Home > Morton Community Bank > Performance and Condition Ratios
Morton Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 3,252 |
| Cost of funding earning assets | 1.5435% | 1,828 |
| Net interest margin | 2.8705% | 3,537 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.6723% | 4,165 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3714% | 1,273 |
| Return on assets (ROA) | 1.3203% | 1,359 |
| Pretax return on assets | 1.3293% | 1,797 |
| Return on Equity (ROE) | 21.5600% | 494 |
| Retained earnings to average equity (ytd only) | 1.1157% | 3,807 |
| Net charge-offs to loans | 0.0597% | 1,261 |
| Credit loss provision to net charge-offs | 187.6434% | 1,271 |
| Earnings coverage of net charge-offs (x) | 39.6522% | 1,450 |
| Efficiency ratio | 50.4975% | 3,947 |
| Assets per employee ($millions) | 10.1600% | 670 |
| Cash dividends to net income (ytd only)* | 94.8249% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,013 |
| Loan loss allowance to noncurrent loans | 92.0727% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 578 |
| Noncurrent loans to loans | 1.3577% | 510 |
| Net loans and leases to total assets | 63.4300% | 2,515 |
| Net loans and leases to deposits | 77.4186% | 2,319 |
| Net loans and leases to core deposits | 85.6311% | 2,330 |
| Total domestic deposits to total assets | 81.9300% | 3,137 |
| Equity capital to assets | 7.1518% | 3,874 |
| Core capital (leverage) ratio | 9.1141% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8860% | 2,277 |
| Memoranda: | ||
| Average total assets | $5,271,842,000 | 266 |
| Average earning assets | $4,991,144,200 | 255 |
| Average equity | $322,840,600 | 373 |
| Average total loans | $3,211,118,600 | 286 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,357 |
| Cost of funding earning assets | 1.4258% | 1,796 |
| Net interest margin | 2.8350% | 3,669 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.6867% | 4,144 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3187% | 1,503 |
| Return on assets (ROA) | 1.3187% | 1,485 |
| Pretax return on assets | 1.3287% | 1,950 |
| Return on Equity (ROE) | 22.5500% | 518 |
| Retained earnings to average equity (ytd only) | -6.4141% | 4,453 |
| Net charge-offs to loans | 0.0800% | 921 |
| Credit loss provision to net charge-offs | 83.3244% | 1,743 |
| Earnings coverage of net charge-offs (x) | 28.2961% | 1,622 |
| Efficiency ratio | 52.4497% | 3,723 |
| Assets per employee ($millions) | 9.8510% | 703 |
| Cash dividends to net income (ytd only)* | 128.4447% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,174 |
| Loan loss allowance to noncurrent loans | 124.5648% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 743 |
| Noncurrent loans to loans | 0.9948% | 813 |
| Net loans and leases to total assets | 62.3800% | 2,611 |
| Net loans and leases to deposits | 72.5372% | 2,675 |
| Net loans and leases to core deposits | 79.8474% | 2,616 |
| Total domestic deposits to total assets | 86.0000% | 2,195 |
| Equity capital to assets | 5.7510% | 4,071 |
| Core capital (leverage) ratio | 8.7885% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7126% | 2,382 |
| Memoranda: | ||
| Average total assets | $5,195,336,750 | 271 |
| Average earning assets | $4,922,248,250 | 261 |
| Average equity | $303,820,750 | 395 |
| Average total loans | $3,118,214,000 | 297 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,683 |
| Cost of funding earning assets | 1.3001% | 1,713 |
| Net interest margin | 2.7036% | 3,967 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.6240% | 4,237 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2852% | 1,606 |
| Return on assets (ROA) | 1.2853% | 1,593 |
| Pretax return on assets | 1.2944% | 2,100 |
| Return on Equity (ROE) | 21.8500% | 552 |
| Retained earnings to average equity (ytd only) | -22.1139% | 4,586 |
| Net charge-offs to loans | -0.0047% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.6530% | 3,729 |
| Assets per employee ($millions) | 9.8781% | 688 |
| Cash dividends to net income (ytd only)* | 201.1950% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,851 |
| Loan loss allowance to noncurrent loans | 115.8009% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 629 |
| Noncurrent loans to loans | 1.1388% | 620 |
| Net loans and leases to total assets | 59.1400% | 2,855 |
| Net loans and leases to deposits | 68.7319% | 2,878 |
| Net loans and leases to core deposits | 75.8820% | 2,767 |
| Total domestic deposits to total assets | 86.0400% | 2,215 |
| Equity capital to assets | 5.9416% | 4,175 |
| Core capital (leverage) ratio | 9.1726% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4551% | 2,477 |
| Memoranda: | ||
| Average total assets | $5,104,630,333 | 264 |
| Average earning assets | $4,846,256,333 | 257 |
| Average equity | $300,228,000 | 385 |
| Average total loans | $3,006,522,333 | 291 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,591 |
| Cost of funding earning assets | 1.1715% | 1,529 |
| Net interest margin | 2.7671% | 3,990 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.5283% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4295% | 1,328 |
| Return on assets (ROA) | 1.4305% | 1,300 |
| Pretax return on assets | 1.4383% | 1,794 |
| Return on Equity (ROE) | 24.4700% | 430 |
| Retained earnings to average equity (ytd only) | 10.3939% | 1,607 |
| Net charge-offs to loans | -0.0406% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.6268% | 3,970 |
| Assets per employee ($millions) | 11.5650% | 446 |
| Cash dividends to net income (ytd only)* | 57.5175% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,935 |
| Loan loss allowance to noncurrent loans | 145.3250% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 734 |
| Noncurrent loans to loans | 0.9102% | 830 |
| Net loans and leases to total assets | 57.9600% | 2,875 |
| Net loans and leases to deposits | 69.2362% | 2,679 |
| Net loans and leases to core deposits | 76.0819% | 2,525 |
| Total domestic deposits to total assets | 83.7100% | 3,153 |
| Equity capital to assets | 6.3450% | 4,086 |
| Core capital (leverage) ratio | 9.5701% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6085% | 1,762 |
| Memoranda: | ||
| Average total assets | $4,861,430,000 | 285 |
| Average earning assets | $4,632,650,000 | 271 |
| Average equity | $284,244,500 | 410 |
| Average total loans | $2,834,537,000 | 311 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 3,597 |
| Cost of funding earning assets | 0.5284% | 1,218 |
| Net interest margin | 2.7647% | 3,947 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.4687% | 4,454 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4397% | 1,028 |
| Return on assets (ROA) | 1.3672% | 1,178 |
| Pretax return on assets | 1.3811% | 1,820 |
| Return on Equity (ROE) | 20.3200% | 449 |
| Retained earnings to average equity (ytd only) | 6.6657% | 2,380 |
| Net charge-offs to loans | 0.0057% | 2,214 |
| Credit loss provision to net charge-offs | -1,290.3226% | 4,670 |
| Earnings coverage of net charge-offs (x) | 446.6452% | 361 |
| Efficiency ratio | 49.0097% | 4,184 |
| Assets per employee ($millions) | 11.6401% | 436 |
| Cash dividends to net income (ytd only)* | 67.2003% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,817 |
| Loan loss allowance to noncurrent loans | 132.3703% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 667 |
| Noncurrent loans to loans | 0.9955% | 734 |
| Net loans and leases to total assets | 57.1200% | 2,905 |
| Net loans and leases to deposits | 66.3603% | 2,869 |
| Net loans and leases to core deposits | 73.9663% | 2,564 |
| Total domestic deposits to total assets | 86.0700% | 2,702 |
| Equity capital to assets | 5.3497% | 4,280 |
| Core capital (leverage) ratio | 9.4118% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4960% | 1,783 |
| Memoranda: | ||
| Average total assets | $4,897,948,600 | 276 |
| Average earning assets | $4,671,762,600 | 265 |
| Average equity | $329,509,600 | 361 |
| Average total loans | $2,722,489,000 | 301 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1376% | 3,587 |
| Cost of funding earning assets | 0.4200% | 1,157 |
| Net interest margin | 2.7177% | 3,894 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.3721% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5395% | 761 |
| Return on assets (ROA) | 1.5395% | 743 |
| Pretax return on assets | 1.5546% | 1,251 |
| Return on Equity (ROE) | 21.7800% | 306 |
| Retained earnings to average equity (ytd only) | 6.0154% | 2,752 |
| Net charge-offs to loans | 0.0031% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 922.6129% | 169 |
| Efficiency ratio | 44.9670% | 4,427 |
| Assets per employee ($millions) | 11.6265% | 432 |
| Cash dividends to net income (ytd only)* | 72.3781% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,517 |
| Loan loss allowance to noncurrent loans | 160.5825% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 674 |
| Noncurrent loans to loans | 0.8888% | 884 |
| Net loans and leases to total assets | 56.3800% | 2,866 |
| Net loans and leases to deposits | 63.7270% | 2,890 |
| Net loans and leases to core deposits | 70.4573% | 2,609 |
| Total domestic deposits to total assets | 88.4800% | 2,283 |
| Equity capital to assets | 5.2069% | 4,232 |
| Core capital (leverage) ratio | 9.2314% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8022% | 1,768 |
| Memoranda: | ||
| Average total assets | $4,906,044,250 | 277 |
| Average earning assets | $4,682,301,750 | 268 |
| Average equity | $346,813,500 | 349 |
| Average total loans | $2,699,061,000 | 298 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0092% | 3,540 |
| Cost of funding earning assets | 0.3579% | 1,204 |
| Net interest margin | 2.6513% | 3,812 |
| Noninterest income to average assets | 0.3482% | 3,068 |
| Noninterest expense to average assets | 1.3435% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5217% | 671 |
| Return on assets (ROA) | 1.5217% | 651 |
| Pretax return on assets | 1.5364% | 1,082 |
| Return on Equity (ROE) | 19.8334% | 318 |
| Retained earnings to average equity (ytd only) | 0.8399% | 4,028 |
| Net charge-offs to loans | 0.0103% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 275.0435% | 431 |
| Efficiency ratio | 44.7171% | 4,503 |
| Assets per employee ($millions) | 11.8865% | 393 |
| Cash dividends to net income (ytd only)* | 95.7651% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,540 |
| Loan loss allowance to noncurrent loans | 111.9418% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 530 |
| Noncurrent loans to loans | 1.3004% | 607 |
| Net loans and leases to total assets | 52.8041% | 3,080 |
| Net loans and leases to deposits | 60.0563% | 3,045 |
| Net loans and leases to core deposits | 67.0952% | 2,729 |
| Total domestic deposits to total assets | 87.9244% | 2,602 |
| Equity capital to assets | 5.8761% | 4,242 |
| Core capital (leverage) ratio | 8.9149% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6742% | 1,811 |
| Memoranda: | ||
| Average total assets | $4,940,806,333 | 272 |
| Average earning assets | $4,717,903,667 | 265 |
| Average equity | $379,077,667 | 326 |
| Average total loans | $2,683,214,667 | 295 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9666% | 3,351 |
| Cost of funding earning assets | 0.3374% | 1,309 |
| Net interest margin | 2.6292% | 3,590 |
| Noninterest income to average assets | 0.3342% | 3,092 |
| Noninterest expense to average assets | 1.3417% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4879% | 650 |
| Return on assets (ROA) | 1.4879% | 644 |
| Pretax return on assets | 1.5026% | 1,011 |
| Return on Equity (ROE) | 17.3193% | 388 |
| Retained earnings to average equity (ytd only) | -1.6722% | 4,219 |
| Net charge-offs to loans | 0.0330% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 83.3439% | 730 |
| Efficiency ratio | 45.1988% | 4,524 |
| Assets per employee ($millions) | 11.6736% | 430 |
| Cash dividends to net income (ytd only)* | 109.6551% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,638 |
| Loan loss allowance to noncurrent loans | 117.0700% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 531 |
| Noncurrent loans to loans | 1.2586% | 699 |
| Net loans and leases to total assets | 52.9996% | 2,878 |
| Net loans and leases to deposits | 61.8508% | 2,728 |
| Net loans and leases to core deposits | 69.3838% | 2,345 |
| Total domestic deposits to total assets | 85.6894% | 3,348 |
| Equity capital to assets | 7.5244% | 3,917 |
| Core capital (leverage) ratio | 9.0596% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6523% | 1,935 |
| Memoranda: | ||
| Average total assets | $4,903,167,500 | 276 |
| Average earning assets | $4,681,256,500 | 270 |
| Average equity | $421,241,000 | 301 |
| Average total loans | $2,680,908,500 | 295 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 3,442 |
| Cost of funding earning assets | 0.4074% | 1,492 |
| Net interest margin | 2.8073% | 3,648 |
| Noninterest income to average assets | 0.3153% | 3,522 |
| Noninterest expense to average assets | 1.4198% | 4,611 |
| Loan and lease loss provision to assets | 0.0516% | 2,023 |
| Net operating income to assets | 1.4970% | 1,023 |
| Return on assets (ROA) | 1.4763% | 1,124 |
| Pretax return on assets | 1.4970% | 1,741 |
| Return on Equity (ROE) | 15.3355% | 876 |
| Retained earnings to average equity (ytd only) | 8.0467% | 1,515 |
| Net charge-offs to loans | 0.0366% | 1,518 |
| Credit loss provision to net charge-offs | 246.5483% | 1,178 |
| Earnings coverage of net charge-offs (x) | 75.0079% | 1,033 |
| Efficiency ratio | 45.5957% | 4,517 |
| Assets per employee ($millions) | 11.6192% | 439 |
| Cash dividends to net income (ytd only)* | 47.5292% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,739 |
| Loan loss allowance to noncurrent loans | 109.5411% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 527 |
| Noncurrent loans to loans | 1.3218% | 708 |
| Net loans and leases to total assets | 54.7657% | 2,755 |
| Net loans and leases to deposits | 65.7580% | 2,536 |
| Net loans and leases to core deposits | 73.3724% | 2,125 |
| Total domestic deposits to total assets | 83.2837% | 3,750 |
| Equity capital to assets | 9.6681% | 2,976 |
| Core capital (leverage) ratio | 9.1218% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7250% | 1,962 |
| Memoranda: | ||
| Average total assets | $4,845,695,400 | 275 |
| Average earning assets | $4,615,800,800 | 266 |
| Average equity | $466,466,000 | 283 |
| Average total loans | $2,773,291,800 | 284 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 3,444 |
| Cost of funding earning assets | 0.4269% | 1,504 |
| Net interest margin | 2.8521% | 3,653 |
| Noninterest income to average assets | 0.3989% | 3,089 |
| Noninterest expense to average assets | 1.4061% | 4,684 |
| Loan and lease loss provision to assets | 0.0689% | 1,629 |
| Net operating income to assets | 1.6165% | 998 |
| Return on assets (ROA) | 1.6264% | 1,015 |
| Pretax return on assets | 1.6495% | 1,551 |
| Return on Equity (ROE) | 16.9141% | 773 |
| Retained earnings to average equity (ytd only) | 8.3146% | 1,950 |
| Net charge-offs to loans | 0.0446% | 1,219 |
| Credit loss provision to net charge-offs | 268.2403% | 1,056 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 1,088 |
| Efficiency ratio | 43.3215% | 4,609 |
| Assets per employee ($millions) | 11.6774% | 409 |
| Cash dividends to net income (ytd only)* | 50.8423% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,730 |
| Loan loss allowance to noncurrent loans | 78.7933% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3380% | 417 |
| Noncurrent loans to loans | 1.8708% | 497 |
| Net loans and leases to total assets | 53.4951% | 3,027 |
| Net loans and leases to deposits | 64.2907% | 2,817 |
| Net loans and leases to core deposits | 71.7125% | 2,449 |
| Total domestic deposits to total assets | 83.2081% | 3,652 |
| Equity capital to assets | 9.7650% | 3,137 |
| Core capital (leverage) ratio | 8.9877% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7829% | 2,052 |
| Memoranda: | ||
| Average total assets | $4,837,105,250 | 276 |
| Average earning assets | $4,605,540,000 | 267 |
| Average equity | $465,130,250 | 285 |
| Average total loans | $2,788,648,750 | 286 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2411% | 3,585 |
| Cost of funding earning assets | 0.4587% | 1,460 |
| Net interest margin | 2.7824% | 3,822 |
| Noninterest income to average assets | 0.4266% | 2,972 |
| Noninterest expense to average assets | 1.3941% | 4,723 |
| Loan and lease loss provision to assets | 0.1039% | 1,214 |
| Net operating income to assets | 1.5583% | 1,151 |
| Return on assets (ROA) | 1.5734% | 1,168 |
| Pretax return on assets | 1.5926% | 1,749 |
| Return on Equity (ROE) | 16.4494% | 871 |
| Retained earnings to average equity (ytd only) | 5.5834% | 2,964 |
| Net charge-offs to loans | 0.0578% | 1,033 |
| Credit loss provision to net charge-offs | 305.9976% | 876 |
| Earnings coverage of net charge-offs (x) | 49.4994% | 1,074 |
| Efficiency ratio | 43.4720% | 4,643 |
| Assets per employee ($millions) | 11.4294% | 409 |
| Cash dividends to net income (ytd only)* | 66.0572% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,811 |
| Loan loss allowance to noncurrent loans | 92.6838% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 557 |
| Noncurrent loans to loans | 1.5533% | 720 |
| Net loans and leases to total assets | 54.5889% | 3,064 |
| Net loans and leases to deposits | 65.3355% | 2,877 |
| Net loans and leases to core deposits | 72.8897% | 2,529 |
| Total domestic deposits to total assets | 83.5516% | 3,560 |
| Equity capital to assets | 9.2966% | 3,510 |
| Core capital (leverage) ratio | 8.8166% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3610% | 2,220 |
| Memoranda: | ||
| Average total assets | $4,810,739,000 | 275 |
| Average earning assets | $4,579,706,333 | 266 |
| Average equity | $460,151,000 | 285 |
| Average total loans | $2,828,440,333 | 283 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 3,470 |
| Cost of funding earning assets | 0.4823% | 1,498 |
| Net interest margin | 2.8086% | 3,743 |
| Noninterest income to average assets | 0.4233% | 2,969 |
| Noninterest expense to average assets | 1.3551% | 4,780 |
| Loan and lease loss provision to assets | 0.2109% | 566 |
| Net operating income to assets | 1.5059% | 1,315 |
| Return on assets (ROA) | 1.5364% | 1,314 |
| Pretax return on assets | 1.5589% | 1,831 |
| Return on Equity (ROE) | 15.8310% | 1,053 |
| Retained earnings to average equity (ytd only) | 7.1389% | 2,534 |
| Net charge-offs to loans | -0.0416% | 4,324 |
| Credit loss provision to net charge-offs | -836.1204% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9227% | 4,674 |
| Assets per employee ($millions) | 10.8591% | 464 |
| Cash dividends to net income (ytd only)* | 54.9058% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,879 |
| Loan loss allowance to noncurrent loans | 137.0415% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 827 |
| Noncurrent loans to loans | 1.0350% | 1,295 |
| Net loans and leases to total assets | 59.1602% | 2,651 |
| Net loans and leases to deposits | 71.3386% | 2,384 |
| Net loans and leases to core deposits | 79.2107% | 2,076 |
| Total domestic deposits to total assets | 82.9287% | 3,702 |
| Equity capital to assets | 9.3913% | 3,297 |
| Core capital (leverage) ratio | 8.8352% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2782% | 2,171 |
| Memoranda: | ||
| Average total assets | $4,741,648,500 | 273 |
| Average earning assets | $4,508,865,500 | 265 |
| Average equity | $460,186,000 | 283 |
| Average total loans | $2,872,149,500 | 280 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 3,547 |
| Cost of funding earning assets | 0.7305% | 1,564 |
| Net interest margin | 2.9822% | 3,928 |
| Noninterest income to average assets | 0.3541% | 3,348 |
| Noninterest expense to average assets | 1.4486% | 4,813 |
| Loan and lease loss provision to assets | 0.3692% | 894 |
| Net operating income to assets | 1.3422% | 1,142 |
| Return on assets (ROA) | 1.3420% | 1,241 |
| Pretax return on assets | 1.3591% | 1,788 |
| Return on Equity (ROE) | 12.9358% | 1,060 |
| Retained earnings to average equity (ytd only) | 4.7059% | 2,413 |
| Net charge-offs to loans | 0.1056% | 1,412 |
| Credit loss provision to net charge-offs | 519.4805% | 1,222 |
| Earnings coverage of net charge-offs (x) | 24.3195% | 1,776 |
| Efficiency ratio | 43.9024% | 4,791 |
| Assets per employee ($millions) | 10.7921% | 418 |
| Cash dividends to net income (ytd only)* | 63.6209% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,362 |
| Loan loss allowance to noncurrent loans | 120.0820% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 883 |
| Noncurrent loans to loans | 1.0911% | 1,297 |
| Net loans and leases to total assets | 60.3393% | 2,814 |
| Net loans and leases to deposits | 74.2118% | 2,466 |
| Net loans and leases to core deposits | 83.1619% | 2,111 |
| Total domestic deposits to total assets | 81.3068% | 3,804 |
| Equity capital to assets | 10.0225% | 3,117 |
| Core capital (leverage) ratio | 9.0574% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7018% | 2,365 |
| Memoranda: | ||
| Average total assets | $4,333,445,400 | 272 |
| Average earning assets | $4,102,228,000 | 263 |
| Average equity | $449,580,200 | 276 |
| Average total loans | $2,915,904,800 | 269 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 3,579 |
| Cost of funding earning assets | 0.8039% | 1,481 |
| Net interest margin | 2.9913% | 3,995 |
| Noninterest income to average assets | 0.3534% | 3,337 |
| Noninterest expense to average assets | 1.3976% | 4,863 |
| Loan and lease loss provision to assets | 0.4012% | 876 |
| Net operating income to assets | 1.3700% | 1,177 |
| Return on assets (ROA) | 1.3697% | 1,276 |
| Pretax return on assets | 1.3836% | 1,785 |
| Return on Equity (ROE) | 13.0793% | 1,088 |
| Retained earnings to average equity (ytd only) | 3.4657% | 3,323 |
| Net charge-offs to loans | 0.0933% | 1,375 |
| Credit loss provision to net charge-offs | 623.1672% | 1,145 |
| Earnings coverage of net charge-offs (x) | 27.7283% | 1,654 |
| Efficiency ratio | 42.2147% | 4,853 |
| Assets per employee ($millions) | 10.6912% | 411 |
| Cash dividends to net income (ytd only)* | 73.5024% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,687 |
| Loan loss allowance to noncurrent loans | 119.4037% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 1,032 |
| Noncurrent loans to loans | 1.0018% | 1,492 |
| Net loans and leases to total assets | 65.1046% | 2,631 |
| Net loans and leases to deposits | 80.6056% | 2,246 |
| Net loans and leases to core deposits | 92.3585% | 1,761 |
| Total domestic deposits to total assets | 80.7694% | 3,704 |
| Equity capital to assets | 10.2224% | 3,042 |
| Core capital (leverage) ratio | 9.3009% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6341% | 2,351 |
| Memoranda: | ||
| Average total assets | $4,237,770,750 | 270 |
| Average earning assets | $4,008,045,500 | 265 |
| Average equity | $443,806,250 | 278 |
| Average total loans | $2,924,014,750 | 267 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 3,594 |
| Cost of funding earning assets | 0.8938% | 1,406 |
| Net interest margin | 3.0137% | 4,093 |
| Noninterest income to average assets | 0.3332% | 3,472 |
| Noninterest expense to average assets | 1.4168% | 4,894 |
| Loan and lease loss provision to assets | 0.5065% | 699 |
| Net operating income to assets | 1.2421% | 1,514 |
| Return on assets (ROA) | 1.2421% | 1,631 |
| Pretax return on assets | 1.2564% | 2,162 |
| Return on Equity (ROE) | 11.7583% | 1,404 |
| Retained earnings to average equity (ytd only) | -0.5703% | 4,415 |
| Net charge-offs to loans | 0.0424% | 1,899 |
| Credit loss provision to net charge-offs | 1,701.7828% | 554 |
| Earnings coverage of net charge-offs (x) | 59.2366% | 972 |
| Efficiency ratio | 42.8188% | 4,839 |
| Assets per employee ($millions) | 10.4361% | 449 |
| Cash dividends to net income (ytd only)* | 104.8503% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,783 |
| Loan loss allowance to noncurrent loans | 165.9153% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 1,299 |
| Noncurrent loans to loans | 0.6924% | 2,141 |
| Net loans and leases to total assets | 68.3613% | 2,295 |
| Net loans and leases to deposits | 84.8828% | 1,902 |
| Net loans and leases to core deposits | 96.6415% | 1,527 |
| Total domestic deposits to total assets | 80.5362% | 3,717 |
| Equity capital to assets | 10.2532% | 2,965 |
| Core capital (leverage) ratio | 9.4340% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1981% | 2,526 |
| Memoranda: | ||
| Average total assets | $4,146,468,333 | 272 |
| Average earning assets | $3,916,451,333 | 266 |
| Average equity | $438,007,000 | 282 |
| Average total loans | $2,907,729,000 | 263 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 3,557 |
| Cost of funding earning assets | 1.0452% | 1,238 |
| Net interest margin | 3.0432% | 4,208 |
| Noninterest income to average assets | 0.3021% | 3,702 |
| Noninterest expense to average assets | 1.4682% | 4,934 |
| Loan and lease loss provision to assets | 0.3719% | 833 |
| Net operating income to assets | 1.3158% | 1,202 |
| Return on assets (ROA) | 1.3158% | 1,293 |
| Pretax return on assets | 1.3314% | 1,779 |
| Return on Equity (ROE) | 12.2614% | 1,042 |
| Retained earnings to average equity (ytd only) | 1.1718% | 3,700 |
| Net charge-offs to loans | 0.0898% | 1,155 |
| Credit loss provision to net charge-offs | 585.9375% | 804 |
| Earnings coverage of net charge-offs (x) | 26.8359% | 1,244 |
| Efficiency ratio | 44.5011% | 4,868 |
| Assets per employee ($millions) | 9.3876% | 462 |
| Cash dividends to net income (ytd only)* | 90.4432% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,793 |
| Loan loss allowance to noncurrent loans | 129.0083% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 1,251 |
| Noncurrent loans to loans | 0.7622% | 2,092 |
| Net loans and leases to total assets | 70.0995% | 2,235 |
| Net loans and leases to deposits | 88.8236% | 1,660 |
| Net loans and leases to core deposits | 101.8234% | 1,341 |
| Total domestic deposits to total assets | 78.9198% | 4,066 |
| Equity capital to assets | 10.8916% | 2,954 |
| Core capital (leverage) ratio | 9.8688% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2134% | 2,613 |
| Memoranda: | ||
| Average total assets | $4,033,349,500 | 271 |
| Average earning assets | $3,802,967,500 | 265 |
| Average equity | $432,839,500 | 285 |
| Average total loans | $2,849,603,000 | 268 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,766 |
| Cost of funding earning assets | 1.1862% | 1,056 |
| Net interest margin | 3.0315% | 4,482 |
| Noninterest income to average assets | 0.3442% | 3,650 |
| Noninterest expense to average assets | 1.5291% | 4,993 |
| Loan and lease loss provision to assets | 0.1655% | 1,262 |
| Net operating income to assets | 1.4957% | 1,067 |
| Return on assets (ROA) | 1.4956% | 1,128 |
| Pretax return on assets | 1.5085% | 1,786 |
| Return on Equity (ROE) | 14.0037% | 893 |
| Retained earnings to average equity (ytd only) | -0.8122% | 4,789 |
| Net charge-offs to loans | 0.2096% | 982 |
| Credit loss provision to net charge-offs | 111.4995% | 2,244 |
| Earnings coverage of net charge-offs (x) | 11.2786% | 2,508 |
| Efficiency ratio | 46.1549% | 4,907 |
| Assets per employee ($millions) | 9.1809% | 472 |
| Cash dividends to net income (ytd only)* | 105.7999% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,080 |
| Loan loss allowance to noncurrent loans | 83.5451% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 884 |
| Noncurrent loans to loans | 1.0423% | 1,451 |
| Net loans and leases to total assets | 69.8936% | 2,413 |
| Net loans and leases to deposits | 88.1424% | 1,826 |
| Net loans and leases to core deposits | 99.4919% | 1,606 |
| Total domestic deposits to total assets | 79.2962% | 4,120 |
| Equity capital to assets | 10.5726% | 3,371 |
| Core capital (leverage) ratio | 9.6161% | 3,943 |
| Tier 1 risk-based capital ratio | 12.0874% | 4,315 |
| Total risk-based capital ratio | 12.8574% | 4,457 |
| Memoranda: | ||
| Average total assets | $3,855,069,200 | 274 |
| Average earning assets | $3,635,661,200 | 265 |
| Average equity | $411,720,200 | 283 |
| Average total loans | $2,730,539,800 | 269 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,840 |
| Cost of funding earning assets | 1.2026% | 1,034 |
| Net interest margin | 3.0350% | 4,578 |
| Noninterest income to average assets | 0.3676% | 3,512 |
| Noninterest expense to average assets | 1.5346% | 5,052 |
| Loan and lease loss provision to assets | 0.1155% | 1,687 |
| Net operating income to assets | 1.5690% | 998 |
| Return on assets (ROA) | 1.5690% | 1,054 |
| Pretax return on assets | 1.5814% | 1,697 |
| Return on Equity (ROE) | 14.6520% | 859 |
| Retained earnings to average equity (ytd only) | 3.5312% | 3,644 |
| Net charge-offs to loans | 0.1177% | 1,313 |
| Credit loss provision to net charge-offs | 138.3550% | 1,737 |
| Earnings coverage of net charge-offs (x) | 20.3307% | 1,962 |
| Efficiency ratio | 45.9002% | 4,940 |
| Assets per employee ($millions) | 9.3499% | 429 |
| Cash dividends to net income (ytd only)* | 75.8996% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 3,918 |
| Loan loss allowance to noncurrent loans | 55.5128% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6558% | 621 |
| Noncurrent loans to loans | 1.6785% | 871 |
| Net loans and leases to total assets | 68.9790% | 2,628 |
| Net loans and leases to deposits | 88.3706% | 1,884 |
| Net loans and leases to core deposits | 100.0362% | 1,653 |
| Total domestic deposits to total assets | 78.0566% | 4,331 |
| Equity capital to assets | 10.9041% | 3,193 |
| Core capital (leverage) ratio | 10.3123% | 3,300 |
| Tier 1 risk-based capital ratio | 12.7465% | 3,995 |
| Total risk-based capital ratio | 13.5642% | 4,131 |
| Memoranda: | ||
| Average total assets | $3,806,639,500 | 279 |
| Average earning assets | $3,592,099,750 | 270 |
| Average equity | $407,634,250 | 285 |
| Average total loans | $2,699,499,000 | 273 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 3,928 |
| Cost of funding earning assets | 1.1817% | 1,041 |
| Net interest margin | 3.0177% | 4,654 |
| Noninterest income to average assets | 0.3692% | 3,471 |
| Noninterest expense to average assets | 1.5696% | 5,078 |
| Loan and lease loss provision to assets | 0.1029% | 1,820 |
| Net operating income to assets | 1.5336% | 1,052 |
| Return on assets (ROA) | 1.5336% | 1,102 |
| Pretax return on assets | 1.5449% | 1,718 |
| Return on Equity (ROE) | 14.4110% | 895 |
| Retained earnings to average equity (ytd only) | 0.5089% | 4,567 |
| Net charge-offs to loans | 0.1331% | 1,134 |
| Credit loss provision to net charge-offs | 108.4029% | 1,861 |
| Earnings coverage of net charge-offs (x) | 17.3550% | 1,898 |
| Efficiency ratio | 47.1114% | 4,935 |
| Assets per employee ($millions) | 9.0496% | 453 |
| Cash dividends to net income (ytd only)* | 96.4686% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,107 |
| Loan loss allowance to noncurrent loans | 63.6378% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 775 |
| Noncurrent loans to loans | 1.4091% | 1,099 |
| Net loans and leases to total assets | 69.4829% | 2,603 |
| Net loans and leases to deposits | 89.2911% | 1,826 |
| Net loans and leases to core deposits | 101.1537% | 1,621 |
| Total domestic deposits to total assets | 77.8162% | 4,433 |
| Equity capital to assets | 10.6000% | 3,440 |
| Core capital (leverage) ratio | 10.1381% | 3,465 |
| Tier 1 risk-based capital ratio | 12.3874% | 4,191 |
| Total risk-based capital ratio | 13.1845% | 4,341 |
| Memoranda: | ||
| Average total assets | $3,785,233,000 | 280 |
| Average earning assets | $3,572,748,000 | 267 |
| Average equity | $402,818,670 | 289 |
| Average total loans | $2,700,933,670 | 275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,785 |
| Cost of funding earning assets | 1.1569% | 1,024 |
| Net interest margin | 3.0709% | 4,636 |
| Noninterest income to average assets | 0.3253% | 3,682 |
| Noninterest expense to average assets | 1.5937% | 5,101 |
| Loan and lease loss provision to assets | 0.0587% | 2,476 |
| Net operating income to assets | 1.5613% | 980 |
| Return on assets (ROA) | 1.5613% | 1,006 |
| Pretax return on assets | 1.5691% | 1,549 |
| Return on Equity (ROE) | 14.6416% | 830 |
| Retained earnings to average equity (ytd only) | -1.4007% | 4,699 |
| Net charge-offs to loans | 0.0698% | 1,358 |
| Credit loss provision to net charge-offs | 116.8085% | 1,437 |
| Earnings coverage of net charge-offs (x) | 32.3936% | 1,284 |
| Efficiency ratio | 47.7382% | 4,954 |
| Assets per employee ($millions) | 8.7045% | 528 |
| Cash dividends to net income (ytd only)* | 109.5665% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 4,138 |
| Loan loss allowance to noncurrent loans | 62.8999% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 829 |
| Noncurrent loans to loans | 1.4367% | 1,128 |
| Net loans and leases to total assets | 71.4672% | 2,261 |
| Net loans and leases to deposits | 92.8574% | 1,301 |
| Net loans and leases to core deposits | 105.9631% | 1,176 |
| Total domestic deposits to total assets | 76.9645% | 4,656 |
| Equity capital to assets | 10.7152% | 3,148 |
| Core capital (leverage) ratio | 10.1582% | 3,431 |
| Tier 1 risk-based capital ratio | 12.6062% | 4,095 |
| Total risk-based capital ratio | 13.4152% | 4,252 |
| Memoranda: | ||
| Average total assets | $3,741,227,500 | 282 |
| Average earning assets | $3,528,364,500 | 274 |
| Average equity | $398,946,000 | 293 |
| Average total loans | $2,693,603,500 | 276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 4,002 |
| Cost of funding earning assets | 0.9562% | 905 |
| Net interest margin | 3.0539% | 4,723 |
| Noninterest income to average assets | 0.4153% | 3,347 |
| Noninterest expense to average assets | 1.6852% | 5,109 |
| Loan and lease loss provision to assets | 0.0928% | 2,297 |
| Net operating income to assets | 1.5045% | 1,109 |
| Return on assets (ROA) | 1.5049% | 1,094 |
| Pretax return on assets | 1.5197% | 1,716 |
| Return on Equity (ROE) | 14.7977% | 873 |
| Retained earnings to average equity (ytd only) | 10.5020% | 523 |
| Net charge-offs to loans | 0.1423% | 1,333 |
| Credit loss provision to net charge-offs | 92.0661% | 2,692 |
| Earnings coverage of net charge-offs (x) | 15.9886% | 2,284 |
| Efficiency ratio | 49.3815% | 4,975 |
| Assets per employee ($millions) | 8.7779% | 502 |
| Cash dividends to net income (ytd only)* | 29.0292% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 4,185 |
| Loan loss allowance to noncurrent loans | 73.1096% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 972 |
| Noncurrent loans to loans | 1.2258% | 1,300 |
| Net loans and leases to total assets | 71.2336% | 2,390 |
| Net loans and leases to deposits | 90.5743% | 1,723 |
| Net loans and leases to core deposits | 105.2737% | 1,319 |
| Total domestic deposits to total assets | 78.6466% | 4,381 |
| Equity capital to assets | 10.6122% | 3,066 |
| Core capital (leverage) ratio | 10.2152% | 3,343 |
| Tier 1 risk-based capital ratio | 12.6259% | 4,060 |
| Total risk-based capital ratio | 13.4316% | 4,189 |
| Memoranda: | ||
| Average total assets | $3,662,561,800 | 282 |
| Average earning assets | $3,456,540,800 | 273 |
| Average equity | $372,471,200 | 301 |
| Average total loans | $2,596,117,000 | 277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 4,058 |
| Cost of funding earning assets | 0.9185% | 848 |
| Net interest margin | 3.0380% | 4,797 |
| Noninterest income to average assets | 0.4610% | 3,090 |
| Noninterest expense to average assets | 1.6892% | 5,144 |
| Loan and lease loss provision to assets | 0.0678% | 2,618 |
| Net operating income to assets | 1.5577% | 1,053 |
| Return on assets (ROA) | 1.5582% | 1,053 |
| Pretax return on assets | 1.5730% | 1,664 |
| Return on Equity (ROE) | 15.4964% | 782 |
| Retained earnings to average equity (ytd only) | 11.1240% | 620 |
| Net charge-offs to loans | 0.0176% | 2,810 |
| Credit loss provision to net charge-offs | 544.1176% | 650 |
| Earnings coverage of net charge-offs (x) | 131.6682% | 618 |
| Efficiency ratio | 49.0222% | 4,999 |
| Assets per employee ($millions) | 8.6273% | 507 |
| Cash dividends to net income (ytd only)* | 28.2160% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,850 |
| Loan loss allowance to noncurrent loans | 56.8061% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 873 |
| Noncurrent loans to loans | 1.7384% | 891 |
| Net loans and leases to total assets | 69.9545% | 2,655 |
| Net loans and leases to deposits | 84.2095% | 2,578 |
| Net loans and leases to core deposits | 97.0852% | 2,014 |
| Total domestic deposits to total assets | 83.0720% | 3,283 |
| Equity capital to assets | 10.2193% | 3,433 |
| Core capital (leverage) ratio | 10.0931% | 3,529 |
| Tier 1 risk-based capital ratio | 12.4518% | 4,226 |
| Total risk-based capital ratio | 13.3267% | 4,343 |
| Memoranda: | ||
| Average total assets | $3,638,969,750 | 281 |
| Average earning assets | $3,435,857,000 | 272 |
| Average equity | $365,915,750 | 304 |
| Average total loans | $2,570,047,000 | 278 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,097 |
| Cost of funding earning assets | 0.8843% | 775 |
| Net interest margin | 3.0070% | 4,868 |
| Noninterest income to average assets | 0.3676% | 3,700 |
| Noninterest expense to average assets | 1.7097% | 5,188 |
| Loan and lease loss provision to assets | 0.0499% | 2,917 |
| Net operating income to assets | 1.4310% | 1,336 |
| Return on assets (ROA) | 1.4595% | 1,252 |
| Pretax return on assets | 1.4740% | 1,911 |
| Return on Equity (ROE) | 14.5967% | 934 |
| Retained earnings to average equity (ytd only) | 10.1638% | 882 |
| Net charge-offs to loans | 0.0419% | 2,026 |
| Credit loss provision to net charge-offs | 168.5393% | 1,461 |
| Earnings coverage of net charge-offs (x) | 50.5281% | 1,121 |
| Efficiency ratio | 51.6122% | 4,930 |
| Assets per employee ($millions) | 8.2775% | 566 |
| Cash dividends to net income (ytd only)* | 30.3698% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,021 |
| Loan loss allowance to noncurrent loans | 56.7065% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 919 |
| Noncurrent loans to loans | 1.7068% | 932 |
| Net loans and leases to total assets | 69.2097% | 2,691 |
| Net loans and leases to deposits | 82.4800% | 2,715 |
| Net loans and leases to core deposits | 96.3196% | 2,035 |
| Total domestic deposits to total assets | 83.9108% | 3,102 |
| Equity capital to assets | 10.1269% | 3,512 |
| Core capital (leverage) ratio | 9.8301% | 3,755 |
| Tier 1 risk-based capital ratio | 12.2273% | 4,356 |
| Total risk-based capital ratio | 13.0803% | 4,485 |
| Memoranda: | ||
| Average total assets | $3,609,629,330 | 281 |
| Average earning assets | $3,405,627,330 | 273 |
| Average equity | $360,929,670 | 301 |
| Average total loans | $2,548,996,000 | 279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,239 |
| Cost of funding earning assets | 0.8377% | 799 |
| Net interest margin | 2.9540% | 4,948 |
| Noninterest income to average assets | 0.3584% | 3,744 |
| Noninterest expense to average assets | 1.7103% | 5,237 |
| Loan and lease loss provision to assets | 0.0503% | 2,772 |
| Net operating income to assets | 1.3762% | 1,406 |
| Return on assets (ROA) | 1.3765% | 1,420 |
| Pretax return on assets | 1.3899% | 2,044 |
| Return on Equity (ROE) | 13.8575% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.8575% | 417 |
| Net charge-offs to loans | 0.0687% | 1,424 |
| Credit loss provision to net charge-offs | 103.2110% | 1,510 |
| Earnings coverage of net charge-offs (x) | 29.5321% | 1,248 |
| Efficiency ratio | 52.7228% | 4,904 |
| Assets per employee ($millions) | 8.2015% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,199 |
| Loan loss allowance to noncurrent loans | 50.6605% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 852 |
| Noncurrent loans to loans | 1.8834% | 871 |
| Net loans and leases to total assets | 69.2397% | 2,597 |
| Net loans and leases to deposits | 82.7705% | 2,521 |
| Net loans and leases to core deposits | 123.8179% | 474 |
| Total domestic deposits to total assets | 83.6526% | 3,450 |
| Equity capital to assets | 10.0280% | 3,567 |
| Core capital (leverage) ratio | 9.5872% | 3,973 |
| Tier 1 risk-based capital ratio | 12.1496% | 4,460 |
| Total risk-based capital ratio | 13.0009% | 4,590 |
| Memoranda: | ||
| Average total assets | $3,576,845,000 | 281 |
| Average earning assets | $3,380,541,500 | 272 |
| Average equity | $355,302,000 | 308 |
| Average total loans | $2,539,268,000 | 278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 3,943 |
| Cost of funding earning assets | 0.7188% | 927 |
| Net interest margin | 3.1129% | 4,661 |
| Noninterest income to average assets | 0.3656% | 3,854 |
| Noninterest expense to average assets | 1.6383% | 5,380 |
| Loan and lease loss provision to assets | 0.0597% | 3,040 |
| Net operating income to assets | 1.5976% | 657 |
| Return on assets (ROA) | 1.5820% | 689 |
| Pretax return on assets | 1.5973% | 1,294 |
| Return on Equity (ROE) | 14.8952% | 625 |
| Retained earnings to average equity (ytd only) | -14.0455% | 5,584 |
| Net charge-offs to loans | 0.0970% | 2,111 |
| Credit loss provision to net charge-offs | 85.0702% | 2,864 |
| Earnings coverage of net charge-offs (x) | 23.8413% | 1,789 |
| Efficiency ratio | 48.4317% | 5,293 |
| Assets per employee ($millions) | 8.1485% | 607 |
| Cash dividends to net income (ytd only)* | 194.2956% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,074 |
| Loan loss allowance to noncurrent loans | 79.6883% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 1,294 |
| Noncurrent loans to loans | 1.2246% | 1,443 |
| Net loans and leases to total assets | 71.4338% | 2,311 |
| Net loans and leases to deposits | 84.3032% | 2,458 |
| Net loans and leases to core deposits | 129.7514% | 346 |
| Total domestic deposits to total assets | 84.7344% | 2,934 |
| Equity capital to assets | 9.8335% | 3,887 |
| Core capital (leverage) ratio | 9.6350% | 3,882 |
| Tier 1 risk-based capital ratio | 11.9374% | 4,574 |
| Total risk-based capital ratio | 12.8232% | 4,702 |
| Memoranda: | ||
| Average total assets | $3,350,876,200 | 283 |
| Average earning assets | $3,170,623,800 | 274 |
| Average equity | $355,899,800 | 289 |
| Average total loans | $2,424,172,800 | 277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,040 |
| Cost of funding earning assets | 0.6988% | 970 |
| Net interest margin | 3.0920% | 4,734 |
| Noninterest income to average assets | 0.3666% | 3,906 |
| Noninterest expense to average assets | 1.6362% | 5,417 |
| Loan and lease loss provision to assets | 0.0482% | 3,138 |
| Net operating income to assets | 1.5944% | 729 |
| Return on assets (ROA) | 1.5959% | 743 |
| Pretax return on assets | 1.6108% | 1,377 |
| Return on Equity (ROE) | 14.7393% | 691 |
| Retained earnings to average equity (ytd only) | -11.2337% | 5,624 |
| Net charge-offs to loans | 0.0318% | 2,797 |
| Credit loss provision to net charge-offs | 209.4241% | 1,303 |
| Earnings coverage of net charge-offs (x) | 72.0018% | 872 |
| Efficiency ratio | 48.7613% | 5,307 |
| Assets per employee ($millions) | 8.1673% | 594 |
| Cash dividends to net income (ytd only)* | 176.2159% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,791 |
| Loan loss allowance to noncurrent loans | 76.0238% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 1,249 |
| Noncurrent loans to loans | 1.3814% | 1,360 |
| Net loans and leases to total assets | 71.3196% | 2,359 |
| Net loans and leases to deposits | 83.9741% | 2,563 |
| Net loans and leases to core deposits | 130.1700% | 340 |
| Total domestic deposits to total assets | 84.9305% | 2,740 |
| Equity capital to assets | 10.1227% | 3,776 |
| Core capital (leverage) ratio | 9.9615% | 3,616 |
| Tier 1 risk-based capital ratio | 12.2900% | 4,439 |
| Total risk-based capital ratio | 13.2401% | 4,510 |
| Memoranda: | ||
| Average total assets | $3,318,739,250 | 285 |
| Average earning assets | $3,141,718,750 | 274 |
| Average equity | $359,337,500 | 287 |
| Average total loans | $2,402,721,750 | 281 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,007 |
| Cost of funding earning assets | 0.6650% | 1,063 |
| Net interest margin | 3.1042% | 4,670 |
| Noninterest income to average assets | 0.3633% | 3,958 |
| Noninterest expense to average assets | 1.6472% | 5,458 |
| Loan and lease loss provision to assets | 0.0484% | 3,024 |
| Net operating income to assets | 1.5891% | 726 |
| Return on assets (ROA) | 1.5893% | 743 |
| Pretax return on assets | 1.6032% | 1,333 |
| Return on Equity (ROE) | 14.3609% | 766 |
| Retained earnings to average equity (ytd only) | 0.1368% | 5,041 |
| Net charge-offs to loans | 0.0356% | 2,484 |
| Credit loss provision to net charge-offs | 187.7934% | 1,330 |
| Earnings coverage of net charge-offs (x) | 64.0305% | 906 |
| Efficiency ratio | 49.0181% | 5,356 |
| Assets per employee ($millions) | 8.0739% | 601 |
| Cash dividends to net income (ytd only)* | 99.0476% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,861 |
| Loan loss allowance to noncurrent loans | 73.6808% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 1,237 |
| Noncurrent loans to loans | 1.4219% | 1,341 |
| Net loans and leases to total assets | 71.4320% | 2,296 |
| Net loans and leases to deposits | 85.6625% | 2,262 |
| Net loans and leases to core deposits | 134.1708% | 249 |
| Total domestic deposits to total assets | 83.3878% | 3,433 |
| Equity capital to assets | 11.1275% | 2,675 |
| Core capital (leverage) ratio | 11.0477% | 2,362 |
| Tier 1 risk-based capital ratio | 13.5830% | 3,651 |
| Total risk-based capital ratio | 14.5355% | 3,734 |
| Memoranda: | ||
| Average total assets | $3,303,337,670 | 287 |
| Average earning assets | $3,123,690,330 | 277 |
| Average equity | $365,576,000 | 288 |
| Average total loans | $2,395,183,670 | 285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,675 |
| Cost of funding earning assets | 0.6302% | 1,188 |
| Net interest margin | 3.1946% | 4,362 |
| Noninterest income to average assets | 0.3713% | 3,876 |
| Noninterest expense to average assets | 1.6776% | 5,490 |
| Loan and lease loss provision to assets | 0.0487% | 2,838 |
| Net operating income to assets | 1.6523% | 606 |
| Return on assets (ROA) | 1.6527% | 621 |
| Pretax return on assets | 1.6635% | 1,081 |
| Return on Equity (ROE) | 14.9752% | 647 |
| Retained earnings to average equity (ytd only) | -4.8683% | 5,377 |
| Net charge-offs to loans | 0.0519% | 1,826 |
| Credit loss provision to net charge-offs | 129.0323% | 1,322 |
| Earnings coverage of net charge-offs (x) | 45.3871% | 948 |
| Efficiency ratio | 48.5983% | 5,438 |
| Assets per employee ($millions) | 7.5835% | 729 |
| Cash dividends to net income (ytd only)* | 132.5088% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,028 |
| Loan loss allowance to noncurrent loans | 66.2786% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 1,056 |
| Noncurrent loans to loans | 1.5712% | 1,247 |
| Net loans and leases to total assets | 72.4933% | 2,003 |
| Net loans and leases to deposits | 88.0436% | 1,792 |
| Net loans and leases to core deposits | 135.2672% | 210 |
| Total domestic deposits to total assets | 82.3380% | 4,075 |
| Equity capital to assets | 11.0637% | 2,566 |
| Core capital (leverage) ratio | 10.9674% | 2,392 |
| Tier 1 risk-based capital ratio | 13.4117% | 3,831 |
| Total risk-based capital ratio | 14.3543% | 3,923 |
| Memoranda: | ||
| Average total assets | $3,287,748,500 | 291 |
| Average earning assets | $3,106,085,000 | 279 |
| Average equity | $362,840,500 | 291 |
| Average total loans | $2,389,210,500 | 286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,407 |
| Cost of funding earning assets | 0.5857% | 1,451 |
| Net interest margin | 3.0523% | 4,843 |
| Noninterest income to average assets | 0.3062% | 4,550 |
| Noninterest expense to average assets | 1.5657% | 5,679 |
| Loan and lease loss provision to assets | 0.1244% | 1,993 |
| Net operating income to assets | 1.4833% | 865 |
| Return on assets (ROA) | 1.5066% | 842 |
| Pretax return on assets | 1.5227% | 1,519 |
| Return on Equity (ROE) | 13.5047% | 876 |
| Retained earnings to average equity (ytd only) | -3.9623% | 5,634 |
| Net charge-offs to loans | 0.0939% | 2,370 |
| Credit loss provision to net charge-offs | 188.8080% | 1,496 |
| Earnings coverage of net charge-offs (x) | 24.6388% | 1,629 |
| Efficiency ratio | 48.3301% | 5,562 |
| Assets per employee ($millions) | 7.6728% | 688 |
| Cash dividends to net income (ytd only)* | 129.3404% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 4,058 |
| Loan loss allowance to noncurrent loans | 71.9074% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 1,259 |
| Noncurrent loans to loans | 1.4492% | 1,400 |
| Net loans and leases to total assets | 71.3396% | 2,268 |
| Net loans and leases to deposits | 86.7374% | 2,084 |
| Net loans and leases to core deposits | 134.4363% | 233 |
| Total domestic deposits to total assets | 82.2478% | 4,008 |
| Equity capital to assets | 11.0089% | 2,622 |
| Core capital (leverage) ratio | 10.9342% | 2,402 |
| Tier 1 risk-based capital ratio | 13.6506% | 3,672 |
| Total risk-based capital ratio | 14.5927% | 3,777 |
| Memoranda: | ||
| Average total assets | $3,335,680,200 | 279 |
| Average earning assets | $3,150,721,400 | 271 |
| Average equity | $372,129,800 | 268 |
| Average total loans | $2,340,153,000 | 277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 4,702 |
| Cost of funding earning assets | 0.5802% | 1,482 |
| Net interest margin | 2.9616% | 5,077 |
| Noninterest income to average assets | 0.2724% | 4,823 |
| Noninterest expense to average assets | 1.5217% | 5,742 |
| Loan and lease loss provision to assets | 0.0778% | 2,668 |
| Net operating income to assets | 1.4564% | 962 |
| Return on assets (ROA) | 1.4897% | 944 |
| Pretax return on assets | 1.5042% | 1,703 |
| Return on Equity (ROE) | 13.3096% | 968 |
| Retained earnings to average equity (ytd only) | -7.0028% | 5,794 |
| Net charge-offs to loans | 0.0906% | 2,058 |
| Credit loss provision to net charge-offs | 123.1838% | 2,053 |
| Earnings coverage of net charge-offs (x) | 24.5244% | 1,670 |
| Efficiency ratio | 48.8555% | 5,562 |
| Assets per employee ($millions) | 7.7685% | 649 |
| Cash dividends to net income (ytd only)* | 152.6145% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,526 |
| Loan loss allowance to noncurrent loans | 77.0115% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,567 |
| Noncurrent loans to loans | 1.2698% | 1,766 |
| Net loans and leases to total assets | 70.6726% | 2,392 |
| Net loans and leases to deposits | 85.8666% | 2,276 |
| Net loans and leases to core deposits | 133.9382% | 248 |
| Total domestic deposits to total assets | 82.3051% | 3,840 |
| Equity capital to assets | 11.0795% | 2,934 |
| Core capital (leverage) ratio | 10.7652% | 2,717 |
| Tier 1 risk-based capital ratio | 13.4961% | 3,863 |
| Total risk-based capital ratio | 14.3805% | 3,986 |
| Memoranda: | ||
| Average total assets | $3,342,852,500 | 275 |
| Average earning assets | $3,157,819,250 | 269 |
| Average equity | $374,146,500 | 268 |
| Average total loans | $2,329,181,500 | 278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,252 |
| Cost of funding earning assets | 0.6189% | 1,203 |
| Net interest margin | 3.0940% | 4,851 |
| Noninterest income to average assets | 0.3154% | 4,522 |
| Noninterest expense to average assets | 1.5722% | 5,782 |
| Loan and lease loss provision to assets | 0.0971% | 2,210 |
| Net operating income to assets | 1.5557% | 795 |
| Return on assets (ROA) | 1.6094% | 756 |
| Pretax return on assets | 1.6240% | 1,297 |
| Return on Equity (ROE) | 14.3112% | 785 |
| Retained earnings to average equity (ytd only) | -13.8809% | 5,922 |
| Net charge-offs to loans | 0.1088% | 1,736 |
| Credit loss provision to net charge-offs | 128.5347% | 1,780 |
| Earnings coverage of net charge-offs (x) | 22.0737% | 1,643 |
| Efficiency ratio | 47.9374% | 5,669 |
| Assets per employee ($millions) | 8.2810% | 508 |
| Cash dividends to net income (ytd only)* | 196.9928% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 4,146 |
| Loan loss allowance to noncurrent loans | 100.5242% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 1,863 |
| Noncurrent loans to loans | 1.0580% | 2,173 |
| Net loans and leases to total assets | 68.7781% | 2,666 |
| Net loans and leases to deposits | 82.5451% | 2,645 |
| Net loans and leases to core deposits | 134.9909% | 236 |
| Total domestic deposits to total assets | 83.3218% | 3,535 |
| Equity capital to assets | 10.7636% | 3,330 |
| Core capital (leverage) ratio | 10.5573% | 2,905 |
| Tier 1 risk-based capital ratio | 13.4641% | 3,933 |
| Total risk-based capital ratio | 14.4243% | 4,015 |
| Memoranda: | ||
| Average total assets | $3,091,045,000 | 286 |
| Average earning assets | $2,920,710,330 | 280 |
| Average equity | $347,615,330 | 283 |
| Average total loans | $2,145,992,670 | 287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,246 |
| Cost of funding earning assets | 0.6162% | 1,234 |
| Net interest margin | 3.1047% | 4,848 |
| Noninterest income to average assets | 0.3119% | 4,501 |
| Noninterest expense to average assets | 1.5881% | 5,838 |
| Loan and lease loss provision to assets | 0.0587% | 2,784 |
| Net operating income to assets | 1.5847% | 718 |
| Return on assets (ROA) | 1.5846% | 759 |
| Pretax return on assets | 1.5954% | 1,310 |
| Return on Equity (ROE) | 13.7878% | 879 |
| Retained earnings to average equity (ytd only) | -6.6369% | 5,700 |
| Net charge-offs to loans | 0.0412% | 2,178 |
| Credit loss provision to net charge-offs | 205.4795% | 1,058 |
| Earnings coverage of net charge-offs (x) | 57.9224% | 804 |
| Efficiency ratio | 48.3731% | 5,708 |
| Assets per employee ($millions) | 8.1722% | 526 |
| Cash dividends to net income (ytd only)* | 148.1360% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,158 |
| Loan loss allowance to noncurrent loans | 106.9980% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 1,827 |
| Noncurrent loans to loans | 1.0105% | 2,359 |
| Net loans and leases to total assets | 68.6043% | 2,561 |
| Net loans and leases to deposits | 84.0309% | 2,300 |
| Net loans and leases to core deposits | 133.6043% | 229 |
| Total domestic deposits to total assets | 81.6418% | 4,319 |
| Equity capital to assets | 11.4002% | 2,533 |
| Core capital (leverage) ratio | 11.2911% | 2,151 |
| Tier 1 risk-based capital ratio | 14.2889% | 3,502 |
| Total risk-based capital ratio | 15.2500% | 3,627 |
| Memoranda: | ||
| Average total assets | $3,067,311,500 | 287 |
| Average earning assets | $2,895,113,000 | 283 |
| Average equity | $352,514,000 | 277 |
| Average total loans | $2,128,082,000 | 285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,171 |
| Cost of funding earning assets | 0.5978% | 1,368 |
| Net interest margin | 3.1596% | 4,754 |
| Noninterest income to average assets | 0.3784% | 4,192 |
| Noninterest expense to average assets | 1.6319% | 5,894 |
| Loan and lease loss provision to assets | 0.0653% | 2,980 |
| Net operating income to assets | 1.6342% | 654 |
| Return on assets (ROA) | 1.6347% | 670 |
| Pretax return on assets | 1.6518% | 1,107 |
| Return on Equity (ROE) | 13.8310% | 879 |
| Retained earnings to average equity (ytd only) | 1.7771% | 4,717 |
| Net charge-offs to loans | 0.1393% | 1,958 |
| Credit loss provision to net charge-offs | 66.9798% | 3,171 |
| Earnings coverage of net charge-offs (x) | 17.6075% | 2,062 |
| Efficiency ratio | 47.9299% | 5,846 |
| Assets per employee ($millions) | 8.1650% | 520 |
| Cash dividends to net income (ytd only)* | 87.1514% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 4,160 |
| Loan loss allowance to noncurrent loans | 101.7664% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 1,664 |
| Noncurrent loans to loans | 1.0604% | 2,215 |
| Net loans and leases to total assets | 68.6558% | 2,596 |
| Net loans and leases to deposits | 84.0921% | 2,348 |
| Net loans and leases to core deposits | 129.7789% | 273 |
| Total domestic deposits to total assets | 81.6436% | 4,287 |
| Equity capital to assets | 11.5859% | 2,294 |
| Core capital (leverage) ratio | 11.6432% | 1,856 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,231 |
| Total risk-based capital ratio | 15.8458% | 3,309 |
| Memoranda: | ||
| Average total assets | $2,948,069,800 | 284 |
| Average earning assets | $2,771,158,200 | 276 |
| Average equity | $348,435,400 | 272 |
| Average total loans | $2,062,898,600 | 276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,169 |
| Cost of funding earning assets | 0.5982% | 1,417 |
| Net interest margin | 3.1781% | 4,746 |
| Noninterest income to average assets | 0.3923% | 4,135 |
| Noninterest expense to average assets | 1.6347% | 5,956 |
| Loan and lease loss provision to assets | 0.0639% | 2,909 |
| Net operating income to assets | 1.6630% | 673 |
| Return on assets (ROA) | 1.6636% | 692 |
| Pretax return on assets | 1.6790% | 1,165 |
| Return on Equity (ROE) | 14.0031% | 907 |
| Retained earnings to average equity (ytd only) | 0.9427% | 5,336 |
| Net charge-offs to loans | 0.1330% | 1,806 |
| Credit loss provision to net charge-offs | 68.4932% | 2,794 |
| Earnings coverage of net charge-offs (x) | 18.6785% | 1,989 |
| Efficiency ratio | 47.6007% | 5,891 |
| Assets per employee ($millions) | 8.0693% | 522 |
| Cash dividends to net income (ytd only)* | 93.2682% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 4,077 |
| Loan loss allowance to noncurrent loans | 109.9896% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 1,795 |
| Noncurrent loans to loans | 1.0239% | 2,431 |
| Net loans and leases to total assets | 67.7876% | 2,709 |
| Net loans and leases to deposits | 83.1114% | 2,517 |
| Net loans and leases to core deposits | 128.8806% | 296 |
| Total domestic deposits to total assets | 81.5623% | 4,301 |
| Equity capital to assets | 11.6925% | 2,357 |
| Core capital (leverage) ratio | 11.7602% | 1,847 |
| Tier 1 risk-based capital ratio | 15.2991% | 3,141 |
| Total risk-based capital ratio | 16.3248% | 3,195 |
| Memoranda: | ||
| Average total assets | $2,921,657,000 | 288 |
| Average earning assets | $2,743,955,000 | 283 |
| Average equity | $347,094,250 | 278 |
| Average total loans | $2,048,766,000 | 280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,981 |
| Cost of funding earning assets | 0.6036% | 1,387 |
| Net interest margin | 3.2199% | 4,604 |
| Noninterest income to average assets | 0.3980% | 4,092 |
| Noninterest expense to average assets | 1.6575% | 6,010 |
| Loan and lease loss provision to assets | 0.0725% | 2,656 |
| Net operating income to assets | 1.6743% | 654 |
| Return on assets (ROA) | 1.6748% | 680 |
| Pretax return on assets | 1.6894% | 1,102 |
| Return on Equity (ROE) | 14.0215% | 900 |
| Retained earnings to average equity (ytd only) | -1.0162% | 5,690 |
| Net charge-offs to loans | 0.1061% | 1,941 |
| Credit loss provision to net charge-offs | 96.7742% | 2,114 |
| Earnings coverage of net charge-offs (x) | 23.4986% | 1,607 |
| Efficiency ratio | 47.6762% | 5,978 |
| Assets per employee ($millions) | 7.9440% | 539 |
| Cash dividends to net income (ytd only)* | 107.2475% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 4,055 |
| Loan loss allowance to noncurrent loans | 117.8750% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 1,930 |
| Noncurrent loans to loans | 0.9799% | 2,687 |
| Net loans and leases to total assets | 69.2518% | 2,447 |
| Net loans and leases to deposits | 85.0471% | 2,179 |
| Net loans and leases to core deposits | 128.7194% | 292 |
| Total domestic deposits to total assets | 81.4276% | 4,472 |
| Equity capital to assets | 11.6653% | 2,276 |
| Core capital (leverage) ratio | 11.8427% | 1,751 |
| Tier 1 risk-based capital ratio | 15.1610% | 3,269 |
| Total risk-based capital ratio | 16.2170% | 3,312 |
| Memoranda: | ||
| Average total assets | $2,894,949,330 | 287 |
| Average earning assets | $2,716,049,000 | 283 |
| Average equity | $345,798,330 | 282 |
| Average total loans | $2,045,684,330 | 281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,043 |
| Cost of funding earning assets | 0.6013% | 1,427 |
| Net interest margin | 3.1909% | 4,644 |
| Noninterest income to average assets | 0.3988% | 4,013 |
| Noninterest expense to average assets | 1.6668% | 6,045 |
| Loan and lease loss provision to assets | 0.0731% | 2,478 |
| Net operating income to assets | 1.6363% | 668 |
| Return on assets (ROA) | 1.6369% | 699 |
| Pretax return on assets | 1.6487% | 1,158 |
| Return on Equity (ROE) | 13.5415% | 967 |
| Retained earnings to average equity (ytd only) | -7.1923% | 6,046 |
| Net charge-offs to loans | 0.0765% | 1,936 |
| Credit loss provision to net charge-offs | 134.6154% | 1,344 |
| Earnings coverage of net charge-offs (x) | 31.6974% | 1,118 |
| Efficiency ratio | 48.3787% | 6,004 |
| Assets per employee ($millions) | 8.0214% | 540 |
| Cash dividends to net income (ytd only)* | 153.1133% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 4,193 |
| Loan loss allowance to noncurrent loans | 121.1429% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 2,122 |
| Noncurrent loans to loans | 0.9591% | 2,859 |
| Net loans and leases to total assets | 70.5682% | 2,060 |
| Net loans and leases to deposits | 88.2261% | 1,590 |
| Net loans and leases to core deposits | 130.5963% | 240 |
| Total domestic deposits to total assets | 79.9857% | 5,055 |
| Equity capital to assets | 11.9748% | 2,042 |
| Core capital (leverage) ratio | 11.8983% | 1,701 |
| Tier 1 risk-based capital ratio | 15.1261% | 3,365 |
| Total risk-based capital ratio | 16.2016% | 3,384 |
| Memoranda: | ||
| Average total assets | $2,872,779,000 | 288 |
| Average earning assets | $2,691,302,500 | 283 |
| Average equity | $347,259,000 | 276 |
| Average total loans | $2,038,877,500 | 278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,882 |
| Cost of funding earning assets | 0.6651% | 1,300 |
| Net interest margin | 3.2925% | 4,603 |
| Noninterest income to average assets | 0.3260% | 4,790 |
| Noninterest expense to average assets | 1.6977% | 6,156 |
| Loan and lease loss provision to assets | 0.0422% | 3,731 |
| Net operating income to assets | 1.6508% | 639 |
| Return on assets (ROA) | 1.6440% | 670 |
| Pretax return on assets | 1.6606% | 1,072 |
| Return on Equity (ROE) | 14.1143% | 916 |
| Retained earnings to average equity (ytd only) | 5.0595% | 2,557 |
| Net charge-offs to loans | 0.1486% | 2,548 |
| Credit loss provision to net charge-offs | 41.3793% | 3,651 |
| Earnings coverage of net charge-offs (x) | 16.7690% | 1,986 |
| Efficiency ratio | 48.9904% | 6,143 |
| Assets per employee ($millions) | 7.8084% | 573 |
| Cash dividends to net income (ytd only)* | 64.1533% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 4,118 |
| Loan loss allowance to noncurrent loans | 149.4417% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 2,348 |
| Noncurrent loans to loans | 0.7907% | 3,332 |
| Net loans and leases to total assets | 69.7088% | 2,277 |
| Net loans and leases to deposits | 86.9805% | 1,851 |
| Net loans and leases to core deposits | 125.4190% | 298 |
| Total domestic deposits to total assets | 80.1430% | 4,977 |
| Equity capital to assets | 12.2022% | 1,857 |
| Core capital (leverage) ratio | 12.1448% | 1,537 |
| Tier 1 risk-based capital ratio | 17.2138% | 2,421 |
| Total risk-based capital ratio | 18.4023% | 2,406 |
| Memoranda: | ||
| Average total assets | $2,844,485,800 | 278 |
| Average earning assets | $2,662,072,600 | 270 |
| Average equity | $331,317,200 | 271 |
| Average total loans | $1,951,544,000 | 271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,988 |
| Cost of funding earning assets | 0.6807% | 1,252 |
| Net interest margin | 3.2656% | 4,737 |
| Noninterest income to average assets | 0.3125% | 4,942 |
| Noninterest expense to average assets | 1.6953% | 6,213 |
| Loan and lease loss provision to assets | 0.0563% | 3,247 |
| Net operating income to assets | 1.6050% | 743 |
| Return on assets (ROA) | 1.6124% | 763 |
| Pretax return on assets | 1.6268% | 1,243 |
| Return on Equity (ROE) | 14.0105% | 979 |
| Retained earnings to average equity (ytd only) | 5.0393% | 3,054 |
| Net charge-offs to loans | 0.1415% | 2,382 |
| Credit loss provision to net charge-offs | 58.4226% | 2,965 |
| Earnings coverage of net charge-offs (x) | 17.3836% | 1,906 |
| Efficiency ratio | 49.4473% | 6,119 |
| Assets per employee ($millions) | 7.7584% | 572 |
| Cash dividends to net income (ytd only)* | 64.0317% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 3,865 |
| Loan loss allowance to noncurrent loans | 135.3141% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 2,587 |
| Noncurrent loans to loans | 0.9328% | 3,228 |
| Net loans and leases to total assets | 67.3848% | 2,633 |
| Net loans and leases to deposits | 84.0368% | 2,147 |
| Net loans and leases to core deposits | 124.1432% | 309 |
| Total domestic deposits to total assets | 80.1848% | 5,055 |
| Equity capital to assets | 11.8654% | 2,181 |
| Core capital (leverage) ratio | 11.9681% | 1,714 |
| Tier 1 risk-based capital ratio | 17.2777% | 2,487 |
| Total risk-based capital ratio | 18.5277% | 2,445 |
| Memoranda: | ||
| Average total assets | $2,841,142,500 | 278 |
| Average earning assets | $2,660,915,750 | 270 |
| Average equity | $326,966,000 | 270 |
| Average total loans | $1,935,429,750 | 269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,871 |
| Cost of funding earning assets | 0.6840% | 1,285 |
| Net interest margin | 3.2818% | 4,661 |
| Noninterest income to average assets | 0.3128% | 4,916 |
| Noninterest expense to average assets | 1.6817% | 6,287 |
| Loan and lease loss provision to assets | 0.0706% | 2,862 |
| Net operating income to assets | 1.6205% | 675 |
| Return on assets (ROA) | 1.6313% | 689 |
| Pretax return on assets | 1.6445% | 1,152 |
| Return on Equity (ROE) | 14.3249% | 899 |
| Retained earnings to average equity (ytd only) | 5.0290% | 2,941 |
| Net charge-offs to loans | 0.1550% | 2,152 |
| Credit loss provision to net charge-offs | 66.8896% | 2,522 |
| Earnings coverage of net charge-offs (x) | 16.1518% | 1,812 |
| Efficiency ratio | 48.8244% | 6,238 |
| Assets per employee ($millions) | 7.6740% | 574 |
| Cash dividends to net income (ytd only)* | 64.8929% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,935 |
| Loan loss allowance to noncurrent loans | 90.4065% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 2,354 |
| Noncurrent loans to loans | 1.4211% | 2,427 |
| Net loans and leases to total assets | 67.3416% | 2,527 |
| Net loans and leases to deposits | 84.1751% | 2,022 |
| Net loans and leases to core deposits | 125.4809% | 277 |
| Total domestic deposits to total assets | 80.0018% | 5,235 |
| Equity capital to assets | 11.6597% | 2,276 |
| Core capital (leverage) ratio | 11.9525% | 1,682 |
| Tier 1 risk-based capital ratio | 17.1564% | 2,553 |
| Total risk-based capital ratio | 18.4067% | 2,519 |
| Memoranda: | ||
| Average total assets | $2,833,901,670 | 276 |
| Average earning assets | $2,653,645,670 | 267 |
| Average equity | $322,725,000 | 270 |
| Average total loans | $1,929,307,670 | 268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,967 |
| Cost of funding earning assets | 0.6866% | 1,329 |
| Net interest margin | 3.2437% | 4,766 |
| Noninterest income to average assets | 0.2993% | 4,964 |
| Noninterest expense to average assets | 1.6881% | 6,356 |
| Loan and lease loss provision to assets | 0.0708% | 2,719 |
| Net operating income to assets | 1.5673% | 708 |
| Return on assets (ROA) | 1.5681% | 739 |
| Pretax return on assets | 1.5776% | 1,217 |
| Return on Equity (ROE) | 13.9381% | 956 |
| Retained earnings to average equity (ytd only) | 5.1237% | 3,043 |
| Net charge-offs to loans | 0.1214% | 1,993 |
| Credit loss provision to net charge-offs | 85.7633% | 1,840 |
| Earnings coverage of net charge-offs (x) | 19.9485% | 1,352 |
| Efficiency ratio | 49.7494% | 6,268 |
| Assets per employee ($millions) | 7.6319% | 591 |
| Cash dividends to net income (ytd only)* | 63.2397% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,018 |
| Loan loss allowance to noncurrent loans | 105.0171% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 2,832 |
| Noncurrent loans to loans | 1.2553% | 2,942 |
| Net loans and leases to total assets | 67.2351% | 2,351 |
| Net loans and leases to deposits | 84.5121% | 1,770 |
| Net loans and leases to core deposits | 123.3965% | 272 |
| Total domestic deposits to total assets | 79.5568% | 5,582 |
| Equity capital to assets | 11.4143% | 2,319 |
| Core capital (leverage) ratio | 11.8575% | 1,729 |
| Tier 1 risk-based capital ratio | 17.2082% | 2,596 |
| Total risk-based capital ratio | 18.4591% | 2,554 |
| Memoranda: | ||
| Average total assets | $2,823,490,000 | 274 |
| Average earning assets | $2,643,048,500 | 266 |
| Average equity | $317,661,000 | 271 |
| Average total loans | $1,920,243,000 | 264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,421 |
| Cost of funding earning assets | 0.7457% | 1,526 |
| Net interest margin | 3.1648% | 5,109 |
| Noninterest income to average assets | 0.3675% | 4,682 |
| Noninterest expense to average assets | 1.6281% | 6,501 |
| Loan and lease loss provision to assets | 0.1152% | 2,884 |
| Net operating income to assets | 1.5692% | 732 |
| Return on assets (ROA) | 1.5621% | 765 |
| Pretax return on assets | 1.5794% | 1,222 |
| Return on Equity (ROE) | 13.7414% | 1,008 |
| Retained earnings to average equity (ytd only) | 5.6659% | 2,175 |
| Net charge-offs to loans | 0.3183% | 2,094 |
| Credit loss provision to net charge-offs | 55.1534% | 3,700 |
| Earnings coverage of net charge-offs (x) | 8.1474% | 2,721 |
| Efficiency ratio | 47.9994% | 6,491 |
| Assets per employee ($millions) | 7.4289% | 625 |
| Cash dividends to net income (ytd only)* | 58.7679% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 3,954 |
| Loan loss allowance to noncurrent loans | 93.4239% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 2,683 |
| Noncurrent loans to loans | 1.4289% | 2,745 |
| Net loans and leases to total assets | 66.9788% | 2,522 |
| Net loans and leases to deposits | 84.5595% | 1,859 |
| Net loans and leases to core deposits | 123.7315% | 272 |
| Total domestic deposits to total assets | 79.2091% | 5,619 |
| Equity capital to assets | 11.0860% | 2,535 |
| Core capital (leverage) ratio | 11.7162% | 1,815 |
| Tier 1 risk-based capital ratio | 17.0797% | 2,573 |
| Total risk-based capital ratio | 18.3306% | 2,545 |
| Memoranda: | ||
| Average total assets | $2,777,726,800 | 272 |
| Average earning assets | $2,600,080,600 | 263 |
| Average equity | $315,768,600 | 263 |
| Average total loans | $1,822,775,800 | 270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 4,568 |
| Cost of funding earning assets | 0.7558% | 1,563 |
| Net interest margin | 3.1267% | 5,245 |
| Noninterest income to average assets | 0.4057% | 4,488 |
| Noninterest expense to average assets | 1.6176% | 6,542 |
| Loan and lease loss provision to assets | 0.1541% | 2,341 |
| Net operating income to assets | 1.5445% | 830 |
| Return on assets (ROA) | 1.5442% | 875 |
| Pretax return on assets | 1.5616% | 1,442 |
| Return on Equity (ROE) | 13.4990% | 1,121 |
| Retained earnings to average equity (ytd only) | 5.7100% | 2,590 |
| Net charge-offs to loans | 0.4267% | 1,501 |
| Credit loss provision to net charge-offs | 55.5266% | 3,391 |
| Earnings coverage of net charge-offs (x) | 6.1820% | 3,022 |
| Efficiency ratio | 47.6290% | 6,516 |
| Assets per employee ($millions) | 7.4839% | 587 |
| Cash dividends to net income (ytd only)* | 57.7007% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,005 |
| Loan loss allowance to noncurrent loans | 101.1399% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 2,954 |
| Noncurrent loans to loans | 1.3593% | 3,147 |
| Net loans and leases to total assets | 64.9747% | 2,808 |
| Net loans and leases to deposits | 82.8135% | 2,027 |
| Net loans and leases to core deposits | 120.1939% | 320 |
| Total domestic deposits to total assets | 78.4591% | 5,832 |
| Equity capital to assets | 10.9612% | 2,793 |
| Core capital (leverage) ratio | 11.7606% | 1,846 |
| Tier 1 risk-based capital ratio | 17.2558% | 2,605 |
| Total risk-based capital ratio | 18.5072% | 2,568 |
| Memoranda: | ||
| Average total assets | $2,768,271,000 | 275 |
| Average earning assets | $2,592,180,750 | 263 |
| Average equity | $316,677,500 | 262 |
| Average total loans | $1,800,635,250 | 271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 4,570 |
| Cost of funding earning assets | 0.7745% | 1,560 |
| Net interest margin | 3.1005% | 5,279 |
| Noninterest income to average assets | 0.2949% | 5,343 |
| Noninterest expense to average assets | 1.6283% | 6,564 |
| Loan and lease loss provision to assets | 0.1709% | 2,200 |
| Net operating income to assets | 1.3890% | 1,104 |
| Return on assets (ROA) | 1.3887% | 1,186 |
| Pretax return on assets | 1.4061% | 1,912 |
| Return on Equity (ROE) | 11.9681% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.1348% | 3,656 |
| Net charge-offs to loans | 0.4943% | 1,322 |
| Credit loss provision to net charge-offs | 53.3848% | 3,151 |
| Earnings coverage of net charge-offs (x) | 4.9280% | 3,000 |
| Efficiency ratio | 49.8560% | 6,441 |
| Assets per employee ($millions) | 7.4692% | 576 |
| Cash dividends to net income (ytd only)* | 65.4519% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 3,856 |
| Loan loss allowance to noncurrent loans | 107.3871% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4459% | 2,932 |
| Noncurrent loans to loans | 1.3393% | 3,313 |
| Net loans and leases to total assets | 64.2875% | 2,870 |
| Net loans and leases to deposits | 83.6452% | 1,848 |
| Net loans and leases to core deposits | 123.8392% | 257 |
| Total domestic deposits to total assets | 76.8573% | 6,142 |
| Equity capital to assets | 11.1438% | 2,618 |
| Core capital (leverage) ratio | 11.5364% | 1,907 |
| Tier 1 risk-based capital ratio | 17.3105% | 2,589 |
| Total risk-based capital ratio | 18.5627% | 2,559 |
| Memoranda: | ||
| Average total assets | $2,750,546,330 | 275 |
| Average earning assets | $2,582,305,670 | 261 |
| Average equity | $319,148,670 | 263 |
| Average total loans | $1,781,253,670 | 275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 4,414 |
| Cost of funding earning assets | 0.7990% | 1,534 |
| Net interest margin | 3.1175% | 5,204 |
| Noninterest income to average assets | 0.2948% | 5,350 |
| Noninterest expense to average assets | 1.6216% | 6,652 |
| Loan and lease loss provision to assets | 0.2266% | 1,621 |
| Net operating income to assets | 1.3583% | 1,131 |
| Return on assets (ROA) | 1.3583% | 1,223 |
| Pretax return on assets | 1.3759% | 1,937 |
| Return on Equity (ROE) | 11.4761% | 1,566 |
| Retained earnings to average equity (ytd only) | 4.0666% | 3,784 |
| Net charge-offs to loans | 0.3305% | 1,647 |
| Credit loss provision to net charge-offs | 106.2371% | 1,741 |
| Earnings coverage of net charge-offs (x) | 7.5141% | 2,058 |
| Efficiency ratio | 49.3585% | 6,540 |
| Assets per employee ($millions) | 7.2662% | 680 |
| Cash dividends to net income (ytd only)* | 64.5647% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,468 |
| Loan loss allowance to noncurrent loans | 70.1622% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 2,452 |
| Noncurrent loans to loans | 2.2565% | 2,324 |
| Net loans and leases to total assets | 63.8424% | 2,738 |
| Net loans and leases to deposits | 82.8443% | 1,727 |
| Net loans and leases to core deposits | 116.3983% | 339 |
| Total domestic deposits to total assets | 77.0631% | 6,245 |
| Equity capital to assets | 11.7710% | 2,202 |
| Core capital (leverage) ratio | 11.5253% | 1,866 |
| Tier 1 risk-based capital ratio | 17.5044% | 2,557 |
| Total risk-based capital ratio | 18.7585% | 2,520 |
| Memoranda: | ||
| Average total assets | $2,736,557,000 | 277 |
| Average earning assets | $2,571,296,000 | 265 |
| Average equity | $323,907,000 | 264 |
| Average total loans | $1,765,726,000 | 279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 4,829 |
| Cost of funding earning assets | 1.0326% | 1,196 |
| Net interest margin | 3.0996% | 5,814 |
| Noninterest income to average assets | 0.3296% | 5,098 |
| Noninterest expense to average assets | 1.7204% | 6,707 |
| Loan and lease loss provision to assets | 0.4343% | 1,468 |
| Net operating income to assets | 1.0763% | 2,030 |
| Return on assets (ROA) | 1.5052% | 999 |
| Pretax return on assets | 1.5052% | 1,659 |
| Return on Equity (ROE) | 13.7990% | 1,031 |
| Retained earnings to average equity (ytd only) | 5.7513% | 2,218 |
| Net charge-offs to loans | 0.7272% | 1,615 |
| Credit loss provision to net charge-offs | 97.0914% | 3,194 |
| Earnings coverage of net charge-offs (x) | 3.3770% | 3,754 |
| Efficiency ratio | 52.2754% | 6,443 |
| Assets per employee ($millions) | 7.2513% | 689 |
| Cash dividends to net income (ytd only)* | 58.3209% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 3,278 |
| Loan loss allowance to noncurrent loans | 62.2733% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.0055% | 2,446 |
| Noncurrent loans to loans | 2.5804% | 2,051 |
| Net loans and leases to total assets | 63.1440% | 3,029 |
| Net loans and leases to deposits | 80.5091% | 2,221 |
| Net loans and leases to core deposits | 112.4969% | 453 |
| Total domestic deposits to total assets | 78.4309% | 6,008 |
| Equity capital to assets | 11.9021% | 2,111 |
| Core capital (leverage) ratio | 11.3542% | 1,973 |
| Tier 1 risk-based capital ratio | 17.7094% | 2,379 |
| Total risk-based capital ratio | 18.9639% | 2,338 |
| Memoranda: | ||
| Average total assets | $2,705,470,600 | 270 |
| Average earning assets | $2,532,467,200 | 255 |
| Average equity | $295,115,000 | 275 |
| Average total loans | $1,664,106,400 | 282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 4,990 |
| Cost of funding earning assets | 1.0889% | 1,109 |
| Net interest margin | 3.0603% | 6,042 |
| Noninterest income to average assets | 0.3247% | 5,186 |
| Noninterest expense to average assets | 1.7364% | 6,753 |
| Loan and lease loss provision to assets | 0.5432% | 1,083 |
| Net operating income to assets | 0.9088% | 2,940 |
| Return on assets (ROA) | 1.3804% | 1,399 |
| Pretax return on assets | 1.3804% | 2,300 |
| Return on Equity (ROE) | 12.9528% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.7287% | 3,577 |
| Net charge-offs to loans | 0.7582% | 1,455 |
| Credit loss provision to net charge-offs | 117.7478% | 2,464 |
| Earnings coverage of net charge-offs (x) | 3.1476% | 3,769 |
| Efficiency ratio | 53.4737% | 6,307 |
| Assets per employee ($millions) | 7.1757% | 683 |
| Cash dividends to net income (ytd only)* | 63.4927% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 2,855 |
| Loan loss allowance to noncurrent loans | 61.7863% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.1268% | 2,520 |
| Noncurrent loans to loans | 2.8853% | 1,942 |
| Net loans and leases to total assets | 61.0325% | 3,566 |
| Net loans and leases to deposits | 77.0380% | 2,806 |
| Net loans and leases to core deposits | 105.9761% | 740 |
| Total domestic deposits to total assets | 79.2238% | 5,821 |
| Equity capital to assets | 11.0837% | 3,176 |
| Core capital (leverage) ratio | 10.2910% | 3,174 |
| Tier 1 risk-based capital ratio | 16.2181% | 3,153 |
| Total risk-based capital ratio | 17.4742% | 3,115 |
| Memoranda: | ||
| Average total assets | $2,700,211,750 | 270 |
| Average earning assets | $2,526,675,500 | 258 |
| Average equity | $287,765,750 | 282 |
| Average total loans | $1,642,697,250 | 287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 4,835 |
| Cost of funding earning assets | 1.1589% | 983 |
| Net interest margin | 3.0746% | 6,066 |
| Noninterest income to average assets | 0.2911% | 5,475 |
| Noninterest expense to average assets | 1.7401% | 6,809 |
| Loan and lease loss provision to assets | 0.5940% | 1,010 |
| Net operating income to assets | 0.8298% | 3,244 |
| Return on assets (ROA) | 1.2370% | 1,777 |
| Pretax return on assets | 1.2370% | 2,777 |
| Return on Equity (ROE) | 11.7658% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.2916% | 4,417 |
| Net charge-offs to loans | 1.0176% | 1,084 |
| Credit loss provision to net charge-offs | 96.6417% | 2,866 |
| Earnings coverage of net charge-offs (x) | 2.3166% | 3,840 |
| Efficiency ratio | 54.0010% | 6,316 |
| Assets per employee ($millions) | 7.2455% | 648 |
| Cash dividends to net income (ytd only)* | 72.0245% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 3,187 |
| Loan loss allowance to noncurrent loans | 53.9190% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.3331% | 2,395 |
| Noncurrent loans to loans | 3.1704% | 1,839 |
| Net loans and leases to total assets | 58.7179% | 4,040 |
| Net loans and leases to deposits | 73.8798% | 3,313 |
| Net loans and leases to core deposits | 105.6290% | 763 |
| Total domestic deposits to total assets | 79.4777% | 5,864 |
| Equity capital to assets | 10.8444% | 3,295 |
| Core capital (leverage) ratio | 10.2832% | 3,064 |
| Tier 1 risk-based capital ratio | 16.0706% | 3,133 |
| Total risk-based capital ratio | 17.3256% | 3,095 |
| Memoranda: | ||
| Average total assets | $2,693,746,670 | 270 |
| Average earning assets | $2,516,965,670 | 259 |
| Average equity | $283,210,000 | 285 |
| Average total loans | $1,626,939,330 | 286 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 4,546 |
| Cost of funding earning assets | 1.2411% | 807 |
| Net interest margin | 3.1020% | 6,033 |
| Noninterest income to average assets | 0.2484% | 5,867 |
| Noninterest expense to average assets | 1.7951% | 6,799 |
| Loan and lease loss provision to assets | 0.2255% | 2,692 |
| Net operating income to assets | 1.1158% | 2,008 |
| Return on assets (ROA) | 1.4718% | 1,202 |
| Pretax return on assets | 1.4718% | 1,956 |
| Return on Equity (ROE) | 14.2317% | 1,138 |
| Retained earnings to average equity (ytd only) | 5.5086% | 3,251 |
| Net charge-offs to loans | 0.8998% | 1,141 |
| Credit loss provision to net charge-offs | 41.2655% | 3,434 |
| Earnings coverage of net charge-offs (x) | 2.4542% | 3,194 |
| Efficiency ratio | 56.2176% | 6,101 |
| Assets per employee ($millions) | 7.0766% | 734 |
| Cash dividends to net income (ytd only)* | 61.2933% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 3,578 |
| Loan loss allowance to noncurrent loans | 40.3846% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 3.0930% | 1,880 |
| Noncurrent loans to loans | 4.0603% | 1,496 |
| Net loans and leases to total assets | 59.5266% | 3,771 |
| Net loans and leases to deposits | 76.5109% | 2,728 |
| Net loans and leases to core deposits | 104.5233% | 739 |
| Total domestic deposits to total assets | 77.8015% | 6,295 |
| Equity capital to assets | 11.1525% | 2,756 |
| Core capital (leverage) ratio | 10.3290% | 2,954 |
| Tier 1 risk-based capital ratio | 16.0608% | 3,143 |
| Total risk-based capital ratio | 17.3145% | 3,110 |
| Memoranda: | ||
| Average total assets | $2,660,354,000 | 273 |
| Average earning assets | $2,476,845,500 | 260 |
| Average equity | $275,133,000 | 288 |
| Average total loans | $1,615,850,000 | 281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 4,784 |
| Cost of funding earning assets | 1.4171% | 962 |
| Net interest margin | 3.1537% | 6,209 |
| Noninterest income to average assets | 0.3223% | 5,240 |
| Noninterest expense to average assets | 1.6218% | 7,107 |
| Loan and lease loss provision to assets | 0.4642% | 2,285 |
| Net operating income to assets | 1.1736% | 1,591 |
| Return on assets (ROA) | 1.4680% | 967 |
| Pretax return on assets | 1.4680% | 1,564 |
| Return on Equity (ROE) | 15.7042% | 650 |
| Retained earnings to average equity (ytd only) | 3.3490% | 3,836 |
| Net charge-offs to loans | 0.5975% | 2,655 |
| Credit loss provision to net charge-offs | 132.2052% | 2,304 |
| Earnings coverage of net charge-offs (x) | 4.6645% | 3,027 |
| Efficiency ratio | 48.7525% | 6,902 |
| Assets per employee ($millions) | 7.0556% | 710 |
| Cash dividends to net income (ytd only)* | 78.6744% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 3,024 |
| Loan loss allowance to noncurrent loans | 48.1196% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 2,229 |
| Noncurrent loans to loans | 3.6392% | 1,746 |
| Net loans and leases to total assets | 59.8888% | 4,013 |
| Net loans and leases to deposits | 76.5538% | 3,081 |
| Net loans and leases to core deposits | 99.6156% | 1,209 |
| Total domestic deposits to total assets | 78.2310% | 6,149 |
| Equity capital to assets | 9.5354% | 4,821 |
| Core capital (leverage) ratio | 8.5921% | 5,413 |
| Tier 1 risk-based capital ratio | 13.4304% | 4,749 |
| Total risk-based capital ratio | 14.6856% | 4,712 |
| Memoranda: | ||
| Average total assets | $2,692,747,200 | 268 |
| Average earning assets | $2,508,064,400 | 256 |
| Average equity | $251,716,600 | 298 |
| Average total loans | $1,582,301,000 | 288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 5,158 |
| Cost of funding earning assets | 1.4542% | 1,008 |
| Net interest margin | 3.0768% | 6,437 |
| Noninterest income to average assets | 0.3149% | 5,347 |
| Noninterest expense to average assets | 1.6449% | 7,146 |
| Loan and lease loss provision to assets | 0.3334% | 2,879 |
| Net operating income to assets | 1.2034% | 1,645 |
| Return on assets (ROA) | 1.4798% | 1,063 |
| Pretax return on assets | 1.4798% | 1,705 |
| Return on Equity (ROE) | 15.9092% | 699 |
| Retained earnings to average equity (ytd only) | 3.9075% | 3,938 |
| Net charge-offs to loans | 0.3625% | 3,275 |
| Credit loss provision to net charge-offs | 158.0056% | 1,964 |
| Earnings coverage of net charge-offs (x) | 7.2830% | 2,385 |
| Efficiency ratio | 50.6753% | 6,789 |
| Assets per employee ($millions) | 7.1836% | 671 |
| Cash dividends to net income (ytd only)* | 75.4390% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 3,036 |
| Loan loss allowance to noncurrent loans | 53.2237% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 2,707 |
| Noncurrent loans to loans | 3.3274% | 2,073 |
| Net loans and leases to total assets | 57.1460% | 4,656 |
| Net loans and leases to deposits | 73.4686% | 3,730 |
| Net loans and leases to core deposits | 92.7841% | 1,908 |
| Total domestic deposits to total assets | 77.7828% | 6,229 |
| Equity capital to assets | 9.4572% | 5,153 |
| Core capital (leverage) ratio | 8.3973% | 5,859 |
| Tier 1 risk-based capital ratio | 13.5193% | 4,718 |
| Total risk-based capital ratio | 14.7743% | 4,685 |
| Memoranda: | ||
| Average total assets | $2,699,184,250 | 267 |
| Average earning assets | $2,515,026,500 | 254 |
| Average equity | $251,068,250 | 302 |
| Average total loans | $1,571,450,500 | 289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 5,155 |
| Cost of funding earning assets | 1.4994% | 1,009 |
| Net interest margin | 3.0557% | 6,499 |
| Noninterest income to average assets | 0.3014% | 5,477 |
| Noninterest expense to average assets | 1.6560% | 7,222 |
| Loan and lease loss provision to assets | 0.2596% | 3,326 |
| Net operating income to assets | 1.2314% | 1,488 |
| Return on assets (ROA) | 1.2200% | 1,590 |
| Pretax return on assets | 1.2200% | 2,405 |
| Return on Equity (ROE) | 13.1901% | 1,158 |
| Retained earnings to average equity (ytd only) | 3.5664% | 3,965 |
| Net charge-offs to loans | 0.5252% | 2,522 |
| Credit loss provision to net charge-offs | 84.8896% | 3,622 |
| Earnings coverage of net charge-offs (x) | 4.8751% | 2,743 |
| Efficiency ratio | 51.5864% | 6,823 |
| Assets per employee ($millions) | 7.4783% | 580 |
| Cash dividends to net income (ytd only)* | 72.9616% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,905 |
| Loan loss allowance to noncurrent loans | 55.5877% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 3,223 |
| Noncurrent loans to loans | 2.7901% | 2,607 |
| Net loans and leases to total assets | 56.8957% | 4,831 |
| Net loans and leases to deposits | 75.2666% | 3,603 |
| Net loans and leases to core deposits | 96.3298% | 1,642 |
| Total domestic deposits to total assets | 75.5922% | 6,657 |
| Equity capital to assets | 9.3076% | 5,125 |
| Core capital (leverage) ratio | 8.3667% | 5,758 |
| Tier 1 risk-based capital ratio | 13.5568% | 4,483 |
| Total risk-based capital ratio | 14.8099% | 4,463 |
| Memoranda: | ||
| Average total assets | $2,696,170,670 | 271 |
| Average earning assets | $2,510,807,000 | 258 |
| Average equity | $249,384,000 | 304 |
| Average total loans | $1,570,086,330 | 296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 5,248 |
| Cost of funding earning assets | 1.5568% | 958 |
| Net interest margin | 2.9705% | 6,634 |
| Noninterest income to average assets | 0.3327% | 5,241 |
| Noninterest expense to average assets | 1.6473% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4491% | 991 |
| Return on assets (ROA) | 1.4185% | 1,066 |
| Pretax return on assets | 1.4185% | 1,674 |
| Return on Equity (ROE) | 15.3865% | 762 |
| Retained earnings to average equity (ytd only) | 4.7875% | 3,310 |
| Net charge-offs to loans | 0.0563% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 44.0137% | 633 |
| Efficiency ratio | 52.1387% | 6,844 |
| Assets per employee ($millions) | 7.1605% | 683 |
| Cash dividends to net income (ytd only)* | 68.8851% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,581 |
| Loan loss allowance to noncurrent loans | 58.9646% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 3,321 |
| Noncurrent loans to loans | 2.7768% | 2,725 |
| Net loans and leases to total assets | 57.1528% | 4,773 |
| Net loans and leases to deposits | 72.9849% | 3,923 |
| Net loans and leases to core deposits | 93.9166% | 1,894 |
| Total domestic deposits to total assets | 78.3077% | 6,335 |
| Equity capital to assets | 9.2756% | 4,772 |
| Core capital (leverage) ratio | 8.3865% | 5,650 |
| Tier 1 risk-based capital ratio | 13.7907% | 4,218 |
| Total risk-based capital ratio | 15.0446% | 4,197 |
| Memoranda: | ||
| Average total assets | $2,660,768,000 | 272 |
| Average earning assets | $2,475,524,500 | 259 |
| Average equity | $245,306,500 | 305 |
| Average total loans | $1,555,584,000 | 298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 4,950 |
| Cost of funding earning assets | 1.9067% | 825 |
| Net interest margin | 3.0071% | 6,721 |
| Noninterest income to average assets | 0.3388% | 5,366 |
| Noninterest expense to average assets | 1.5667% | 7,422 |
| Loan and lease loss provision to assets | 0.4032% | 3,696 |
| Net operating income to assets | 1.1426% | 1,570 |
| Return on assets (ROA) | 1.4662% | 887 |
| Pretax return on assets | 1.4662% | 1,465 |
| Return on Equity (ROE) | 17.3001% | 449 |
| Retained earnings to average equity (ytd only) | 5.6726% | 2,004 |
| Net charge-offs to loans | 0.1394% | 5,529 |
| Credit loss provision to net charge-offs | 479.8689% | 476 |
| Earnings coverage of net charge-offs (x) | 18.3965% | 1,104 |
| Efficiency ratio | 49.1797% | 7,193 |
| Assets per employee ($millions) | 7.1639% | 691 |
| Cash dividends to net income (ytd only)* | 67.2104% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 3,514 |
| Loan loss allowance to noncurrent loans | 53.6111% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 3,165 |
| Noncurrent loans to loans | 3.0172% | 2,533 |
| Net loans and leases to total assets | 57.8688% | 5,047 |
| Net loans and leases to deposits | 73.8893% | 4,210 |
| Net loans and leases to core deposits | 97.7083% | 1,822 |
| Total domestic deposits to total assets | 78.3183% | 6,252 |
| Equity capital to assets | 9.1636% | 4,892 |
| Core capital (leverage) ratio | 8.0595% | 6,096 |
| Tier 1 risk-based capital ratio | 13.5344% | 4,174 |
| Total risk-based capital ratio | 14.7884% | 4,138 |
| Memoranda: | ||
| Average total assets | $2,542,099,400 | 282 |
| Average earning assets | $2,344,771,000 | 275 |
| Average equity | $215,437,800 | 332 |
| Average total loans | $1,532,147,200 | 309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 4,979 |
| Cost of funding earning assets | 1.9568% | 864 |
| Net interest margin | 3.0064% | 6,817 |
| Noninterest income to average assets | 0.3214% | 5,584 |
| Noninterest expense to average assets | 1.5456% | 7,528 |
| Loan and lease loss provision to assets | 0.5180% | 2,862 |
| Net operating income to assets | 1.0245% | 2,157 |
| Return on assets (ROA) | 1.4249% | 1,132 |
| Pretax return on assets | 1.4249% | 1,808 |
| Return on Equity (ROE) | 17.1852% | 566 |
| Retained earnings to average equity (ytd only) | 6.2602% | 2,226 |
| Net charge-offs to loans | 0.1435% | 5,152 |
| Credit loss provision to net charge-offs | 595.2381% | 492 |
| Earnings coverage of net charge-offs (x) | 17.7246% | 1,309 |
| Efficiency ratio | 48.8705% | 7,220 |
| Assets per employee ($millions) | 7.6950% | 567 |
| Cash dividends to net income (ytd only)* | 63.5720% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,315 |
| Loan loss allowance to noncurrent loans | 50.5991% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 3,260 |
| Noncurrent loans to loans | 3.2734% | 2,421 |
| Net loans and leases to total assets | 55.2561% | 5,661 |
| Net loans and leases to deposits | 68.9354% | 5,288 |
| Net loans and leases to core deposits | 98.1226% | 2,025 |
| Total domestic deposits to total assets | 80.1563% | 5,659 |
| Equity capital to assets | 8.1225% | 6,695 |
| Core capital (leverage) ratio | 7.3001% | 7,005 |
| Tier 1 risk-based capital ratio | 11.9708% | 5,489 |
| Total risk-based capital ratio | 13.2252% | 5,451 |
| Memoranda: | ||
| Average total assets | $2,509,588,750 | 283 |
| Average earning assets | $2,309,490,500 | 273 |
| Average equity | $208,081,000 | 336 |
| Average total loans | $1,522,244,000 | 310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 4,572 |
| Cost of funding earning assets | 2.0166% | 871 |
| Net interest margin | 3.0609% | 6,699 |
| Noninterest income to average assets | 0.3207% | 5,594 |
| Noninterest expense to average assets | 1.5367% | 7,602 |
| Loan and lease loss provision to assets | 0.5748% | 2,473 |
| Net operating income to assets | 1.0106% | 2,152 |
| Return on assets (ROA) | 1.5707% | 834 |
| Pretax return on assets | 1.5707% | 1,381 |
| Return on Equity (ROE) | 18.7999% | 405 |
| Retained earnings to average equity (ytd only) | 6.9560% | 1,852 |
| Net charge-offs to loans | 0.1871% | 4,491 |
| Credit loss provision to net charge-offs | 492.9577% | 755 |
| Earnings coverage of net charge-offs (x) | 13.5965% | 1,577 |
| Efficiency ratio | 48.0168% | 7,346 |
| Assets per employee ($millions) | 7.2136% | 696 |
| Cash dividends to net income (ytd only)* | 62.9999% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,869 |
| Loan loss allowance to noncurrent loans | 53.7223% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 3,456 |
| Noncurrent loans to loans | 2.8095% | 2,846 |
| Net loans and leases to total assets | 59.1624% | 5,219 |
| Net loans and leases to deposits | 74.7360% | 4,560 |
| Net loans and leases to core deposits | 105.9997% | 1,447 |
| Total domestic deposits to total assets | 79.1618% | 5,993 |
| Equity capital to assets | 8.3214% | 6,399 |
| Core capital (leverage) ratio | 7.5040% | 6,821 |
| Tier 1 risk-based capital ratio | 12.0018% | 5,306 |
| Total risk-based capital ratio | 13.2549% | 5,273 |
| Memoranda: | ||
| Average total assets | $2,435,544,330 | 290 |
| Average earning assets | $2,229,110,000 | 285 |
| Average equity | $203,480,000 | 341 |
| Average total loans | $1,518,037,000 | 313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 3,143 |
| Cost of funding earning assets | 2.0399% | 974 |
| Net interest margin | 3.3394% | 5,819 |
| Noninterest income to average assets | 0.2993% | 5,755 |
| Noninterest expense to average assets | 1.5611% | 7,681 |
| Loan and lease loss provision to assets | 0.3346% | 3,386 |
| Net operating income to assets | 1.4896% | 908 |
| Return on assets (ROA) | 2.0611% | 344 |
| Pretax return on assets | 2.0611% | 546 |
| Return on Equity (ROE) | 24.6187% | 172 |
| Retained earnings to average equity (ytd only) | 15.0270% | 407 |
| Net charge-offs to loans | 0.3258% | 3,107 |
| Credit loss provision to net charge-offs | 161.6815% | 2,235 |
| Earnings coverage of net charge-offs (x) | 8.8149% | 1,921 |
| Efficiency ratio | 44.9815% | 7,591 |
| Assets per employee ($millions) | 7.0532% | 793 |
| Cash dividends to net income (ytd only)* | 38.9610% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,555 |
| Loan loss allowance to noncurrent loans | 47.0247% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 3,467 |
| Noncurrent loans to loans | 2.5307% | 3,140 |
| Net loans and leases to total assets | 62.0279% | 4,746 |
| Net loans and leases to deposits | 79.8496% | 3,684 |
| Net loans and leases to core deposits | 113.3166% | 1,072 |
| Total domestic deposits to total assets | 77.6809% | 6,403 |
| Equity capital to assets | 8.3722% | 6,193 |
| Core capital (leverage) ratio | 7.7207% | 6,600 |
| Tier 1 risk-based capital ratio | 12.3710% | 4,855 |
| Total risk-based capital ratio | 13.5911% | 4,828 |
| Memoranda: | ||
| Average total assets | $2,390,941,000 | 304 |
| Average earning assets | $2,209,477,500 | 297 |
| Average equity | $200,173,000 | 351 |
| Average total loans | $1,518,759,000 | 320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 3,711 |
| Cost of funding earning assets | 2.2600% | 1,803 |
| Net interest margin | 3.3184% | 5,671 |
| Noninterest income to average assets | 0.8947% | 1,959 |
| Noninterest expense to average assets | 1.7732% | 7,638 |
| Loan and lease loss provision to assets | 0.5036% | 3,861 |
| Net operating income to assets | 1.6869% | 463 |
| Return on assets (ROA) | 1.7117% | 459 |
| Pretax return on assets | 1.7117% | 759 |
| Return on Equity (ROE) | 20.5513% | 219 |
| Retained earnings to average equity (ytd only) | 8.9459% | 504 |
| Net charge-offs to loans | 0.2101% | 5,312 |
| Credit loss provision to net charge-offs | 360.8769% | 886 |
| Earnings coverage of net charge-offs (x) | 15.6985% | 1,290 |
| Efficiency ratio | 43.6402% | 7,791 |
| Assets per employee ($millions) | 6.7120% | 900 |
| Cash dividends to net income (ytd only)* | 56.4705% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,692 |
| Loan loss allowance to noncurrent loans | 46.7030% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 2.0602% | 3,315 |
| Noncurrent loans to loans | 2.4403% | 3,109 |
| Net loans and leases to total assets | 63.5531% | 4,689 |
| Net loans and leases to deposits | 80.8291% | 3,831 |
| Net loans and leases to core deposits | 100.1378% | 3,981 |
| Total domestic deposits to total assets | 78.6264% | 6,086 |
| Equity capital to assets | 8.3721% | 6,095 |
| Core capital (leverage) ratio | 7.6161% | 6,664 |
| Tier 1 risk-based capital ratio | 11.3925% | 5,519 |
| Total risk-based capital ratio | 12.5159% | 5,598 |
| Memoranda: | ||
| Average total assets | $2,124,908,800 | 333 |
| Average earning assets | $1,965,215,400 | 326 |
| Average equity | $176,986,600 | 390 |
| Average total loans | $1,411,410,000 | 355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 3,848 |
| Cost of funding earning assets | 2.4126% | 1,586 |
| Net interest margin | 3.1899% | 6,058 |
| Noninterest income to average assets | 1.1015% | 1,308 |
| Noninterest expense to average assets | 1.7631% | 7,700 |
| Loan and lease loss provision to assets | 0.3292% | 4,363 |
| Net operating income to assets | 1.9655% | 320 |
| Return on assets (ROA) | 2.0025% | 314 |
| Pretax return on assets | 2.0025% | 537 |
| Return on Equity (ROE) | 24.0778% | 127 |
| Retained earnings to average equity (ytd only) | 13.1806% | 247 |
| Net charge-offs to loans | 0.1656% | 5,064 |
| Credit loss provision to net charge-offs | 296.5116% | 1,397 |
| Earnings coverage of net charge-offs (x) | 20.6674% | 1,227 |
| Efficiency ratio | 42.4747% | 7,876 |
| Assets per employee ($millions) | 6.6875% | 898 |
| Cash dividends to net income (ytd only)* | 45.2582% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 6,895 |
| Loan loss allowance to noncurrent loans | 29.4459% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 2.4930% | 2,777 |
| Noncurrent loans to loans | 2.9481% | 2,577 |
| Net loans and leases to total assets | 64.4951% | 4,751 |
| Net loans and leases to deposits | 82.6683% | 3,897 |
| Net loans and leases to core deposits | 103.4654% | 3,999 |
| Total domestic deposits to total assets | 78.0167% | 6,086 |
| Equity capital to assets | 8.1158% | 6,724 |
| Core capital (leverage) ratio | 6.9931% | 7,441 |
| Tier 1 risk-based capital ratio | 10.4575% | 6,519 |
| Total risk-based capital ratio | 11.3250% | 6,853 |
| Memoranda: | ||
| Average total assets | $2,065,477,250 | 358 |
| Average earning assets | $1,914,181,000 | 342 |
| Average equity | $171,783,000 | 411 |
| Average total loans | $1,384,553,250 | 372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 4,381 |
| Cost of funding earning assets | 2.4439% | 1,803 |
| Net interest margin | 3.0969% | 6,252 |
| Noninterest income to average assets | 1.3999% | 778 |
| Noninterest expense to average assets | 1.6957% | 7,837 |
| Loan and lease loss provision to assets | 0.3318% | 3,945 |
| Net operating income to assets | 2.2495% | 176 |
| Return on assets (ROA) | 2.4758% | 126 |
| Pretax return on assets | 2.4758% | 226 |
| Return on Equity (ROE) | 29.4940% | 76 |
| Retained earnings to average equity (ytd only) | 18.0681% | 104 |
| Net charge-offs to loans | 0.2272% | 4,075 |
| Credit loss provision to net charge-offs | 215.4047% | 2,133 |
| Earnings coverage of net charge-offs (x) | 16.7591% | 1,520 |
| Efficiency ratio | 38.9638% | 8,037 |
| Assets per employee ($millions) | 7.0206% | 771 |
| Cash dividends to net income (ytd only)* | 38.7395% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 7,241 |
| Loan loss allowance to noncurrent loans | 38.5633% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7291% | 3,592 |
| Noncurrent loans to loans | 2.0068% | 3,512 |
| Net loans and leases to total assets | 64.9387% | 4,774 |
| Net loans and leases to deposits | 82.2863% | 4,180 |
| Net loans and leases to core deposits | 102.8141% | 4,202 |
| Total domestic deposits to total assets | 78.9180% | 5,837 |
| Equity capital to assets | 7.8236% | 6,949 |
| Core capital (leverage) ratio | 7.6462% | 6,834 |
| Tier 1 risk-based capital ratio | 10.5032% | 6,377 |
| Total risk-based capital ratio | 11.2771% | 6,818 |
| Memoranda: | ||
| Average total assets | $1,989,363,000 | 377 |
| Average earning assets | $1,848,107,670 | 361 |
| Average equity | $166,990,000 | 427 |
| Average total loans | $1,348,619,000 | 393 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 3,922 |
| Cost of funding earning assets | 2.5819% | 1,619 |
| Net interest margin | 3.0926% | 6,226 |
| Noninterest income to average assets | 0.3313% | 5,800 |
| Noninterest expense to average assets | 1.7607% | 7,748 |
| Loan and lease loss provision to assets | 0.3218% | 3,399 |
| Net operating income to assets | 1.1265% | 1,874 |
| Return on assets (ROA) | 1.6094% | 844 |
| Pretax return on assets | 1.6094% | 1,380 |
| Return on Equity (ROE) | 18.4213% | 557 |
| Retained earnings to average equity (ytd only) | 7.3700% | 2,070 |
| Net charge-offs to loans | 0.0295% | 5,112 |
| Credit loss provision to net charge-offs | 1,578.9474% | 396 |
| Earnings coverage of net charge-offs (x) | 71.0526% | 567 |
| Efficiency ratio | 54.1321% | 7,204 |
| Assets per employee ($millions) | 6.4977% | 959 |
| Cash dividends to net income (ytd only)* | 59.9920% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,950 |
| Loan loss allowance to noncurrent loans | 113.1492% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 4,938 |
| Noncurrent loans to loans | 0.7545% | 5,537 |
| Net loans and leases to total assets | 66.9757% | 4,348 |
| Net loans and leases to deposits | 85.9365% | 3,642 |
| Net loans and leases to core deposits | 111.3095% | 3,282 |
| Total domestic deposits to total assets | 77.9362% | 6,033 |
| Equity capital to assets | 8.6303% | 5,872 |
| Core capital (leverage) ratio | 7.9422% | 6,555 |
| Tier 1 risk-based capital ratio | 10.8213% | 6,071 |
| Total risk-based capital ratio | 11.6357% | 6,422 |
| Memoranda: | ||
| Average total assets | $1,864,259,000 | 399 |
| Average earning assets | $1,734,711,500 | 389 |
| Average equity | $162,877,000 | 432 |
| Average total loans | $1,290,083,000 | 415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0005% | 5,543 |
| Cost of funding earning assets | 3.2873% | 959 |
| Net interest margin | 2.7132% | 7,476 |
| Noninterest income to average assets | 0.3536% | 5,901 |
| Noninterest expense to average assets | 1.5012% | 8,037 |
| Loan and lease loss provision to assets | 0.0974% | 6,140 |
| Net operating income to assets | 1.2605% | 1,602 |
| Return on assets (ROA) | 1.1831% | 1,763 |
| Pretax return on assets | 1.1831% | 2,709 |
| Return on Equity (ROE) | 13.9223% | 1,124 |
| Retained earnings to average equity (ytd only) | 0.1726% | 5,128 |
| Net charge-offs to loans | 0.0439% | 6,157 |
| Credit loss provision to net charge-offs | 300.1876% | 1,502 |
| Earnings coverage of net charge-offs (x) | 41.8630% | 881 |
| Efficiency ratio | 51.7677% | 7,514 |
| Assets per employee ($millions) | 6.2276% | 1,017 |
| Cash dividends to net income (ytd only)* | 98.7604% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 7,329 |
| Loan loss allowance to noncurrent loans | 133.0970% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 4,989 |
| Noncurrent loans to loans | 0.5559% | 5,696 |
| Net loans and leases to total assets | 70.3960% | 3,926 |
| Net loans and leases to deposits | 95.7455% | 2,480 |
| Net loans and leases to core deposits | 125.6430% | 2,189 |
| Total domestic deposits to total assets | 73.5241% | 6,735 |
| Equity capital to assets | 8.8480% | 5,569 |
| Core capital (leverage) ratio | 7.9946% | 6,502 |
| Tier 1 risk-based capital ratio | 10.1618% | 6,563 |
| Total risk-based capital ratio | 10.8574% | 7,093 |
| Memoranda: | ||
| Average total assets | $1,643,248,200 | 429 |
| Average earning assets | $1,517,419,000 | 422 |
| Average equity | $139,639,400 | 501 |
| Average total loans | $1,214,138,800 | 422 |