Home > Monet Bank > Performance and Condition Ratios
Monet Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 2,177 |
| Cost of funding earning assets | 3.6052% | 87 |
| Net interest margin | 1.8558% | 4,329 |
| Noninterest income to average assets | -1.6300% | 4,470 |
| Noninterest expense to average assets | 0.5568% | 4,413 |
| Loan and lease loss provision to assets | -0.1900% | 4,380 |
| Net operating income to assets | 0.1630% | 4,015 |
| Return on assets (ROA) | 0.5587% | 3,459 |
| Pretax return on assets | 0.1410% | 4,084 |
| Return on Equity (ROE) | 3.1900% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.1915% | 3,046 |
| Net charge-offs to loans | -0.0138% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 490.0000% | 35 |
| Assets per employee ($millions) | 147.3008% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6564% | 105 |
| Loan loss allowance to noncurrent loans | 29.0840% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 918 |
| Noncurrent loans to loans | 12.5720% | 7 |
| Net loans and leases to total assets | 5.8800% | 4,340 |
| Net loans and leases to deposits | 9.7649% | 4,348 |
| Net loans and leases to core deposits | 57.3169% | 3,786 |
| Total domestic deposits to total assets | 60.2200% | 4,305 |
| Equity capital to assets | 18.4324% | 332 |
| Core capital (leverage) ratio | 17.0308% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 245.6414% | 37 |
| Memoranda: | ||
| Average total assets | $6,476,913,000 | 240 |
| Average earning assets | $6,090,641,500 | 232 |
| Average equity | $1,133,770,000 | 163 |
| Average total loans | $666,965,000 | 1,070 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 2,516 |
| Cost of funding earning assets | 3.5157% | 185 |
| Net interest margin | 1.7920% | 4,330 |
| Noninterest income to average assets | 4.7600% | 149 |
| Noninterest expense to average assets | 1.1162% | 4,388 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 3.9921% | 92 |
| Return on assets (ROA) | 3.9931% | 97 |
| Pretax return on assets | 5.1922% | 89 |
| Return on Equity (ROE) | 21.5600% | 309 |
| Retained earnings to average equity (ytd only) | 11.8412% | 315 |
| Net charge-offs to loans | 0.0244% | 2,091 |
| Credit loss provision to net charge-offs | 2,244.0816% | 209 |
| Earnings coverage of net charge-offs (x) | 1,199.3469% | 107 |
| Efficiency ratio | 17.4261% | 4,460 |
| Assets per employee ($millions) | 43.5519% | 31 |
| Cash dividends to net income (ytd only)* | 45.0775% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 718 |
| Loan loss allowance to noncurrent loans | 31.5340% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 904 |
| Noncurrent loans to loans | 5.2332% | 57 |
| Net loans and leases to total assets | 14.0700% | 4,343 |
| Net loans and leases to deposits | 22.2997% | 4,331 |
| Net loans and leases to core deposits | 178.7849% | 77 |
| Total domestic deposits to total assets | 63.1100% | 4,308 |
| Equity capital to assets | 16.6173% | 421 |
| Core capital (leverage) ratio | 17.4768% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.9534% | 84 |
| Memoranda: | ||
| Average total assets | $5,555,572,800 | 266 |
| Average earning assets | $5,102,952,800 | 259 |
| Average equity | $1,028,945,600 | 173 |
| Average total loans | $1,005,094,200 | 750 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 2,369 |
| Cost of funding earning assets | 3.5228% | 188 |
| Net interest margin | 1.8285% | 4,342 |
| Noninterest income to average assets | 4.0200% | 152 |
| Noninterest expense to average assets | 1.2176% | 4,391 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 3.3064% | 120 |
| Return on assets (ROA) | 3.3076% | 122 |
| Pretax return on assets | 4.3629% | 97 |
| Return on Equity (ROE) | 17.3000% | 653 |
| Retained earnings to average equity (ytd only) | 4.1164% | 2,806 |
| Net charge-offs to loans | 0.0429% | 1,504 |
| Credit loss provision to net charge-offs | 1,782.6220% | 265 |
| Earnings coverage of net charge-offs (x) | 540.5122% | 231 |
| Efficiency ratio | 21.4128% | 4,488 |
| Assets per employee ($millions) | 38.3223% | 36 |
| Cash dividends to net income (ytd only)* | 76.2085% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,432 |
| Loan loss allowance to noncurrent loans | 31.8145% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 733 |
| Noncurrent loans to loans | 3.0210% | 200 |
| Net loans and leases to total assets | 28.1200% | 4,277 |
| Net loans and leases to deposits | 46.4104% | 4,053 |
| Net loans and leases to core deposits | 316.4140% | 19 |
| Total domestic deposits to total assets | 60.6000% | 4,354 |
| Equity capital to assets | 17.2559% | 391 |
| Core capital (leverage) ratio | 17.5793% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.9329% | 85 |
| Memoranda: | ||
| Average total assets | $5,289,493,500 | 269 |
| Average earning assets | $4,831,105,500 | 266 |
| Average equity | $1,011,171,000 | 176 |
| Average total loans | $1,019,536,750 | 743 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7596% | 1,509 |
| Cost of funding earning assets | 3.4039% | 213 |
| Net interest margin | 2.3557% | 4,036 |
| Noninterest income to average assets | 9.3300% | 101 |
| Noninterest expense to average assets | 1.2759% | 4,393 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 7.7515% | 51 |
| Return on assets (ROA) | 7.7523% | 52 |
| Pretax return on assets | 10.1007% | 53 |
| Return on Equity (ROE) | 39.1100% | 63 |
| Retained earnings to average equity (ytd only) | 19.3666% | 135 |
| Net charge-offs to loans | -0.0562% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 11.1340% | 4,524 |
| Assets per employee ($millions) | 31.2665% | 43 |
| Cash dividends to net income (ytd only)* | 50.4773% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 671 |
| Loan loss allowance to noncurrent loans | 28.0910% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 502 |
| Noncurrent loans to loans | 6.0523% | 41 |
| Net loans and leases to total assets | 17.1200% | 4,381 |
| Net loans and leases to deposits | 34.0975% | 4,286 |
| Net loans and leases to core deposits | 161.3956% | 131 |
| Total domestic deposits to total assets | 50.2200% | 4,407 |
| Equity capital to assets | 21.5951% | 237 |
| Core capital (leverage) ratio | 21.4668% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.1248% | 78 |
| Memoranda: | ||
| Average total assets | $5,110,995,000 | 276 |
| Average earning assets | $4,618,004,333 | 278 |
| Average equity | $1,013,176,000 | 174 |
| Average total loans | $808,009,333 | 891 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 1,145 |
| Cost of funding earning assets | 3.4522% | 177 |
| Net interest margin | 2.4858% | 3,883 |
| Noninterest income to average assets | 14.6300% | 85 |
| Noninterest expense to average assets | 1.2703% | 4,418 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 11.9340% | 38 |
| Return on assets (ROA) | 11.9356% | 39 |
| Pretax return on assets | 15.4914% | 39 |
| Return on Equity (ROE) | 62.7500% | 24 |
| Retained earnings to average equity (ytd only) | 62.7526% | 16 |
| Net charge-offs to loans | -0.0568% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 7.5292% | 4,531 |
| Assets per employee ($millions) | 31.4506% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,208 |
| Loan loss allowance to noncurrent loans | 24.2349% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 507 |
| Noncurrent loans to loans | 5.9964% | 34 |
| Net loans and leases to total assets | 17.0200% | 4,401 |
| Net loans and leases to deposits | 34.3376% | 4,282 |
| Net loans and leases to core deposits | 169.6213% | 125 |
| Total domestic deposits to total assets | 49.5600% | 4,459 |
| Equity capital to assets | 22.3958% | 225 |
| Core capital (leverage) ratio | 20.4370% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.7007% | 76 |
| Memoranda: | ||
| Average total assets | $5,274,606,500 | 273 |
| Average earning assets | $4,761,113,500 | 270 |
| Average equity | $1,003,234,500 | 177 |
| Average total loans | $795,347,500 | 899 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 2,859 |
| Cost of funding earning assets | 3.3730% | 89 |
| Net interest margin | 1.2453% | 4,531 |
| Noninterest income to average assets | 2.2300% | 240 |
| Noninterest expense to average assets | 1.5613% | 4,280 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3235% | 1,387 |
| Return on assets (ROA) | 1.3249% | 1,348 |
| Pretax return on assets | 1.7249% | 1,011 |
| Return on Equity (ROE) | 10.2300% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.2304% | 956 |
| Net charge-offs to loans | -0.0694% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.6173% | 4,171 |
| Assets per employee ($millions) | 36.8118% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,484 |
| Loan loss allowance to noncurrent loans | 20.7696% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 527 |
| Noncurrent loans to loans | 6.6252% | 28 |
| Net loans and leases to total assets | 13.0400% | 4,437 |
| Net loans and leases to deposits | 36.2089% | 4,272 |
| Net loans and leases to core deposits | 139.2079% | 283 |
| Total domestic deposits to total assets | 36.0100% | 4,488 |
| Equity capital to assets | 16.1546% | 451 |
| Core capital (leverage) ratio | 14.7886% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.2257% | 79 |
| Memoranda: | ||
| Average total assets | $6,692,952,600 | 219 |
| Average earning assets | $6,020,197,200 | 220 |
| Average equity | $866,804,800 | 182 |
| Average total loans | $568,062,400 | 1,120 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 2,751 |
| Cost of funding earning assets | 3.2597% | 87 |
| Net interest margin | 1.3114% | 4,544 |
| Noninterest income to average assets | 4.6800% | 132 |
| Noninterest expense to average assets | 1.4224% | 4,378 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 3.4175% | 139 |
| Return on assets (ROA) | 3.4194% | 139 |
| Pretax return on assets | 4.4251% | 109 |
| Return on Equity (ROE) | 27.8200% | 277 |
| Retained earnings to average equity (ytd only) | 27.8172% | 111 |
| Net charge-offs to loans | -0.0708% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 24.2879% | 4,542 |
| Assets per employee ($millions) | 44.2993% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 683 |
| Loan loss allowance to noncurrent loans | 19.9600% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 734 |
| Noncurrent loans to loans | 8.5545% | 16 |
| Net loans and leases to total assets | 8.1000% | 4,479 |
| Net loans and leases to deposits | 17.4306% | 4,460 |
| Net loans and leases to core deposits | 76.3421% | 2,843 |
| Total domestic deposits to total assets | 46.4800% | 4,508 |
| Equity capital to assets | 13.9583% | 660 |
| Core capital (leverage) ratio | 15.4879% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.8985% | 66 |
| Memoranda: | ||
| Average total assets | $6,939,734,000 | 213 |
| Average earning assets | $6,227,905,000 | 214 |
| Average equity | $853,068,000 | 185 |
| Average total loans | $521,508,750 | 1,190 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 2,664 |
| Cost of funding earning assets | 3.2077% | 61 |
| Net interest margin | 1.2830% | 4,590 |
| Noninterest income to average assets | 2.3500% | 211 |
| Noninterest expense to average assets | 1.4094% | 4,409 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 1.6774% | 820 |
| Return on assets (ROA) | 1.6803% | 821 |
| Pretax return on assets | 2.1927% | 541 |
| Return on Equity (ROE) | 14.3200% | 1,617 |
| Retained earnings to average equity (ytd only) | 14.3176% | 644 |
| Net charge-offs to loans | -0.0389% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.2452% | 4,387 |
| Assets per employee ($millions) | 44.7186% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 673 |
| Loan loss allowance to noncurrent loans | 17.1346% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 610 |
| Noncurrent loans to loans | 10.2530% | 11 |
| Net loans and leases to total assets | 7.4200% | 4,512 |
| Net loans and leases to deposits | 16.1869% | 4,492 |
| Net loans and leases to core deposits | 69.0568% | 3,179 |
| Total domestic deposits to total assets | 45.8100% | 4,534 |
| Equity capital to assets | 13.1586% | 778 |
| Core capital (leverage) ratio | 13.3236% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.0581% | 68 |
| Memoranda: | ||
| Average total assets | $6,934,647,333 | 208 |
| Average earning assets | $6,203,089,667 | 211 |
| Average equity | $813,825,000 | 185 |
| Average total loans | $504,245,333 | 1,204 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,722 |
| Cost of funding earning assets | 2.8667% | 46 |
| Net interest margin | 1.0103% | 4,656 |
| Noninterest income to average assets | -1.7300% | 4,675 |
| Noninterest expense to average assets | 1.3109% | 4,533 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | -1.5525% | 4,637 |
| Return on assets (ROA) | -1.5525% | 4,632 |
| Pretax return on assets | -2.0013% | 4,640 |
| Return on Equity (ROE) | -14.0000% | 4,618 |
| Retained earnings to average equity (ytd only) | -13.9978% | 4,537 |
| Net charge-offs to loans | -0.0711% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 0.0000% | 4,671 |
| Assets per employee ($millions) | 54.2822% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 486 |
| Loan loss allowance to noncurrent loans | 18.7210% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 673 |
| Noncurrent loans to loans | 10.4165% | 11 |
| Net loans and leases to total assets | 6.4100% | 4,586 |
| Net loans and leases to deposits | 11.5726% | 4,578 |
| Net loans and leases to core deposits | 70.5507% | 2,917 |
| Total domestic deposits to total assets | 55.4200% | 4,559 |
| Equity capital to assets | 10.3773% | 1,622 |
| Core capital (leverage) ratio | 12.6061% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.2059% | 70 |
| Memoranda: | ||
| Average total assets | $7,159,874,500 | 210 |
| Average earning assets | $6,443,893,500 | 206 |
| Average equity | $794,124,000 | 193 |
| Average total loans | $511,635,000 | 1,207 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 1,283 |
| Cost of funding earning assets | 1.7124% | 12 |
| Net interest margin | 2.4697% | 4,312 |
| Noninterest income to average assets | 11.3500% | 92 |
| Noninterest expense to average assets | 3.7713% | 395 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 7.4117% | 50 |
| Return on assets (ROA) | 7.0051% | 52 |
| Pretax return on assets | 9.1622% | 51 |
| Return on Equity (ROE) | 42.2100% | 49 |
| Retained earnings to average equity (ytd only) | 42.2071% | 17 |
| Net charge-offs to loans | 0.3399% | 222 |
| Credit loss provision to net charge-offs | 88.6525% | 1,644 |
| Earnings coverage of net charge-offs (x) | 125.1407% | 867 |
| Efficiency ratio | 27.8997% | 4,666 |
| Assets per employee ($millions) | 47.9565% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 2,986 |
| Loan loss allowance to noncurrent loans | 7.2942% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 308 |
| Noncurrent loans to loans | 14.8080% | 5 |
| Net loans and leases to total assets | 7.7600% | 4,614 |
| Net loans and leases to deposits | 11.4775% | 4,608 |
| Net loans and leases to core deposits | 75.5331% | 2,460 |
| Total domestic deposits to total assets | 67.5700% | 4,510 |
| Equity capital to assets | 11.9111% | 960 |
| Core capital (leverage) ratio | 13.2624% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.2009% | 71 |
| Memoranda: | ||
| Average total assets | $4,345,162,400 | 296 |
| Average earning assets | $3,805,121,000 | 300 |
| Average equity | $721,170,600 | 210 |
| Average total loans | $995,511,000 | 685 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 1,442 |
| Cost of funding earning assets | 1.1298% | 33 |
| Net interest margin | 2.7889% | 3,762 |
| Noninterest income to average assets | 16.3400% | 80 |
| Noninterest expense to average assets | 4.4577% | 260 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 11.0587% | 42 |
| Return on assets (ROA) | 10.3663% | 42 |
| Pretax return on assets | 13.5238% | 42 |
| Return on Equity (ROE) | 55.5200% | 25 |
| Retained earnings to average equity (ytd only) | 55.5203% | 11 |
| Net charge-offs to loans | -0.0663% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 23.7483% | 4,715 |
| Assets per employee ($millions) | 39.3023% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2721% | 4,599 |
| Loan loss allowance to noncurrent loans | 5.0815% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6108% | 199 |
| Noncurrent loans to loans | 5.3552% | 49 |
| Net loans and leases to total assets | 28.0100% | 4,459 |
| Net loans and leases to deposits | 47.0685% | 3,988 |
| Net loans and leases to core deposits | 180.1451% | 34 |
| Total domestic deposits to total assets | 59.5200% | 4,622 |
| Equity capital to assets | 14.4978% | 505 |
| Core capital (leverage) ratio | 18.5640% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.4653% | 78 |
| Memoranda: | ||
| Average total assets | $3,764,964,500 | 328 |
| Average earning assets | $3,277,840,500 | 332 |
| Average equity | $702,966,000 | 214 |
| Average total loans | $1,113,733,000 | 614 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 908 |
| Cost of funding earning assets | 0.7010% | 159 |
| Net interest margin | 3.3187% | 1,856 |
| Noninterest income to average assets | 13.4868% | 47 |
| Noninterest expense to average assets | 3.6526% | 376 |
| Loan and lease loss provision to assets | -0.1034% | 4,597 |
| Net operating income to assets | 9.9100% | 21 |
| Return on assets (ROA) | 8.8687% | 22 |
| Pretax return on assets | 11.5290% | 21 |
| Return on Equity (ROE) | 42.2443% | 22 |
| Retained earnings to average equity (ytd only) | 42.2443% | 9 |
| Net charge-offs to loans | -0.0432% | 4,178 |
| Credit loss provision to net charge-offs | 786.3208% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2770% | 4,749 |
| Assets per employee ($millions) | 31.6815% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 4,676 |
| Loan loss allowance to noncurrent loans | 5.3712% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.9828% | 141 |
| Noncurrent loans to loans | 4.9105% | 66 |
| Net loans and leases to total assets | 38.4465% | 4,150 |
| Net loans and leases to deposits | 68.7814% | 2,319 |
| Net loans and leases to core deposits | 289.3494% | 17 |
| Total domestic deposits to total assets | 55.8967% | 4,707 |
| Equity capital to assets | 15.9923% | 338 |
| Core capital (leverage) ratio | 19.5882% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9079% | 67 |
| Memoranda: | ||
| Average total assets | $3,225,145,667 | 364 |
| Average earning assets | $2,827,542,333 | 378 |
| Average equity | $677,081,000 | 218 |
| Average total loans | $980,799,333 | 679 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 493 |
| Cost of funding earning assets | 0.3226% | 1,440 |
| Net interest margin | 3.9053% | 498 |
| Noninterest income to average assets | 12.8348% | 49 |
| Noninterest expense to average assets | 2.6079% | 1,579 |
| Loan and lease loss provision to assets | -0.1391% | 4,636 |
| Net operating income to assets | 10.5519% | 24 |
| Return on assets (ROA) | 9.9098% | 24 |
| Pretax return on assets | 13.0274% | 23 |
| Return on Equity (ROE) | 39.1069% | 31 |
| Retained earnings to average equity (ytd only) | 39.1069% | 19 |
| Net charge-offs to loans | -0.0411% | 4,191 |
| Credit loss provision to net charge-offs | 1,451.6129% | 274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.9904% | 4,783 |
| Assets per employee ($millions) | 21.9777% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,090 |
| Loan loss allowance to noncurrent loans | 3.1909% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 5.4153% | 15 |
| Noncurrent loans to loans | 27.6267% | 1 |
| Net loans and leases to total assets | 18.9691% | 4,681 |
| Net loans and leases to deposits | 27.2050% | 4,618 |
| Net loans and leases to core deposits | 114.6440% | 188 |
| Total domestic deposits to total assets | 69.7264% | 4,661 |
| Equity capital to assets | 22.0638% | 118 |
| Core capital (leverage) ratio | 26.6540% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.5526% | 47 |
| Memoranda: | ||
| Average total assets | $2,588,335,500 | 443 |
| Average earning assets | $2,302,511,000 | 451 |
| Average equity | $655,894,500 | 226 |
| Average total loans | $604,103,000 | 1,012 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7935% | 47 |
| Cost of funding earning assets | 0.1488% | 3,990 |
| Net interest margin | 6.6447% | 38 |
| Noninterest income to average assets | 6.3129% | 91 |
| Noninterest expense to average assets | 4.0335% | 280 |
| Loan and lease loss provision to assets | -0.2804% | 4,763 |
| Net operating income to assets | 6.2308% | 33 |
| Return on assets (ROA) | 6.4536% | 30 |
| Pretax return on assets | 8.4912% | 30 |
| Return on Equity (ROE) | 20.7425% | 275 |
| Retained earnings to average equity (ytd only) | 20.7425% | 53 |
| Net charge-offs to loans | -0.2044% | 4,711 |
| Credit loss provision to net charge-offs | 360.3089% | 968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7187% | 4,771 |
| Assets per employee ($millions) | 14.9985% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,860 |
| Loan loss allowance to noncurrent loans | 6.7850% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 4.4033% | 36 |
| Noncurrent loans to loans | 14.3467% | 5 |
| Net loans and leases to total assets | 29.2091% | 4,535 |
| Net loans and leases to deposits | 45.3918% | 4,122 |
| Net loans and leases to core deposits | 161.0524% | 43 |
| Total domestic deposits to total assets | 64.3488% | 4,743 |
| Equity capital to assets | 30.1416% | 62 |
| Core capital (leverage) ratio | 29.3944% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.6464% | 55 |
| Memoranda: | ||
| Average total assets | $1,913,229,000 | 561 |
| Average earning assets | $1,626,631,200 | 591 |
| Average equity | $595,265,000 | 243 |
| Average total loans | $728,337,800 | 849 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9906% | 43 |
| Cost of funding earning assets | 0.1610% | 4,004 |
| Net interest margin | 6.8296% | 35 |
| Noninterest income to average assets | 8.0768% | 83 |
| Noninterest expense to average assets | 4.0276% | 276 |
| Loan and lease loss provision to assets | -0.0508% | 4,461 |
| Net operating income to assets | 7.5486% | 30 |
| Return on assets (ROA) | 8.0339% | 27 |
| Pretax return on assets | 10.4642% | 25 |
| Return on Equity (ROE) | 25.5967% | 160 |
| Retained earnings to average equity (ytd only) | 25.5967% | 50 |
| Net charge-offs to loans | -0.2365% | 4,788 |
| Credit loss provision to net charge-offs | 53.0597% | 1,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1288% | 4,866 |
| Assets per employee ($millions) | 13.4920% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,475 |
| Loan loss allowance to noncurrent loans | 11.8831% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 4.5050% | 35 |
| Noncurrent loans to loans | 13.0110% | 8 |
| Net loans and leases to total assets | 32.4952% | 4,525 |
| Net loans and leases to deposits | 50.6602% | 3,975 |
| Net loans and leases to core deposits | 197.6449% | 32 |
| Total domestic deposits to total assets | 64.1435% | 4,810 |
| Equity capital to assets | 30.3110% | 66 |
| Core capital (leverage) ratio | 29.8956% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9818% | 65 |
| Memoranda: | ||
| Average total assets | $1,866,587,250 | 577 |
| Average earning assets | $1,571,507,500 | 615 |
| Average equity | $585,853,250 | 244 |
| Average total loans | $755,582,250 | 843 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0741% | 44 |
| Cost of funding earning assets | 0.1796% | 3,951 |
| Net interest margin | 6.8945% | 36 |
| Noninterest income to average assets | 6.6958% | 88 |
| Noninterest expense to average assets | 3.6699% | 380 |
| Loan and lease loss provision to assets | -0.1488% | 4,705 |
| Net operating income to assets | 6.8477% | 32 |
| Return on assets (ROA) | 7.3527% | 29 |
| Pretax return on assets | 9.5361% | 27 |
| Return on Equity (ROE) | 23.1238% | 257 |
| Retained earnings to average equity (ytd only) | 23.1238% | 94 |
| Net charge-offs to loans | -0.0413% | 4,287 |
| Credit loss provision to net charge-offs | 832.2981% | 524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5535% | 4,898 |
| Assets per employee ($millions) | 10.9616% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,760 |
| Loan loss allowance to noncurrent loans | 9.0999% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 5.7262% | 23 |
| Noncurrent loans to loans | 11.2113% | 18 |
| Net loans and leases to total assets | 48.5734% | 3,674 |
| Net loans and leases to deposits | 79.6850% | 1,457 |
| Net loans and leases to core deposits | 247.9396% | 23 |
| Total domestic deposits to total assets | 60.9568% | 4,865 |
| Equity capital to assets | 33.5386% | 52 |
| Core capital (leverage) ratio | 29.9692% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3070% | 96 |
| Memoranda: | ||
| Average total assets | $1,800,691,333 | 586 |
| Average earning assets | $1,494,498,667 | 637 |
| Average equity | $572,570,000 | 245 |
| Average total loans | $780,334,667 | 831 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0093% | 46 |
| Cost of funding earning assets | 0.2026% | 3,886 |
| Net interest margin | 6.8067% | 39 |
| Noninterest income to average assets | 18.5147% | 44 |
| Noninterest expense to average assets | 3.1439% | 783 |
| Loan and lease loss provision to assets | -0.2304% | 4,828 |
| Net operating income to assets | 16.3460% | 11 |
| Return on assets (ROA) | 17.5941% | 11 |
| Pretax return on assets | 22.7640% | 11 |
| Return on Equity (ROE) | 56.8141% | 23 |
| Retained earnings to average equity (ytd only) | 56.8141% | 10 |
| Net charge-offs to loans | -0.1104% | 4,667 |
| Credit loss provision to net charge-offs | 514.1463% | 588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.0464% | 4,968 |
| Assets per employee ($millions) | 9.9900% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,624 |
| Loan loss allowance to noncurrent loans | 9.1590% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 5.3982% | 30 |
| Noncurrent loans to loans | 13.7473% | 12 |
| Net loans and leases to total assets | 37.2194% | 4,443 |
| Net loans and leases to deposits | 62.7214% | 3,253 |
| Net loans and leases to core deposits | 199.5653% | 38 |
| Total domestic deposits to total assets | 59.3408% | 4,889 |
| Equity capital to assets | 31.6708% | 56 |
| Core capital (leverage) ratio | 31.1853% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4236% | 91 |
| Memoranda: | ||
| Average total assets | $1,829,593,500 | 571 |
| Average earning assets | $1,500,629,500 | 626 |
| Average equity | $566,585,000 | 243 |
| Average total loans | $742,849,000 | 856 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8811% | 47 |
| Cost of funding earning assets | 0.6818% | 1,817 |
| Net interest margin | 6.1993% | 38 |
| Noninterest income to average assets | 1.1441% | 826 |
| Noninterest expense to average assets | 3.3019% | 904 |
| Loan and lease loss provision to assets | 0.6796% | 246 |
| Net operating income to assets | 1.9081% | 313 |
| Return on assets (ROA) | 1.5917% | 709 |
| Pretax return on assets | 2.0369% | 423 |
| Return on Equity (ROE) | 5.9972% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,795 |
| Net charge-offs to loans | 1.1794% | 105 |
| Credit loss provision to net charge-offs | 119.0980% | 2,641 |
| Earnings coverage of net charge-offs (x) | 5.4627% | 2,861 |
| Efficiency ratio | 51.4404% | 4,422 |
| Assets per employee ($millions) | 9.1203% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,449 |
| Loan loss allowance to noncurrent loans | 9.8400% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 6.0357% | 33 |
| Noncurrent loans to loans | 13.1332% | 13 |
| Net loans and leases to total assets | 43.2048% | 4,291 |
| Net loans and leases to deposits | 67.0447% | 3,176 |
| Net loans and leases to core deposits | 211.1150% | 36 |
| Total domestic deposits to total assets | 64.4418% | 4,875 |
| Equity capital to assets | 30.2018% | 64 |
| Core capital (leverage) ratio | 25.6119% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2543% | 155 |
| Memoranda: | ||
| Average total assets | $1,838,071,200 | 517 |
| Average earning assets | $1,563,981,000 | 554 |
| Average equity | $487,825,200 | 265 |
| Average total loans | $889,296,400 | 724 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6668% | 57 |
| Cost of funding earning assets | 0.7865% | 1,559 |
| Net interest margin | 5.8803% | 51 |
| Noninterest income to average assets | 0.5830% | 2,239 |
| Noninterest expense to average assets | 3.2179% | 1,046 |
| Loan and lease loss provision to assets | -0.0506% | 4,984 |
| Net operating income to assets | 1.9114% | 364 |
| Return on assets (ROA) | 1.5361% | 918 |
| Pretax return on assets | 2.0181% | 501 |
| Return on Equity (ROE) | 5.9821% | 3,561 |
| Retained earnings to average equity (ytd only) | 5.9821% | 2,114 |
| Net charge-offs to loans | 0.1233% | 1,143 |
| Credit loss provision to net charge-offs | -82.9612% | 3,565 |
| Earnings coverage of net charge-offs (x) | 40.0376% | 1,360 |
| Efficiency ratio | 56.8485% | 3,813 |
| Assets per employee ($millions) | 10.5170% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 4,515 |
| Loan loss allowance to noncurrent loans | 3.7741% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 8.5156% | 20 |
| Noncurrent loans to loans | 19.4785% | 7 |
| Net loans and leases to total assets | 41.9915% | 4,500 |
| Net loans and leases to deposits | 64.2918% | 3,772 |
| Net loans and leases to core deposits | 241.1791% | 26 |
| Total domestic deposits to total assets | 65.3140% | 4,862 |
| Equity capital to assets | 25.5101% | 97 |
| Core capital (leverage) ratio | 24.1165% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7267% | 191 |
| Memoranda: | ||
| Average total assets | $1,859,813,500 | 498 |
| Average earning assets | $1,605,931,250 | 533 |
| Average equity | $477,565,500 | 266 |
| Average total loans | $920,004,250 | 691 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 104 |
| Cost of funding earning assets | 0.9621% | 1,099 |
| Net interest margin | 5.3056% | 116 |
| Noninterest income to average assets | -0.8786% | 5,058 |
| Noninterest expense to average assets | 3.1127% | 1,328 |
| Loan and lease loss provision to assets | -0.0189% | 5,008 |
| Net operating income to assets | 0.5702% | 3,830 |
| Return on assets (ROA) | -0.0803% | 4,827 |
| Pretax return on assets | -0.0381% | 4,806 |
| Return on Equity (ROE) | -0.3121% | 4,812 |
| Retained earnings to average equity (ytd only) | -0.3121% | 4,363 |
| Net charge-offs to loans | 0.2055% | 756 |
| Credit loss provision to net charge-offs | -17.6166% | 3,335 |
| Earnings coverage of net charge-offs (x) | 5.5347% | 2,507 |
| Efficiency ratio | 83.9850% | 636 |
| Assets per employee ($millions) | 11.2350% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,454 |
| Loan loss allowance to noncurrent loans | 4.0532% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 8.2900% | 25 |
| Noncurrent loans to loans | 18.5955% | 9 |
| Net loans and leases to total assets | 41.7427% | 4,535 |
| Net loans and leases to deposits | 65.6125% | 3,752 |
| Net loans and leases to core deposits | 243.3265% | 24 |
| Total domestic deposits to total assets | 63.6201% | 4,921 |
| Equity capital to assets | 22.4581% | 136 |
| Core capital (leverage) ratio | 23.7743% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6759% | 246 |
| Memoranda: | ||
| Average total assets | $1,799,653,667 | 510 |
| Average earning assets | $1,555,189,667 | 534 |
| Average equity | $463,260,333 | 271 |
| Average total loans | $938,974,000 | 664 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4039% | 94 |
| Cost of funding earning assets | 1.1837% | 815 |
| Net interest margin | 5.2202% | 139 |
| Noninterest income to average assets | -4.2842% | 5,115 |
| Noninterest expense to average assets | 3.4318% | 1,028 |
| Loan and lease loss provision to assets | 0.0620% | 2,995 |
| Net operating income to assets | -2.5902% | 5,068 |
| Return on assets (ROA) | -2.5902% | 5,056 |
| Pretax return on assets | -3.2580% | 5,060 |
| Return on Equity (ROE) | -9.2876% | 4,991 |
| Retained earnings to average equity (ytd only) | -9.2876% | 4,740 |
| Net charge-offs to loans | 0.3443% | 415 |
| Credit loss provision to net charge-offs | 30.6295% | 2,154 |
| Earnings coverage of net charge-offs (x) | -15.7881% | 2,540 |
| Efficiency ratio | 1,455.6133% | 1 |
| Assets per employee ($millions) | 9.0693% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,454 |
| Loan loss allowance to noncurrent loans | 4.3481% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 10.7505% | 18 |
| Noncurrent loans to loans | 17.9511% | 11 |
| Net loans and leases to total assets | 54.9339% | 3,918 |
| Net loans and leases to deposits | 81.2661% | 2,549 |
| Net loans and leases to core deposits | 265.9323% | 21 |
| Total domestic deposits to total assets | 67.5975% | 4,937 |
| Equity capital to assets | 25.9274% | 100 |
| Core capital (leverage) ratio | 28.3561% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0672% | 149 |
| Memoranda: | ||
| Average total assets | $1,632,152,000 | 538 |
| Average earning assets | $1,413,203,000 | 555 |
| Average equity | $455,189,000 | 276 |
| Average total loans | $959,545,500 | 619 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2022% | 66 |
| Cost of funding earning assets | 1.6720% | 217 |
| Net interest margin | 5.5302% | 111 |
| Noninterest income to average assets | -1.8428% | 5,176 |
| Noninterest expense to average assets | 2.3217% | 3,892 |
| Loan and lease loss provision to assets | 0.0091% | 3,827 |
| Net operating income to assets | 0.7180% | 3,809 |
| Return on assets (ROA) | 0.7180% | 3,872 |
| Pretax return on assets | 0.6032% | 4,407 |
| Return on Equity (ROE) | 2.5864% | 4,728 |
| Retained earnings to average equity (ytd only) | -1.3862% | 4,834 |
| Net charge-offs to loans | 0.3378% | 609 |
| Credit loss provision to net charge-offs | 4.6853% | 3,372 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 3,353 |
| Efficiency ratio | 79.1310% | 1,022 |
| Assets per employee ($millions) | 7.6880% | 800 |
| Cash dividends to net income (ytd only)* | 153.5987% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,286 |
| Loan loss allowance to noncurrent loans | 11.3442% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 5.4619% | 44 |
| Noncurrent loans to loans | 7.1071% | 43 |
| Net loans and leases to total assets | 61.9891% | 3,401 |
| Net loans and leases to deposits | 98.0071% | 761 |
| Net loans and leases to core deposits | 275.0112% | 21 |
| Total domestic deposits to total assets | 63.2496% | 5,061 |
| Equity capital to assets | 30.0100% | 71 |
| Core capital (leverage) ratio | 27.9658% | 84 |
| Tier 1 risk-based capital ratio | 41.1255% | 228 |
| Total risk-based capital ratio | 41.8604% | 230 |
| Memoranda: | ||
| Average total assets | $1,861,521,000 | 454 |
| Average earning assets | $1,607,929,000 | 481 |
| Average equity | $516,790,000 | 244 |
| Average total loans | $1,067,768,400 | 541 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0284% | 68 |
| Cost of funding earning assets | 1.7132% | 192 |
| Net interest margin | 5.3152% | 161 |
| Noninterest income to average assets | -2.9769% | 5,255 |
| Noninterest expense to average assets | 1.9927% | 4,571 |
| Loan and lease loss provision to assets | 0.0088% | 3,714 |
| Net operating income to assets | -0.2527% | 5,111 |
| Return on assets (ROA) | -0.2527% | 5,117 |
| Pretax return on assets | -0.3716% | 5,125 |
| Return on Equity (ROE) | -0.9254% | 5,097 |
| Retained earnings to average equity (ytd only) | -6.1065% | 5,087 |
| Net charge-offs to loans | 0.3706% | 455 |
| Credit loss provision to net charge-offs | 4.1928% | 3,022 |
| Earnings coverage of net charge-offs (x) | -1.7385% | 3,398 |
| Efficiency ratio | 122.2654% | 76 |
| Assets per employee ($millions) | 7.6249% | 803 |
| Cash dividends to net income (ytd only)* | -559.8583% | 5,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,333 |
| Loan loss allowance to noncurrent loans | 11.9608% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 5.3836% | 64 |
| Noncurrent loans to loans | 6.8850% | 54 |
| Net loans and leases to total assets | 63.7683% | 3,306 |
| Net loans and leases to deposits | 98.8119% | 736 |
| Net loans and leases to core deposits | 307.4731% | 21 |
| Total domestic deposits to total assets | 64.5350% | 5,116 |
| Equity capital to assets | 28.5403% | 84 |
| Core capital (leverage) ratio | 24.7599% | 123 |
| Tier 1 risk-based capital ratio | 39.0427% | 264 |
| Total risk-based capital ratio | 39.8175% | 265 |
| Memoranda: | ||
| Average total assets | $1,934,814,000 | 442 |
| Average earning assets | $1,676,898,000 | 464 |
| Average equity | $528,322,250 | 243 |
| Average total loans | $1,089,683,500 | 536 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4048% | 131 |
| Cost of funding earning assets | 1.6804% | 196 |
| Net interest margin | 4.7244% | 470 |
| Noninterest income to average assets | -3.1756% | 5,301 |
| Noninterest expense to average assets | 1.2551% | 5,214 |
| Loan and lease loss provision to assets | 0.0110% | 3,535 |
| Net operating income to assets | -0.2063% | 5,149 |
| Return on assets (ROA) | -0.2063% | 5,154 |
| Pretax return on assets | -0.3420% | 5,173 |
| Return on Equity (ROE) | -0.7644% | 5,136 |
| Retained earnings to average equity (ytd only) | -0.7644% | 4,801 |
| Net charge-offs to loans | 0.3434% | 493 |
| Credit loss provision to net charge-offs | 5.9224% | 2,710 |
| Earnings coverage of net charge-offs (x) | -1.7767% | 3,125 |
| Efficiency ratio | 135.8124% | 55 |
| Assets per employee ($millions) | 8.9178% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,125 |
| Loan loss allowance to noncurrent loans | 12.8765% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 4.5299% | 89 |
| Noncurrent loans to loans | 6.9315% | 53 |
| Net loans and leases to total assets | 54.0224% | 4,207 |
| Net loans and leases to deposits | 83.9079% | 2,498 |
| Net loans and leases to core deposits | 323.4494% | 19 |
| Total domestic deposits to total assets | 64.3830% | 5,164 |
| Equity capital to assets | 28.3151% | 82 |
| Core capital (leverage) ratio | 27.9815% | 85 |
| Tier 1 risk-based capital ratio | 46.5609% | 161 |
| Total risk-based capital ratio | 47.4046% | 161 |
| Memoranda: | ||
| Average total assets | $2,048,550,670 | 415 |
| Average earning assets | $1,777,704,330 | 438 |
| Average equity | $552,823,000 | 234 |
| Average total loans | $1,111,360,670 | 522 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0065% | 221 |
| Cost of funding earning assets | 1.7732% | 112 |
| Net interest margin | 4.2332% | 1,233 |
| Noninterest income to average assets | -6.3274% | 5,361 |
| Noninterest expense to average assets | -0.4209% | 5,362 |
| Loan and lease loss provision to assets | -0.1641% | 5,308 |
| Net operating income to assets | -1.4588% | 5,307 |
| Return on assets (ROA) | -1.4588% | 5,304 |
| Pretax return on assets | -2.0850% | 5,312 |
| Return on Equity (ROE) | -5.5335% | 5,263 |
| Retained earnings to average equity (ytd only) | -5.5335% | 4,950 |
| Net charge-offs to loans | 0.1099% | 1,081 |
| Credit loss provision to net charge-offs | -275.8842% | 3,700 |
| Earnings coverage of net charge-offs (x) | -37.8199% | 2,727 |
| Efficiency ratio | 15.7631% | 5,345 |
| Assets per employee ($millions) | 9.0531% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,095 |
| Loan loss allowance to noncurrent loans | 12.1340% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 4.8490% | 71 |
| Noncurrent loans to loans | 7.5545% | 49 |
| Net loans and leases to total assets | 54.9498% | 4,139 |
| Net loans and leases to deposits | 84.8332% | 2,279 |
| Net loans and leases to core deposits | 321.7044% | 21 |
| Total domestic deposits to total assets | 64.7739% | 5,223 |
| Equity capital to assets | 27.3952% | 89 |
| Core capital (leverage) ratio | 23.6776% | 136 |
| Tier 1 risk-based capital ratio | 45.2814% | 167 |
| Total risk-based capital ratio | 46.1651% | 170 |
| Memoranda: | ||
| Average total assets | $2,091,864,000 | 414 |
| Average earning assets | $1,807,316,000 | 434 |
| Average equity | $551,474,000 | 235 |
| Average total loans | $1,132,329,000 | 520 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 339 |
| Cost of funding earning assets | 1.2116% | 322 |
| Net interest margin | 4.3798% | 985 |
| Noninterest income to average assets | 2.4363% | 206 |
| Noninterest expense to average assets | 4.1613% | 426 |
| Loan and lease loss provision to assets | -0.4147% | 5,377 |
| Net operating income to assets | 1.2430% | 2,001 |
| Return on assets (ROA) | 1.2350% | 2,022 |
| Pretax return on assets | 2.4697% | 221 |
| Return on Equity (ROE) | 3.9937% | 4,715 |
| Retained earnings to average equity (ytd only) | -12.3882% | 5,342 |
| Net charge-offs to loans | 0.3365% | 573 |
| Credit loss provision to net charge-offs | -206.8270% | 4,486 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 2,732 |
| Efficiency ratio | 66.8333% | 2,736 |
| Assets per employee ($millions) | 9.4913% | 401 |
| Cash dividends to net income (ytd only)* | 410.1917% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,797 |
| Loan loss allowance to noncurrent loans | 6.1526% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 9.0608% | 20 |
| Noncurrent loans to loans | 15.9564% | 8 |
| Net loans and leases to total assets | 52.3936% | 4,389 |
| Net loans and leases to deposits | 82.3785% | 2,683 |
| Net loans and leases to core deposits | 315.5245% | 22 |
| Total domestic deposits to total assets | 63.6010% | 5,287 |
| Equity capital to assets | 25.4166% | 104 |
| Core capital (leverage) ratio | 22.5442% | 155 |
| Tier 1 risk-based capital ratio | 46.4392% | 160 |
| Total risk-based capital ratio | 47.4346% | 159 |
| Memoranda: | ||
| Average total assets | $2,052,915,800 | 409 |
| Average earning assets | $1,776,521,400 | 421 |
| Average equity | $634,848,600 | 209 |
| Average total loans | $1,223,231,000 | 476 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 362 |
| Cost of funding earning assets | 1.0322% | 515 |
| Net interest margin | 4.4643% | 797 |
| Noninterest income to average assets | 4.3468% | 106 |
| Noninterest expense to average assets | 4.5498% | 281 |
| Loan and lease loss provision to assets | -0.5127% | 5,455 |
| Net operating income to assets | 2.5613% | 145 |
| Return on assets (ROA) | 2.5505% | 144 |
| Pretax return on assets | 4.1704% | 59 |
| Return on Equity (ROE) | 7.8689% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.8689% | 1,716 |
| Net charge-offs to loans | 0.4388% | 361 |
| Credit loss provision to net charge-offs | -190.3234% | 4,316 |
| Earnings coverage of net charge-offs (x) | 13.6294% | 2,339 |
| Efficiency ratio | 55.3416% | 4,466 |
| Assets per employee ($millions) | 9.6381% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,061 |
| Loan loss allowance to noncurrent loans | 4.1768% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 13.2886% | 12 |
| Noncurrent loans to loans | 26.8719% | 3 |
| Net loans and leases to total assets | 46.3446% | 4,785 |
| Net loans and leases to deposits | 76.6726% | 3,357 |
| Net loans and leases to core deposits | 306.7387% | 20 |
| Total domestic deposits to total assets | 60.4449% | 5,389 |
| Equity capital to assets | 29.3342% | 68 |
| Core capital (leverage) ratio | 30.4439% | 66 |
| Tier 1 risk-based capital ratio | 58.7883% | 88 |
| Total risk-based capital ratio | 59.8905% | 88 |
| Memoranda: | ||
| Average total assets | $2,020,395,000 | 413 |
| Average earning assets | $1,753,420,500 | 424 |
| Average equity | $654,849,500 | 200 |
| Average total loans | $1,240,266,000 | 464 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 239 |
| Cost of funding earning assets | 0.9286% | 638 |
| Net interest margin | 4.7671% | 377 |
| Noninterest income to average assets | 3.8342% | 121 |
| Noninterest expense to average assets | 5.1339% | 199 |
| Loan and lease loss provision to assets | -0.6754% | 5,525 |
| Net operating income to assets | 2.2097% | 253 |
| Return on assets (ROA) | 2.1926% | 256 |
| Pretax return on assets | 3.5205% | 75 |
| Return on Equity (ROE) | 6.5180% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.5180% | 2,304 |
| Net charge-offs to loans | 0.6468% | 227 |
| Credit loss provision to net charge-offs | -155.4493% | 4,146 |
| Earnings coverage of net charge-offs (x) | 6.5982% | 2,610 |
| Efficiency ratio | 64.1686% | 3,294 |
| Assets per employee ($millions) | 7.6519% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,082 |
| Loan loss allowance to noncurrent loans | 3.9945% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 18.3360% | 5 |
| Noncurrent loans to loans | 28.3363% | 2 |
| Net loans and leases to total assets | 60.4007% | 3,772 |
| Net loans and leases to deposits | 115.9197% | 161 |
| Net loans and leases to core deposits | 292.2690% | 23 |
| Total domestic deposits to total assets | 52.1056% | 5,489 |
| Equity capital to assets | 34.3240% | 60 |
| Core capital (leverage) ratio | 30.2210% | 70 |
| Tier 1 risk-based capital ratio | 55.4699% | 104 |
| Total risk-based capital ratio | 56.6415% | 104 |
| Memoranda: | ||
| Average total assets | $1,926,024,000 | 425 |
| Average earning assets | $1,683,326,330 | 441 |
| Average equity | $647,894,330 | 199 |
| Average total loans | $1,293,798,000 | 446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 325 |
| Cost of funding earning assets | 0.7891% | 995 |
| Net interest margin | 4.6225% | 477 |
| Noninterest income to average assets | 3.8496% | 125 |
| Noninterest expense to average assets | 7.0133% | 114 |
| Loan and lease loss provision to assets | -1.0693% | 5,599 |
| Net operating income to assets | 2.0094% | 368 |
| Return on assets (ROA) | 1.9663% | 403 |
| Pretax return on assets | 1.9758% | 599 |
| Return on Equity (ROE) | 5.9051% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,753 |
| Net charge-offs to loans | 1.2839% | 112 |
| Credit loss provision to net charge-offs | -118.6378% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.0536% | 2,595 |
| Efficiency ratio | 88.0743% | 537 |
| Assets per employee ($millions) | 7.8417% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,248 |
| Loan loss allowance to noncurrent loans | 4.2503% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 18.4320% | 5 |
| Noncurrent loans to loans | 26.4021% | 2 |
| Net loans and leases to total assets | 64.7643% | 3,207 |
| Net loans and leases to deposits | 121.0908% | 105 |
| Net loans and leases to core deposits | 320.5290% | 22 |
| Total domestic deposits to total assets | 53.4841% | 5,549 |
| Equity capital to assets | 32.9619% | 60 |
| Core capital (leverage) ratio | 32.1325% | 60 |
| Tier 1 risk-based capital ratio | 49.6345% | 132 |
| Total risk-based capital ratio | 50.7981% | 132 |
| Memoranda: | ||
| Average total assets | $1,928,723,000 | 431 |
| Average earning assets | $1,716,287,500 | 439 |
| Average equity | $642,223,500 | 201 |
| Average total loans | $1,354,021,000 | 430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8427% | 58 |
| Cost of funding earning assets | 0.6884% | 1,085 |
| Net interest margin | 6.1543% | 60 |
| Noninterest income to average assets | 2.7819% | 191 |
| Noninterest expense to average assets | 3.3002% | 1,378 |
| Loan and lease loss provision to assets | -0.1314% | 5,518 |
| Net operating income to assets | 5.3269% | 30 |
| Return on assets (ROA) | 5.3049% | 30 |
| Pretax return on assets | 5.3821% | 42 |
| Return on Equity (ROE) | 16.2285% | 454 |
| Retained earnings to average equity (ytd only) | -64.6335% | 5,662 |
| Net charge-offs to loans | 0.0961% | 2,121 |
| Credit loss provision to net charge-offs | -177.8341% | 4,774 |
| Earnings coverage of net charge-offs (x) | 71.3794% | 840 |
| Efficiency ratio | 38.4950% | 5,551 |
| Assets per employee ($millions) | 7.5266% | 753 |
| Cash dividends to net income (ytd only)* | 498.2715% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 964 |
| Loan loss allowance to noncurrent loans | 9.7604% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 14.3319% | 8 |
| Noncurrent loans to loans | 17.3080% | 5 |
| Net loans and leases to total assets | 73.8347% | 1,945 |
| Net loans and leases to deposits | 119.6603% | 117 |
| Net loans and leases to core deposits | 333.5170% | 22 |
| Total domestic deposits to total assets | 61.7036% | 5,571 |
| Equity capital to assets | 33.6479% | 58 |
| Core capital (leverage) ratio | 28.7672% | 71 |
| Tier 1 risk-based capital ratio | 43.4153% | 173 |
| Total risk-based capital ratio | 44.6715% | 171 |
| Memoranda: | ||
| Average total assets | $2,137,492,800 | 388 |
| Average earning assets | $2,011,395,600 | 374 |
| Average equity | $698,721,600 | 184 |
| Average total loans | $1,642,921,800 | 367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8736% | 59 |
| Cost of funding earning assets | 0.6546% | 1,206 |
| Net interest margin | 6.2190% | 60 |
| Noninterest income to average assets | 2.7567% | 203 |
| Noninterest expense to average assets | 3.2480% | 1,461 |
| Loan and lease loss provision to assets | -0.1237% | 5,613 |
| Net operating income to assets | 5.4647% | 34 |
| Return on assets (ROA) | 5.4369% | 35 |
| Pretax return on assets | 5.4632% | 46 |
| Return on Equity (ROE) | 16.7376% | 458 |
| Retained earnings to average equity (ytd only) | -88.6971% | 5,730 |
| Net charge-offs to loans | 0.1030% | 1,758 |
| Credit loss provision to net charge-offs | -155.4878% | 4,578 |
| Earnings coverage of net charge-offs (x) | 67.4893% | 919 |
| Efficiency ratio | 37.7003% | 5,624 |
| Assets per employee ($millions) | 7.9712% | 642 |
| Cash dividends to net income (ytd only)* | 629.9265% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,197 |
| Loan loss allowance to noncurrent loans | 17.8433% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 8.1993% | 37 |
| Noncurrent loans to loans | 9.0667% | 31 |
| Net loans and leases to total assets | 73.6515% | 1,973 |
| Net loans and leases to deposits | 109.4357% | 294 |
| Net loans and leases to core deposits | 359.5280% | 20 |
| Total domestic deposits to total assets | 67.3011% | 5,558 |
| Equity capital to assets | 29.5391% | 66 |
| Core capital (leverage) ratio | 28.2893% | 70 |
| Tier 1 risk-based capital ratio | 40.1433% | 224 |
| Total risk-based capital ratio | 41.3996% | 220 |
| Memoranda: | ||
| Average total assets | $2,199,569,750 | 380 |
| Average earning assets | $2,072,120,750 | 371 |
| Average equity | $714,484,250 | 182 |
| Average total loans | $1,698,941,250 | 351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6918% | 66 |
| Cost of funding earning assets | 0.6295% | 1,270 |
| Net interest margin | 6.0623% | 71 |
| Noninterest income to average assets | 2.7325% | 202 |
| Noninterest expense to average assets | 3.1054% | 1,828 |
| Loan and lease loss provision to assets | -0.1670% | 5,696 |
| Net operating income to assets | 5.4798% | 37 |
| Return on assets (ROA) | 5.4742% | 37 |
| Pretax return on assets | 5.5019% | 47 |
| Return on Equity (ROE) | 16.3968% | 476 |
| Retained earnings to average equity (ytd only) | -134.3977% | 5,780 |
| Net charge-offs to loans | 0.1365% | 1,340 |
| Credit loss provision to net charge-offs | -156.9514% | 4,424 |
| Earnings coverage of net charge-offs (x) | 50.1985% | 1,070 |
| Efficiency ratio | 36.7680% | 5,685 |
| Assets per employee ($millions) | 8.3222% | 542 |
| Cash dividends to net income (ytd only)* | 919.6562% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 1,450 |
| Loan loss allowance to noncurrent loans | 15.1544% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 9.3387% | 31 |
| Noncurrent loans to loans | 10.1306% | 25 |
| Net loans and leases to total assets | 76.4259% | 1,476 |
| Net loans and leases to deposits | 115.4055% | 169 |
| Net loans and leases to core deposits | 364.1627% | 20 |
| Total domestic deposits to total assets | 66.2238% | 5,634 |
| Equity capital to assets | 27.0208% | 74 |
| Core capital (leverage) ratio | 25.3875% | 94 |
| Tier 1 risk-based capital ratio | 35.9293% | 285 |
| Total risk-based capital ratio | 37.1845% | 278 |
| Memoranda: | ||
| Average total assets | $2,244,582,000 | 378 |
| Average earning assets | $2,115,423,000 | 368 |
| Average equity | $749,364,000 | 179 |
| Average total loans | $1,750,067,330 | 349 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6347% | 72 |
| Cost of funding earning assets | 0.5970% | 1,394 |
| Net interest margin | 6.0377% | 79 |
| Noninterest income to average assets | 2.7192% | 211 |
| Noninterest expense to average assets | 3.1541% | 1,732 |
| Loan and lease loss provision to assets | -0.0142% | 5,665 |
| Net operating income to assets | 5.3065% | 39 |
| Return on assets (ROA) | 5.2954% | 39 |
| Pretax return on assets | 5.2636% | 59 |
| Return on Equity (ROE) | 14.5820% | 709 |
| Retained earnings to average equity (ytd only) | -224.2716% | 5,852 |
| Net charge-offs to loans | 0.3168% | 584 |
| Credit loss provision to net charge-offs | -5.7463% | 3,783 |
| Earnings coverage of net charge-offs (x) | 21.2502% | 1,454 |
| Efficiency ratio | 37.4840% | 5,732 |
| Assets per employee ($millions) | 8.4255% | 519 |
| Cash dividends to net income (ytd only)* | 1,638.0016% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,412 |
| Loan loss allowance to noncurrent loans | 14.9743% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 9.5285% | 38 |
| Noncurrent loans to loans | 10.6101% | 28 |
| Net loans and leases to total assets | 76.2035% | 1,385 |
| Net loans and leases to deposits | 112.2437% | 171 |
| Net loans and leases to core deposits | 363.3244% | 21 |
| Total domestic deposits to total assets | 67.8911% | 5,678 |
| Equity capital to assets | 27.6964% | 71 |
| Core capital (leverage) ratio | 24.0193% | 112 |
| Tier 1 risk-based capital ratio | 37.4041% | 266 |
| Total risk-based capital ratio | 38.6602% | 262 |
| Memoranda: | ||
| Average total assets | $2,305,789,000 | 368 |
| Average earning assets | $2,175,054,500 | 359 |
| Average equity | $837,333,000 | 167 |
| Average total loans | $1,801,514,000 | 342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1588% | 103 |
| Cost of funding earning assets | 0.4728% | 2,328 |
| Net interest margin | 5.6860% | 84 |
| Noninterest income to average assets | 2.4176% | 261 |
| Noninterest expense to average assets | 3.2643% | 1,656 |
| Loan and lease loss provision to assets | -0.0864% | 5,671 |
| Net operating income to assets | 4.5496% | 41 |
| Return on assets (ROA) | 4.5365% | 42 |
| Pretax return on assets | 4.5692% | 53 |
| Return on Equity (ROE) | 10.5671% | 1,741 |
| Retained earnings to average equity (ytd only) | -0.6369% | 5,399 |
| Net charge-offs to loans | 0.0389% | 3,251 |
| Credit loss provision to net charge-offs | -281.7797% | 5,057 |
| Earnings coverage of net charge-offs (x) | 146.5480% | 433 |
| Efficiency ratio | 42.0639% | 5,744 |
| Assets per employee ($millions) | 8.7703% | 450 |
| Cash dividends to net income (ytd only)* | 106.0273% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,745 |
| Loan loss allowance to noncurrent loans | 15.2199% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 8.9306% | 43 |
| Noncurrent loans to loans | 9.7378% | 29 |
| Net loans and leases to total assets | 77.5883% | 1,272 |
| Net loans and leases to deposits | 150.8591% | 11 |
| Net loans and leases to core deposits | 394.5369% | 19 |
| Total domestic deposits to total assets | 51.4310% | 5,861 |
| Equity capital to assets | 44.0556% | 40 |
| Core capital (leverage) ratio | 45.3815% | 41 |
| Tier 1 risk-based capital ratio | 59.1746% | 86 |
| Total risk-based capital ratio | 60.4292% | 85 |
| Memoranda: | ||
| Average total assets | $2,307,743,000 | 360 |
| Average earning assets | $2,168,421,200 | 350 |
| Average equity | $990,716,800 | 143 |
| Average total loans | $1,821,403,800 | 329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1786% | 101 |
| Cost of funding earning assets | 0.4738% | 2,327 |
| Net interest margin | 5.7048% | 84 |
| Noninterest income to average assets | 2.4029% | 273 |
| Noninterest expense to average assets | 3.3282% | 1,499 |
| Loan and lease loss provision to assets | 0.0254% | 3,738 |
| Net operating income to assets | 4.3752% | 44 |
| Return on assets (ROA) | 4.3574% | 44 |
| Pretax return on assets | 4.3841% | 60 |
| Return on Equity (ROE) | 10.2215% | 1,962 |
| Retained earnings to average equity (ytd only) | 1.8440% | 4,763 |
| Net charge-offs to loans | 0.0627% | 2,455 |
| Credit loss provision to net charge-offs | 51.1820% | 3,018 |
| Earnings coverage of net charge-offs (x) | 89.3878% | 707 |
| Efficiency ratio | 42.9139% | 5,769 |
| Assets per employee ($millions) | 8.7227% | 444 |
| Cash dividends to net income (ytd only)* | 81.9595% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,572 |
| Loan loss allowance to noncurrent loans | 16.0154% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 9.9779% | 40 |
| Noncurrent loans to loans | 9.7860% | 39 |
| Net loans and leases to total assets | 79.3739% | 990 |
| Net loans and leases to deposits | 147.6922% | 13 |
| Net loans and leases to core deposits | 405.6859% | 18 |
| Total domestic deposits to total assets | 53.7428% | 5,921 |
| Equity capital to assets | 40.7834% | 44 |
| Core capital (leverage) ratio | 35.5755% | 53 |
| Tier 1 risk-based capital ratio | 61.1604% | 78 |
| Total risk-based capital ratio | 62.4191% | 79 |
| Memoranda: | ||
| Average total assets | $2,277,338,250 | 363 |
| Average earning assets | $2,136,811,750 | 352 |
| Average equity | $970,828,250 | 146 |
| Average total loans | $1,798,440,750 | 330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 156 |
| Cost of funding earning assets | 0.4434% | 2,628 |
| Net interest margin | 5.3896% | 135 |
| Noninterest income to average assets | 2.2656% | 294 |
| Noninterest expense to average assets | 3.1917% | 1,833 |
| Loan and lease loss provision to assets | -0.0210% | 5,787 |
| Net operating income to assets | 4.1031% | 50 |
| Return on assets (ROA) | 4.0951% | 51 |
| Pretax return on assets | 4.1321% | 65 |
| Return on Equity (ROE) | 9.4574% | 2,293 |
| Retained earnings to average equity (ytd only) | -0.7003% | 5,396 |
| Net charge-offs to loans | 0.0617% | 2,313 |
| Credit loss provision to net charge-offs | -43.4137% | 4,515 |
| Earnings coverage of net charge-offs (x) | 85.1410% | 670 |
| Efficiency ratio | 43.6568% | 5,821 |
| Assets per employee ($millions) | 8.7978% | 418 |
| Cash dividends to net income (ytd only)* | 107.4043% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,569 |
| Loan loss allowance to noncurrent loans | 15.0573% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 10.1238% | 45 |
| Noncurrent loans to loans | 10.5284% | 32 |
| Net loans and leases to total assets | 75.2485% | 1,604 |
| Net loans and leases to deposits | 137.8627% | 19 |
| Net loans and leases to core deposits | 413.1966% | 19 |
| Total domestic deposits to total assets | 54.5822% | 5,997 |
| Equity capital to assets | 38.8690% | 47 |
| Core capital (leverage) ratio | 42.6504% | 41 |
| Tier 1 risk-based capital ratio | 56.1217% | 105 |
| Total risk-based capital ratio | 57.3786% | 104 |
| Memoranda: | ||
| Average total assets | $2,228,151,330 | 367 |
| Average earning assets | $2,085,820,330 | 360 |
| Average equity | $964,785,330 | 146 |
| Average total loans | $1,746,127,000 | 335 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1674% | 102 |
| Cost of funding earning assets | 0.4358% | 2,718 |
| Net interest margin | 5.7315% | 87 |
| Noninterest income to average assets | 2.1749% | 303 |
| Noninterest expense to average assets | 3.3394% | 1,508 |
| Loan and lease loss provision to assets | -0.2651% | 6,043 |
| Net operating income to assets | 4.4122% | 53 |
| Return on assets (ROA) | 4.3950% | 51 |
| Pretax return on assets | 4.4170% | 63 |
| Return on Equity (ROE) | 9.5658% | 2,175 |
| Retained earnings to average equity (ytd only) | -10.8171% | 5,831 |
| Net charge-offs to loans | 0.0728% | 1,752 |
| Credit loss provision to net charge-offs | -457.7558% | 4,534 |
| Earnings coverage of net charge-offs (x) | 71.9934% | 680 |
| Efficiency ratio | 44.4753% | 5,856 |
| Assets per employee ($millions) | 7.8918% | 588 |
| Cash dividends to net income (ytd only)* | 213.0805% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 1,296 |
| Loan loss allowance to noncurrent loans | 14.0459% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 12.1968% | 35 |
| Noncurrent loans to loans | 12.2973% | 23 |
| Net loans and leases to total assets | 76.7142% | 1,290 |
| Net loans and leases to deposits | 153.4144% | 10 |
| Net loans and leases to core deposits | 324.8013% | 24 |
| Total domestic deposits to total assets | 50.0046% | 6,068 |
| Equity capital to assets | 43.5410% | 40 |
| Core capital (leverage) ratio | 45.7210% | 40 |
| Tier 1 risk-based capital ratio | 65.3448% | 77 |
| Total risk-based capital ratio | 66.6052% | 76 |
| Memoranda: | ||
| Average total assets | $2,092,934,500 | 385 |
| Average earning assets | $1,947,610,500 | 378 |
| Average equity | $961,591,000 | 148 |
| Average total loans | $1,663,973,500 | 345 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5763% | 71 |
| Cost of funding earning assets | 0.4209% | 2,932 |
| Net interest margin | 6.1554% | 66 |
| Noninterest income to average assets | 2.8404% | 221 |
| Noninterest expense to average assets | 4.1346% | 581 |
| Loan and lease loss provision to assets | -0.2947% | 6,056 |
| Net operating income to assets | 4.3887% | 54 |
| Return on assets (ROA) | 4.3838% | 55 |
| Pretax return on assets | 4.6380% | 58 |
| Return on Equity (ROE) | 8.6398% | 2,651 |
| Retained earnings to average equity (ytd only) | -6.1324% | 5,961 |
| Net charge-offs to loans | 0.1380% | 1,969 |
| Credit loss provision to net charge-offs | -257.5183% | 5,322 |
| Earnings coverage of net charge-offs (x) | 37.9935% | 1,222 |
| Efficiency ratio | 48.7398% | 5,812 |
| Assets per employee ($millions) | 7.3543% | 764 |
| Cash dividends to net income (ytd only)* | 170.9786% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 942 |
| Loan loss allowance to noncurrent loans | 13.8118% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 14.2779% | 30 |
| Noncurrent loans to loans | 13.8160% | 22 |
| Net loans and leases to total assets | 79.5215% | 916 |
| Net loans and leases to deposits | 184.1177% | 7 |
| Net loans and leases to core deposits | 292.1358% | 28 |
| Total domestic deposits to total assets | 43.1906% | 6,137 |
| Equity capital to assets | 48.5523% | 41 |
| Core capital (leverage) ratio | 48.8095% | 40 |
| Tier 1 risk-based capital ratio | 69.9260% | 68 |
| Total risk-based capital ratio | 71.1916% | 68 |
| Memoranda: | ||
| Average total assets | $2,027,917,600 | 376 |
| Average earning assets | $1,859,021,600 | 372 |
| Average equity | $1,028,960,000 | 132 |
| Average total loans | $1,681,656,000 | 325 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6396% | 72 |
| Cost of funding earning assets | 0.4226% | 2,985 |
| Net interest margin | 6.2170% | 65 |
| Noninterest income to average assets | 2.7792% | 233 |
| Noninterest expense to average assets | 4.2425% | 519 |
| Loan and lease loss provision to assets | -0.3386% | 6,166 |
| Net operating income to assets | 4.4994% | 52 |
| Return on assets (ROA) | 4.4953% | 52 |
| Pretax return on assets | 4.5557% | 61 |
| Return on Equity (ROE) | 8.7661% | 2,696 |
| Retained earnings to average equity (ytd only) | -1.5933% | 5,814 |
| Net charge-offs to loans | 0.1711% | 1,455 |
| Credit loss provision to net charge-offs | -237.2702% | 5,212 |
| Earnings coverage of net charge-offs (x) | 29.5791% | 1,511 |
| Efficiency ratio | 50.1255% | 5,771 |
| Assets per employee ($millions) | 7.2561% | 773 |
| Cash dividends to net income (ytd only)* | 118.1757% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 1,016 |
| Loan loss allowance to noncurrent loans | 13.9992% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 14.9649% | 27 |
| Noncurrent loans to loans | 13.7664% | 20 |
| Net loans and leases to total assets | 81.9533% | 582 |
| Net loans and leases to deposits | 198.2315% | 8 |
| Net loans and leases to core deposits | 287.7242% | 30 |
| Total domestic deposits to total assets | 41.3422% | 6,225 |
| Equity capital to assets | 51.5917% | 41 |
| Core capital (leverage) ratio | 51.6517% | 40 |
| Tier 1 risk-based capital ratio | 72.6438% | 68 |
| Total risk-based capital ratio | 73.9072% | 68 |
| Memoranda: | ||
| Average total assets | $2,032,967,000 | 381 |
| Average earning assets | $1,858,849,000 | 378 |
| Average equity | $1,042,501,250 | 133 |
| Average total loans | $1,695,163,000 | 324 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6919% | 70 |
| Cost of funding earning assets | 0.4299% | 2,936 |
| Net interest margin | 6.2620% | 65 |
| Noninterest income to average assets | 2.8780% | 227 |
| Noninterest expense to average assets | 4.3022% | 492 |
| Loan and lease loss provision to assets | -0.4579% | 6,268 |
| Net operating income to assets | 4.6677% | 53 |
| Return on assets (ROA) | 4.6616% | 53 |
| Pretax return on assets | 4.7404% | 62 |
| Return on Equity (ROE) | 9.1084% | 2,481 |
| Retained earnings to average equity (ytd only) | 1.0938% | 5,134 |
| Net charge-offs to loans | 0.2126% | 1,196 |
| Credit loss provision to net charge-offs | -258.4895% | 5,083 |
| Earnings coverage of net charge-offs (x) | 24.2084% | 1,571 |
| Efficiency ratio | 50.0784% | 5,850 |
| Assets per employee ($millions) | 6.8094% | 922 |
| Cash dividends to net income (ytd only)* | 87.9913% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 999 |
| Loan loss allowance to noncurrent loans | 13.6186% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 15.9899% | 19 |
| Noncurrent loans to loans | 14.6245% | 25 |
| Net loans and leases to total assets | 81.3102% | 633 |
| Net loans and leases to deposits | 205.5916% | 10 |
| Net loans and leases to core deposits | 269.9097% | 31 |
| Total domestic deposits to total assets | 39.5494% | 6,301 |
| Equity capital to assets | 52.5180% | 40 |
| Core capital (leverage) ratio | 50.6000% | 39 |
| Tier 1 risk-based capital ratio | 74.9163% | 62 |
| Total risk-based capital ratio | 76.1808% | 62 |
| Memoranda: | ||
| Average total assets | $2,047,900,330 | 380 |
| Average earning assets | $1,868,315,000 | 375 |
| Average equity | $1,048,091,670 | 135 |
| Average total loans | $1,706,422,000 | 315 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7462% | 70 |
| Cost of funding earning assets | 0.4387% | 2,890 |
| Net interest margin | 6.3075% | 62 |
| Noninterest income to average assets | 2.5211% | 269 |
| Noninterest expense to average assets | 4.9157% | 312 |
| Loan and lease loss provision to assets | -1.2506% | 6,390 |
| Net operating income to assets | 4.5190% | 51 |
| Return on assets (ROA) | 4.5070% | 53 |
| Pretax return on assets | 4.5898% | 68 |
| Return on Equity (ROE) | 8.9180% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.9180% | 1,226 |
| Net charge-offs to loans | 0.3611% | 677 |
| Credit loss provision to net charge-offs | -414.8148% | 4,776 |
| Earnings coverage of net charge-offs (x) | 11.1162% | 1,887 |
| Efficiency ratio | 59.4607% | 5,163 |
| Assets per employee ($millions) | 6.9900% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 1,452 |
| Loan loss allowance to noncurrent loans | 12.2303% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 16.1489% | 22 |
| Noncurrent loans to loans | 14.8871% | 25 |
| Net loans and leases to total assets | 81.5604% | 511 |
| Net loans and leases to deposits | 210.2329% | 12 |
| Net loans and leases to core deposits | 269.5956% | 33 |
| Total domestic deposits to total assets | 38.7953% | 6,372 |
| Equity capital to assets | 51.3601% | 40 |
| Core capital (leverage) ratio | 50.4482% | 39 |
| Tier 1 risk-based capital ratio | 70.4113% | 80 |
| Total risk-based capital ratio | 71.6765% | 81 |
| Memoranda: | ||
| Average total assets | $2,077,673,000 | 375 |
| Average earning assets | $1,892,732,500 | 372 |
| Average equity | $1,050,015,000 | 132 |
| Average total loans | $1,734,838,500 | 312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1096% | 63 |
| Cost of funding earning assets | 0.5010% | 2,671 |
| Net interest margin | 6.6086% | 59 |
| Noninterest income to average assets | 2.1937% | 296 |
| Noninterest expense to average assets | 4.0916% | 691 |
| Loan and lease loss provision to assets | -0.6110% | 6,464 |
| Net operating income to assets | 4.7081% | 47 |
| Return on assets (ROA) | 4.6693% | 47 |
| Pretax return on assets | 4.6969% | 60 |
| Return on Equity (ROE) | 10.5431% | 1,883 |
| Retained earnings to average equity (ytd only) | 4.2199% | 3,190 |
| Net charge-offs to loans | 0.3290% | 1,339 |
| Credit loss provision to net charge-offs | -232.9883% | 5,661 |
| Earnings coverage of net charge-offs (x) | 15.7298% | 2,064 |
| Efficiency ratio | 49.7966% | 6,103 |
| Assets per employee ($millions) | 7.0722% | 815 |
| Cash dividends to net income (ytd only)* | 59.9747% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 776 |
| Loan loss allowance to noncurrent loans | 14.3436% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 16.4522% | 26 |
| Noncurrent loans to loans | 15.6715% | 21 |
| Net loans and leases to total assets | 82.0353% | 518 |
| Net loans and leases to deposits | 196.2047% | 12 |
| Net loans and leases to core deposits | 232.9248% | 38 |
| Total domestic deposits to total assets | 41.8111% | 6,459 |
| Equity capital to assets | 49.7228% | 42 |
| Core capital (leverage) ratio | 47.4412% | 43 |
| Tier 1 risk-based capital ratio | 69.1270% | 70 |
| Total risk-based capital ratio | 70.3942% | 70 |
| Memoranda: | ||
| Average total assets | $2,321,104,000 | 323 |
| Average earning assets | $2,115,426,800 | 319 |
| Average equity | $1,027,961,600 | 131 |
| Average total loans | $1,850,102,600 | 283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3389% | 56 |
| Cost of funding earning assets | 0.5060% | 2,697 |
| Net interest margin | 6.8329% | 53 |
| Noninterest income to average assets | 2.1570% | 304 |
| Noninterest expense to average assets | 3.9645% | 783 |
| Loan and lease loss provision to assets | -0.5559% | 6,540 |
| Net operating income to assets | 4.9531% | 48 |
| Return on assets (ROA) | 4.9276% | 48 |
| Pretax return on assets | 4.9514% | 62 |
| Return on Equity (ROE) | 11.4338% | 1,651 |
| Retained earnings to average equity (ytd only) | 4.5438% | 3,412 |
| Net charge-offs to loans | 0.3519% | 1,142 |
| Credit loss provision to net charge-offs | -200.5052% | 5,561 |
| Earnings coverage of net charge-offs (x) | 15.9446% | 2,020 |
| Efficiency ratio | 47.2784% | 6,234 |
| Assets per employee ($millions) | 7.2685% | 707 |
| Cash dividends to net income (ytd only)* | 60.2601% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4445% | 691 |
| Loan loss allowance to noncurrent loans | 15.6047% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 16.3018% | 27 |
| Noncurrent loans to loans | 15.6651% | 26 |
| Net loans and leases to total assets | 81.9087% | 520 |
| Net loans and leases to deposits | 179.1585% | 11 |
| Net loans and leases to core deposits | 217.5601% | 41 |
| Total domestic deposits to total assets | 45.7186% | 6,532 |
| Equity capital to assets | 47.1080% | 43 |
| Core capital (leverage) ratio | 44.0776% | 45 |
| Tier 1 risk-based capital ratio | 66.3976% | 74 |
| Total risk-based capital ratio | 67.6681% | 74 |
| Memoranda: | ||
| Average total assets | $2,379,802,000 | 316 |
| Average earning assets | $2,169,296,250 | 312 |
| Average equity | $1,025,608,750 | 132 |
| Average total loans | $1,874,910,750 | 275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6951% | 49 |
| Cost of funding earning assets | 0.5114% | 2,716 |
| Net interest margin | 7.1837% | 45 |
| Noninterest income to average assets | 2.1385% | 317 |
| Noninterest expense to average assets | 3.7521% | 1,043 |
| Loan and lease loss provision to assets | -0.5608% | 6,604 |
| Net operating income to assets | 5.4773% | 43 |
| Return on assets (ROA) | 5.4472% | 43 |
| Pretax return on assets | 5.4566% | 56 |
| Return on Equity (ROE) | 12.9990% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.9990% | 337 |
| Net charge-offs to loans | 0.4758% | 846 |
| Credit loss provision to net charge-offs | -152.5918% | 5,346 |
| Earnings coverage of net charge-offs (x) | 13.4036% | 1,978 |
| Efficiency ratio | 43.2368% | 6,444 |
| Assets per employee ($millions) | 7.7588% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4553% | 757 |
| Loan loss allowance to noncurrent loans | 15.2438% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 16.7603% | 24 |
| Noncurrent loans to loans | 16.1067% | 27 |
| Net loans and leases to total assets | 81.5764% | 510 |
| Net loans and leases to deposits | 173.6077% | 13 |
| Net loans and leases to core deposits | 213.4357% | 40 |
| Total domestic deposits to total assets | 46.9889% | 6,599 |
| Equity capital to assets | 45.0365% | 43 |
| Core capital (leverage) ratio | 43.2800% | 43 |
| Tier 1 risk-based capital ratio | 67.6376% | 74 |
| Total risk-based capital ratio | 68.9105% | 74 |
| Memoranda: | ||
| Average total assets | $2,446,222,670 | 302 |
| Average earning assets | $2,226,842,000 | 300 |
| Average equity | $1,025,075,670 | 130 |
| Average total loans | $1,889,612,000 | 273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0262% | 67 |
| Cost of funding earning assets | 0.5207% | 2,708 |
| Net interest margin | 6.5055% | 65 |
| Noninterest income to average assets | 2.2263% | 280 |
| Noninterest expense to average assets | 3.7760% | 1,025 |
| Loan and lease loss provision to assets | -0.9588% | 6,705 |
| Net operating income to assets | 5.3581% | 45 |
| Return on assets (ROA) | 5.3286% | 45 |
| Pretax return on assets | 5.2894% | 61 |
| Return on Equity (ROE) | 13.1803% | 1,116 |
| Retained earnings to average equity (ytd only) | 13.1803% | 465 |
| Net charge-offs to loans | 0.4088% | 885 |
| Credit loss provision to net charge-offs | -315.9619% | 5,077 |
| Earnings coverage of net charge-offs (x) | 14.3679% | 1,614 |
| Efficiency ratio | 46.4101% | 6,410 |
| Assets per employee ($millions) | 8.1746% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9461% | 462 |
| Loan loss allowance to noncurrent loans | 15.3139% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 17.2432% | 30 |
| Noncurrent loans to loans | 19.2379% | 21 |
| Net loans and leases to total assets | 70.2273% | 1,847 |
| Net loans and leases to deposits | 140.8992% | 23 |
| Net loans and leases to core deposits | 176.0100% | 54 |
| Total domestic deposits to total assets | 49.8422% | 6,670 |
| Equity capital to assets | 42.2251% | 48 |
| Core capital (leverage) ratio | 40.3961% | 48 |
| Tier 1 risk-based capital ratio | 75.8796% | 69 |
| Total risk-based capital ratio | 77.1618% | 67 |
| Memoranda: | ||
| Average total assets | $2,493,877,500 | 299 |
| Average earning assets | $2,265,513,500 | 296 |
| Average equity | $1,008,229,000 | 131 |
| Average total loans | $1,851,387,000 | 272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1643% | 59 |
| Cost of funding earning assets | 0.5719% | 2,907 |
| Net interest margin | 6.5924% | 56 |
| Noninterest income to average assets | 2.5352% | 276 |
| Noninterest expense to average assets | 3.5569% | 1,540 |
| Loan and lease loss provision to assets | -0.0271% | 6,319 |
| Net operating income to assets | 4.9752% | 48 |
| Return on assets (ROA) | 4.9383% | 47 |
| Pretax return on assets | 4.9719% | 56 |
| Return on Equity (ROE) | 14.9388% | 780 |
| Retained earnings to average equity (ytd only) | 7.0019% | 1,432 |
| Net charge-offs to loans | 0.4412% | 1,506 |
| Credit loss provision to net charge-offs | -8.1853% | 5,679 |
| Earnings coverage of net charge-offs (x) | 15.0610% | 1,902 |
| Efficiency ratio | 41.6546% | 6,657 |
| Assets per employee ($millions) | 7.8284% | 515 |
| Cash dividends to net income (ytd only)* | 53.1297% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0640% | 434 |
| Loan loss allowance to noncurrent loans | 16.7394% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 17.2107% | 28 |
| Noncurrent loans to loans | 18.3044% | 25 |
| Net loans and leases to total assets | 73.6894% | 1,401 |
| Net loans and leases to deposits | 140.6132% | 24 |
| Net loans and leases to core deposits | 184.8405% | 46 |
| Total domestic deposits to total assets | 52.4058% | 6,747 |
| Equity capital to assets | 38.7239% | 47 |
| Core capital (leverage) ratio | 38.0630% | 45 |
| Tier 1 risk-based capital ratio | 66.1441% | 78 |
| Total risk-based capital ratio | 67.4281% | 78 |
| Memoranda: | ||
| Average total assets | $2,858,568,200 | 265 |
| Average earning assets | $2,603,328,600 | 262 |
| Average equity | $944,946,400 | 132 |
| Average total loans | $2,143,162,200 | 243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1567% | 60 |
| Cost of funding earning assets | 0.5810% | 2,988 |
| Net interest margin | 6.5757% | 57 |
| Noninterest income to average assets | 2.1215% | 383 |
| Noninterest expense to average assets | 3.5305% | 1,546 |
| Loan and lease loss provision to assets | 0.0751% | 3,554 |
| Net operating income to assets | 4.4882% | 49 |
| Return on assets (ROA) | 4.4514% | 50 |
| Pretax return on assets | 4.4697% | 62 |
| Return on Equity (ROE) | 13.9894% | 1,000 |
| Retained earnings to average equity (ytd only) | 3.2757% | 4,346 |
| Net charge-offs to loans | 0.4622% | 1,386 |
| Credit loss provision to net charge-offs | 21.7368% | 4,042 |
| Earnings coverage of net charge-offs (x) | 13.2622% | 2,045 |
| Efficiency ratio | 43.5219% | 6,669 |
| Assets per employee ($millions) | 7.8751% | 487 |
| Cash dividends to net income (ytd only)* | 76.5845% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1237% | 485 |
| Loan loss allowance to noncurrent loans | 16.8404% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 17.6963% | 29 |
| Noncurrent loans to loans | 18.5491% | 24 |
| Net loans and leases to total assets | 75.1276% | 1,120 |
| Net loans and leases to deposits | 139.5019% | 23 |
| Net loans and leases to core deposits | 175.4033% | 50 |
| Total domestic deposits to total assets | 53.8542% | 6,821 |
| Equity capital to assets | 35.8844% | 50 |
| Core capital (leverage) ratio | 34.1854% | 55 |
| Tier 1 risk-based capital ratio | 60.6696% | 87 |
| Total risk-based capital ratio | 61.9549% | 87 |
| Memoranda: | ||
| Average total assets | $2,933,237,500 | 254 |
| Average earning assets | $2,672,223,250 | 253 |
| Average equity | $933,360,750 | 133 |
| Average total loans | $2,192,454,000 | 234 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0514% | 61 |
| Cost of funding earning assets | 0.5843% | 3,091 |
| Net interest margin | 6.4672% | 60 |
| Noninterest income to average assets | 1.9187% | 473 |
| Noninterest expense to average assets | 3.3704% | 1,889 |
| Loan and lease loss provision to assets | 0.1963% | 1,937 |
| Net operating income to assets | 4.2144% | 54 |
| Return on assets (ROA) | 4.1732% | 57 |
| Pretax return on assets | 4.1954% | 77 |
| Return on Equity (ROE) | 13.6195% | 1,094 |
| Retained earnings to average equity (ytd only) | -2.5283% | 6,258 |
| Net charge-offs to loans | 0.6030% | 1,098 |
| Credit loss provision to net charge-offs | 44.0284% | 3,343 |
| Earnings coverage of net charge-offs (x) | 9.9452% | 2,214 |
| Efficiency ratio | 43.1895% | 6,733 |
| Assets per employee ($millions) | 8.1160% | 440 |
| Cash dividends to net income (ytd only)* | 118.5640% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0906% | 532 |
| Loan loss allowance to noncurrent loans | 17.5058% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 17.1432% | 34 |
| Noncurrent loans to loans | 17.6547% | 31 |
| Net loans and leases to total assets | 73.7796% | 1,286 |
| Net loans and leases to deposits | 130.8660% | 39 |
| Net loans and leases to core deposits | 177.4903% | 54 |
| Total domestic deposits to total assets | 56.3780% | 6,857 |
| Equity capital to assets | 32.4836% | 57 |
| Core capital (leverage) ratio | 31.5723% | 55 |
| Tier 1 risk-based capital ratio | 55.8706% | 103 |
| Total risk-based capital ratio | 57.1554% | 102 |
| Memoranda: | ||
| Average total assets | $3,031,600,330 | 245 |
| Average earning assets | $2,758,707,000 | 245 |
| Average equity | $928,919,330 | 133 |
| Average total loans | $2,241,310,000 | 227 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9296% | 66 |
| Cost of funding earning assets | 0.6016% | 3,092 |
| Net interest margin | 6.3280% | 60 |
| Noninterest income to average assets | 1.5330% | 652 |
| Noninterest expense to average assets | 3.4892% | 1,644 |
| Loan and lease loss provision to assets | 0.1485% | 2,395 |
| Net operating income to assets | 3.6016% | 75 |
| Return on assets (ROA) | 3.5864% | 81 |
| Pretax return on assets | 3.6332% | 103 |
| Return on Equity (ROE) | 12.0275% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.0275% | 699 |
| Net charge-offs to loans | 0.5364% | 1,127 |
| Credit loss provision to net charge-offs | 37.9512% | 2,778 |
| Earnings coverage of net charge-offs (x) | 9.7037% | 1,813 |
| Efficiency ratio | 47.8868% | 6,613 |
| Assets per employee ($millions) | 8.5460% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0284% | 643 |
| Loan loss allowance to noncurrent loans | 17.4082% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 16.7352% | 54 |
| Noncurrent loans to loans | 17.3964% | 43 |
| Net loans and leases to total assets | 72.7404% | 1,239 |
| Net loans and leases to deposits | 127.4927% | 42 |
| Net loans and leases to core deposits | 187.4033% | 49 |
| Total domestic deposits to total assets | 57.0545% | 6,933 |
| Equity capital to assets | 31.8242% | 61 |
| Core capital (leverage) ratio | 30.5103% | 60 |
| Tier 1 risk-based capital ratio | 55.5576% | 107 |
| Total risk-based capital ratio | 56.8414% | 106 |
| Memoranda: | ||
| Average total assets | $3,143,332,000 | 243 |
| Average earning assets | $2,857,816,500 | 236 |
| Average equity | $937,287,500 | 136 |
| Average total loans | $2,293,012,000 | 222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2748% | 66 |
| Cost of funding earning assets | 0.6688% | 3,752 |
| Net interest margin | 6.6060% | 59 |
| Noninterest income to average assets | 2.1841% | 387 |
| Noninterest expense to average assets | 4.1299% | 832 |
| Loan and lease loss provision to assets | 0.0479% | 5,225 |
| Net operating income to assets | 3.8415% | 66 |
| Return on assets (ROA) | 3.7802% | 68 |
| Pretax return on assets | 3.8827% | 81 |
| Return on Equity (ROE) | 14.7451% | 861 |
| Retained earnings to average equity (ytd only) | 1.1284% | 5,312 |
| Net charge-offs to loans | 1.2957% | 750 |
| Credit loss provision to net charge-offs | 5.2880% | 5,447 |
| Earnings coverage of net charge-offs (x) | 4.4094% | 3,373 |
| Efficiency ratio | 50.8378% | 6,535 |
| Assets per employee ($millions) | 8.8353% | 346 |
| Cash dividends to net income (ytd only)* | 92.3470% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9823% | 676 |
| Loan loss allowance to noncurrent loans | 16.7318% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 16.0205% | 67 |
| Noncurrent loans to loans | 17.8243% | 47 |
| Net loans and leases to total assets | 68.9558% | 2,043 |
| Net loans and leases to deposits | 112.1896% | 133 |
| Net loans and leases to core deposits | 194.3779% | 53 |
| Total domestic deposits to total assets | 61.4636% | 6,963 |
| Equity capital to assets | 27.9977% | 71 |
| Core capital (leverage) ratio | 27.9449% | 69 |
| Tier 1 risk-based capital ratio | 51.9389% | 131 |
| Total risk-based capital ratio | 53.2222% | 130 |
| Memoranda: | ||
| Average total assets | $3,580,709,400 | 221 |
| Average earning assets | $3,219,505,400 | 217 |
| Average equity | $917,993,800 | 136 |
| Average total loans | $2,503,127,000 | 198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1104% | 76 |
| Cost of funding earning assets | 0.6845% | 3,902 |
| Net interest margin | 6.4260% | 68 |
| Noninterest income to average assets | 1.5145% | 651 |
| Noninterest expense to average assets | 4.3196% | 650 |
| Loan and lease loss provision to assets | 0.2939% | 2,234 |
| Net operating income to assets | 2.6206% | 147 |
| Return on assets (ROA) | 2.5458% | 172 |
| Pretax return on assets | 2.5850% | 260 |
| Return on Equity (ROE) | 10.1406% | 2,280 |
| Retained earnings to average equity (ytd only) | -8.0377% | 6,751 |
| Net charge-offs to loans | 1.4705% | 595 |
| Credit loss provision to net charge-offs | 28.6988% | 4,818 |
| Earnings coverage of net charge-offs (x) | 2.8858% | 3,887 |
| Efficiency ratio | 59.3767% | 5,601 |
| Assets per employee ($millions) | 9.0849% | 316 |
| Cash dividends to net income (ytd only)* | 179.2629% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2364% | 585 |
| Loan loss allowance to noncurrent loans | 17.9724% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 16.9419% | 65 |
| Noncurrent loans to loans | 18.0078% | 60 |
| Net loans and leases to total assets | 72.4492% | 1,477 |
| Net loans and leases to deposits | 113.9697% | 111 |
| Net loans and leases to core deposits | 241.0837% | 49 |
| Total domestic deposits to total assets | 63.5688% | 7,025 |
| Equity capital to assets | 25.7823% | 100 |
| Core capital (leverage) ratio | 24.1782% | 106 |
| Tier 1 risk-based capital ratio | 45.8892% | 170 |
| Total risk-based capital ratio | 47.1772% | 169 |
| Memoranda: | ||
| Average total assets | $3,651,999,500 | 219 |
| Average earning assets | $3,273,734,500 | 213 |
| Average equity | $916,822,750 | 136 |
| Average total loans | $2,543,326,750 | 199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0103% | 80 |
| Cost of funding earning assets | 0.6878% | 4,117 |
| Net interest margin | 6.3225% | 73 |
| Noninterest income to average assets | 1.0776% | 1,231 |
| Noninterest expense to average assets | 3.6797% | 1,412 |
| Loan and lease loss provision to assets | 0.3449% | 1,908 |
| Net operating income to assets | 2.6443% | 143 |
| Return on assets (ROA) | 2.5640% | 180 |
| Pretax return on assets | 2.6200% | 255 |
| Return on Equity (ROE) | 10.2950% | 2,240 |
| Retained earnings to average equity (ytd only) | 10.2950% | 892 |
| Net charge-offs to loans | 1.5648% | 612 |
| Credit loss provision to net charge-offs | 32.3669% | 4,399 |
| Earnings coverage of net charge-offs (x) | 2.8593% | 3,598 |
| Efficiency ratio | 54.7034% | 6,252 |
| Assets per employee ($millions) | 8.3470% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5868% | 466 |
| Loan loss allowance to noncurrent loans | 18.6618% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 15.9429% | 78 |
| Noncurrent loans to loans | 19.2201% | 52 |
| Net loans and leases to total assets | 63.2575% | 3,188 |
| Net loans and leases to deposits | 99.8079% | 425 |
| Net loans and leases to core deposits | 237.6706% | 45 |
| Total domestic deposits to total assets | 63.3792% | 7,096 |
| Equity capital to assets | 25.8881% | 98 |
| Core capital (leverage) ratio | 24.7960% | 97 |
| Tier 1 risk-based capital ratio | 54.2611% | 115 |
| Total risk-based capital ratio | 55.5566% | 112 |
| Memoranda: | ||
| Average total assets | $3,760,976,330 | 216 |
| Average earning assets | $3,360,364,330 | 212 |
| Average equity | $936,670,330 | 132 |
| Average total loans | $2,561,249,670 | 196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2011% | 79 |
| Cost of funding earning assets | 0.7113% | 4,187 |
| Net interest margin | 6.4898% | 68 |
| Noninterest income to average assets | 0.8472% | 1,957 |
| Noninterest expense to average assets | 3.1496% | 2,759 |
| Loan and lease loss provision to assets | -0.4587% | 7,253 |
| Net operating income to assets | 3.9225% | 68 |
| Return on assets (ROA) | 3.8331% | 74 |
| Pretax return on assets | 3.8359% | 97 |
| Return on Equity (ROE) | 15.6931% | 851 |
| Retained earnings to average equity (ytd only) | 15.6931% | 389 |
| Net charge-offs to loans | 1.6537% | 584 |
| Credit loss provision to net charge-offs | -40.0166% | 5,415 |
| Earnings coverage of net charge-offs (x) | 3.0243% | 2,983 |
| Efficiency ratio | 47.6049% | 6,836 |
| Assets per employee ($millions) | 8.8654% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3307% | 606 |
| Loan loss allowance to noncurrent loans | 17.1521% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 16.1538% | 88 |
| Noncurrent loans to loans | 19.4185% | 56 |
| Net loans and leases to total assets | 64.6855% | 2,720 |
| Net loans and leases to deposits | 98.8723% | 409 |
| Net loans and leases to core deposits | 248.7282% | 43 |
| Total domestic deposits to total assets | 65.4232% | 7,119 |
| Equity capital to assets | 24.6835% | 102 |
| Core capital (leverage) ratio | 24.5075% | 103 |
| Tier 1 risk-based capital ratio | 51.0559% | 124 |
| Total risk-based capital ratio | 52.3462% | 124 |
| Memoranda: | ||
| Average total assets | $3,792,603,500 | 216 |
| Average earning assets | $3,371,297,500 | 205 |
| Average equity | $926,371,000 | 132 |
| Average total loans | $2,628,822,000 | 193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0419% | 53 |
| Cost of funding earning assets | 0.7911% | 4,931 |
| Net interest margin | 7.2508% | 42 |
| Noninterest income to average assets | 1.1266% | 1,039 |
| Noninterest expense to average assets | 3.7855% | 1,373 |
| Loan and lease loss provision to assets | 2.8066% | 140 |
| Net operating income to assets | 0.9608% | 2,355 |
| Return on assets (ROA) | 0.8525% | 2,963 |
| Pretax return on assets | 0.8884% | 3,646 |
| Return on Equity (ROE) | 3.8945% | 4,902 |
| Retained earnings to average equity (ytd only) | -11.7171% | 6,757 |
| Net charge-offs to loans | 1.9022% | 758 |
| Credit loss provision to net charge-offs | 228.5085% | 1,059 |
| Earnings coverage of net charge-offs (x) | 3.1002% | 3,655 |
| Efficiency ratio | 49.8536% | 6,843 |
| Assets per employee ($millions) | 8.4201% | 405 |
| Cash dividends to net income (ytd only)* | 400.8594% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7319% | 453 |
| Loan loss allowance to noncurrent loans | 19.6245% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 16.9741% | 87 |
| Noncurrent loans to loans | 19.0167% | 62 |
| Net loans and leases to total assets | 69.0842% | 2,201 |
| Net loans and leases to deposits | 106.0826% | 247 |
| Net loans and leases to core deposits | 314.9235% | 41 |
| Total domestic deposits to total assets | 65.1230% | 7,153 |
| Equity capital to assets | 24.1629% | 113 |
| Core capital (leverage) ratio | 22.9152% | 124 |
| Tier 1 risk-based capital ratio | 47.3222% | 149 |
| Total risk-based capital ratio | 48.6214% | 148 |
| Memoranda: | ||
| Average total assets | $3,657,869,600 | 214 |
| Average earning assets | $3,262,293,800 | 206 |
| Average equity | $800,685,400 | 139 |
| Average total loans | $2,361,792,600 | 209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5915% | 171 |
| Cost of funding earning assets | 0.5162% | 6,643 |
| Net interest margin | 6.0753% | 86 |
| Noninterest income to average assets | 1.2427% | 840 |
| Noninterest expense to average assets | 3.0495% | 3,353 |
| Loan and lease loss provision to assets | 2.2573% | 220 |
| Net operating income to assets | 1.3014% | 1,371 |
| Return on assets (ROA) | 1.1770% | 1,842 |
| Pretax return on assets | 1.2242% | 2,544 |
| Return on Equity (ROE) | 5.5252% | 4,269 |
| Retained earnings to average equity (ytd only) | -16.0072% | 7,012 |
| Net charge-offs to loans | 1.7436% | 783 |
| Credit loss provision to net charge-offs | 206.4470% | 1,419 |
| Earnings coverage of net charge-offs (x) | 3.3026% | 3,492 |
| Efficiency ratio | 45.7846% | 7,073 |
| Assets per employee ($millions) | 7.9786% | 470 |
| Cash dividends to net income (ytd only)* | 389.7116% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9478% | 901 |
| Loan loss allowance to noncurrent loans | 14.5137% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 15.1064% | 128 |
| Noncurrent loans to loans | 20.3104% | 51 |
| Net loans and leases to total assets | 61.2256% | 3,900 |
| Net loans and leases to deposits | 80.6441% | 2,570 |
| Net loans and leases to core deposits | 231.6843% | 55 |
| Total domestic deposits to total assets | 75.9207% | 6,542 |
| Equity capital to assets | 19.5918% | 273 |
| Core capital (leverage) ratio | 20.8836% | 182 |
| Tier 1 risk-based capital ratio | 40.6060% | 237 |
| Total risk-based capital ratio | 41.8881% | 232 |
| Memoranda: | ||
| Average total assets | $3,633,500,000 | 213 |
| Average earning assets | $3,240,301,500 | 206 |
| Average equity | $774,006,750 | 144 |
| Average total loans | $2,278,509,500 | 214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6104% | 179 |
| Cost of funding earning assets | 0.5249% | 6,762 |
| Net interest margin | 6.0855% | 90 |
| Noninterest income to average assets | 1.2067% | 874 |
| Noninterest expense to average assets | 2.9002% | 4,020 |
| Loan and lease loss provision to assets | 2.5248% | 207 |
| Net operating income to assets | 1.1547% | 1,702 |
| Return on assets (ROA) | 0.9908% | 2,368 |
| Pretax return on assets | 1.0127% | 3,196 |
| Return on Equity (ROE) | 4.5332% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5332% | 3,304 |
| Net charge-offs to loans | 1.9949% | 675 |
| Credit loss provision to net charge-offs | 202.2199% | 1,494 |
| Earnings coverage of net charge-offs (x) | 2.9672% | 3,368 |
| Efficiency ratio | 43.9096% | 7,236 |
| Assets per employee ($millions) | 8.3377% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4659% | 1,502 |
| Loan loss allowance to noncurrent loans | 12.2861% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 15.2327% | 137 |
| Noncurrent loans to loans | 20.0705% | 62 |
| Net loans and leases to total assets | 64.0672% | 3,447 |
| Net loans and leases to deposits | 92.8203% | 970 |
| Net loans and leases to core deposits | 352.3580% | 42 |
| Total domestic deposits to total assets | 69.0228% | 7,153 |
| Equity capital to assets | 22.7373% | 159 |
| Core capital (leverage) ratio | 21.2137% | 180 |
| Tier 1 risk-based capital ratio | 42.4686% | 207 |
| Total risk-based capital ratio | 43.7406% | 208 |
| Memoranda: | ||
| Average total assets | $3,658,508,000 | 215 |
| Average earning assets | $3,245,349,330 | 210 |
| Average equity | $799,619,670 | 140 |
| Average total loans | $2,289,722,330 | 215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 237 |
| Cost of funding earning assets | 0.5213% | 6,890 |
| Net interest margin | 5.9042% | 107 |
| Noninterest income to average assets | 1.4298% | 625 |
| Noninterest expense to average assets | 2.8873% | 4,116 |
| Loan and lease loss provision to assets | 3.4826% | 129 |
| Net operating income to assets | 0.3708% | 5,074 |
| Return on assets (ROA) | 0.3708% | 5,157 |
| Pretax return on assets | 0.3759% | 5,411 |
| Return on Equity (ROE) | 1.7300% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.7300% | 5,085 |
| Net charge-offs to loans | 2.2635% | 533 |
| Credit loss provision to net charge-offs | 251.8472% | 1,238 |
| Earnings coverage of net charge-offs (x) | 2.7903% | 2,965 |
| Efficiency ratio | 42.8022% | 7,326 |
| Assets per employee ($millions) | 8.2978% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4241% | 1,574 |
| Loan loss allowance to noncurrent loans | 10.5223% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 16.0148% | 134 |
| Noncurrent loans to loans | 23.0379% | 46 |
| Net loans and leases to total assets | 59.9659% | 4,270 |
| Net loans and leases to deposits | 82.4493% | 2,283 |
| Net loans and leases to core deposits | 365.4768% | 41 |
| Total domestic deposits to total assets | 72.7306% | 7,019 |
| Equity capital to assets | 21.9890% | 172 |
| Core capital (leverage) ratio | 21.9948% | 160 |
| Tier 1 risk-based capital ratio | 52.3027% | 139 |
| Total risk-based capital ratio | 53.5811% | 139 |
| Memoranda: | ||
| Average total assets | $3,703,492,000 | 214 |
| Average earning assets | $3,334,516,000 | 207 |
| Average equity | $793,735,500 | 140 |
| Average total loans | $2,262,550,500 | 217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5019% | 81 |
| Cost of funding earning assets | 0.6559% | 6,993 |
| Net interest margin | 6.8460% | 56 |
| Noninterest income to average assets | 1.4212% | 715 |
| Noninterest expense to average assets | 3.7521% | 1,585 |
| Loan and lease loss provision to assets | 1.8377% | 747 |
| Net operating income to assets | 1.9188% | 327 |
| Return on assets (ROA) | 1.9859% | 301 |
| Pretax return on assets | 1.9791% | 505 |
| Return on Equity (ROE) | 9.3294% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.3294% | 634 |
| Net charge-offs to loans | 2.0879% | 959 |
| Credit loss provision to net charge-offs | 123.1857% | 3,376 |
| Earnings coverage of net charge-offs (x) | 2.5135% | 3,857 |
| Efficiency ratio | 50.0162% | 7,127 |
| Assets per employee ($millions) | 8.4017% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 4,033 |
| Loan loss allowance to noncurrent loans | 6.7132% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 15.2786% | 158 |
| Noncurrent loans to loans | 22.2987% | 58 |
| Net loans and leases to total assets | 59.8361% | 4,704 |
| Net loans and leases to deposits | 81.5987% | 2,885 |
| Net loans and leases to core deposits | 395.5047% | 40 |
| Total domestic deposits to total assets | 73.3297% | 6,966 |
| Equity capital to assets | 20.9004% | 214 |
| Core capital (leverage) ratio | 21.4505% | 185 |
| Tier 1 risk-based capital ratio | 49.7870% | 148 |
| Total risk-based capital ratio | 51.0484% | 146 |
| Memoranda: | ||
| Average total assets | $3,582,912,000 | 218 |
| Average earning assets | $3,182,378,200 | 218 |
| Average equity | $762,688,800 | 140 |
| Average total loans | $2,560,095,000 | 203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6914% | 75 |
| Cost of funding earning assets | 0.6555% | 7,167 |
| Net interest margin | 7.0359% | 52 |
| Noninterest income to average assets | 1.3263% | 776 |
| Noninterest expense to average assets | 4.1232% | 912 |
| Loan and lease loss provision to assets | 1.2944% | 1,076 |
| Net operating income to assets | 2.1453% | 265 |
| Return on assets (ROA) | 2.2361% | 239 |
| Pretax return on assets | 2.2251% | 387 |
| Return on Equity (ROE) | 10.4535% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.4535% | 693 |
| Net charge-offs to loans | 1.7813% | 1,091 |
| Credit loss provision to net charge-offs | 97.7643% | 4,447 |
| Earnings coverage of net charge-offs (x) | 2.5896% | 3,855 |
| Efficiency ratio | 54.5986% | 6,730 |
| Assets per employee ($millions) | 7.6329% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,778 |
| Loan loss allowance to noncurrent loans | 4.2669% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 16.3620% | 119 |
| Noncurrent loans to loans | 20.8455% | 65 |
| Net loans and leases to total assets | 67.3847% | 3,359 |
| Net loans and leases to deposits | 89.8797% | 1,742 |
| Net loans and leases to core deposits | 381.5246% | 37 |
| Total domestic deposits to total assets | 74.9721% | 6,801 |
| Equity capital to assets | 22.1429% | 192 |
| Core capital (leverage) ratio | 22.2271% | 169 |
| Tier 1 risk-based capital ratio | 43.7132% | 195 |
| Total risk-based capital ratio | 44.9071% | 195 |
| Memoranda: | ||
| Average total assets | $3,531,353,750 | 219 |
| Average earning assets | $3,124,652,500 | 218 |
| Average equity | $755,374,500 | 139 |
| Average total loans | $2,624,685,250 | 196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9074% | 66 |
| Cost of funding earning assets | 0.6309% | 7,341 |
| Net interest margin | 7.2765% | 50 |
| Noninterest income to average assets | 1.3448% | 699 |
| Noninterest expense to average assets | 4.0180% | 1,021 |
| Loan and lease loss provision to assets | 1.3862% | 969 |
| Net operating income to assets | 2.4110% | 161 |
| Return on assets (ROA) | 2.5470% | 133 |
| Pretax return on assets | 2.4984% | 232 |
| Return on Equity (ROE) | 12.0479% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.0479% | 483 |
| Net charge-offs to loans | 1.9531% | 938 |
| Credit loss provision to net charge-offs | 92.8642% | 4,340 |
| Earnings coverage of net charge-offs (x) | 2.5112% | 3,745 |
| Efficiency ratio | 51.7346% | 7,098 |
| Assets per employee ($millions) | 6.6281% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 6,961 |
| Loan loss allowance to noncurrent loans | 4.2203% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 16.1410% | 113 |
| Noncurrent loans to loans | 19.7039% | 93 |
| Net loans and leases to total assets | 69.2903% | 3,067 |
| Net loans and leases to deposits | 94.2576% | 1,242 |
| Net loans and leases to core deposits | 364.2297% | 41 |
| Total domestic deposits to total assets | 73.5116% | 7,040 |
| Equity capital to assets | 22.2154% | 191 |
| Core capital (leverage) ratio | 22.4263% | 164 |
| Tier 1 risk-based capital ratio | 43.5055% | 196 |
| Total risk-based capital ratio | 44.6418% | 196 |
| Memoranda: | ||
| Average total assets | $3,535,554,330 | 219 |
| Average earning assets | $3,120,231,000 | 217 |
| Average equity | $747,448,000 | 139 |
| Average total loans | $2,702,121,000 | 191 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0480% | 68 |
| Cost of funding earning assets | 0.5579% | 7,592 |
| Net interest margin | 7.4901% | 52 |
| Noninterest income to average assets | 1.6848% | 448 |
| Noninterest expense to average assets | 3.8502% | 1,245 |
| Loan and lease loss provision to assets | 2.6791% | 384 |
| Net operating income to assets | 1.8814% | 418 |
| Return on assets (ROA) | 2.1511% | 300 |
| Pretax return on assets | 2.0413% | 567 |
| Return on Equity (ROE) | 10.4332% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.4332% | 1,059 |
| Net charge-offs to loans | 3.3968% | 425 |
| Credit loss provision to net charge-offs | 99.0587% | 3,472 |
| Earnings coverage of net charge-offs (x) | 1.6456% | 3,746 |
| Efficiency ratio | 46.3833% | 7,532 |
| Assets per employee ($millions) | 4.9534% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 6,985 |
| Loan loss allowance to noncurrent loans | 4.3902% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 18.2752% | 82 |
| Noncurrent loans to loans | 19.4171% | 88 |
| Net loans and leases to total assets | 79.1238% | 962 |
| Net loans and leases to deposits | 108.0604% | 341 |
| Net loans and leases to core deposits | 344.1020% | 46 |
| Total domestic deposits to total assets | 73.2218% | 7,140 |
| Equity capital to assets | 23.1941% | 176 |
| Core capital (leverage) ratio | 20.4274% | 232 |
| Tier 1 risk-based capital ratio | 45.9966% | 177 |
| Total risk-based capital ratio | 47.2471% | 177 |
| Memoranda: | ||
| Average total assets | $3,566,757,500 | 221 |
| Average earning assets | $3,150,542,500 | 220 |
| Average equity | $735,386,000 | 140 |
| Average total loans | $2,839,815,000 | 190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7798% | 51 |
| Cost of funding earning assets | 0.9021% | 7,404 |
| Net interest margin | 7.8777% | 36 |
| Noninterest income to average assets | 5.9508% | 123 |
| Noninterest expense to average assets | 4.1445% | 1,168 |
| Loan and lease loss provision to assets | 0.7947% | 2,748 |
| Net operating income to assets | 8.1785% | 20 |
| Return on assets (ROA) | 8.0189% | 20 |
| Pretax return on assets | 8.1253% | 24 |
| Return on Equity (ROE) | 40.8261% | 19 |
| Retained earnings to average equity (ytd only) | 11.1966% | 275 |
| Net charge-offs to loans | 0.4650% | 3,919 |
| Credit loss provision to net charge-offs | 196.9114% | 2,006 |
| Earnings coverage of net charge-offs (x) | 22.5004% | 961 |
| Efficiency ratio | 31.0780% | 7,931 |
| Assets per employee ($millions) | 6.2479% | 1,112 |
| Cash dividends to net income (ytd only)* | 72.5748% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 7,364 |
| Loan loss allowance to noncurrent loans | 4.5835% | 7,423 |
| Noncurrent assets plus other real estate owned to assets | 14.8192% | 143 |
| Noncurrent loans to loans | 15.4379% | 161 |
| Net loans and leases to total assets | 78.9052% | 1,204 |
| Net loans and leases to deposits | 115.2131% | 247 |
| Net loans and leases to core deposits | 132.0385% | 1,171 |
| Total domestic deposits to total assets | 68.4863% | 7,516 |
| Equity capital to assets | 18.5102% | 408 |
| Core capital (leverage) ratio | 18.3955% | 373 |
| Tier 1 risk-based capital ratio | 35.8252% | 325 |
| Total risk-based capital ratio | 36.9204% | 323 |
| Memoranda: | ||
| Average total assets | $2,783,660,400 | 265 |
| Average earning assets | $2,570,671,000 | 264 |
| Average equity | $546,753,200 | 171 |
| Average total loans | $2,415,880,000 | 220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6294% | 42 |
| Cost of funding earning assets | 1.0703% | 7,241 |
| Net interest margin | 8.5591% | 34 |
| Noninterest income to average assets | 1.1877% | 1,105 |
| Noninterest expense to average assets | 4.3080% | 907 |
| Loan and lease loss provision to assets | 1.1297% | 1,727 |
| Net operating income to assets | 3.6115% | 43 |
| Return on assets (ROA) | 3.6115% | 44 |
| Pretax return on assets | 3.7526% | 57 |
| Return on Equity (ROE) | 17.9803% | 458 |
| Retained earnings to average equity (ytd only) | -25.0576% | 7,485 |
| Net charge-offs to loans | 0.1610% | 5,104 |
| Credit loss provision to net charge-offs | 782.6617% | 489 |
| Earnings coverage of net charge-offs (x) | 33.8247% | 850 |
| Efficiency ratio | 46.5012% | 7,746 |
| Assets per employee ($millions) | 4.6569% | 2,621 |
| Cash dividends to net income (ytd only)* | 239.3617% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 4,439 |
| Loan loss allowance to noncurrent loans | 10.2442% | 7,450 |
| Noncurrent assets plus other real estate owned to assets | 13.0567% | 180 |
| Noncurrent loans to loans | 12.7882% | 233 |
| Net loans and leases to total assets | 89.6242% | 131 |
| Net loans and leases to deposits | 122.9893% | 155 |
| Net loans and leases to core deposits | 129.2545% | 1,480 |
| Total domestic deposits to total assets | 72.8716% | 7,098 |
| Equity capital to assets | 16.5968% | 693 |
| Core capital (leverage) ratio | 16.3067% | 637 |
| Tier 1 risk-based capital ratio | 23.3794% | 1,064 |
| Total risk-based capital ratio | 24.6350% | 1,038 |
| Memoranda: | ||
| Average total assets | $2,498,653,750 | 306 |
| Average earning assets | $2,336,203,250 | 300 |
| Average equity | $501,871,000 | 189 |
| Average total loans | $2,240,336,000 | 247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9754% | 38 |
| Cost of funding earning assets | 1.1931% | 7,123 |
| Net interest margin | 8.7824% | 32 |
| Noninterest income to average assets | 0.7625% | 2,638 |
| Noninterest expense to average assets | 3.9766% | 1,355 |
| Loan and lease loss provision to assets | 0.7494% | 2,192 |
| Net operating income to assets | 4.0424% | 37 |
| Return on assets (ROA) | 4.0424% | 37 |
| Pretax return on assets | 4.2427% | 47 |
| Return on Equity (ROE) | 19.0285% | 399 |
| Retained earnings to average equity (ytd only) | 19.0285% | 86 |
| Net charge-offs to loans | 0.1671% | 4,552 |
| Credit loss provision to net charge-offs | 502.1972% | 913 |
| Earnings coverage of net charge-offs (x) | 33.4550% | 925 |
| Efficiency ratio | 44.0190% | 7,923 |
| Assets per employee ($millions) | 5.4517% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 7,084 |
| Loan loss allowance to noncurrent loans | 6.8902% | 7,531 |
| Noncurrent assets plus other real estate owned to assets | 11.8083% | 193 |
| Noncurrent loans to loans | 11.9068% | 232 |
| Net loans and leases to total assets | 88.8907% | 192 |
| Net loans and leases to deposits | 122.0893% | 198 |
| Net loans and leases to core deposits | 129.5617% | 1,605 |
| Total domestic deposits to total assets | 72.8079% | 7,139 |
| Equity capital to assets | 21.8267% | 289 |
| Core capital (leverage) ratio | 21.6490% | 289 |
| Tier 1 risk-based capital ratio | 29.5349% | 630 |
| Total risk-based capital ratio | 30.5383% | 630 |
| Memoranda: | ||
| Average total assets | $2,501,058,330 | 313 |
| Average earning assets | $2,336,979,330 | 305 |
| Average equity | $531,328,000 | 181 |
| Average total loans | $2,232,923,330 | 257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4705% | 39 |
| Cost of funding earning assets | 1.3626% | 6,836 |
| Net interest margin | 9.1079% | 31 |
| Noninterest income to average assets | 0.8308% | 2,172 |
| Noninterest expense to average assets | 3.7843% | 1,498 |
| Loan and lease loss provision to assets | 0.6401% | 1,969 |
| Net operating income to assets | 4.8005% | 27 |
| Return on assets (ROA) | 4.8005% | 30 |
| Pretax return on assets | 4.9285% | 41 |
| Return on Equity (ROE) | 22.9184% | 269 |
| Retained earnings to average equity (ytd only) | 22.9184% | 113 |
| Net charge-offs to loans | 0.2091% | 3,388 |
| Credit loss provision to net charge-offs | 343.5121% | 1,462 |
| Earnings coverage of net charge-offs (x) | 29.8824% | 1,058 |
| Efficiency ratio | 40.3213% | 8,043 |
| Assets per employee ($millions) | 5.5085% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 7,632 |
| Loan loss allowance to noncurrent loans | 5.7478% | 7,544 |
| Noncurrent assets plus other real estate owned to assets | 10.5465% | 200 |
| Noncurrent loans to loans | 10.7262% | 244 |
| Net loans and leases to total assets | 89.7816% | 152 |
| Net loans and leases to deposits | 144.3751% | 77 |
| Net loans and leases to core deposits | 157.5249% | 536 |
| Total domestic deposits to total assets | 62.1863% | 7,906 |
| Equity capital to assets | 21.1629% | 353 |
| Core capital (leverage) ratio | 21.0735% | 346 |
| Tier 1 risk-based capital ratio | 29.5337% | 650 |
| Total risk-based capital ratio | 30.3140% | 666 |
| Memoranda: | ||
| Average total assets | $2,481,336,000 | 316 |
| Average earning assets | $2,321,728,500 | 308 |
| Average equity | $519,738,500 | 181 |
| Average total loans | $2,210,910,000 | 261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3892% | 43 |
| Cost of funding earning assets | 2.2221% | 5,498 |
| Net interest margin | 8.1671% | 37 |
| Noninterest income to average assets | 5.6366% | 112 |
| Noninterest expense to average assets | 4.7127% | 757 |
| Loan and lease loss provision to assets | 0.3859% | 3,380 |
| Net operating income to assets | 8.1035% | 24 |
| Return on assets (ROA) | 8.1035% | 25 |
| Pretax return on assets | 8.1487% | 32 |
| Return on Equity (ROE) | 31.9449% | 44 |
| Retained earnings to average equity (ytd only) | 22.3485% | 21 |
| Net charge-offs to loans | 0.2554% | 3,719 |
| Credit loss provision to net charge-offs | 180.5804% | 2,787 |
| Earnings coverage of net charge-offs (x) | 39.9373% | 934 |
| Efficiency ratio | 35.4919% | 8,199 |
| Assets per employee ($millions) | 5.9775% | 1,147 |
| Cash dividends to net income (ytd only)* | 30.0403% | 4,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5191% | 7,821 |
| Loan loss allowance to noncurrent loans | 6.4969% | 7,537 |
| Noncurrent assets plus other real estate owned to assets | 7.6635% | 313 |
| Noncurrent loans to loans | 7.9904% | 336 |
| Net loans and leases to total assets | 87.3778% | 428 |
| Net loans and leases to deposits | 177.6191% | 53 |
| Net loans and leases to core deposits | 200.8316% | 167 |
| Total domestic deposits to total assets | 49.1939% | 8,129 |
| Equity capital to assets | 20.7235% | 423 |
| Core capital (leverage) ratio | 20.4384% | 411 |
| Tier 1 risk-based capital ratio | 30.2536% | 627 |
| Total risk-based capital ratio | 30.9300% | 639 |
| Memoranda: | ||
| Average total assets | $1,725,326,800 | 411 |
| Average earning assets | $1,607,791,400 | 401 |
| Average equity | $437,666,000 | 206 |
| Average total loans | $1,443,753,400 | 360 |