Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 2,280 |
| Cost of funding earning assets | 0.9571% | 3,392 |
| Net interest margin | 3.9412% | 1,289 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.8321% | 1,422 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.0113% | 2,181 |
| Return on assets (ROA) | 1.3596% | 1,272 |
| Pretax return on assets | 1.7210% | 1,020 |
| Return on Equity (ROE) | 10.2200% | 2,431 |
| Retained earnings to average equity (ytd only) | 10.2192% | 958 |
| Net charge-offs to loans | 0.4300% | 236 |
| Credit loss provision to net charge-offs | 72.3412% | 2,073 |
| Earnings coverage of net charge-offs (x) | 4.7107% | 2,570 |
| Efficiency ratio | 64.9605% | 2,487 |
| Assets per employee ($millions) | 9.5365% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,204 |
| Loan loss allowance to noncurrent loans | 201.9187% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 1,229 |
| Noncurrent loans to loans | 0.6019% | 1,307 |
| Net loans and leases to total assets | 74.1900% | 1,329 |
| Net loans and leases to deposits | 95.6253% | 816 |
| Net loans and leases to core deposits | 102.5786% | 1,300 |
| Total domestic deposits to total assets | 77.5800% | 3,777 |
| Equity capital to assets | 13.2903% | 801 |
| Core capital (leverage) ratio | 13.5021% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5843% | 1,655 |
| Memoranda: | ||
| Average total assets | $7,276,401,800 | 208 |
| Average earning assets | $6,741,382,200 | 200 |
| Average equity | $968,061,600 | 170 |
| Average total loans | $5,398,534,400 | 198 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 2,230 |
| Cost of funding earning assets | 0.7672% | 3,612 |
| Net interest margin | 4.0479% | 1,152 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.6468% | 1,809 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.2005% | 1,799 |
| Return on assets (ROA) | 1.4531% | 1,196 |
| Pretax return on assets | 1.8336% | 956 |
| Return on Equity (ROE) | 10.9200% | 2,395 |
| Retained earnings to average equity (ytd only) | 10.9192% | 1,171 |
| Net charge-offs to loans | 0.0795% | 925 |
| Credit loss provision to net charge-offs | 428.6797% | 697 |
| Earnings coverage of net charge-offs (x) | 30.0622% | 1,595 |
| Efficiency ratio | 59.5712% | 3,016 |
| Assets per employee ($millions) | 9.3312% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 922 |
| Loan loss allowance to noncurrent loans | 171.8556% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 829 |
| Noncurrent loans to loans | 0.9204% | 893 |
| Net loans and leases to total assets | 73.7400% | 1,369 |
| Net loans and leases to deposits | 93.3036% | 945 |
| Net loans and leases to core deposits | 99.5068% | 1,344 |
| Total domestic deposits to total assets | 79.0300% | 3,692 |
| Equity capital to assets | 13.1060% | 789 |
| Core capital (leverage) ratio | 13.6002% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9699% | 1,577 |
| Memoranda: | ||
| Average total assets | $7,178,661,250 | 210 |
| Average earning assets | $6,645,188,750 | 204 |
| Average equity | $955,323,500 | 171 |
| Average total loans | $5,308,568,000 | 201 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 2,160 |
| Cost of funding earning assets | 0.5453% | 3,895 |
| Net interest margin | 4.1768% | 963 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.6516% | 1,785 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.3565% | 1,432 |
| Return on assets (ROA) | 1.9388% | 518 |
| Pretax return on assets | 2.4464% | 379 |
| Return on Equity (ROE) | 14.4900% | 1,578 |
| Retained earnings to average equity (ytd only) | 14.4918% | 622 |
| Net charge-offs to loans | 0.0882% | 738 |
| Credit loss provision to net charge-offs | 253.3218% | 951 |
| Earnings coverage of net charge-offs (x) | 28.9648% | 1,570 |
| Efficiency ratio | 58.1209% | 3,178 |
| Assets per employee ($millions) | 9.2120% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,145 |
| Loan loss allowance to noncurrent loans | 452.6797% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 1,969 |
| Noncurrent loans to loans | 0.3337% | 1,935 |
| Net loans and leases to total assets | 72.8900% | 1,422 |
| Net loans and leases to deposits | 91.7717% | 1,042 |
| Net loans and leases to core deposits | 96.6856% | 1,428 |
| Total domestic deposits to total assets | 79.4200% | 3,666 |
| Equity capital to assets | 13.4480% | 727 |
| Core capital (leverage) ratio | 13.8793% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0468% | 1,563 |
| Memoranda: | ||
| Average total assets | $7,092,565,000 | 206 |
| Average earning assets | $6,566,143,667 | 200 |
| Average equity | $948,868,333 | 168 |
| Average total loans | $5,220,758,000 | 195 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 2,042 |
| Cost of funding earning assets | 0.3288% | 4,128 |
| Net interest margin | 4.2889% | 821 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.6550% | 1,792 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5013% | 1,185 |
| Return on assets (ROA) | 2.0688% | 442 |
| Pretax return on assets | 2.6105% | 314 |
| Return on Equity (ROE) | 15.5100% | 1,459 |
| Retained earnings to average equity (ytd only) | 15.5055% | 740 |
| Net charge-offs to loans | 0.0866% | 647 |
| Credit loss provision to net charge-offs | 91.0153% | 1,172 |
| Earnings coverage of net charge-offs (x) | 30.8922% | 1,293 |
| Efficiency ratio | 57.1102% | 3,291 |
| Assets per employee ($millions) | 9.2114% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,277 |
| Loan loss allowance to noncurrent loans | 409.8987% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,796 |
| Noncurrent loans to loans | 0.3648% | 1,840 |
| Net loans and leases to total assets | 72.4700% | 1,377 |
| Net loans and leases to deposits | 88.0948% | 1,198 |
| Net loans and leases to core deposits | 92.2319% | 1,495 |
| Total domestic deposits to total assets | 82.2700% | 3,439 |
| Equity capital to assets | 13.5113% | 668 |
| Core capital (leverage) ratio | 13.6738% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0060% | 1,624 |
| Memoranda: | ||
| Average total assets | $7,004,731,000 | 214 |
| Average earning assets | $6,488,265,000 | 203 |
| Average equity | $934,585,500 | 175 |
| Average total loans | $5,141,774,000 | 201 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 3,450 |
| Cost of funding earning assets | 0.2026% | 3,736 |
| Net interest margin | 3.1571% | 3,000 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.3482% | 2,587 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0088% | 2,535 |
| Return on assets (ROA) | 0.5419% | 3,969 |
| Pretax return on assets | 0.6838% | 3,880 |
| Return on Equity (ROE) | 4.4000% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,269 |
| Net charge-offs to loans | -0.0054% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.1237% | 2,473 |
| Assets per employee ($millions) | 9.5128% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,401 |
| Loan loss allowance to noncurrent loans | 603.7941% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,334 |
| Noncurrent loans to loans | 0.2369% | 2,331 |
| Net loans and leases to total assets | 72.1800% | 1,398 |
| Net loans and leases to deposits | 86.0989% | 1,309 |
| Net loans and leases to core deposits | 88.2476% | 1,594 |
| Total domestic deposits to total assets | 83.8400% | 3,243 |
| Equity capital to assets | 13.1702% | 673 |
| Core capital (leverage) ratio | 12.9687% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7358% | 1,718 |
| Memoranda: | ||
| Average total assets | $7,295,060,000 | 206 |
| Average earning assets | $6,812,498,200 | 197 |
| Average equity | $898,770,600 | 180 |
| Average total loans | $4,565,116,400 | 208 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 3,785 |
| Cost of funding earning assets | 0.2054% | 3,209 |
| Net interest margin | 2.8480% | 3,629 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.2490% | 2,795 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.8901% | 2,905 |
| Return on assets (ROA) | 0.0510% | 4,538 |
| Pretax return on assets | 0.0649% | 4,533 |
| Return on Equity (ROE) | 0.4200% | 4,533 |
| Retained earnings to average equity (ytd only) | 0.4209% | 4,282 |
| Net charge-offs to loans | -0.0184% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5837% | 2,207 |
| Assets per employee ($millions) | 10.2118% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,396 |
| Loan loss allowance to noncurrent loans | 602.1567% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,488 |
| Noncurrent loans to loans | 0.2436% | 2,407 |
| Net loans and leases to total assets | 65.3200% | 1,950 |
| Net loans and leases to deposits | 77.3291% | 1,772 |
| Net loans and leases to core deposits | 77.7582% | 2,058 |
| Total domestic deposits to total assets | 84.4700% | 3,392 |
| Equity capital to assets | 11.9306% | 900 |
| Core capital (leverage) ratio | 12.0379% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8569% | 1,751 |
| Memoranda: | ||
| Average total assets | $7,382,741,000 | 202 |
| Average earning assets | $6,908,738,750 | 193 |
| Average equity | $894,817,250 | 180 |
| Average total loans | $4,435,031,750 | 210 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 4,100 |
| Cost of funding earning assets | 0.2090% | 2,801 |
| Net interest margin | 2.5189% | 4,059 |
| Noninterest income to average assets | 0.6955% | 1,356 |
| Noninterest expense to average assets | 2.1357% | 3,043 |
| Loan and lease loss provision to assets | -0.0929% | 4,583 |
| Net operating income to assets | 0.8044% | 2,939 |
| Return on assets (ROA) | -0.2988% | 4,632 |
| Pretax return on assets | -0.3799% | 4,631 |
| Return on Equity (ROE) | -2.4524% | 4,627 |
| Retained earnings to average equity (ytd only) | -2.4524% | 4,414 |
| Net charge-offs to loans | -0.0049% | 3,335 |
| Credit loss provision to net charge-offs | 3,250.0000% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1424% | 2,084 |
| Assets per employee ($millions) | 10.6830% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,455 |
| Loan loss allowance to noncurrent loans | 594.0402% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,610 |
| Noncurrent loans to loans | 0.2496% | 2,482 |
| Net loans and leases to total assets | 61.9024% | 2,135 |
| Net loans and leases to deposits | 74.4466% | 1,815 |
| Net loans and leases to core deposits | 74.9527% | 2,099 |
| Total domestic deposits to total assets | 83.1501% | 3,853 |
| Equity capital to assets | 11.8960% | 911 |
| Core capital (leverage) ratio | 11.7885% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1201% | 1,677 |
| Memoranda: | ||
| Average total assets | $7,413,239,333 | 198 |
| Average earning assets | $6,956,497,333 | 192 |
| Average equity | $903,127,667 | 178 |
| Average total loans | $4,302,128,333 | 212 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5516% | 4,195 |
| Cost of funding earning assets | 0.2118% | 2,642 |
| Net interest margin | 2.3398% | 4,172 |
| Noninterest income to average assets | 0.7326% | 1,214 |
| Noninterest expense to average assets | 2.1145% | 3,098 |
| Loan and lease loss provision to assets | -0.1111% | 4,615 |
| Net operating income to assets | 0.7358% | 2,905 |
| Return on assets (ROA) | 0.1023% | 4,438 |
| Pretax return on assets | 0.1301% | 4,411 |
| Return on Equity (ROE) | 0.8302% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.8302% | 3,858 |
| Net charge-offs to loans | -0.0082% | 3,508 |
| Credit loss provision to net charge-offs | 2,431.7647% | 182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3242% | 2,067 |
| Assets per employee ($millions) | 11.1780% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 1,083 |
| Loan loss allowance to noncurrent loans | 623.4555% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 2,751 |
| Noncurrent loans to loans | 0.2699% | 2,507 |
| Net loans and leases to total assets | 54.6364% | 2,672 |
| Net loans and leases to deposits | 66.8831% | 2,254 |
| Net loans and leases to core deposits | 67.4943% | 2,493 |
| Total domestic deposits to total assets | 81.6895% | 4,115 |
| Equity capital to assets | 12.1237% | 916 |
| Core capital (leverage) ratio | 12.0606% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5745% | 1,372 |
| Memoranda: | ||
| Average total assets | $7,439,555,000 | 197 |
| Average earning assets | $7,003,805,000 | 192 |
| Average equity | $916,884,000 | 179 |
| Average total loans | $4,140,707,000 | 217 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6943% | 4,314 |
| Cost of funding earning assets | 0.2870% | 2,534 |
| Net interest margin | 2.4073% | 4,315 |
| Noninterest income to average assets | 0.6526% | 1,934 |
| Noninterest expense to average assets | 2.1470% | 3,243 |
| Loan and lease loss provision to assets | -0.0761% | 4,471 |
| Net operating income to assets | 0.6799% | 3,673 |
| Return on assets (ROA) | 1.1195% | 2,275 |
| Pretax return on assets | 1.4236% | 1,965 |
| Return on Equity (ROE) | 9.1702% | 2,848 |
| Retained earnings to average equity (ytd only) | 9.1702% | 1,147 |
| Net charge-offs to loans | 0.0718% | 1,073 |
| Credit loss provision to net charge-offs | -179.9544% | 3,487 |
| Earnings coverage of net charge-offs (x) | 18.6985% | 1,903 |
| Efficiency ratio | 72.2329% | 1,489 |
| Assets per employee ($millions) | 11.0463% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 960 |
| Loan loss allowance to noncurrent loans | 504.3835% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,598 |
| Noncurrent loans to loans | 0.3456% | 2,342 |
| Net loans and leases to total assets | 54.7736% | 2,754 |
| Net loans and leases to deposits | 67.8872% | 2,320 |
| Net loans and leases to core deposits | 68.6783% | 2,588 |
| Total domestic deposits to total assets | 80.6832% | 4,146 |
| Equity capital to assets | 12.5273% | 1,049 |
| Core capital (leverage) ratio | 12.0670% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0891% | 1,244 |
| Memoranda: | ||
| Average total assets | $7,252,364,200 | 200 |
| Average earning assets | $6,885,119,800 | 193 |
| Average equity | $885,369,000 | 183 |
| Average total loans | $4,273,168,400 | 211 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7192% | 4,384 |
| Cost of funding earning assets | 0.3081% | 2,522 |
| Net interest margin | 2.4111% | 4,387 |
| Noninterest income to average assets | 0.6656% | 1,953 |
| Noninterest expense to average assets | 2.1472% | 3,226 |
| Loan and lease loss provision to assets | 0.0366% | 2,259 |
| Net operating income to assets | 0.5965% | 4,011 |
| Return on assets (ROA) | 0.9822% | 3,058 |
| Pretax return on assets | 1.2624% | 2,726 |
| Return on Equity (ROE) | 8.1002% | 3,370 |
| Retained earnings to average equity (ytd only) | 8.1002% | 2,024 |
| Net charge-offs to loans | 0.0746% | 910 |
| Credit loss provision to net charge-offs | 82.0481% | 1,705 |
| Earnings coverage of net charge-offs (x) | 18.1866% | 1,794 |
| Efficiency ratio | 71.7268% | 1,429 |
| Assets per employee ($millions) | 10.8050% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 705 |
| Loan loss allowance to noncurrent loans | 552.4043% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,806 |
| Noncurrent loans to loans | 0.3525% | 2,512 |
| Net loans and leases to total assets | 54.6324% | 2,889 |
| Net loans and leases to deposits | 67.4514% | 2,490 |
| Net loans and leases to core deposits | 68.2760% | 2,756 |
| Total domestic deposits to total assets | 80.9952% | 4,095 |
| Equity capital to assets | 12.1982% | 1,313 |
| Core capital (leverage) ratio | 11.7153% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9429% | 1,364 |
| Memoranda: | ||
| Average total assets | $7,215,197,500 | 202 |
| Average earning assets | $6,859,549,500 | 194 |
| Average equity | $874,924,750 | 183 |
| Average total loans | $4,310,029,000 | 213 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7819% | 4,370 |
| Cost of funding earning assets | 0.3269% | 2,529 |
| Net interest margin | 2.4550% | 4,360 |
| Noninterest income to average assets | 0.6478% | 2,010 |
| Noninterest expense to average assets | 2.1872% | 3,133 |
| Loan and lease loss provision to assets | 0.1251% | 1,003 |
| Net operating income to assets | 0.5112% | 4,197 |
| Return on assets (ROA) | 1.0709% | 2,724 |
| Pretax return on assets | 1.3763% | 2,401 |
| Return on Equity (ROE) | 8.8497% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.8497% | 1,758 |
| Net charge-offs to loans | 0.0434% | 1,203 |
| Credit loss provision to net charge-offs | 471.4737% | 699 |
| Earnings coverage of net charge-offs (x) | 29.8811% | 1,311 |
| Efficiency ratio | 72.5256% | 1,377 |
| Assets per employee ($millions) | 10.3789% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 611 |
| Loan loss allowance to noncurrent loans | 479.1755% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,726 |
| Noncurrent loans to loans | 0.4169% | 2,433 |
| Net loans and leases to total assets | 56.5831% | 2,832 |
| Net loans and leases to deposits | 69.9289% | 2,415 |
| Net loans and leases to core deposits | 71.0953% | 2,682 |
| Total domestic deposits to total assets | 80.9152% | 4,097 |
| Equity capital to assets | 12.1805% | 1,283 |
| Core capital (leverage) ratio | 11.6919% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6040% | 1,445 |
| Memoranda: | ||
| Average total assets | $7,160,322,333 | 203 |
| Average earning assets | $6,802,448,333 | 196 |
| Average equity | $866,497,000 | 184 |
| Average total loans | $4,376,090,333 | 210 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 4,321 |
| Cost of funding earning assets | 0.3543% | 2,493 |
| Net interest margin | 2.4908% | 4,314 |
| Noninterest income to average assets | 0.6616% | 1,991 |
| Noninterest expense to average assets | 2.2358% | 2,986 |
| Loan and lease loss provision to assets | 0.1514% | 859 |
| Net operating income to assets | 0.4897% | 4,193 |
| Return on assets (ROA) | 1.0077% | 2,875 |
| Pretax return on assets | 1.2951% | 2,585 |
| Return on Equity (ROE) | 8.3555% | 3,224 |
| Retained earnings to average equity (ytd only) | 8.3555% | 2,135 |
| Net charge-offs to loans | 0.0787% | 808 |
| Credit loss provision to net charge-offs | 306.0364% | 744 |
| Earnings coverage of net charge-offs (x) | 15.9818% | 1,329 |
| Efficiency ratio | 73.0095% | 1,404 |
| Assets per employee ($millions) | 10.3164% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 722 |
| Loan loss allowance to noncurrent loans | 466.2169% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 2,888 |
| Noncurrent loans to loans | 0.4104% | 2,635 |
| Net loans and leases to total assets | 59.3545% | 2,627 |
| Net loans and leases to deposits | 73.1019% | 2,205 |
| Net loans and leases to core deposits | 74.5388% | 2,462 |
| Total domestic deposits to total assets | 81.1943% | 4,032 |
| Equity capital to assets | 11.9842% | 1,291 |
| Core capital (leverage) ratio | 11.7531% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3601% | 1,457 |
| Memoranda: | ||
| Average total assets | $7,097,500,000 | 201 |
| Average earning assets | $6,739,017,500 | 198 |
| Average equity | $856,012,000 | 184 |
| Average total loans | $4,460,805,000 | 209 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 4,430 |
| Cost of funding earning assets | 0.6853% | 1,803 |
| Net interest margin | 2.5334% | 4,556 |
| Noninterest income to average assets | 0.7601% | 1,662 |
| Noninterest expense to average assets | 2.3030% | 3,392 |
| Loan and lease loss provision to assets | 0.7663% | 173 |
| Net operating income to assets | 0.0568% | 4,697 |
| Return on assets (ROA) | 0.5755% | 3,934 |
| Pretax return on assets | 0.7396% | 3,789 |
| Return on Equity (ROE) | 4.5623% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.5623% | 2,501 |
| Net charge-offs to loans | 0.1041% | 1,428 |
| Credit loss provision to net charge-offs | 1,063.4409% | 751 |
| Earnings coverage of net charge-offs (x) | 11.7871% | 2,383 |
| Efficiency ratio | 72.0048% | 1,682 |
| Assets per employee ($millions) | 9.9338% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 862 |
| Loan loss allowance to noncurrent loans | 419.3940% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 2,893 |
| Noncurrent loans to loans | 0.4285% | 2,691 |
| Net loans and leases to total assets | 64.0983% | 2,347 |
| Net loans and leases to deposits | 79.8706% | 1,876 |
| Net loans and leases to core deposits | 82.0513% | 2,187 |
| Total domestic deposits to total assets | 80.2527% | 4,008 |
| Equity capital to assets | 12.1401% | 1,504 |
| Core capital (leverage) ratio | 11.7209% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0807% | 1,824 |
| Memoranda: | ||
| Average total assets | $6,453,053,600 | 206 |
| Average earning assets | $6,093,540,400 | 200 |
| Average equity | $814,022,600 | 186 |
| Average total loans | $4,465,089,800 | 205 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2759% | 4,507 |
| Cost of funding earning assets | 0.7501% | 1,746 |
| Net interest margin | 2.5257% | 4,638 |
| Noninterest income to average assets | 0.7860% | 1,548 |
| Noninterest expense to average assets | 2.3134% | 3,387 |
| Loan and lease loss provision to assets | 0.6695% | 341 |
| Net operating income to assets | 0.1405% | 4,661 |
| Return on assets (ROA) | 0.3779% | 4,370 |
| Pretax return on assets | 0.4859% | 4,307 |
| Return on Equity (ROE) | 2.9653% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.9653% | 3,536 |
| Net charge-offs to loans | 0.1266% | 1,124 |
| Credit loss provision to net charge-offs | 752.5480% | 1,022 |
| Earnings coverage of net charge-offs (x) | 9.6089% | 2,417 |
| Efficiency ratio | 71.9231% | 1,653 |
| Assets per employee ($millions) | 9.6766% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 1,794 |
| Loan loss allowance to noncurrent loans | 350.1981% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 3,084 |
| Noncurrent loans to loans | 0.3958% | 2,871 |
| Net loans and leases to total assets | 67.3120% | 2,347 |
| Net loans and leases to deposits | 84.1397% | 1,896 |
| Net loans and leases to core deposits | 87.0610% | 2,230 |
| Total domestic deposits to total assets | 80.0003% | 3,871 |
| Equity capital to assets | 12.0867% | 1,630 |
| Core capital (leverage) ratio | 11.6370% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5979% | 1,962 |
| Memoranda: | ||
| Average total assets | $6,322,937,000 | 206 |
| Average earning assets | $5,963,606,750 | 198 |
| Average equity | $805,881,000 | 186 |
| Average total loans | $4,443,432,750 | 205 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 4,479 |
| Cost of funding earning assets | 0.8194% | 1,735 |
| Net interest margin | 2.6317% | 4,626 |
| Noninterest income to average assets | 0.7687% | 1,527 |
| Noninterest expense to average assets | 2.3808% | 3,303 |
| Loan and lease loss provision to assets | 0.4564% | 843 |
| Net operating income to assets | 0.3184% | 4,384 |
| Return on assets (ROA) | 0.3234% | 4,428 |
| Pretax return on assets | 0.4158% | 4,390 |
| Return on Equity (ROE) | 2.4896% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.4896% | 3,583 |
| Net charge-offs to loans | 0.0179% | 2,367 |
| Credit loss provision to net charge-offs | 3,584.1837% | 306 |
| Earnings coverage of net charge-offs (x) | 67.9974% | 895 |
| Efficiency ratio | 72.2312% | 1,647 |
| Assets per employee ($millions) | 9.2720% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,064 |
| Loan loss allowance to noncurrent loans | 329.0790% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,400 |
| Noncurrent loans to loans | 0.3342% | 3,194 |
| Net loans and leases to total assets | 68.4461% | 2,274 |
| Net loans and leases to deposits | 85.9163% | 1,775 |
| Net loans and leases to core deposits | 89.1295% | 2,148 |
| Total domestic deposits to total assets | 79.6661% | 3,904 |
| Equity capital to assets | 12.2317% | 1,522 |
| Core capital (leverage) ratio | 12.0515% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6146% | 1,954 |
| Memoranda: | ||
| Average total assets | $6,156,570,000 | 205 |
| Average earning assets | $5,796,971,333 | 198 |
| Average equity | $799,655,000 | 188 |
| Average total loans | $4,372,381,000 | 203 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,364 |
| Cost of funding earning assets | 0.9259% | 1,752 |
| Net interest margin | 2.7900% | 4,576 |
| Noninterest income to average assets | 0.8047% | 1,297 |
| Noninterest expense to average assets | 2.5196% | 3,216 |
| Loan and lease loss provision to assets | 0.0847% | 2,633 |
| Net operating income to assets | 0.6629% | 3,395 |
| Return on assets (ROA) | -0.7746% | 4,947 |
| Pretax return on assets | -0.9958% | 4,957 |
| Return on Equity (ROE) | -5.7738% | 4,940 |
| Retained earnings to average equity (ytd only) | -5.7738% | 4,572 |
| Net charge-offs to loans | 0.0281% | 1,813 |
| Credit loss provision to net charge-offs | 418.0602% | 974 |
| Earnings coverage of net charge-offs (x) | 44.8629% | 968 |
| Efficiency ratio | 72.4150% | 2,015 |
| Assets per employee ($millions) | 8.1169% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,149 |
| Loan loss allowance to noncurrent loans | 323.8185% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 3,705 |
| Noncurrent loans to loans | 0.2747% | 3,511 |
| Net loans and leases to total assets | 70.5177% | 2,166 |
| Net loans and leases to deposits | 90.1192% | 1,498 |
| Net loans and leases to core deposits | 94.3599% | 1,935 |
| Total domestic deposits to total assets | 78.2494% | 4,176 |
| Equity capital to assets | 13.0843% | 1,383 |
| Core capital (leverage) ratio | 12.8598% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5497% | 1,746 |
| Memoranda: | ||
| Average total assets | $5,906,219,500 | 208 |
| Average earning assets | $5,553,522,500 | 199 |
| Average equity | $792,333,500 | 191 |
| Average total loans | $4,254,916,500 | 205 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 4,158 |
| Cost of funding earning assets | 0.9519% | 1,950 |
| Net interest margin | 3.0909% | 4,383 |
| Noninterest income to average assets | 0.8045% | 1,440 |
| Noninterest expense to average assets | 2.6247% | 3,108 |
| Loan and lease loss provision to assets | 0.0676% | 2,659 |
| Net operating income to assets | 0.7941% | 3,574 |
| Return on assets (ROA) | 1.2264% | 2,049 |
| Pretax return on assets | 1.5768% | 1,558 |
| Return on Equity (ROE) | 8.4385% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.4385% | 844 |
| Net charge-offs to loans | 0.0277% | 2,838 |
| Credit loss provision to net charge-offs | 327.2727% | 851 |
| Earnings coverage of net charge-offs (x) | 53.0973% | 1,075 |
| Efficiency ratio | 70.0174% | 2,170 |
| Assets per employee ($millions) | 7.6602% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,073 |
| Loan loss allowance to noncurrent loans | 348.0064% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,738 |
| Noncurrent loans to loans | 0.2507% | 3,549 |
| Net loans and leases to total assets | 72.3238% | 2,038 |
| Net loans and leases to deposits | 93.9285% | 1,162 |
| Net loans and leases to core deposits | 98.4190% | 1,700 |
| Total domestic deposits to total assets | 76.9987% | 4,490 |
| Equity capital to assets | 13.7567% | 1,187 |
| Core capital (leverage) ratio | 13.4059% | 1,079 |
| Tier 1 risk-based capital ratio | 15.2578% | 2,674 |
| Total risk-based capital ratio | 15.9995% | 2,811 |
| Memoranda: | ||
| Average total assets | $5,323,278,800 | 212 |
| Average earning assets | $5,024,394,400 | 207 |
| Average equity | $773,656,000 | 188 |
| Average total loans | $3,967,996,600 | 208 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 4,207 |
| Cost of funding earning assets | 0.9288% | 2,086 |
| Net interest margin | 3.1483% | 4,405 |
| Noninterest income to average assets | 0.7710% | 1,517 |
| Noninterest expense to average assets | 2.5597% | 3,279 |
| Loan and lease loss provision to assets | 0.0692% | 2,492 |
| Net operating income to assets | 0.8747% | 3,431 |
| Return on assets (ROA) | 1.2723% | 2,022 |
| Pretax return on assets | 1.6187% | 1,571 |
| Return on Equity (ROE) | 8.6254% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.6254% | 1,159 |
| Net charge-offs to loans | 0.0185% | 2,760 |
| Credit loss provision to net charge-offs | 499.0758% | 636 |
| Earnings coverage of net charge-offs (x) | 85.4135% | 826 |
| Efficiency ratio | 68.0751% | 2,405 |
| Assets per employee ($millions) | 7.4885% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,839 |
| Loan loss allowance to noncurrent loans | 394.1733% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,842 |
| Noncurrent loans to loans | 0.2401% | 3,682 |
| Net loans and leases to total assets | 72.4845% | 2,087 |
| Net loans and leases to deposits | 96.3050% | 981 |
| Net loans and leases to core deposits | 101.0613% | 1,578 |
| Total domestic deposits to total assets | 75.2656% | 4,719 |
| Equity capital to assets | 14.9017% | 869 |
| Core capital (leverage) ratio | 14.9517% | 749 |
| Tier 1 risk-based capital ratio | 17.3199% | 1,992 |
| Total risk-based capital ratio | 18.1297% | 2,064 |
| Memoranda: | ||
| Average total assets | $5,200,579,750 | 218 |
| Average earning assets | $4,911,474,750 | 213 |
| Average equity | $767,114,000 | 191 |
| Average total loans | $3,899,504,500 | 215 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 4,079 |
| Cost of funding earning assets | 0.8987% | 2,149 |
| Net interest margin | 3.2369% | 4,273 |
| Noninterest income to average assets | 0.7617% | 1,473 |
| Noninterest expense to average assets | 2.5160% | 3,425 |
| Loan and lease loss provision to assets | 0.0696% | 2,428 |
| Net operating income to assets | 0.9866% | 2,970 |
| Return on assets (ROA) | 1.5756% | 997 |
| Pretax return on assets | 1.9573% | 742 |
| Return on Equity (ROE) | 10.7195% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.7195% | 599 |
| Net charge-offs to loans | 0.0330% | 2,204 |
| Credit loss provision to net charge-offs | 279.5031% | 937 |
| Earnings coverage of net charge-offs (x) | 52.1646% | 1,063 |
| Efficiency ratio | 65.6497% | 2,861 |
| Assets per employee ($millions) | 7.3707% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 4,010 |
| Loan loss allowance to noncurrent loans | 334.3302% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 3,762 |
| Noncurrent loans to loans | 0.2750% | 3,544 |
| Net loans and leases to total assets | 72.9162% | 2,075 |
| Net loans and leases to deposits | 96.6050% | 972 |
| Net loans and leases to core deposits | 101.1157% | 1,625 |
| Total domestic deposits to total assets | 75.4788% | 4,727 |
| Equity capital to assets | 14.8031% | 866 |
| Core capital (leverage) ratio | 15.0507% | 696 |
| Tier 1 risk-based capital ratio | 17.1456% | 2,044 |
| Total risk-based capital ratio | 17.9344% | 2,129 |
| Memoranda: | ||
| Average total assets | $5,169,308,000 | 221 |
| Average earning assets | $4,877,376,670 | 215 |
| Average equity | $759,833,330 | 192 |
| Average total loans | $3,907,912,000 | 213 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 4,174 |
| Cost of funding earning assets | 0.8739% | 2,131 |
| Net interest margin | 3.2078% | 4,369 |
| Noninterest income to average assets | 0.7563% | 1,414 |
| Noninterest expense to average assets | 2.5663% | 3,310 |
| Loan and lease loss provision to assets | 0.0703% | 2,253 |
| Net operating income to assets | 0.9240% | 3,145 |
| Return on assets (ROA) | 1.7738% | 633 |
| Pretax return on assets | 2.2035% | 445 |
| Return on Equity (ROE) | 12.1118% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.1118% | 593 |
| Net charge-offs to loans | 0.0145% | 2,189 |
| Credit loss provision to net charge-offs | 633.8028% | 520 |
| Earnings coverage of net charge-offs (x) | 109.1901% | 634 |
| Efficiency ratio | 67.6360% | 2,692 |
| Assets per employee ($millions) | 7.3809% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,188 |
| Loan loss allowance to noncurrent loans | 293.2884% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,679 |
| Noncurrent loans to loans | 0.3044% | 3,475 |
| Net loans and leases to total assets | 76.0942% | 1,462 |
| Net loans and leases to deposits | 103.0976% | 442 |
| Net loans and leases to core deposits | 107.4619% | 1,074 |
| Total domestic deposits to total assets | 73.8079% | 4,949 |
| Equity capital to assets | 14.7827% | 796 |
| Core capital (leverage) ratio | 14.8380% | 733 |
| Tier 1 risk-based capital ratio | 16.6026% | 2,227 |
| Total risk-based capital ratio | 17.3760% | 2,336 |
| Memoranda: | ||
| Average total assets | $5,118,920,500 | 225 |
| Average earning assets | $4,821,870,000 | 218 |
| Average equity | $749,683,000 | 196 |
| Average total loans | $3,922,664,000 | 213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,497 |
| Cost of funding earning assets | 0.6169% | 2,605 |
| Net interest margin | 3.1778% | 4,524 |
| Noninterest income to average assets | 0.7472% | 1,654 |
| Noninterest expense to average assets | 2.7536% | 2,845 |
| Loan and lease loss provision to assets | 0.0515% | 3,151 |
| Net operating income to assets | 0.7786% | 3,882 |
| Return on assets (ROA) | 1.4707% | 1,193 |
| Pretax return on assets | 1.7915% | 944 |
| Return on Equity (ROE) | 9.8046% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.8046% | 653 |
| Net charge-offs to loans | 0.0265% | 2,887 |
| Credit loss provision to net charge-offs | 256.9672% | 1,164 |
| Earnings coverage of net charge-offs (x) | 49.8135% | 1,138 |
| Efficiency ratio | 72.9895% | 1,763 |
| Assets per employee ($millions) | 7.2763% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,224 |
| Loan loss allowance to noncurrent loans | 261.6744% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 3,508 |
| Noncurrent loans to loans | 0.3385% | 3,332 |
| Net loans and leases to total assets | 75.8027% | 1,649 |
| Net loans and leases to deposits | 104.2242% | 469 |
| Net loans and leases to core deposits | 108.0509% | 1,115 |
| Total domestic deposits to total assets | 72.7304% | 5,025 |
| Equity capital to assets | 14.5066% | 835 |
| Core capital (leverage) ratio | 14.8407% | 724 |
| Tier 1 risk-based capital ratio | 16.5974% | 2,206 |
| Total risk-based capital ratio | 17.4527% | 2,284 |
| Memoranda: | ||
| Average total assets | $4,866,349,000 | 228 |
| Average earning assets | $4,602,478,200 | 220 |
| Average equity | $729,929,400 | 188 |
| Average total loans | $3,687,123,200 | 221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,532 |
| Cost of funding earning assets | 0.5698% | 2,709 |
| Net interest margin | 3.1893% | 4,536 |
| Noninterest income to average assets | 0.7371% | 1,726 |
| Noninterest expense to average assets | 2.6126% | 3,246 |
| Loan and lease loss provision to assets | 0.0695% | 2,581 |
| Net operating income to assets | 0.8436% | 3,760 |
| Return on assets (ROA) | 1.1542% | 2,431 |
| Pretax return on assets | 1.4657% | 2,017 |
| Return on Equity (ROE) | 7.6289% | 3,696 |
| Retained earnings to average equity (ytd only) | 7.6289% | 1,835 |
| Net charge-offs to loans | 0.0111% | 3,023 |
| Credit loss provision to net charge-offs | 830.4636% | 474 |
| Earnings coverage of net charge-offs (x) | 136.4161% | 593 |
| Efficiency ratio | 69.1868% | 2,325 |
| Assets per employee ($millions) | 7.0900% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,071 |
| Loan loss allowance to noncurrent loans | 230.7102% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 3,438 |
| Noncurrent loans to loans | 0.4091% | 3,186 |
| Net loans and leases to total assets | 74.7167% | 1,870 |
| Net loans and leases to deposits | 100.5212% | 737 |
| Net loans and leases to core deposits | 103.4073% | 1,498 |
| Total domestic deposits to total assets | 74.3293% | 4,949 |
| Equity capital to assets | 15.3173% | 658 |
| Core capital (leverage) ratio | 14.5779% | 802 |
| Tier 1 risk-based capital ratio | 15.0555% | 2,859 |
| Total risk-based capital ratio | 16.4817% | 2,693 |
| Memoranda: | ||
| Average total assets | $4,809,592,500 | 228 |
| Average earning assets | $4,550,715,000 | 222 |
| Average equity | $727,692,750 | 188 |
| Average total loans | $3,635,048,000 | 223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,517 |
| Cost of funding earning assets | 0.5378% | 2,711 |
| Net interest margin | 3.1929% | 4,521 |
| Noninterest income to average assets | 0.7399% | 1,688 |
| Noninterest expense to average assets | 2.6236% | 3,250 |
| Loan and lease loss provision to assets | 0.0902% | 2,121 |
| Net operating income to assets | 0.8392% | 3,722 |
| Return on assets (ROA) | 1.1485% | 2,402 |
| Pretax return on assets | 1.4358% | 2,035 |
| Return on Equity (ROE) | 7.6234% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.6234% | 1,787 |
| Net charge-offs to loans | 0.0231% | 2,405 |
| Credit loss provision to net charge-offs | 516.8269% | 693 |
| Earnings coverage of net charge-offs (x) | 65.2644% | 949 |
| Efficiency ratio | 69.3158% | 2,423 |
| Assets per employee ($millions) | 6.8448% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 4,058 |
| Loan loss allowance to noncurrent loans | 228.9814% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,474 |
| Noncurrent loans to loans | 0.4199% | 3,194 |
| Net loans and leases to total assets | 74.6171% | 1,849 |
| Net loans and leases to deposits | 98.7077% | 910 |
| Net loans and leases to core deposits | 101.0870% | 1,646 |
| Total domestic deposits to total assets | 75.5940% | 4,892 |
| Equity capital to assets | 15.2619% | 638 |
| Core capital (leverage) ratio | 14.5532% | 765 |
| Tier 1 risk-based capital ratio | 15.3097% | 2,725 |
| Total risk-based capital ratio | 16.6294% | 2,625 |
| Memoranda: | ||
| Average total assets | $4,765,549,330 | 226 |
| Average earning assets | $4,512,255,330 | 220 |
| Average equity | $717,944,330 | 188 |
| Average total loans | $3,604,239,000 | 222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 4,565 |
| Cost of funding earning assets | 0.5196% | 2,641 |
| Net interest margin | 3.1427% | 4,614 |
| Noninterest income to average assets | 0.7368% | 1,674 |
| Noninterest expense to average assets | 2.6582% | 3,165 |
| Loan and lease loss provision to assets | 0.0905% | 1,995 |
| Net operating income to assets | 0.7730% | 3,821 |
| Return on assets (ROA) | 0.9996% | 2,881 |
| Pretax return on assets | 1.2497% | 2,552 |
| Return on Equity (ROE) | 6.6791% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.6791% | 2,421 |
| Net charge-offs to loans | 0.0193% | 2,111 |
| Credit loss provision to net charge-offs | 617.8161% | 509 |
| Earnings coverage of net charge-offs (x) | 72.1667% | 756 |
| Efficiency ratio | 71.1425% | 2,316 |
| Assets per employee ($millions) | 6.9352% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,241 |
| Loan loss allowance to noncurrent loans | 262.6454% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,752 |
| Noncurrent loans to loans | 0.3598% | 3,482 |
| Net loans and leases to total assets | 74.9552% | 1,712 |
| Net loans and leases to deposits | 99.5502% | 742 |
| Net loans and leases to core deposits | 102.0276% | 1,527 |
| Total domestic deposits to total assets | 75.2939% | 5,041 |
| Equity capital to assets | 15.1119% | 646 |
| Core capital (leverage) ratio | 14.3182% | 803 |
| Tier 1 risk-based capital ratio | 15.0937% | 2,830 |
| Total risk-based capital ratio | 16.4029% | 2,741 |
| Memoranda: | ||
| Average total assets | $4,752,638,000 | 226 |
| Average earning assets | $4,503,989,500 | 220 |
| Average equity | $711,290,000 | 191 |
| Average total loans | $3,601,412,500 | 221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,518 |
| Cost of funding earning assets | 0.4836% | 2,472 |
| Net interest margin | 3.1427% | 4,594 |
| Noninterest income to average assets | 0.8289% | 1,468 |
| Noninterest expense to average assets | 2.6716% | 3,226 |
| Loan and lease loss provision to assets | 0.0368% | 3,532 |
| Net operating income to assets | 0.6156% | 3,949 |
| Return on assets (ROA) | 0.8542% | 2,960 |
| Pretax return on assets | 1.4578% | 1,789 |
| Return on Equity (ROE) | 5.9211% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.9211% | 1,584 |
| Net charge-offs to loans | 0.0548% | 2,701 |
| Credit loss provision to net charge-offs | 88.3282% | 2,819 |
| Earnings coverage of net charge-offs (x) | 26.9001% | 1,654 |
| Efficiency ratio | 69.9324% | 2,561 |
| Assets per employee ($millions) | 6.9512% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,411 |
| Loan loss allowance to noncurrent loans | 258.9524% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 3,775 |
| Noncurrent loans to loans | 0.3519% | 3,500 |
| Net loans and leases to total assets | 75.1916% | 1,723 |
| Net loans and leases to deposits | 100.9047% | 664 |
| Net loans and leases to core deposits | 103.4779% | 1,446 |
| Total domestic deposits to total assets | 74.5175% | 5,137 |
| Equity capital to assets | 14.8215% | 713 |
| Core capital (leverage) ratio | 14.0751% | 818 |
| Tier 1 risk-based capital ratio | 15.0480% | 2,833 |
| Total risk-based capital ratio | 16.3628% | 2,728 |
| Memoranda: | ||
| Average total assets | $4,705,121,200 | 215 |
| Average earning assets | $4,438,145,200 | 209 |
| Average equity | $678,795,000 | 188 |
| Average total loans | $3,577,427,000 | 208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,550 |
| Cost of funding earning assets | 0.4753% | 2,476 |
| Net interest margin | 3.1274% | 4,629 |
| Noninterest income to average assets | 0.7578% | 1,744 |
| Noninterest expense to average assets | 2.6732% | 3,149 |
| Loan and lease loss provision to assets | 0.0493% | 3,109 |
| Net operating income to assets | 0.6464% | 4,204 |
| Return on assets (ROA) | 0.9095% | 3,041 |
| Pretax return on assets | 1.3810% | 2,169 |
| Return on Equity (ROE) | 6.3487% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.3487% | 2,033 |
| Net charge-offs to loans | 0.0219% | 3,031 |
| Credit loss provision to net charge-offs | 295.2300% | 1,007 |
| Earnings coverage of net charge-offs (x) | 61.8124% | 973 |
| Efficiency ratio | 71.6390% | 2,254 |
| Assets per employee ($millions) | 6.9678% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,389 |
| Loan loss allowance to noncurrent loans | 202.1659% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,591 |
| Noncurrent loans to loans | 0.4638% | 3,311 |
| Net loans and leases to total assets | 75.7026% | 1,641 |
| Net loans and leases to deposits | 103.6128% | 522 |
| Net loans and leases to core deposits | 106.7581% | 1,215 |
| Total domestic deposits to total assets | 73.0630% | 5,305 |
| Equity capital to assets | 14.4351% | 874 |
| Core capital (leverage) ratio | 13.9209% | 911 |
| Tier 1 risk-based capital ratio | 14.4570% | 3,208 |
| Total risk-based capital ratio | 15.6705% | 3,146 |
| Memoranda: | ||
| Average total assets | $4,689,262,500 | 217 |
| Average earning assets | $4,418,819,750 | 211 |
| Average equity | $671,801,250 | 188 |
| Average total loans | $3,567,151,250 | 210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 4,550 |
| Cost of funding earning assets | 0.4717% | 2,399 |
| Net interest margin | 3.1148% | 4,639 |
| Noninterest income to average assets | 0.7746% | 1,667 |
| Noninterest expense to average assets | 2.6865% | 3,136 |
| Loan and lease loss provision to assets | 0.0745% | 2,477 |
| Net operating income to assets | 0.6311% | 4,158 |
| Return on assets (ROA) | 0.9459% | 2,746 |
| Pretax return on assets | 1.4239% | 1,920 |
| Return on Equity (ROE) | 6.6198% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.6198% | 1,787 |
| Net charge-offs to loans | -0.0097% | 4,520 |
| Credit loss provision to net charge-offs | -1,007.5581% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9281% | 2,351 |
| Assets per employee ($millions) | 6.7528% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,269 |
| Loan loss allowance to noncurrent loans | 200.1311% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,626 |
| Noncurrent loans to loans | 0.4892% | 3,283 |
| Net loans and leases to total assets | 75.1268% | 1,676 |
| Net loans and leases to deposits | 99.3134% | 789 |
| Net loans and leases to core deposits | 102.2814% | 1,487 |
| Total domestic deposits to total assets | 75.6462% | 5,132 |
| Equity capital to assets | 14.3549% | 865 |
| Core capital (leverage) ratio | 13.8541% | 898 |
| Tier 1 risk-based capital ratio | 14.4930% | 3,169 |
| Total risk-based capital ratio | 15.6981% | 3,118 |
| Memoranda: | ||
| Average total assets | $4,654,393,670 | 220 |
| Average earning assets | $4,383,107,670 | 212 |
| Average equity | $665,068,670 | 190 |
| Average total loans | $3,535,057,670 | 213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 4,543 |
| Cost of funding earning assets | 0.4768% | 2,284 |
| Net interest margin | 3.0758% | 4,719 |
| Noninterest income to average assets | 0.7995% | 1,553 |
| Noninterest expense to average assets | 2.7112% | 3,102 |
| Loan and lease loss provision to assets | 0.1126% | 1,699 |
| Net operating income to assets | 0.5807% | 4,237 |
| Return on assets (ROA) | 0.7587% | 3,489 |
| Pretax return on assets | 1.1421% | 2,813 |
| Return on Equity (ROE) | 5.3220% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,723 |
| Net charge-offs to loans | -0.0495% | 5,178 |
| Credit loss provision to net charge-offs | -299.5392% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8172% | 2,441 |
| Assets per employee ($millions) | 6.7481% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,377 |
| Loan loss allowance to noncurrent loans | 191.3572% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 3,627 |
| Noncurrent loans to loans | 0.5139% | 3,277 |
| Net loans and leases to total assets | 75.3380% | 1,521 |
| Net loans and leases to deposits | 98.5267% | 725 |
| Net loans and leases to core deposits | 101.5277% | 1,400 |
| Total domestic deposits to total assets | 76.4645% | 5,180 |
| Equity capital to assets | 14.2484% | 833 |
| Core capital (leverage) ratio | 13.8047% | 890 |
| Tier 1 risk-based capital ratio | 14.4513% | 3,228 |
| Total risk-based capital ratio | 15.6836% | 3,161 |
| Memoranda: | ||
| Average total assets | $4,618,102,000 | 221 |
| Average earning assets | $4,349,305,000 | 212 |
| Average equity | $658,327,500 | 189 |
| Average total loans | $3,509,419,000 | 213 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,130 |
| Cost of funding earning assets | 0.4742% | 2,312 |
| Net interest margin | 3.2544% | 4,283 |
| Noninterest income to average assets | 0.7666% | 1,896 |
| Noninterest expense to average assets | 2.8886% | 2,716 |
| Loan and lease loss provision to assets | 0.0686% | 2,991 |
| Net operating income to assets | 0.5780% | 4,309 |
| Return on assets (ROA) | 0.9007% | 2,936 |
| Pretax return on assets | 1.3558% | 2,079 |
| Return on Equity (ROE) | 6.2562% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.2562% | 1,577 |
| Net charge-offs to loans | 0.0734% | 2,650 |
| Credit loss provision to net charge-offs | 124.3781% | 2,150 |
| Earnings coverage of net charge-offs (x) | 16.9561% | 2,082 |
| Efficiency ratio | 74.8736% | 2,154 |
| Assets per employee ($millions) | 6.6278% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,539 |
| Loan loss allowance to noncurrent loans | 168.4114% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,539 |
| Noncurrent loans to loans | 0.5689% | 3,133 |
| Net loans and leases to total assets | 75.1699% | 1,663 |
| Net loans and leases to deposits | 97.3119% | 880 |
| Net loans and leases to core deposits | 99.9799% | 1,624 |
| Total domestic deposits to total assets | 77.2464% | 5,083 |
| Equity capital to assets | 14.2625% | 804 |
| Core capital (leverage) ratio | 13.8400% | 859 |
| Tier 1 risk-based capital ratio | 14.6144% | 3,142 |
| Total risk-based capital ratio | 15.7486% | 3,129 |
| Memoranda: | ||
| Average total assets | $4,371,542,400 | 221 |
| Average earning assets | $4,107,141,000 | 212 |
| Average equity | $629,362,800 | 188 |
| Average total loans | $3,284,236,000 | 214 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,137 |
| Cost of funding earning assets | 0.4734% | 2,334 |
| Net interest margin | 3.2591% | 4,316 |
| Noninterest income to average assets | 0.7666% | 1,905 |
| Noninterest expense to average assets | 2.8758% | 2,717 |
| Loan and lease loss provision to assets | 0.0925% | 2,382 |
| Net operating income to assets | 0.5613% | 4,452 |
| Return on assets (ROA) | 0.8529% | 3,264 |
| Pretax return on assets | 1.3122% | 2,377 |
| Return on Equity (ROE) | 5.9098% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.9098% | 2,230 |
| Net charge-offs to loans | 0.0641% | 2,431 |
| Credit loss provision to net charge-offs | 192.5546% | 1,476 |
| Earnings coverage of net charge-offs (x) | 19.8960% | 1,906 |
| Efficiency ratio | 74.3736% | 2,208 |
| Assets per employee ($millions) | 6.6247% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,361 |
| Loan loss allowance to noncurrent loans | 163.1287% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 3,537 |
| Noncurrent loans to loans | 0.6174% | 3,164 |
| Net loans and leases to total assets | 74.8632% | 1,729 |
| Net loans and leases to deposits | 96.1665% | 1,034 |
| Net loans and leases to core deposits | 98.6923% | 1,753 |
| Total domestic deposits to total assets | 77.8474% | 4,941 |
| Equity capital to assets | 14.2429% | 952 |
| Core capital (leverage) ratio | 13.8516% | 893 |
| Tier 1 risk-based capital ratio | 15.5352% | 2,819 |
| Total risk-based capital ratio | 16.7383% | 2,769 |
| Memoranda: | ||
| Average total assets | $4,322,797,250 | 225 |
| Average earning assets | $4,065,589,750 | 214 |
| Average equity | $623,878,000 | 189 |
| Average total loans | $3,238,830,750 | 215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 3,978 |
| Cost of funding earning assets | 0.4727% | 2,340 |
| Net interest margin | 3.3198% | 4,159 |
| Noninterest income to average assets | 0.7528% | 1,919 |
| Noninterest expense to average assets | 2.9177% | 2,624 |
| Loan and lease loss provision to assets | 0.0936% | 2,281 |
| Net operating income to assets | 0.5615% | 4,433 |
| Return on assets (ROA) | 0.9090% | 2,953 |
| Pretax return on assets | 1.3985% | 2,031 |
| Return on Equity (ROE) | 6.2698% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2698% | 1,974 |
| Net charge-offs to loans | 0.0473% | 2,537 |
| Credit loss provision to net charge-offs | 264.9007% | 1,058 |
| Earnings coverage of net charge-offs (x) | 27.0940% | 1,468 |
| Efficiency ratio | 74.6105% | 2,273 |
| Assets per employee ($millions) | 6.5696% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 4,406 |
| Loan loss allowance to noncurrent loans | 143.1331% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 3,359 |
| Noncurrent loans to loans | 0.7125% | 2,943 |
| Net loans and leases to total assets | 74.0006% | 1,841 |
| Net loans and leases to deposits | 94.3681% | 1,251 |
| Net loans and leases to core deposits | 96.6098% | 1,925 |
| Total domestic deposits to total assets | 78.4170% | 4,911 |
| Equity capital to assets | 14.0823% | 995 |
| Core capital (leverage) ratio | 13.8522% | 861 |
| Tier 1 risk-based capital ratio | 14.8753% | 3,131 |
| Total risk-based capital ratio | 15.9795% | 3,140 |
| Memoranda: | ||
| Average total assets | $4,273,165,000 | 226 |
| Average earning assets | $4,018,913,330 | 216 |
| Average equity | $619,537,000 | 189 |
| Average total loans | $3,191,204,670 | 217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,047 |
| Cost of funding earning assets | 0.4730% | 2,340 |
| Net interest margin | 3.3010% | 4,214 |
| Noninterest income to average assets | 0.7158% | 1,956 |
| Noninterest expense to average assets | 3.0436% | 2,260 |
| Loan and lease loss provision to assets | 0.0955% | 2,098 |
| Net operating income to assets | 0.4593% | 4,786 |
| Return on assets (ROA) | 1.1299% | 1,901 |
| Pretax return on assets | 1.7029% | 1,060 |
| Return on Equity (ROE) | 7.6769% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.6769% | 1,600 |
| Net charge-offs to loans | 0.0432% | 2,138 |
| Credit loss provision to net charge-offs | 295.8580% | 864 |
| Earnings coverage of net charge-offs (x) | 24.2396% | 1,339 |
| Efficiency ratio | 78.8490% | 1,776 |
| Assets per employee ($millions) | 6.2280% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 4,552 |
| Loan loss allowance to noncurrent loans | 127.7515% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 3,207 |
| Noncurrent loans to loans | 0.7894% | 2,859 |
| Net loans and leases to total assets | 74.3946% | 1,663 |
| Net loans and leases to deposits | 95.6354% | 974 |
| Net loans and leases to core deposits | 97.8806% | 1,645 |
| Total domestic deposits to total assets | 77.7898% | 5,180 |
| Equity capital to assets | 14.0849% | 949 |
| Core capital (leverage) ratio | 13.9710% | 818 |
| Tier 1 risk-based capital ratio | 15.0042% | 3,155 |
| Total risk-based capital ratio | 16.1179% | 3,156 |
| Memoranda: | ||
| Average total assets | $4,189,215,000 | 229 |
| Average earning assets | $3,946,901,500 | 219 |
| Average equity | $616,602,500 | 188 |
| Average total loans | $3,126,668,500 | 220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 4,681 |
| Cost of funding earning assets | 0.4350% | 2,787 |
| Net interest margin | 3.1637% | 4,742 |
| Noninterest income to average assets | 0.7588% | 1,941 |
| Noninterest expense to average assets | 2.9150% | 2,804 |
| Loan and lease loss provision to assets | -0.0510% | 5,751 |
| Net operating income to assets | 0.5929% | 4,306 |
| Return on assets (ROA) | 0.6962% | 3,936 |
| Pretax return on assets | 1.0493% | 3,268 |
| Return on Equity (ROE) | 4.5245% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.5245% | 2,767 |
| Net charge-offs to loans | 0.0959% | 2,462 |
| Credit loss provision to net charge-offs | -70.8717% | 5,094 |
| Earnings coverage of net charge-offs (x) | 11.6921% | 2,542 |
| Efficiency ratio | 77.3815% | 2,066 |
| Assets per employee ($millions) | 6.2825% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,028 |
| Loan loss allowance to noncurrent loans | 152.2973% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 3,468 |
| Noncurrent loans to loans | 0.7251% | 3,008 |
| Net loans and leases to total assets | 73.2185% | 1,849 |
| Net loans and leases to deposits | 97.8719% | 829 |
| Net loans and leases to core deposits | 99.8996% | 1,506 |
| Total domestic deposits to total assets | 74.8106% | 5,570 |
| Equity capital to assets | 15.3853% | 616 |
| Core capital (leverage) ratio | 15.3647% | 554 |
| Tier 1 risk-based capital ratio | 16.7064% | 2,389 |
| Total risk-based capital ratio | 18.0747% | 2,301 |
| Memoranda: | ||
| Average total assets | $3,920,172,200 | 228 |
| Average earning assets | $3,714,790,000 | 218 |
| Average equity | $603,254,000 | 185 |
| Average total loans | $2,943,728,600 | 218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,661 |
| Cost of funding earning assets | 0.4288% | 2,923 |
| Net interest margin | 3.1935% | 4,691 |
| Noninterest income to average assets | 0.7820% | 1,875 |
| Noninterest expense to average assets | 2.8900% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6114% | 4,328 |
| Return on assets (ROA) | 0.6957% | 4,027 |
| Pretax return on assets | 1.0444% | 3,436 |
| Return on Equity (ROE) | 4.5210% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,253 |
| Net charge-offs to loans | 0.0809% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.0627% | 2,208 |
| Efficiency ratio | 75.6631% | 2,294 |
| Assets per employee ($millions) | 6.3504% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,611 |
| Loan loss allowance to noncurrent loans | 140.3275% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 3,280 |
| Noncurrent loans to loans | 0.8602% | 2,826 |
| Net loans and leases to total assets | 73.6373% | 1,797 |
| Net loans and leases to deposits | 101.0442% | 604 |
| Net loans and leases to core deposits | 103.3803% | 1,272 |
| Total domestic deposits to total assets | 72.8763% | 5,800 |
| Equity capital to assets | 15.2320% | 690 |
| Core capital (leverage) ratio | 15.1810% | 606 |
| Tier 1 risk-based capital ratio | 16.3742% | 2,637 |
| Total risk-based capital ratio | 17.7733% | 2,526 |
| Memoranda: | ||
| Average total assets | $3,902,862,750 | 233 |
| Average earning assets | $3,698,879,500 | 224 |
| Average equity | $600,622,250 | 188 |
| Average total loans | $2,941,259,750 | 219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 4,755 |
| Cost of funding earning assets | 0.4207% | 3,034 |
| Net interest margin | 3.1665% | 4,762 |
| Noninterest income to average assets | 0.7604% | 1,948 |
| Noninterest expense to average assets | 2.9166% | 2,834 |
| Loan and lease loss provision to assets | 0.1030% | 2,115 |
| Net operating income to assets | 0.5047% | 4,746 |
| Return on assets (ROA) | 0.5825% | 4,517 |
| Pretax return on assets | 0.8567% | 4,099 |
| Return on Equity (ROE) | 3.7723% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.7723% | 3,605 |
| Net charge-offs to loans | 0.0835% | 2,209 |
| Credit loss provision to net charge-offs | 163.1321% | 1,450 |
| Earnings coverage of net charge-offs (x) | 13.3834% | 2,135 |
| Efficiency ratio | 77.3020% | 2,161 |
| Assets per employee ($millions) | 6.4116% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 3,421 |
| Loan loss allowance to noncurrent loans | 149.7335% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 3,450 |
| Noncurrent loans to loans | 0.8455% | 3,011 |
| Net loans and leases to total assets | 74.8501% | 1,526 |
| Net loans and leases to deposits | 101.1576% | 585 |
| Net loans and leases to core deposits | 103.5789% | 1,216 |
| Total domestic deposits to total assets | 73.9935% | 5,797 |
| Equity capital to assets | 15.2319% | 660 |
| Core capital (leverage) ratio | 15.2355% | 584 |
| Tier 1 risk-based capital ratio | 15.5625% | 3,064 |
| Total risk-based capital ratio | 17.2036% | 2,837 |
| Memoranda: | ||
| Average total assets | $3,882,941,670 | 235 |
| Average earning assets | $3,680,461,670 | 225 |
| Average equity | $599,634,330 | 189 |
| Average total loans | $2,937,138,000 | 221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 4,710 |
| Cost of funding earning assets | 0.4071% | 3,229 |
| Net interest margin | 3.1867% | 4,660 |
| Noninterest income to average assets | 0.6747% | 2,279 |
| Noninterest expense to average assets | 2.9746% | 2,663 |
| Loan and lease loss provision to assets | 0.1043% | 1,964 |
| Net operating income to assets | 0.4177% | 5,008 |
| Return on assets (ROA) | 0.4780% | 4,885 |
| Pretax return on assets | 0.7029% | 4,578 |
| Return on Equity (ROE) | 3.0734% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.0734% | 4,136 |
| Net charge-offs to loans | 0.0764% | 1,940 |
| Credit loss provision to net charge-offs | 180.8318% | 1,123 |
| Earnings coverage of net charge-offs (x) | 12.4539% | 1,797 |
| Efficiency ratio | 80.3029% | 1,862 |
| Assets per employee ($millions) | 6.2504% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,405 |
| Loan loss allowance to noncurrent loans | 154.0792% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 3,547 |
| Noncurrent loans to loans | 0.8436% | 3,136 |
| Net loans and leases to total assets | 74.7156% | 1,397 |
| Net loans and leases to deposits | 98.0580% | 674 |
| Net loans and leases to core deposits | 100.5689% | 1,284 |
| Total domestic deposits to total assets | 76.1954% | 5,719 |
| Equity capital to assets | 15.5884% | 607 |
| Core capital (leverage) ratio | 15.5177% | 532 |
| Tier 1 risk-based capital ratio | 15.8045% | 3,014 |
| Total risk-based capital ratio | 17.4823% | 2,757 |
| Memoranda: | ||
| Average total assets | $3,833,615,500 | 236 |
| Average earning assets | $3,631,351,000 | 224 |
| Average equity | $596,215,500 | 188 |
| Average total loans | $2,896,488,000 | 221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,037 |
| Cost of funding earning assets | 0.3955% | 3,737 |
| Net interest margin | 3.5300% | 3,684 |
| Noninterest income to average assets | 0.7029% | 2,292 |
| Noninterest expense to average assets | 3.0314% | 2,754 |
| Loan and lease loss provision to assets | 0.0597% | 3,335 |
| Net operating income to assets | 0.6457% | 4,166 |
| Return on assets (ROA) | 0.8820% | 3,049 |
| Pretax return on assets | 1.2970% | 2,250 |
| Return on Equity (ROE) | 5.5348% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.5348% | 2,241 |
| Net charge-offs to loans | 0.1069% | 2,980 |
| Credit loss provision to net charge-offs | 74.0741% | 2,980 |
| Earnings coverage of net charge-offs (x) | 12.5215% | 2,362 |
| Efficiency ratio | 74.7431% | 2,711 |
| Assets per employee ($millions) | 6.1465% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,417 |
| Loan loss allowance to noncurrent loans | 142.2254% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 3,465 |
| Noncurrent loans to loans | 0.9145% | 3,031 |
| Net loans and leases to total assets | 74.4283% | 1,511 |
| Net loans and leases to deposits | 100.4207% | 602 |
| Net loans and leases to core deposits | 103.3008% | 1,167 |
| Total domestic deposits to total assets | 74.1165% | 5,940 |
| Equity capital to assets | 15.5159% | 603 |
| Core capital (leverage) ratio | 15.5948% | 518 |
| Tier 1 risk-based capital ratio | 17.4167% | 2,345 |
| Total risk-based capital ratio | 19.1956% | 2,121 |
| Memoranda: | ||
| Average total assets | $3,684,759,400 | 231 |
| Average earning assets | $3,484,158,400 | 219 |
| Average equity | $587,171,200 | 182 |
| Average total loans | $2,777,185,400 | 211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,070 |
| Cost of funding earning assets | 0.3959% | 3,834 |
| Net interest margin | 3.5301% | 3,714 |
| Noninterest income to average assets | 0.7041% | 2,313 |
| Noninterest expense to average assets | 3.0320% | 2,701 |
| Loan and lease loss provision to assets | 0.0803% | 2,741 |
| Net operating income to assets | 0.6192% | 4,356 |
| Return on assets (ROA) | 0.8526% | 3,257 |
| Pretax return on assets | 1.2783% | 2,466 |
| Return on Equity (ROE) | 5.3138% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.3138% | 2,874 |
| Net charge-offs to loans | 0.0622% | 3,321 |
| Credit loss provision to net charge-offs | 171.4731% | 1,442 |
| Earnings coverage of net charge-offs (x) | 21.5651% | 1,669 |
| Efficiency ratio | 74.7193% | 2,700 |
| Assets per employee ($millions) | 5.8925% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,229 |
| Loan loss allowance to noncurrent loans | 142.6358% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 3,551 |
| Noncurrent loans to loans | 0.9743% | 3,129 |
| Net loans and leases to total assets | 75.0270% | 1,359 |
| Net loans and leases to deposits | 98.9459% | 674 |
| Net loans and leases to core deposits | 101.6032% | 1,241 |
| Total domestic deposits to total assets | 75.8262% | 5,841 |
| Equity capital to assets | 16.0407% | 558 |
| Core capital (leverage) ratio | 15.6171% | 524 |
| Tier 1 risk-based capital ratio | 17.8939% | 2,241 |
| Total risk-based capital ratio | 19.7848% | 2,001 |
| Memoranda: | ||
| Average total assets | $3,651,708,000 | 230 |
| Average earning assets | $3,453,034,500 | 219 |
| Average equity | $585,905,250 | 182 |
| Average total loans | $2,751,896,500 | 209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,232 |
| Cost of funding earning assets | 0.3891% | 4,002 |
| Net interest margin | 3.4890% | 3,822 |
| Noninterest income to average assets | 0.6869% | 2,348 |
| Noninterest expense to average assets | 3.0083% | 2,796 |
| Loan and lease loss provision to assets | 0.1210% | 2,030 |
| Net operating income to assets | 0.5626% | 4,531 |
| Return on assets (ROA) | 0.7996% | 3,443 |
| Pretax return on assets | 1.2104% | 2,626 |
| Return on Equity (ROE) | 4.9830% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.9830% | 2,967 |
| Net charge-offs to loans | 0.0382% | 3,458 |
| Credit loss provision to net charge-offs | 422.2649% | 664 |
| Earnings coverage of net charge-offs (x) | 33.9232% | 1,174 |
| Efficiency ratio | 75.2695% | 2,765 |
| Assets per employee ($millions) | 5.8567% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 3,198 |
| Loan loss allowance to noncurrent loans | 142.1338% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 3,650 |
| Noncurrent loans to loans | 1.0061% | 3,225 |
| Net loans and leases to total assets | 74.3960% | 1,389 |
| Net loans and leases to deposits | 94.9740% | 883 |
| Net loans and leases to core deposits | 97.3648% | 1,488 |
| Total domestic deposits to total assets | 78.3330% | 5,576 |
| Equity capital to assets | 15.9805% | 559 |
| Core capital (leverage) ratio | 15.3898% | 546 |
| Tier 1 risk-based capital ratio | 17.6055% | 2,383 |
| Total risk-based capital ratio | 19.6491% | 2,064 |
| Memoranda: | ||
| Average total assets | $3,635,456,670 | 228 |
| Average earning assets | $3,431,927,000 | 218 |
| Average equity | $583,347,330 | 180 |
| Average total loans | $2,730,705,670 | 207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 4,376 |
| Cost of funding earning assets | 0.3728% | 4,281 |
| Net interest margin | 3.4537% | 3,886 |
| Noninterest income to average assets | 0.6658% | 2,369 |
| Noninterest expense to average assets | 3.0216% | 2,796 |
| Loan and lease loss provision to assets | 0.1220% | 1,971 |
| Net operating income to assets | 0.5158% | 4,608 |
| Return on assets (ROA) | 0.7660% | 3,414 |
| Pretax return on assets | 1.1595% | 2,660 |
| Return on Equity (ROE) | 4.7635% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.7635% | 3,257 |
| Net charge-offs to loans | 0.0434% | 2,778 |
| Credit loss provision to net charge-offs | 375.4266% | 679 |
| Earnings coverage of net charge-offs (x) | 27.7645% | 1,100 |
| Efficiency ratio | 76.6893% | 2,695 |
| Assets per employee ($millions) | 5.8407% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 3,471 |
| Loan loss allowance to noncurrent loans | 120.8681% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 3,491 |
| Noncurrent loans to loans | 1.1815% | 3,073 |
| Net loans and leases to total assets | 74.3670% | 1,216 |
| Net loans and leases to deposits | 96.4249% | 626 |
| Net loans and leases to core deposits | 98.6130% | 1,197 |
| Total domestic deposits to total assets | 77.1243% | 5,950 |
| Equity capital to assets | 16.0921% | 515 |
| Core capital (leverage) ratio | 15.5469% | 533 |
| Tier 1 risk-based capital ratio | 17.6033% | 2,446 |
| Total risk-based capital ratio | 19.6567% | 2,113 |
| Memoranda: | ||
| Average total assets | $3,605,406,500 | 228 |
| Average earning assets | $3,401,501,000 | 217 |
| Average equity | $579,737,500 | 180 |
| Average total loans | $2,701,441,000 | 206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 4,214 |
| Cost of funding earning assets | 0.4540% | 4,074 |
| Net interest margin | 3.5118% | 3,846 |
| Noninterest income to average assets | 0.7329% | 2,368 |
| Noninterest expense to average assets | 3.0141% | 3,013 |
| Loan and lease loss provision to assets | 0.0629% | 3,874 |
| Net operating income to assets | 0.6204% | 4,162 |
| Return on assets (ROA) | 0.8458% | 3,136 |
| Pretax return on assets | 1.2804% | 2,231 |
| Return on Equity (ROE) | 5.5854% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.5854% | 2,230 |
| Net charge-offs to loans | 0.0663% | 4,285 |
| Credit loss provision to net charge-offs | 135.6239% | 1,732 |
| Earnings coverage of net charge-offs (x) | 21.5853% | 1,486 |
| Efficiency ratio | 74.7848% | 2,995 |
| Assets per employee ($millions) | 5.7526% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,509 |
| Loan loss allowance to noncurrent loans | 115.0601% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 3,573 |
| Noncurrent loans to loans | 1.2433% | 3,058 |
| Net loans and leases to total assets | 73.3416% | 1,465 |
| Net loans and leases to deposits | 94.4650% | 840 |
| Net loans and leases to core deposits | 96.8460% | 1,393 |
| Total domestic deposits to total assets | 77.6389% | 5,879 |
| Equity capital to assets | 16.0672% | 516 |
| Core capital (leverage) ratio | 15.5981% | 526 |
| Tier 1 risk-based capital ratio | 17.6314% | 2,367 |
| Total risk-based capital ratio | 19.7155% | 2,060 |
| Memoranda: | ||
| Average total assets | $3,574,865,400 | 221 |
| Average earning assets | $3,341,940,000 | 211 |
| Average equity | $541,355,600 | 185 |
| Average total loans | $2,503,771,000 | 206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 4,213 |
| Cost of funding earning assets | 0.4786% | 3,976 |
| Net interest margin | 3.5009% | 3,878 |
| Noninterest income to average assets | 0.7349% | 2,437 |
| Noninterest expense to average assets | 3.0100% | 2,961 |
| Loan and lease loss provision to assets | 0.1213% | 2,779 |
| Net operating income to assets | 0.5873% | 4,406 |
| Return on assets (ROA) | 0.7490% | 3,733 |
| Pretax return on assets | 1.1123% | 3,061 |
| Return on Equity (ROE) | 5.0231% | 4,712 |
| Retained earnings to average equity (ytd only) | 5.0231% | 3,064 |
| Net charge-offs to loans | 0.0355% | 4,430 |
| Credit loss provision to net charge-offs | 496.1832% | 552 |
| Earnings coverage of net charge-offs (x) | 40.5756% | 995 |
| Efficiency ratio | 74.9576% | 2,914 |
| Assets per employee ($millions) | 5.6597% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,017 |
| Loan loss allowance to noncurrent loans | 128.3826% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 3,855 |
| Noncurrent loans to loans | 1.2426% | 3,327 |
| Net loans and leases to total assets | 70.3475% | 1,905 |
| Net loans and leases to deposits | 88.2289% | 1,344 |
| Net loans and leases to core deposits | 90.6719% | 1,908 |
| Total domestic deposits to total assets | 79.7329% | 5,571 |
| Equity capital to assets | 15.5409% | 623 |
| Core capital (leverage) ratio | 15.2293% | 607 |
| Tier 1 risk-based capital ratio | 18.0603% | 2,301 |
| Total risk-based capital ratio | 20.0661% | 2,007 |
| Memoranda: | ||
| Average total assets | $3,571,181,250 | 219 |
| Average earning assets | $3,332,930,750 | 211 |
| Average equity | $532,507,750 | 183 |
| Average total loans | $2,461,993,500 | 204 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,839 |
| Cost of funding earning assets | 0.4999% | 3,902 |
| Net interest margin | 3.5723% | 3,479 |
| Noninterest income to average assets | 0.7436% | 2,446 |
| Noninterest expense to average assets | 2.8942% | 3,353 |
| Loan and lease loss provision to assets | 0.1812% | 2,097 |
| Net operating income to assets | 0.6688% | 3,971 |
| Return on assets (ROA) | 0.8046% | 3,426 |
| Pretax return on assets | 1.2074% | 2,644 |
| Return on Equity (ROE) | 5.4718% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,761 |
| Net charge-offs to loans | 0.0401% | 4,116 |
| Credit loss provision to net charge-offs | 663.2653% | 447 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 873 |
| Efficiency ratio | 70.7393% | 3,687 |
| Assets per employee ($millions) | 5.7537% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 3,133 |
| Loan loss allowance to noncurrent loans | 135.6344% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 4,145 |
| Noncurrent loans to loans | 1.1847% | 3,577 |
| Net loans and leases to total assets | 68.5366% | 2,140 |
| Net loans and leases to deposits | 85.6144% | 1,607 |
| Net loans and leases to core deposits | 88.0374% | 2,103 |
| Total domestic deposits to total assets | 80.0526% | 5,591 |
| Equity capital to assets | 14.8754% | 735 |
| Core capital (leverage) ratio | 14.8812% | 636 |
| Tier 1 risk-based capital ratio | 17.8799% | 2,363 |
| Total risk-based capital ratio | 19.7152% | 2,116 |
| Memoranda: | ||
| Average total assets | $3,586,252,670 | 218 |
| Average earning assets | $3,349,677,670 | 209 |
| Average equity | $527,355,000 | 187 |
| Average total loans | $2,442,444,330 | 205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,719 |
| Cost of funding earning assets | 0.5276% | 3,806 |
| Net interest margin | 3.5745% | 3,366 |
| Noninterest income to average assets | 0.7478% | 2,346 |
| Noninterest expense to average assets | 2.9127% | 3,298 |
| Loan and lease loss provision to assets | 0.1818% | 2,036 |
| Net operating income to assets | 0.6662% | 3,866 |
| Return on assets (ROA) | 0.7954% | 3,325 |
| Pretax return on assets | 1.1935% | 2,600 |
| Return on Equity (ROE) | 5.4408% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.4408% | 2,984 |
| Net charge-offs to loans | 0.0366% | 3,512 |
| Credit loss provision to net charge-offs | 738.6364% | 393 |
| Earnings coverage of net charge-offs (x) | 48.0500% | 693 |
| Efficiency ratio | 70.9299% | 3,805 |
| Assets per employee ($millions) | 6.0338% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 3,165 |
| Loan loss allowance to noncurrent loans | 182.7129% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,867 |
| Noncurrent loans to loans | 0.9088% | 4,321 |
| Net loans and leases to total assets | 64.1526% | 2,676 |
| Net loans and leases to deposits | 79.6703% | 2,123 |
| Net loans and leases to core deposits | 82.0742% | 2,559 |
| Total domestic deposits to total assets | 80.5226% | 5,623 |
| Equity capital to assets | 14.6966% | 829 |
| Core capital (leverage) ratio | 14.8079% | 619 |
| Tier 1 risk-based capital ratio | 19.1171% | 2,008 |
| Total risk-based capital ratio | 20.9645% | 1,819 |
| Memoranda: | ||
| Average total assets | $3,575,604,000 | 223 |
| Average earning assets | $3,348,526,000 | 212 |
| Average equity | $522,714,000 | 192 |
| Average total loans | $2,407,232,500 | 211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 4,203 |
| Cost of funding earning assets | 0.6574% | 3,852 |
| Net interest margin | 3.6396% | 3,920 |
| Noninterest income to average assets | 0.8156% | 2,194 |
| Noninterest expense to average assets | 2.8247% | 3,926 |
| Loan and lease loss provision to assets | 0.1861% | 3,311 |
| Net operating income to assets | 0.8052% | 3,262 |
| Return on assets (ROA) | 0.8089% | 3,496 |
| Pretax return on assets | 1.2139% | 2,756 |
| Return on Equity (ROE) | 5.7009% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.7009% | 2,250 |
| Net charge-offs to loans | 0.2191% | 3,634 |
| Credit loss provision to net charge-offs | 123.1994% | 2,313 |
| Earnings coverage of net charge-offs (x) | 9.2292% | 2,286 |
| Efficiency ratio | 66.6920% | 4,380 |
| Assets per employee ($millions) | 5.9548% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,641 |
| Loan loss allowance to noncurrent loans | 160.5917% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 4,786 |
| Noncurrent loans to loans | 0.9504% | 4,294 |
| Net loans and leases to total assets | 68.3831% | 2,127 |
| Net loans and leases to deposits | 84.8055% | 1,663 |
| Net loans and leases to core deposits | 87.1681% | 2,173 |
| Total domestic deposits to total assets | 80.6352% | 5,501 |
| Equity capital to assets | 14.5401% | 860 |
| Core capital (leverage) ratio | 14.6418% | 644 |
| Tier 1 risk-based capital ratio | 18.3212% | 2,164 |
| Total risk-based capital ratio | 19.9738% | 2,002 |
| Memoranda: | ||
| Average total assets | $3,491,837,000 | 222 |
| Average earning assets | $3,265,426,000 | 212 |
| Average equity | $495,481,000 | 193 |
| Average total loans | $2,407,850,800 | 207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 4,384 |
| Cost of funding earning assets | 0.6740% | 3,983 |
| Net interest margin | 3.6437% | 4,036 |
| Noninterest income to average assets | 0.7859% | 2,298 |
| Noninterest expense to average assets | 2.8403% | 3,838 |
| Loan and lease loss provision to assets | 0.1438% | 3,737 |
| Net operating income to assets | 0.8107% | 3,398 |
| Return on assets (ROA) | 0.7947% | 3,716 |
| Pretax return on assets | 1.1870% | 3,030 |
| Return on Equity (ROE) | 5.6362% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.6362% | 2,933 |
| Net charge-offs to loans | 0.1234% | 4,140 |
| Credit loss provision to net charge-offs | 169.2238% | 1,645 |
| Earnings coverage of net charge-offs (x) | 15.9436% | 1,722 |
| Efficiency ratio | 67.4368% | 4,186 |
| Assets per employee ($millions) | 6.0746% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,570 |
| Loan loss allowance to noncurrent loans | 155.7641% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 4,922 |
| Noncurrent loans to loans | 1.0188% | 4,414 |
| Net loans and leases to total assets | 65.9630% | 2,657 |
| Net loans and leases to deposits | 81.3768% | 2,203 |
| Net loans and leases to core deposits | 84.0815% | 2,684 |
| Total domestic deposits to total assets | 81.0588% | 5,333 |
| Equity capital to assets | 14.1643% | 1,092 |
| Core capital (leverage) ratio | 14.4974% | 708 |
| Tier 1 risk-based capital ratio | 18.4554% | 2,183 |
| Total risk-based capital ratio | 20.0519% | 2,039 |
| Memoranda: | ||
| Average total assets | $3,477,537,000 | 225 |
| Average earning assets | $3,253,577,000 | 215 |
| Average equity | $490,343,000 | 198 |
| Average total loans | $2,393,674,250 | 205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 4,054 |
| Cost of funding earning assets | 0.6914% | 4,083 |
| Net interest margin | 3.7405% | 3,637 |
| Noninterest income to average assets | 0.7441% | 2,448 |
| Noninterest expense to average assets | 2.8511% | 3,824 |
| Loan and lease loss provision to assets | 0.1450% | 3,707 |
| Net operating income to assets | 0.8337% | 3,223 |
| Return on assets (ROA) | 0.8248% | 3,537 |
| Pretax return on assets | 1.2320% | 2,797 |
| Return on Equity (ROE) | 5.8587% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.8587% | 2,798 |
| Net charge-offs to loans | 0.1669% | 3,604 |
| Credit loss provision to net charge-offs | 125.0625% | 2,190 |
| Earnings coverage of net charge-offs (x) | 11.9910% | 1,921 |
| Efficiency ratio | 66.9329% | 4,334 |
| Assets per employee ($millions) | 5.8537% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,974 |
| Loan loss allowance to noncurrent loans | 163.9952% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,076 |
| Noncurrent loans to loans | 0.9198% | 4,661 |
| Net loans and leases to total assets | 69.9879% | 1,919 |
| Net loans and leases to deposits | 86.6723% | 1,521 |
| Net loans and leases to core deposits | 89.8677% | 2,003 |
| Total domestic deposits to total assets | 80.7500% | 5,544 |
| Equity capital to assets | 14.3235% | 971 |
| Core capital (leverage) ratio | 14.5490% | 687 |
| Tier 1 risk-based capital ratio | 17.9644% | 2,301 |
| Total risk-based capital ratio | 19.4367% | 2,207 |
| Memoranda: | ||
| Average total assets | $3,448,120,670 | 226 |
| Average earning assets | $3,223,859,670 | 217 |
| Average equity | $485,434,670 | 198 |
| Average total loans | $2,394,890,330 | 205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 4,854 |
| Cost of funding earning assets | 0.7085% | 4,206 |
| Net interest margin | 3.5611% | 4,437 |
| Noninterest income to average assets | 0.6938% | 2,689 |
| Noninterest expense to average assets | 2.9097% | 3,589 |
| Loan and lease loss provision to assets | 0.1449% | 3,554 |
| Net operating income to assets | 0.6484% | 4,126 |
| Return on assets (ROA) | 0.8323% | 3,468 |
| Pretax return on assets | 1.2432% | 2,754 |
| Return on Equity (ROE) | 5.9637% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.9637% | 2,980 |
| Net charge-offs to loans | 0.1973% | 2,935 |
| Credit loss provision to net charge-offs | 106.9290% | 2,175 |
| Earnings coverage of net charge-offs (x) | 8.2190% | 1,988 |
| Efficiency ratio | 72.0191% | 3,443 |
| Assets per employee ($millions) | 6.1441% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 3,987 |
| Loan loss allowance to noncurrent loans | 70.2666% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,583 |
| Noncurrent loans to loans | 2.1924% | 2,923 |
| Net loans and leases to total assets | 66.4467% | 2,382 |
| Net loans and leases to deposits | 81.7804% | 1,967 |
| Net loans and leases to core deposits | 85.0973% | 2,395 |
| Total domestic deposits to total assets | 81.2501% | 5,535 |
| Equity capital to assets | 13.9379% | 1,048 |
| Core capital (leverage) ratio | 14.5001% | 690 |
| Tier 1 risk-based capital ratio | 18.0034% | 2,287 |
| Total risk-based capital ratio | 19.5673% | 2,170 |
| Memoranda: | ||
| Average total assets | $3,451,193,500 | 226 |
| Average earning assets | $3,226,727,500 | 214 |
| Average equity | $481,646,000 | 198 |
| Average total loans | $2,369,406,000 | 206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 5,567 |
| Cost of funding earning assets | 0.8123% | 4,774 |
| Net interest margin | 3.5490% | 4,941 |
| Noninterest income to average assets | 0.6760% | 2,751 |
| Noninterest expense to average assets | 2.7012% | 4,745 |
| Loan and lease loss provision to assets | 0.1476% | 4,766 |
| Net operating income to assets | 0.7656% | 3,193 |
| Return on assets (ROA) | 0.8335% | 3,061 |
| Pretax return on assets | 1.2450% | 2,314 |
| Return on Equity (ROE) | 5.9607% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.9607% | 2,040 |
| Net charge-offs to loans | 0.6924% | 2,426 |
| Credit loss provision to net charge-offs | 31.0868% | 5,767 |
| Earnings coverage of net charge-offs (x) | 2.7190% | 3,856 |
| Efficiency ratio | 67.2785% | 4,526 |
| Assets per employee ($millions) | 5.9442% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,855 |
| Loan loss allowance to noncurrent loans | 74.6416% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 3,792 |
| Noncurrent loans to loans | 2.0562% | 3,135 |
| Net loans and leases to total assets | 68.7900% | 2,252 |
| Net loans and leases to deposits | 84.9944% | 1,807 |
| Net loans and leases to core deposits | 88.3972% | 2,336 |
| Total domestic deposits to total assets | 80.9348% | 5,469 |
| Equity capital to assets | 13.9746% | 1,072 |
| Core capital (leverage) ratio | 14.3539% | 743 |
| Tier 1 risk-based capital ratio | 17.5557% | 2,362 |
| Total risk-based capital ratio | 18.9378% | 2,276 |
| Memoranda: | ||
| Average total assets | $3,387,021,600 | 225 |
| Average earning assets | $3,164,992,000 | 211 |
| Average equity | $473,618,400 | 191 |
| Average total loans | $2,322,804,600 | 213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 5,881 |
| Cost of funding earning assets | 0.8348% | 4,904 |
| Net interest margin | 3.4868% | 5,238 |
| Noninterest income to average assets | 0.6649% | 2,799 |
| Noninterest expense to average assets | 2.6995% | 4,726 |
| Loan and lease loss provision to assets | 0.1969% | 4,056 |
| Net operating income to assets | 0.6957% | 3,645 |
| Return on assets (ROA) | 0.8500% | 3,094 |
| Pretax return on assets | 1.2556% | 2,442 |
| Return on Equity (ROE) | 6.0779% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.0779% | 2,514 |
| Net charge-offs to loans | 0.8291% | 1,917 |
| Credit loss provision to net charge-offs | 34.7971% | 5,345 |
| Earnings coverage of net charge-offs (x) | 2.1655% | 4,049 |
| Efficiency ratio | 68.3903% | 4,240 |
| Assets per employee ($millions) | 5.9375% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 3,434 |
| Loan loss allowance to noncurrent loans | 79.8625% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 4,007 |
| Noncurrent loans to loans | 2.0704% | 3,278 |
| Net loans and leases to total assets | 66.9715% | 2,677 |
| Net loans and leases to deposits | 82.1436% | 2,332 |
| Net loans and leases to core deposits | 85.7781% | 2,808 |
| Total domestic deposits to total assets | 81.5298% | 5,245 |
| Equity capital to assets | 13.9838% | 1,160 |
| Core capital (leverage) ratio | 14.2217% | 838 |
| Tier 1 risk-based capital ratio | 17.7287% | 2,356 |
| Total risk-based capital ratio | 18.9809% | 2,322 |
| Memoranda: | ||
| Average total assets | $3,385,245,750 | 223 |
| Average earning assets | $3,165,173,250 | 211 |
| Average equity | $473,444,500 | 192 |
| Average total loans | $2,310,702,500 | 212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 6,039 |
| Cost of funding earning assets | 0.8563% | 5,011 |
| Net interest margin | 3.4390% | 5,410 |
| Noninterest income to average assets | 0.6697% | 2,716 |
| Noninterest expense to average assets | 2.7102% | 4,780 |
| Loan and lease loss provision to assets | 0.2215% | 3,702 |
| Net operating income to assets | 0.6455% | 3,821 |
| Return on assets (ROA) | 0.8246% | 3,079 |
| Pretax return on assets | 1.2181% | 2,412 |
| Return on Equity (ROE) | 5.8960% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.8960% | 2,492 |
| Net charge-offs to loans | 1.0942% | 1,443 |
| Credit loss provision to net charge-offs | 29.6372% | 4,999 |
| Earnings coverage of net charge-offs (x) | 1.5735% | 4,111 |
| Efficiency ratio | 69.3455% | 4,249 |
| Assets per employee ($millions) | 6.0184% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 3,462 |
| Loan loss allowance to noncurrent loans | 56.2434% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 3,175 |
| Noncurrent loans to loans | 2.9489% | 2,460 |
| Net loans and leases to total assets | 67.6219% | 2,689 |
| Net loans and leases to deposits | 84.4340% | 2,043 |
| Net loans and leases to core deposits | 87.6844% | 2,681 |
| Total domestic deposits to total assets | 80.0885% | 5,798 |
| Equity capital to assets | 14.2647% | 1,008 |
| Core capital (leverage) ratio | 14.0901% | 853 |
| Tier 1 risk-based capital ratio | 17.3261% | 2,402 |
| Total risk-based capital ratio | 18.9296% | 2,243 |
| Memoranda: | ||
| Average total assets | $3,385,537,670 | 228 |
| Average earning assets | $3,166,674,330 | 214 |
| Average equity | $473,504,670 | 196 |
| Average total loans | $2,312,713,000 | 214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 6,171 |
| Cost of funding earning assets | 0.8764% | 5,083 |
| Net interest margin | 3.3641% | 5,565 |
| Noninterest income to average assets | 0.6579% | 2,789 |
| Noninterest expense to average assets | 2.7385% | 4,682 |
| Loan and lease loss provision to assets | 0.2214% | 3,445 |
| Net operating income to assets | 0.5762% | 4,153 |
| Return on assets (ROA) | 0.7723% | 3,230 |
| Pretax return on assets | 1.1408% | 2,603 |
| Return on Equity (ROE) | 5.5776% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,862 |
| Net charge-offs to loans | 0.0049% | 5,058 |
| Credit loss provision to net charge-offs | 6,696.4286% | 51 |
| Earnings coverage of net charge-offs (x) | 324.7143% | 87 |
| Efficiency ratio | 71.4352% | 3,969 |
| Assets per employee ($millions) | 5.8760% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 2,057 |
| Loan loss allowance to noncurrent loans | 49.3141% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.9808% | 2,314 |
| Noncurrent loans to loans | 4.3767% | 1,613 |
| Net loans and leases to total assets | 66.0629% | 2,991 |
| Net loans and leases to deposits | 82.2712% | 2,315 |
| Net loans and leases to core deposits | 86.3106% | 2,829 |
| Total domestic deposits to total assets | 80.2990% | 5,872 |
| Equity capital to assets | 14.0345% | 1,003 |
| Core capital (leverage) ratio | 13.8810% | 879 |
| Tier 1 risk-based capital ratio | 17.3832% | 2,343 |
| Total risk-based capital ratio | 19.0286% | 2,154 |
| Memoranda: | ||
| Average total assets | $3,387,129,500 | 227 |
| Average earning assets | $3,175,863,000 | 216 |
| Average equity | $469,015,500 | 195 |
| Average total loans | $2,306,176,000 | 213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 6,630 |
| Cost of funding earning assets | 1.0590% | 5,375 |
| Net interest margin | 3.3324% | 5,860 |
| Noninterest income to average assets | 0.6707% | 3,015 |
| Noninterest expense to average assets | 2.6110% | 5,369 |
| Loan and lease loss provision to assets | 0.5481% | 2,945 |
| Net operating income to assets | 0.4518% | 4,308 |
| Return on assets (ROA) | 0.5162% | 4,175 |
| Pretax return on assets | 0.7605% | 3,757 |
| Return on Equity (ROE) | 3.6915% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.6915% | 3,277 |
| Net charge-offs to loans | 0.1293% | 5,604 |
| Credit loss provision to net charge-offs | 603.6835% | 355 |
| Earnings coverage of net charge-offs (x) | 13.3677% | 1,416 |
| Efficiency ratio | 68.1071% | 4,541 |
| Assets per employee ($millions) | 5.8443% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 2,204 |
| Loan loss allowance to noncurrent loans | 49.5766% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8339% | 2,473 |
| Noncurrent loans to loans | 4.1153% | 1,757 |
| Net loans and leases to total assets | 67.2512% | 3,156 |
| Net loans and leases to deposits | 84.2526% | 2,412 |
| Net loans and leases to core deposits | 88.7023% | 2,946 |
| Total domestic deposits to total assets | 79.8209% | 5,882 |
| Equity capital to assets | 13.6598% | 1,138 |
| Core capital (leverage) ratio | 13.9756% | 849 |
| Tier 1 risk-based capital ratio | 17.2384% | 2,250 |
| Total risk-based capital ratio | 18.7861% | 2,125 |
| Memoranda: | ||
| Average total assets | $3,229,133,200 | 234 |
| Average earning assets | $3,056,297,400 | 224 |
| Average equity | $451,579,000 | 197 |
| Average total loans | $2,267,755,800 | 217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 6,780 |
| Cost of funding earning assets | 1.0879% | 5,500 |
| Net interest margin | 3.3357% | 5,904 |
| Noninterest income to average assets | 0.6308% | 3,250 |
| Noninterest expense to average assets | 2.6523% | 5,103 |
| Loan and lease loss provision to assets | 0.7014% | 2,188 |
| Net operating income to assets | 0.2896% | 5,206 |
| Return on assets (ROA) | 0.3422% | 5,174 |
| Pretax return on assets | 0.5240% | 4,840 |
| Return on Equity (ROE) | 2.4321% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.4321% | 4,722 |
| Net charge-offs to loans | 0.1272% | 5,281 |
| Credit loss provision to net charge-offs | 780.2326% | 379 |
| Earnings coverage of net charge-offs (x) | 12.7316% | 1,657 |
| Efficiency ratio | 69.6755% | 4,137 |
| Assets per employee ($millions) | 5.8169% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 2,036 |
| Loan loss allowance to noncurrent loans | 52.8370% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.7796% | 2,606 |
| Noncurrent loans to loans | 3.9479% | 1,910 |
| Net loans and leases to total assets | 68.4535% | 3,114 |
| Net loans and leases to deposits | 85.4539% | 2,444 |
| Net loans and leases to core deposits | 90.3334% | 3,050 |
| Total domestic deposits to total assets | 80.1058% | 5,670 |
| Equity capital to assets | 13.9486% | 1,179 |
| Core capital (leverage) ratio | 14.2358% | 875 |
| Tier 1 risk-based capital ratio | 17.9954% | 2,025 |
| Total risk-based capital ratio | 19.3671% | 1,951 |
| Memoranda: | ||
| Average total assets | $3,188,998,000 | 233 |
| Average earning assets | $3,026,697,000 | 221 |
| Average equity | $448,718,000 | 195 |
| Average total loans | $2,252,926,500 | 217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 6,833 |
| Cost of funding earning assets | 1.1142% | 5,601 |
| Net interest margin | 3.3183% | 5,948 |
| Noninterest income to average assets | 0.6146% | 3,230 |
| Noninterest expense to average assets | 2.5969% | 5,338 |
| Loan and lease loss provision to assets | 0.1167% | 5,729 |
| Net operating income to assets | 0.6939% | 3,426 |
| Return on assets (ROA) | 0.7275% | 3,442 |
| Pretax return on assets | 1.1139% | 2,735 |
| Return on Equity (ROE) | 5.1550% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.1550% | 2,812 |
| Net charge-offs to loans | 0.1226% | 4,959 |
| Credit loss provision to net charge-offs | 134.2525% | 2,990 |
| Earnings coverage of net charge-offs (x) | 13.5602% | 1,582 |
| Efficiency ratio | 68.5548% | 4,468 |
| Assets per employee ($millions) | 5.4614% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 4,119 |
| Loan loss allowance to noncurrent loans | 94.1091% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 4,877 |
| Noncurrent loans to loans | 1.5520% | 4,386 |
| Net loans and leases to total assets | 70.3068% | 2,836 |
| Net loans and leases to deposits | 87.9508% | 2,177 |
| Net loans and leases to core deposits | 92.8881% | 2,863 |
| Total domestic deposits to total assets | 79.9389% | 5,747 |
| Equity capital to assets | 14.1088% | 1,129 |
| Core capital (leverage) ratio | 14.2386% | 865 |
| Tier 1 risk-based capital ratio | 18.7157% | 1,787 |
| Total risk-based capital ratio | 19.9671% | 1,758 |
| Memoranda: | ||
| Average total assets | $3,170,059,330 | 234 |
| Average earning assets | $3,019,948,670 | 226 |
| Average equity | $447,375,330 | 197 |
| Average total loans | $2,247,499,330 | 219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 7,037 |
| Cost of funding earning assets | 1.1513% | 5,651 |
| Net interest margin | 3.2216% | 6,225 |
| Noninterest income to average assets | 0.6019% | 3,266 |
| Noninterest expense to average assets | 2.5949% | 5,379 |
| Loan and lease loss provision to assets | 0.1170% | 5,438 |
| Net operating income to assets | 0.6291% | 3,764 |
| Return on assets (ROA) | 0.7006% | 3,552 |
| Pretax return on assets | 1.0729% | 2,829 |
| Return on Equity (ROE) | 4.9636% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.9636% | 3,177 |
| Net charge-offs to loans | 0.0474% | 4,929 |
| Credit loss provision to net charge-offs | 349.0566% | 1,159 |
| Earnings coverage of net charge-offs (x) | 32.2264% | 828 |
| Efficiency ratio | 70.3407% | 4,236 |
| Assets per employee ($millions) | 5.7259% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,892 |
| Loan loss allowance to noncurrent loans | 328.9855% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,689 |
| Noncurrent loans to loans | 0.4570% | 6,382 |
| Net loans and leases to total assets | 67.8155% | 3,437 |
| Net loans and leases to deposits | 84.5194% | 2,850 |
| Net loans and leases to core deposits | 89.8362% | 3,382 |
| Total domestic deposits to total assets | 80.2367% | 5,707 |
| Equity capital to assets | 13.9734% | 1,149 |
| Core capital (leverage) ratio | 14.4640% | 859 |
| Tier 1 risk-based capital ratio | 19.4708% | 1,619 |
| Total risk-based capital ratio | 20.8794% | 1,564 |
| Memoranda: | ||
| Average total assets | $3,163,093,500 | 244 |
| Average earning assets | $3,017,172,500 | 232 |
| Average equity | $446,451,000 | 196 |
| Average total loans | $2,235,377,000 | 229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 6,848 |
| Cost of funding earning assets | 1.5372% | 5,351 |
| Net interest margin | 3.3086% | 5,706 |
| Noninterest income to average assets | 0.6616% | 3,210 |
| Noninterest expense to average assets | 2.6923% | 5,426 |
| Loan and lease loss provision to assets | 0.1844% | 5,862 |
| Net operating income to assets | 0.6260% | 3,231 |
| Return on assets (ROA) | 1.0533% | 1,695 |
| Pretax return on assets | 1.5627% | 1,046 |
| Return on Equity (ROE) | 7.4678% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.4678% | 829 |
| Net charge-offs to loans | -0.0013% | 7,686 |
| Credit loss provision to net charge-offs | -17,741.9355% | 7,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5855% | 4,510 |
| Assets per employee ($millions) | 5.5402% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,958 |
| Loan loss allowance to noncurrent loans | 194.0151% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 6,088 |
| Noncurrent loans to loans | 0.7489% | 5,766 |
| Net loans and leases to total assets | 71.5073% | 2,884 |
| Net loans and leases to deposits | 89.7956% | 2,243 |
| Net loans and leases to core deposits | 107.1565% | 3,194 |
| Total domestic deposits to total assets | 79.6334% | 5,800 |
| Equity capital to assets | 14.2608% | 1,092 |
| Core capital (leverage) ratio | 14.5141% | 877 |
| Tier 1 risk-based capital ratio | 19.0497% | 1,645 |
| Total risk-based capital ratio | 20.4004% | 1,586 |
| Memoranda: | ||
| Average total assets | $2,981,939,200 | 251 |
| Average earning assets | $2,830,148,600 | 237 |
| Average equity | $420,593,200 | 206 |
| Average total loans | $2,308,426,600 | 230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 6,820 |
| Cost of funding earning assets | 1.6264% | 5,279 |
| Net interest margin | 3.3023% | 5,631 |
| Noninterest income to average assets | 0.6636% | 3,266 |
| Noninterest expense to average assets | 2.7073% | 5,293 |
| Loan and lease loss provision to assets | 0.1220% | 6,140 |
| Net operating income to assets | 0.6421% | 3,438 |
| Return on assets (ROA) | 1.2138% | 1,492 |
| Pretax return on assets | 1.8200% | 769 |
| Return on Equity (ROE) | 8.6307% | 2,398 |
| Retained earnings to average equity (ytd only) | 8.6307% | 934 |
| Net charge-offs to loans | 0.0595% | 6,110 |
| Credit loss provision to net charge-offs | 260.3664% | 1,640 |
| Earnings coverage of net charge-offs (x) | 23.2430% | 1,129 |
| Efficiency ratio | 71.0733% | 4,409 |
| Assets per employee ($millions) | 5.5773% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,741 |
| Loan loss allowance to noncurrent loans | 854.0420% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 7,274 |
| Noncurrent loans to loans | 0.1478% | 7,107 |
| Net loans and leases to total assets | 73.0379% | 2,782 |
| Net loans and leases to deposits | 91.9657% | 2,235 |
| Net loans and leases to core deposits | 110.1851% | 3,216 |
| Total domestic deposits to total assets | 79.4187% | 5,651 |
| Equity capital to assets | 14.0192% | 1,300 |
| Core capital (leverage) ratio | 14.5702% | 941 |
| Tier 1 risk-based capital ratio | 18.8313% | 1,787 |
| Total risk-based capital ratio | 20.0880% | 1,744 |
| Memoranda: | ||
| Average total assets | $2,951,791,000 | 261 |
| Average earning assets | $2,799,939,250 | 247 |
| Average equity | $415,129,750 | 211 |
| Average total loans | $2,322,721,750 | 237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 6,662 |
| Cost of funding earning assets | 1.6949% | 5,293 |
| Net interest margin | 3.3402% | 5,402 |
| Noninterest income to average assets | 0.6754% | 3,149 |
| Noninterest expense to average assets | 2.6660% | 5,496 |
| Loan and lease loss provision to assets | 0.1239% | 5,868 |
| Net operating income to assets | 0.6885% | 3,305 |
| Return on assets (ROA) | 0.7806% | 3,024 |
| Pretax return on assets | 1.1852% | 2,343 |
| Return on Equity (ROE) | 5.5446% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.5446% | 2,229 |
| Net charge-offs to loans | 0.0696% | 5,537 |
| Credit loss provision to net charge-offs | 221.4022% | 2,075 |
| Earnings coverage of net charge-offs (x) | 20.8991% | 1,291 |
| Efficiency ratio | 69.2364% | 4,939 |
| Assets per employee ($millions) | 5.4129% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,878 |
| Loan loss allowance to noncurrent loans | 2,238.8712% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 7,496 |
| Noncurrent loans to loans | 0.0540% | 7,399 |
| Net loans and leases to total assets | 77.6493% | 1,827 |
| Net loans and leases to deposits | 98.1679% | 1,496 |
| Net loans and leases to core deposits | 118.9228% | 2,461 |
| Total domestic deposits to total assets | 79.0985% | 5,787 |
| Equity capital to assets | 14.1087% | 1,271 |
| Core capital (leverage) ratio | 14.6565% | 985 |
| Tier 1 risk-based capital ratio | 18.0462% | 2,010 |
| Total risk-based capital ratio | 19.3047% | 1,942 |
| Memoranda: | ||
| Average total assets | $2,905,786,000 | 274 |
| Average earning assets | $2,749,067,330 | 258 |
| Average equity | $409,118,000 | 217 |
| Average total loans | $2,335,105,330 | 245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 6,683 |
| Cost of funding earning assets | 1.7554% | 5,331 |
| Net interest margin | 3.3332% | 5,389 |
| Noninterest income to average assets | 0.6353% | 3,311 |
| Noninterest expense to average assets | 2.5218% | 5,758 |
| Loan and lease loss provision to assets | 0.1252% | 5,356 |
| Net operating income to assets | 0.7515% | 3,345 |
| Return on assets (ROA) | 0.6652% | 3,908 |
| Pretax return on assets | 1.0099% | 3,316 |
| Return on Equity (ROE) | 4.7297% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.7297% | 3,278 |
| Net charge-offs to loans | 0.1036% | 4,142 |
| Credit loss provision to net charge-offs | 148.7603% | 2,808 |
| Earnings coverage of net charge-offs (x) | 15.0413% | 1,628 |
| Efficiency ratio | 66.2235% | 5,287 |
| Assets per employee ($millions) | 5.4862% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 4,939 |
| Loan loss allowance to noncurrent loans | 2,235.3946% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 7,481 |
| Noncurrent loans to loans | 0.0527% | 7,389 |
| Net loans and leases to total assets | 79.5195% | 1,471 |
| Net loans and leases to deposits | 100.4236% | 1,349 |
| Net loans and leases to core deposits | 122.3438% | 2,227 |
| Total domestic deposits to total assets | 79.1841% | 5,650 |
| Equity capital to assets | 13.9680% | 1,375 |
| Core capital (leverage) ratio | 14.6353% | 1,048 |
| Tier 1 risk-based capital ratio | 17.4887% | 2,190 |
| Total risk-based capital ratio | 18.6431% | 2,158 |
| Memoranda: | ||
| Average total assets | $2,875,544,500 | 277 |
| Average earning assets | $2,719,589,500 | 263 |
| Average equity | $404,426,500 | 218 |
| Average total loans | $2,336,932,000 | 246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 7,160 |
| Cost of funding earning assets | 2.1653% | 5,756 |
| Net interest margin | 3.4021% | 5,654 |
| Noninterest income to average assets | 0.6830% | 3,228 |
| Noninterest expense to average assets | 2.4405% | 6,254 |
| Loan and lease loss provision to assets | 0.1045% | 6,042 |
| Net operating income to assets | 0.9103% | 2,957 |
| Return on assets (ROA) | 0.7586% | 3,466 |
| Pretax return on assets | 1.1516% | 2,829 |
| Return on Equity (ROE) | 4.9543% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.9543% | 2,055 |
| Net charge-offs to loans | 0.0631% | 5,872 |
| Credit loss provision to net charge-offs | 206.2589% | 2,351 |
| Earnings coverage of net charge-offs (x) | 29.3193% | 1,185 |
| Efficiency ratio | 61.9058% | 5,971 |
| Assets per employee ($millions) | 5.3856% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,848 |
| Loan loss allowance to noncurrent loans | 3,571.3535% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 7,490 |
| Noncurrent loans to loans | 0.0325% | 7,378 |
| Net loans and leases to total assets | 81.1302% | 1,408 |
| Net loans and leases to deposits | 103.7372% | 1,369 |
| Net loans and leases to core deposits | 126.5096% | 2,126 |
| Total domestic deposits to total assets | 78.2074% | 5,643 |
| Equity capital to assets | 14.1621% | 1,383 |
| Core capital (leverage) ratio | 14.7372% | 1,084 |
| Tier 1 risk-based capital ratio | 17.3267% | 2,223 |
| Total risk-based capital ratio | 18.5212% | 2,189 |
| Memoranda: | ||
| Average total assets | $2,774,034,600 | 273 |
| Average earning assets | $2,644,664,200 | 260 |
| Average equity | $424,741,800 | 217 |
| Average total loans | $2,227,328,600 | 253 |