Home > Middlesex Savings Bank > Performance and Condition Ratios
Middlesex Savings 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 | 3.9332% | 4,046 |
| Cost of funding earning assets | 1.8176% | 1,219 |
| Net interest margin | 2.1156% | 4,363 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9077% | 3,818 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.2143% | 4,150 |
| Return on assets (ROA) | 0.2327% | 4,133 |
| Pretax return on assets | 0.2547% | 4,136 |
| Return on Equity (ROE) | 2.3300% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.2601% | 3,513 |
| Net charge-offs to loans | 0.0491% | 1,379 |
| Credit loss provision to net charge-offs | 335.9606% | 878 |
| Earnings coverage of net charge-offs (x) | 11.1834% | 2,203 |
| Efficiency ratio | 85.3553% | 595 |
| Assets per employee ($millions) | 12.8240% | 340 |
| Cash dividends to net income (ytd only)* | 3.0975% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,456 |
| Loan loss allowance to noncurrent loans | 135.0963% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 1,300 |
| Noncurrent loans to loans | 0.7184% | 1,087 |
| Net loans and leases to total assets | 58.9900% | 2,947 |
| Net loans and leases to deposits | 75.6072% | 2,490 |
| Net loans and leases to core deposits | 83.6817% | 2,480 |
| Total domestic deposits to total assets | 78.0200% | 3,723 |
| Equity capital to assets | 10.3815% | 1,793 |
| Core capital (leverage) ratio | 12.0250% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9381% | 1,087 |
| Memoranda: | ||
| Average total assets | $6,242,240,000 | 236 |
| Average earning assets | $5,841,020,000 | 229 |
| Average equity | $622,897,000 | 227 |
| Average total loans | $3,721,695,000 | 252 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,048 |
| Cost of funding earning assets | 1.6997% | 1,188 |
| Net interest margin | 2.1659% | 4,372 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8876% | 3,827 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.3532% | 4,043 |
| Return on assets (ROA) | 0.3507% | 4,049 |
| Pretax return on assets | 0.4161% | 4,039 |
| Return on Equity (ROE) | 3.5500% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,399 |
| Net charge-offs to loans | -0.0022% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.7837% | 683 |
| Assets per employee ($millions) | 12.2493% | 351 |
| Cash dividends to net income (ytd only)* | 2.7479% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 3,939 |
| Loan loss allowance to noncurrent loans | 830.7549% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,220 |
| Noncurrent loans to loans | 0.0990% | 3,084 |
| Net loans and leases to total assets | 60.0300% | 2,843 |
| Net loans and leases to deposits | 76.9248% | 2,343 |
| Net loans and leases to core deposits | 84.3330% | 2,308 |
| Total domestic deposits to total assets | 78.0400% | 3,811 |
| Equity capital to assets | 9.8565% | 1,909 |
| Core capital (leverage) ratio | 12.1511% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6106% | 1,176 |
| Memoranda: | ||
| Average total assets | $6,225,449,250 | 238 |
| Average earning assets | $5,826,252,000 | 230 |
| Average equity | $614,869,250 | 231 |
| Average total loans | $3,712,485,750 | 257 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,041 |
| Cost of funding earning assets | 1.5656% | 1,135 |
| Net interest margin | 2.2200% | 4,406 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.8754% | 3,868 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.3042% | 4,149 |
| Return on assets (ROA) | 0.2950% | 4,190 |
| Pretax return on assets | 0.3416% | 4,189 |
| Return on Equity (ROE) | 2.9800% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.8380% | 3,525 |
| Net charge-offs to loans | -0.0040% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.4532% | 814 |
| Assets per employee ($millions) | 12.4806% | 334 |
| Cash dividends to net income (ytd only)* | 4.9100% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,650 |
| Loan loss allowance to noncurrent loans | 767.2078% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,027 |
| Noncurrent loans to loans | 0.1229% | 2,862 |
| Net loans and leases to total assets | 59.9300% | 2,774 |
| Net loans and leases to deposits | 76.4125% | 2,269 |
| Net loans and leases to core deposits | 82.4652% | 2,294 |
| Total domestic deposits to total assets | 78.4400% | 3,795 |
| Equity capital to assets | 9.8989% | 1,917 |
| Core capital (leverage) ratio | 11.9785% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5266% | 1,211 |
| Memoranda: | ||
| Average total assets | $6,214,140,667 | 230 |
| Average earning assets | $5,817,751,000 | 225 |
| Average equity | $614,174,333 | 228 |
| Average total loans | $3,687,092,667 | 249 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,000 |
| Cost of funding earning assets | 1.3498% | 1,133 |
| Net interest margin | 2.3658% | 4,407 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.9176% | 3,819 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.3075% | 4,241 |
| Return on assets (ROA) | 0.2635% | 4,262 |
| Pretax return on assets | 0.3021% | 4,262 |
| Return on Equity (ROE) | 2.6700% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.6680% | 3,571 |
| Net charge-offs to loans | 0.0069% | 1,695 |
| Credit loss provision to net charge-offs | 4,123.8095% | 106 |
| Earnings coverage of net charge-offs (x) | 128.1905% | 676 |
| Efficiency ratio | 78.6705% | 937 |
| Assets per employee ($millions) | 12.5707% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,723 |
| Loan loss allowance to noncurrent loans | 519.3056% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,776 |
| Noncurrent loans to loans | 0.1824% | 2,569 |
| Net loans and leases to total assets | 58.3000% | 2,842 |
| Net loans and leases to deposits | 73.3283% | 2,357 |
| Net loans and leases to core deposits | 78.2264% | 2,375 |
| Total domestic deposits to total assets | 79.5100% | 3,830 |
| Equity capital to assets | 10.0386% | 1,804 |
| Core capital (leverage) ratio | 11.9095% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6556% | 1,221 |
| Memoranda: | ||
| Average total assets | $6,213,529,500 | 238 |
| Average earning assets | $5,814,289,000 | 233 |
| Average equity | $613,636,500 | 233 |
| Average total loans | $3,650,334,000 | 255 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8738% | 4,265 |
| Cost of funding earning assets | 0.4523% | 1,709 |
| Net interest margin | 2.4215% | 4,349 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8132% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5242% | 4,045 |
| Return on assets (ROA) | 0.4383% | 4,158 |
| Pretax return on assets | 0.5620% | 4,089 |
| Return on Equity (ROE) | 4.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.2052% | 3,328 |
| Net charge-offs to loans | -0.0079% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9972% | 1,327 |
| Assets per employee ($millions) | 13.0622% | 299 |
| Cash dividends to net income (ytd only)* | 0.7465% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 3,734 |
| Loan loss allowance to noncurrent loans | 507.1122% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 2,791 |
| Noncurrent loans to loans | 0.1793% | 2,588 |
| Net loans and leases to total assets | 58.1000% | 2,813 |
| Net loans and leases to deposits | 70.3626% | 2,553 |
| Net loans and leases to core deposits | 74.1726% | 2,554 |
| Total domestic deposits to total assets | 82.5800% | 3,519 |
| Equity capital to assets | 9.7126% | 1,880 |
| Core capital (leverage) ratio | 11.9822% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5273% | 1,227 |
| Memoranda: | ||
| Average total assets | $6,113,069,600 | 236 |
| Average earning assets | $5,747,839,000 | 227 |
| Average equity | $632,366,200 | 227 |
| Average total loans | $3,325,083,800 | 259 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6641% | 4,325 |
| Cost of funding earning assets | 0.3107% | 2,053 |
| Net interest margin | 2.3534% | 4,368 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.8004% | 3,988 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.5065% | 4,056 |
| Return on assets (ROA) | 0.3857% | 4,211 |
| Pretax return on assets | 0.4977% | 4,151 |
| Return on Equity (ROE) | 3.6700% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.6298% | 3,576 |
| Net charge-offs to loans | -0.0099% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.4525% | 1,233 |
| Assets per employee ($millions) | 12.4673% | 341 |
| Cash dividends to net income (ytd only)* | 1.1352% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 3,815 |
| Loan loss allowance to noncurrent loans | 318.4542% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,492 |
| Noncurrent loans to loans | 0.2867% | 2,219 |
| Net loans and leases to total assets | 55.6200% | 2,940 |
| Net loans and leases to deposits | 65.8888% | 2,729 |
| Net loans and leases to core deposits | 69.1159% | 2,713 |
| Total domestic deposits to total assets | 84.4100% | 3,405 |
| Equity capital to assets | 9.5351% | 1,857 |
| Core capital (leverage) ratio | 11.9667% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6510% | 1,250 |
| Memoranda: | ||
| Average total assets | $6,090,199,500 | 241 |
| Average earning assets | $5,734,619,750 | 229 |
| Average equity | $639,802,250 | 227 |
| Average total loans | $3,246,809,750 | 264 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4465% | 4,422 |
| Cost of funding earning assets | 0.2131% | 2,730 |
| Net interest margin | 2.2335% | 4,395 |
| Noninterest income to average assets | 0.1993% | 4,001 |
| Noninterest expense to average assets | 1.7914% | 3,977 |
| Loan and lease loss provision to assets | -0.0330% | 4,474 |
| Net operating income to assets | 0.4331% | 4,045 |
| Return on assets (ROA) | 0.2536% | 4,316 |
| Pretax return on assets | 0.3246% | 4,267 |
| Return on Equity (ROE) | 2.3407% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.2799% | 3,675 |
| Net charge-offs to loans | -0.0023% | 3,162 |
| Credit loss provision to net charge-offs | 2,702.7027% | 195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5408% | 1,125 |
| Assets per employee ($millions) | 12.2193% | 355 |
| Cash dividends to net income (ytd only)* | 2.5998% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,745 |
| Loan loss allowance to noncurrent loans | 142.5140% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 1,508 |
| Noncurrent loans to loans | 0.6775% | 1,276 |
| Net loans and leases to total assets | 54.2447% | 2,935 |
| Net loans and leases to deposits | 62.1470% | 2,880 |
| Net loans and leases to core deposits | 65.3102% | 2,871 |
| Total domestic deposits to total assets | 87.2845% | 2,835 |
| Equity capital to assets | 10.2813% | 1,545 |
| Core capital (leverage) ratio | 12.1352% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0157% | 1,185 |
| Memoranda: | ||
| Average total assets | $6,067,309,667 | 238 |
| Average earning assets | $5,734,562,333 | 228 |
| Average equity | $657,317,667 | 220 |
| Average total loans | $3,176,711,333 | 266 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3218% | 4,440 |
| Cost of funding earning assets | 0.1769% | 3,124 |
| Net interest margin | 2.1449% | 4,403 |
| Noninterest income to average assets | 0.1684% | 4,158 |
| Noninterest expense to average assets | 1.8414% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3019% | 4,140 |
| Return on assets (ROA) | 0.1470% | 4,376 |
| Pretax return on assets | 0.1752% | 4,354 |
| Return on Equity (ROE) | 1.3231% | 4,370 |
| Retained earnings to average equity (ytd only) | 1.3231% | 3,741 |
| Net charge-offs to loans | 0.0021% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 342.1875% | 286 |
| Efficiency ratio | 83.6592% | 873 |
| Assets per employee ($millions) | 12.3444% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,549 |
| Loan loss allowance to noncurrent loans | 140.6353% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,556 |
| Noncurrent loans to loans | 0.7432% | 1,285 |
| Net loans and leases to total assets | 51.6631% | 3,014 |
| Net loans and leases to deposits | 58.6783% | 3,014 |
| Net loans and leases to core deposits | 61.7072% | 2,998 |
| Total domestic deposits to total assets | 88.0447% | 2,502 |
| Equity capital to assets | 10.7488% | 1,467 |
| Core capital (leverage) ratio | 11.9981% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7603% | 1,093 |
| Memoranda: | ||
| Average total assets | $6,088,915,000 | 237 |
| Average earning assets | $5,770,415,000 | 230 |
| Average equity | $676,298,500 | 218 |
| Average total loans | $3,115,260,000 | 272 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 4,501 |
| Cost of funding earning assets | 0.2299% | 3,136 |
| Net interest margin | 2.2423% | 4,463 |
| Noninterest income to average assets | 0.2995% | 3,606 |
| Noninterest expense to average assets | 1.8113% | 4,126 |
| Loan and lease loss provision to assets | -0.0756% | 4,468 |
| Net operating income to assets | 0.5760% | 3,929 |
| Return on assets (ROA) | 0.5595% | 4,010 |
| Pretax return on assets | 0.6715% | 3,989 |
| Return on Equity (ROE) | 4.8359% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.7778% | 2,878 |
| Net charge-offs to loans | 0.0003% | 2,697 |
| Credit loss provision to net charge-offs | -56,250.0000% | 4,292 |
| Earnings coverage of net charge-offs (x) | 4,581.0000% | 25 |
| Efficiency ratio | 74.6286% | 1,239 |
| Assets per employee ($millions) | 12.6354% | 342 |
| Cash dividends to net income (ytd only)* | 1.2013% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,514 |
| Loan loss allowance to noncurrent loans | 89.1272% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 1,101 |
| Noncurrent loans to loans | 1.1911% | 806 |
| Net loans and leases to total assets | 49.6107% | 3,337 |
| Net loans and leases to deposits | 56.9137% | 3,346 |
| Net loans and leases to core deposits | 59.8360% | 3,327 |
| Total domestic deposits to total assets | 87.1684% | 2,443 |
| Equity capital to assets | 11.4563% | 1,530 |
| Core capital (leverage) ratio | 11.8614% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0379% | 1,035 |
| Memoranda: | ||
| Average total assets | $5,951,353,800 | 231 |
| Average earning assets | $5,647,050,600 | 225 |
| Average equity | $688,563,400 | 217 |
| Average total loans | $3,197,877,200 | 257 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4957% | 4,569 |
| Cost of funding earning assets | 0.2442% | 3,173 |
| Net interest margin | 2.2515% | 4,527 |
| Noninterest income to average assets | 0.2834% | 3,748 |
| Noninterest expense to average assets | 1.8288% | 4,111 |
| Loan and lease loss provision to assets | 0.0113% | 2,763 |
| Net operating income to assets | 0.4697% | 4,257 |
| Return on assets (ROA) | 0.4716% | 4,294 |
| Pretax return on assets | 0.5814% | 4,257 |
| Return on Equity (ROE) | 4.0656% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.9876% | 3,579 |
| Net charge-offs to loans | -0.0253% | 4,067 |
| Credit loss provision to net charge-offs | -81.8331% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5974% | 1,064 |
| Assets per employee ($millions) | 11.9213% | 377 |
| Cash dividends to net income (ytd only)* | 1.9175% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,903 |
| Loan loss allowance to noncurrent loans | 85.4165% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 979 |
| Noncurrent loans to loans | 1.4265% | 746 |
| Net loans and leases to total assets | 51.6617% | 3,228 |
| Net loans and leases to deposits | 59.2994% | 3,297 |
| Net loans and leases to core deposits | 62.4981% | 3,265 |
| Total domestic deposits to total assets | 87.1201% | 2,308 |
| Equity capital to assets | 11.4823% | 1,695 |
| Core capital (leverage) ratio | 11.8715% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9657% | 1,138 |
| Memoranda: | ||
| Average total assets | $5,897,671,250 | 236 |
| Average earning assets | $5,594,393,250 | 226 |
| Average equity | $684,103,250 | 220 |
| Average total loans | $3,224,381,750 | 258 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4770% | 4,635 |
| Cost of funding earning assets | 0.2632% | 3,161 |
| Net interest margin | 2.2138% | 4,587 |
| Noninterest income to average assets | 0.2697% | 3,787 |
| Noninterest expense to average assets | 1.8372% | 4,103 |
| Loan and lease loss provision to assets | 0.0854% | 1,437 |
| Net operating income to assets | 0.3712% | 4,436 |
| Return on assets (ROA) | 0.3857% | 4,449 |
| Pretax return on assets | 0.4625% | 4,440 |
| Return on Equity (ROE) | 3.3133% | 4,427 |
| Retained earnings to average equity (ytd only) | 3.1958% | 3,778 |
| Net charge-offs to loans | -0.0269% | 4,113 |
| Credit loss provision to net charge-offs | -572.0824% | 3,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5946% | 946 |
| Assets per employee ($millions) | 11.3953% | 414 |
| Cash dividends to net income (ytd only)* | 3.5442% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,657 |
| Loan loss allowance to noncurrent loans | 86.9622% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 1,043 |
| Noncurrent loans to loans | 1.4449% | 801 |
| Net loans and leases to total assets | 53.4019% | 3,207 |
| Net loans and leases to deposits | 61.2003% | 3,284 |
| Net loans and leases to core deposits | 64.6893% | 3,222 |
| Total domestic deposits to total assets | 87.2576% | 2,190 |
| Equity capital to assets | 11.5594% | 1,596 |
| Core capital (leverage) ratio | 11.8478% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9193% | 1,143 |
| Memoranda: | ||
| Average total assets | $5,852,842,333 | 236 |
| Average earning assets | $5,546,361,000 | 224 |
| Average equity | $681,261,667 | 218 |
| Average total loans | $3,247,591,333 | 257 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4906% | 4,650 |
| Cost of funding earning assets | 0.2839% | 3,157 |
| Net interest margin | 2.2067% | 4,608 |
| Noninterest income to average assets | 0.2366% | 3,976 |
| Noninterest expense to average assets | 1.7919% | 4,232 |
| Loan and lease loss provision to assets | 0.1719% | 721 |
| Net operating income to assets | 0.3116% | 4,499 |
| Return on assets (ROA) | 0.2883% | 4,568 |
| Pretax return on assets | 0.3368% | 4,559 |
| Return on Equity (ROE) | 2.4680% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.4680% | 3,920 |
| Net charge-offs to loans | -0.0370% | 4,274 |
| Credit loss provision to net charge-offs | -827.8146% | 3,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9801% | 1,038 |
| Assets per employee ($millions) | 11.3313% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,757 |
| Loan loss allowance to noncurrent loans | 85.2766% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,113 |
| Noncurrent loans to loans | 1.4437% | 875 |
| Net loans and leases to total assets | 54.7478% | 3,167 |
| Net loans and leases to deposits | 63.0420% | 3,217 |
| Net loans and leases to core deposits | 66.7873% | 3,172 |
| Total domestic deposits to total assets | 86.8435% | 2,372 |
| Equity capital to assets | 11.5162% | 1,534 |
| Core capital (leverage) ratio | 12.0537% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0744% | 1,060 |
| Memoranda: | ||
| Average total assets | $5,816,475,500 | 238 |
| Average earning assets | $5,511,834,500 | 228 |
| Average equity | $679,412,000 | 218 |
| Average total loans | $3,269,069,000 | 255 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 4,607 |
| Cost of funding earning assets | 0.5339% | 2,725 |
| Net interest margin | 2.5003% | 4,593 |
| Noninterest income to average assets | 0.2906% | 3,745 |
| Noninterest expense to average assets | 2.0099% | 4,121 |
| Loan and lease loss provision to assets | 0.1847% | 2,105 |
| Net operating income to assets | 0.3875% | 4,273 |
| Return on assets (ROA) | 0.4052% | 4,318 |
| Pretax return on assets | 0.4820% | 4,298 |
| Return on Equity (ROE) | 3.2722% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.1902% | 3,233 |
| Net charge-offs to loans | 0.0004% | 3,430 |
| Credit loss provision to net charge-offs | 76,923.0769% | 11 |
| Earnings coverage of net charge-offs (x) | 2,689.3077% | 34 |
| Efficiency ratio | 75.6884% | 1,270 |
| Assets per employee ($millions) | 10.8324% | 412 |
| Cash dividends to net income (ytd only)* | 2.5067% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,263 |
| Loan loss allowance to noncurrent loans | 77.8211% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 1,200 |
| Noncurrent loans to loans | 1.4632% | 918 |
| Net loans and leases to total assets | 56.3453% | 3,264 |
| Net loans and leases to deposits | 65.0627% | 3,355 |
| Net loans and leases to core deposits | 69.2082% | 3,314 |
| Total domestic deposits to total assets | 86.6015% | 2,112 |
| Equity capital to assets | 11.8492% | 1,649 |
| Core capital (leverage) ratio | 12.1169% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3579% | 990 |
| Memoranda: | ||
| Average total assets | $5,415,371,400 | 235 |
| Average earning assets | $5,121,946,800 | 228 |
| Average equity | $670,517,800 | 212 |
| Average total loans | $3,301,295,400 | 247 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 4,586 |
| Cost of funding earning assets | 0.5955% | 2,641 |
| Net interest margin | 2.6078% | 4,564 |
| Noninterest income to average assets | 0.2971% | 3,702 |
| Noninterest expense to average assets | 1.9723% | 4,206 |
| Loan and lease loss provision to assets | 0.1751% | 2,230 |
| Net operating income to assets | 0.5007% | 4,032 |
| Return on assets (ROA) | 0.4521% | 4,228 |
| Pretax return on assets | 0.5560% | 4,185 |
| Return on Equity (ROE) | 3.6092% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.4994% | 3,303 |
| Net charge-offs to loans | 0.0071% | 2,866 |
| Credit loss provision to net charge-offs | 3,954.8023% | 275 |
| Earnings coverage of net charge-offs (x) | 178.7345% | 525 |
| Efficiency ratio | 71.3701% | 1,713 |
| Assets per employee ($millions) | 10.7277% | 409 |
| Cash dividends to net income (ytd only)* | 3.0427% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,688 |
| Loan loss allowance to noncurrent loans | 77.0754% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 1,468 |
| Noncurrent loans to loans | 1.3050% | 1,132 |
| Net loans and leases to total assets | 59.5911% | 3,266 |
| Net loans and leases to deposits | 69.2530% | 3,374 |
| Net loans and leases to core deposits | 73.8717% | 3,327 |
| Total domestic deposits to total assets | 86.0484% | 2,047 |
| Equity capital to assets | 12.1495% | 1,602 |
| Core capital (leverage) ratio | 12.2980% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0623% | 1,046 |
| Memoranda: | ||
| Average total assets | $5,331,210,500 | 235 |
| Average earning assets | $5,042,137,750 | 228 |
| Average equity | $667,756,000 | 210 |
| Average total loans | $3,307,039,250 | 247 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 4,640 |
| Cost of funding earning assets | 0.6691% | 2,565 |
| Net interest margin | 2.6373% | 4,619 |
| Noninterest income to average assets | 0.2855% | 3,750 |
| Noninterest expense to average assets | 2.0526% | 4,127 |
| Loan and lease loss provision to assets | 0.1530% | 2,474 |
| Net operating income to assets | 0.4749% | 4,075 |
| Return on assets (ROA) | 0.2877% | 4,478 |
| Pretax return on assets | 0.3478% | 4,475 |
| Return on Equity (ROE) | 2.2722% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.1060% | 3,709 |
| Net charge-offs to loans | 0.0136% | 2,481 |
| Credit loss provision to net charge-offs | 1,793.7220% | 531 |
| Earnings coverage of net charge-offs (x) | 85.1435% | 779 |
| Efficiency ratio | 73.8597% | 1,475 |
| Assets per employee ($millions) | 10.9421% | 390 |
| Cash dividends to net income (ytd only)* | 7.3148% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 3,965 |
| Loan loss allowance to noncurrent loans | 394.8236% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,809 |
| Noncurrent loans to loans | 0.2301% | 3,551 |
| Net loans and leases to total assets | 60.1311% | 3,305 |
| Net loans and leases to deposits | 70.0119% | 3,421 |
| Net loans and leases to core deposits | 75.1158% | 3,362 |
| Total domestic deposits to total assets | 85.8871% | 2,068 |
| Equity capital to assets | 11.9549% | 1,691 |
| Core capital (leverage) ratio | 12.5377% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7928% | 1,085 |
| Memoranda: | ||
| Average total assets | $5,227,364,667 | 237 |
| Average earning assets | $4,942,551,333 | 228 |
| Average equity | $661,819,667 | 211 |
| Average total loans | $3,277,139,333 | 247 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,524 |
| Cost of funding earning assets | 0.7856% | 2,474 |
| Net interest margin | 2.8134% | 4,558 |
| Noninterest income to average assets | 0.2993% | 3,719 |
| Noninterest expense to average assets | 2.1263% | 4,162 |
| Loan and lease loss provision to assets | 0.0797% | 2,718 |
| Net operating income to assets | 0.5997% | 3,593 |
| Return on assets (ROA) | 0.1261% | 4,631 |
| Pretax return on assets | 0.1585% | 4,611 |
| Return on Equity (ROE) | 0.9658% | 4,636 |
| Retained earnings to average equity (ytd only) | 0.9658% | 3,748 |
| Net charge-offs to loans | -0.0065% | 3,931 |
| Credit loss provision to net charge-offs | -1,923.0769% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9197% | 2,086 |
| Assets per employee ($millions) | 9.8105% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,194 |
| Loan loss allowance to noncurrent loans | 410.7479% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 3,955 |
| Noncurrent loans to loans | 0.2137% | 3,712 |
| Net loans and leases to total assets | 63.1038% | 3,175 |
| Net loans and leases to deposits | 73.8464% | 3,284 |
| Net loans and leases to core deposits | 80.2227% | 3,175 |
| Total domestic deposits to total assets | 85.4529% | 2,232 |
| Equity capital to assets | 12.8702% | 1,511 |
| Core capital (leverage) ratio | 13.4251% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7539% | 1,183 |
| Memoranda: | ||
| Average total assets | $5,017,992,500 | 238 |
| Average earning assets | $4,739,525,000 | 229 |
| Average equity | $655,235,000 | 215 |
| Average total loans | $3,202,614,000 | 249 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 4,473 |
| Cost of funding earning assets | 0.8898% | 2,234 |
| Net interest margin | 2.9894% | 4,528 |
| Noninterest income to average assets | 0.3427% | 3,654 |
| Noninterest expense to average assets | 2.1881% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7762% | 3,625 |
| Return on assets (ROA) | 0.8637% | 3,436 |
| Pretax return on assets | 1.0936% | 3,186 |
| Return on Equity (ROE) | 6.6292% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.5429% | 1,591 |
| Net charge-offs to loans | 0.0258% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 59.1020% | 990 |
| Efficiency ratio | 68.9103% | 2,324 |
| Assets per employee ($millions) | 9.5825% | 400 |
| Cash dividends to net income (ytd only)* | 1.3010% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,116 |
| Loan loss allowance to noncurrent loans | 382.5266% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 3,906 |
| Noncurrent loans to loans | 0.2255% | 3,645 |
| Net loans and leases to total assets | 63.4348% | 3,262 |
| Net loans and leases to deposits | 74.2803% | 3,327 |
| Net loans and leases to core deposits | 80.6828% | 3,239 |
| Total domestic deposits to total assets | 85.3992% | 2,348 |
| Equity capital to assets | 13.2501% | 1,392 |
| Core capital (leverage) ratio | 13.1349% | 1,184 |
| Tier 1 risk-based capital ratio | 16.8283% | 2,113 |
| Total risk-based capital ratio | 17.5662% | 2,231 |
| Memoranda: | ||
| Average total assets | $4,894,866,200 | 230 |
| Average earning assets | $4,631,039,000 | 225 |
| Average equity | $637,725,800 | 212 |
| Average total loans | $3,155,905,400 | 242 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,524 |
| Cost of funding earning assets | 0.8954% | 2,253 |
| Net interest margin | 3.0151% | 4,602 |
| Noninterest income to average assets | 0.3358% | 3,727 |
| Noninterest expense to average assets | 2.1387% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8248% | 3,594 |
| Return on assets (ROA) | 0.8836% | 3,483 |
| Pretax return on assets | 1.1239% | 3,222 |
| Return on Equity (ROE) | 6.8113% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.6955% | 2,014 |
| Net charge-offs to loans | 0.0161% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 101.0850% | 747 |
| Efficiency ratio | 66.9575% | 2,598 |
| Assets per employee ($millions) | 9.5387% | 401 |
| Cash dividends to net income (ytd only)* | 1.7007% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,168 |
| Loan loss allowance to noncurrent loans | 320.1960% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 3,862 |
| Noncurrent loans to loans | 0.2710% | 3,569 |
| Net loans and leases to total assets | 64.2136% | 3,265 |
| Net loans and leases to deposits | 75.4490% | 3,349 |
| Net loans and leases to core deposits | 81.8983% | 3,257 |
| Total domestic deposits to total assets | 85.1086% | 2,385 |
| Equity capital to assets | 13.2718% | 1,475 |
| Core capital (leverage) ratio | 13.0860% | 1,311 |
| Tier 1 risk-based capital ratio | 16.7052% | 2,184 |
| Total risk-based capital ratio | 17.4552% | 2,292 |
| Memoranda: | ||
| Average total assets | $4,880,049,000 | 233 |
| Average earning assets | $4,616,655,500 | 226 |
| Average equity | $633,050,000 | 214 |
| Average total loans | $3,152,384,000 | 246 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,559 |
| Cost of funding earning assets | 0.8933% | 2,183 |
| Net interest margin | 3.0035% | 4,677 |
| Noninterest income to average assets | 0.3113% | 3,847 |
| Noninterest expense to average assets | 2.1747% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7768% | 3,727 |
| Return on assets (ROA) | 0.8439% | 3,552 |
| Pretax return on assets | 1.0656% | 3,335 |
| Return on Equity (ROE) | 6.5569% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.5569% | 2,027 |
| Net charge-offs to loans | 0.0284% | 2,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 53.4305% | 1,053 |
| Efficiency ratio | 68.7287% | 2,413 |
| Assets per employee ($millions) | 9.3880% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,180 |
| Loan loss allowance to noncurrent loans | 283.9242% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,772 |
| Noncurrent loans to loans | 0.3084% | 3,443 |
| Net loans and leases to total assets | 64.0188% | 3,340 |
| Net loans and leases to deposits | 74.7225% | 3,455 |
| Net loans and leases to core deposits | 80.7021% | 3,365 |
| Total domestic deposits to total assets | 85.6755% | 2,187 |
| Equity capital to assets | 13.0953% | 1,546 |
| Core capital (leverage) ratio | 13.1412% | 1,239 |
| Tier 1 risk-based capital ratio | 16.8364% | 2,134 |
| Total risk-based capital ratio | 17.5962% | 2,230 |
| Memoranda: | ||
| Average total assets | $4,859,720,330 | 235 |
| Average earning assets | $4,601,803,000 | 225 |
| Average equity | $625,478,670 | 218 |
| Average total loans | $3,136,313,670 | 249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 4,627 |
| Cost of funding earning assets | 0.8636% | 2,189 |
| Net interest margin | 2.9872% | 4,772 |
| Noninterest income to average assets | 0.3046% | 3,841 |
| Noninterest expense to average assets | 2.1542% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7813% | 3,681 |
| Return on assets (ROA) | 0.8504% | 3,495 |
| Pretax return on assets | 1.0673% | 3,250 |
| Return on Equity (ROE) | 6.6659% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.6659% | 2,171 |
| Net charge-offs to loans | 0.0068% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 223.9245% | 350 |
| Efficiency ratio | 68.5183% | 2,565 |
| Assets per employee ($millions) | 9.4174% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,160 |
| Loan loss allowance to noncurrent loans | 264.4585% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,740 |
| Noncurrent loans to loans | 0.3400% | 3,362 |
| Net loans and leases to total assets | 63.9912% | 3,286 |
| Net loans and leases to deposits | 74.7058% | 3,383 |
| Net loans and leases to core deposits | 80.4368% | 3,323 |
| Total domestic deposits to total assets | 85.6576% | 2,419 |
| Equity capital to assets | 12.9383% | 1,492 |
| Core capital (leverage) ratio | 13.0591% | 1,245 |
| Tier 1 risk-based capital ratio | 16.7456% | 2,190 |
| Total risk-based capital ratio | 17.5240% | 2,290 |
| Memoranda: | ||
| Average total assets | $4,839,320,500 | 235 |
| Average earning assets | $4,585,523,000 | 225 |
| Average equity | $617,349,500 | 220 |
| Average total loans | $3,121,987,000 | 250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,693 |
| Cost of funding earning assets | 0.6803% | 2,210 |
| Net interest margin | 3.0005% | 4,796 |
| Noninterest income to average assets | 0.3222% | 3,944 |
| Noninterest expense to average assets | 2.1056% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8242% | 3,714 |
| Return on assets (ROA) | 0.8657% | 3,551 |
| Pretax return on assets | 1.1147% | 3,217 |
| Return on Equity (ROE) | 6.8936% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.8015% | 1,754 |
| Net charge-offs to loans | 0.0149% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 107.9637% | 702 |
| Efficiency ratio | 66.2738% | 2,831 |
| Assets per employee ($millions) | 9.4865% | 402 |
| Cash dividends to net income (ytd only)* | 1.3357% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,145 |
| Loan loss allowance to noncurrent loans | 195.8884% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 3,376 |
| Noncurrent loans to loans | 0.4609% | 2,888 |
| Net loans and leases to total assets | 63.8720% | 3,373 |
| Net loans and leases to deposits | 74.2474% | 3,483 |
| Net loans and leases to core deposits | 79.6448% | 3,455 |
| Total domestic deposits to total assets | 86.0259% | 2,216 |
| Equity capital to assets | 12.5755% | 1,546 |
| Core capital (leverage) ratio | 12.7043% | 1,372 |
| Tier 1 risk-based capital ratio | 16.2903% | 2,315 |
| Total risk-based capital ratio | 17.0652% | 2,412 |
| Memoranda: | ||
| Average total assets | $4,756,742,000 | 233 |
| Average earning assets | $4,511,124,800 | 224 |
| Average equity | $597,334,600 | 218 |
| Average total loans | $3,142,573,400 | 248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 4,753 |
| Cost of funding earning assets | 0.6342% | 2,248 |
| Net interest margin | 2.9967% | 4,853 |
| Noninterest income to average assets | 0.3321% | 3,932 |
| Noninterest expense to average assets | 2.0254% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8887% | 3,591 |
| Return on assets (ROA) | 0.9411% | 3,348 |
| Pretax return on assets | 1.2162% | 2,929 |
| Return on Equity (ROE) | 7.4971% | 3,753 |
| Retained earnings to average equity (ytd only) | 7.3737% | 1,944 |
| Net charge-offs to loans | 0.0079% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 218.4253% | 415 |
| Efficiency ratio | 63.5930% | 3,252 |
| Assets per employee ($millions) | 9.3470% | 391 |
| Cash dividends to net income (ytd only)* | 1.6451% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,268 |
| Loan loss allowance to noncurrent loans | 242.5623% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 3,719 |
| Noncurrent loans to loans | 0.3704% | 3,319 |
| Net loans and leases to total assets | 65.4218% | 3,256 |
| Net loans and leases to deposits | 76.0337% | 3,414 |
| Net loans and leases to core deposits | 81.4207% | 3,372 |
| Total domestic deposits to total assets | 86.0431% | 2,167 |
| Equity capital to assets | 12.6729% | 1,484 |
| Core capital (leverage) ratio | 12.8197% | 1,360 |
| Tier 1 risk-based capital ratio | 16.0532% | 2,432 |
| Total risk-based capital ratio | 16.8404% | 2,547 |
| Memoranda: | ||
| Average total assets | $4,736,399,000 | 232 |
| Average earning assets | $4,493,686,250 | 224 |
| Average equity | $594,564,000 | 218 |
| Average total loans | $3,148,627,500 | 243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 4,811 |
| Cost of funding earning assets | 0.6016% | 2,215 |
| Net interest margin | 2.9689% | 4,917 |
| Noninterest income to average assets | 0.3347% | 3,944 |
| Noninterest expense to average assets | 2.0877% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8220% | 3,783 |
| Return on assets (ROA) | 0.9010% | 3,456 |
| Pretax return on assets | 1.1643% | 3,080 |
| Return on Equity (ROE) | 7.2010% | 3,832 |
| Retained earnings to average equity (ytd only) | 7.0146% | 2,066 |
| Net charge-offs to loans | -0.0020% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0380% | 2,971 |
| Assets per employee ($millions) | 9.1269% | 423 |
| Cash dividends to net income (ytd only)* | 2.5882% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,350 |
| Loan loss allowance to noncurrent loans | 232.6163% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,700 |
| Noncurrent loans to loans | 0.3858% | 3,314 |
| Net loans and leases to total assets | 66.8091% | 3,043 |
| Net loans and leases to deposits | 77.3369% | 3,219 |
| Net loans and leases to core deposits | 82.6641% | 3,191 |
| Total domestic deposits to total assets | 86.3872% | 2,103 |
| Equity capital to assets | 12.5950% | 1,487 |
| Core capital (leverage) ratio | 12.7153% | 1,342 |
| Tier 1 risk-based capital ratio | 16.1566% | 2,386 |
| Total risk-based capital ratio | 16.9656% | 2,489 |
| Memoranda: | ||
| Average total assets | $4,716,867,670 | 230 |
| Average earning assets | $4,476,207,670 | 223 |
| Average equity | $590,197,330 | 214 |
| Average total loans | $3,143,033,330 | 240 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 4,915 |
| Cost of funding earning assets | 0.5725% | 2,236 |
| Net interest margin | 2.9073% | 5,016 |
| Noninterest income to average assets | 0.2915% | 4,216 |
| Noninterest expense to average assets | 2.0865% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7530% | 3,900 |
| Return on assets (ROA) | 0.7632% | 3,860 |
| Pretax return on assets | 0.9784% | 3,607 |
| Return on Equity (ROE) | 6.1200% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.1200% | 2,655 |
| Net charge-offs to loans | -0.0014% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1638% | 2,801 |
| Assets per employee ($millions) | 9.3465% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,393 |
| Loan loss allowance to noncurrent loans | 217.2851% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 3,747 |
| Noncurrent loans to loans | 0.4197% | 3,277 |
| Net loans and leases to total assets | 65.7946% | 3,063 |
| Net loans and leases to deposits | 76.6850% | 3,145 |
| Net loans and leases to core deposits | 81.8933% | 3,147 |
| Total domestic deposits to total assets | 85.7986% | 2,635 |
| Equity capital to assets | 12.4259% | 1,529 |
| Core capital (leverage) ratio | 12.3607% | 1,453 |
| Tier 1 risk-based capital ratio | 15.7202% | 2,580 |
| Total risk-based capital ratio | 16.5373% | 2,681 |
| Memoranda: | ||
| Average total assets | $4,706,882,500 | 229 |
| Average earning assets | $4,468,984,000 | 222 |
| Average equity | $586,994,500 | 216 |
| Average total loans | $3,117,901,500 | 242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 5,055 |
| Cost of funding earning assets | 0.4742% | 2,556 |
| Net interest margin | 2.8498% | 5,107 |
| Noninterest income to average assets | 0.3658% | 3,851 |
| Noninterest expense to average assets | 1.9712% | 5,009 |
| Loan and lease loss provision to assets | -0.0229% | 5,336 |
| Net operating income to assets | 0.6737% | 3,716 |
| Return on assets (ROA) | 0.7216% | 3,553 |
| Pretax return on assets | 1.1952% | 2,790 |
| Return on Equity (ROE) | 5.7515% | 3,853 |
| Retained earnings to average equity (ytd only) | 5.6561% | 1,735 |
| Net charge-offs to loans | 0.0295% | 3,211 |
| Credit loss provision to net charge-offs | -119.8630% | 4,732 |
| Earnings coverage of net charge-offs (x) | 57.5571% | 981 |
| Efficiency ratio | 64.0295% | 3,603 |
| Assets per employee ($millions) | 9.2032% | 422 |
| Cash dividends to net income (ytd only)* | 1.6589% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,347 |
| Loan loss allowance to noncurrent loans | 213.2534% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,721 |
| Noncurrent loans to loans | 0.4336% | 3,230 |
| Net loans and leases to total assets | 65.4700% | 3,163 |
| Net loans and leases to deposits | 75.8211% | 3,345 |
| Net loans and leases to core deposits | 80.8283% | 3,352 |
| Total domestic deposits to total assets | 86.3480% | 2,293 |
| Equity capital to assets | 12.5165% | 1,510 |
| Core capital (leverage) ratio | 12.3484% | 1,424 |
| Tier 1 risk-based capital ratio | 15.6168% | 2,577 |
| Total risk-based capital ratio | 16.4586% | 2,675 |
| Memoranda: | ||
| Average total assets | $4,594,398,200 | 219 |
| Average earning assets | $4,357,522,400 | 210 |
| Average equity | $576,442,400 | 211 |
| Average total loans | $2,968,538,800 | 243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 5,131 |
| Cost of funding earning assets | 0.4613% | 2,603 |
| Net interest margin | 2.8236% | 5,190 |
| Noninterest income to average assets | 0.3295% | 4,180 |
| Noninterest expense to average assets | 1.8634% | 5,184 |
| Loan and lease loss provision to assets | 0.0569% | 2,951 |
| Net operating income to assets | 0.7242% | 3,853 |
| Return on assets (ROA) | 0.7914% | 3,611 |
| Pretax return on assets | 1.1865% | 2,959 |
| Return on Equity (ROE) | 6.3035% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1758% | 2,129 |
| Net charge-offs to loans | 0.0235% | 2,987 |
| Credit loss provision to net charge-offs | 377.1760% | 813 |
| Earnings coverage of net charge-offs (x) | 75.8119% | 849 |
| Efficiency ratio | 61.7672% | 3,920 |
| Assets per employee ($millions) | 9.0243% | 438 |
| Cash dividends to net income (ytd only)* | 2.0268% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,655 |
| Loan loss allowance to noncurrent loans | 202.8026% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,679 |
| Noncurrent loans to loans | 0.5287% | 3,111 |
| Net loans and leases to total assets | 63.8700% | 3,423 |
| Net loans and leases to deposits | 73.8728% | 3,588 |
| Net loans and leases to core deposits | 78.5945% | 3,582 |
| Total domestic deposits to total assets | 86.4594% | 2,112 |
| Equity capital to assets | 12.7477% | 1,515 |
| Core capital (leverage) ratio | 12.3865% | 1,468 |
| Tier 1 risk-based capital ratio | 15.8434% | 2,571 |
| Total risk-based capital ratio | 16.8090% | 2,630 |
| Memoranda: | ||
| Average total assets | $4,571,887,000 | 221 |
| Average earning assets | $4,334,534,000 | 213 |
| Average equity | $573,970,500 | 210 |
| Average total loans | $2,936,791,500 | 246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2402% | 5,192 |
| Cost of funding earning assets | 0.4466% | 2,636 |
| Net interest margin | 2.7936% | 5,256 |
| Noninterest income to average assets | 0.3277% | 4,200 |
| Noninterest expense to average assets | 1.8815% | 5,211 |
| Loan and lease loss provision to assets | 0.0856% | 2,275 |
| Net operating income to assets | 0.6801% | 3,935 |
| Return on assets (ROA) | 0.7813% | 3,534 |
| Pretax return on assets | 1.1607% | 2,929 |
| Return on Equity (ROE) | 6.2563% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.0630% | 2,078 |
| Net charge-offs to loans | 0.0249% | 2,722 |
| Credit loss provision to net charge-offs | 537.1901% | 623 |
| Earnings coverage of net charge-offs (x) | 68.7273% | 850 |
| Efficiency ratio | 62.9909% | 3,825 |
| Assets per employee ($millions) | 9.0538% | 416 |
| Cash dividends to net income (ytd only)* | 3.0902% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,675 |
| Loan loss allowance to noncurrent loans | 207.3553% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 3,768 |
| Noncurrent loans to loans | 0.5229% | 3,187 |
| Net loans and leases to total assets | 63.8771% | 3,402 |
| Net loans and leases to deposits | 73.7131% | 3,575 |
| Net loans and leases to core deposits | 78.4888% | 3,554 |
| Total domestic deposits to total assets | 86.6563% | 2,109 |
| Equity capital to assets | 12.6259% | 1,560 |
| Core capital (leverage) ratio | 12.2770% | 1,490 |
| Tier 1 risk-based capital ratio | 15.7034% | 2,615 |
| Total risk-based capital ratio | 16.6819% | 2,672 |
| Memoranda: | ||
| Average total assets | $4,555,706,330 | 222 |
| Average earning assets | $4,319,950,330 | 215 |
| Average equity | $568,961,000 | 214 |
| Average total loans | $2,921,371,330 | 247 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1555% | 5,300 |
| Cost of funding earning assets | 0.4352% | 2,660 |
| Net interest margin | 2.7204% | 5,368 |
| Noninterest income to average assets | 0.3145% | 4,302 |
| Noninterest expense to average assets | 1.8578% | 5,296 |
| Loan and lease loss provision to assets | 0.0859% | 2,100 |
| Net operating income to assets | 0.6411% | 3,975 |
| Return on assets (ROA) | 0.8152% | 3,204 |
| Pretax return on assets | 1.2063% | 2,568 |
| Return on Equity (ROE) | 6.5635% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5635% | 2,046 |
| Net charge-offs to loans | -0.0001% | 3,953 |
| Credit loss provision to net charge-offs | -97,500.0000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9705% | 3,842 |
| Assets per employee ($millions) | 9.1837% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,820 |
| Loan loss allowance to noncurrent loans | 194.7794% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,783 |
| Noncurrent loans to loans | 0.5550% | 3,144 |
| Net loans and leases to total assets | 63.3349% | 3,356 |
| Net loans and leases to deposits | 73.3115% | 3,469 |
| Net loans and leases to core deposits | 78.1231% | 3,461 |
| Total domestic deposits to total assets | 86.3915% | 2,499 |
| Equity capital to assets | 12.5004% | 1,532 |
| Core capital (leverage) ratio | 12.0368% | 1,605 |
| Tier 1 risk-based capital ratio | 15.4609% | 2,772 |
| Total risk-based capital ratio | 16.4432% | 2,812 |
| Memoranda: | ||
| Average total assets | $4,538,423,000 | 224 |
| Average earning assets | $4,303,673,000 | 213 |
| Average equity | $563,660,000 | 213 |
| Average total loans | $2,899,921,500 | 249 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 5,294 |
| Cost of funding earning assets | 0.4048% | 2,954 |
| Net interest margin | 2.8011% | 5,286 |
| Noninterest income to average assets | 0.3720% | 4,088 |
| Noninterest expense to average assets | 2.0007% | 5,184 |
| Loan and lease loss provision to assets | 0.0683% | 3,003 |
| Net operating income to assets | 0.6575% | 3,966 |
| Return on assets (ROA) | 0.6601% | 4,067 |
| Pretax return on assets | 0.9723% | 3,578 |
| Return on Equity (ROE) | 5.3018% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.2012% | 2,201 |
| Net charge-offs to loans | 0.0138% | 3,819 |
| Credit loss provision to net charge-offs | 767.2634% | 477 |
| Earnings coverage of net charge-offs (x) | 116.4987% | 518 |
| Efficiency ratio | 65.6473% | 3,650 |
| Assets per employee ($millions) | 9.1905% | 403 |
| Cash dividends to net income (ytd only)* | 1.8966% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,956 |
| Loan loss allowance to noncurrent loans | 181.2793% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 3,792 |
| Noncurrent loans to loans | 0.5845% | 3,094 |
| Net loans and leases to total assets | 63.0906% | 3,473 |
| Net loans and leases to deposits | 72.7566% | 3,637 |
| Net loans and leases to core deposits | 77.6448% | 3,595 |
| Total domestic deposits to total assets | 86.7146% | 2,278 |
| Equity capital to assets | 12.3385% | 1,613 |
| Core capital (leverage) ratio | 11.9741% | 1,617 |
| Tier 1 risk-based capital ratio | 15.3930% | 2,796 |
| Total risk-based capital ratio | 16.3283% | 2,864 |
| Memoranda: | ||
| Average total assets | $4,393,425,000 | 219 |
| Average earning assets | $4,180,832,400 | 209 |
| Average equity | $546,970,000 | 204 |
| Average total loans | $2,825,243,800 | 237 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 5,327 |
| Cost of funding earning assets | 0.3987% | 3,035 |
| Net interest margin | 2.8261% | 5,312 |
| Noninterest income to average assets | 0.3444% | 4,321 |
| Noninterest expense to average assets | 1.9501% | 5,294 |
| Loan and lease loss provision to assets | 0.0688% | 2,848 |
| Net operating income to assets | 0.6893% | 3,909 |
| Return on assets (ROA) | 0.6928% | 4,023 |
| Pretax return on assets | 1.0230% | 3,538 |
| Return on Equity (ROE) | 5.5516% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4169% | 2,539 |
| Net charge-offs to loans | 0.0177% | 3,364 |
| Credit loss provision to net charge-offs | 601.6043% | 613 |
| Earnings coverage of net charge-offs (x) | 95.0382% | 690 |
| Efficiency ratio | 63.9955% | 3,933 |
| Assets per employee ($millions) | 8.8264% | 438 |
| Cash dividends to net income (ytd only)* | 2.4271% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,135 |
| Loan loss allowance to noncurrent loans | 202.4304% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 4,072 |
| Noncurrent loans to loans | 0.5179% | 3,441 |
| Net loans and leases to total assets | 63.3913% | 3,475 |
| Net loans and leases to deposits | 73.3874% | 3,655 |
| Net loans and leases to core deposits | 78.4386% | 3,617 |
| Total domestic deposits to total assets | 86.3790% | 2,180 |
| Equity capital to assets | 12.5617% | 1,739 |
| Core capital (leverage) ratio | 11.8939% | 1,747 |
| Tier 1 risk-based capital ratio | 15.8211% | 2,694 |
| Total risk-based capital ratio | 16.7932% | 2,748 |
| Memoranda: | ||
| Average total assets | $4,361,347,750 | 220 |
| Average earning assets | $4,154,702,000 | 210 |
| Average equity | $544,233,750 | 204 |
| Average total loans | $2,810,719,750 | 237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 5,418 |
| Cost of funding earning assets | 0.3917% | 3,133 |
| Net interest margin | 2.8172% | 5,398 |
| Noninterest income to average assets | 0.3169% | 4,515 |
| Noninterest expense to average assets | 1.9962% | 5,274 |
| Loan and lease loss provision to assets | 0.0692% | 2,755 |
| Net operating income to assets | 0.6392% | 4,098 |
| Return on assets (ROA) | 0.6393% | 4,239 |
| Pretax return on assets | 0.9364% | 3,815 |
| Return on Equity (ROE) | 5.1350% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.9312% | 2,781 |
| Net charge-offs to loans | -0.0037% | 4,466 |
| Credit loss provision to net charge-offs | -2,884.6154% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2778% | 3,638 |
| Assets per employee ($millions) | 9.0291% | 379 |
| Cash dividends to net income (ytd only)* | 3.9688% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 4,257 |
| Loan loss allowance to noncurrent loans | 185.4502% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 4,035 |
| Noncurrent loans to loans | 0.5625% | 3,378 |
| Net loans and leases to total assets | 63.6272% | 3,423 |
| Net loans and leases to deposits | 73.5391% | 3,650 |
| Net loans and leases to core deposits | 78.8122% | 3,570 |
| Total domestic deposits to total assets | 86.5216% | 2,159 |
| Equity capital to assets | 12.4660% | 1,794 |
| Core capital (leverage) ratio | 12.0735% | 1,578 |
| Tier 1 risk-based capital ratio | 15.9274% | 2,675 |
| Total risk-based capital ratio | 16.9077% | 2,730 |
| Memoranda: | ||
| Average total assets | $4,335,232,670 | 222 |
| Average earning assets | $4,131,363,000 | 212 |
| Average equity | $539,745,000 | 205 |
| Average total loans | $2,799,560,000 | 239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2273% | 5,449 |
| Cost of funding earning assets | 0.3862% | 3,225 |
| Net interest margin | 2.8410% | 5,412 |
| Noninterest income to average assets | 0.2691% | 4,809 |
| Noninterest expense to average assets | 1.9613% | 5,412 |
| Loan and lease loss provision to assets | 0.0697% | 2,555 |
| Net operating income to assets | 0.6273% | 4,069 |
| Return on assets (ROA) | 0.6273% | 4,184 |
| Pretax return on assets | 0.9451% | 3,674 |
| Return on Equity (ROE) | 5.0416% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.0416% | 2,914 |
| Net charge-offs to loans | -0.0093% | 4,497 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6737% | 3,853 |
| Assets per employee ($millions) | 8.7845% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,450 |
| Loan loss allowance to noncurrent loans | 158.3012% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 3,853 |
| Noncurrent loans to loans | 0.6501% | 3,223 |
| Net loans and leases to total assets | 63.9874% | 3,242 |
| Net loans and leases to deposits | 73.9623% | 3,439 |
| Net loans and leases to core deposits | 79.1678% | 3,398 |
| Total domestic deposits to total assets | 86.5136% | 2,439 |
| Equity capital to assets | 12.4799% | 1,696 |
| Core capital (leverage) ratio | 12.0228% | 1,587 |
| Tier 1 risk-based capital ratio | 15.8928% | 2,735 |
| Total risk-based capital ratio | 16.8479% | 2,792 |
| Memoranda: | ||
| Average total assets | $4,304,265,500 | 224 |
| Average earning assets | $4,101,191,000 | 214 |
| Average equity | $535,542,500 | 205 |
| Average total loans | $2,785,695,000 | 239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 5,546 |
| Cost of funding earning assets | 0.3454% | 3,740 |
| Net interest margin | 2.8223% | 5,473 |
| Noninterest income to average assets | 0.3387% | 4,486 |
| Noninterest expense to average assets | 2.0025% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6774% | 3,915 |
| Return on assets (ROA) | 0.6921% | 3,961 |
| Pretax return on assets | 1.0416% | 3,302 |
| Return on Equity (ROE) | 5.5474% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.4425% | 2,106 |
| Net charge-offs to loans | 0.0638% | 2,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 25.1824% | 1,637 |
| Efficiency ratio | 66.0390% | 3,896 |
| Assets per employee ($millions) | 8.5560% | 455 |
| Cash dividends to net income (ytd only)* | 1.8920% | 4,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,567 |
| Loan loss allowance to noncurrent loans | 146.8236% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 3,780 |
| Noncurrent loans to loans | 0.6853% | 3,144 |
| Net loans and leases to total assets | 64.1347% | 3,255 |
| Net loans and leases to deposits | 74.0668% | 3,487 |
| Net loans and leases to core deposits | 79.1041% | 3,435 |
| Total domestic deposits to total assets | 86.5903% | 2,330 |
| Equity capital to assets | 12.4040% | 1,669 |
| Core capital (leverage) ratio | 11.9731% | 1,633 |
| Tier 1 risk-based capital ratio | 15.9146% | 2,731 |
| Total risk-based capital ratio | 16.8399% | 2,822 |
| Memoranda: | ||
| Average total assets | $4,200,128,600 | 219 |
| Average earning assets | $3,993,085,000 | 209 |
| Average equity | $524,028,000 | 200 |
| Average total loans | $2,663,488,400 | 236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 5,625 |
| Cost of funding earning assets | 0.3415% | 3,842 |
| Net interest margin | 2.8295% | 5,531 |
| Noninterest income to average assets | 0.3431% | 4,482 |
| Noninterest expense to average assets | 1.9531% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7088% | 3,865 |
| Return on assets (ROA) | 0.7286% | 3,880 |
| Pretax return on assets | 1.1084% | 3,184 |
| Return on Equity (ROE) | 5.8311% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.6906% | 2,452 |
| Net charge-offs to loans | 0.0639% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.7822% | 1,601 |
| Efficiency ratio | 64.1932% | 4,210 |
| Assets per employee ($millions) | 8.2906% | 471 |
| Cash dividends to net income (ytd only)* | 2.4087% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 4,492 |
| Loan loss allowance to noncurrent loans | 119.2587% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 3,533 |
| Noncurrent loans to loans | 0.8775% | 2,785 |
| Net loans and leases to total assets | 63.8397% | 3,332 |
| Net loans and leases to deposits | 73.9545% | 3,551 |
| Net loans and leases to core deposits | 79.1478% | 3,495 |
| Total domestic deposits to total assets | 86.3230% | 2,371 |
| Equity capital to assets | 12.6360% | 1,665 |
| Core capital (leverage) ratio | 12.0845% | 1,630 |
| Tier 1 risk-based capital ratio | 16.3069% | 2,672 |
| Total risk-based capital ratio | 17.2642% | 2,737 |
| Memoranda: | ||
| Average total assets | $4,178,522,250 | 224 |
| Average earning assets | $3,970,137,000 | 214 |
| Average equity | $522,108,750 | 203 |
| Average total loans | $2,635,082,750 | 238 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 5,690 |
| Cost of funding earning assets | 0.3368% | 3,960 |
| Net interest margin | 2.8120% | 5,589 |
| Noninterest income to average assets | 0.3506% | 4,448 |
| Noninterest expense to average assets | 1.8825% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7496% | 3,647 |
| Return on assets (ROA) | 0.7672% | 3,652 |
| Pretax return on assets | 1.1660% | 2,914 |
| Return on Equity (ROE) | 6.1634% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9515% | 2,272 |
| Net charge-offs to loans | 0.0495% | 2,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 36.7740% | 1,193 |
| Efficiency ratio | 62.0657% | 4,672 |
| Assets per employee ($millions) | 8.6164% | 422 |
| Cash dividends to net income (ytd only)* | 3.4381% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 4,391 |
| Loan loss allowance to noncurrent loans | 121.5612% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 3,626 |
| Noncurrent loans to loans | 0.8948% | 2,890 |
| Net loans and leases to total assets | 62.9641% | 3,417 |
| Net loans and leases to deposits | 73.0707% | 3,610 |
| Net loans and leases to core deposits | 78.0901% | 3,560 |
| Total domestic deposits to total assets | 86.1688% | 2,595 |
| Equity capital to assets | 12.5287% | 1,645 |
| Core capital (leverage) ratio | 12.1347% | 1,575 |
| Tier 1 risk-based capital ratio | 16.2021% | 2,759 |
| Total risk-based capital ratio | 17.1858% | 2,845 |
| Memoranda: | ||
| Average total assets | $4,170,248,330 | 227 |
| Average earning assets | $3,961,493,330 | 213 |
| Average equity | $519,099,670 | 207 |
| Average total loans | $2,609,516,670 | 240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 5,752 |
| Cost of funding earning assets | 0.3352% | 4,035 |
| Net interest margin | 2.7911% | 5,663 |
| Noninterest income to average assets | 0.3869% | 4,110 |
| Noninterest expense to average assets | 1.8721% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7707% | 3,423 |
| Return on assets (ROA) | 0.7707% | 3,558 |
| Pretax return on assets | 1.1683% | 2,794 |
| Return on Equity (ROE) | 6.2116% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.2116% | 2,372 |
| Net charge-offs to loans | 0.1001% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.8158% | 1,473 |
| Efficiency ratio | 61.3429% | 4,912 |
| Assets per employee ($millions) | 8.3330% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 4,442 |
| Loan loss allowance to noncurrent loans | 156.3464% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 4,178 |
| Noncurrent loans to loans | 0.7118% | 3,489 |
| Net loans and leases to total assets | 61.8427% | 3,394 |
| Net loans and leases to deposits | 71.5823% | 3,579 |
| Net loans and leases to core deposits | 76.2791% | 3,567 |
| Total domestic deposits to total assets | 86.3938% | 2,714 |
| Equity capital to assets | 12.5056% | 1,691 |
| Core capital (leverage) ratio | 12.0124% | 1,631 |
| Tier 1 risk-based capital ratio | 16.4453% | 2,708 |
| Total risk-based capital ratio | 17.4848% | 2,756 |
| Memoranda: | ||
| Average total assets | $4,161,591,000 | 223 |
| Average earning assets | $3,956,472,500 | 212 |
| Average equity | $516,325,500 | 206 |
| Average total loans | $2,581,445,500 | 238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 5,826 |
| Cost of funding earning assets | 0.3595% | 4,148 |
| Net interest margin | 2.8490% | 5,731 |
| Noninterest income to average assets | 0.3661% | 4,467 |
| Noninterest expense to average assets | 2.0865% | 5,605 |
| Loan and lease loss provision to assets | -0.1302% | 6,197 |
| Net operating income to assets | 0.7371% | 3,698 |
| Return on assets (ROA) | 0.7394% | 3,786 |
| Pretax return on assets | 1.1121% | 3,037 |
| Return on Equity (ROE) | 6.0268% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.9276% | 1,970 |
| Net charge-offs to loans | -0.0185% | 5,688 |
| Credit loss provision to net charge-offs | 1,135.8811% | 249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8449% | 3,923 |
| Assets per employee ($millions) | 8.5178% | 430 |
| Cash dividends to net income (ytd only)* | 1.6462% | 4,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,231 |
| Loan loss allowance to noncurrent loans | 140.9711% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 4,039 |
| Noncurrent loans to loans | 0.8223% | 3,259 |
| Net loans and leases to total assets | 60.8076% | 3,672 |
| Net loans and leases to deposits | 70.2734% | 3,874 |
| Net loans and leases to core deposits | 74.7125% | 3,848 |
| Total domestic deposits to total assets | 86.5300% | 2,557 |
| Equity capital to assets | 12.3080% | 1,773 |
| Core capital (leverage) ratio | 11.9310% | 1,672 |
| Tier 1 risk-based capital ratio | 17.5455% | 2,301 |
| Total risk-based capital ratio | 18.6467% | 2,321 |
| Memoranda: | ||
| Average total assets | $4,107,808,400 | 216 |
| Average earning assets | $3,891,213,800 | 205 |
| Average equity | $503,962,800 | 203 |
| Average total loans | $2,541,983,600 | 226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 5,907 |
| Cost of funding earning assets | 0.3625% | 4,210 |
| Net interest margin | 2.8303% | 5,829 |
| Noninterest income to average assets | 0.3638% | 4,519 |
| Noninterest expense to average assets | 1.9686% | 5,820 |
| Loan and lease loss provision to assets | -0.1449% | 6,344 |
| Net operating income to assets | 0.8009% | 3,423 |
| Return on assets (ROA) | 0.8040% | 3,507 |
| Pretax return on assets | 1.2231% | 2,682 |
| Return on Equity (ROE) | 6.5585% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.4257% | 2,154 |
| Net charge-offs to loans | -0.0037% | 5,256 |
| Credit loss provision to net charge-offs | 6,267.6056% | 64 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4747% | 4,469 |
| Assets per employee ($millions) | 8.3604% | 444 |
| Cash dividends to net income (ytd only)* | 2.0246% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 4,360 |
| Loan loss allowance to noncurrent loans | 140.4959% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 4,268 |
| Noncurrent loans to loans | 0.8363% | 3,481 |
| Net loans and leases to total assets | 60.1672% | 3,757 |
| Net loans and leases to deposits | 70.4593% | 3,871 |
| Net loans and leases to core deposits | 74.9167% | 3,854 |
| Total domestic deposits to total assets | 85.3928% | 3,163 |
| Equity capital to assets | 12.2178% | 1,888 |
| Core capital (leverage) ratio | 12.0813% | 1,652 |
| Tier 1 risk-based capital ratio | 17.4683% | 2,406 |
| Total risk-based capital ratio | 18.5909% | 2,414 |
| Memoranda: | ||
| Average total assets | $4,095,591,000 | 214 |
| Average earning assets | $3,875,771,500 | 204 |
| Average equity | $502,052,250 | 203 |
| Average total loans | $2,538,175,250 | 224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2057% | 5,942 |
| Cost of funding earning assets | 0.3666% | 4,243 |
| Net interest margin | 2.8391% | 5,839 |
| Noninterest income to average assets | 0.3800% | 4,404 |
| Noninterest expense to average assets | 1.9628% | 5,891 |
| Loan and lease loss provision to assets | -0.1849% | 6,464 |
| Net operating income to assets | 0.8424% | 3,116 |
| Return on assets (ROA) | 0.8470% | 3,192 |
| Pretax return on assets | 1.2929% | 2,276 |
| Return on Equity (ROE) | 6.9020% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.7011% | 1,926 |
| Net charge-offs to loans | -0.0066% | 5,227 |
| Credit loss provision to net charge-offs | 4,518.0723% | 80 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8283% | 4,717 |
| Assets per employee ($millions) | 8.3357% | 434 |
| Cash dividends to net income (ytd only)* | 2.9105% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,407 |
| Loan loss allowance to noncurrent loans | 101.8755% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 3,712 |
| Noncurrent loans to loans | 1.1814% | 2,868 |
| Net loans and leases to total assets | 61.8817% | 3,425 |
| Net loans and leases to deposits | 71.5840% | 3,628 |
| Net loans and leases to core deposits | 76.1008% | 3,622 |
| Total domestic deposits to total assets | 86.4463% | 2,792 |
| Equity capital to assets | 12.4301% | 1,693 |
| Core capital (leverage) ratio | 11.9638% | 1,679 |
| Tier 1 risk-based capital ratio | 17.4477% | 2,440 |
| Total risk-based capital ratio | 18.6169% | 2,433 |
| Memoranda: | ||
| Average total assets | $4,056,236,330 | 210 |
| Average earning assets | $3,834,306,000 | 203 |
| Average equity | $497,798,000 | 205 |
| Average total loans | $2,529,107,330 | 222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 5,986 |
| Cost of funding earning assets | 0.3687% | 4,335 |
| Net interest margin | 2.8424% | 5,860 |
| Noninterest income to average assets | 0.4050% | 4,149 |
| Noninterest expense to average assets | 2.0734% | 5,730 |
| Loan and lease loss provision to assets | -0.1486% | 6,529 |
| Net operating income to assets | 0.7731% | 3,289 |
| Return on assets (ROA) | 0.7810% | 3,328 |
| Pretax return on assets | 1.1795% | 2,571 |
| Return on Equity (ROE) | 6.4055% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.4055% | 2,331 |
| Net charge-offs to loans | 0.0119% | 3,370 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | 137.1467% | 361 |
| Efficiency ratio | 66.8162% | 4,394 |
| Assets per employee ($millions) | 8.0169% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,051 |
| Loan loss allowance to noncurrent loans | 104.4545% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 3,734 |
| Noncurrent loans to loans | 1.2577% | 2,935 |
| Net loans and leases to total assets | 61.2538% | 3,352 |
| Net loans and leases to deposits | 70.6546% | 3,520 |
| Net loans and leases to core deposits | 75.1526% | 3,511 |
| Total domestic deposits to total assets | 86.6948% | 2,997 |
| Equity capital to assets | 12.3072% | 1,684 |
| Core capital (leverage) ratio | 11.9093% | 1,706 |
| Tier 1 risk-based capital ratio | 17.3356% | 2,543 |
| Total risk-based capital ratio | 18.5861% | 2,507 |
| Memoranda: | ||
| Average total assets | $4,037,940,000 | 212 |
| Average earning assets | $3,817,800,000 | 204 |
| Average equity | $492,326,000 | 206 |
| Average total loans | $2,511,877,500 | 222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 5,926 |
| Cost of funding earning assets | 0.4169% | 4,460 |
| Net interest margin | 2.9249% | 5,741 |
| Noninterest income to average assets | 0.3333% | 4,953 |
| Noninterest expense to average assets | 2.0820% | 5,865 |
| Loan and lease loss provision to assets | -0.0619% | 6,414 |
| Net operating income to assets | 0.7110% | 3,748 |
| Return on assets (ROA) | 0.7400% | 3,690 |
| Pretax return on assets | 1.1216% | 2,879 |
| Return on Equity (ROE) | 6.3185% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.2338% | 1,826 |
| Net charge-offs to loans | 0.0066% | 5,324 |
| Credit loss provision to net charge-offs | -1,543.2099% | 6,288 |
| Earnings coverage of net charge-offs (x) | 253.0926% | 178 |
| Efficiency ratio | 66.9743% | 4,375 |
| Assets per employee ($millions) | 8.0707% | 454 |
| Cash dividends to net income (ytd only)* | 1.3392% | 4,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 3,782 |
| Loan loss allowance to noncurrent loans | 109.1056% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 3,732 |
| Noncurrent loans to loans | 1.2576% | 3,026 |
| Net loans and leases to total assets | 61.4893% | 3,444 |
| Net loans and leases to deposits | 70.8671% | 3,669 |
| Net loans and leases to core deposits | 75.4387% | 3,675 |
| Total domestic deposits to total assets | 86.7670% | 2,851 |
| Equity capital to assets | 12.0777% | 1,753 |
| Core capital (leverage) ratio | 11.6338% | 1,868 |
| Tier 1 risk-based capital ratio | 17.0087% | 2,600 |
| Total risk-based capital ratio | 18.2591% | 2,571 |
| Memoranda: | ||
| Average total assets | $4,036,308,400 | 206 |
| Average earning assets | $3,814,953,600 | 197 |
| Average equity | $472,710,400 | 204 |
| Average total loans | $2,449,233,000 | 210 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 5,968 |
| Cost of funding earning assets | 0.4270% | 4,528 |
| Net interest margin | 2.9276% | 5,748 |
| Noninterest income to average assets | 0.3227% | 5,102 |
| Noninterest expense to average assets | 2.0159% | 5,982 |
| Loan and lease loss provision to assets | -0.0826% | 6,600 |
| Net operating income to assets | 0.7973% | 3,358 |
| Return on assets (ROA) | 0.8267% | 3,339 |
| Pretax return on assets | 1.1985% | 2,701 |
| Return on Equity (ROE) | 7.1142% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.0005% | 1,871 |
| Net charge-offs to loans | 0.0218% | 4,692 |
| Credit loss provision to net charge-offs | -628.1407% | 6,098 |
| Earnings coverage of net charge-offs (x) | 81.6513% | 582 |
| Efficiency ratio | 65.0197% | 4,644 |
| Assets per employee ($millions) | 7.6991% | 534 |
| Cash dividends to net income (ytd only)* | 1.5983% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,067 |
| Loan loss allowance to noncurrent loans | 102.1177% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 3,910 |
| Noncurrent loans to loans | 1.3345% | 3,191 |
| Net loans and leases to total assets | 61.6279% | 3,434 |
| Net loans and leases to deposits | 70.7214% | 3,682 |
| Net loans and leases to core deposits | 75.3978% | 3,687 |
| Total domestic deposits to total assets | 87.1417% | 2,611 |
| Equity capital to assets | 11.8342% | 2,022 |
| Core capital (leverage) ratio | 11.5357% | 2,013 |
| Tier 1 risk-based capital ratio | 16.8498% | 2,769 |
| Total risk-based capital ratio | 18.1003% | 2,732 |
| Memoranda: | ||
| Average total assets | $4,036,544,500 | 203 |
| Average earning assets | $3,814,455,250 | 192 |
| Average equity | $469,043,250 | 203 |
| Average total loans | $2,432,581,750 | 205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 5,985 |
| Cost of funding earning assets | 0.4373% | 4,580 |
| Net interest margin | 2.9244% | 5,739 |
| Noninterest income to average assets | 0.3325% | 5,036 |
| Noninterest expense to average assets | 1.9791% | 6,082 |
| Loan and lease loss provision to assets | 0.0495% | 3,992 |
| Net operating income to assets | 0.7008% | 3,804 |
| Return on assets (ROA) | 0.7227% | 3,873 |
| Pretax return on assets | 1.1006% | 3,093 |
| Return on Equity (ROE) | 6.2578% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0864% | 2,381 |
| Net charge-offs to loans | 0.0048% | 4,810 |
| Credit loss provision to net charge-offs | 1,724.1379% | 182 |
| Earnings coverage of net charge-offs (x) | 389.0000% | 127 |
| Efficiency ratio | 63.6893% | 4,912 |
| Assets per employee ($millions) | 7.9569% | 468 |
| Cash dividends to net income (ytd only)* | 2.7401% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,370 |
| Loan loss allowance to noncurrent loans | 104.5437% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 3,897 |
| Noncurrent loans to loans | 1.4812% | 3,085 |
| Net loans and leases to total assets | 60.2031% | 3,620 |
| Net loans and leases to deposits | 68.9118% | 3,869 |
| Net loans and leases to core deposits | 73.5278% | 3,868 |
| Total domestic deposits to total assets | 87.3625% | 2,610 |
| Equity capital to assets | 11.6103% | 2,207 |
| Core capital (leverage) ratio | 11.3499% | 2,060 |
| Tier 1 risk-based capital ratio | 16.8027% | 2,790 |
| Total risk-based capital ratio | 18.0705% | 2,749 |
| Memoranda: | ||
| Average total assets | $4,039,855,330 | 201 |
| Average earning assets | $3,817,639,330 | 191 |
| Average equity | $466,552,000 | 205 |
| Average total loans | $2,404,842,330 | 208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 6,041 |
| Cost of funding earning assets | 0.4508% | 4,585 |
| Net interest margin | 2.9008% | 5,815 |
| Noninterest income to average assets | 0.3301% | 5,059 |
| Noninterest expense to average assets | 2.0558% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6708% | 3,842 |
| Return on assets (ROA) | 0.6838% | 3,916 |
| Pretax return on assets | 1.0363% | 3,198 |
| Return on Equity (ROE) | 5.9369% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.9369% | 2,711 |
| Net charge-offs to loans | 0.1003% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.2567% | 1,329 |
| Efficiency ratio | 66.6763% | 4,541 |
| Assets per employee ($millions) | 7.8856% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,703 |
| Loan loss allowance to noncurrent loans | 98.2544% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 4,015 |
| Noncurrent loans to loans | 1.5563% | 3,211 |
| Net loans and leases to total assets | 58.2432% | 3,750 |
| Net loans and leases to deposits | 66.6472% | 3,964 |
| Net loans and leases to core deposits | 71.1708% | 3,938 |
| Total domestic deposits to total assets | 87.3904% | 2,699 |
| Equity capital to assets | 11.5806% | 2,347 |
| Core capital (leverage) ratio | 11.1784% | 2,114 |
| Tier 1 risk-based capital ratio | 16.9100% | 2,798 |
| Total risk-based capital ratio | 18.1914% | 2,752 |
| Memoranda: | ||
| Average total assets | $4,046,695,000 | 205 |
| Average earning assets | $3,825,525,500 | 194 |
| Average equity | $466,101,500 | 209 |
| Average total loans | $2,376,259,000 | 213 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 6,011 |
| Cost of funding earning assets | 0.6083% | 4,264 |
| Net interest margin | 3.1134% | 5,784 |
| Noninterest income to average assets | 0.3454% | 4,994 |
| Noninterest expense to average assets | 2.1389% | 6,050 |
| Loan and lease loss provision to assets | 0.1190% | 4,131 |
| Net operating income to assets | 0.6816% | 3,824 |
| Return on assets (ROA) | 0.7001% | 3,990 |
| Pretax return on assets | 1.0519% | 3,350 |
| Return on Equity (ROE) | 6.3142% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.2476% | 1,950 |
| Net charge-offs to loans | 0.4744% | 2,339 |
| Credit loss provision to net charge-offs | 44.8439% | 4,821 |
| Earnings coverage of net charge-offs (x) | 4.3076% | 3,415 |
| Efficiency ratio | 64.9453% | 4,713 |
| Assets per employee ($millions) | 8.0639% | 487 |
| Cash dividends to net income (ytd only)* | 1.0539% | 4,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,416 |
| Loan loss allowance to noncurrent loans | 106.9799% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 4,217 |
| Noncurrent loans to loans | 1.4729% | 3,385 |
| Net loans and leases to total assets | 57.3761% | 4,067 |
| Net loans and leases to deposits | 65.6283% | 4,343 |
| Net loans and leases to core deposits | 70.3242% | 4,262 |
| Total domestic deposits to total assets | 87.4257% | 2,564 |
| Equity capital to assets | 11.4556% | 2,490 |
| Core capital (leverage) ratio | 10.9054% | 2,336 |
| Tier 1 risk-based capital ratio | 16.6605% | 2,809 |
| Total risk-based capital ratio | 17.9417% | 2,771 |
| Memoranda: | ||
| Average total assets | $4,066,180,600 | 203 |
| Average earning assets | $3,835,659,400 | 190 |
| Average equity | $450,842,200 | 212 |
| Average total loans | $2,275,293,800 | 215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 6,051 |
| Cost of funding earning assets | 0.6429% | 4,252 |
| Net interest margin | 3.1455% | 5,832 |
| Noninterest income to average assets | 0.3521% | 5,003 |
| Noninterest expense to average assets | 2.1021% | 6,158 |
| Loan and lease loss provision to assets | 0.2175% | 2,890 |
| Net operating income to assets | 0.6818% | 4,000 |
| Return on assets (ROA) | 0.6943% | 4,188 |
| Pretax return on assets | 1.0171% | 3,647 |
| Return on Equity (ROE) | 6.3144% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.2846% | 2,497 |
| Net charge-offs to loans | 0.5154% | 2,066 |
| Credit loss provision to net charge-offs | 76.2080% | 3,729 |
| Earnings coverage of net charge-offs (x) | 4.2617% | 3,359 |
| Efficiency ratio | 63.1323% | 4,956 |
| Assets per employee ($millions) | 7.6901% | 541 |
| Cash dividends to net income (ytd only)* | 0.4717% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,884 |
| Loan loss allowance to noncurrent loans | 99.7813% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 4,145 |
| Noncurrent loans to loans | 1.7769% | 3,113 |
| Net loans and leases to total assets | 56.1344% | 4,430 |
| Net loans and leases to deposits | 64.4330% | 4,665 |
| Net loans and leases to core deposits | 69.3067% | 4,581 |
| Total domestic deposits to total assets | 87.1206% | 2,600 |
| Equity capital to assets | 11.3190% | 2,915 |
| Core capital (leverage) ratio | 10.6444% | 2,761 |
| Tier 1 risk-based capital ratio | 16.4666% | 3,021 |
| Total risk-based capital ratio | 17.7500% | 2,967 |
| Memoranda: | ||
| Average total assets | $4,070,707,750 | 205 |
| Average earning assets | $3,838,579,250 | 191 |
| Average equity | $447,619,750 | 213 |
| Average total loans | $2,254,165,500 | 217 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 6,022 |
| Cost of funding earning assets | 0.6667% | 4,306 |
| Net interest margin | 3.1889% | 5,773 |
| Noninterest income to average assets | 0.3261% | 5,219 |
| Noninterest expense to average assets | 2.0312% | 6,369 |
| Loan and lease loss provision to assets | 0.2443% | 2,621 |
| Net operating income to assets | 0.7029% | 3,851 |
| Return on assets (ROA) | 0.7029% | 4,117 |
| Pretax return on assets | 1.0563% | 3,486 |
| Return on Equity (ROE) | 6.4552% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.4552% | 2,407 |
| Net charge-offs to loans | 0.7035% | 1,574 |
| Credit loss provision to net charge-offs | 63.3830% | 3,717 |
| Earnings coverage of net charge-offs (x) | 3.3742% | 3,398 |
| Efficiency ratio | 60.7495% | 5,459 |
| Assets per employee ($millions) | 8.1979% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,910 |
| Loan loss allowance to noncurrent loans | 84.7879% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 4,019 |
| Noncurrent loans to loans | 2.1028% | 2,821 |
| Net loans and leases to total assets | 53.9985% | 4,803 |
| Net loans and leases to deposits | 62.1940% | 4,974 |
| Net loans and leases to core deposits | 67.2720% | 4,869 |
| Total domestic deposits to total assets | 86.8228% | 2,880 |
| Equity capital to assets | 10.9721% | 3,150 |
| Core capital (leverage) ratio | 10.4683% | 2,838 |
| Tier 1 risk-based capital ratio | 16.4083% | 2,961 |
| Total risk-based capital ratio | 17.6795% | 2,915 |
| Memoranda: | ||
| Average total assets | $4,076,714,000 | 204 |
| Average earning assets | $3,842,609,670 | 189 |
| Average equity | $443,919,000 | 212 |
| Average total loans | $2,233,548,670 | 217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 5,877 |
| Cost of funding earning assets | 0.6965% | 4,310 |
| Net interest margin | 3.2669% | 5,586 |
| Noninterest income to average assets | 0.3203% | 5,314 |
| Noninterest expense to average assets | 2.1045% | 6,262 |
| Loan and lease loss provision to assets | 0.2452% | 2,502 |
| Net operating income to assets | 0.7209% | 3,777 |
| Return on assets (ROA) | 0.7209% | 3,998 |
| Pretax return on assets | 1.0520% | 3,497 |
| Return on Equity (ROE) | 6.6461% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.6461% | 2,608 |
| Net charge-offs to loans | 0.6268% | 1,542 |
| Credit loss provision to net charge-offs | 71.5312% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.7840% | 2,746 |
| Efficiency ratio | 61.6543% | 5,342 |
| Assets per employee ($millions) | 7.8318% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,666 |
| Loan loss allowance to noncurrent loans | 75.6996% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 3,776 |
| Noncurrent loans to loans | 2.5128% | 2,596 |
| Net loans and leases to total assets | 53.1648% | 4,858 |
| Net loans and leases to deposits | 61.4460% | 4,993 |
| Net loans and leases to core deposits | 66.6266% | 4,840 |
| Total domestic deposits to total assets | 86.5227% | 3,229 |
| Equity capital to assets | 10.8586% | 3,075 |
| Core capital (leverage) ratio | 10.4072% | 2,867 |
| Tier 1 risk-based capital ratio | 16.6538% | 2,837 |
| Total risk-based capital ratio | 17.9143% | 2,786 |
| Memoranda: | ||
| Average total assets | $4,061,492,000 | 201 |
| Average earning assets | $3,831,032,000 | 187 |
| Average equity | $440,557,500 | 210 |
| Average total loans | $2,221,291,000 | 218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 6,290 |
| Cost of funding earning assets | 0.8359% | 4,577 |
| Net interest margin | 3.2581% | 5,938 |
| Noninterest income to average assets | 0.2869% | 5,482 |
| Noninterest expense to average assets | 2.0010% | 6,672 |
| Loan and lease loss provision to assets | 0.2411% | 3,797 |
| Net operating income to assets | 0.7490% | 3,265 |
| Return on assets (ROA) | 0.7207% | 3,553 |
| Pretax return on assets | 1.0779% | 2,914 |
| Return on Equity (ROE) | 6.7905% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.7905% | 1,597 |
| Net charge-offs to loans | 0.6372% | 2,546 |
| Credit loss provision to net charge-offs | 69.4444% | 4,864 |
| Earnings coverage of net charge-offs (x) | 3.9210% | 3,336 |
| Efficiency ratio | 59.2976% | 5,858 |
| Assets per employee ($millions) | 7.9114% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 2,462 |
| Loan loss allowance to noncurrent loans | 66.5330% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6354% | 3,506 |
| Noncurrent loans to loans | 2.9113% | 2,245 |
| Net loans and leases to total assets | 54.1248% | 5,019 |
| Net loans and leases to deposits | 62.5736% | 5,168 |
| Net loans and leases to core deposits | 67.8391% | 5,047 |
| Total domestic deposits to total assets | 86.4978% | 3,028 |
| Equity capital to assets | 10.8356% | 3,153 |
| Core capital (leverage) ratio | 10.1824% | 3,113 |
| Tier 1 risk-based capital ratio | 16.6833% | 2,741 |
| Total risk-based capital ratio | 17.9404% | 2,700 |
| Memoranda: | ||
| Average total assets | $4,023,510,400 | 199 |
| Average earning assets | $3,797,686,000 | 186 |
| Average equity | $427,036,400 | 207 |
| Average total loans | $2,192,161,800 | 218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 6,374 |
| Cost of funding earning assets | 0.8650% | 4,664 |
| Net interest margin | 3.2512% | 6,010 |
| Noninterest income to average assets | 0.2952% | 5,498 |
| Noninterest expense to average assets | 1.9781% | 6,736 |
| Loan and lease loss provision to assets | 0.2404% | 3,604 |
| Net operating income to assets | 0.7605% | 3,338 |
| Return on assets (ROA) | 0.7676% | 3,469 |
| Pretax return on assets | 1.1581% | 2,792 |
| Return on Equity (ROE) | 7.2705% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.2705% | 1,824 |
| Net charge-offs to loans | 0.6717% | 2,230 |
| Credit loss provision to net charge-offs | 65.9091% | 4,608 |
| Earnings coverage of net charge-offs (x) | 3.8043% | 3,289 |
| Efficiency ratio | 58.5553% | 5,925 |
| Assets per employee ($millions) | 7.5935% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,377 |
| Loan loss allowance to noncurrent loans | 62.9855% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 3,487 |
| Noncurrent loans to loans | 3.1494% | 2,206 |
| Net loans and leases to total assets | 53.4958% | 5,243 |
| Net loans and leases to deposits | 62.2881% | 5,367 |
| Net loans and leases to core deposits | 67.6213% | 5,221 |
| Total domestic deposits to total assets | 85.8845% | 3,277 |
| Equity capital to assets | 10.9067% | 3,232 |
| Core capital (leverage) ratio | 10.0737% | 3,343 |
| Tier 1 risk-based capital ratio | 16.5367% | 2,846 |
| Total risk-based capital ratio | 17.7943% | 2,804 |
| Memoranda: | ||
| Average total assets | $4,020,689,750 | 200 |
| Average earning assets | $3,797,345,000 | 187 |
| Average equity | $424,497,000 | 207 |
| Average total loans | $2,183,462,250 | 221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 6,409 |
| Cost of funding earning assets | 0.8982% | 4,685 |
| Net interest margin | 3.2386% | 6,031 |
| Noninterest income to average assets | 0.3138% | 5,390 |
| Noninterest expense to average assets | 1.9882% | 6,818 |
| Loan and lease loss provision to assets | 0.2490% | 3,418 |
| Net operating income to assets | 0.7620% | 3,237 |
| Return on assets (ROA) | 0.7620% | 3,370 |
| Pretax return on assets | 1.1355% | 2,709 |
| Return on Equity (ROE) | 7.2980% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.2980% | 1,742 |
| Net charge-offs to loans | 0.6719% | 2,156 |
| Credit loss provision to net charge-offs | 68.3434% | 4,099 |
| Earnings coverage of net charge-offs (x) | 3.8006% | 3,048 |
| Efficiency ratio | 58.7354% | 6,070 |
| Assets per employee ($millions) | 7.6988% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,227 |
| Loan loss allowance to noncurrent loans | 64.7816% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.7469% | 3,579 |
| Noncurrent loans to loans | 3.1706% | 2,263 |
| Net loans and leases to total assets | 53.8096% | 5,322 |
| Net loans and leases to deposits | 62.0544% | 5,495 |
| Net loans and leases to core deposits | 67.4443% | 5,348 |
| Total domestic deposits to total assets | 86.7136% | 2,912 |
| Equity capital to assets | 10.7648% | 3,211 |
| Core capital (leverage) ratio | 9.8638% | 3,432 |
| Tier 1 risk-based capital ratio | 16.2300% | 2,869 |
| Total risk-based capital ratio | 17.4887% | 2,834 |
| Memoranda: | ||
| Average total assets | $4,016,865,000 | 202 |
| Average earning assets | $3,793,865,330 | 191 |
| Average equity | $419,404,330 | 210 |
| Average total loans | $2,177,718,330 | 225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 6,508 |
| Cost of funding earning assets | 0.9501% | 4,561 |
| Net interest margin | 3.1462% | 6,227 |
| Noninterest income to average assets | 0.3184% | 5,374 |
| Noninterest expense to average assets | 2.0854% | 6,673 |
| Loan and lease loss provision to assets | 0.2731% | 2,969 |
| Net operating income to assets | 0.6478% | 3,758 |
| Return on assets (ROA) | 0.6478% | 3,837 |
| Pretax return on assets | 0.9320% | 3,394 |
| Return on Equity (ROE) | 6.3008% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.3008% | 2,462 |
| Net charge-offs to loans | 0.8926% | 1,482 |
| Credit loss provision to net charge-offs | 56.8182% | 3,604 |
| Earnings coverage of net charge-offs (x) | 2.5070% | 3,079 |
| Efficiency ratio | 63.1554% | 5,492 |
| Assets per employee ($millions) | 7.8414% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 2,210 |
| Loan loss allowance to noncurrent loans | 63.2798% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 3,513 |
| Noncurrent loans to loans | 3.3031% | 2,276 |
| Net loans and leases to total assets | 52.7668% | 5,491 |
| Net loans and leases to deposits | 61.4672% | 5,573 |
| Net loans and leases to core deposits | 66.8693% | 5,421 |
| Total domestic deposits to total assets | 85.8454% | 3,613 |
| Equity capital to assets | 10.3631% | 3,333 |
| Core capital (leverage) ratio | 9.7337% | 3,481 |
| Tier 1 risk-based capital ratio | 15.8894% | 2,960 |
| Total risk-based capital ratio | 17.1482% | 2,928 |
| Memoranda: | ||
| Average total assets | $4,027,453,500 | 198 |
| Average earning assets | $3,804,604,500 | 191 |
| Average equity | $414,043,000 | 208 |
| Average total loans | $2,169,002,000 | 226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 6,345 |
| Cost of funding earning assets | 1.2261% | 4,381 |
| Net interest margin | 3.2925% | 6,002 |
| Noninterest income to average assets | 0.2636% | 5,903 |
| Noninterest expense to average assets | 2.0232% | 6,983 |
| Loan and lease loss provision to assets | 0.3872% | 3,792 |
| Net operating income to assets | 0.6237% | 3,569 |
| Return on assets (ROA) | 0.6355% | 3,659 |
| Pretax return on assets | 0.9791% | 3,001 |
| Return on Equity (ROE) | 6.4510% | 3,376 |
| Retained earnings to average equity (ytd only) | 6.4006% | 1,619 |
| Net charge-offs to loans | 0.4949% | 3,650 |
| Credit loss provision to net charge-offs | 144.0709% | 2,585 |
| Earnings coverage of net charge-offs (x) | 5.0165% | 2,735 |
| Efficiency ratio | 59.7974% | 6,078 |
| Assets per employee ($millions) | 7.7843% | 529 |
| Cash dividends to net income (ytd only)* | 0.7811% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,897 |
| Loan loss allowance to noncurrent loans | 64.3866% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 3,480 |
| Noncurrent loans to loans | 3.3927% | 2,242 |
| Net loans and leases to total assets | 52.6420% | 5,829 |
| Net loans and leases to deposits | 60.8475% | 5,966 |
| Net loans and leases to core deposits | 66.3304% | 5,842 |
| Total domestic deposits to total assets | 86.5146% | 3,068 |
| Equity capital to assets | 10.1981% | 3,504 |
| Core capital (leverage) ratio | 9.4242% | 3,811 |
| Tier 1 risk-based capital ratio | 15.5454% | 2,979 |
| Total risk-based capital ratio | 16.8053% | 2,935 |
| Memoranda: | ||
| Average total assets | $4,029,375,400 | 200 |
| Average earning assets | $3,803,178,200 | 188 |
| Average equity | $396,930,600 | 211 |
| Average total loans | $2,187,909,000 | 225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 6,343 |
| Cost of funding earning assets | 1.2761% | 4,398 |
| Net interest margin | 3.3195% | 5,951 |
| Noninterest income to average assets | 0.2232% | 6,307 |
| Noninterest expense to average assets | 2.0249% | 7,002 |
| Loan and lease loss provision to assets | 0.4501% | 3,220 |
| Net operating income to assets | 0.5596% | 4,053 |
| Return on assets (ROA) | 0.5751% | 4,143 |
| Pretax return on assets | 0.9046% | 3,536 |
| Return on Equity (ROE) | 5.8903% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.8564% | 2,438 |
| Net charge-offs to loans | 0.5009% | 3,276 |
| Credit loss provision to net charge-offs | 165.1087% | 2,276 |
| Earnings coverage of net charge-offs (x) | 4.8805% | 2,907 |
| Efficiency ratio | 60.1326% | 5,928 |
| Assets per employee ($millions) | 7.6926% | 568 |
| Cash dividends to net income (ytd only)* | 0.5754% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,823 |
| Loan loss allowance to noncurrent loans | 66.2247% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 3,687 |
| Noncurrent loans to loans | 3.3122% | 2,392 |
| Net loans and leases to total assets | 52.8894% | 5,995 |
| Net loans and leases to deposits | 61.2263% | 6,193 |
| Net loans and leases to core deposits | 67.1303% | 6,029 |
| Total domestic deposits to total assets | 86.3835% | 2,865 |
| Equity capital to assets | 10.0832% | 4,052 |
| Core capital (leverage) ratio | 9.2423% | 4,292 |
| Tier 1 risk-based capital ratio | 15.2423% | 3,130 |
| Total risk-based capital ratio | 16.5025% | 3,095 |
| Memoranda: | ||
| Average total assets | $4,028,649,500 | 200 |
| Average earning assets | $3,801,425,000 | 189 |
| Average equity | $393,359,250 | 211 |
| Average total loans | $2,192,366,750 | 220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 6,366 |
| Cost of funding earning assets | 1.3196% | 4,421 |
| Net interest margin | 3.3134% | 5,966 |
| Noninterest income to average assets | 0.2405% | 6,184 |
| Noninterest expense to average assets | 1.9928% | 7,126 |
| Loan and lease loss provision to assets | 0.5071% | 2,768 |
| Net operating income to assets | 0.5657% | 4,015 |
| Return on assets (ROA) | 0.5715% | 4,133 |
| Pretax return on assets | 0.8732% | 3,606 |
| Return on Equity (ROE) | 5.9179% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.8665% | 2,408 |
| Net charge-offs to loans | 0.6394% | 2,628 |
| Credit loss provision to net charge-offs | 145.4234% | 2,729 |
| Earnings coverage of net charge-offs (x) | 3.9327% | 3,118 |
| Efficiency ratio | 59.0193% | 6,220 |
| Assets per employee ($millions) | 7.8571% | 530 |
| Cash dividends to net income (ytd only)* | 0.8699% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 1,946 |
| Loan loss allowance to noncurrent loans | 72.4922% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 3,961 |
| Noncurrent loans to loans | 2.9130% | 2,744 |
| Net loans and leases to total assets | 51.6851% | 6,246 |
| Net loans and leases to deposits | 59.4646% | 6,457 |
| Net loans and leases to core deposits | 64.9494% | 6,319 |
| Total domestic deposits to total assets | 86.9174% | 2,572 |
| Equity capital to assets | 9.8237% | 4,239 |
| Core capital (leverage) ratio | 9.1062% | 4,452 |
| Tier 1 risk-based capital ratio | 15.0773% | 3,119 |
| Total risk-based capital ratio | 16.3363% | 3,077 |
| Memoranda: | ||
| Average total assets | $4,022,761,670 | 200 |
| Average earning assets | $3,792,330,000 | 191 |
| Average equity | $388,479,670 | 212 |
| Average total loans | $2,193,800,670 | 224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 6,315 |
| Cost of funding earning assets | 1.3850% | 4,273 |
| Net interest margin | 3.2947% | 5,997 |
| Noninterest income to average assets | 0.2770% | 5,930 |
| Noninterest expense to average assets | 1.9754% | 7,204 |
| Loan and lease loss provision to assets | 0.5126% | 2,448 |
| Net operating income to assets | 0.5749% | 4,007 |
| Return on assets (ROA) | 0.5813% | 4,126 |
| Pretax return on assets | 0.8994% | 3,474 |
| Return on Equity (ROE) | 6.0733% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.0733% | 2,588 |
| Net charge-offs to loans | 0.6111% | 2,290 |
| Credit loss provision to net charge-offs | 151.3353% | 2,359 |
| Earnings coverage of net charge-offs (x) | 4.1398% | 2,697 |
| Efficiency ratio | 58.2669% | 6,447 |
| Assets per employee ($millions) | 7.8102% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 2,155 |
| Loan loss allowance to noncurrent loans | 67.5838% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 3,860 |
| Noncurrent loans to loans | 2.9762% | 2,697 |
| Net loans and leases to total assets | 53.9389% | 6,031 |
| Net loans and leases to deposits | 63.2466% | 6,142 |
| Net loans and leases to core deposits | 69.4097% | 5,962 |
| Total domestic deposits to total assets | 85.2834% | 3,520 |
| Equity capital to assets | 9.6536% | 4,301 |
| Core capital (leverage) ratio | 9.2069% | 4,211 |
| Tier 1 risk-based capital ratio | 14.7749% | 3,220 |
| Total risk-based capital ratio | 16.0329% | 3,175 |
| Memoranda: | ||
| Average total assets | $3,979,503,500 | 205 |
| Average earning assets | $3,745,190,500 | 198 |
| Average equity | $380,878,000 | 220 |
| Average total loans | $2,205,850,500 | 233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 6,781 |
| Cost of funding earning assets | 1.8148% | 3,912 |
| Net interest margin | 3.0546% | 6,508 |
| Noninterest income to average assets | 0.2318% | 6,455 |
| Noninterest expense to average assets | 2.0834% | 7,217 |
| Loan and lease loss provision to assets | 0.5112% | 3,818 |
| Net operating income to assets | 0.3599% | 4,288 |
| Return on assets (ROA) | 0.3781% | 4,316 |
| Pretax return on assets | 0.5387% | 4,082 |
| Return on Equity (ROE) | 4.1065% | 4,040 |
| Retained earnings to average equity (ytd only) | -3.1551% | 5,731 |
| Net charge-offs to loans | 0.2528% | 5,040 |
| Credit loss provision to net charge-offs | 359.5994% | 889 |
| Earnings coverage of net charge-offs (x) | 7.2016% | 2,201 |
| Efficiency ratio | 66.9303% | 5,201 |
| Assets per employee ($millions) | 7.5716% | 615 |
| Cash dividends to net income (ytd only)* | 176.8313% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,185 |
| Loan loss allowance to noncurrent loans | 91.5872% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 4,484 |
| Noncurrent loans to loans | 2.1099% | 3,501 |
| Net loans and leases to total assets | 54.7411% | 6,117 |
| Net loans and leases to deposits | 63.2920% | 6,341 |
| Net loans and leases to core deposits | 83.0552% | 5,812 |
| Total domestic deposits to total assets | 86.4898% | 2,770 |
| Equity capital to assets | 9.4873% | 4,427 |
| Core capital (leverage) ratio | 8.9595% | 4,492 |
| Tier 1 risk-based capital ratio | 14.5498% | 3,176 |
| Total risk-based capital ratio | 15.8068% | 3,122 |
| Memoranda: | ||
| Average total assets | $3,967,803,600 | 211 |
| Average earning assets | $3,735,139,600 | 200 |
| Average equity | $365,346,600 | 224 |
| Average total loans | $2,231,706,600 | 235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 6,982 |
| Cost of funding earning assets | 1.8888% | 3,936 |
| Net interest margin | 2.9729% | 6,679 |
| Noninterest income to average assets | 0.2221% | 6,639 |
| Noninterest expense to average assets | 2.0335% | 7,324 |
| Loan and lease loss provision to assets | 0.5165% | 3,320 |
| Net operating income to assets | 0.3360% | 4,655 |
| Return on assets (ROA) | 0.3651% | 4,635 |
| Pretax return on assets | 0.5133% | 4,478 |
| Return on Equity (ROE) | 3.9951% | 4,377 |
| Retained earnings to average equity (ytd only) | -4.4653% | 6,182 |
| Net charge-offs to loans | 0.3392% | 3,945 |
| Credit loss provision to net charge-offs | 270.2442% | 1,574 |
| Earnings coverage of net charge-offs (x) | 5.1737% | 2,904 |
| Efficiency ratio | 67.2839% | 5,122 |
| Assets per employee ($millions) | 7.4198% | 659 |
| Cash dividends to net income (ytd only)* | 211.7701% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 2,604 |
| Loan loss allowance to noncurrent loans | 93.7360% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 4,783 |
| Noncurrent loans to loans | 1.8201% | 3,887 |
| Net loans and leases to total assets | 54.9957% | 6,267 |
| Net loans and leases to deposits | 63.8148% | 6,506 |
| Net loans and leases to core deposits | 84.7037% | 5,986 |
| Total domestic deposits to total assets | 86.1801% | 2,602 |
| Equity capital to assets | 9.6274% | 4,589 |
| Core capital (leverage) ratio | 8.8816% | 4,840 |
| Tier 1 risk-based capital ratio | 14.4841% | 3,286 |
| Total risk-based capital ratio | 15.7388% | 3,229 |
| Memoranda: | ||
| Average total assets | $3,971,655,250 | 222 |
| Average earning assets | $3,740,852,500 | 209 |
| Average equity | $362,939,500 | 233 |
| Average total loans | $2,238,078,500 | 250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 6,878 |
| Cost of funding earning assets | 1.9469% | 4,024 |
| Net interest margin | 3.0216% | 6,483 |
| Noninterest income to average assets | 0.2625% | 6,395 |
| Noninterest expense to average assets | 2.0935% | 7,289 |
| Loan and lease loss provision to assets | 0.4995% | 3,038 |
| Net operating income to assets | 0.3609% | 4,656 |
| Return on assets (ROA) | 0.4090% | 4,584 |
| Pretax return on assets | 0.6064% | 4,303 |
| Return on Equity (ROE) | 4.3725% | 4,351 |
| Retained earnings to average equity (ytd only) | -8.5806% | 6,728 |
| Net charge-offs to loans | 0.4187% | 3,125 |
| Credit loss provision to net charge-offs | 221.7295% | 2,069 |
| Earnings coverage of net charge-offs (x) | 4.5908% | 3,057 |
| Efficiency ratio | 66.9358% | 5,376 |
| Assets per employee ($millions) | 7.6737% | 572 |
| Cash dividends to net income (ytd only)* | 296.2410% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 3,386 |
| Loan loss allowance to noncurrent loans | 104.2242% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,363 |
| Noncurrent loans to loans | 1.4062% | 4,398 |
| Net loans and leases to total assets | 52.2024% | 6,663 |
| Net loans and leases to deposits | 60.0147% | 6,888 |
| Net loans and leases to core deposits | 80.2993% | 6,383 |
| Total domestic deposits to total assets | 86.9827% | 2,267 |
| Equity capital to assets | 9.1757% | 5,057 |
| Core capital (leverage) ratio | 9.2578% | 4,225 |
| Tier 1 risk-based capital ratio | 15.3829% | 2,864 |
| Total risk-based capital ratio | 16.6342% | 2,789 |
| Memoranda: | ||
| Average total assets | $3,603,843,670 | 235 |
| Average earning assets | $3,417,157,330 | 226 |
| Average equity | $337,063,670 | 240 |
| Average total loans | $1,938,823,330 | 292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 6,927 |
| Cost of funding earning assets | 2.0262% | 4,003 |
| Net interest margin | 2.9755% | 6,544 |
| Noninterest income to average assets | 0.2166% | 6,741 |
| Noninterest expense to average assets | 1.9521% | 7,442 |
| Loan and lease loss provision to assets | 0.4997% | 2,466 |
| Net operating income to assets | 0.3897% | 4,894 |
| Return on assets (ROA) | 0.4731% | 4,741 |
| Pretax return on assets | 0.7156% | 4,377 |
| Return on Equity (ROE) | 5.0110% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.0110% | 3,126 |
| Net charge-offs to loans | 0.3345% | 2,754 |
| Credit loss provision to net charge-offs | 275.5664% | 1,737 |
| Earnings coverage of net charge-offs (x) | 6.0055% | 2,566 |
| Efficiency ratio | 64.1923% | 5,651 |
| Assets per employee ($millions) | 7.8708% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,889 |
| Loan loss allowance to noncurrent loans | 81.0059% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 4,780 |
| Noncurrent loans to loans | 1.6470% | 3,805 |
| Net loans and leases to total assets | 53.0804% | 6,572 |
| Net loans and leases to deposits | 62.8341% | 6,662 |
| Net loans and leases to core deposits | 83.7294% | 6,080 |
| Total domestic deposits to total assets | 84.4770% | 3,470 |
| Equity capital to assets | 9.5053% | 4,657 |
| Core capital (leverage) ratio | 9.7838% | 3,653 |
| Tier 1 risk-based capital ratio | 16.1849% | 2,619 |
| Total risk-based capital ratio | 17.4350% | 2,564 |
| Memoranda: | ||
| Average total assets | $3,602,455,000 | 240 |
| Average earning assets | $3,419,555,500 | 228 |
| Average equity | $340,129,000 | 241 |
| Average total loans | $1,952,861,000 | 292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 7,393 |
| Cost of funding earning assets | 2.5849% | 3,762 |
| Net interest margin | 2.8656% | 7,222 |
| Noninterest income to average assets | 0.2197% | 6,870 |
| Noninterest expense to average assets | 1.8293% | 7,720 |
| Loan and lease loss provision to assets | 0.4145% | 3,209 |
| Net operating income to assets | 0.4457% | 4,967 |
| Return on assets (ROA) | 0.4370% | 4,828 |
| Pretax return on assets | 0.6738% | 4,470 |
| Return on Equity (ROE) | 4.7610% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.7610% | 2,178 |
| Net charge-offs to loans | 0.5552% | 2,158 |
| Credit loss provision to net charge-offs | 142.2278% | 3,726 |
| Earnings coverage of net charge-offs (x) | 3.7805% | 4,225 |
| Efficiency ratio | 62.4116% | 5,874 |
| Assets per employee ($millions) | 7.6922% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,734 |
| Loan loss allowance to noncurrent loans | 80.5132% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 4,861 |
| Noncurrent loans to loans | 1.4599% | 3,610 |
| Net loans and leases to total assets | 53.9805% | 6,656 |
| Net loans and leases to deposits | 65.0041% | 6,717 |
| Net loans and leases to core deposits | 86.5172% | 6,098 |
| Total domestic deposits to total assets | 83.0418% | 3,753 |
| Equity capital to assets | 9.3775% | 4,848 |
| Core capital (leverage) ratio | 9.6932% | 3,774 |
| Tier 1 risk-based capital ratio | 16.3026% | 2,553 |
| Total risk-based capital ratio | 17.4497% | 2,523 |
| Memoranda: | ||
| Average total assets | $3,582,765,600 | 227 |
| Average earning assets | $3,389,783,200 | 218 |
| Average equity | $328,819,800 | 254 |
| Average total loans | $1,880,551,000 | 289 |