Home > Lake Forest Bank & Trust Company > Performance and Condition Ratios
Lake Forest Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0519% | 596 |
| Cost of funding earning assets | 2.1999% | 638 |
| Net interest margin | 3.8520% | 1,469 |
| Noninterest income to average assets | 2.0200% | 265 |
| Noninterest expense to average assets | 2.3642% | 2,680 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 2.1147% | 391 |
| Return on assets (ROA) | 2.1169% | 380 |
| Pretax return on assets | 2.8871% | 224 |
| Return on Equity (ROE) | 22.9900% | 403 |
| Retained earnings to average equity (ytd only) | 14.6776% | 349 |
| Net charge-offs to loans | 0.0489% | 1,385 |
| Credit loss provision to net charge-offs | 569.4434% | 616 |
| Earnings coverage of net charge-offs (x) | 88.5293% | 965 |
| Efficiency ratio | 43.4841% | 4,264 |
| Assets per employee ($millions) | 11.2973% | 494 |
| Cash dividends to net income (ytd only)* | 36.1627% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,052 |
| Loan loss allowance to noncurrent loans | 253.1941% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,149 |
| Noncurrent loans to loans | 0.2964% | 2,116 |
| Net loans and leases to total assets | 69.7900% | 1,833 |
| Net loans and leases to deposits | 90.8954% | 1,193 |
| Net loans and leases to core deposits | 112.5274% | 869 |
| Total domestic deposits to total assets | 74.6100% | 4,061 |
| Equity capital to assets | 9.7605% | 2,153 |
| Core capital (leverage) ratio | 9.9275% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4729% | 2,427 |
| Memoranda: | ||
| Average total assets | $7,822,871,000 | 194 |
| Average earning assets | $6,938,380,200 | 197 |
| Average equity | $720,242,800 | 209 |
| Average total loans | $5,547,175,600 | 188 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 593 |
| Cost of funding earning assets | 2.0878% | 609 |
| Net interest margin | 3.8268% | 1,540 |
| Noninterest income to average assets | 2.0000% | 283 |
| Noninterest expense to average assets | 2.2949% | 2,809 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.1957% | 378 |
| Return on assets (ROA) | 2.1900% | 375 |
| Pretax return on assets | 2.9882% | 239 |
| Return on Equity (ROE) | 24.1600% | 424 |
| Retained earnings to average equity (ytd only) | 12.8145% | 845 |
| Net charge-offs to loans | 0.0567% | 1,100 |
| Credit loss provision to net charge-offs | 325.4049% | 838 |
| Earnings coverage of net charge-offs (x) | 76.7813% | 1,068 |
| Efficiency ratio | 42.5633% | 4,295 |
| Assets per employee ($millions) | 11.6437% | 417 |
| Cash dividends to net income (ytd only)* | 46.9697% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 4,231 |
| Loan loss allowance to noncurrent loans | 193.2844% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,090 |
| Noncurrent loans to loans | 0.3259% | 2,065 |
| Net loans and leases to total assets | 67.7500% | 2,076 |
| Net loans and leases to deposits | 87.9192% | 1,395 |
| Net loans and leases to core deposits | 109.5565% | 885 |
| Total domestic deposits to total assets | 75.2200% | 4,078 |
| Equity capital to assets | 8.7200% | 2,587 |
| Core capital (leverage) ratio | 9.6876% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0269% | 2,604 |
| Memoranda: | ||
| Average total assets | $7,762,025,000 | 196 |
| Average earning assets | $6,879,918,000 | 199 |
| Average equity | $703,476,750 | 213 |
| Average total loans | $5,515,964,500 | 190 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7356% | 605 |
| Cost of funding earning assets | 1.9563% | 546 |
| Net interest margin | 3.7793% | 1,663 |
| Noninterest income to average assets | 2.0300% | 236 |
| Noninterest expense to average assets | 2.3419% | 2,675 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.0767% | 421 |
| Return on assets (ROA) | 2.0776% | 415 |
| Pretax return on assets | 2.8256% | 240 |
| Return on Equity (ROE) | 22.6200% | 505 |
| Retained earnings to average equity (ytd only) | 12.6621% | 862 |
| Net charge-offs to loans | 0.0436% | 1,069 |
| Credit loss provision to net charge-offs | 694.8247% | 526 |
| Earnings coverage of net charge-offs (x) | 96.7404% | 955 |
| Efficiency ratio | 43.5022% | 4,276 |
| Assets per employee ($millions) | 11.1551% | 493 |
| Cash dividends to net income (ytd only)* | 44.0200% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 4,260 |
| Loan loss allowance to noncurrent loans | 198.2989% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 1,963 |
| Noncurrent loans to loans | 0.3197% | 1,996 |
| Net loans and leases to total assets | 73.6400% | 1,336 |
| Net loans and leases to deposits | 97.9170% | 613 |
| Net loans and leases to core deposits | 123.9110% | 431 |
| Total domestic deposits to total assets | 72.6400% | 4,268 |
| Equity capital to assets | 9.0683% | 2,471 |
| Core capital (leverage) ratio | 9.8683% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4546% | 2,774 |
| Memoranda: | ||
| Average total assets | $7,628,619,333 | 191 |
| Average earning assets | $6,758,762,000 | 195 |
| Average equity | $700,719,333 | 210 |
| Average total loans | $5,499,535,333 | 183 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5132% | 609 |
| Cost of funding earning assets | 1.6459% | 635 |
| Net interest margin | 3.8673% | 1,545 |
| Noninterest income to average assets | 2.0900% | 221 |
| Noninterest expense to average assets | 2.3293% | 2,729 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 2.1367% | 410 |
| Return on assets (ROA) | 2.1467% | 397 |
| Pretax return on assets | 2.9347% | 211 |
| Return on Equity (ROE) | 23.2200% | 494 |
| Retained earnings to average equity (ytd only) | 23.2162% | 232 |
| Net charge-offs to loans | 0.0743% | 703 |
| Credit loss provision to net charge-offs | 543.4914% | 528 |
| Earnings coverage of net charge-offs (x) | 60.2321% | 1,017 |
| Efficiency ratio | 42.2607% | 4,380 |
| Assets per employee ($millions) | 11.0071% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 4,301 |
| Loan loss allowance to noncurrent loans | 163.6412% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 1,715 |
| Noncurrent loans to loans | 0.4000% | 1,733 |
| Net loans and leases to total assets | 69.9400% | 1,634 |
| Net loans and leases to deposits | 93.4263% | 822 |
| Net loans and leases to core deposits | 115.1108% | 556 |
| Total domestic deposits to total assets | 72.8700% | 4,325 |
| Equity capital to assets | 9.7002% | 1,997 |
| Core capital (leverage) ratio | 9.8597% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4512% | 2,582 |
| Memoranda: | ||
| Average total assets | $7,510,760,000 | 200 |
| Average earning assets | $6,644,095,000 | 201 |
| Average equity | $694,498,500 | 216 |
| Average total loans | $5,334,982,000 | 197 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 2,237 |
| Cost of funding earning assets | 0.6799% | 642 |
| Net interest margin | 3.1338% | 3,075 |
| Noninterest income to average assets | 1.7500% | 295 |
| Noninterest expense to average assets | 1.9911% | 3,599 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8736% | 372 |
| Return on assets (ROA) | 1.8560% | 368 |
| Pretax return on assets | 2.5528% | 200 |
| Return on Equity (ROE) | 22.1300% | 332 |
| Retained earnings to average equity (ytd only) | 16.5900% | 198 |
| Net charge-offs to loans | -0.0182% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.1669% | 4,457 |
| Assets per employee ($millions) | 11.6428% | 435 |
| Cash dividends to net income (ytd only)* | 25.0417% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5476% | 4,398 |
| Loan loss allowance to noncurrent loans | 145.0360% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 1,766 |
| Noncurrent loans to loans | 0.3776% | 1,789 |
| Net loans and leases to total assets | 71.2600% | 1,498 |
| Net loans and leases to deposits | 92.7166% | 869 |
| Net loans and leases to core deposits | 110.2665% | 603 |
| Total domestic deposits to total assets | 74.9600% | 4,319 |
| Equity capital to assets | 8.8042% | 2,487 |
| Core capital (leverage) ratio | 8.8047% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3542% | 2,900 |
| Memoranda: | ||
| Average total assets | $7,745,661,200 | 192 |
| Average earning assets | $7,077,742,400 | 191 |
| Average equity | $649,547,000 | 224 |
| Average total loans | $5,144,563,800 | 188 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 2,940 |
| Cost of funding earning assets | 0.4704% | 876 |
| Net interest margin | 2.9192% | 3,436 |
| Noninterest income to average assets | 1.7200% | 312 |
| Noninterest expense to average assets | 1.9092% | 3,732 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.7608% | 460 |
| Return on assets (ROA) | 1.7366% | 474 |
| Pretax return on assets | 2.4351% | 230 |
| Return on Equity (ROE) | 20.9600% | 363 |
| Retained earnings to average equity (ytd only) | 19.7225% | 113 |
| Net charge-offs to loans | -0.0267% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.2998% | 4,484 |
| Assets per employee ($millions) | 12.3340% | 347 |
| Cash dividends to net income (ytd only)* | 5.9201% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5484% | 4,433 |
| Loan loss allowance to noncurrent loans | 120.6640% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 1,744 |
| Noncurrent loans to loans | 0.4545% | 1,668 |
| Net loans and leases to total assets | 66.0400% | 1,886 |
| Net loans and leases to deposits | 81.4437% | 1,488 |
| Net loans and leases to core deposits | 93.7376% | 1,112 |
| Total domestic deposits to total assets | 79.6600% | 4,127 |
| Equity capital to assets | 8.2053% | 2,754 |
| Core capital (leverage) ratio | 8.5887% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5079% | 2,946 |
| Memoranda: | ||
| Average total assets | $7,781,396,000 | 191 |
| Average earning assets | $7,169,985,500 | 188 |
| Average equity | $644,593,250 | 225 |
| Average total loans | $5,068,897,000 | 191 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0321% | 3,472 |
| Cost of funding earning assets | 0.2746% | 1,963 |
| Net interest margin | 2.7576% | 3,556 |
| Noninterest income to average assets | 1.7287% | 279 |
| Noninterest expense to average assets | 1.8557% | 3,819 |
| Loan and lease loss provision to assets | -0.0102% | 4,398 |
| Net operating income to assets | 1.7807% | 355 |
| Return on assets (ROA) | 1.7569% | 366 |
| Pretax return on assets | 2.4146% | 188 |
| Return on Equity (ROE) | 21.1410% | 236 |
| Retained earnings to average equity (ytd only) | 19.2763% | 90 |
| Net charge-offs to loans | -0.0332% | 4,086 |
| Credit loss provision to net charge-offs | 112.0048% | 1,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2087% | 4,534 |
| Assets per employee ($millions) | 12.7259% | 312 |
| Cash dividends to net income (ytd only)* | 8.8200% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5352% | 4,516 |
| Loan loss allowance to noncurrent loans | 463.6053% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,219 |
| Noncurrent loans to loans | 0.1154% | 3,161 |
| Net loans and leases to total assets | 64.9656% | 1,811 |
| Net loans and leases to deposits | 77.0265% | 1,607 |
| Net loans and leases to core deposits | 86.4471% | 1,310 |
| Total domestic deposits to total assets | 82.3541% | 3,960 |
| Equity capital to assets | 8.1096% | 3,035 |
| Core capital (leverage) ratio | 8.7808% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1104% | 2,999 |
| Memoranda: | ||
| Average total assets | $7,743,945,333 | 188 |
| Average earning assets | $7,193,515,667 | 190 |
| Average equity | $643,556,667 | 223 |
| Average total loans | $5,011,191,000 | 189 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8190% | 3,714 |
| Cost of funding earning assets | 0.2157% | 2,586 |
| Net interest margin | 2.6034% | 3,654 |
| Noninterest income to average assets | 1.8286% | 273 |
| Noninterest expense to average assets | 1.8591% | 3,783 |
| Loan and lease loss provision to assets | -0.0747% | 4,557 |
| Net operating income to assets | 1.8063% | 326 |
| Return on assets (ROA) | 1.7782% | 344 |
| Pretax return on assets | 2.4377% | 195 |
| Return on Equity (ROE) | 21.1214% | 194 |
| Retained earnings to average equity (ytd only) | 21.1214% | 84 |
| Net charge-offs to loans | -0.0230% | 3,984 |
| Credit loss provision to net charge-offs | 393.1900% | 589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6078% | 4,568 |
| Assets per employee ($millions) | 12.5067% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 4,533 |
| Loan loss allowance to noncurrent loans | 438.3039% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,228 |
| Noncurrent loans to loans | 0.1286% | 3,169 |
| Net loans and leases to total assets | 65.4847% | 1,462 |
| Net loans and leases to deposits | 78.4194% | 1,250 |
| Net loans and leases to core deposits | 91.7737% | 825 |
| Total domestic deposits to total assets | 81.5844% | 4,135 |
| Equity capital to assets | 8.6160% | 3,060 |
| Core capital (leverage) ratio | 8.4804% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3644% | 2,999 |
| Memoranda: | ||
| Average total assets | $7,543,635,500 | 192 |
| Average earning assets | $7,038,288,000 | 190 |
| Average equity | $635,091,000 | 232 |
| Average total loans | $4,856,969,000 | 196 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9990% | 3,874 |
| Cost of funding earning assets | 0.3222% | 2,178 |
| Net interest margin | 2.6768% | 3,917 |
| Noninterest income to average assets | 2.1824% | 272 |
| Noninterest expense to average assets | 2.0775% | 3,447 |
| Loan and lease loss provision to assets | -0.0357% | 4,296 |
| Net operating income to assets | 1.8781% | 427 |
| Return on assets (ROA) | 1.8731% | 462 |
| Pretax return on assets | 2.5606% | 235 |
| Return on Equity (ROE) | 20.4459% | 285 |
| Retained earnings to average equity (ytd only) | 16.9609% | 124 |
| Net charge-offs to loans | -0.0449% | 4,284 |
| Credit loss provision to net charge-offs | 139.4083% | 1,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0108% | 4,538 |
| Assets per employee ($millions) | 12.9400% | 322 |
| Cash dividends to net income (ytd only)* | 17.0448% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 4,542 |
| Loan loss allowance to noncurrent loans | 376.2694% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,240 |
| Noncurrent loans to loans | 0.1590% | 3,140 |
| Net loans and leases to total assets | 62.5577% | 1,877 |
| Net loans and leases to deposits | 74.9740% | 1,643 |
| Net loans and leases to core deposits | 84.1779% | 1,316 |
| Total domestic deposits to total assets | 81.8848% | 3,986 |
| Equity capital to assets | 8.2245% | 4,216 |
| Core capital (leverage) ratio | 8.2903% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1337% | 3,031 |
| Memoranda: | ||
| Average total assets | $6,264,346,000 | 222 |
| Average earning assets | $5,678,156,800 | 223 |
| Average equity | $573,896,400 | 248 |
| Average total loans | $4,212,649,600 | 215 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1199% | 3,770 |
| Cost of funding earning assets | 0.3554% | 2,061 |
| Net interest margin | 2.7645% | 3,855 |
| Noninterest income to average assets | 2.2437% | 284 |
| Noninterest expense to average assets | 2.1440% | 3,239 |
| Loan and lease loss provision to assets | -0.1490% | 4,686 |
| Net operating income to assets | 2.0060% | 459 |
| Return on assets (ROA) | 2.0013% | 489 |
| Pretax return on assets | 2.7245% | 247 |
| Return on Equity (ROE) | 21.1525% | 349 |
| Retained earnings to average equity (ytd only) | 16.4009% | 272 |
| Net charge-offs to loans | -0.0719% | 4,494 |
| Credit loss provision to net charge-offs | 311.7942% | 985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3022% | 4,530 |
| Assets per employee ($millions) | 10.7051% | 525 |
| Cash dividends to net income (ytd only)* | 22.4638% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 4,628 |
| Loan loss allowance to noncurrent loans | 383.9727% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 2,999 |
| Noncurrent loans to loans | 0.1581% | 3,335 |
| Net loans and leases to total assets | 65.5677% | 1,592 |
| Net loans and leases to deposits | 82.2706% | 1,098 |
| Net loans and leases to core deposits | 96.3020% | 735 |
| Total domestic deposits to total assets | 77.8324% | 4,439 |
| Equity capital to assets | 9.8290% | 3,081 |
| Core capital (leverage) ratio | 9.2592% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6836% | 2,807 |
| Memoranda: | ||
| Average total assets | $5,931,493,250 | 233 |
| Average earning assets | $5,325,005,750 | 240 |
| Average equity | $561,192,500 | 251 |
| Average total loans | $4,070,728,000 | 220 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 3,875 |
| Cost of funding earning assets | 0.3753% | 2,087 |
| Net interest margin | 2.7228% | 3,937 |
| Noninterest income to average assets | 2.1814% | 296 |
| Noninterest expense to average assets | 2.1817% | 3,149 |
| Loan and lease loss provision to assets | -0.2093% | 4,767 |
| Net operating income to assets | 1.9500% | 534 |
| Return on assets (ROA) | 1.9449% | 560 |
| Pretax return on assets | 2.6403% | 285 |
| Return on Equity (ROE) | 20.8340% | 397 |
| Retained earnings to average equity (ytd only) | 13.5625% | 624 |
| Net charge-offs to loans | -0.0931% | 4,606 |
| Credit loss provision to net charge-offs | 286.5828% | 910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1592% | 4,449 |
| Assets per employee ($millions) | 10.5297% | 520 |
| Cash dividends to net income (ytd only)* | 34.9022% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 4,651 |
| Loan loss allowance to noncurrent loans | 449.7608% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,183 |
| Noncurrent loans to loans | 0.1352% | 3,517 |
| Net loans and leases to total assets | 68.6139% | 1,370 |
| Net loans and leases to deposits | 86.0471% | 908 |
| Net loans and leases to core deposits | 100.6955% | 641 |
| Total domestic deposits to total assets | 77.6200% | 4,462 |
| Equity capital to assets | 9.3931% | 3,428 |
| Core capital (leverage) ratio | 9.0759% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8333% | 2,989 |
| Memoranda: | ||
| Average total assets | $5,892,530,000 | 233 |
| Average earning assets | $5,275,466,333 | 240 |
| Average equity | $550,091,000 | 254 |
| Average total loans | $4,097,635,667 | 220 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 4,041 |
| Cost of funding earning assets | 0.3892% | 2,181 |
| Net interest margin | 2.6265% | 4,097 |
| Noninterest income to average assets | 2.2154% | 316 |
| Noninterest expense to average assets | 2.1851% | 3,154 |
| Loan and lease loss provision to assets | -0.2168% | 4,822 |
| Net operating income to assets | 1.9347% | 626 |
| Return on assets (ROA) | 1.9231% | 680 |
| Pretax return on assets | 2.5762% | 383 |
| Return on Equity (ROE) | 20.6661% | 491 |
| Retained earnings to average equity (ytd only) | 20.6661% | 248 |
| Net charge-offs to loans | -0.0658% | 4,497 |
| Credit loss provision to net charge-offs | 340.5689% | 707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8530% | 4,348 |
| Assets per employee ($millions) | 9.9000% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 4,613 |
| Loan loss allowance to noncurrent loans | 395.3374% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,136 |
| Noncurrent loans to loans | 0.1692% | 3,499 |
| Net loans and leases to total assets | 71.1064% | 1,139 |
| Net loans and leases to deposits | 90.5050% | 675 |
| Net loans and leases to core deposits | 106.5343% | 491 |
| Total domestic deposits to total assets | 76.4536% | 4,559 |
| Equity capital to assets | 9.7207% | 2,979 |
| Core capital (leverage) ratio | 9.1835% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3685% | 2,853 |
| Memoranda: | ||
| Average total assets | $5,816,761,500 | 237 |
| Average earning assets | $5,190,863,500 | 243 |
| Average equity | $541,273,000 | 253 |
| Average total loans | $4,060,228,500 | 221 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 3,864 |
| Cost of funding earning assets | 0.6110% | 2,235 |
| Net interest margin | 2.9625% | 3,978 |
| Noninterest income to average assets | 2.2469% | 286 |
| Noninterest expense to average assets | 2.1884% | 3,695 |
| Loan and lease loss provision to assets | 0.2190% | 1,788 |
| Net operating income to assets | 1.7520% | 435 |
| Return on assets (ROA) | 1.7529% | 473 |
| Pretax return on assets | 2.4232% | 209 |
| Return on Equity (ROE) | 18.8994% | 286 |
| Retained earnings to average equity (ytd only) | 9.9580% | 594 |
| Net charge-offs to loans | 0.0385% | 2,281 |
| Credit loss provision to net charge-offs | 809.3371% | 895 |
| Earnings coverage of net charge-offs (x) | 97.6009% | 797 |
| Efficiency ratio | 45.2319% | 4,747 |
| Assets per employee ($millions) | 10.4237% | 467 |
| Cash dividends to net income (ytd only)* | 47.3105% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,564 |
| Loan loss allowance to noncurrent loans | 296.9457% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,071 |
| Noncurrent loans to loans | 0.2408% | 3,332 |
| Net loans and leases to total assets | 67.6012% | 1,869 |
| Net loans and leases to deposits | 85.9390% | 1,258 |
| Net loans and leases to core deposits | 97.2302% | 1,048 |
| Total domestic deposits to total assets | 76.8067% | 4,436 |
| Equity capital to assets | 8.9061% | 4,138 |
| Core capital (leverage) ratio | 8.7957% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0215% | 2,916 |
| Memoranda: | ||
| Average total assets | $5,185,014,200 | 246 |
| Average earning assets | $4,519,844,600 | 248 |
| Average equity | $480,910,600 | 266 |
| Average total loans | $3,640,087,200 | 234 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 3,693 |
| Cost of funding earning assets | 0.6846% | 2,121 |
| Net interest margin | 3.0602% | 3,842 |
| Noninterest income to average assets | 2.3328% | 265 |
| Noninterest expense to average assets | 2.2515% | 3,549 |
| Loan and lease loss provision to assets | 0.4224% | 797 |
| Net operating income to assets | 1.6709% | 619 |
| Return on assets (ROA) | 1.6722% | 685 |
| Pretax return on assets | 2.3147% | 271 |
| Return on Equity (ROE) | 17.8188% | 375 |
| Retained earnings to average equity (ytd only) | 5.5966% | 2,289 |
| Net charge-offs to loans | 0.1228% | 1,146 |
| Credit loss provision to net charge-offs | 485.4997% | 1,309 |
| Earnings coverage of net charge-offs (x) | 31.4384% | 1,543 |
| Efficiency ratio | 45.0631% | 4,753 |
| Assets per employee ($millions) | 9.6061% | 578 |
| Cash dividends to net income (ytd only)* | 68.5915% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,315 |
| Loan loss allowance to noncurrent loans | 138.2298% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 2,499 |
| Noncurrent loans to loans | 0.5935% | 2,315 |
| Net loans and leases to total assets | 69.8185% | 1,981 |
| Net loans and leases to deposits | 89.1455% | 1,357 |
| Net loans and leases to core deposits | 103.3930% | 958 |
| Total domestic deposits to total assets | 76.7460% | 4,357 |
| Equity capital to assets | 9.0820% | 4,051 |
| Core capital (leverage) ratio | 8.4968% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1850% | 2,877 |
| Memoranda: | ||
| Average total assets | $4,998,490,750 | 247 |
| Average earning assets | $4,335,415,250 | 249 |
| Average equity | $469,081,000 | 268 |
| Average total loans | $3,540,515,500 | 239 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,396 |
| Cost of funding earning assets | 0.7745% | 1,962 |
| Net interest margin | 3.1982% | 3,675 |
| Noninterest income to average assets | 2.3530% | 241 |
| Noninterest expense to average assets | 2.2872% | 3,554 |
| Loan and lease loss provision to assets | 0.7116% | 383 |
| Net operating income to assets | 1.5167% | 898 |
| Return on assets (ROA) | 1.5180% | 970 |
| Pretax return on assets | 2.1301% | 413 |
| Return on Equity (ROE) | 15.9841% | 566 |
| Retained earnings to average equity (ytd only) | -2.6656% | 4,633 |
| Net charge-offs to loans | 0.1611% | 921 |
| Credit loss provision to net charge-offs | 622.3343% | 1,081 |
| Earnings coverage of net charge-offs (x) | 24.8368% | 1,569 |
| Efficiency ratio | 44.5230% | 4,791 |
| Assets per employee ($millions) | 9.8477% | 519 |
| Cash dividends to net income (ytd only)* | 116.6766% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,039 |
| Loan loss allowance to noncurrent loans | 151.5306% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 2,652 |
| Noncurrent loans to loans | 0.5867% | 2,397 |
| Net loans and leases to total assets | 69.3781% | 2,130 |
| Net loans and leases to deposits | 88.8281% | 1,474 |
| Net loans and leases to core deposits | 103.8950% | 1,013 |
| Total domestic deposits to total assets | 75.9660% | 4,433 |
| Equity capital to assets | 8.7015% | 4,351 |
| Core capital (leverage) ratio | 8.1827% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6261% | 3,061 |
| Memoranda: | ||
| Average total assets | $4,855,511,000 | 249 |
| Average earning assets | $4,211,784,000 | 251 |
| Average equity | $461,134,333 | 272 |
| Average total loans | $3,447,123,000 | 241 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 2,859 |
| Cost of funding earning assets | 0.9284% | 1,746 |
| Net interest margin | 3.3916% | 3,319 |
| Noninterest income to average assets | 2.5237% | 196 |
| Noninterest expense to average assets | 2.3422% | 3,676 |
| Loan and lease loss provision to assets | 0.4097% | 744 |
| Net operating income to assets | 1.9519% | 296 |
| Return on assets (ROA) | 1.9549% | 327 |
| Pretax return on assets | 2.7341% | 117 |
| Return on Equity (ROE) | 19.6325% | 178 |
| Retained earnings to average equity (ytd only) | -17.8009% | 4,934 |
| Net charge-offs to loans | 0.0532% | 1,478 |
| Credit loss provision to net charge-offs | 1,076.7654% | 542 |
| Earnings coverage of net charge-offs (x) | 82.5171% | 659 |
| Efficiency ratio | 42.6374% | 4,925 |
| Assets per employee ($millions) | 8.7614% | 576 |
| Cash dividends to net income (ytd only)* | 190.6705% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,607 |
| Loan loss allowance to noncurrent loans | 129.2138% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 2,914 |
| Noncurrent loans to loans | 0.5397% | 2,644 |
| Net loans and leases to total assets | 69.6181% | 2,308 |
| Net loans and leases to deposits | 90.7604% | 1,426 |
| Net loans and leases to core deposits | 110.7126% | 814 |
| Total domestic deposits to total assets | 74.7313% | 4,601 |
| Equity capital to assets | 9.4667% | 4,252 |
| Core capital (leverage) ratio | 9.0681% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1074% | 3,313 |
| Memoranda: | ||
| Average total assets | $4,614,539,500 | 253 |
| Average earning assets | $4,025,352,000 | 254 |
| Average equity | $459,483,000 | 273 |
| Average total loans | $3,302,565,500 | 242 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,350 |
| Cost of funding earning assets | 0.9432% | 1,992 |
| Net interest margin | 3.7503% | 2,663 |
| Noninterest income to average assets | 2.5543% | 197 |
| Noninterest expense to average assets | 2.5247% | 3,381 |
| Loan and lease loss provision to assets | 0.4506% | 304 |
| Net operating income to assets | 2.1392% | 254 |
| Return on assets (ROA) | 2.1396% | 266 |
| Pretax return on assets | 2.9391% | 103 |
| Return on Equity (ROE) | 20.3685% | 197 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,204 |
| Net charge-offs to loans | 0.6740% | 253 |
| Credit loss provision to net charge-offs | 91.3987% | 2,635 |
| Earnings coverage of net charge-offs (x) | 6.8748% | 2,925 |
| Efficiency ratio | 42.5985% | 5,014 |
| Assets per employee ($millions) | 8.7848% | 533 |
| Cash dividends to net income (ytd only)* | 63.6076% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 4,690 |
| Loan loss allowance to noncurrent loans | 113.0773% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 2,751 |
| Noncurrent loans to loans | 0.5556% | 2,510 |
| Net loans and leases to total assets | 72.6238% | 1,988 |
| Net loans and leases to deposits | 89.7591% | 1,619 |
| Net loans and leases to core deposits | 107.5361% | 1,006 |
| Total domestic deposits to total assets | 79.1949% | 4,150 |
| Equity capital to assets | 10.4656% | 3,483 |
| Core capital (leverage) ratio | 9.8566% | 3,665 |
| Tier 1 risk-based capital ratio | 11.4035% | 4,678 |
| Total risk-based capital ratio | 11.9486% | 4,875 |
| Memoranda: | ||
| Average total assets | $4,188,300,800 | 257 |
| Average earning assets | $3,751,948,000 | 256 |
| Average equity | $439,953,400 | 272 |
| Average total loans | $3,063,305,400 | 249 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 2,051 |
| Cost of funding earning assets | 0.9432% | 2,022 |
| Net interest margin | 3.8795% | 2,330 |
| Noninterest income to average assets | 2.6084% | 188 |
| Noninterest expense to average assets | 2.5630% | 3,269 |
| Loan and lease loss provision to assets | 0.5172% | 230 |
| Net operating income to assets | 2.1806% | 278 |
| Return on assets (ROA) | 2.1812% | 293 |
| Pretax return on assets | 2.9922% | 118 |
| Return on Equity (ROE) | 20.7434% | 212 |
| Retained earnings to average equity (ytd only) | 3.1244% | 3,840 |
| Net charge-offs to loans | 0.5998% | 267 |
| Credit loss provision to net charge-offs | 117.8754% | 1,985 |
| Earnings coverage of net charge-offs (x) | 7.9970% | 2,697 |
| Efficiency ratio | 42.1186% | 5,078 |
| Assets per employee ($millions) | 8.5082% | 568 |
| Cash dividends to net income (ytd only)* | 84.9377% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 4,378 |
| Loan loss allowance to noncurrent loans | 115.7504% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 2,493 |
| Noncurrent loans to loans | 0.7024% | 2,199 |
| Net loans and leases to total assets | 70.9028% | 2,340 |
| Net loans and leases to deposits | 89.1655% | 1,793 |
| Net loans and leases to core deposits | 108.1066% | 1,052 |
| Total domestic deposits to total assets | 77.9909% | 4,352 |
| Equity capital to assets | 10.4525% | 3,583 |
| Core capital (leverage) ratio | 9.9126% | 3,724 |
| Tier 1 risk-based capital ratio | 11.4633% | 4,684 |
| Total risk-based capital ratio | 12.1578% | 4,838 |
| Memoranda: | ||
| Average total assets | $4,102,138,250 | 263 |
| Average earning assets | $3,662,098,750 | 261 |
| Average equity | $431,342,000 | 277 |
| Average total loans | $3,000,928,000 | 255 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,977 |
| Cost of funding earning assets | 0.8982% | 2,153 |
| Net interest margin | 3.9292% | 2,157 |
| Noninterest income to average assets | 2.6089% | 189 |
| Noninterest expense to average assets | 2.5998% | 3,200 |
| Loan and lease loss provision to assets | 0.5972% | 188 |
| Net operating income to assets | 2.1556% | 293 |
| Return on assets (ROA) | 2.1563% | 309 |
| Pretax return on assets | 2.9532% | 129 |
| Return on Equity (ROE) | 20.4640% | 226 |
| Retained earnings to average equity (ytd only) | -6.3330% | 5,105 |
| Net charge-offs to loans | 0.7497% | 192 |
| Credit loss provision to net charge-offs | 108.0190% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.4198% | 2,572 |
| Efficiency ratio | 42.1820% | 5,112 |
| Assets per employee ($millions) | 8.2177% | 617 |
| Cash dividends to net income (ytd only)* | 130.9472% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 4,610 |
| Loan loss allowance to noncurrent loans | 80.5132% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 1,997 |
| Noncurrent loans to loans | 0.9275% | 1,763 |
| Net loans and leases to total assets | 73.5557% | 1,955 |
| Net loans and leases to deposits | 91.0375% | 1,621 |
| Net loans and leases to core deposits | 113.9653% | 779 |
| Total domestic deposits to total assets | 78.8323% | 4,250 |
| Equity capital to assets | 10.0607% | 3,928 |
| Core capital (leverage) ratio | 9.7625% | 3,866 |
| Tier 1 risk-based capital ratio | 10.7148% | 5,034 |
| Total risk-based capital ratio | 11.3602% | 5,147 |
| Memoranda: | ||
| Average total assets | $4,037,306,000 | 269 |
| Average earning assets | $3,637,688,330 | 265 |
| Average equity | $425,420,330 | 279 |
| Average total loans | $2,977,435,670 | 257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 1,987 |
| Cost of funding earning assets | 0.8688% | 2,166 |
| Net interest margin | 3.9019% | 2,184 |
| Noninterest income to average assets | 2.5885% | 180 |
| Noninterest expense to average assets | 2.5766% | 3,278 |
| Loan and lease loss provision to assets | 0.5013% | 217 |
| Net operating income to assets | 2.2372% | 256 |
| Return on assets (ROA) | 2.2374% | 268 |
| Pretax return on assets | 3.0455% | 121 |
| Return on Equity (ROE) | 20.7285% | 229 |
| Retained earnings to average equity (ytd only) | -21.6419% | 5,267 |
| Net charge-offs to loans | 0.0772% | 1,301 |
| Credit loss provision to net charge-offs | 882.4687% | 413 |
| Earnings coverage of net charge-offs (x) | 62.4258% | 896 |
| Efficiency ratio | 41.9798% | 5,162 |
| Assets per employee ($millions) | 8.3011% | 603 |
| Cash dividends to net income (ytd only)* | 204.4061% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,059 |
| Loan loss allowance to noncurrent loans | 70.9232% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,511 |
| Noncurrent loans to loans | 1.3019% | 1,258 |
| Net loans and leases to total assets | 70.8833% | 2,345 |
| Net loans and leases to deposits | 86.1414% | 2,115 |
| Net loans and leases to core deposits | 108.0850% | 1,046 |
| Total domestic deposits to total assets | 80.2838% | 4,119 |
| Equity capital to assets | 10.1902% | 3,634 |
| Core capital (leverage) ratio | 10.0135% | 3,587 |
| Tier 1 risk-based capital ratio | 11.0466% | 4,954 |
| Total risk-based capital ratio | 11.8324% | 5,053 |
| Memoranda: | ||
| Average total assets | $3,935,782,500 | 273 |
| Average earning assets | $3,565,358,500 | 271 |
| Average equity | $424,825,000 | 279 |
| Average total loans | $2,894,908,000 | 265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,526 |
| Cost of funding earning assets | 0.7092% | 2,034 |
| Net interest margin | 3.7673% | 2,793 |
| Noninterest income to average assets | 2.5577% | 192 |
| Noninterest expense to average assets | 2.5653% | 3,425 |
| Loan and lease loss provision to assets | 0.2661% | 633 |
| Net operating income to assets | 2.3138% | 213 |
| Return on assets (ROA) | 2.3108% | 203 |
| Pretax return on assets | 3.1480% | 84 |
| Return on Equity (ROE) | 20.5355% | 225 |
| Retained earnings to average equity (ytd only) | 9.8686% | 641 |
| Net charge-offs to loans | 0.1969% | 976 |
| Credit loss provision to net charge-offs | 178.5610% | 1,584 |
| Earnings coverage of net charge-offs (x) | 22.9389% | 1,872 |
| Efficiency ratio | 42.7579% | 5,218 |
| Assets per employee ($millions) | 7.8262% | 697 |
| Cash dividends to net income (ytd only)* | 51.9438% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 4,588 |
| Loan loss allowance to noncurrent loans | 58.4955% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 1,347 |
| Noncurrent loans to loans | 1.3410% | 1,171 |
| Net loans and leases to total assets | 75.1176% | 1,755 |
| Net loans and leases to deposits | 92.5558% | 1,464 |
| Net loans and leases to core deposits | 116.2895% | 677 |
| Total domestic deposits to total assets | 79.5622% | 4,199 |
| Equity capital to assets | 11.4422% | 2,298 |
| Core capital (leverage) ratio | 10.7165% | 2,821 |
| Tier 1 risk-based capital ratio | 11.8692% | 4,518 |
| Total risk-based capital ratio | 12.5396% | 4,728 |
| Memoranda: | ||
| Average total assets | $3,665,750,200 | 281 |
| Average earning assets | $3,333,123,800 | 279 |
| Average equity | $412,490,000 | 275 |
| Average total loans | $2,774,606,400 | 267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 2,581 |
| Cost of funding earning assets | 0.6636% | 2,077 |
| Net interest margin | 3.7504% | 2,826 |
| Noninterest income to average assets | 2.6312% | 193 |
| Noninterest expense to average assets | 2.5284% | 3,507 |
| Loan and lease loss provision to assets | 0.2634% | 581 |
| Net operating income to assets | 2.3916% | 187 |
| Return on assets (ROA) | 2.3874% | 190 |
| Pretax return on assets | 3.2503% | 91 |
| Return on Equity (ROE) | 21.3107% | 196 |
| Retained earnings to average equity (ytd only) | 6.8979% | 2,178 |
| Net charge-offs to loans | 0.2587% | 645 |
| Credit loss provision to net charge-offs | 134.5015% | 1,851 |
| Earnings coverage of net charge-offs (x) | 17.9702% | 2,081 |
| Efficiency ratio | 41.6908% | 5,283 |
| Assets per employee ($millions) | 7.9075% | 673 |
| Cash dividends to net income (ytd only)* | 67.6320% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 4,802 |
| Loan loss allowance to noncurrent loans | 65.0342% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 1,749 |
| Noncurrent loans to loans | 1.1282% | 1,506 |
| Net loans and leases to total assets | 73.6491% | 2,050 |
| Net loans and leases to deposits | 91.4307% | 1,701 |
| Net loans and leases to core deposits | 123.4724% | 478 |
| Total domestic deposits to total assets | 78.8006% | 4,359 |
| Equity capital to assets | 11.3117% | 2,388 |
| Core capital (leverage) ratio | 10.5750% | 3,001 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,479 |
| Total risk-based capital ratio | 12.6796% | 4,708 |
| Memoranda: | ||
| Average total assets | $3,633,255,250 | 282 |
| Average earning assets | $3,309,328,500 | 278 |
| Average equity | $407,034,000 | 276 |
| Average total loans | $2,749,806,750 | 268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,528 |
| Cost of funding earning assets | 0.6191% | 2,112 |
| Net interest margin | 3.7447% | 2,771 |
| Noninterest income to average assets | 2.5767% | 200 |
| Noninterest expense to average assets | 2.5281% | 3,556 |
| Loan and lease loss provision to assets | 0.2916% | 479 |
| Net operating income to assets | 2.3186% | 197 |
| Return on assets (ROA) | 2.3124% | 193 |
| Pretax return on assets | 3.1713% | 90 |
| Return on Equity (ROE) | 20.7097% | 220 |
| Retained earnings to average equity (ytd only) | 8.3081% | 1,489 |
| Net charge-offs to loans | 0.3554% | 445 |
| Credit loss provision to net charge-offs | 107.6703% | 1,922 |
| Earnings coverage of net charge-offs (x) | 12.8165% | 2,180 |
| Efficiency ratio | 42.0195% | 5,345 |
| Assets per employee ($millions) | 7.7139% | 703 |
| Cash dividends to net income (ytd only)* | 59.8831% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 4,990 |
| Loan loss allowance to noncurrent loans | 127.5280% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 3,084 |
| Noncurrent loans to loans | 0.5277% | 2,836 |
| Net loans and leases to total assets | 74.7168% | 1,830 |
| Net loans and leases to deposits | 92.7168% | 1,505 |
| Net loans and leases to core deposits | 126.1421% | 404 |
| Total domestic deposits to total assets | 78.6631% | 4,479 |
| Equity capital to assets | 11.2202% | 2,438 |
| Core capital (leverage) ratio | 10.5926% | 2,932 |
| Tier 1 risk-based capital ratio | 11.8688% | 4,576 |
| Total risk-based capital ratio | 12.4553% | 4,847 |
| Memoranda: | ||
| Average total assets | $3,610,768,000 | 280 |
| Average earning assets | $3,299,720,000 | 278 |
| Average equity | $403,174,330 | 275 |
| Average total loans | $2,751,178,670 | 267 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,903 |
| Cost of funding earning assets | 0.5614% | 2,310 |
| Net interest margin | 3.6323% | 3,060 |
| Noninterest income to average assets | 2.4830% | 198 |
| Noninterest expense to average assets | 2.5048% | 3,626 |
| Loan and lease loss provision to assets | 0.3939% | 286 |
| Net operating income to assets | 2.1345% | 273 |
| Return on assets (ROA) | 2.1220% | 283 |
| Pretax return on assets | 2.8985% | 124 |
| Return on Equity (ROE) | 19.0519% | 316 |
| Retained earnings to average equity (ytd only) | 14.0256% | 405 |
| Net charge-offs to loans | 0.4867% | 314 |
| Credit loss provision to net charge-offs | 105.5189% | 1,496 |
| Earnings coverage of net charge-offs (x) | 8.8623% | 2,003 |
| Efficiency ratio | 42.9601% | 5,379 |
| Assets per employee ($millions) | 7.6339% | 727 |
| Cash dividends to net income (ytd only)* | 26.3824% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 5,072 |
| Loan loss allowance to noncurrent loans | 87.0486% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 2,483 |
| Noncurrent loans to loans | 0.7725% | 2,278 |
| Net loans and leases to total assets | 76.2870% | 1,491 |
| Net loans and leases to deposits | 95.6070% | 1,075 |
| Net loans and leases to core deposits | 135.8108% | 260 |
| Total domestic deposits to total assets | 77.7038% | 4,766 |
| Equity capital to assets | 11.5475% | 2,092 |
| Core capital (leverage) ratio | 10.8366% | 2,596 |
| Tier 1 risk-based capital ratio | 11.8409% | 4,658 |
| Total risk-based capital ratio | 12.4238% | 4,937 |
| Memoranda: | ||
| Average total assets | $3,572,524,000 | 282 |
| Average earning assets | $3,275,276,500 | 277 |
| Average equity | $397,902,000 | 280 |
| Average total loans | $2,739,935,000 | 268 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 3,747 |
| Cost of funding earning assets | 0.4459% | 2,817 |
| Net interest margin | 3.4466% | 3,698 |
| Noninterest income to average assets | 2.2233% | 255 |
| Noninterest expense to average assets | 2.2666% | 4,411 |
| Loan and lease loss provision to assets | 0.1537% | 1,469 |
| Net operating income to assets | 1.7121% | 513 |
| Return on assets (ROA) | 1.7127% | 530 |
| Pretax return on assets | 2.9588% | 104 |
| Return on Equity (ROE) | 15.4036% | 558 |
| Retained earnings to average equity (ytd only) | 1.5999% | 4,351 |
| Net charge-offs to loans | 0.1136% | 1,920 |
| Credit loss provision to net charge-offs | 176.7742% | 1,536 |
| Earnings coverage of net charge-offs (x) | 35.7946% | 1,356 |
| Efficiency ratio | 42.0703% | 5,495 |
| Assets per employee ($millions) | 8.4075% | 550 |
| Cash dividends to net income (ytd only)* | 89.6135% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,124 |
| Loan loss allowance to noncurrent loans | 110.1100% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,917 |
| Noncurrent loans to loans | 0.6094% | 2,710 |
| Net loans and leases to total assets | 76.0715% | 1,578 |
| Net loans and leases to deposits | 92.4911% | 1,455 |
| Net loans and leases to core deposits | 133.1071% | 286 |
| Total domestic deposits to total assets | 80.4771% | 4,253 |
| Equity capital to assets | 10.7264% | 2,917 |
| Core capital (leverage) ratio | 10.3018% | 3,068 |
| Tier 1 risk-based capital ratio | 10.9693% | 5,167 |
| Total risk-based capital ratio | 11.5520% | 5,366 |
| Memoranda: | ||
| Average total assets | $3,387,977,600 | 282 |
| Average earning assets | $3,101,069,800 | 277 |
| Average equity | $376,711,800 | 278 |
| Average total loans | $2,592,838,000 | 270 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,788 |
| Cost of funding earning assets | 0.4229% | 2,958 |
| Net interest margin | 3.4399% | 3,710 |
| Noninterest income to average assets | 2.2594% | 256 |
| Noninterest expense to average assets | 2.2365% | 4,452 |
| Loan and lease loss provision to assets | 0.1288% | 1,681 |
| Net operating income to assets | 1.9013% | 389 |
| Return on assets (ROA) | 1.9018% | 395 |
| Pretax return on assets | 3.0399% | 109 |
| Return on Equity (ROE) | 16.9444% | 432 |
| Retained earnings to average equity (ytd only) | 4.5101% | 3,218 |
| Net charge-offs to loans | 0.1095% | 1,694 |
| Credit loss provision to net charge-offs | 153.6156% | 1,660 |
| Earnings coverage of net charge-offs (x) | 37.7954% | 1,360 |
| Efficiency ratio | 41.3099% | 5,547 |
| Assets per employee ($millions) | 8.1173% | 605 |
| Cash dividends to net income (ytd only)* | 73.3830% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 5,206 |
| Loan loss allowance to noncurrent loans | 140.3248% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 3,491 |
| Noncurrent loans to loans | 0.4766% | 3,257 |
| Net loans and leases to total assets | 74.7222% | 1,801 |
| Net loans and leases to deposits | 91.0247% | 1,687 |
| Net loans and leases to core deposits | 126.3679% | 401 |
| Total domestic deposits to total assets | 80.5643% | 4,187 |
| Equity capital to assets | 11.3794% | 2,485 |
| Core capital (leverage) ratio | 10.2997% | 3,202 |
| Tier 1 risk-based capital ratio | 11.7428% | 4,810 |
| Total risk-based capital ratio | 12.3168% | 5,097 |
| Memoranda: | ||
| Average total assets | $3,343,780,500 | 283 |
| Average earning assets | $3,056,988,250 | 280 |
| Average equity | $375,296,750 | 280 |
| Average total loans | $2,558,524,750 | 273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 4,142 |
| Cost of funding earning assets | 0.3858% | 3,224 |
| Net interest margin | 3.3405% | 3,980 |
| Noninterest income to average assets | 2.2080% | 274 |
| Noninterest expense to average assets | 2.2267% | 4,509 |
| Loan and lease loss provision to assets | 0.1383% | 1,493 |
| Net operating income to assets | 1.8235% | 433 |
| Return on assets (ROA) | 1.8239% | 445 |
| Pretax return on assets | 2.9008% | 125 |
| Return on Equity (ROE) | 16.3277% | 488 |
| Retained earnings to average equity (ytd only) | 2.8422% | 4,017 |
| Net charge-offs to loans | 0.0994% | 1,627 |
| Credit loss provision to net charge-offs | 180.7087% | 1,353 |
| Earnings coverage of net charge-offs (x) | 39.7087% | 1,256 |
| Efficiency ratio | 42.2201% | 5,565 |
| Assets per employee ($millions) | 8.1516% | 587 |
| Cash dividends to net income (ytd only)* | 82.5928% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,287 |
| Loan loss allowance to noncurrent loans | 149.3958% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 3,684 |
| Noncurrent loans to loans | 0.4399% | 3,436 |
| Net loans and leases to total assets | 74.7975% | 1,732 |
| Net loans and leases to deposits | 90.6797% | 1,646 |
| Net loans and leases to core deposits | 127.6140% | 354 |
| Total domestic deposits to total assets | 80.5400% | 4,302 |
| Equity capital to assets | 10.9377% | 2,882 |
| Core capital (leverage) ratio | 10.5910% | 2,823 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,085 |
| Total risk-based capital ratio | 11.8720% | 5,345 |
| Memoranda: | ||
| Average total assets | $3,319,241,000 | 284 |
| Average earning assets | $3,037,826,670 | 282 |
| Average equity | $370,769,670 | 286 |
| Average total loans | $2,554,449,670 | 274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 3,957 |
| Cost of funding earning assets | 0.3623% | 3,385 |
| Net interest margin | 3.3815% | 3,705 |
| Noninterest income to average assets | 2.4283% | 245 |
| Noninterest expense to average assets | 2.2153% | 4,600 |
| Loan and lease loss provision to assets | 0.2510% | 596 |
| Net operating income to assets | 1.9379% | 339 |
| Return on assets (ROA) | 1.9379% | 353 |
| Pretax return on assets | 3.0707% | 127 |
| Return on Equity (ROE) | 17.1598% | 402 |
| Retained earnings to average equity (ytd only) | 0.8368% | 4,713 |
| Net charge-offs to loans | 0.0450% | 1,942 |
| Credit loss provision to net charge-offs | 716.4912% | 448 |
| Earnings coverage of net charge-offs (x) | 94.8351% | 567 |
| Efficiency ratio | 39.9410% | 5,698 |
| Assets per employee ($millions) | 7.8297% | 661 |
| Cash dividends to net income (ytd only)* | 95.1233% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 5,300 |
| Loan loss allowance to noncurrent loans | 181.9345% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,846 |
| Noncurrent loans to loans | 0.3865% | 3,722 |
| Net loans and leases to total assets | 78.0027% | 1,136 |
| Net loans and leases to deposits | 95.1588% | 994 |
| Net loans and leases to core deposits | 131.4208% | 245 |
| Total domestic deposits to total assets | 80.4471% | 4,536 |
| Equity capital to assets | 11.4662% | 2,205 |
| Core capital (leverage) ratio | 10.4570% | 2,952 |
| Tier 1 risk-based capital ratio | 11.4609% | 5,054 |
| Total risk-based capital ratio | 12.0752% | 5,319 |
| Memoranda: | ||
| Average total assets | $3,254,794,500 | 293 |
| Average earning assets | $2,992,139,000 | 287 |
| Average equity | $367,580,500 | 289 |
| Average total loans | $2,533,585,500 | 278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,202 |
| Cost of funding earning assets | 0.3346% | 3,696 |
| Net interest margin | 3.3654% | 3,938 |
| Noninterest income to average assets | 2.2111% | 296 |
| Noninterest expense to average assets | 2.3060% | 4,544 |
| Loan and lease loss provision to assets | 0.1672% | 1,467 |
| Net operating income to assets | 1.6843% | 564 |
| Return on assets (ROA) | 1.7036% | 567 |
| Pretax return on assets | 2.7302% | 148 |
| Return on Equity (ROE) | 15.9364% | 514 |
| Retained earnings to average equity (ytd only) | 12.0203% | 216 |
| Net charge-offs to loans | 0.2412% | 1,158 |
| Credit loss provision to net charge-offs | 94.3153% | 2,718 |
| Earnings coverage of net charge-offs (x) | 16.1709% | 2,136 |
| Efficiency ratio | 44.5081% | 5,678 |
| Assets per employee ($millions) | 8.1475% | 570 |
| Cash dividends to net income (ytd only)* | 24.5737% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 5,481 |
| Loan loss allowance to noncurrent loans | 223.3859% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,294 |
| Noncurrent loans to loans | 0.2824% | 4,143 |
| Net loans and leases to total assets | 76.6575% | 1,413 |
| Net loans and leases to deposits | 92.9532% | 1,305 |
| Net loans and leases to core deposits | 122.6678% | 410 |
| Total domestic deposits to total assets | 80.4727% | 4,458 |
| Equity capital to assets | 11.1247% | 2,510 |
| Core capital (leverage) ratio | 9.6387% | 3,920 |
| Tier 1 risk-based capital ratio | 11.1906% | 5,226 |
| Total risk-based capital ratio | 11.7360% | 5,512 |
| Memoranda: | ||
| Average total assets | $3,105,295,400 | 289 |
| Average earning assets | $2,733,165,200 | 293 |
| Average equity | $331,956,200 | 298 |
| Average total loans | $2,282,835,600 | 283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 4,510 |
| Cost of funding earning assets | 0.3230% | 3,835 |
| Net interest margin | 3.2912% | 4,215 |
| Noninterest income to average assets | 2.2690% | 294 |
| Noninterest expense to average assets | 2.2893% | 4,563 |
| Loan and lease loss provision to assets | 0.0803% | 2,603 |
| Net operating income to assets | 1.7294% | 566 |
| Return on assets (ROA) | 1.7514% | 564 |
| Pretax return on assets | 2.7996% | 143 |
| Return on Equity (ROE) | 16.5652% | 485 |
| Retained earnings to average equity (ytd only) | 16.5652% | 98 |
| Net charge-offs to loans | 0.2284% | 1,032 |
| Credit loss provision to net charge-offs | 48.4609% | 3,052 |
| Earnings coverage of net charge-offs (x) | 17.1742% | 2,064 |
| Efficiency ratio | 44.5181% | 5,729 |
| Assets per employee ($millions) | 8.5382% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 5,628 |
| Loan loss allowance to noncurrent loans | 167.4570% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 4,275 |
| Noncurrent loans to loans | 0.3500% | 3,995 |
| Net loans and leases to total assets | 71.3876% | 2,282 |
| Net loans and leases to deposits | 87.8327% | 2,039 |
| Net loans and leases to core deposits | 115.3015% | 681 |
| Total domestic deposits to total assets | 79.8833% | 4,538 |
| Equity capital to assets | 10.7682% | 3,289 |
| Core capital (leverage) ratio | 10.2512% | 3,280 |
| Tier 1 risk-based capital ratio | 11.4164% | 5,145 |
| Total risk-based capital ratio | 11.9141% | 5,454 |
| Memoranda: | ||
| Average total assets | $3,058,722,750 | 291 |
| Average earning assets | $2,663,333,000 | 297 |
| Average equity | $323,400,500 | 304 |
| Average total loans | $2,218,727,500 | 283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,684 |
| Cost of funding earning assets | 0.3170% | 3,937 |
| Net interest margin | 3.2517% | 4,371 |
| Noninterest income to average assets | 2.3676% | 271 |
| Noninterest expense to average assets | 2.3182% | 4,555 |
| Loan and lease loss provision to assets | 0.1851% | 1,175 |
| Net operating income to assets | 1.6785% | 604 |
| Return on assets (ROA) | 1.6924% | 624 |
| Pretax return on assets | 2.6926% | 168 |
| Return on Equity (ROE) | 16.1223% | 525 |
| Retained earnings to average equity (ytd only) | 16.1223% | 113 |
| Net charge-offs to loans | 0.1937% | 1,185 |
| Credit loss provision to net charge-offs | 131.2409% | 1,760 |
| Earnings coverage of net charge-offs (x) | 20.2516% | 1,735 |
| Efficiency ratio | 44.7384% | 5,800 |
| Assets per employee ($millions) | 7.6621% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 5,373 |
| Loan loss allowance to noncurrent loans | 210.3891% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,279 |
| Noncurrent loans to loans | 0.3616% | 4,072 |
| Net loans and leases to total assets | 70.5405% | 2,393 |
| Net loans and leases to deposits | 87.6967% | 2,036 |
| Net loans and leases to core deposits | 106.6958% | 1,123 |
| Total domestic deposits to total assets | 78.4423% | 4,903 |
| Equity capital to assets | 10.2946% | 3,872 |
| Core capital (leverage) ratio | 9.5581% | 4,122 |
| Tier 1 risk-based capital ratio | 10.7175% | 5,570 |
| Total risk-based capital ratio | 11.3630% | 5,756 |
| Memoranda: | ||
| Average total assets | $2,937,022,330 | 294 |
| Average earning assets | $2,535,002,670 | 310 |
| Average equity | $308,305,670 | 313 |
| Average total loans | $2,138,772,000 | 289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,772 |
| Cost of funding earning assets | 0.3187% | 3,961 |
| Net interest margin | 3.2271% | 4,485 |
| Noninterest income to average assets | 2.2843% | 287 |
| Noninterest expense to average assets | 2.3378% | 4,557 |
| Loan and lease loss provision to assets | 0.2069% | 942 |
| Net operating income to assets | 1.6199% | 675 |
| Return on assets (ROA) | 1.6376% | 691 |
| Pretax return on assets | 2.5816% | 210 |
| Return on Equity (ROE) | 15.4346% | 611 |
| Retained earnings to average equity (ytd only) | 15.4346% | 224 |
| Net charge-offs to loans | 0.1011% | 1,520 |
| Credit loss provision to net charge-offs | 277.2727% | 896 |
| Earnings coverage of net charge-offs (x) | 37.0057% | 1,061 |
| Efficiency ratio | 45.7863% | 5,820 |
| Assets per employee ($millions) | 7.2604% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 5,234 |
| Loan loss allowance to noncurrent loans | 210.4650% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 4,056 |
| Noncurrent loans to loans | 0.4030% | 3,992 |
| Net loans and leases to total assets | 70.8385% | 2,217 |
| Net loans and leases to deposits | 89.1202% | 1,688 |
| Net loans and leases to core deposits | 108.5440% | 944 |
| Total domestic deposits to total assets | 77.9334% | 5,158 |
| Equity capital to assets | 10.8327% | 3,130 |
| Core capital (leverage) ratio | 9.8202% | 3,749 |
| Tier 1 risk-based capital ratio | 11.0832% | 5,462 |
| Total risk-based capital ratio | 12.1968% | 5,442 |
| Memoranda: | ||
| Average total assets | $2,830,980,000 | 302 |
| Average earning assets | $2,468,847,500 | 312 |
| Average equity | $300,364,500 | 318 |
| Average total loans | $2,088,945,000 | 291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,925 |
| Cost of funding earning assets | 0.3055% | 4,191 |
| Net interest margin | 3.1922% | 4,653 |
| Noninterest income to average assets | 2.3030% | 295 |
| Noninterest expense to average assets | 2.3949% | 4,526 |
| Loan and lease loss provision to assets | 0.2123% | 981 |
| Net operating income to assets | 1.5829% | 736 |
| Return on assets (ROA) | 1.5851% | 757 |
| Pretax return on assets | 2.5248% | 195 |
| Return on Equity (ROE) | 15.6213% | 596 |
| Retained earnings to average equity (ytd only) | 15.6213% | 122 |
| Net charge-offs to loans | 0.1318% | 2,053 |
| Credit loss provision to net charge-offs | 217.6735% | 1,304 |
| Earnings coverage of net charge-offs (x) | 28.0251% | 1,526 |
| Efficiency ratio | 46.6175% | 5,895 |
| Assets per employee ($millions) | 6.8829% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 5,492 |
| Loan loss allowance to noncurrent loans | 303.5013% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,410 |
| Noncurrent loans to loans | 0.2529% | 4,529 |
| Net loans and leases to total assets | 75.5978% | 1,478 |
| Net loans and leases to deposits | 93.7224% | 1,225 |
| Net loans and leases to core deposits | 110.3020% | 836 |
| Total domestic deposits to total assets | 79.0678% | 4,964 |
| Equity capital to assets | 10.3824% | 3,514 |
| Core capital (leverage) ratio | 9.1122% | 4,737 |
| Tier 1 risk-based capital ratio | 10.1815% | 5,901 |
| Total risk-based capital ratio | 11.2467% | 5,903 |
| Memoranda: | ||
| Average total assets | $2,732,008,400 | 298 |
| Average earning assets | $2,418,376,200 | 301 |
| Average equity | $277,211,400 | 326 |
| Average total loans | $2,022,566,000 | 282 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 4,980 |
| Cost of funding earning assets | 0.3065% | 4,261 |
| Net interest margin | 3.1944% | 4,685 |
| Noninterest income to average assets | 2.3296% | 287 |
| Noninterest expense to average assets | 2.3903% | 4,541 |
| Loan and lease loss provision to assets | 0.2283% | 810 |
| Net operating income to assets | 1.5986% | 772 |
| Return on assets (ROA) | 1.6014% | 798 |
| Pretax return on assets | 2.5367% | 231 |
| Return on Equity (ROE) | 15.8777% | 607 |
| Retained earnings to average equity (ytd only) | 15.8777% | 131 |
| Net charge-offs to loans | 0.1239% | 1,887 |
| Credit loss provision to net charge-offs | 250.7012% | 1,134 |
| Earnings coverage of net charge-offs (x) | 30.3161% | 1,482 |
| Efficiency ratio | 46.3227% | 5,951 |
| Assets per employee ($millions) | 6.8349% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 5,529 |
| Loan loss allowance to noncurrent loans | 197.9569% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 4,363 |
| Noncurrent loans to loans | 0.4012% | 4,178 |
| Net loans and leases to total assets | 72.8383% | 1,930 |
| Net loans and leases to deposits | 90.3905% | 1,595 |
| Net loans and leases to core deposits | 106.5691% | 1,059 |
| Total domestic deposits to total assets | 78.9301% | 4,995 |
| Equity capital to assets | 10.2501% | 3,876 |
| Core capital (leverage) ratio | 8.9901% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2939% | 5,950 |
| Total risk-based capital ratio | 11.3900% | 5,943 |
| Memoranda: | ||
| Average total assets | $2,714,674,750 | 307 |
| Average earning assets | $2,397,516,250 | 307 |
| Average equity | $273,802,500 | 331 |
| Average total loans | $1,994,673,500 | 287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 5,108 |
| Cost of funding earning assets | 0.3105% | 4,273 |
| Net interest margin | 3.1391% | 4,857 |
| Noninterest income to average assets | 2.4210% | 283 |
| Noninterest expense to average assets | 2.3701% | 4,657 |
| Loan and lease loss provision to assets | 0.2293% | 815 |
| Net operating income to assets | 1.6585% | 674 |
| Return on assets (ROA) | 1.6625% | 697 |
| Pretax return on assets | 2.6112% | 215 |
| Return on Equity (ROE) | 16.5760% | 542 |
| Retained earnings to average equity (ytd only) | 16.5760% | 139 |
| Net charge-offs to loans | 0.0675% | 2,419 |
| Credit loss provision to net charge-offs | 462.5749% | 664 |
| Earnings coverage of net charge-offs (x) | 57.1662% | 868 |
| Efficiency ratio | 45.4542% | 6,059 |
| Assets per employee ($millions) | 6.8235% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,675 |
| Loan loss allowance to noncurrent loans | 162.2304% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 4,259 |
| Noncurrent loans to loans | 0.4728% | 4,059 |
| Net loans and leases to total assets | 74.2946% | 1,614 |
| Net loans and leases to deposits | 90.9023% | 1,493 |
| Net loans and leases to core deposits | 108.0241% | 950 |
| Total domestic deposits to total assets | 79.6049% | 4,955 |
| Equity capital to assets | 10.0857% | 3,937 |
| Core capital (leverage) ratio | 9.3809% | 4,448 |
| Tier 1 risk-based capital ratio | 10.1358% | 6,045 |
| Total risk-based capital ratio | 11.3853% | 5,992 |
| Memoranda: | ||
| Average total assets | $2,694,582,000 | 305 |
| Average earning assets | $2,389,266,670 | 308 |
| Average equity | $270,258,330 | 333 |
| Average total loans | $1,980,428,000 | 285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 5,019 |
| Cost of funding earning assets | 0.3280% | 4,126 |
| Net interest margin | 3.1521% | 4,779 |
| Noninterest income to average assets | 2.0625% | 357 |
| Noninterest expense to average assets | 2.3727% | 4,675 |
| Loan and lease loss provision to assets | 0.0961% | 2,087 |
| Net operating income to assets | 1.4737% | 901 |
| Return on assets (ROA) | 1.4817% | 936 |
| Pretax return on assets | 2.3822% | 286 |
| Return on Equity (ROE) | 14.8165% | 738 |
| Retained earnings to average equity (ytd only) | 14.8165% | 299 |
| Net charge-offs to loans | 0.1070% | 1,669 |
| Credit loss provision to net charge-offs | 123.3591% | 1,422 |
| Earnings coverage of net charge-offs (x) | 31.6544% | 1,120 |
| Efficiency ratio | 48.9464% | 5,974 |
| Assets per employee ($millions) | 6.7132% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,896 |
| Loan loss allowance to noncurrent loans | 138.8212% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,136 |
| Noncurrent loans to loans | 0.5091% | 4,055 |
| Net loans and leases to total assets | 72.6212% | 1,712 |
| Net loans and leases to deposits | 89.6055% | 1,429 |
| Net loans and leases to core deposits | 108.3440% | 806 |
| Total domestic deposits to total assets | 79.3262% | 5,208 |
| Equity capital to assets | 10.1837% | 3,901 |
| Core capital (leverage) ratio | 8.8863% | 5,088 |
| Tier 1 risk-based capital ratio | 10.1723% | 6,120 |
| Total risk-based capital ratio | 11.4030% | 6,068 |
| Memoranda: | ||
| Average total assets | $2,660,113,000 | 307 |
| Average earning assets | $2,342,569,000 | 312 |
| Average equity | $266,027,000 | 334 |
| Average total loans | $1,936,134,000 | 287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 4,932 |
| Cost of funding earning assets | 0.2903% | 4,889 |
| Net interest margin | 3.3587% | 4,375 |
| Noninterest income to average assets | 2.2617% | 280 |
| Noninterest expense to average assets | 2.6116% | 4,171 |
| Loan and lease loss provision to assets | 0.1621% | 1,622 |
| Net operating income to assets | 1.5075% | 862 |
| Return on assets (ROA) | 1.5034% | 909 |
| Pretax return on assets | 2.4582% | 207 |
| Return on Equity (ROE) | 14.7054% | 828 |
| Retained earnings to average equity (ytd only) | 14.7054% | 154 |
| Net charge-offs to loans | 0.1954% | 2,101 |
| Credit loss provision to net charge-offs | 109.9782% | 2,170 |
| Earnings coverage of net charge-offs (x) | 17.8195% | 1,891 |
| Efficiency ratio | 49.7522% | 6,105 |
| Assets per employee ($millions) | 6.8935% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 6,000 |
| Loan loss allowance to noncurrent loans | 158.9455% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 4,392 |
| Noncurrent loans to loans | 0.4371% | 4,334 |
| Net loans and leases to total assets | 71.9357% | 1,923 |
| Net loans and leases to deposits | 91.1725% | 1,388 |
| Net loans and leases to core deposits | 108.7653% | 840 |
| Total domestic deposits to total assets | 77.3225% | 5,550 |
| Equity capital to assets | 9.8223% | 4,321 |
| Core capital (leverage) ratio | 8.9994% | 5,007 |
| Tier 1 risk-based capital ratio | 10.3162% | 6,172 |
| Total risk-based capital ratio | 10.9313% | 6,296 |
| Memoranda: | ||
| Average total assets | $2,488,398,600 | 305 |
| Average earning assets | $2,205,247,200 | 311 |
| Average equity | $254,403,000 | 328 |
| Average total loans | $1,877,399,000 | 280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,950 |
| Cost of funding earning assets | 0.2920% | 4,968 |
| Net interest margin | 3.3758% | 4,331 |
| Noninterest income to average assets | 2.3389% | 266 |
| Noninterest expense to average assets | 2.6746% | 3,922 |
| Loan and lease loss provision to assets | 0.1375% | 1,817 |
| Net operating income to assets | 1.5343% | 874 |
| Return on assets (ROA) | 1.5286% | 921 |
| Pretax return on assets | 2.5042% | 207 |
| Return on Equity (ROE) | 14.7913% | 866 |
| Retained earnings to average equity (ytd only) | 14.7913% | 217 |
| Net charge-offs to loans | 0.1616% | 2,186 |
| Credit loss provision to net charge-offs | 111.4958% | 2,022 |
| Earnings coverage of net charge-offs (x) | 21.5007% | 1,673 |
| Efficiency ratio | 50.1171% | 6,096 |
| Assets per employee ($millions) | 6.3457% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 6,112 |
| Loan loss allowance to noncurrent loans | 153.1896% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,484 |
| Noncurrent loans to loans | 0.4546% | 4,537 |
| Net loans and leases to total assets | 76.7833% | 1,127 |
| Net loans and leases to deposits | 91.7199% | 1,255 |
| Net loans and leases to core deposits | 111.9591% | 663 |
| Total domestic deposits to total assets | 81.9960% | 4,479 |
| Equity capital to assets | 10.4506% | 3,626 |
| Core capital (leverage) ratio | 8.9293% | 5,158 |
| Tier 1 risk-based capital ratio | 10.6379% | 6,162 |
| Total risk-based capital ratio | 11.7435% | 6,156 |
| Memoranda: | ||
| Average total assets | $2,436,660,500 | 307 |
| Average earning assets | $2,155,553,000 | 315 |
| Average equity | $251,817,500 | 328 |
| Average total loans | $1,858,627,250 | 277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 5,157 |
| Cost of funding earning assets | 0.2918% | 5,054 |
| Net interest margin | 3.3062% | 4,559 |
| Noninterest income to average assets | 2.3303% | 271 |
| Noninterest expense to average assets | 2.6942% | 3,889 |
| Loan and lease loss provision to assets | 0.0984% | 2,387 |
| Net operating income to assets | 1.4915% | 888 |
| Return on assets (ROA) | 1.4827% | 934 |
| Pretax return on assets | 2.4388% | 234 |
| Return on Equity (ROE) | 14.4027% | 889 |
| Retained earnings to average equity (ytd only) | 14.4027% | 242 |
| Net charge-offs to loans | 0.2032% | 1,809 |
| Credit loss provision to net charge-offs | 63.7829% | 2,584 |
| Earnings coverage of net charge-offs (x) | 16.5411% | 1,785 |
| Efficiency ratio | 51.2490% | 6,110 |
| Assets per employee ($millions) | 6.5142% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 6,227 |
| Loan loss allowance to noncurrent loans | 142.7894% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 4,579 |
| Noncurrent loans to loans | 0.4635% | 4,609 |
| Net loans and leases to total assets | 74.9452% | 1,317 |
| Net loans and leases to deposits | 90.4753% | 1,324 |
| Net loans and leases to core deposits | 113.1989% | 563 |
| Total domestic deposits to total assets | 80.4017% | 5,154 |
| Equity capital to assets | 10.3111% | 3,674 |
| Core capital (leverage) ratio | 9.5856% | 4,198 |
| Tier 1 risk-based capital ratio | 10.3939% | 6,284 |
| Total risk-based capital ratio | 11.4446% | 6,295 |
| Memoranda: | ||
| Average total assets | $2,413,357,000 | 310 |
| Average earning assets | $2,127,734,000 | 312 |
| Average equity | $248,439,330 | 327 |
| Average total loans | $1,832,128,000 | 278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 5,165 |
| Cost of funding earning assets | 0.2997% | 5,070 |
| Net interest margin | 3.3014% | 4,532 |
| Noninterest income to average assets | 2.1693% | 296 |
| Noninterest expense to average assets | 2.8364% | 3,432 |
| Loan and lease loss provision to assets | -0.1098% | 6,506 |
| Net operating income to assets | 1.4389% | 918 |
| Return on assets (ROA) | 1.4393% | 952 |
| Pretax return on assets | 2.3595% | 279 |
| Return on Equity (ROE) | 13.9942% | 946 |
| Retained earnings to average equity (ytd only) | 13.9942% | 396 |
| Net charge-offs to loans | 0.1935% | 1,575 |
| Credit loss provision to net charge-offs | -74.5098% | 4,799 |
| Earnings coverage of net charge-offs (x) | 15.2595% | 1,559 |
| Efficiency ratio | 55.6544% | 5,867 |
| Assets per employee ($millions) | 6.3594% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 6,326 |
| Loan loss allowance to noncurrent loans | 138.5699% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,609 |
| Noncurrent loans to loans | 0.4772% | 4,731 |
| Net loans and leases to total assets | 75.5534% | 1,054 |
| Net loans and leases to deposits | 90.2320% | 1,120 |
| Net loans and leases to core deposits | 112.4178% | 509 |
| Total domestic deposits to total assets | 81.9300% | 4,961 |
| Equity capital to assets | 10.3709% | 3,368 |
| Core capital (leverage) ratio | 9.3714% | 4,479 |
| Tier 1 risk-based capital ratio | 10.7143% | 6,271 |
| Total risk-based capital ratio | 11.3046% | 6,435 |
| Memoranda: | ||
| Average total assets | $2,353,018,000 | 318 |
| Average earning assets | $2,078,362,000 | 324 |
| Average equity | $242,015,000 | 335 |
| Average total loans | $1,792,296,000 | 281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 5,129 |
| Cost of funding earning assets | 0.3200% | 5,425 |
| Net interest margin | 3.3834% | 4,347 |
| Noninterest income to average assets | 2.4387% | 291 |
| Noninterest expense to average assets | 2.6531% | 4,268 |
| Loan and lease loss provision to assets | 0.1382% | 2,578 |
| Net operating income to assets | 1.6126% | 672 |
| Return on assets (ROA) | 1.6013% | 709 |
| Pretax return on assets | 2.6272% | 177 |
| Return on Equity (ROE) | 15.2226% | 721 |
| Retained earnings to average equity (ytd only) | 4.2171% | 3,175 |
| Net charge-offs to loans | 0.3520% | 1,921 |
| Credit loss provision to net charge-offs | 52.3392% | 3,761 |
| Earnings coverage of net charge-offs (x) | 10.5432% | 2,351 |
| Efficiency ratio | 48.6792% | 6,462 |
| Assets per employee ($millions) | 6.4998% | 985 |
| Cash dividends to net income (ytd only)* | 72.2969% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 6,292 |
| Loan loss allowance to noncurrent loans | 127.1834% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 4,347 |
| Noncurrent loans to loans | 0.5821% | 4,526 |
| Net loans and leases to total assets | 75.7185% | 1,118 |
| Net loans and leases to deposits | 93.2518% | 937 |
| Net loans and leases to core deposits | 108.0515% | 694 |
| Total domestic deposits to total assets | 81.1978% | 5,122 |
| Equity capital to assets | 10.2002% | 3,504 |
| Core capital (leverage) ratio | 9.5658% | 4,159 |
| Tier 1 risk-based capital ratio | 10.9946% | 6,173 |
| Total risk-based capital ratio | 11.6578% | 6,349 |
| Memoranda: | ||
| Average total assets | $2,332,197,000 | 311 |
| Average earning assets | $2,066,080,000 | 316 |
| Average equity | $245,332,800 | 326 |
| Average total loans | $1,749,061,000 | 275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 5,046 |
| Cost of funding earning assets | 0.3239% | 5,515 |
| Net interest margin | 3.4220% | 4,198 |
| Noninterest income to average assets | 2.4832% | 297 |
| Noninterest expense to average assets | 2.7124% | 3,975 |
| Loan and lease loss provision to assets | 0.1062% | 2,985 |
| Net operating income to assets | 1.6361% | 707 |
| Return on assets (ROA) | 1.6451% | 728 |
| Pretax return on assets | 2.7042% | 182 |
| Return on Equity (ROE) | 15.5193% | 711 |
| Retained earnings to average equity (ytd only) | 3.6197% | 4,116 |
| Net charge-offs to loans | 0.3233% | 1,924 |
| Credit loss provision to net charge-offs | 44.0038% | 3,631 |
| Earnings coverage of net charge-offs (x) | 11.5818% | 2,224 |
| Efficiency ratio | 49.1096% | 6,448 |
| Assets per employee ($millions) | 6.4559% | 950 |
| Cash dividends to net income (ytd only)* | 76.6764% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 6,280 |
| Loan loss allowance to noncurrent loans | 191.8258% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 4,909 |
| Noncurrent loans to loans | 0.4184% | 5,149 |
| Net loans and leases to total assets | 73.8434% | 1,310 |
| Net loans and leases to deposits | 88.1101% | 1,352 |
| Net loans and leases to core deposits | 104.3287% | 863 |
| Total domestic deposits to total assets | 83.8081% | 4,278 |
| Equity capital to assets | 10.4226% | 3,370 |
| Core capital (leverage) ratio | 9.5642% | 4,307 |
| Tier 1 risk-based capital ratio | 10.9199% | 6,313 |
| Total risk-based capital ratio | 11.6278% | 6,454 |
| Memoranda: | ||
| Average total assets | $2,325,392,000 | 315 |
| Average earning assets | $2,055,949,750 | 315 |
| Average equity | $246,499,750 | 322 |
| Average total loans | $1,736,366,500 | 279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 5,022 |
| Cost of funding earning assets | 0.3345% | 5,529 |
| Net interest margin | 3.4051% | 4,172 |
| Noninterest income to average assets | 2.5175% | 318 |
| Noninterest expense to average assets | 2.7264% | 3,939 |
| Loan and lease loss provision to assets | 0.0663% | 3,705 |
| Net operating income to assets | 1.6559% | 677 |
| Return on assets (ROA) | 1.6637% | 732 |
| Pretax return on assets | 2.7531% | 194 |
| Return on Equity (ROE) | 15.6074% | 716 |
| Retained earnings to average equity (ytd only) | 7.5257% | 1,660 |
| Net charge-offs to loans | 0.3867% | 1,671 |
| Credit loss provision to net charge-offs | 22.9508% | 3,690 |
| Earnings coverage of net charge-offs (x) | 9.7121% | 2,247 |
| Efficiency ratio | 49.1383% | 6,474 |
| Assets per employee ($millions) | 6.2809% | 1,026 |
| Cash dividends to net income (ytd only)* | 51.7813% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 6,322 |
| Loan loss allowance to noncurrent loans | 118.6847% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 4,221 |
| Noncurrent loans to loans | 0.6903% | 4,556 |
| Net loans and leases to total assets | 72.8170% | 1,436 |
| Net loans and leases to deposits | 87.6437% | 1,385 |
| Net loans and leases to core deposits | 103.2157% | 876 |
| Total domestic deposits to total assets | 83.0829% | 4,671 |
| Equity capital to assets | 10.6014% | 3,173 |
| Core capital (leverage) ratio | 9.8579% | 3,704 |
| Tier 1 risk-based capital ratio | 11.4981% | 6,112 |
| Total risk-based capital ratio | 12.2490% | 6,310 |
| Memoranda: | ||
| Average total assets | $2,321,512,330 | 317 |
| Average earning assets | $2,056,244,000 | 315 |
| Average equity | $247,473,000 | 319 |
| Average total loans | $1,735,253,000 | 280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 5,057 |
| Cost of funding earning assets | 0.3380% | 5,653 |
| Net interest margin | 3.3917% | 4,146 |
| Noninterest income to average assets | 2.4382% | 330 |
| Noninterest expense to average assets | 2.7020% | 4,051 |
| Loan and lease loss provision to assets | 0.0773% | 3,343 |
| Net operating income to assets | 1.6008% | 709 |
| Return on assets (ROA) | 1.6165% | 742 |
| Pretax return on assets | 2.6877% | 210 |
| Return on Equity (ROE) | 15.1235% | 739 |
| Retained earnings to average equity (ytd only) | 15.1235% | 341 |
| Net charge-offs to loans | 0.5427% | 1,116 |
| Credit loss provision to net charge-offs | 18.8884% | 3,053 |
| Earnings coverage of net charge-offs (x) | 6.6970% | 2,182 |
| Efficiency ratio | 49.5146% | 6,532 |
| Assets per employee ($millions) | 5.9576% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 6,343 |
| Loan loss allowance to noncurrent loans | 147.7384% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 4,655 |
| Noncurrent loans to loans | 0.5837% | 4,983 |
| Net loans and leases to total assets | 73.3189% | 1,166 |
| Net loans and leases to deposits | 89.1873% | 1,029 |
| Net loans and leases to core deposits | 102.9805% | 774 |
| Total domestic deposits to total assets | 82.2077% | 5,123 |
| Equity capital to assets | 11.1503% | 2,795 |
| Core capital (leverage) ratio | 9.4351% | 4,191 |
| Tier 1 risk-based capital ratio | 11.6892% | 6,091 |
| Total risk-based capital ratio | 12.4653% | 6,287 |
| Memoranda: | ||
| Average total assets | $2,339,143,000 | 318 |
| Average earning assets | $2,071,993,500 | 317 |
| Average equity | $250,022,000 | 320 |
| Average total loans | $1,763,614,000 | 280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6077% | 6,216 |
| Cost of funding earning assets | 0.5986% | 4,365 |
| Net interest margin | 3.0091% | 6,033 |
| Noninterest income to average assets | 2.0335% | 424 |
| Noninterest expense to average assets | 2.3996% | 5,408 |
| Loan and lease loss provision to assets | 0.3034% | 2,251 |
| Net operating income to assets | 1.2954% | 1,317 |
| Return on assets (ROA) | 1.3176% | 1,392 |
| Pretax return on assets | 2.1046% | 487 |
| Return on Equity (ROE) | 14.4465% | 912 |
| Retained earnings to average equity (ytd only) | 9.7022% | 657 |
| Net charge-offs to loans | 0.5451% | 2,098 |
| Credit loss provision to net charge-offs | 82.8393% | 3,731 |
| Earnings coverage of net charge-offs (x) | 6.4795% | 2,807 |
| Efficiency ratio | 50.1211% | 6,585 |
| Assets per employee ($millions) | 6.3205% | 1,089 |
| Cash dividends to net income (ytd only)* | 32.8407% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,296 |
| Loan loss allowance to noncurrent loans | 143.1378% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 4,572 |
| Noncurrent loans to loans | 0.6182% | 4,970 |
| Net loans and leases to total assets | 76.0661% | 905 |
| Net loans and leases to deposits | 91.4267% | 955 |
| Net loans and leases to core deposits | 108.0825% | 608 |
| Total domestic deposits to total assets | 83.1989% | 4,638 |
| Equity capital to assets | 10.2557% | 3,818 |
| Core capital (leverage) ratio | 8.7666% | 5,234 |
| Tier 1 risk-based capital ratio | 10.2199% | 6,642 |
| Total risk-based capital ratio | 11.0257% | 6,728 |
| Memoranda: | ||
| Average total assets | $2,542,142,600 | 284 |
| Average earning assets | $2,314,379,000 | 282 |
| Average equity | $231,854,800 | 330 |
| Average total loans | $1,708,364,200 | 278 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 6,433 |
| Cost of funding earning assets | 0.6739% | 3,986 |
| Net interest margin | 2.8926% | 6,372 |
| Noninterest income to average assets | 1.9433% | 438 |
| Noninterest expense to average assets | 2.3861% | 5,439 |
| Loan and lease loss provision to assets | 0.2121% | 2,945 |
| Net operating income to assets | 1.2220% | 1,663 |
| Return on assets (ROA) | 1.2510% | 1,737 |
| Pretax return on assets | 2.0380% | 650 |
| Return on Equity (ROE) | 14.1289% | 1,081 |
| Retained earnings to average equity (ytd only) | 14.1289% | 291 |
| Net charge-offs to loans | 0.5304% | 2,019 |
| Credit loss provision to net charge-offs | 61.5604% | 4,116 |
| Earnings coverage of net charge-offs (x) | 6.3990% | 2,798 |
| Efficiency ratio | 51.8131% | 6,465 |
| Assets per employee ($millions) | 5.9635% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,404 |
| Loan loss allowance to noncurrent loans | 105.9126% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 4,567 |
| Noncurrent loans to loans | 0.8419% | 4,735 |
| Net loans and leases to total assets | 71.9437% | 1,563 |
| Net loans and leases to deposits | 87.1095% | 1,466 |
| Net loans and leases to core deposits | 111.7218% | 510 |
| Total domestic deposits to total assets | 82.5900% | 4,794 |
| Equity capital to assets | 10.3738% | 3,981 |
| Core capital (leverage) ratio | 8.1338% | 6,203 |
| Tier 1 risk-based capital ratio | 10.8168% | 6,560 |
| Total risk-based capital ratio | 11.7892% | 6,637 |
| Memoranda: | ||
| Average total assets | $2,574,075,000 | 280 |
| Average earning assets | $2,356,030,500 | 275 |
| Average equity | $227,914,750 | 334 |
| Average total loans | $1,672,219,250 | 281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 6,690 |
| Cost of funding earning assets | 0.7410% | 3,678 |
| Net interest margin | 2.6966% | 6,711 |
| Noninterest income to average assets | 1.8684% | 440 |
| Noninterest expense to average assets | 2.2773% | 5,804 |
| Loan and lease loss provision to assets | 0.1735% | 3,372 |
| Net operating income to assets | 1.1662% | 1,827 |
| Return on assets (ROA) | 1.2080% | 1,880 |
| Pretax return on assets | 1.9702% | 728 |
| Return on Equity (ROE) | 14.3874% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.3874% | 318 |
| Net charge-offs to loans | 0.5474% | 1,947 |
| Credit loss provision to net charge-offs | 50.5638% | 4,028 |
| Earnings coverage of net charge-offs (x) | 6.0588% | 2,708 |
| Efficiency ratio | 52.1121% | 6,493 |
| Assets per employee ($millions) | 6.8690% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,237 |
| Loan loss allowance to noncurrent loans | 90.4044% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 4,651 |
| Noncurrent loans to loans | 1.0808% | 4,358 |
| Net loans and leases to total assets | 58.4279% | 4,098 |
| Net loans and leases to deposits | 89.0542% | 1,247 |
| Net loans and leases to core deposits | 114.5000% | 431 |
| Total domestic deposits to total assets | 65.6094% | 7,055 |
| Equity capital to assets | 8.5136% | 6,198 |
| Core capital (leverage) ratio | 7.6345% | 6,547 |
| Tier 1 risk-based capital ratio | 10.2722% | 6,760 |
| Total risk-based capital ratio | 11.2542% | 6,806 |
| Memoranda: | ||
| Average total assets | $2,636,968,330 | 277 |
| Average earning assets | $2,432,354,330 | 269 |
| Average equity | $221,401,330 | 337 |
| Average total loans | $1,652,431,330 | 281 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 6,484 |
| Cost of funding earning assets | 0.8653% | 2,955 |
| Net interest margin | 2.8065% | 6,632 |
| Noninterest income to average assets | 1.9871% | 416 |
| Noninterest expense to average assets | 2.4017% | 5,463 |
| Loan and lease loss provision to assets | 0.0488% | 4,796 |
| Net operating income to assets | 1.2909% | 1,478 |
| Return on assets (ROA) | 1.3708% | 1,428 |
| Pretax return on assets | 2.2592% | 484 |
| Return on Equity (ROE) | 16.4486% | 748 |
| Retained earnings to average equity (ytd only) | 16.4486% | 341 |
| Net charge-offs to loans | 0.3756% | 2,178 |
| Credit loss provision to net charge-offs | 20.1274% | 3,773 |
| Earnings coverage of net charge-offs (x) | 8.9987% | 1,894 |
| Efficiency ratio | 52.2177% | 6,523 |
| Assets per employee ($millions) | 7.2394% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,993 |
| Loan loss allowance to noncurrent loans | 81.3210% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 4,607 |
| Noncurrent loans to loans | 1.3210% | 4,133 |
| Net loans and leases to total assets | 59.6629% | 3,738 |
| Net loans and leases to deposits | 88.2171% | 1,140 |
| Net loans and leases to core deposits | 112.4020% | 461 |
| Total domestic deposits to total assets | 67.6319% | 7,061 |
| Equity capital to assets | 8.5082% | 6,076 |
| Core capital (leverage) ratio | 8.2910% | 5,887 |
| Tier 1 risk-based capital ratio | 11.3170% | 6,376 |
| Total risk-based capital ratio | 12.2379% | 6,532 |
| Memoranda: | ||
| Average total assets | $2,588,512,500 | 278 |
| Average earning assets | $2,395,995,500 | 269 |
| Average equity | $215,726,500 | 339 |
| Average total loans | $1,672,091,500 | 275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 3,665 |
| Cost of funding earning assets | 1.1133% | 2,586 |
| Net interest margin | 3.7169% | 4,219 |
| Noninterest income to average assets | 1.0131% | 1,331 |
| Noninterest expense to average assets | 2.1716% | 6,327 |
| Loan and lease loss provision to assets | 0.3585% | 2,857 |
| Net operating income to assets | 1.1776% | 1,577 |
| Return on assets (ROA) | 1.1814% | 1,682 |
| Pretax return on assets | 1.9465% | 599 |
| Return on Equity (ROE) | 14.9340% | 751 |
| Retained earnings to average equity (ytd only) | 14.9340% | 137 |
| Net charge-offs to loans | 0.5921% | 2,677 |
| Credit loss provision to net charge-offs | 78.5433% | 4,521 |
| Earnings coverage of net charge-offs (x) | 5.0373% | 2,911 |
| Efficiency ratio | 48.3889% | 6,927 |
| Assets per employee ($millions) | 6.9135% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,181 |
| Loan loss allowance to noncurrent loans | 86.6747% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 4,512 |
| Noncurrent loans to loans | 1.1630% | 4,424 |
| Net loans and leases to total assets | 68.1749% | 2,361 |
| Net loans and leases to deposits | 111.7565% | 147 |
| Net loans and leases to core deposits | 141.8272% | 164 |
| Total domestic deposits to total assets | 61.0031% | 7,217 |
| Equity capital to assets | 8.1604% | 6,476 |
| Core capital (leverage) ratio | 7.9201% | 6,339 |
| Tier 1 risk-based capital ratio | 9.9393% | 6,868 |
| Total risk-based capital ratio | 10.9836% | 6,906 |
| Memoranda: | ||
| Average total assets | $2,499,770,200 | 281 |
| Average earning assets | $2,325,339,200 | 272 |
| Average equity | $197,749,800 | 355 |
| Average total loans | $1,926,737,000 | 242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 3,308 |
| Cost of funding earning assets | 1.1400% | 2,699 |
| Net interest margin | 3.8147% | 3,801 |
| Noninterest income to average assets | 0.9793% | 1,396 |
| Noninterest expense to average assets | 2.1565% | 6,379 |
| Loan and lease loss provision to assets | 0.2148% | 3,872 |
| Net operating income to assets | 1.3110% | 1,348 |
| Return on assets (ROA) | 1.3159% | 1,426 |
| Pretax return on assets | 2.1728% | 451 |
| Return on Equity (ROE) | 16.7725% | 596 |
| Retained earnings to average equity (ytd only) | 16.7725% | 153 |
| Net charge-offs to loans | 0.4259% | 3,012 |
| Credit loss provision to net charge-offs | 63.6567% | 4,684 |
| Earnings coverage of net charge-offs (x) | 7.0533% | 2,430 |
| Efficiency ratio | 47.3465% | 6,995 |
| Assets per employee ($millions) | 6.8210% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,521 |
| Loan loss allowance to noncurrent loans | 82.8870% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 4,335 |
| Noncurrent loans to loans | 1.1160% | 4,686 |
| Net loans and leases to total assets | 76.4832% | 912 |
| Net loans and leases to deposits | 127.2951% | 59 |
| Net loans and leases to core deposits | 169.2231% | 91 |
| Total domestic deposits to total assets | 60.0834% | 7,298 |
| Equity capital to assets | 8.1368% | 6,614 |
| Core capital (leverage) ratio | 8.1147% | 6,262 |
| Tier 1 risk-based capital ratio | 9.0209% | 7,111 |
| Total risk-based capital ratio | 11.0916% | 6,984 |
| Memoranda: | ||
| Average total assets | $2,476,576,500 | 281 |
| Average earning assets | $2,309,493,250 | 273 |
| Average equity | $194,297,000 | 365 |
| Average total loans | $1,962,055,500 | 239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 3,017 |
| Cost of funding earning assets | 1.1582% | 2,852 |
| Net interest margin | 3.8710% | 3,435 |
| Noninterest income to average assets | 1.0183% | 1,278 |
| Noninterest expense to average assets | 2.1858% | 6,418 |
| Loan and lease loss provision to assets | 0.2387% | 3,529 |
| Net operating income to assets | 1.3424% | 1,208 |
| Return on assets (ROA) | 1.3490% | 1,268 |
| Pretax return on assets | 2.2307% | 389 |
| Return on Equity (ROE) | 17.4190% | 513 |
| Retained earnings to average equity (ytd only) | 17.4190% | 150 |
| Net charge-offs to loans | 0.3850% | 3,020 |
| Credit loss provision to net charge-offs | 77.5689% | 3,844 |
| Earnings coverage of net charge-offs (x) | 7.9907% | 2,139 |
| Efficiency ratio | 46.8689% | 7,119 |
| Assets per employee ($millions) | 6.8123% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,280 |
| Loan loss allowance to noncurrent loans | 73.0407% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 4,188 |
| Noncurrent loans to loans | 1.3863% | 4,327 |
| Net loans and leases to total assets | 75.4045% | 1,172 |
| Net loans and leases to deposits | 122.4581% | 79 |
| Net loans and leases to core deposits | 162.9320% | 116 |
| Total domestic deposits to total assets | 61.5757% | 7,355 |
| Equity capital to assets | 7.8280% | 6,788 |
| Core capital (leverage) ratio | 7.7766% | 6,530 |
| Tier 1 risk-based capital ratio | 8.9351% | 7,182 |
| Total risk-based capital ratio | 11.1394% | 7,012 |
| Memoranda: | ||
| Average total assets | $2,454,029,670 | 286 |
| Average earning assets | $2,299,066,330 | 272 |
| Average equity | $190,056,670 | 378 |
| Average total loans | $1,961,385,330 | 240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 2,220 |
| Cost of funding earning assets | 1.1968% | 2,840 |
| Net interest margin | 4.0026% | 2,673 |
| Noninterest income to average assets | 1.0164% | 1,277 |
| Noninterest expense to average assets | 2.1542% | 6,521 |
| Loan and lease loss provision to assets | 0.4188% | 2,096 |
| Net operating income to assets | 1.3338% | 1,193 |
| Return on assets (ROA) | 1.3338% | 1,240 |
| Pretax return on assets | 2.2038% | 402 |
| Return on Equity (ROE) | 17.3204% | 535 |
| Retained earnings to average equity (ytd only) | 17.3204% | 261 |
| Net charge-offs to loans | 0.7580% | 1,707 |
| Credit loss provision to net charge-offs | 67.4686% | 3,395 |
| Earnings coverage of net charge-offs (x) | 4.2248% | 2,540 |
| Efficiency ratio | 44.9092% | 7,246 |
| Assets per employee ($millions) | 6.4874% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,494 |
| Loan loss allowance to noncurrent loans | 86.5002% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 4,634 |
| Noncurrent loans to loans | 1.1194% | 4,835 |
| Net loans and leases to total assets | 81.4942% | 390 |
| Net loans and leases to deposits | 139.0331% | 41 |
| Net loans and leases to core deposits | 175.5187% | 99 |
| Total domestic deposits to total assets | 58.6150% | 7,443 |
| Equity capital to assets | 7.8653% | 6,623 |
| Core capital (leverage) ratio | 7.3678% | 6,816 |
| Tier 1 risk-based capital ratio | 8.3041% | 7,272 |
| Total risk-based capital ratio | 11.1227% | 7,050 |
| Memoranda: | ||
| Average total assets | $2,410,548,000 | 295 |
| Average earning assets | $2,264,733,500 | 282 |
| Average equity | $185,630,500 | 384 |
| Average total loans | $1,974,267,500 | 240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6172% | 1,828 |
| Cost of funding earning assets | 1.5621% | 2,290 |
| Net interest margin | 4.0551% | 2,777 |
| Noninterest income to average assets | 1.6250% | 557 |
| Noninterest expense to average assets | 2.2845% | 6,402 |
| Loan and lease loss provision to assets | 1.4120% | 1,063 |
| Net operating income to assets | 1.0699% | 1,802 |
| Return on assets (ROA) | 1.1058% | 1,761 |
| Pretax return on assets | 1.7610% | 825 |
| Return on Equity (ROE) | 15.1189% | 698 |
| Retained earnings to average equity (ytd only) | 10.3690% | 454 |
| Net charge-offs to loans | 1.5051% | 1,463 |
| Credit loss provision to net charge-offs | 119.4358% | 3,547 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 3,780 |
| Efficiency ratio | 42.1472% | 7,460 |
| Assets per employee ($millions) | 6.5075% | 946 |
| Cash dividends to net income (ytd only)* | 31.4169% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,186 |
| Loan loss allowance to noncurrent loans | 101.2930% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 4,963 |
| Noncurrent loans to loans | 1.0285% | 5,011 |
| Net loans and leases to total assets | 80.6613% | 579 |
| Net loans and leases to deposits | 136.0892% | 52 |
| Net loans and leases to core deposits | 175.5905% | 119 |
| Total domestic deposits to total assets | 59.2709% | 7,515 |
| Equity capital to assets | 7.5359% | 6,863 |
| Core capital (leverage) ratio | 6.6149% | 7,169 |
| Tier 1 risk-based capital ratio | 7.9448% | 7,354 |
| Total risk-based capital ratio | 11.2665% | 6,963 |
| Memoranda: | ||
| Average total assets | $2,302,699,400 | 308 |
| Average earning assets | $2,144,424,800 | 298 |
| Average equity | $168,424,800 | 411 |
| Average total loans | $1,808,699,600 | 263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7802% | 1,453 |
| Cost of funding earning assets | 1.6168% | 2,295 |
| Net interest margin | 4.1634% | 2,355 |
| Noninterest income to average assets | 1.6852% | 495 |
| Noninterest expense to average assets | 2.2288% | 6,529 |
| Loan and lease loss provision to assets | 1.6979% | 754 |
| Net operating income to assets | 1.0007% | 2,236 |
| Return on assets (ROA) | 1.0491% | 2,178 |
| Pretax return on assets | 1.7019% | 1,115 |
| Return on Equity (ROE) | 14.4592% | 944 |
| Retained earnings to average equity (ytd only) | 8.0013% | 1,418 |
| Net charge-offs to loans | 1.9368% | 981 |
| Credit loss provision to net charge-offs | 112.7358% | 3,735 |
| Earnings coverage of net charge-offs (x) | 2.2072% | 4,073 |
| Efficiency ratio | 39.9985% | 7,583 |
| Assets per employee ($millions) | 6.8017% | 832 |
| Cash dividends to net income (ytd only)* | 44.6628% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,417 |
| Loan loss allowance to noncurrent loans | 297.1622% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 6,285 |
| Noncurrent loans to loans | 0.3346% | 6,523 |
| Net loans and leases to total assets | 73.9138% | 1,825 |
| Net loans and leases to deposits | 123.4912% | 96 |
| Net loans and leases to core deposits | 175.0375% | 112 |
| Total domestic deposits to total assets | 59.8535% | 7,595 |
| Equity capital to assets | 7.0636% | 7,322 |
| Core capital (leverage) ratio | 6.4899% | 7,340 |
| Tier 1 risk-based capital ratio | 7.9653% | 7,481 |
| Total risk-based capital ratio | 11.3626% | 6,987 |
| Memoranda: | ||
| Average total assets | $2,276,426,250 | 308 |
| Average earning assets | $2,114,860,000 | 298 |
| Average equity | $165,169,000 | 411 |
| Average total loans | $1,770,223,750 | 271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9743% | 1,006 |
| Cost of funding earning assets | 1.6827% | 2,206 |
| Net interest margin | 4.2916% | 1,809 |
| Noninterest income to average assets | 1.9606% | 360 |
| Noninterest expense to average assets | 2.1697% | 6,721 |
| Loan and lease loss provision to assets | 2.2041% | 543 |
| Net operating income to assets | 0.9598% | 2,332 |
| Return on assets (ROA) | 0.9600% | 2,418 |
| Pretax return on assets | 1.5586% | 1,405 |
| Return on Equity (ROE) | 13.1012% | 1,212 |
| Retained earnings to average equity (ytd only) | 3.2107% | 4,063 |
| Net charge-offs to loans | 2.7414% | 604 |
| Credit loss provision to net charge-offs | 101.8674% | 4,004 |
| Earnings coverage of net charge-offs (x) | 1.7389% | 4,213 |
| Efficiency ratio | 36.4512% | 7,694 |
| Assets per employee ($millions) | 6.6014% | 917 |
| Cash dividends to net income (ytd only)* | 75.4931% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 7,045 |
| Loan loss allowance to noncurrent loans | 61.2774% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 4,563 |
| Noncurrent loans to loans | 1.3008% | 4,779 |
| Net loans and leases to total assets | 80.3574% | 747 |
| Net loans and leases to deposits | 130.0545% | 73 |
| Net loans and leases to core deposits | 177.6032% | 120 |
| Total domestic deposits to total assets | 61.7875% | 7,633 |
| Equity capital to assets | 6.9246% | 7,373 |
| Core capital (leverage) ratio | 6.2307% | 7,444 |
| Tier 1 risk-based capital ratio | 8.7693% | 7,452 |
| Total risk-based capital ratio | 10.1721% | 7,442 |
| Memoranda: | ||
| Average total assets | $2,207,697,670 | 315 |
| Average earning assets | $2,043,058,670 | 304 |
| Average equity | $161,771,670 | 422 |
| Average total loans | $1,742,491,000 | 274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3734% | 463 |
| Cost of funding earning assets | 1.7689% | 2,017 |
| Net interest margin | 4.6045% | 943 |
| Noninterest income to average assets | 3.1717% | 202 |
| Noninterest expense to average assets | 2.3477% | 6,257 |
| Loan and lease loss provision to assets | 0.9981% | 1,250 |
| Net operating income to assets | 2.5002% | 148 |
| Return on assets (ROA) | 2.5006% | 162 |
| Pretax return on assets | 4.0631% | 74 |
| Return on Equity (ROE) | 33.0808% | 63 |
| Retained earnings to average equity (ytd only) | 12.9556% | 624 |
| Net charge-offs to loans | 0.7630% | 1,982 |
| Credit loss provision to net charge-offs | 168.2911% | 2,162 |
| Earnings coverage of net charge-offs (x) | 8.5325% | 1,950 |
| Efficiency ratio | 31.5845% | 7,838 |
| Assets per employee ($millions) | 6.7914% | 870 |
| Cash dividends to net income (ytd only)* | 60.8365% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 6,831 |
| Loan loss allowance to noncurrent loans | 71.2578% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 4,871 |
| Noncurrent loans to loans | 1.2663% | 4,868 |
| Net loans and leases to total assets | 79.4053% | 924 |
| Net loans and leases to deposits | 131.1971% | 75 |
| Net loans and leases to core deposits | 177.3795% | 137 |
| Total domestic deposits to total assets | 60.5236% | 7,753 |
| Equity capital to assets | 6.7295% | 7,473 |
| Core capital (leverage) ratio | 6.1088% | 7,562 |
| Tier 1 risk-based capital ratio | 8.8925% | 7,498 |
| Total risk-based capital ratio | 11.8715% | 6,510 |
| Memoranda: | ||
| Average total assets | $2,103,492,000 | 339 |
| Average earning assets | $1,935,492,500 | 328 |
| Average equity | $159,004,500 | 432 |
| Average total loans | $1,635,175,000 | 301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 6,698 |
| Cost of funding earning assets | 1.7514% | 4,240 |
| Net interest margin | 3.1551% | 6,218 |
| Noninterest income to average assets | 11.7585% | 60 |
| Noninterest expense to average assets | 2.7956% | 4,993 |
| Loan and lease loss provision to assets | 1.0951% | 2,084 |
| Net operating income to assets | 6.5593% | 24 |
| Return on assets (ROA) | 6.5453% | 24 |
| Pretax return on assets | 10.6419% | 19 |
| Return on Equity (ROE) | 71.3876% | 6 |
| Retained earnings to average equity (ytd only) | 9.6291% | 414 |
| Net charge-offs to loans | 1.2298% | 2,009 |
| Credit loss provision to net charge-offs | 119.1118% | 4,512 |
| Earnings coverage of net charge-offs (x) | 12.7900% | 1,474 |
| Efficiency ratio | 19.1799% | 7,980 |
| Assets per employee ($millions) | 5.1457% | 2,026 |
| Cash dividends to net income (ytd only)* | 86.5115% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,508 |
| Loan loss allowance to noncurrent loans | 120.6906% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 5,490 |
| Noncurrent loans to loans | 0.8080% | 5,667 |
| Net loans and leases to total assets | 73.8606% | 2,302 |
| Net loans and leases to deposits | 95.5992% | 1,375 |
| Net loans and leases to core deposits | 118.0316% | 2,126 |
| Total domestic deposits to total assets | 77.2607% | 6,393 |
| Equity capital to assets | 8.6509% | 5,660 |
| Core capital (leverage) ratio | 7.6364% | 6,637 |
| Tier 1 risk-based capital ratio | 8.0280% | 7,651 |
| Total risk-based capital ratio | 10.5642% | 7,311 |
| Memoranda: | ||
| Average total assets | $1,677,734,200 | 414 |
| Average earning assets | $1,486,834,000 | 420 |
| Average equity | $153,825,000 | 442 |
| Average total loans | $1,254,255,400 | 390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 7,283 |
| Cost of funding earning assets | 1.8183% | 4,299 |
| Net interest margin | 2.8835% | 6,888 |
| Noninterest income to average assets | 11.5791% | 62 |
| Noninterest expense to average assets | 2.7655% | 5,035 |
| Loan and lease loss provision to assets | 1.0524% | 1,832 |
| Net operating income to assets | 6.2116% | 26 |
| Return on assets (ROA) | 6.1924% | 26 |
| Pretax return on assets | 10.2814% | 24 |
| Return on Equity (ROE) | 66.5015% | 10 |
| Retained earnings to average equity (ytd only) | 27.2861% | 24 |
| Net charge-offs to loans | 1.2332% | 1,658 |
| Credit loss provision to net charge-offs | 114.0834% | 4,453 |
| Earnings coverage of net charge-offs (x) | 12.3187% | 1,771 |
| Efficiency ratio | 19.5728% | 8,058 |
| Assets per employee ($millions) | 5.3208% | 1,766 |
| Cash dividends to net income (ytd only)* | 58.9692% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,694 |
| Loan loss allowance to noncurrent loans | 88.9936% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 4,684 |
| Noncurrent loans to loans | 1.0274% | 5,255 |
| Net loans and leases to total assets | 72.6130% | 2,878 |
| Net loans and leases to deposits | 101.7140% | 949 |
| Net loans and leases to core deposits | 130.6059% | 1,400 |
| Total domestic deposits to total assets | 71.3894% | 7,291 |
| Equity capital to assets | 9.4178% | 4,865 |
| Core capital (leverage) ratio | 9.2015% | 4,336 |
| Tier 1 risk-based capital ratio | 8.5010% | 7,729 |
| Total risk-based capital ratio | 10.0675% | 7,705 |
| Memoranda: | ||
| Average total assets | $1,643,062,250 | 430 |
| Average earning assets | $1,453,080,500 | 443 |
| Average equity | $152,997,250 | 455 |
| Average total loans | $1,229,111,000 | 415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 7,499 |
| Cost of funding earning assets | 1.9259% | 4,130 |
| Net interest margin | 2.6949% | 7,211 |
| Noninterest income to average assets | 2.6287% | 250 |
| Noninterest expense to average assets | 2.7527% | 5,168 |
| Loan and lease loss provision to assets | 0.4456% | 3,310 |
| Net operating income to assets | 1.1192% | 1,707 |
| Return on assets (ROA) | 1.1276% | 1,756 |
| Pretax return on assets | 1.8243% | 812 |
| Return on Equity (ROE) | 12.1641% | 1,366 |
| Retained earnings to average equity (ytd only) | 12.1641% | 415 |
| Net charge-offs to loans | 0.6814% | 2,339 |
| Credit loss provision to net charge-offs | 86.7309% | 5,011 |
| Earnings coverage of net charge-offs (x) | 4.3921% | 3,107 |
| Efficiency ratio | 54.9510% | 7,231 |
| Assets per employee ($millions) | 4.8519% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 6,850 |
| Loan loss allowance to noncurrent loans | 33.9938% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.4467% | 2,636 |
| Noncurrent loans to loans | 2.5900% | 2,800 |
| Net loans and leases to total assets | 75.1428% | 2,403 |
| Net loans and leases to deposits | 94.2081% | 2,059 |
| Net loans and leases to core deposits | 117.6446% | 2,576 |
| Total domestic deposits to total assets | 79.7626% | 5,548 |
| Equity capital to assets | 9.6465% | 4,429 |
| Core capital (leverage) ratio | 8.9672% | 4,686 |
| Tier 1 risk-based capital ratio | 10.4082% | 6,470 |
| Total risk-based capital ratio | 11.3683% | 6,732 |
| Memoranda: | ||
| Average total assets | $1,575,313,330 | 461 |
| Average earning assets | $1,391,652,000 | 473 |
| Average equity | $146,036,000 | 478 |
| Average total loans | $1,187,804,330 | 440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 7,614 |
| Cost of funding earning assets | 2.0129% | 4,069 |
| Net interest margin | 2.5961% | 7,371 |
| Noninterest income to average assets | 2.3362% | 276 |
| Noninterest expense to average assets | 2.7013% | 5,000 |
| Loan and lease loss provision to assets | 0.0055% | 6,717 |
| Net operating income to assets | 1.1632% | 1,764 |
| Return on assets (ROA) | 1.1546% | 1,909 |
| Pretax return on assets | 1.8718% | 858 |
| Return on Equity (ROE) | 12.7074% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.7074% | 683 |
| Net charge-offs to loans | 0.5662% | 2,052 |
| Credit loss provision to net charge-offs | 1.3025% | 5,242 |
| Earnings coverage of net charge-offs (x) | 4.4405% | 2,883 |
| Efficiency ratio | 58.8251% | 6,571 |
| Assets per employee ($millions) | 5.0302% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 7,135 |
| Loan loss allowance to noncurrent loans | 39.4995% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 2,850 |
| Noncurrent loans to loans | 2.0405% | 3,212 |
| Net loans and leases to total assets | 74.8003% | 2,555 |
| Net loans and leases to deposits | 96.9719% | 1,804 |
| Net loans and leases to core deposits | 123.3252% | 2,132 |
| Total domestic deposits to total assets | 77.1360% | 6,243 |
| Equity capital to assets | 9.6143% | 4,503 |
| Core capital (leverage) ratio | 8.4738% | 5,590 |
| Tier 1 risk-based capital ratio | 10.0384% | 6,876 |
| Total risk-based capital ratio | 10.9113% | 7,209 |
| Memoranda: | ||
| Average total assets | $1,586,667,500 | 462 |
| Average earning assets | $1,378,706,500 | 480 |
| Average equity | $144,168,000 | 487 |
| Average total loans | $1,193,189,500 | 446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 4,687 |
| Cost of funding earning assets | 2.6926% | 3,190 |
| Net interest margin | 3.4737% | 5,387 |
| Noninterest income to average assets | 2.1430% | 310 |
| Noninterest expense to average assets | 2.4915% | 6,039 |
| Loan and lease loss provision to assets | 0.5237% | 2,718 |
| Net operating income to assets | 1.3483% | 1,349 |
| Return on assets (ROA) | 1.3350% | 1,339 |
| Pretax return on assets | 2.1765% | 420 |
| Return on Equity (ROE) | 14.7562% | 960 |
| Retained earnings to average equity (ytd only) | 1.5967% | 4,257 |
| Net charge-offs to loans | 0.3941% | 2,845 |
| Credit loss provision to net charge-offs | 175.6388% | 2,892 |
| Earnings coverage of net charge-offs (x) | 9.1259% | 2,750 |
| Efficiency ratio | 47.7983% | 7,821 |
| Assets per employee ($millions) | 5.5885% | 1,397 |
| Cash dividends to net income (ytd only)* | 89.1795% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,780 |
| Loan loss allowance to noncurrent loans | 41.4260% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 2.3849% | 2,038 |
| Noncurrent loans to loans | 2.1205% | 2,601 |
| Net loans and leases to total assets | 74.3519% | 3,021 |
| Net loans and leases to deposits | 94.3422% | 2,705 |
| Net loans and leases to core deposits | 118.1846% | 2,862 |
| Total domestic deposits to total assets | 78.8108% | 5,446 |
| Equity capital to assets | 8.6013% | 5,934 |
| Core capital (leverage) ratio | 8.3140% | 5,924 |
| Tier 1 risk-based capital ratio | 9.1693% | 7,645 |
| Total risk-based capital ratio | 10.1081% | 7,907 |
| Memoranda: | ||
| Average total assets | $1,574,960,000 | 445 |
| Average earning assets | $1,391,698,600 | 460 |
| Average equity | $142,482,000 | 490 |
| Average total loans | $1,191,703,600 | 435 |