12.4608% | 817 |
| Net charge-offs to loans | 0.3908% | 217 |
| Credit loss provision to net charge-offs | 137.3806% | 1,197 |
| Earnings coverage of net charge-offs (x) | 6.5149% | 1,954 |
| Efficiency ratio | 60.1400% | 3,004 |
| Assets per employee ($millions) | 9.0120% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,715 |
| Loan loss allowance to noncurrent loans | 385.7447% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,143 |
| Noncurrent loans to loans | 0.3221% | 2,763 |
| Net loans and leases to total assets | 51.5124% | 3,392 |
| Net loans and leases to deposits | 58.7017% | 3,481 |
| Net loans and leases to core deposits | 65.7738% | 3,133 |
| Total domestic deposits to total assets | 87.7528% | 1,956 |
| Equity capital to assets | 7.0064% | 4,846 |
| Core capital (leverage) ratio | 7.2525% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1527% | 2,934 |
| Memoranda: | ||
| Average total assets | $7,244,716,000 | 201 |
| Average earning assets | $6,914,327,667 | 195 |
| Average equity | $494,622,000 | 270 |
| Average total loans | $3,911,694,333 | 226 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8942% | 4,262 |
| Cost of funding earning assets | 0.2514% | 3,464 |
| Net interest margin | 2.6427% | 4,070 |
| Noninterest income to average assets | 0.8567% | 1,443 |
| Noninterest expense to average assets | 2.0542% | 3,551 |
| Loan and lease loss provision to assets | 0.2904% | 332 |
| Net operating income to assets | 0.7934% | 3,445 |
| Return on assets (ROA) | 0.7936% | 3,514 |
| Pretax return on assets | 1.0287% | 3,295 |
| Return on Equity (ROE) | 11.7786% | 2,098 |
| Retained earnings to average equity (ytd only) | 11.7786% | 1,207 |
| Net charge-offs to loans | 0.6525% | 121 |
| Credit loss provision to net charge-offs | 81.0560% | 1,205 |
| Earnings coverage of net charge-offs (x) | 3.6809% | 1,754 |
| Efficiency ratio | 60.5848% | 2,965 |
| Assets per employee ($millions) | 8.5275% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,529 |
| Loan loss allowance to noncurrent loans | 188.7671% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 2,497 |
| Noncurrent loans to loans | 0.5712% | 2,145 |
| Net loans and leases to total assets | 56.8371% | 2,941 |
| Net loans and leases to deposits | 64.3451% | 3,093 |
| Net loans and leases to core deposits | 73.2833% | 2,582 |
| Total domestic deposits to total assets | 88.3317% | 1,688 |
| Equity capital to assets | 6.9451% | 4,859 |
| Core capital (leverage) ratio | 7.1418% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8401% | 2,956 |
| Memoranda: | ||
| Average total assets | $7,230,733,000 | 198 |
| Average earning assets | $6,884,895,500 | 191 |
| Average equity | $487,155,500 | 270 |
| Average total loans | $3,970,806,500 | 226 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2901% | 4,347 |
| Cost of funding earning assets | 0.4702% | 3,151 |
| Net interest margin | 2.8199% | 4,234 |
| Noninterest income to average assets | 0.8932% | 1,284 |
| Noninterest expense to average assets | 2.2310% | 3,592 |
| Loan and lease loss provision to assets | 0.3299% | 1,089 |
| Net operating income to assets | 0.7829% | 3,160 |
| Return on assets (ROA) | 0.8423% | 3,062 |
| Pretax return on assets | 1.0884% | 2,744 |
| Return on Equity (ROE) | 12.4094% | 1,202 |
| Retained earnings to average equity (ytd only) | 8.6961% | 855 |
| Net charge-offs to loans | 0.4026% | 427 |
| Credit loss provision to net charge-offs | 140.8674% | 2,478 |
| Earnings coverage of net charge-offs (x) | 5.7351% | 2,843 |
| Efficiency ratio | 62.1031% | 3,110 |
| Assets per employee ($millions) | 9.1941% | 690 |
| Cash dividends to net income (ytd only)* | 29.9233% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,356 |
| Loan loss allowance to noncurrent loans | 202.0303% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 2,818 |
| Noncurrent loans to loans | 0.5551% | 2,318 |
| Net loans and leases to total assets | 51.9752% | 3,659 |
| Net loans and leases to deposits | 63.5940% | 3,470 |
| Net loans and leases to core deposits | 73.9938% | 2,917 |
| Total domestic deposits to total assets | 81.7297% | 3,726 |
| Equity capital to assets | 6.5450% | 4,954 |
| Core capital (leverage) ratio | 6.9971% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7874% | 2,971 |
| Memoranda: | ||
| Average total assets | $6,744,785,400 | 197 |
| Average earning assets | $6,412,280,200 | 188 |
| Average equity | $457,813,200 | 272 |
| Average total loans | $3,923,691,600 | 225 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3984% | 4,351 |
| Cost of funding earning assets | 0.5255% | 3,077 |
| Net interest margin | 2.8729% | 4,227 |
| Noninterest income to average assets | 0.9090% | 1,197 |
| Noninterest expense to average assets | 2.3270% | 3,353 |
| Loan and lease loss provision to assets | 0.2899% | 1,396 |
| Net operating income to assets | 0.7886% | 3,133 |
| Return on assets (ROA) | 0.8701% | 2,955 |
| Pretax return on assets | 1.1284% | 2,651 |
| Return on Equity (ROE) | 12.6892% | 1,196 |
| Retained earnings to average equity (ytd only) | 7.6451% | 1,442 |
| Net charge-offs to loans | 0.2310% | 664 |
| Credit loss provision to net charge-offs | 209.9912% | 2,071 |
| Earnings coverage of net charge-offs (x) | 9.5248% | 2,419 |
| Efficiency ratio | 63.5703% | 2,804 |
| Assets per employee ($millions) | 8.8373% | 736 |
| Cash dividends to net income (ytd only)* | 39.7512% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,256 |
| Loan loss allowance to noncurrent loans | 135.9132% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,335 |
| Noncurrent loans to loans | 0.8028% | 1,816 |
| Net loans and leases to total assets | 56.0402% | 3,621 |
| Net loans and leases to deposits | 69.2069% | 3,378 |
| Net loans and leases to core deposits | 83.6576% | 2,510 |
| Total domestic deposits to total assets | 80.9750% | 3,670 |
| Equity capital to assets | 6.5355% | 4,987 |
| Core capital (leverage) ratio | 6.8521% | 4,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5778% | 3,013 |
| Memoranda: | ||
| Average total assets | $6,553,094,250 | 199 |
| Average earning assets | $6,234,204,250 | 191 |
| Average equity | $449,359,250 | 272 |
| Average total loans | $3,917,507,750 | 223 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 4,260 |
| Cost of funding earning assets | 0.5949% | 2,994 |
| Net interest margin | 3.0076% | 4,113 |
| Noninterest income to average assets | 0.9263% | 1,108 |
| Noninterest expense to average assets | 2.4440% | 3,129 |
| Loan and lease loss provision to assets | 0.2621% | 1,622 |
| Net operating income to assets | 0.8256% | 2,956 |
| Return on assets (ROA) | 0.9452% | 2,647 |
| Pretax return on assets | 1.2306% | 2,257 |
| Return on Equity (ROE) | 13.5380% | 970 |
| Retained earnings to average equity (ytd only) | 5.8028% | 2,155 |
| Net charge-offs to loans | 0.2410% | 651 |
| Credit loss provision to net charge-offs | 178.3398% | 2,001 |
| Earnings coverage of net charge-offs (x) | 9.1271% | 2,247 |
| Efficiency ratio | 64.2420% | 2,794 |
| Assets per employee ($millions) | 8.8281% | 718 |
| Cash dividends to net income (ytd only)* | 57.1371% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,603 |
| Loan loss allowance to noncurrent loans | 305.5883% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,595 |
| Noncurrent loans to loans | 0.3254% | 3,223 |
| Net loans and leases to total assets | 56.1913% | 3,668 |
| Net loans and leases to deposits | 69.7183% | 3,439 |
| Net loans and leases to core deposits | 88.6407% | 2,188 |
| Total domestic deposits to total assets | 80.5977% | 3,702 |
| Equity capital to assets | 6.2641% | 5,029 |
| Core capital (leverage) ratio | 7.0424% | 5,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1376% | 3,146 |
| Memoranda: | ||
| Average total assets | $6,295,429,333 | 203 |
| Average earning assets | $5,984,489,000 | 196 |
| Average equity | $439,546,333 | 280 |
| Average total loans | $3,839,728,333 | 227 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,700 |
| Cost of funding earning assets | 0.7018% | 2,922 |
| Net interest margin | 3.3304% | 3,514 |
| Noninterest income to average assets | 1.0299% | 804 |
| Noninterest expense to average assets | 2.6613% | 2,807 |
| Loan and lease loss provision to assets | 0.1768% | 1,677 |
| Net operating income to assets | 1.0379% | 2,049 |
| Return on assets (ROA) | 1.0379% | 2,145 |
| Pretax return on assets | 1.3477% | 1,724 |
| Return on Equity (ROE) | 13.9530% | 705 |
| Retained earnings to average equity (ytd only) | 2.7712% | 3,172 |
| Net charge-offs to loans | 0.2104% | 663 |
| Credit loss provision to net charge-offs | 131.9193% | 1,655 |
| Earnings coverage of net charge-offs (x) | 11.3777% | 1,734 |
| Efficiency ratio | 63.2614% | 3,334 |
| Assets per employee ($millions) | 6.9455% | 1,115 |
| Cash dividends to net income (ytd only)* | 80.1389% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,499 |
| Loan loss allowance to noncurrent loans | 116.4199% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,311 |
| Noncurrent loans to loans | 0.8917% | 1,830 |
| Net loans and leases to total assets | 62.3713% | 3,258 |
| Net loans and leases to deposits | 71.7413% | 3,453 |
| Net loans and leases to core deposits | 89.8551% | 2,359 |
| Total domestic deposits to total assets | 86.9392% | 1,583 |
| Equity capital to assets | 7.2615% | 5,054 |
| Core capital (leverage) ratio | 8.2070% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9016% | 3,345 |
| Memoranda: | ||
| Average total assets | $5,770,653,000 | 212 |
| Average earning assets | $5,468,220,500 | 202 |
| Average equity | $429,270,500 | 288 |
| Average total loans | $3,675,245,500 | 232 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 3,214 |
| Cost of funding earning assets | 0.9041% | 2,170 |
| Net interest margin | 3.5067% | 3,428 |
| Noninterest income to average assets | 1.1401% | 720 |
| Noninterest expense to average assets | 2.8060% | 2,578 |
| Loan and lease loss provision to assets | 0.2864% | 602 |
| Net operating income to assets | 1.3381% | 1,550 |
| Return on assets (ROA) | 1.3917% | 1,440 |
| Pretax return on assets | 1.4189% | 2,088 |
| Return on Equity (ROE) | 18.1156% | 331 |
| Retained earnings to average equity (ytd only) | 0.4579% | 4,557 |
| Net charge-offs to loans | 0.2958% | 705 |
| Credit loss provision to net charge-offs | 148.1626% | 1,735 |
| Earnings coverage of net charge-offs (x) | 8.5388% | 2,765 |
| Efficiency ratio | 62.8862% | 3,231 |
| Assets per employee ($millions) | 6.6888% | 1,186 |
| Cash dividends to net income (ytd only)* | 97.4725% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,291 |
| Loan loss allowance to noncurrent loans | 432.9404% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,844 |
| Noncurrent loans to loans | 0.2396% | 3,589 |
| Net loans and leases to total assets | 63.7085% | 3,240 |
| Net loans and leases to deposits | 75.9319% | 3,189 |
| Net loans and leases to core deposits | 89.8586% | 2,439 |
| Total domestic deposits to total assets | 83.9022% | 2,876 |
| Equity capital to assets | 7.6228% | 5,101 |
| Core capital (leverage) ratio | 8.3092% | 4,942 |
| Tier 1 risk-based capital ratio | 10.0293% | 5,119 |
| Total risk-based capital ratio | 10.8718% | 5,133 |
| Memoranda: | ||
| Average total assets | $5,307,508,800 | 213 |
| Average earning assets | $5,019,476,200 | 209 |
| Average equity | $407,754,400 | 287 |
| Average total loans | $3,468,771,600 | 230 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 3,110 |
| Cost of funding earning assets | 0.9466% | 2,004 |
| Net interest margin | 3.5374% | 3,447 |
| Noninterest income to average assets | 1.1610% | 677 |
| Noninterest expense to average assets | 2.8536% | 2,399 |
| Loan and lease loss provision to assets | 0.1610% | 1,160 |
| Net operating income to assets | 1.3916% | 1,499 |
| Return on assets (ROA) | 1.4607% | 1,351 |
| Pretax return on assets | 1.5664% | 1,757 |
| Return on Equity (ROE) | 18.9735% | 315 |
| Retained earnings to average equity (ytd only) | 0.0558% | 4,745 |
| Net charge-offs to loans | 0.1714% | 992 |
| Credit loss provision to net charge-offs | 143.1493% | 1,695 |
| Earnings coverage of net charge-offs (x) | 14.7005% | 2,234 |
| Efficiency ratio | 63.2896% | 3,113 |
| Assets per employee ($millions) | 6.3879% | 1,338 |
| Cash dividends to net income (ytd only)* | 99.7061% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,524 |
| Loan loss allowance to noncurrent loans | 317.0689% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 3,719 |
| Noncurrent loans to loans | 0.3183% | 3,386 |
| Net loans and leases to total assets | 66.1617% | 3,028 |
| Net loans and leases to deposits | 79.4320% | 2,958 |
| Net loans and leases to core deposits | 92.1613% | 2,348 |
| Total domestic deposits to total assets | 83.2935% | 3,069 |
| Equity capital to assets | 7.9640% | 5,139 |
| Core capital (leverage) ratio | 8.2743% | 5,041 |
| Tier 1 risk-based capital ratio | 10.0253% | 5,187 |
| Total risk-based capital ratio | 10.8343% | 5,205 |
| Memoranda: | ||
| Average total assets | $5,218,038,250 | 217 |
| Average earning assets | $4,935,244,000 | 212 |
| Average equity | $401,728,250 | 291 |
| Average total loans | $3,424,173,750 | 234 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 3,204 |
| Cost of funding earning assets | 0.9496% | 1,915 |
| Net interest margin | 3.4934% | 3,618 |
| Noninterest income to average assets | 1.1443% | 650 |
| Noninterest expense to average assets | 2.8501% | 2,415 |
| Loan and lease loss provision to assets | 0.1602% | 1,132 |
| Net operating income to assets | 1.4920% | 1,170 |
| Return on assets (ROA) | 1.6030% | 945 |
| Pretax return on assets | 1.5537% | 1,683 |
| Return on Equity (ROE) | 21.0585% | 202 |
| Retained earnings to average equity (ytd only) | 5.5246% | 2,506 |
| Net charge-offs to loans | 0.1612% | 989 |
| Credit loss provision to net charge-offs | 152.3395% | 1,469 |
| Earnings coverage of net charge-offs (x) | 15.2427% | 1,996 |
| Efficiency ratio | 63.9742% | 3,135 |
| Assets per employee ($millions) | 6.7331% | 1,124 |
| Cash dividends to net income (ytd only)* | 73.7656% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,691 |
| Loan loss allowance to noncurrent loans | 370.2802% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,889 |
| Noncurrent loans to loans | 0.2669% | 3,574 |
| Net loans and leases to total assets | 63.9758% | 3,345 |
| Net loans and leases to deposits | 82.1920% | 2,709 |
| Net loans and leases to core deposits | 97.7988% | 1,900 |
| Total domestic deposits to total assets | 77.8370% | 4,431 |
| Equity capital to assets | 7.8065% | 5,207 |
| Core capital (leverage) ratio | 8.4189% | 4,995 |
| Tier 1 risk-based capital ratio | 10.2681% | 5,179 |
| Total risk-based capital ratio | 11.0657% | 5,213 |
| Memoranda: | ||
| Average total assets | $5,243,292,330 | 219 |
| Average earning assets | $4,966,199,000 | 210 |
| Average equity | $399,126,670 | 292 |
| Average total loans | $3,419,932,000 | 237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 3,123 |
| Cost of funding earning assets | 0.9384% | 1,845 |
| Net interest margin | 3.4898% | 3,618 |
| Noninterest income to average assets | 1.1343% | 629 |
| Noninterest expense to average assets | 3.0960% | 1,743 |
| Loan and lease loss provision to assets | 0.1620% | 1,038 |
| Net operating income to assets | 1.8214% | 549 |
| Return on assets (ROA) | 1.8214% | 566 |
| Pretax return on assets | 1.1765% | 2,891 |
| Return on Equity (ROE) | 24.2479% | 113 |
| Retained earnings to average equity (ytd only) | 10.8972% | 823 |
| Net charge-offs to loans | 0.0907% | 1,211 |
| Credit loss provision to net charge-offs | 272.3735% | 882 |
| Earnings coverage of net charge-offs (x) | 22.5045% | 1,495 |
| Efficiency ratio | 69.7864% | 2,382 |
| Assets per employee ($millions) | 6.5265% | 1,229 |
| Cash dividends to net income (ytd only)* | 55.0591% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,699 |
| Loan loss allowance to noncurrent loans | 465.8064% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,084 |
| Noncurrent loans to loans | 0.2150% | 3,819 |
| Net loans and leases to total assets | 65.2421% | 3,142 |
| Net loans and leases to deposits | 80.6001% | 2,767 |
| Net loans and leases to core deposits | 94.9859% | 2,028 |
| Total domestic deposits to total assets | 80.9454% | 3,978 |
| Equity capital to assets | 7.7831% | 5,223 |
| Core capital (leverage) ratio | 8.4472% | 5,039 |
| Tier 1 risk-based capital ratio | 10.4196% | 5,191 |
| Total risk-based capital ratio | 11.2271% | 5,243 |
| Memoranda: | ||
| Average total assets | $5,185,157,500 | 224 |
| Average earning assets | $4,903,437,500 | 215 |
| Average equity | $389,493,000 | 297 |
| Average total loans | $3,398,374,000 | 238 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 4,194 |
| Cost of funding earning assets | 0.6425% | 2,444 |
| Net interest margin | 3.2957% | 4,268 |
| Noninterest income to average assets | 1.1729% | 675 |
| Noninterest expense to average assets | 2.6633% | 3,143 |
| Loan and lease loss provision to assets | 0.1474% | 1,448 |
| Net operating income to assets | 1.4102% | 1,395 |
| Return on assets (ROA) | 1.5578% | 967 |
| Pretax return on assets | 1.6320% | 1,372 |
| Return on Equity (ROE) | 20.9180% | 201 |
| Retained earnings to average equity (ytd only) | 1.3504% | 4,594 |
| Net charge-offs to loans | 0.1844% | 1,043 |
| Credit loss provision to net charge-offs | 129.3706% | 2,042 |
| Earnings coverage of net charge-offs (x) | 14.2558% | 2,389 |
| Efficiency ratio | 62.1181% | 3,500 |
| Assets per employee ($millions) | 6.6513% | 1,142 |
| Cash dividends to net income (ytd only)* | 93.5442% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,876 |
| Loan loss allowance to noncurrent loans | 522.7555% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,213 |
| Noncurrent loans to loans | 0.1850% | 3,916 |
| Net loans and leases to total assets | 64.5508% | 3,291 |
| Net loans and leases to deposits | 79.1851% | 3,039 |
| Net loans and leases to core deposits | 95.1020% | 2,126 |
| Total domestic deposits to total assets | 81.5189% | 3,784 |
| Equity capital to assets | 7.2420% | 5,311 |
| Core capital (leverage) ratio | 8.3315% | 5,101 |
| Tier 1 risk-based capital ratio | 10.3243% | 5,239 |
| Total risk-based capital ratio | 11.1129% | 5,294 |
| Memoranda: | ||
| Average total assets | $5,146,713,200 | 222 |
| Average earning assets | $4,863,522,400 | 214 |
| Average equity | $383,286,600 | 294 |
| Average total loans | $3,180,056,800 | 245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,351 |
| Cost of funding earning assets | 0.5896% | 2,550 |
| Net interest margin | 3.2469% | 4,407 |
| Noninterest income to average assets | 1.1791% | 680 |
| Noninterest expense to average assets | 2.6199% | 3,228 |
| Loan and lease loss provision to assets | 0.1001% | 2,000 |
| Net operating income to assets | 1.4601% | 1,300 |
| Return on assets (ROA) | 1.6574% | 832 |
| Pretax return on assets | 1.7361% | 1,191 |
| Return on Equity (ROE) | 22.1010% | 160 |
| Retained earnings to average equity (ytd only) | 1.3190% | 4,772 |
| Net charge-offs to loans | 0.1089% | 1,398 |
| Credit loss provision to net charge-offs | 150.9397% | 1,697 |
| Earnings coverage of net charge-offs (x) | 24.5481% | 1,809 |
| Efficiency ratio | 61.6679% | 3,559 |
| Assets per employee ($millions) | 6.4243% | 1,224 |
| Cash dividends to net income (ytd only)* | 94.0321% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,664 |
| Loan loss allowance to noncurrent loans | 463.9713% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,256 |
| Noncurrent loans to loans | 0.2189% | 3,924 |
| Net loans and leases to total assets | 62.2229% | 3,633 |
| Net loans and leases to deposits | 80.3306% | 3,003 |
| Net loans and leases to core deposits | 93.8618% | 2,303 |
| Total domestic deposits to total assets | 77.4585% | 4,574 |
| Equity capital to assets | 7.4299% | 5,321 |
| Core capital (leverage) ratio | 8.3580% | 5,170 |
| Tier 1 risk-based capital ratio | 10.7490% | 5,151 |
| Total risk-based capital ratio | 11.5838% | 5,207 |
| Memoranda: | ||
| Average total assets | $5,133,056,500 | 219 |
| Average earning assets | $4,852,398,500 | 211 |
| Average equity | $384,938,250 | 288 |
| Average total loans | $3,127,498,500 | 247 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,567 |
| Cost of funding earning assets | 0.5440% | 2,659 |
| Net interest margin | 3.1621% | 4,589 |
| Noninterest income to average assets | 1.1597% | 715 |
| Noninterest expense to average assets | 2.5788% | 3,383 |
| Loan and lease loss provision to assets | 0.0873% | 2,175 |
| Net operating income to assets | 1.4175% | 1,372 |
| Return on assets (ROA) | 1.4175% | 1,376 |
| Pretax return on assets | 1.4864% | 1,861 |
| Return on Equity (ROE) | 18.8447% | 343 |
| Retained earnings to average equity (ytd only) | 3.3695% | 3,896 |
| Net charge-offs to loans | 0.1295% | 1,142 |
| Credit loss provision to net charge-offs | 111.7735% | 1,871 |
| Earnings coverage of net charge-offs (x) | 20.1475% | 1,821 |
| Efficiency ratio | 62.1030% | 3,611 |
| Assets per employee ($millions) | 6.6709% | 1,090 |
| Cash dividends to net income (ytd only)* | 82.1198% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,997 |
| Loan loss allowance to noncurrent loans | 186.1255% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,468 |
| Noncurrent loans to loans | 0.5227% | 2,853 |
| Net loans and leases to total assets | 61.3035% | 3,673 |
| Net loans and leases to deposits | 82.0011% | 2,770 |
| Net loans and leases to core deposits | 92.9281% | 2,316 |
| Total domestic deposits to total assets | 74.7594% | 4,970 |
| Equity capital to assets | 7.3286% | 5,416 |
| Core capital (leverage) ratio | 8.2131% | 5,254 |
| Tier 1 risk-based capital ratio | 10.7383% | 5,174 |
| Total risk-based capital ratio | 11.5406% | 5,264 |
| Memoranda: | ||
| Average total assets | $5,154,473,330 | 215 |
| Average earning assets | $4,878,471,330 | 206 |
| Average equity | $387,716,000 | 281 |
| Average total loans | $3,107,891,330 | 245 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 4,768 |
| Cost of funding earning assets | 0.4859% | 2,900 |
| Net interest margin | 3.0827% | 4,737 |
| Noninterest income to average assets | 1.1473% | 700 |
| Noninterest expense to average assets | 2.5551% | 3,476 |
| Loan and lease loss provision to assets | 0.0877% | 2,047 |
| Net operating income to assets | 1.3562% | 1,460 |
| Return on assets (ROA) | 1.3562% | 1,474 |
| Pretax return on assets | 1.4221% | 1,926 |
| Return on Equity (ROE) | 17.7986% | 433 |
| Retained earnings to average equity (ytd only) | 2.4594% | 4,186 |
| Net charge-offs to loans | -0.0075% | 4,142 |
| Credit loss provision to net charge-offs | -1,973.6842% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8590% | 3,657 |
| Assets per employee ($millions) | 6.6021% | 1,148 |
| Cash dividends to net income (ytd only)* | 86.1821% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,735 |
| Loan loss allowance to noncurrent loans | 417.1562% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,328 |
| Noncurrent loans to loans | 0.2491% | 3,865 |
| Net loans and leases to total assets | 59.6350% | 3,790 |
| Net loans and leases to deposits | 80.4475% | 2,758 |
| Net loans and leases to core deposits | 90.6209% | 2,402 |
| Total domestic deposits to total assets | 74.1292% | 5,141 |
| Equity capital to assets | 7.4222% | 5,443 |
| Core capital (leverage) ratio | 8.2740% | 5,276 |
| Tier 1 risk-based capital ratio | 11.0201% | 5,122 |
| Total risk-based capital ratio | 11.8786% | 5,212 |
| Memoranda: | ||
| Average total assets | $5,133,395,500 | 212 |
| Average earning assets | $4,858,264,500 | 204 |
| Average equity | $391,155,000 | 281 |
| Average total loans | $3,053,331,000 | 247 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 4,955 |
| Cost of funding earning assets | 0.3539% | 3,675 |
| Net interest margin | 3.0383% | 4,806 |
| Noninterest income to average assets | 1.2283% | 694 |
| Noninterest expense to average assets | 2.6195% | 3,381 |
| Loan and lease loss provision to assets | 0.0617% | 2,995 |
| Net operating income to assets | 1.3638% | 1,087 |
| Return on assets (ROA) | 1.3638% | 1,110 |
| Pretax return on assets | 1.4262% | 1,904 |
| Return on Equity (ROE) | 17.0760% | 391 |
| Retained earnings to average equity (ytd only) | 6.7773% | 1,162 |
| Net charge-offs to loans | 0.0823% | 2,279 |
| Credit loss provision to net charge-offs | 122.7998% | 2,128 |
| Earnings coverage of net charge-offs (x) | 29.6193% | 1,561 |
| Efficiency ratio | 63.7338% | 3,639 |
| Assets per employee ($millions) | 6.5521% | 1,181 |
| Cash dividends to net income (ytd only)* | 60.3109% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,715 |
| Loan loss allowance to noncurrent loans | 365.2828% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 4,302 |
| Noncurrent loans to loans | 0.2831% | 3,769 |
| Net loans and leases to total assets | 58.0864% | 3,996 |
| Net loans and leases to deposits | 74.7553% | 3,450 |
| Net loans and leases to core deposits | 82.8212% | 3,167 |
| Total domestic deposits to total assets | 77.7021% | 4,760 |
| Equity capital to assets | 7.8187% | 5,453 |
| Core capital (leverage) ratio | 8.2696% | 5,306 |
| Tier 1 risk-based capital ratio | 11.1505% | 5,063 |
| Total risk-based capital ratio | 11.9914% | 5,172 |
| Memoranda: | ||
| Average total assets | $4,863,208,000 | 212 |
| Average earning assets | $4,608,291,200 | 205 |
| Average equity | $388,399,800 | 273 |
| Average total loans | $2,969,800,200 | 242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 5,041 |
| Cost of funding earning assets | 0.3259% | 3,884 |
| Net interest margin | 3.0219% | 4,870 |
| Noninterest income to average assets | 1.2449% | 679 |
| Noninterest expense to average assets | 2.6259% | 3,335 |
| Loan and lease loss provision to assets | 0.0625% | 2,822 |
| Net operating income to assets | 1.3634% | 1,175 |
| Return on assets (ROA) | 1.3634% | 1,188 |
| Pretax return on assets | 1.4248% | 2,041 |
| Return on Equity (ROE) | 16.9757% | 427 |
| Retained earnings to average equity (ytd only) | 7.2909% | 1,540 |
| Net charge-offs to loans | 0.0055% | 3,538 |
| Credit loss provision to net charge-offs | 1,844.2623% | 214 |
| Earnings coverage of net charge-offs (x) | 438.8759% | 224 |
| Efficiency ratio | 63.7847% | 3,587 |
| Assets per employee ($millions) | 6.4270% | 1,227 |
| Cash dividends to net income (ytd only)* | 57.0509% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,628 |
| Loan loss allowance to noncurrent loans | 240.1104% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,934 |
| Noncurrent loans to loans | 0.4482% | 3,360 |
| Net loans and leases to total assets | 60.3821% | 3,818 |
| Net loans and leases to deposits | 80.7271% | 2,900 |
| Net loans and leases to core deposits | 87.0628% | 2,868 |
| Total domestic deposits to total assets | 74.7979% | 5,151 |
| Equity capital to assets | 8.1392% | 5,461 |
| Core capital (leverage) ratio | 8.4779% | 5,260 |
| Tier 1 risk-based capital ratio | 10.9889% | 5,251 |
| Total risk-based capital ratio | 11.8672% | 5,338 |
| Memoranda: | ||
| Average total assets | $4,799,716,750 | 215 |
| Average earning assets | $4,555,709,250 | 207 |
| Average equity | $385,475,500 | 275 |
| Average total loans | $2,961,389,500 | 245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 5,103 |
| Cost of funding earning assets | 0.2914% | 4,170 |
| Net interest margin | 3.0107% | 4,885 |
| Noninterest income to average assets | 1.2470% | 669 |
| Noninterest expense to average assets | 2.6375% | 3,319 |
| Loan and lease loss provision to assets | 0.0632% | 2,705 |
| Net operating income to assets | 1.3454% | 1,184 |
| Return on assets (ROA) | 1.3454% | 1,210 |
| Pretax return on assets | 1.4040% | 2,005 |
| Return on Equity (ROE) | 16.8305% | 426 |
| Retained earnings to average equity (ytd only) | 7.3364% | 1,433 |
| Net charge-offs to loans | 0.0320% | 2,562 |
| Credit loss provision to net charge-offs | 319.1489% | 924 |
| Earnings coverage of net charge-offs (x) | 74.0426% | 814 |
| Efficiency ratio | 64.1703% | 3,642 |
| Assets per employee ($millions) | 6.1490% | 1,357 |
| Cash dividends to net income (ytd only)* | 56.4104% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,869 |
| Loan loss allowance to noncurrent loans | 252.6480% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,003 |
| Noncurrent loans to loans | 0.4142% | 3,538 |
| Net loans and leases to total assets | 63.0633% | 3,504 |
| Net loans and leases to deposits | 80.5323% | 2,856 |
| Net loans and leases to core deposits | 85.3093% | 2,944 |
| Total domestic deposits to total assets | 78.3081% | 4,767 |
| Equity capital to assets | 8.3876% | 5,359 |
| Core capital (leverage) ratio | 8.2834% | 5,367 |
| Tier 1 risk-based capital ratio | 10.8710% | 5,319 |
| Total risk-based capital ratio | 11.7257% | 5,395 |
| Memoranda: | ||
| Average total assets | $4,743,595,670 | 217 |
| Average earning assets | $4,502,534,000 | 208 |
| Average equity | $379,179,670 | 282 |
| Average total loans | $2,937,698,000 | 246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 5,266 |
| Cost of funding earning assets | 0.2574% | 4,475 |
| Net interest margin | 2.9237% | 5,041 |
| Noninterest income to average assets | 1.2227% | 689 |
| Noninterest expense to average assets | 2.6206% | 3,414 |
| Loan and lease loss provision to assets | 0.0631% | 2,543 |
| Net operating income to assets | 1.2564% | 1,356 |
| Return on assets (ROA) | 1.2564% | 1,391 |
| Pretax return on assets | 1.3111% | 2,198 |
| Return on Equity (ROE) | 16.1129% | 515 |
| Retained earnings to average equity (ytd only) | 6.3953% | 2,136 |
| Net charge-offs to loans | -0.0786% | 5,366 |
| Credit loss provision to net charge-offs | -131.5789% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5132% | 3,573 |
| Assets per employee ($millions) | 6.3529% | 1,259 |
| Cash dividends to net income (ytd only)* | 60.3096% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,734 |
| Loan loss allowance to noncurrent loans | 201.9419% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,894 |
| Noncurrent loans to loans | 0.5429% | 3,191 |
| Net loans and leases to total assets | 58.9973% | 3,885 |
| Net loans and leases to deposits | 79.9784% | 2,761 |
| Net loans and leases to core deposits | 84.3077% | 2,868 |
| Total domestic deposits to total assets | 73.7665% | 5,432 |
| Equity capital to assets | 7.7341% | 5,621 |
| Core capital (leverage) ratio | 8.1400% | 5,483 |
| Tier 1 risk-based capital ratio | 10.7889% | 5,411 |
| Total risk-based capital ratio | 11.6414% | 5,513 |
| Memoranda: | ||
| Average total assets | $4,751,099,500 | 215 |
| Average earning assets | $4,504,838,500 | 209 |
| Average equity | $370,461,000 | 286 |
| Average total loans | $2,899,779,500 | 250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 5,357 |
| Cost of funding earning assets | 0.2131% | 4,900 |
| Net interest margin | 2.9369% | 5,067 |
| Noninterest income to average assets | 1.5963% | 481 |
| Noninterest expense to average assets | 2.7394% | 3,226 |
| Loan and lease loss provision to assets | 0.2423% | 874 |
| Net operating income to assets | 1.3345% | 1,129 |
| Return on assets (ROA) | 1.4100% | 1,013 |
| Pretax return on assets | 1.4714% | 1,674 |
| Return on Equity (ROE) | 16.7506% | 432 |
| Retained earnings to average equity (ytd only) | 5.2376% | 2,176 |
| Net charge-offs to loans | 0.4306% | 596 |
| Credit loss provision to net charge-offs | 93.4341% | 2,737 |
| Earnings coverage of net charge-offs (x) | 6.3054% | 3,196 |
| Efficiency ratio | 62.5403% | 4,173 |
| Assets per employee ($millions) | 6.0207% | 1,470 |
| Cash dividends to net income (ytd only)* | 68.7317% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,990 |
| Loan loss allowance to noncurrent loans | 236.1096% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,156 |
| Noncurrent loans to loans | 0.4460% | 3,547 |
| Net loans and leases to total assets | 61.8272% | 3,630 |
| Net loans and leases to deposits | 74.5360% | 3,462 |
| Net loans and leases to core deposits | 76.6433% | 3,691 |
| Total domestic deposits to total assets | 82.9496% | 3,786 |
| Equity capital to assets | 7.8637% | 5,617 |
| Core capital (leverage) ratio | 8.1159% | 5,551 |
| Tier 1 risk-based capital ratio | 10.5259% | 5,562 |
| Total risk-based capital ratio | 11.3399% | 5,661 |
| Memoranda: | ||
| Average total assets | $4,540,280,200 | 213 |
| Average earning assets | $4,294,634,000 | 204 |
| Average equity | $382,178,400 | 264 |
| Average total loans | $2,734,257,000 | 247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1454% | 5,430 |
| Cost of funding earning assets | 0.2111% | 4,965 |
| Net interest margin | 2.9343% | 5,121 |
| Noninterest income to average assets | 1.6890% | 435 |
| Noninterest expense to average assets | 2.6908% | 3,374 |
| Loan and lease loss provision to assets | 0.1771% | 1,265 |
| Net operating income to assets | 1.5284% | 829 |
| Return on assets (ROA) | 1.6296% | 723 |
| Pretax return on assets | 1.7008% | 1,113 |
| Return on Equity (ROE) | 19.0384% | 291 |
| Retained earnings to average equity (ytd only) | 10.4161% | 498 |
| Net charge-offs to loans | 0.0877% | 2,087 |
| Credit loss provision to net charge-offs | 338.7916% | 948 |
| Earnings coverage of net charge-offs (x) | 33.9018% | 1,380 |
| Efficiency ratio | 60.2065% | 4,511 |
| Assets per employee ($millions) | 6.0339% | 1,409 |
| Cash dividends to net income (ytd only)* | 45.2890% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,656 |
| Loan loss allowance to noncurrent loans | 171.4720% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,685 |
| Noncurrent loans to loans | 0.7615% | 2,770 |
| Net loans and leases to total assets | 55.8734% | 4,318 |
| Net loans and leases to deposits | 76.6067% | 3,340 |
| Net loans and leases to core deposits | 78.4469% | 3,616 |
| Total domestic deposits to total assets | 72.9354% | 5,529 |
| Equity capital to assets | 8.4657% | 5,548 |
| Core capital (leverage) ratio | 8.6036% | 5,256 |
| Tier 1 risk-based capital ratio | 11.3614% | 5,174 |
| Total risk-based capital ratio | 12.3573% | 5,223 |
| Memoranda: | ||
| Average total assets | $4,516,373,250 | 214 |
| Average earning assets | $4,270,041,250 | 205 |
| Average equity | $386,584,000 | 262 |
| Average total loans | $2,693,632,000 | 247 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2862% | 5,313 |
| Cost of funding earning assets | 0.2146% | 4,996 |
| Net interest margin | 3.0716% | 4,913 |
| Noninterest income to average assets | 1.8628% | 382 |
| Noninterest expense to average assets | 2.6731% | 3,475 |
| Loan and lease loss provision to assets | 0.2714% | 687 |
| Net operating income to assets | 1.7395% | 536 |
| Return on assets (ROA) | 1.7821% | 516 |
| Pretax return on assets | 1.8600% | 765 |
| Return on Equity (ROE) | 20.7376% | 208 |
| Retained earnings to average equity (ytd only) | 12.3145% | 288 |
| Net charge-offs to loans | 0.0550% | 2,414 |
| Credit loss provision to net charge-offs | 813.0081% | 443 |
| Earnings coverage of net charge-offs (x) | 62.5108% | 851 |
| Efficiency ratio | 56.0777% | 5,141 |
| Assets per employee ($millions) | 5.2186% | 2,069 |
| Cash dividends to net income (ytd only)* | 40.6174% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,520 |
| Loan loss allowance to noncurrent loans | 107.3731% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 2,567 |
| Noncurrent loans to loans | 1.2594% | 1,820 |
| Net loans and leases to total assets | 63.3698% | 3,453 |
| Net loans and leases to deposits | 77.6187% | 3,193 |
| Net loans and leases to core deposits | 79.3981% | 3,516 |
| Total domestic deposits to total assets | 81.6424% | 4,106 |
| Equity capital to assets | 9.5941% | 4,677 |
| Core capital (leverage) ratio | 8.6079% | 5,256 |
| Tier 1 risk-based capital ratio | 11.2166% | 5,307 |
| Total risk-based capital ratio | 12.2453% | 5,347 |
| Memoranda: | ||
| Average total assets | $4,420,831,000 | 219 |
| Average earning assets | $4,170,137,330 | 210 |
| Average equity | $379,909,670 | 265 |
| Average total loans | $2,685,141,330 | 246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 5,422 |
| Cost of funding earning assets | 0.2147% | 5,057 |
| Net interest margin | 3.0288% | 5,046 |
| Noninterest income to average assets | 1.4652% | 525 |
| Noninterest expense to average assets | 2.8004% | 3,070 |
| Loan and lease loss provision to assets | 0.2650% | 641 |
| Net operating income to assets | 1.1445% | 1,732 |
| Return on assets (ROA) | 1.1445% | 1,850 |
| Pretax return on assets | 1.1941% | 2,728 |
| Return on Equity (ROE) | 14.0791% | 822 |
| Retained earnings to average equity (ytd only) | 5.3856% | 2,725 |
| Net charge-offs to loans | 0.0529% | 1,999 |
| Credit loss provision to net charge-offs | 847.4576% | 417 |
| Earnings coverage of net charge-offs (x) | 46.6610% | 923 |
| Efficiency ratio | 65.6595% | 3,857 |
| Assets per employee ($millions) | 5.7568% | 1,617 |
| Cash dividends to net income (ytd only)* | 61.7475% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,211 |
| Loan loss allowance to noncurrent loans | 75.6833% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 2,212 |
| Noncurrent loans to loans | 1.6482% | 1,379 |
| Net loans and leases to total assets | 57.8783% | 4,053 |
| Net loans and leases to deposits | 78.5190% | 2,950 |
| Net loans and leases to core deposits | 80.1436% | 3,302 |
| Total domestic deposits to total assets | 73.7125% | 5,637 |
| Equity capital to assets | 8.0976% | 5,783 |
| Core capital (leverage) ratio | 8.2025% | 5,650 |
| Tier 1 risk-based capital ratio | 10.6687% | 5,674 |
| Total risk-based capital ratio | 11.6213% | 5,722 |
| Memoranda: | ||
| Average total assets | $4,528,149,500 | 218 |
| Average earning assets | $4,177,612,000 | 212 |
| Average equity | $368,092,000 | 270 |
| Average total loans | $2,676,714,500 | 246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9036% | 5,808 |
| Cost of funding earning assets | 0.1707% | 5,529 |
| Net interest margin | 2.7329% | 5,614 |
| Noninterest income to average assets | 1.5535% | 519 |
| Noninterest expense to average assets | 2.7570% | 3,393 |
| Loan and lease loss provision to assets | 0.1647% | 1,396 |
| Net operating income to assets | 1.1707% | 1,667 |
| Return on assets (ROA) | 1.1845% | 1,684 |
| Pretax return on assets | 1.2362% | 2,518 |
| Return on Equity (ROE) | 14.4659% | 773 |
| Retained earnings to average equity (ytd only) | 3.2000% | 3,779 |
| Net charge-offs to loans | 0.2957% | 1,026 |
| Credit loss provision to net charge-offs | 101.1736% | 2,475 |
| Earnings coverage of net charge-offs (x) | 8.5163% | 2,936 |
| Efficiency ratio | 66.4935% | 3,830 |
| Assets per employee ($millions) | 5.4862% | 1,822 |
| Cash dividends to net income (ytd only)* | 77.8787% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,551 |
| Loan loss allowance to noncurrent loans | 68.5757% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 2,055 |
| Noncurrent loans to loans | 1.7315% | 1,300 |
| Net loans and leases to total assets | 58.9335% | 3,979 |
| Net loans and leases to deposits | 73.5206% | 3,550 |
| Net loans and leases to core deposits | 75.0165% | 3,848 |
| Total domestic deposits to total assets | 80.1591% | 4,705 |
| Equity capital to assets | 8.1619% | 5,777 |
| Core capital (leverage) ratio | 8.2775% | 5,626 |
| Tier 1 risk-based capital ratio | 10.7926% | 5,627 |
| Total risk-based capital ratio | 11.6935% | 5,718 |
| Memoranda: | ||
| Average total assets | $4,553,043,800 | 210 |
| Average earning assets | $4,315,082,800 | 202 |
| Average equity | $372,808,800 | 259 |
| Average total loans | $2,507,009,800 | 245 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8434% | 5,932 |
| Cost of funding earning assets | 0.1679% | 5,651 |
| Net interest margin | 2.6755% | 5,750 |
| Noninterest income to average assets | 1.5313% | 529 |
| Noninterest expense to average assets | 2.7281% | 3,465 |
| Loan and lease loss provision to assets | 0.1308% | 1,715 |
| Net operating income to assets | 1.1589% | 1,802 |
| Return on assets (ROA) | 1.1592% | 1,867 |
| Pretax return on assets | 1.2096% | 2,785 |
| Return on Equity (ROE) | 14.1465% | 872 |
| Retained earnings to average equity (ytd only) | 4.9243% | 2,962 |
| Net charge-offs to loans | 0.1063% | 2,066 |
| Credit loss provision to net charge-offs | 228.0791% | 1,212 |
| Earnings coverage of net charge-offs (x) | 23.3685% | 1,736 |
| Efficiency ratio | 67.0296% | 3,707 |
| Assets per employee ($millions) | 5.6221% | 1,667 |
| Cash dividends to net income (ytd only)* | 65.1907% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,842 |
| Loan loss allowance to noncurrent loans | 65.4998% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 2,019 |
| Noncurrent loans to loans | 2.0630% | 1,111 |
| Net loans and leases to total assets | 54.5225% | 4,509 |
| Net loans and leases to deposits | 71.9447% | 3,777 |
| Net loans and leases to core deposits | 73.5107% | 4,059 |
| Total domestic deposits to total assets | 75.7840% | 5,523 |
| Equity capital to assets | 8.5593% | 5,669 |
| Core capital (leverage) ratio | 8.4869% | 5,559 |
| Tier 1 risk-based capital ratio | 11.4038% | 5,424 |
| Total risk-based capital ratio | 12.4239% | 5,456 |
| Memoranda: | ||
| Average total assets | $4,587,216,750 | 211 |
| Average earning assets | $4,349,549,750 | 200 |
| Average equity | $375,896,000 | 261 |
| Average total loans | $2,475,266,000 | 250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8277% | 5,996 |
| Cost of funding earning assets | 0.1660% | 5,735 |
| Net interest margin | 2.6617% | 5,811 |
| Noninterest income to average assets | 1.5129% | 558 |
| Noninterest expense to average assets | 2.6830% | 3,643 |
| Loan and lease loss provision to assets | 0.1301% | 1,701 |
| Net operating income to assets | 1.1708% | 1,698 |
| Return on assets (ROA) | 1.1708% | 1,771 |
| Pretax return on assets | 1.2215% | 2,692 |
| Return on Equity (ROE) | 14.4987% | 822 |
| Retained earnings to average equity (ytd only) | 4.8315% | 2,968 |
| Net charge-offs to loans | 0.0939% | 2,086 |
| Credit loss provision to net charge-offs | 258.8438% | 1,025 |
| Earnings coverage of net charge-offs (x) | 26.8896% | 1,469 |
| Efficiency ratio | 66.4990% | 3,918 |
| Assets per employee ($millions) | 5.4437% | 1,797 |
| Cash dividends to net income (ytd only)* | 66.6765% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,065 |
| Loan loss allowance to noncurrent loans | 62.4197% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 2,057 |
| Noncurrent loans to loans | 2.1349% | 1,123 |
| Net loans and leases to total assets | 55.1898% | 4,428 |
| Net loans and leases to deposits | 72.8738% | 3,633 |
| Net loans and leases to core deposits | 74.5031% | 3,908 |
| Total domestic deposits to total assets | 75.7334% | 5,630 |
| Equity capital to assets | 8.4877% | 5,695 |
| Core capital (leverage) ratio | 8.4001% | 5,633 |
| Tier 1 risk-based capital ratio | 11.3057% | 5,578 |
| Total risk-based capital ratio | 12.3096% | 5,604 |
| Memoranda: | ||
| Average total assets | $4,611,452,000 | 212 |
| Average earning assets | $4,368,869,000 | 202 |
| Average equity | $372,391,670 | 265 |
| Average total loans | $2,468,640,670 | 252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 6,082 |
| Cost of funding earning assets | 0.1648% | 5,815 |
| Net interest margin | 2.6181% | 5,901 |
| Noninterest income to average assets | 1.4318% | 572 |
| Noninterest expense to average assets | 2.6190% | 3,864 |
| Loan and lease loss provision to assets | 0.1276% | 1,625 |
| Net operating income to assets | 1.1161% | 1,813 |
| Return on assets (ROA) | 1.1161% | 1,918 |
| Pretax return on assets | 1.1650% | 2,810 |
| Return on Equity (ROE) | 14.1622% | 847 |
| Retained earnings to average equity (ytd only) | 3.3670% | 3,962 |
| Net charge-offs to loans | 0.0490% | 2,298 |
| Credit loss provision to net charge-offs | 496.6887% | 560 |
| Earnings coverage of net charge-offs (x) | 50.3079% | 835 |
| Efficiency ratio | 66.9552% | 3,993 |
| Assets per employee ($millions) | 5.5109% | 1,787 |
| Cash dividends to net income (ytd only)* | 76.2253% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,306 |
| Loan loss allowance to noncurrent loans | 67.2823% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 2,405 |
| Noncurrent loans to loans | 1.9615% | 1,346 |
| Net loans and leases to total assets | 54.3856% | 4,391 |
| Net loans and leases to deposits | 70.8850% | 3,657 |
| Net loans and leases to core deposits | 72.4400% | 3,921 |
| Total domestic deposits to total assets | 76.7236% | 5,659 |
| Equity capital to assets | 8.4421% | 5,779 |
| Core capital (leverage) ratio | 7.9603% | 5,963 |
| Tier 1 risk-based capital ratio | 11.2839% | 5,673 |
| Total risk-based capital ratio | 12.2825% | 5,720 |
| Memoranda: | ||
| Average total assets | $4,701,607,500 | 207 |
| Average earning assets | $4,453,390,500 | 195 |
| Average equity | $370,536,000 | 264 |
| Average total loans | $2,463,677,000 | 247 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8302% | 6,187 |
| Cost of funding earning assets | 0.1716% | 5,973 |
| Net interest margin | 2.6586% | 5,998 |
| Noninterest income to average assets | 1.5981% | 497 |
| Noninterest expense to average assets | 2.7790% | 3,562 |
| Loan and lease loss provision to assets | 0.2478% | 929 |
| Net operating income to assets | 1.0369% | 2,229 |
| Return on assets (ROA) | 1.0495% | 2,237 |
| Pretax return on assets | 1.0951% | 3,105 |
| Return on Equity (ROE) | 12.7391% | 1,198 |
| Retained earnings to average equity (ytd only) | 3.1676% | 3,983 |
| Net charge-offs to loans | 0.4309% | 982 |
| Credit loss provision to net charge-offs | 108.0338% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.7971% | 3,355 |
| Efficiency ratio | 67.4274% | 3,998 |
| Assets per employee ($millions) | 6.1192% | 1,300 |
| Cash dividends to net income (ytd only)* | 75.1347% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,654 |
| Loan loss allowance to noncurrent loans | 138.5439% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 4,010 |
| Noncurrent loans to loans | 0.9102% | 3,041 |
| Net loans and leases to total assets | 49.3311% | 5,036 |
| Net loans and leases to deposits | 68.1072% | 4,119 |
| Net loans and leases to core deposits | 69.5351% | 4,365 |
| Total domestic deposits to total assets | 72.4316% | 6,055 |
| Equity capital to assets | 7.3764% | 6,263 |
| Core capital (leverage) ratio | 7.8354% | 6,085 |
| Tier 1 risk-based capital ratio | 11.5330% | 5,642 |
| Total risk-based capital ratio | 12.5249% | 5,699 |
| Memoranda: | ||
| Average total assets | $4,438,649,600 | 204 |
| Average earning assets | $4,191,786,200 | 197 |
| Average equity | $365,669,800 | 257 |
| Average total loans | $2,362,826,000 | 240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 6,253 |
| Cost of funding earning assets | 0.1746% | 6,037 |
| Net interest margin | 2.6674% | 6,044 |
| Noninterest income to average assets | 1.6523% | 476 |
| Noninterest expense to average assets | 2.8244% | 3,371 |
| Loan and lease loss provision to assets | 0.2474% | 880 |
| Net operating income to assets | 1.0519% | 2,229 |
| Return on assets (ROA) | 1.0692% | 2,226 |
| Pretax return on assets | 1.1157% | 3,131 |
| Return on Equity (ROE) | 12.6001% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.1327% | 1,747 |
| Net charge-offs to loans | 0.4498% | 874 |
| Credit loss provision to net charge-offs | 101.5486% | 2,175 |
| Earnings coverage of net charge-offs (x) | 5.5206% | 3,245 |
| Efficiency ratio | 67.4577% | 3,945 |
| Assets per employee ($millions) | 5.3359% | 1,873 |
| Cash dividends to net income (ytd only)* | 43.3915% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,686 |
| Loan loss allowance to noncurrent loans | 101.5959% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 3,458 |
| Noncurrent loans to loans | 1.2714% | 2,517 |
| Net loans and leases to total assets | 53.1939% | 4,671 |
| Net loans and leases to deposits | 67.2484% | 4,212 |
| Net loans and leases to core deposits | 68.7638% | 4,435 |
| Total domestic deposits to total assets | 79.1006% | 5,305 |
| Equity capital to assets | 8.5408% | 5,769 |
| Core capital (leverage) ratio | 8.7386% | 5,398 |
| Tier 1 risk-based capital ratio | 12.2334% | 5,340 |
| Total risk-based capital ratio | 13.2404% | 5,410 |
| Memoranda: | ||
| Average total assets | $4,310,713,000 | 205 |
| Average earning assets | $4,067,958,500 | 196 |
| Average equity | $365,797,250 | 251 |
| Average total loans | $2,335,213,500 | 241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8000% | 6,339 |
| Cost of funding earning assets | 0.1768% | 6,096 |
| Net interest margin | 2.6232% | 6,146 |
| Noninterest income to average assets | 1.6234% | 485 |
| Noninterest expense to average assets | 2.8015% | 3,500 |
| Loan and lease loss provision to assets | 0.2099% | 1,131 |
| Net operating income to assets | 1.0370% | 2,180 |
| Return on assets (ROA) | 1.0630% | 2,146 |
| Pretax return on assets | 1.1094% | 3,069 |
| Return on Equity (ROE) | 12.5550% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.0455% | 1,745 |
| Net charge-offs to loans | -0.0035% | 5,121 |
| Credit loss provision to net charge-offs | -10,975.6098% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1097% | 3,988 |
| Assets per employee ($millions) | 5.0269% | 2,181 |
| Cash dividends to net income (ytd only)* | 43.8827% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 2,994 |
| Loan loss allowance to noncurrent loans | 86.7444% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 3,031 |
| Noncurrent loans to loans | 1.7062% | 2,027 |
| Net loans and leases to total assets | 55.6334% | 4,333 |
| Net loans and leases to deposits | 68.0257% | 4,046 |
| Net loans and leases to core deposits | 69.6582% | 4,300 |
| Total domestic deposits to total assets | 81.7829% | 4,722 |
| Equity capital to assets | 8.9014% | 5,409 |
| Core capital (leverage) ratio | 8.7006% | 5,391 |
| Tier 1 risk-based capital ratio | 12.1342% | 5,463 |
| Total risk-based capital ratio | 13.2856% | 5,454 |
| Memoranda: | ||
| Average total assets | $4,287,359,330 | 205 |
| Average earning assets | $4,037,597,330 | 197 |
| Average equity | $363,011,670 | 250 |
| Average total loans | $2,326,686,000 | 235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6963% | 6,467 |
| Cost of funding earning assets | 0.1769% | 6,190 |
| Net interest margin | 2.5194% | 6,320 |
| Noninterest income to average assets | 1.5868% | 483 |
| Noninterest expense to average assets | 2.7171% | 3,880 |
| Loan and lease loss provision to assets | 0.2073% | 1,117 |
| Net operating income to assets | 0.9952% | 2,229 |
| Return on assets (ROA) | 0.9952% | 2,288 |
| Pretax return on assets | 1.0386% | 3,174 |
| Return on Equity (ROE) | 12.0515% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.4742% | 2,299 |
| Net charge-offs to loans | 0.0324% | 2,943 |
| Credit loss provision to net charge-offs | 1,203.2086% | 267 |
| Earnings coverage of net charge-offs (x) | 72.3262% | 577 |
| Efficiency ratio | 68.2325% | 4,144 |
| Assets per employee ($millions) | 5.2489% | 1,963 |
| Cash dividends to net income (ytd only)* | 46.2792% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 3,614 |
| Loan loss allowance to noncurrent loans | 113.8474% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 3,936 |
| Noncurrent loans to loans | 1.2272% | 2,997 |
| Net loans and leases to total assets | 52.9900% | 4,542 |
| Net loans and leases to deposits | 65.6191% | 4,136 |
| Net loans and leases to core deposits | 67.3520% | 4,372 |
| Total domestic deposits to total assets | 80.7539% | 5,300 |
| Equity capital to assets | 8.3610% | 5,774 |
| Core capital (leverage) ratio | 8.5197% | 5,612 |
| Tier 1 risk-based capital ratio | 12.0943% | 5,573 |
| Total risk-based capital ratio | 13.1815% | 5,616 |
| Memoranda: | ||
| Average total assets | $4,342,346,000 | 205 |
| Average earning assets | $4,095,508,000 | 195 |
| Average equity | $358,595,000 | 249 |
| Average total loans | $2,310,561,500 | 236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8238% | 6,484 |
| Cost of funding earning assets | 0.2221% | 6,165 |
| Net interest margin | 2.6018% | 6,262 |
| Noninterest income to average assets | 1.5831% | 572 |
| Noninterest expense to average assets | 2.7942% | 3,744 |
| Loan and lease loss provision to assets | 0.3474% | 914 |
| Net operating income to assets | 0.8566% | 2,994 |
| Return on assets (ROA) | 0.8566% | 3,075 |
| Pretax return on assets | 0.8935% | 3,793 |
| Return on Equity (ROE) | 10.1127% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.4562% | 3,002 |
| Net charge-offs to loans | 0.6924% | 939 |
| Credit loss provision to net charge-offs | 93.1817% | 2,672 |
| Earnings coverage of net charge-offs (x) | 3.3284% | 3,889 |
| Efficiency ratio | 68.8965% | 4,035 |
| Assets per employee ($millions) | 5.4357% | 1,716 |
| Cash dividends to net income (ytd only)* | 55.9347% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,037 |
| Loan loss allowance to noncurrent loans | 103.1554% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 4,027 |
| Noncurrent loans to loans | 1.2803% | 2,994 |
| Net loans and leases to total assets | 51.9888% | 4,847 |
| Net loans and leases to deposits | 65.8457% | 4,313 |
| Net loans and leases to core deposits | 67.9165% | 4,523 |
| Total domestic deposits to total assets | 78.9555% | 5,659 |
| Equity capital to assets | 8.1563% | 5,900 |
| Core capital (leverage) ratio | 8.4578% | 5,718 |
| Tier 1 risk-based capital ratio | 11.8971% | 5,676 |
| Total risk-based capital ratio | 12.9153% | 5,754 |
| Memoranda: | ||
| Average total assets | $4,174,077,400 | 202 |
| Average earning assets | $3,933,713,000 | 195 |
| Average equity | $353,574,800 | 240 |
| Average total loans | $2,247,440,200 | 230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8642% | 6,520 |
| Cost of funding earning assets | 0.2335% | 6,200 |
| Net interest margin | 2.6306% | 6,276 |
| Noninterest income to average assets | 1.6037% | 570 |
| Noninterest expense to average assets | 2.8291% | 3,562 |
| Loan and lease loss provision to assets | 0.2472% | 1,447 |
| Net operating income to assets | 0.9624% | 2,533 |
| Return on assets (ROA) | 0.9624% | 2,635 |
| Pretax return on assets | 1.0042% | 3,485 |
| Return on Equity (ROE) | 11.2514% | 1,727 |
| Retained earnings to average equity (ytd only) | 11.2514% | 531 |
| Net charge-offs to loans | 0.4350% | 1,474 |
| Credit loss provision to net charge-offs | 104.9383% | 2,230 |
| Earnings coverage of net charge-offs (x) | 5.3125% | 3,224 |
| Efficiency ratio | 68.9765% | 3,917 |
| Assets per employee ($millions) | 5.1601% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 3,707 |
| Loan loss allowance to noncurrent loans | 68.9033% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 3,391 |
| Noncurrent loans to loans | 2.0969% | 2,134 |
| Net loans and leases to total assets | 53.1304% | 4,729 |
| Net loans and leases to deposits | 64.7419% | 4,439 |
| Net loans and leases to core deposits | 67.0706% | 4,616 |
| Total domestic deposits to total assets | 82.0649% | 4,908 |
| Equity capital to assets | 8.9561% | 5,240 |
| Core capital (leverage) ratio | 9.1033% | 4,968 |
| Tier 1 risk-based capital ratio | 12.9233% | 5,175 |
| Total risk-based capital ratio | 14.0409% | 5,201 |
| Memoranda: | ||
| Average total assets | $4,126,378,000 | 199 |
| Average earning assets | $3,885,058,000 | 191 |
| Average equity | $352,965,500 | 240 |
| Average total loans | $2,234,395,750 | 230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8769% | 6,547 |
| Cost of funding earning assets | 0.2376% | 6,254 |
| Net interest margin | 2.6393% | 6,285 |
| Noninterest income to average assets | 1.6234% | 609 |
| Noninterest expense to average assets | 2.8270% | 3,584 |
| Loan and lease loss provision to assets | 0.2463% | 1,515 |
| Net operating income to assets | 0.9941% | 2,351 |
| Return on assets (ROA) | 0.9941% | 2,493 |
| Pretax return on assets | 1.0371% | 3,343 |
| Return on Equity (ROE) | 11.8038% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.8038% | 527 |
| Net charge-offs to loans | -0.0068% | 5,693 |
| Credit loss provision to net charge-offs | -6,710.5263% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4130% | 4,110 |
| Assets per employee ($millions) | 5.0372% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 2,974 |
| Loan loss allowance to noncurrent loans | 116.6900% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 4,041 |
| Noncurrent loans to loans | 1.4158% | 3,173 |
| Net loans and leases to total assets | 54.0777% | 4,578 |
| Net loans and leases to deposits | 66.2848% | 4,232 |
| Net loans and leases to core deposits | 68.3896% | 4,457 |
| Total domestic deposits to total assets | 81.5838% | 5,187 |
| Equity capital to assets | 8.7776% | 5,468 |
| Core capital (leverage) ratio | 8.8649% | 5,201 |
| Tier 1 risk-based capital ratio | 12.5435% | 5,469 |
| Total risk-based capital ratio | 13.7939% | 5,408 |
| Memoranda: | ||
| Average total assets | $4,141,282,000 | 198 |
| Average earning assets | $3,902,241,670 | 189 |
| Average equity | $348,768,000 | 243 |
| Average total loans | $2,245,728,670 | 226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 6,627 |
| Cost of funding earning assets | 0.2396% | 6,353 |
| Net interest margin | 2.6377% | 6,315 |
| Noninterest income to average assets | 1.5456% | 644 |
| Noninterest expense to average assets | 2.7128% | 4,007 |
| Loan and lease loss provision to assets | 0.2430% | 1,486 |
| Net operating income to assets | 1.0292% | 2,108 |
| Return on assets (ROA) | 1.0292% | 2,223 |
| Pretax return on assets | 1.0740% | 3,052 |
| Return on Equity (ROE) | 12.4737% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.4737% | 636 |
| Net charge-offs to loans | -0.1037% | 6,462 |
| Credit loss provision to net charge-offs | -435.1536% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9229% | 4,502 |
| Assets per employee ($millions) | 5.1834% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,630 |
| Loan loss allowance to noncurrent loans | 199.5958% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 5,069 |
| Noncurrent loans to loans | 0.7755% | 4,567 |
| Net loans and leases to total assets | 53.9662% | 4,422 |
| Net loans and leases to deposits | 65.9467% | 4,059 |
| Net loans and leases to core deposits | 68.0155% | 4,301 |
| Total domestic deposits to total assets | 81.8330% | 5,257 |
| Equity capital to assets | 8.6172% | 5,898 |
| Core capital (leverage) ratio | 8.5953% | 5,449 |
| Tier 1 risk-based capital ratio | 12.3517% | 5,678 |
| Total risk-based capital ratio | 13.5774% | 5,650 |
| Memoranda: | ||
| Average total assets | $4,197,061,500 | 201 |
| Average earning assets | $3,952,855,000 | 191 |
| Average equity | $346,296,000 | 250 |
| Average total loans | $2,260,698,500 | 226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1124% | 6,718 |
| Cost of funding earning assets | 0.2897% | 6,507 |
| Net interest margin | 2.8227% | 6,360 |
| Noninterest income to average assets | 1.6231% | 602 |
| Noninterest expense to average assets | 2.8330% | 3,900 |
| Loan and lease loss provision to assets | 1.2144% | 296 |
| Net operating income to assets | 0.2180% | 5,740 |
| Return on assets (ROA) | 0.2180% | 5,928 |
| Pretax return on assets | 0.2266% | 5,954 |
| Return on Equity (ROE) | 2.4678% | 5,761 |
| Retained earnings to average equity (ytd only) | -3.0554% | 6,270 |
| Net charge-offs to loans | 2.5215% | 239 |
| Credit loss provision to net charge-offs | 88.9187% | 3,519 |
| Earnings coverage of net charge-offs (x) | 1.0551% | 4,936 |
| Efficiency ratio | 65.9043% | 4,521 |
| Assets per employee ($millions) | 5.4752% | 1,706 |
| Cash dividends to net income (ytd only)* | 223.8138% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,288 |
| Loan loss allowance to noncurrent loans | 169.8109% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 5,178 |
| Noncurrent loans to loans | 0.8090% | 4,568 |
| Net loans and leases to total assets | 52.2395% | 4,895 |
| Net loans and leases to deposits | 64.6391% | 4,462 |
| Net loans and leases to core deposits | 66.5347% | 4,684 |
| Total domestic deposits to total assets | 80.8173% | 5,451 |
| Equity capital to assets | 7.9055% | 6,455 |
| Core capital (leverage) ratio | 8.2657% | 5,926 |
| Tier 1 risk-based capital ratio | 11.5304% | 6,079 |
| Total risk-based capital ratio | 12.6046% | 6,161 |
| Memoranda: | ||
| Average total assets | $4,099,981,600 | 202 |
| Average earning assets | $3,850,495,600 | 189 |
| Average equity | $362,109,600 | 243 |
| Average total loans | $2,220,671,000 | 219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 6,807 |
| Cost of funding earning assets | 0.3025% | 6,605 |
| Net interest margin | 2.8757% | 6,400 |
| Noninterest income to average assets | 1.6480% | 557 |
| Noninterest expense to average assets | 2.8365% | 3,851 |
| Loan and lease loss provision to assets | 0.5603% | 1,025 |
| Net operating income to assets | 0.9154% | 2,904 |
| Return on assets (ROA) | 0.9154% | 3,128 |
| Pretax return on assets | 0.9545% | 3,899 |
| Return on Equity (ROE) | 10.0824% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.2672% | 1,512 |
| Net charge-offs to loans | 0.1409% | 3,989 |
| Credit loss provision to net charge-offs | 729.9270% | 380 |
| Earnings coverage of net charge-offs (x) | 19.7325% | 1,480 |
| Efficiency ratio | 64.8082% | 4,655 |
| Assets per employee ($millions) | 5.2355% | 1,900 |
| Cash dividends to net income (ytd only)* | 18.0037% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 1,461 |
| Loan loss allowance to noncurrent loans | 281.9686% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 5,233 |
| Noncurrent loans to loans | 0.8272% | 4,764 |
| Net loans and leases to total assets | 53.9841% | 4,750 |
| Net loans and leases to deposits | 66.3210% | 4,430 |
| Net loans and leases to core deposits | 68.4135% | 4,686 |
| Total domestic deposits to total assets | 81.3983% | 5,236 |
| Equity capital to assets | 9.3440% | 5,414 |
| Core capital (leverage) ratio | 9.2661% | 4,653 |
| Tier 1 risk-based capital ratio | 12.9649% | 5,279 |
| Total risk-based capital ratio | 14.2220% | 5,237 |
| Memoranda: | ||
| Average total assets | $4,044,992,250 | 206 |
| Average earning assets | $3,802,516,500 | 192 |
| Average equity | $367,259,000 | 240 |
| Average total loans | $2,203,802,000 | 222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 6,876 |
| Cost of funding earning assets | 0.3155% | 6,667 |
| Net interest margin | 2.8798% | 6,453 |
| Noninterest income to average assets | 1.6284% | 559 |
| Noninterest expense to average assets | 2.7983% | 4,024 |
| Loan and lease loss provision to assets | 0.3712% | 1,767 |
| Net operating income to assets | 1.1149% | 1,997 |
| Return on assets (ROA) | 1.1149% | 2,208 |
| Pretax return on assets | 1.1629% | 3,070 |
| Return on Equity (ROE) | 12.4002% | 1,538 |
| Retained earnings to average equity (ytd only) | 9.6477% | 1,074 |
| Net charge-offs to loans | 0.1958% | 3,410 |
| Credit loss provision to net charge-offs | 349.6503% | 836 |
| Earnings coverage of net charge-offs (x) | 14.4499% | 1,716 |
| Efficiency ratio | 64.2089% | 4,863 |
| Assets per employee ($millions) | 5.0336% | 2,133 |
| Cash dividends to net income (ytd only)* | 22.1976% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,438 |
| Loan loss allowance to noncurrent loans | 315.4450% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 5,596 |
| Noncurrent loans to loans | 0.6125% | 5,287 |
| Net loans and leases to total assets | 55.1560% | 4,603 |
| Net loans and leases to deposits | 67.1902% | 4,330 |
| Net loans and leases to core deposits | 69.4634% | 4,605 |
| Total domestic deposits to total assets | 82.0894% | 5,094 |
| Equity capital to assets | 9.4105% | 5,178 |
| Core capital (leverage) ratio | 9.1320% | 4,717 |
| Tier 1 risk-based capital ratio | 12.8666% | 5,278 |
| Total risk-based capital ratio | 14.1199% | 5,253 |
| Memoranda: | ||
| Average total assets | $4,040,815,670 | 205 |
| Average earning assets | $3,794,210,330 | 192 |
| Average equity | $363,300,670 | 240 |
| Average total loans | $2,190,827,330 | 226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 6,963 |
| Cost of funding earning assets | 0.3244% | 6,757 |
| Net interest margin | 2.8535% | 6,548 |
| Noninterest income to average assets | 1.5774% | 581 |
| Noninterest expense to average assets | 2.7238% | 4,336 |
| Loan and lease loss provision to assets | 0.3429% | 1,826 |
| Net operating income to assets | 1.1398% | 1,922 |
| Return on assets (ROA) | 1.1398% | 2,107 |
| Pretax return on assets | 1.1894% | 2,952 |
| Return on Equity (ROE) | 12.9714% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.3971% | 2,231 |
| Net charge-offs to loans | 0.0767% | 3,728 |
| Credit loss provision to net charge-offs | 839.3285% | 415 |
| Earnings coverage of net charge-offs (x) | 37.5084% | 787 |
| Efficiency ratio | 63.6129% | 5,000 |
| Assets per employee ($millions) | 5.2230% | 1,969 |
| Cash dividends to net income (ytd only)* | 42.9738% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 2,797 |
| Loan loss allowance to noncurrent loans | 232.8587% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 5,489 |
| Noncurrent loans to loans | 0.8001% | 5,075 |
| Net loans and leases to total assets | 52.3163% | 4,978 |
| Net loans and leases to deposits | 63.7120% | 4,671 |
| Net loans and leases to core deposits | 66.1947% | 4,893 |
| Total domestic deposits to total assets | 82.1136% | 5,256 |
| Equity capital to assets | 8.8193% | 5,729 |
| Core capital (leverage) ratio | 8.8393% | 5,082 |
| Tier 1 risk-based capital ratio | 12.8402% | 5,336 |
| Total risk-based capital ratio | 14.0929% | 5,307 |
| Memoranda: | ||
| Average total assets | $4,083,010,000 | 199 |
| Average earning assets | $3,832,951,500 | 186 |
| Average equity | $358,790,500 | 237 |
| Average total loans | $2,173,641,000 | 223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 7,037 |
| Cost of funding earning assets | 0.4151% | 6,850 |
| Net interest margin | 3.0126% | 6,510 |
| Noninterest income to average assets | 1.7370% | 469 |
| Noninterest expense to average assets | 2.9964% | 3,610 |
| Loan and lease loss provision to assets | 0.3911% | 2,646 |
| Net operating income to assets | 1.1300% | 1,726 |
| Return on assets (ROA) | 1.1300% | 1,844 |
| Pretax return on assets | 1.1784% | 2,537 |
| Return on Equity (ROE) | 12.1282% | 1,373 |
| Retained earnings to average equity (ytd only) | 3.7332% | 3,556 |
| Net charge-offs to loans | 0.4016% | 3,410 |
| Credit loss provision to net charge-offs | 169.0903% | 1,591 |
| Earnings coverage of net charge-offs (x) | 6.7859% | 2,447 |
| Efficiency ratio | 65.1003% | 4,934 |
| Assets per employee ($millions) | 5.3081% | 1,825 |
| Cash dividends to net income (ytd only)* | 69.2185% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 3,056 |
| Loan loss allowance to noncurrent loans | 221.4853% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 5,591 |
| Noncurrent loans to loans | 0.7861% | 5,111 |
| Net loans and leases to total assets | 52.2368% | 5,274 |
| Net loans and leases to deposits | 64.1623% | 4,988 |
| Net loans and leases to core deposits | 67.6503% | 5,073 |
| Total domestic deposits to total assets | 81.4135% | 5,320 |
| Equity capital to assets | 8.7553% | 5,843 |
| Core capital (leverage) ratio | 8.8997% | 4,940 |
| Tier 1 risk-based capital ratio | 12.8309% | 5,214 |
| Total risk-based capital ratio | 14.0826% | 5,193 |
| Memoranda: | ||
| Average total assets | $3,835,438,600 | 206 |
| Average earning assets | $3,601,564,800 | 196 |
| Average equity | $357,357,200 | 237 |
| Average total loans | $2,208,722,000 | 216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 7,087 |
| Cost of funding earning assets | 0.4332% | 6,928 |
| Net interest margin | 3.0582% | 6,477 |
| Noninterest income to average assets | 1.7383% | 462 |
| Noninterest expense to average assets | 2.9446% | 3,759 |
| Loan and lease loss provision to assets | 0.4235% | 2,353 |
| Net operating income to assets | 1.1937% | 1,667 |
| Return on assets (ROA) | 1.1937% | 1,782 |
| Pretax return on assets | 1.2448% | 2,470 |
| Return on Equity (ROE) | 12.6073% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.6073% | 419 |
| Net charge-offs to loans | 0.1388% | 4,668 |
| Credit loss provision to net charge-offs | 519.2557% | 529 |
| Earnings coverage of net charge-offs (x) | 20.4543% | 1,220 |
| Efficiency ratio | 63.2893% | 5,181 |
| Assets per employee ($millions) | 5.1068% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,581 |
| Loan loss allowance to noncurrent loans | 200.0437% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 5,446 |
| Noncurrent loans to loans | 0.9560% | 4,974 |
| Net loans and leases to total assets | 53.9470% | 5,168 |
| Net loans and leases to deposits | 66.6234% | 4,809 |
| Net loans and leases to core deposits | 70.9028% | 4,846 |
| Total domestic deposits to total assets | 80.9731% | 5,444 |
| Equity capital to assets | 9.6997% | 4,778 |
| Core capital (leverage) ratio | 9.5527% | 4,074 |
| Tier 1 risk-based capital ratio | 13.6130% | 4,640 |
| Total risk-based capital ratio | 14.8664% | 4,606 |
| Memoranda: | ||
| Average total assets | $3,777,801,000 | 206 |
| Average earning assets | $3,551,029,000 | 197 |
| Average equity | $357,699,500 | 236 |
| Average total loans | $2,220,508,000 | 217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 7,118 |
| Cost of funding earning assets | 0.4540% | 6,992 |
| Net interest margin | 3.1161% | 6,373 |
| Noninterest income to average assets | 1.7321% | 449 |
| Noninterest expense to average assets | 2.9898% | 3,682 |
| Loan and lease loss provision to assets | 0.4824% | 2,045 |
| Net operating income to assets | 1.1420% | 1,750 |
| Return on assets (ROA) | 1.1420% | 1,822 |
| Pretax return on assets | 1.1913% | 2,516 |
| Return on Equity (ROE) | 12.1654% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.1654% | 501 |
| Net charge-offs to loans | 0.0755% | 4,887 |
| Credit loss provision to net charge-offs | 1,062.5738% | 317 |
| Earnings coverage of net charge-offs (x) | 36.8666% | 789 |
| Efficiency ratio | 63.5753% | 5,324 |
| Assets per employee ($millions) | 4.8042% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 2,825 |
| Loan loss allowance to noncurrent loans | 244.3233% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 5,732 |
| Noncurrent loans to loans | 0.7574% | 5,394 |
| Net loans and leases to total assets | 56.2811% | 4,946 |
| Net loans and leases to deposits | 69.1881% | 4,543 |
| Net loans and leases to core deposits | 73.2152% | 4,682 |
| Total domestic deposits to total assets | 81.3450% | 5,408 |
| Equity capital to assets | 9.7592% | 4,448 |
| Core capital (leverage) ratio | 9.6485% | 3,736 |
| Tier 1 risk-based capital ratio | 13.4855% | 4,537 |
| Total risk-based capital ratio | 14.7387% | 4,513 |
| Memoranda: | ||
| Average total assets | $3,731,425,330 | 211 |
| Average earning assets | $3,510,194,330 | 203 |
| Average equity | $350,289,670 | 241 |
| Average total loans | $2,242,589,670 | 219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 7,117 |
| Cost of funding earning assets | 0.4757% | 7,047 |
| Net interest margin | 3.1516% | 6,216 |
| Noninterest income to average assets | 1.7008% | 474 |
| Noninterest expense to average assets | 2.9903% | 3,688 |
| Loan and lease loss provision to assets | 0.4828% | 1,825 |
| Net operating income to assets | 1.1423% | 1,693 |
| Return on assets (ROA) | 1.1423% | 1,738 |
| Pretax return on assets | 1.1916% | 2,408 |
| Return on Equity (ROE) | 12.4145% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.4145% | 677 |
| Net charge-offs to loans | 0.0572% | 4,360 |
| Credit loss provision to net charge-offs | 1,371.9512% | 293 |
| Earnings coverage of net charge-offs (x) | 47.5823% | 598 |
| Efficiency ratio | 63.5778% | 5,434 |
| Assets per employee ($millions) | 4.8220% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 3,782 |
| Loan loss allowance to noncurrent loans | 252.6733% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 5,800 |
| Noncurrent loans to loans | 0.6285% | 5,781 |
| Net loans and leases to total assets | 58.9401% | 4,473 |
| Net loans and leases to deposits | 72.3286% | 4,013 |
| Net loans and leases to core deposits | 76.8172% | 4,192 |
| Total domestic deposits to total assets | 81.4893% | 5,499 |
| Equity capital to assets | 9.2538% | 4,807 |
| Core capital (leverage) ratio | 9.4332% | 3,911 |
| Tier 1 risk-based capital ratio | 12.6523% | 5,112 |
| Total risk-based capital ratio | 13.9030% | 5,088 |
| Memoranda: | ||
| Average total assets | $3,728,285,500 | 210 |
| Average earning assets | $3,506,294,500 | 200 |
| Average equity | $343,050,000 | 240 |
| Average total loans | $2,292,244,000 | 215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 7,187 |
| Cost of funding earning assets | 0.5712% | 7,178 |
| Net interest margin | 3.3478% | 5,802 |
| Noninterest income to average assets | 1.8047% | 469 |
| Noninterest expense to average assets | 3.0798% | 3,547 |
| Loan and lease loss provision to assets | 0.9579% | 1,698 |
| Net operating income to assets | 0.9300% | 2,277 |
| Return on assets (ROA) | 0.9300% | 2,406 |
| Pretax return on assets | 0.9030% | 3,281 |
| Return on Equity (ROE) | 10.0335% | 1,917 |
| Retained earnings to average equity (ytd only) | 2.6520% | 4,004 |
| Net charge-offs to loans | 2.3625% | 815 |
| Credit loss provision to net charge-offs | 63.3748% | 6,021 |
| Earnings coverage of net charge-offs (x) | 1.2312% | 4,874 |
| Efficiency ratio | 61.8167% | 5,758 |
| Assets per employee ($millions) | 4.6722% | 2,591 |
| Cash dividends to net income (ytd only)* | 73.5684% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,760 |
| Loan loss allowance to noncurrent loans | 155.6719% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 5,583 |
| Noncurrent loans to loans | 0.8658% | 5,331 |
| Net loans and leases to total assets | 62.2435% | 4,232 |
| Net loans and leases to deposits | 75.1898% | 3,985 |
| Net loans and leases to core deposits | 80.9380% | 4,070 |
| Total domestic deposits to total assets | 82.7818% | 4,890 |
| Equity capital to assets | 9.1481% | 4,919 |
| Core capital (leverage) ratio | 9.0597% | 4,439 |
| Tier 1 risk-based capital ratio | 11.8221% | 5,637 |
| Total risk-based capital ratio | 12.9385% | 5,744 |
| Memoranda: | ||
| Average total assets | $3,653,953,400 | 214 |
| Average earning assets | $3,422,842,800 | 203 |
| Average equity | $338,685,800 | 234 |
| Average total loans | $2,337,678,600 | 214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 7,305 |
| Cost of funding earning assets | 0.5860% | 7,317 |
| Net interest margin | 3.3819% | 5,742 |
| Noninterest income to average assets | 1.8390% | 432 |
| Noninterest expense to average assets | 3.0641% | 3,520 |
| Loan and lease loss provision to assets | 1.0985% | 1,326 |
| Net operating income to assets | 0.8675% | 2,751 |
| Return on assets (ROA) | 0.8675% | 2,880 |
| Pretax return on assets | 0.8411% | 3,768 |
| Return on Equity (ROE) | 9.3285% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.3285% | 952 |
| Net charge-offs to loans | 2.5127% | 672 |
| Credit loss provision to net charge-offs | 68.0967% | 5,475 |
| Earnings coverage of net charge-offs (x) | 1.2024% | 4,861 |
| Efficiency ratio | 60.7239% | 5,834 |
| Assets per employee ($millions) | 4.4732% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 3,287 |
| Loan loss allowance to noncurrent loans | 167.9444% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,925 |
| Noncurrent loans to loans | 0.9897% | 5,257 |
| Net loans and leases to total assets | 62.2180% | 4,483 |
| Net loans and leases to deposits | 76.0706% | 4,167 |
| Net loans and leases to core deposits | 82.6396% | 4,145 |
| Total domestic deposits to total assets | 81.7899% | 5,078 |
| Equity capital to assets | 9.9403% | 4,234 |
| Core capital (leverage) ratio | 9.6678% | 3,665 |
| Tier 1 risk-based capital ratio | 12.7727% | 4,756 |
| Total risk-based capital ratio | 14.0243% | 4,729 |
| Memoranda: | ||
| Average total assets | $3,641,185,500 | 215 |
| Average earning assets | $3,407,326,500 | 203 |
| Average equity | $338,622,250 | 231 |
| Average total loans | $2,337,687,250 | 212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 7,385 |
| Cost of funding earning assets | 0.5968% | 7,414 |
| Net interest margin | 3.3775% | 5,726 |
| Noninterest income to average assets | 1.8176% | 408 |
| Noninterest expense to average assets | 3.0336% | 3,581 |
| Loan and lease loss provision to assets | 1.3113% | 1,043 |
| Net operating income to assets | 0.6079% | 3,850 |
| Return on assets (ROA) | 0.6079% | 3,983 |
| Pretax return on assets | 0.6330% | 4,463 |
| Return on Equity (ROE) | 6.6874% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.6874% | 1,982 |
| Net charge-offs to loans | 3.5590% | 409 |
| Credit loss provision to net charge-offs | 57.1184% | 5,281 |
| Earnings coverage of net charge-offs (x) | 0.8469% | 4,926 |
| Efficiency ratio | 60.4188% | 5,976 |
| Assets per employee ($millions) | 4.3419% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,026 |
| Loan loss allowance to noncurrent loans | 126.1817% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1771% | 4,787 |
| Noncurrent loans to loans | 1.1710% | 4,996 |
| Net loans and leases to total assets | 62.2332% | 4,636 |
| Net loans and leases to deposits | 75.0967% | 4,500 |
| Net loans and leases to core deposits | 81.3616% | 4,505 |
| Total domestic deposits to total assets | 82.8708% | 4,624 |
| Equity capital to assets | 9.4529% | 4,777 |
| Core capital (leverage) ratio | 9.2007% | 4,301 |
| Tier 1 risk-based capital ratio | 12.0962% | 5,229 |
| Total risk-based capital ratio | 13.3117% | 5,224 |
| Memoranda: | ||
| Average total assets | $3,660,563,330 | 214 |
| Average earning assets | $3,425,083,000 | 201 |
| Average equity | $332,774,670 | 234 |
| Average total loans | $2,361,254,670 | 212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 7,478 |
| Cost of funding earning assets | 0.6045% | 7,529 |
| Net interest margin | 3.3696% | 5,705 |
| Noninterest income to average assets | 1.7359% | 427 |
| Noninterest expense to average assets | 2.9991% | 3,682 |
| Loan and lease loss provision to assets | 1.3027% | 926 |
| Net operating income to assets | 0.5629% | 4,065 |
| Return on assets (ROA) | 0.5629% | 4,213 |
| Pretax return on assets | 0.5874% | 4,663 |
| Return on Equity (ROE) | 6.3150% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.3150% | 2,463 |
| Net charge-offs to loans | 0.1205% | 4,252 |
| Credit loss provision to net charge-offs | 1,659.7510% | 301 |
| Earnings coverage of net charge-offs (x) | 24.0816% | 1,033 |
| Efficiency ratio | 60.8078% | 6,033 |
| Assets per employee ($millions) | 4.3035% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6600% | 1,117 |
| Loan loss allowance to noncurrent loans | 105.2832% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 4,032 |
| Noncurrent loans to loans | 2.5265% | 3,149 |
| Net loans and leases to total assets | 62.7418% | 4,604 |
| Net loans and leases to deposits | 76.7674% | 4,268 |
| Net loans and leases to core deposits | 84.5614% | 4,126 |
| Total domestic deposits to total assets | 81.7297% | 5,185 |
| Equity capital to assets | 9.0071% | 5,271 |
| Core capital (leverage) ratio | 9.1921% | 4,241 |
| Tier 1 risk-based capital ratio | 11.9399% | 5,262 |
| Total risk-based capital ratio | 13.2027% | 5,205 |
| Memoranda: | ||
| Average total assets | $3,684,631,500 | 214 |
| Average earning assets | $3,448,110,500 | 207 |
| Average equity | $328,423,000 | 240 |
| Average total loans | $2,400,959,500 | 216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 7,468 |
| Cost of funding earning assets | 0.8130% | 7,537 |
| Net interest margin | 3.5971% | 4,559 |
| Noninterest income to average assets | 1.8884% | 413 |
| Noninterest expense to average assets | 3.1211% | 3,644 |
| Loan and lease loss provision to assets | 1.0422% | 2,202 |
| Net operating income to assets | 1.0851% | 1,551 |
| Return on assets (ROA) | 1.0851% | 1,602 |
| Pretax return on assets | 1.0915% | 2,280 |
| Return on Equity (ROE) | 11.6462% | 1,254 |
| Retained earnings to average equity (ytd only) | 0.9934% | 4,339 |
| Net charge-offs to loans | 0.7742% | 2,888 |
| Credit loss provision to net charge-offs | 188.3553% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.8563% | 3,168 |
| Efficiency ratio | 58.8733% | 6,639 |
| Assets per employee ($millions) | 3.9215% | 3,974 |
| Cash dividends to net income (ytd only)* | 91.4698% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 1,781 |
| Loan loss allowance to noncurrent loans | 87.6820% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 3,969 |
| Noncurrent loans to loans | 2.4251% | 3,132 |
| Net loans and leases to total assets | 64.4625% | 4,500 |
| Net loans and leases to deposits | 79.2723% | 4,122 |
| Net loans and leases to core deposits | 92.2311% | 4,859 |
| Total domestic deposits to total assets | 81.3179% | 5,224 |
| Equity capital to assets | 8.8200% | 5,397 |
| Core capital (leverage) ratio | 9.1863% | 4,142 |
| Tier 1 risk-based capital ratio | 11.5091% | 5,385 |
| Total risk-based capital ratio | 12.7663% | 5,341 |
| Memoranda: | ||
| Average total assets | $3,526,268,400 | 226 |
| Average earning assets | $3,300,087,400 | 216 |
| Average equity | $328,554,600 | 236 |
| Average total loans | $2,520,189,600 | 212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 7,508 |
| Cost of funding earning assets | 0.8528% | 7,622 |
| Net interest margin | 3.6458% | 4,293 |
| Noninterest income to average assets | 1.9123% | 406 |
| Noninterest expense to average assets | 3.1900% | 3,333 |
| Loan and lease loss provision to assets | 0.8705% | 2,207 |
| Net operating income to assets | 1.2163% | 1,423 |
| Return on assets (ROA) | 1.2163% | 1,486 |
| Pretax return on assets | 1.2679% | 2,050 |
| Return on Equity (ROE) | 12.8718% | 1,135 |
| Retained earnings to average equity (ytd only) | -1.3020% | 5,559 |
| Net charge-offs to loans | 0.4220% | 3,574 |
| Credit loss provision to net charge-offs | 282.7843% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.9465% | 2,508 |
| Efficiency ratio | 59.3445% | 6,509 |
| Assets per employee ($millions) | 3.7947% | 4,200 |
| Cash dividends to net income (ytd only)* | 110.1148% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 1,849 |
| Loan loss allowance to noncurrent loans | 79.2427% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 3,635 |
| Noncurrent loans to loans | 2.4989% | 3,012 |
| Net loans and leases to total assets | 70.3719% | 3,419 |
| Net loans and leases to deposits | 85.9051% | 3,335 |
| Net loans and leases to core deposits | 99.8487% | 4,392 |
| Total domestic deposits to total assets | 81.9181% | 4,704 |
| Equity capital to assets | 9.3984% | 4,885 |
| Core capital (leverage) ratio | 9.0045% | 4,644 |
| Tier 1 risk-based capital ratio | 11.1644% | 5,798 |
| Total risk-based capital ratio | 12.4203% | 5,734 |
| Memoranda: | ||
| Average total assets | $3,484,310,500 | 237 |
| Average earning assets | $3,264,760,250 | 226 |
| Average equity | $329,238,250 | 241 |
| Average total loans | $2,541,975,750 | 222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 7,595 |
| Cost of funding earning assets | 0.8552% | 7,754 |
| Net interest margin | 3.6794% | 4,045 |
| Noninterest income to average assets | 1.8779% | 417 |
| Noninterest expense to average assets | 3.2532% | 3,145 |
| Loan and lease loss provision to assets | 0.3579% | 3,780 |
| Net operating income to assets | 1.6390% | 634 |
| Return on assets (ROA) | 1.6390% | 699 |
| Pretax return on assets | 1.7087% | 998 |
| Return on Equity (ROE) | 17.3152% | 550 |
| Retained earnings to average equity (ytd only) | 2.1896% | 4,123 |
| Net charge-offs to loans | 0.5707% | 2,623 |
| Credit loss provision to net charge-offs | 85.5227% | 5,050 |
| Earnings coverage of net charge-offs (x) | 4.9379% | 2,950 |
| Efficiency ratio | 60.6330% | 6,455 |
| Assets per employee ($millions) | 3.7921% | 4,116 |
| Cash dividends to net income (ytd only)* | 87.3546% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,171 |
| Loan loss allowance to noncurrent loans | 627.3546% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 7,132 |
| Noncurrent loans to loans | 0.2102% | 6,988 |
| Net loans and leases to total assets | 71.1154% | 3,442 |
| Net loans and leases to deposits | 89.7421% | 2,872 |
| Net loans and leases to core deposits | 107.9763% | 3,614 |
| Total domestic deposits to total assets | 79.2441% | 5,735 |
| Equity capital to assets | 9.4337% | 4,698 |
| Core capital (leverage) ratio | 9.3580% | 4,084 |
| Tier 1 risk-based capital ratio | 11.0702% | 5,805 |
| Total risk-based capital ratio | 12.2121% | 5,854 |
| Memoranda: | ||
| Average total assets | $3,492,159,670 | 242 |
| Average earning assets | $3,266,885,000 | 232 |
| Average equity | $330,565,330 | 243 |
| Average total loans | $2,561,099,330 | 228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 7,654 |
| Cost of funding earning assets | 0.8502% | 7,867 |
| Net interest margin | 3.7122% | 3,836 |
| Noninterest income to average assets | 1.8118% | 417 |
| Noninterest expense to average assets | 3.1681% | 3,122 |
| Loan and lease loss provision to assets | 0.2587% | 3,895 |
| Net operating income to assets | 1.7694% | 561 |
| Return on assets (ROA) | 1.7694% | 617 |
| Pretax return on assets | 1.8480% | 895 |
| Return on Equity (ROE) | 18.6600% | 534 |
| Retained earnings to average equity (ytd only) | 0.4705% | 5,465 |
| Net charge-offs to loans | 0.0889% | 4,281 |
| Credit loss provision to net charge-offs | 393.3566% | 1,314 |
| Earnings coverage of net charge-offs (x) | 32.0315% | 1,009 |
| Efficiency ratio | 59.4999% | 6,474 |
| Assets per employee ($millions) | 3.6711% | 4,400 |
| Cash dividends to net income (ytd only)* | 97.4786% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,380 |
| Loan loss allowance to noncurrent loans | 312.8156% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,493 |
| Noncurrent loans to loans | 0.4543% | 6,284 |
| Net loans and leases to total assets | 72.1732% | 3,207 |
| Net loans and leases to deposits | 91.3368% | 2,720 |
| Net loans and leases to core deposits | 106.5143% | 3,853 |
| Total domestic deposits to total assets | 79.0187% | 5,721 |
| Equity capital to assets | 9.4518% | 4,742 |
| Core capital (leverage) ratio | 9.4233% | 4,076 |
| Tier 1 risk-based capital ratio | 11.1269% | 5,789 |
| Total risk-based capital ratio | 12.3770% | 5,704 |
| Memoranda: | ||
| Average total assets | $3,478,724,500 | 248 |
| Average earning assets | $3,245,223,000 | 236 |
| Average equity | $329,861,500 | 245 |
| Average total loans | $2,573,644,500 | 228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 7,069 |
| Cost of funding earning assets | 1.6231% | 7,398 |
| Net interest margin | 3.9757% | 3,235 |
| Noninterest income to average assets | 1.9211% | 368 |
| Noninterest expense to average assets | 3.1874% | 3,381 |
| Loan and lease loss provision to assets | 0.2155% | 4,733 |
| Net operating income to assets | 2.0946% | 297 |
| Return on assets (ROA) | 2.2203% | 222 |
| Pretax return on assets | 2.3108% | 306 |
| Return on Equity (ROE) | 23.4443% | 196 |
| Retained earnings to average equity (ytd only) | 5.2441% | 1,884 |
| Net charge-offs to loans | 0.1113% | 5,161 |
| Credit loss provision to net charge-offs | 266.9989% | 1,730 |
| Earnings coverage of net charge-offs (x) | 29.6821% | 1,177 |
| Efficiency ratio | 56.5608% | 6,933 |
| Assets per employee ($millions) | 3.6758% | 4,222 |
| Cash dividends to net income (ytd only)* | 77.6317% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 3,617 |
| Loan loss allowance to noncurrent loans | 330.3265% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,381 |
| Noncurrent loans to loans | 0.4013% | 6,146 |
| Net loans and leases to total assets | 73.7591% | 3,167 |
| Net loans and leases to deposits | 94.9109% | 2,634 |
| Net loans and leases to core deposits | 108.3965% | 3,924 |
| Total domestic deposits to total assets | 77.7141% | 5,801 |
| Equity capital to assets | 9.5127% | 4,675 |
| Core capital (leverage) ratio | 9.4687% | 4,055 |
| Tier 1 risk-based capital ratio | 10.8712% | 5,839 |
| Total risk-based capital ratio | 12.0414% | 5,825 |
| Memoranda: | ||
| Average total assets | $3,480,897,600 | 231 |
| Average earning assets | $3,205,840,000 | 229 |
| Average equity | $329,667,000 | 253 |
| Average total loans | $2,523,990,800 | 228 |