Home > Ocean Bank > Performance and Condition Ratios
Ocean Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5020% | 1,014 |
| Cost of funding earning assets | 1.6276% | 1,323 |
| Net interest margin | 3.8745% | 1,455 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.5363% | 2,121 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0999% | 2,055 |
| Return on assets (ROA) | 1.0991% | 2,043 |
| Pretax return on assets | 1.4679% | 1,639 |
| Return on Equity (ROE) | 11.8300% | 2,170 |
| Retained earnings to average equity (ytd only) | 11.8301% | 1,003 |
| Net charge-offs to loans | 0.1920% | 459 |
| Credit loss provision to net charge-offs | 62.8212% | 1,844 |
| Earnings coverage of net charge-offs (x) | 9.9713% | 2,145 |
| Efficiency ratio | 62.1007% | 2,702 |
| Assets per employee ($millions) | 9.4238% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,533 |
| Loan loss allowance to noncurrent loans | 995.0939% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,822 |
| Noncurrent loans to loans | 0.1386% | 2,860 |
| Net loans and leases to total assets | 79.9400% | 655 |
| Net loans and leases to deposits | 91.7964% | 1,070 |
| Net loans and leases to core deposits | 107.1502% | 969 |
| Total domestic deposits to total assets | 87.0800% | 1,868 |
| Equity capital to assets | 9.5916% | 2,047 |
| Core capital (leverage) ratio | 10.1368% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1055% | 2,232 |
| Memoranda: | ||
| Average total assets | $6,021,697,750 | 246 |
| Average earning assets | $5,674,191,750 | 238 |
| Average equity | $559,464,500 | 245 |
| Average total loans | $4,863,732,000 | 207 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 1,025 |
| Cost of funding earning assets | 1.4113% | 1,413 |
| Net interest margin | 3.9319% | 1,363 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5677% | 2,008 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.0902% | 2,149 |
| Return on assets (ROA) | 1.0903% | 2,142 |
| Pretax return on assets | 1.4565% | 1,686 |
| Return on Equity (ROE) | 11.8700% | 2,191 |
| Retained earnings to average equity (ytd only) | 11.8661% | 1,009 |
| Net charge-offs to loans | 0.2510% | 331 |
| Credit loss provision to net charge-offs | 72.5354% | 1,582 |
| Earnings coverage of net charge-offs (x) | 7.7677% | 2,075 |
| Efficiency ratio | 61.9783% | 2,717 |
| Assets per employee ($millions) | 9.0833% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,502 |
| Loan loss allowance to noncurrent loans | 2,902.8488% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,384 |
| Noncurrent loans to loans | 0.0485% | 3,365 |
| Net loans and leases to total assets | 79.9600% | 629 |
| Net loans and leases to deposits | 94.6449% | 807 |
| Net loans and leases to core deposits | 110.9529% | 789 |
| Total domestic deposits to total assets | 84.4800% | 2,701 |
| Equity capital to assets | 9.3503% | 2,265 |
| Core capital (leverage) ratio | 10.0364% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7786% | 2,379 |
| Memoranda: | ||
| Average total assets | $5,990,247,000 | 242 |
| Average earning assets | $5,644,709,333 | 234 |
| Average equity | $550,409,333 | 245 |
| Average total loans | $4,832,509,667 | 201 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 1,024 |
| Cost of funding earning assets | 1.1767% | 1,515 |
| Net interest margin | 3.9702% | 1,327 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5126% | 2,213 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2154% | 1,894 |
| Return on assets (ROA) | 1.2168% | 1,850 |
| Pretax return on assets | 1.6136% | 1,429 |
| Return on Equity (ROE) | 13.3600% | 1,909 |
| Retained earnings to average equity (ytd only) | 13.3624% | 1,034 |
| Net charge-offs to loans | 0.0055% | 1,764 |
| Credit loss provision to net charge-offs | 757.5758% | 423 |
| Earnings coverage of net charge-offs (x) | 370.9697% | 302 |
| Efficiency ratio | 60.3947% | 2,909 |
| Assets per employee ($millions) | 9.2237% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,290 |
| Loan loss allowance to noncurrent loans | 2,471.1319% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,304 |
| Noncurrent loans to loans | 0.0604% | 3,303 |
| Net loans and leases to total assets | 78.7100% | 685 |
| Net loans and leases to deposits | 93.7388% | 803 |
| Net loans and leases to core deposits | 108.6439% | 742 |
| Total domestic deposits to total assets | 83.9700% | 3,102 |
| Equity capital to assets | 9.2460% | 2,317 |
| Core capital (leverage) ratio | 9.9096% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7088% | 2,492 |
| Memoranda: | ||
| Average total assets | $5,951,538,500 | 249 |
| Average earning assets | $5,610,101,500 | 241 |
| Average equity | $541,940,500 | 252 |
| Average total loans | $4,788,312,000 | 208 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 1,476 |
| Cost of funding earning assets | 0.2811% | 3,033 |
| Net interest margin | 3.8208% | 1,118 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6393% | 1,704 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0145% | 2,513 |
| Return on assets (ROA) | 1.0122% | 2,471 |
| Pretax return on assets | 1.3529% | 1,927 |
| Return on Equity (ROE) | 10.4600% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.4660% | 2,044 |
| Net charge-offs to loans | -0.0386% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.4172% | 2,447 |
| Assets per employee ($millions) | 9.0750% | 895 |
| Cash dividends to net income (ytd only)* | 28.6538% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,259 |
| Loan loss allowance to noncurrent loans | 1,682.2428% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,077 |
| Noncurrent loans to loans | 0.0880% | 3,128 |
| Net loans and leases to total assets | 79.8100% | 616 |
| Net loans and leases to deposits | 98.5606% | 499 |
| Net loans and leases to core deposits | 111.4085% | 564 |
| Total domestic deposits to total assets | 80.9800% | 3,759 |
| Equity capital to assets | 8.9641% | 2,378 |
| Core capital (leverage) ratio | 9.7967% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2415% | 2,663 |
| Memoranda: | ||
| Average total assets | $5,516,368,800 | 257 |
| Average earning assets | $5,227,250,200 | 247 |
| Average equity | $533,602,600 | 257 |
| Average total loans | $4,261,184,200 | 220 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 1,709 |
| Cost of funding earning assets | 0.1373% | 3,964 |
| Net interest margin | 3.6783% | 1,194 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.5468% | 1,877 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0436% | 2,307 |
| Return on assets (ROA) | 1.0407% | 2,283 |
| Pretax return on assets | 1.3627% | 1,843 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 10.5473% | 1,181 |
| Net charge-offs to loans | -0.0545% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.2489% | 2,652 |
| Assets per employee ($millions) | 8.5562% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,112 |
| Loan loss allowance to noncurrent loans | 2,201.8559% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,251 |
| Noncurrent loans to loans | 0.0715% | 3,364 |
| Net loans and leases to total assets | 78.5400% | 659 |
| Net loans and leases to deposits | 92.6813% | 724 |
| Net loans and leases to core deposits | 102.1614% | 736 |
| Total domestic deposits to total assets | 84.7400% | 3,346 |
| Equity capital to assets | 9.5501% | 1,850 |
| Core capital (leverage) ratio | 10.2910% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1130% | 2,422 |
| Memoranda: | ||
| Average total assets | $5,416,234,750 | 261 |
| Average earning assets | $5,140,160,500 | 250 |
| Average equity | $534,403,750 | 258 |
| Average total loans | $4,128,150,750 | 223 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 2,104 |
| Cost of funding earning assets | 0.1061% | 4,126 |
| Net interest margin | 3.4057% | 1,584 |
| Noninterest income to average assets | 0.5526% | 1,935 |
| Noninterest expense to average assets | 2.5305% | 1,833 |
| Loan and lease loss provision to assets | 0.0373% | 1,919 |
| Net operating income to assets | 0.9382% | 2,410 |
| Return on assets (ROA) | 0.9344% | 2,405 |
| Pretax return on assets | 1.2130% | 2,034 |
| Return on Equity (ROE) | 9.3666% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.3666% | 1,184 |
| Net charge-offs to loans | -0.0689% | 4,347 |
| Credit loss provision to net charge-offs | -72.1501% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7175% | 2,410 |
| Assets per employee ($millions) | 8.3888% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,158 |
| Loan loss allowance to noncurrent loans | 1,109.0195% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,882 |
| Noncurrent loans to loans | 0.1441% | 2,980 |
| Net loans and leases to total assets | 75.7000% | 758 |
| Net loans and leases to deposits | 84.6321% | 1,076 |
| Net loans and leases to core deposits | 92.2613% | 1,005 |
| Total domestic deposits to total assets | 89.4460% | 1,976 |
| Equity capital to assets | 9.8508% | 1,800 |
| Core capital (leverage) ratio | 10.2976% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5827% | 2,260 |
| Memoranda: | ||
| Average total assets | $5,364,947,667 | 260 |
| Average earning assets | $5,092,746,333 | 251 |
| Average equity | $535,221,333 | 255 |
| Average total loans | $4,022,637,667 | 222 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 2,363 |
| Cost of funding earning assets | 0.1102% | 4,009 |
| Net interest margin | 3.1983% | 1,886 |
| Noninterest income to average assets | 0.5033% | 2,123 |
| Noninterest expense to average assets | 2.4703% | 1,960 |
| Loan and lease loss provision to assets | -0.0748% | 4,559 |
| Net operating income to assets | 0.8707% | 2,412 |
| Return on assets (ROA) | 0.8662% | 2,423 |
| Pretax return on assets | 1.1408% | 2,013 |
| Return on Equity (ROE) | 8.6276% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.6276% | 1,391 |
| Net charge-offs to loans | -0.1163% | 4,494 |
| Credit loss provision to net charge-offs | 86.9565% | 1,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6056% | 2,287 |
| Assets per employee ($millions) | 8.3209% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,056.4960% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,977 |
| Noncurrent loans to loans | 0.1543% | 3,032 |
| Net loans and leases to total assets | 72.1443% | 819 |
| Net loans and leases to deposits | 80.6809% | 1,095 |
| Net loans and leases to core deposits | 88.2006% | 1,010 |
| Total domestic deposits to total assets | 89.4193% | 1,858 |
| Equity capital to assets | 9.9306% | 1,948 |
| Core capital (leverage) ratio | 10.2952% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0259% | 2,193 |
| Memoranda: | ||
| Average total assets | $5,346,213,500 | 264 |
| Average earning assets | $5,079,434,000 | 255 |
| Average equity | $536,742,500 | 260 |
| Average total loans | $3,955,943,000 | 224 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 2,167 |
| Cost of funding earning assets | 0.1464% | 4,013 |
| Net interest margin | 3.5369% | 1,633 |
| Noninterest income to average assets | 0.4882% | 2,636 |
| Noninterest expense to average assets | 2.6046% | 1,856 |
| Loan and lease loss provision to assets | -0.0205% | 4,227 |
| Net operating income to assets | 0.9455% | 2,883 |
| Return on assets (ROA) | 0.9514% | 2,937 |
| Pretax return on assets | 1.2524% | 2,514 |
| Return on Equity (ROE) | 8.6927% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.6962% | 2,479 |
| Net charge-offs to loans | -0.0634% | 4,428 |
| Credit loss provision to net charge-offs | 41.2712% | 2,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8711% | 2,000 |
| Assets per employee ($millions) | 8.1804% | 1,228 |
| Cash dividends to net income (ytd only)* | 34.4709% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,235 |
| Loan loss allowance to noncurrent loans | 1,510.4059% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,289 |
| Noncurrent loans to loans | 0.1066% | 3,394 |
| Net loans and leases to total assets | 73.4538% | 712 |
| Net loans and leases to deposits | 82.5930% | 1,012 |
| Net loans and leases to core deposits | 90.8184% | 934 |
| Total domestic deposits to total assets | 88.9347% | 1,544 |
| Equity capital to assets | 10.1496% | 2,517 |
| Core capital (leverage) ratio | 10.5057% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1002% | 2,199 |
| Memoranda: | ||
| Average total assets | $4,878,755,000 | 274 |
| Average earning assets | $4,608,494,000 | 267 |
| Average equity | $533,967,800 | 263 |
| Average total loans | $3,823,983,000 | 227 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 2,166 |
| Cost of funding earning assets | 0.1585% | 4,029 |
| Net interest margin | 3.5841% | 1,638 |
| Noninterest income to average assets | 0.4927% | 2,655 |
| Noninterest expense to average assets | 2.6031% | 1,825 |
| Loan and lease loss provision to assets | -0.0280% | 4,384 |
| Net operating income to assets | 1.0034% | 2,892 |
| Return on assets (ROA) | 1.0119% | 2,927 |
| Pretax return on assets | 1.3066% | 2,609 |
| Return on Equity (ROE) | 9.0613% | 3,091 |
| Retained earnings to average equity (ytd only) | 9.0613% | 1,669 |
| Net charge-offs to loans | -0.0520% | 4,375 |
| Credit loss provision to net charge-offs | 67.7507% | 1,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0910% | 1,959 |
| Assets per employee ($millions) | 7.8151% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,522.9172% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,507 |
| Noncurrent loans to loans | 0.1087% | 3,550 |
| Net loans and leases to total assets | 74.5472% | 649 |
| Net loans and leases to deposits | 84.3524% | 941 |
| Net loans and leases to core deposits | 95.7975% | 755 |
| Total domestic deposits to total assets | 88.3760% | 1,631 |
| Equity capital to assets | 10.9367% | 2,063 |
| Core capital (leverage) ratio | 10.9432% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7399% | 2,072 |
| Memoranda: | ||
| Average total assets | $4,767,089,000 | 278 |
| Average earning assets | $4,493,499,000 | 270 |
| Average equity | $532,332,250 | 264 |
| Average total loans | $3,786,045,000 | 229 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 2,028 |
| Cost of funding earning assets | 0.1757% | 3,986 |
| Net interest margin | 3.6392% | 1,496 |
| Noninterest income to average assets | 0.5188% | 2,535 |
| Noninterest expense to average assets | 2.5830% | 1,904 |
| Loan and lease loss provision to assets | -0.0427% | 4,499 |
| Net operating income to assets | 1.0765% | 2,619 |
| Return on assets (ROA) | 1.0897% | 2,650 |
| Pretax return on assets | 1.4185% | 2,274 |
| Return on Equity (ROE) | 9.6870% | 2,877 |
| Retained earnings to average equity (ytd only) | 9.6870% | 1,500 |
| Net charge-offs to loans | -0.1395% | 4,712 |
| Credit loss provision to net charge-offs | 37.9507% | 1,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3718% | 2,242 |
| Assets per employee ($millions) | 7.4407% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 1,110 |
| Loan loss allowance to noncurrent loans | 672.9854% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 2,892 |
| Noncurrent loans to loans | 0.2492% | 3,053 |
| Net loans and leases to total assets | 78.3193% | 422 |
| Net loans and leases to deposits | 88.8766% | 722 |
| Net loans and leases to core deposits | 101.4025% | 612 |
| Total domestic deposits to total assets | 88.1214% | 1,761 |
| Equity capital to assets | 11.2241% | 1,818 |
| Core capital (leverage) ratio | 11.2029% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7340% | 2,078 |
| Memoranda: | ||
| Average total assets | $4,681,081,000 | 277 |
| Average earning assets | $4,403,245,667 | 272 |
| Average equity | $526,582,667 | 263 |
| Average total loans | $3,778,344,667 | 233 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 2,109 |
| Cost of funding earning assets | 0.1872% | 4,027 |
| Net interest margin | 3.6092% | 1,559 |
| Noninterest income to average assets | 0.4708% | 2,749 |
| Noninterest expense to average assets | 2.6295% | 1,803 |
| Loan and lease loss provision to assets | -0.0866% | 4,704 |
| Net operating income to assets | 1.0035% | 2,798 |
| Return on assets (ROA) | 1.0013% | 2,894 |
| Pretax return on assets | 1.3117% | 2,534 |
| Return on Equity (ROE) | 8.8910% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.8910% | 1,981 |
| Net charge-offs to loans | -0.1659% | 4,757 |
| Credit loss provision to net charge-offs | 64.2261% | 1,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0079% | 1,932 |
| Assets per employee ($millions) | 7.1710% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 1,069 |
| Loan loss allowance to noncurrent loans | 310.6307% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 1,752 |
| Noncurrent loans to loans | 0.5439% | 2,228 |
| Net loans and leases to total assets | 78.1122% | 462 |
| Net loans and leases to deposits | 89.1506% | 754 |
| Net loans and leases to core deposits | 103.8884% | 576 |
| Total domestic deposits to total assets | 87.6182% | 2,036 |
| Equity capital to assets | 11.1417% | 1,760 |
| Core capital (leverage) ratio | 11.1964% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5078% | 2,083 |
| Memoranda: | ||
| Average total assets | $4,618,286,000 | 278 |
| Average earning assets | $4,333,344,000 | 274 |
| Average equity | $520,121,000 | 264 |
| Average total loans | $3,753,130,500 | 233 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 2,902 |
| Cost of funding earning assets | 0.3801% | 3,708 |
| Net interest margin | 3.5604% | 2,278 |
| Noninterest income to average assets | 0.7071% | 1,844 |
| Noninterest expense to average assets | 2.7168% | 2,187 |
| Loan and lease loss provision to assets | 0.3847% | 837 |
| Net operating income to assets | 0.7065% | 3,412 |
| Return on assets (ROA) | 0.7200% | 3,497 |
| Pretax return on assets | 0.9568% | 3,192 |
| Return on Equity (ROE) | 6.4354% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.0309% | 1,781 |
| Net charge-offs to loans | 0.0746% | 1,738 |
| Credit loss provision to net charge-offs | 638.1381% | 1,063 |
| Earnings coverage of net charge-offs (x) | 21.9685% | 1,874 |
| Efficiency ratio | 67.0693% | 2,354 |
| Assets per employee ($millions) | 6.9409% | 1,623 |
| Cash dividends to net income (ytd only)* | 6.2863% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,134 |
| Loan loss allowance to noncurrent loans | 304.0122% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 1,946 |
| Noncurrent loans to loans | 0.5463% | 2,342 |
| Net loans and leases to total assets | 81.7668% | 313 |
| Net loans and leases to deposits | 94.3707% | 640 |
| Net loans and leases to core deposits | 111.5295% | 470 |
| Total domestic deposits to total assets | 86.6443% | 2,097 |
| Equity capital to assets | 11.3873% | 1,965 |
| Core capital (leverage) ratio | 10.8944% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3522% | 2,104 |
| Memoranda: | ||
| Average total assets | $4,418,801,600 | 266 |
| Average earning assets | $4,138,040,000 | 261 |
| Average equity | $494,373,000 | 261 |
| Average total loans | $3,570,179,000 | 240 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,060 |
| Cost of funding earning assets | 0.4343% | 3,614 |
| Net interest margin | 3.5358% | 2,472 |
| Noninterest income to average assets | 0.4450% | 2,868 |
| Noninterest expense to average assets | 2.7009% | 2,248 |
| Loan and lease loss provision to assets | 0.3644% | 1,021 |
| Net operating income to assets | 0.5887% | 3,801 |
| Return on assets (ROA) | 0.6083% | 3,835 |
| Pretax return on assets | 0.7142% | 3,872 |
| Return on Equity (ROE) | 5.4623% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.4623% | 2,344 |
| Net charge-offs to loans | 0.1359% | 1,065 |
| Credit loss provision to net charge-offs | 334.4482% | 1,651 |
| Earnings coverage of net charge-offs (x) | 9.6876% | 2,411 |
| Efficiency ratio | 71.7280% | 1,674 |
| Assets per employee ($millions) | 6.9825% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,344 |
| Loan loss allowance to noncurrent loans | 230.2011% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 1,864 |
| Noncurrent loans to loans | 0.6576% | 2,147 |
| Net loans and leases to total assets | 80.2314% | 594 |
| Net loans and leases to deposits | 94.4195% | 895 |
| Net loans and leases to core deposits | 111.6659% | 637 |
| Total domestic deposits to total assets | 84.9733% | 2,447 |
| Equity capital to assets | 10.9786% | 2,410 |
| Core capital (leverage) ratio | 10.6541% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0863% | 2,157 |
| Memoranda: | ||
| Average total assets | $4,390,403,250 | 264 |
| Average earning assets | $4,111,817,750 | 257 |
| Average equity | $488,936,750 | 261 |
| Average total loans | $3,520,578,250 | 240 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 3,118 |
| Cost of funding earning assets | 0.5318% | 3,335 |
| Net interest margin | 3.5400% | 2,674 |
| Noninterest income to average assets | 0.4517% | 2,800 |
| Noninterest expense to average assets | 2.8161% | 2,060 |
| Loan and lease loss provision to assets | 0.4164% | 950 |
| Net operating income to assets | 0.4092% | 4,216 |
| Return on assets (ROA) | 0.4267% | 4,239 |
| Pretax return on assets | 0.5580% | 4,141 |
| Return on Equity (ROE) | 3.8125% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.8125% | 3,006 |
| Net charge-offs to loans | 0.0761% | 1,489 |
| Credit loss provision to net charge-offs | 685.9756% | 1,015 |
| Earnings coverage of net charge-offs (x) | 15.6852% | 1,896 |
| Efficiency ratio | 74.5583% | 1,410 |
| Assets per employee ($millions) | 6.9487% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,214 |
| Loan loss allowance to noncurrent loans | 193.4636% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 1,640 |
| Noncurrent loans to loans | 0.7842% | 1,933 |
| Net loans and leases to total assets | 79.4219% | 668 |
| Net loans and leases to deposits | 95.0833% | 866 |
| Net loans and leases to core deposits | 113.7183% | 608 |
| Total domestic deposits to total assets | 83.5288% | 2,914 |
| Equity capital to assets | 10.7676% | 2,516 |
| Core capital (leverage) ratio | 10.7473% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1434% | 2,118 |
| Memoranda: | ||
| Average total assets | $4,322,366,333 | 264 |
| Average earning assets | $4,049,754,000 | 258 |
| Average equity | $483,778,333 | 263 |
| Average total loans | $3,446,468,667 | 242 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 2,588 |
| Cost of funding earning assets | 0.7372% | 2,742 |
| Net interest margin | 3.6712% | 2,430 |
| Noninterest income to average assets | 0.5173% | 2,461 |
| Noninterest expense to average assets | 2.9247% | 2,059 |
| Loan and lease loss provision to assets | 0.2859% | 1,088 |
| Net operating income to assets | 0.5645% | 3,696 |
| Return on assets (ROA) | 0.5776% | 3,729 |
| Pretax return on assets | 0.7606% | 3,519 |
| Return on Equity (ROE) | 5.0560% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.0560% | 2,251 |
| Net charge-offs to loans | 0.1133% | 1,024 |
| Credit loss provision to net charge-offs | 318.4713% | 1,131 |
| Earnings coverage of net charge-offs (x) | 11.4724% | 1,732 |
| Efficiency ratio | 73.7891% | 1,849 |
| Assets per employee ($millions) | 6.2016% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,313 |
| Loan loss allowance to noncurrent loans | 551.5238% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 2,844 |
| Noncurrent loans to loans | 0.2734% | 3,515 |
| Net loans and leases to total assets | 80.5216% | 633 |
| Net loans and leases to deposits | 96.1943% | 890 |
| Net loans and leases to core deposits | 114.7178% | 637 |
| Total domestic deposits to total assets | 83.7073% | 2,880 |
| Equity capital to assets | 11.8138% | 2,206 |
| Core capital (leverage) ratio | 11.2197% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4428% | 2,098 |
| Memoranda: | ||
| Average total assets | $4,197,422,000 | 265 |
| Average earning assets | $3,930,005,500 | 260 |
| Average equity | $479,505,500 | 268 |
| Average total loans | $3,326,046,500 | 241 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 2,252 |
| Cost of funding earning assets | 0.9816% | 1,807 |
| Net interest margin | 3.7455% | 2,674 |
| Noninterest income to average assets | 0.5539% | 2,450 |
| Noninterest expense to average assets | 2.9412% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8221% | 3,477 |
| Return on assets (ROA) | 0.8310% | 3,543 |
| Pretax return on assets | 1.1317% | 3,072 |
| Return on Equity (ROE) | 7.3968% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.9963% | 2,965 |
| Net charge-offs to loans | -0.0983% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2333% | 1,838 |
| Assets per employee ($millions) | 6.5565% | 1,253 |
| Cash dividends to net income (ytd only)* | 45.9730% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,350 |
| Loan loss allowance to noncurrent loans | 498.8834% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 2,820 |
| Noncurrent loans to loans | 0.2917% | 3,385 |
| Net loans and leases to total assets | 75.7435% | 1,455 |
| Net loans and leases to deposits | 88.8449% | 1,724 |
| Net loans and leases to core deposits | 109.1490% | 902 |
| Total domestic deposits to total assets | 85.2537% | 2,395 |
| Equity capital to assets | 11.0550% | 2,941 |
| Core capital (leverage) ratio | 10.7507% | 2,718 |
| Tier 1 risk-based capital ratio | 13.1199% | 3,732 |
| Total risk-based capital ratio | 14.3729% | 3,613 |
| Memoranda: | ||
| Average total assets | $4,187,925,200 | 258 |
| Average earning assets | $3,921,936,000 | 251 |
| Average equity | $470,516,000 | 257 |
| Average total loans | $3,223,776,200 | 239 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 2,128 |
| Cost of funding earning assets | 0.9861% | 1,822 |
| Net interest margin | 3.8100% | 2,560 |
| Noninterest income to average assets | 0.5747% | 2,332 |
| Noninterest expense to average assets | 3.0084% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8133% | 3,633 |
| Return on assets (ROA) | 0.8133% | 3,715 |
| Pretax return on assets | 1.1321% | 3,198 |
| Return on Equity (ROE) | 7.2091% | 3,608 |
| Retained earnings to average equity (ytd only) | 7.2091% | 1,755 |
| Net charge-offs to loans | -0.0751% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4724% | 1,767 |
| Assets per employee ($millions) | 6.6452% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,448 |
| Loan loss allowance to noncurrent loans | 359.7606% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 2,780 |
| Noncurrent loans to loans | 0.3984% | 3,117 |
| Net loans and leases to total assets | 74.8847% | 1,668 |
| Net loans and leases to deposits | 87.7190% | 1,973 |
| Net loans and leases to core deposits | 110.0628% | 948 |
| Total domestic deposits to total assets | 85.3688% | 2,264 |
| Equity capital to assets | 11.2664% | 2,866 |
| Core capital (leverage) ratio | 10.8443% | 2,793 |
| Tier 1 risk-based capital ratio | 13.2061% | 3,736 |
| Total risk-based capital ratio | 14.4586% | 3,643 |
| Memoranda: | ||
| Average total assets | $4,156,365,750 | 261 |
| Average earning assets | $3,890,017,750 | 255 |
| Average equity | $468,912,750 | 258 |
| Average total loans | $3,200,732,250 | 245 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 1,996 |
| Cost of funding earning assets | 0.9427% | 1,952 |
| Net interest margin | 3.8780% | 2,313 |
| Noninterest income to average assets | 0.5939% | 2,180 |
| Noninterest expense to average assets | 3.0312% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8796% | 3,361 |
| Return on assets (ROA) | 0.8796% | 3,428 |
| Pretax return on assets | 1.1870% | 2,950 |
| Return on Equity (ROE) | 7.7932% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.7932% | 1,475 |
| Net charge-offs to loans | -0.1678% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6658% | 1,971 |
| Assets per employee ($millions) | 6.7119% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,293 |
| Loan loss allowance to noncurrent loans | 611.7617% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,253 |
| Noncurrent loans to loans | 0.2443% | 3,660 |
| Net loans and leases to total assets | 73.0232% | 2,053 |
| Net loans and leases to deposits | 85.1854% | 2,350 |
| Net loans and leases to core deposits | 107.5482% | 1,132 |
| Total domestic deposits to total assets | 85.7227% | 2,170 |
| Equity capital to assets | 11.0439% | 3,002 |
| Core capital (leverage) ratio | 10.7310% | 2,862 |
| Tier 1 risk-based capital ratio | 13.2181% | 3,726 |
| Total risk-based capital ratio | 14.4711% | 3,633 |
| Memoranda: | ||
| Average total assets | $4,106,465,000 | 264 |
| Average earning assets | $3,837,803,330 | 259 |
| Average equity | $463,504,670 | 261 |
| Average total loans | $3,177,153,000 | 247 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 1,819 |
| Cost of funding earning assets | 0.8451% | 2,294 |
| Net interest margin | 3.9856% | 1,888 |
| Noninterest income to average assets | 0.6147% | 1,975 |
| Noninterest expense to average assets | 2.9936% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0018% | 2,831 |
| Return on assets (ROA) | 1.0018% | 2,873 |
| Pretax return on assets | 1.3370% | 2,300 |
| Return on Equity (ROE) | 8.7738% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.7738% | 1,394 |
| Net charge-offs to loans | -0.2654% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9336% | 2,510 |
| Assets per employee ($millions) | 5.9155% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 1,371 |
| Loan loss allowance to noncurrent loans | 569.7175% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,202 |
| Noncurrent loans to loans | 0.2613% | 3,626 |
| Net loans and leases to total assets | 75.5251% | 1,555 |
| Net loans and leases to deposits | 88.2758% | 1,840 |
| Net loans and leases to core deposits | 109.9174% | 930 |
| Total domestic deposits to total assets | 85.5559% | 2,461 |
| Equity capital to assets | 11.2041% | 2,647 |
| Core capital (leverage) ratio | 11.0927% | 2,488 |
| Tier 1 risk-based capital ratio | 13.2140% | 3,765 |
| Total risk-based capital ratio | 14.4673% | 3,667 |
| Memoranda: | ||
| Average total assets | $4,005,184,000 | 270 |
| Average earning assets | $3,734,185,000 | 262 |
| Average equity | $457,314,000 | 264 |
| Average total loans | $3,168,560,000 | 248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,708 |
| Cost of funding earning assets | 0.5559% | 3,011 |
| Net interest margin | 4.1839% | 1,436 |
| Noninterest income to average assets | 0.6651% | 1,987 |
| Noninterest expense to average assets | 3.1326% | 1,721 |
| Loan and lease loss provision to assets | 0.0660% | 2,834 |
| Net operating income to assets | 1.0248% | 2,907 |
| Return on assets (ROA) | 0.9950% | 3,021 |
| Pretax return on assets | 1.3205% | 2,433 |
| Return on Equity (ROE) | 8.5001% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.0184% | 2,184 |
| Net charge-offs to loans | -0.0234% | 4,738 |
| Credit loss provision to net charge-offs | -350.1401% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5503% | 2,459 |
| Assets per employee ($millions) | 5.4815% | 1,972 |
| Cash dividends to net income (ytd only)* | 29.1955% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,549 |
| Loan loss allowance to noncurrent loans | 498.0336% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 2,984 |
| Noncurrent loans to loans | 0.2858% | 3,542 |
| Net loans and leases to total assets | 80.5572% | 858 |
| Net loans and leases to deposits | 93.8408% | 1,303 |
| Net loans and leases to core deposits | 115.1939% | 726 |
| Total domestic deposits to total assets | 85.8445% | 2,303 |
| Equity capital to assets | 11.6464% | 2,141 |
| Core capital (leverage) ratio | 11.1304% | 2,414 |
| Tier 1 risk-based capital ratio | 12.9571% | 3,872 |
| Total risk-based capital ratio | 14.2099% | 3,757 |
| Memoranda: | ||
| Average total assets | $3,786,499,600 | 274 |
| Average earning assets | $3,522,083,800 | 270 |
| Average equity | $443,255,400 | 266 |
| Average total loans | $3,054,757,400 | 252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,696 |
| Cost of funding earning assets | 0.5040% | 3,173 |
| Net interest margin | 4.1902% | 1,381 |
| Noninterest income to average assets | 0.7917% | 1,502 |
| Noninterest expense to average assets | 3.0841% | 1,803 |
| Loan and lease loss provision to assets | 0.0885% | 2,203 |
| Net operating income to assets | 1.1426% | 2,470 |
| Return on assets (ROA) | 1.1278% | 2,547 |
| Pretax return on assets | 1.4969% | 1,908 |
| Return on Equity (ROE) | 9.6216% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.6216% | 1,021 |
| Net charge-offs to loans | 0.0159% | 2,862 |
| Credit loss provision to net charge-offs | 694.4444% | 531 |
| Earnings coverage of net charge-offs (x) | 125.8022% | 636 |
| Efficiency ratio | 65.5936% | 2,941 |
| Assets per employee ($millions) | 5.4502% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,537 |
| Loan loss allowance to noncurrent loans | 302.8351% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,303 |
| Noncurrent loans to loans | 0.4774% | 2,956 |
| Net loans and leases to total assets | 78.4144% | 1,272 |
| Net loans and leases to deposits | 90.9790% | 1,762 |
| Net loans and leases to core deposits | 109.3288% | 1,078 |
| Total domestic deposits to total assets | 86.1896% | 2,103 |
| Equity capital to assets | 11.8734% | 1,987 |
| Core capital (leverage) ratio | 11.4210% | 2,231 |
| Tier 1 risk-based capital ratio | 13.3637% | 3,699 |
| Total risk-based capital ratio | 14.6165% | 3,625 |
| Memoranda: | ||
| Average total assets | $3,764,267,750 | 274 |
| Average earning assets | $3,500,436,750 | 268 |
| Average equity | $441,232,500 | 265 |
| Average total loans | $3,026,692,500 | 253 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 1,510 |
| Cost of funding earning assets | 0.4682% | 3,237 |
| Net interest margin | 4.2331% | 1,206 |
| Noninterest income to average assets | 0.8852% | 1,224 |
| Noninterest expense to average assets | 3.1298% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2745% | 1,880 |
| Return on assets (ROA) | 1.2500% | 1,981 |
| Pretax return on assets | 1.6601% | 1,316 |
| Return on Equity (ROE) | 10.7114% | 2,228 |
| Retained earnings to average equity (ytd only) | 10.7114% | 733 |
| Net charge-offs to loans | -0.1319% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7344% | 3,204 |
| Assets per employee ($millions) | 5.3443% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,489 |
| Loan loss allowance to noncurrent loans | 341.4027% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,398 |
| Noncurrent loans to loans | 0.4304% | 3,155 |
| Net loans and leases to total assets | 78.0677% | 1,300 |
| Net loans and leases to deposits | 90.6985% | 1,750 |
| Net loans and leases to core deposits | 107.0151% | 1,180 |
| Total domestic deposits to total assets | 86.0739% | 2,247 |
| Equity capital to assets | 11.8552% | 1,955 |
| Core capital (leverage) ratio | 11.3235% | 2,234 |
| Tier 1 risk-based capital ratio | 13.2233% | 3,779 |
| Total risk-based capital ratio | 14.4765% | 3,695 |
| Memoranda: | ||
| Average total assets | $3,743,676,670 | 271 |
| Average earning assets | $3,480,735,000 | 267 |
| Average equity | $436,882,330 | 264 |
| Average total loans | $3,020,864,330 | 251 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,769 |
| Cost of funding earning assets | 0.4602% | 3,130 |
| Net interest margin | 4.0716% | 1,512 |
| Noninterest income to average assets | 1.2462% | 600 |
| Noninterest expense to average assets | 3.1363% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4269% | 1,261 |
| Return on assets (ROA) | 1.4269% | 1,270 |
| Pretax return on assets | 1.8960% | 730 |
| Return on Equity (ROE) | 12.3263% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.3263% | 622 |
| Net charge-offs to loans | -0.0482% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1445% | 3,755 |
| Assets per employee ($millions) | 5.4236% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,923 |
| Loan loss allowance to noncurrent loans | 286.1382% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 2,293 |
| Noncurrent loans to loans | 0.4816% | 3,072 |
| Net loans and leases to total assets | 80.5299% | 864 |
| Net loans and leases to deposits | 93.8469% | 1,237 |
| Net loans and leases to core deposits | 110.5143% | 969 |
| Total domestic deposits to total assets | 85.8099% | 2,627 |
| Equity capital to assets | 11.6567% | 2,026 |
| Core capital (leverage) ratio | 11.0176% | 2,418 |
| Tier 1 risk-based capital ratio | 12.4179% | 4,295 |
| Total risk-based capital ratio | 13.6699% | 4,189 |
| Memoranda: | ||
| Average total assets | $3,731,657,500 | 272 |
| Average earning assets | $3,469,980,500 | 266 |
| Average equity | $431,988,500 | 269 |
| Average total loans | $3,038,682,000 | 251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,564 |
| Cost of funding earning assets | 0.4369% | 2,902 |
| Net interest margin | 4.1126% | 1,395 |
| Noninterest income to average assets | 0.5581% | 2,664 |
| Noninterest expense to average assets | 2.9048% | 2,440 |
| Loan and lease loss provision to assets | 0.0022% | 4,200 |
| Net operating income to assets | 0.3560% | 4,816 |
| Return on assets (ROA) | 0.3560% | 4,838 |
| Pretax return on assets | 1.4289% | 1,892 |
| Return on Equity (ROE) | 2.9777% | 4,833 |
| Retained earnings to average equity (ytd only) | 0.4515% | 4,858 |
| Net charge-offs to loans | -0.1788% | 5,504 |
| Credit loss provision to net charge-offs | -1.5198% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8000% | 3,111 |
| Assets per employee ($millions) | 5.2776% | 2,172 |
| Cash dividends to net income (ytd only)* | 84.8373% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,807 |
| Loan loss allowance to noncurrent loans | 307.4460% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,449 |
| Noncurrent loans to loans | 0.4520% | 3,158 |
| Net loans and leases to total assets | 80.0733% | 949 |
| Net loans and leases to deposits | 93.0522% | 1,383 |
| Net loans and leases to core deposits | 109.3654% | 1,044 |
| Total domestic deposits to total assets | 86.0520% | 2,409 |
| Equity capital to assets | 11.4950% | 2,208 |
| Core capital (leverage) ratio | 10.3957% | 2,970 |
| Tier 1 risk-based capital ratio | 12.1457% | 4,432 |
| Total risk-based capital ratio | 13.4007% | 4,326 |
| Memoranda: | ||
| Average total assets | $3,642,606,200 | 269 |
| Average earning assets | $3,346,140,800 | 265 |
| Average equity | $435,430,200 | 251 |
| Average total loans | $2,944,629,200 | 246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 1,599 |
| Cost of funding earning assets | 0.4224% | 2,963 |
| Net interest margin | 4.0944% | 1,407 |
| Noninterest income to average assets | 0.5543% | 2,706 |
| Noninterest expense to average assets | 2.8763% | 2,488 |
| Loan and lease loss provision to assets | 0.0029% | 4,049 |
| Net operating income to assets | 0.8926% | 3,067 |
| Return on assets (ROA) | 0.8926% | 3,121 |
| Pretax return on assets | 1.4264% | 2,031 |
| Return on Equity (ROE) | 7.3942% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.3942% | 1,494 |
| Net charge-offs to loans | -0.0898% | 5,346 |
| Credit loss provision to net charge-offs | -4.0589% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6129% | 3,104 |
| Assets per employee ($millions) | 5.4941% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,552 |
| Loan loss allowance to noncurrent loans | 190.6916% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 2,213 |
| Noncurrent loans to loans | 0.6632% | 2,714 |
| Net loans and leases to total assets | 78.6419% | 1,173 |
| Net loans and leases to deposits | 91.9964% | 1,566 |
| Net loans and leases to core deposits | 105.4816% | 1,305 |
| Total domestic deposits to total assets | 85.4836% | 2,522 |
| Equity capital to assets | 11.7569% | 2,149 |
| Core capital (leverage) ratio | 10.6708% | 2,797 |
| Tier 1 risk-based capital ratio | 12.0976% | 4,548 |
| Total risk-based capital ratio | 13.3521% | 4,439 |
| Memoranda: | ||
| Average total assets | $3,625,711,000 | 271 |
| Average earning assets | $3,321,932,000 | 266 |
| Average equity | $437,666,000 | 249 |
| Average total loans | $2,927,602,000 | 247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,375 |
| Cost of funding earning assets | 0.4033% | 3,038 |
| Net interest margin | 4.1525% | 1,197 |
| Noninterest income to average assets | 0.5752% | 2,581 |
| Noninterest expense to average assets | 2.9295% | 2,328 |
| Loan and lease loss provision to assets | 0.0045% | 3,815 |
| Net operating income to assets | 0.8940% | 2,940 |
| Return on assets (ROA) | 0.8940% | 3,000 |
| Pretax return on assets | 1.4309% | 1,896 |
| Return on Equity (ROE) | 7.3373% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.3373% | 1,431 |
| Net charge-offs to loans | -0.0820% | 5,350 |
| Credit loss provision to net charge-offs | -6.7568% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9380% | 3,192 |
| Assets per employee ($millions) | 5.3043% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,557 |
| Loan loss allowance to noncurrent loans | 235.2048% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,490 |
| Noncurrent loans to loans | 0.5411% | 3,128 |
| Net loans and leases to total assets | 78.9414% | 1,101 |
| Net loans and leases to deposits | 94.9599% | 1,181 |
| Net loans and leases to core deposits | 108.5964% | 1,075 |
| Total domestic deposits to total assets | 83.1312% | 3,526 |
| Equity capital to assets | 11.8981% | 2,004 |
| Core capital (leverage) ratio | 10.8402% | 2,561 |
| Tier 1 risk-based capital ratio | 12.0635% | 4,598 |
| Total risk-based capital ratio | 13.3188% | 4,464 |
| Memoranda: | ||
| Average total assets | $3,557,823,670 | 275 |
| Average earning assets | $3,246,992,000 | 271 |
| Average equity | $433,482,330 | 253 |
| Average total loans | $2,886,781,000 | 250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,346 |
| Cost of funding earning assets | 0.3925% | 3,076 |
| Net interest margin | 4.1176% | 1,178 |
| Noninterest income to average assets | 0.5708% | 2,554 |
| Noninterest expense to average assets | 2.9381% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8549% | 2,969 |
| Return on assets (ROA) | 0.8549% | 3,013 |
| Pretax return on assets | 1.3690% | 1,991 |
| Return on Equity (ROE) | 6.9298% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.9298% | 1,874 |
| Net charge-offs to loans | 0.0086% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 195.2623% | 289 |
| Efficiency ratio | 68.0205% | 3,193 |
| Assets per employee ($millions) | 5.0952% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,734 |
| Loan loss allowance to noncurrent loans | 334.3389% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 2,900 |
| Noncurrent loans to loans | 0.3779% | 3,742 |
| Net loans and leases to total assets | 79.8813% | 845 |
| Net loans and leases to deposits | 93.5520% | 1,158 |
| Net loans and leases to core deposits | 106.5981% | 1,061 |
| Total domestic deposits to total assets | 85.3871% | 2,929 |
| Equity capital to assets | 12.1427% | 1,744 |
| Core capital (leverage) ratio | 10.8428% | 2,551 |
| Tier 1 risk-based capital ratio | 11.9728% | 4,735 |
| Total risk-based capital ratio | 13.2286% | 4,630 |
| Memoranda: | ||
| Average total assets | $3,480,219,500 | 280 |
| Average earning assets | $3,157,976,000 | 275 |
| Average equity | $429,332,500 | 255 |
| Average total loans | $2,845,718,500 | 254 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 1,954 |
| Cost of funding earning assets | 0.3420% | 3,610 |
| Net interest margin | 4.0183% | 1,584 |
| Noninterest income to average assets | 0.6042% | 2,640 |
| Noninterest expense to average assets | 3.0987% | 2,042 |
| Loan and lease loss provision to assets | -0.0178% | 5,515 |
| Net operating income to assets | 0.7199% | 3,691 |
| Return on assets (ROA) | 0.7508% | 3,653 |
| Pretax return on assets | 1.2316% | 2,548 |
| Return on Equity (ROE) | 5.9964% | 3,984 |
| Retained earnings to average equity (ytd only) | 3.6277% | 3,342 |
| Net charge-offs to loans | -0.0714% | 5,484 |
| Credit loss provision to net charge-offs | 31.6623% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6675% | 2,481 |
| Assets per employee ($millions) | 4.9835% | 2,415 |
| Cash dividends to net income (ytd only)* | 39.5023% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,536 |
| Loan loss allowance to noncurrent loans | 350.2493% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,893 |
| Noncurrent loans to loans | 0.3716% | 3,791 |
| Net loans and leases to total assets | 81.6009% | 653 |
| Net loans and leases to deposits | 96.0309% | 990 |
| Net loans and leases to core deposits | 108.1643% | 1,013 |
| Total domestic deposits to total assets | 84.9736% | 3,061 |
| Equity capital to assets | 12.5399% | 1,500 |
| Core capital (leverage) ratio | 10.8212% | 2,515 |
| Tier 1 risk-based capital ratio | 11.8239% | 4,841 |
| Total risk-based capital ratio | 13.0857% | 4,733 |
| Memoranda: | ||
| Average total assets | $3,371,605,200 | 276 |
| Average earning assets | $3,070,891,200 | 278 |
| Average equity | $422,171,200 | 246 |
| Average total loans | $2,652,287,400 | 250 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,081 |
| Cost of funding earning assets | 0.3336% | 3,736 |
| Net interest margin | 3.9958% | 1,668 |
| Noninterest income to average assets | 0.6445% | 2,454 |
| Noninterest expense to average assets | 3.1741% | 1,839 |
| Loan and lease loss provision to assets | -0.0238% | 5,680 |
| Net operating income to assets | 0.6863% | 3,928 |
| Return on assets (ROA) | 0.7276% | 3,837 |
| Pretax return on assets | 1.1994% | 2,841 |
| Return on Equity (ROE) | 5.8130% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.8130% | 2,294 |
| Net charge-offs to loans | -0.0625% | 5,433 |
| Credit loss provision to net charge-offs | 48.9396% | 3,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0717% | 2,268 |
| Assets per employee ($millions) | 4.8822% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,575 |
| Loan loss allowance to noncurrent loans | 245.9359% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,727 |
| Noncurrent loans to loans | 0.5369% | 3,381 |
| Net loans and leases to total assets | 78.4033% | 1,130 |
| Net loans and leases to deposits | 91.4875% | 1,567 |
| Net loans and leases to core deposits | 101.9375% | 1,486 |
| Total domestic deposits to total assets | 85.6984% | 2,510 |
| Equity capital to assets | 12.6188% | 1,693 |
| Core capital (leverage) ratio | 10.7359% | 2,742 |
| Tier 1 risk-based capital ratio | 12.1925% | 4,681 |
| Total risk-based capital ratio | 13.4552% | 4,563 |
| Memoranda: | ||
| Average total assets | $3,366,065,000 | 272 |
| Average earning assets | $3,066,824,250 | 278 |
| Average equity | $421,320,250 | 248 |
| Average total loans | $2,613,892,000 | 251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,118 |
| Cost of funding earning assets | 0.3241% | 3,858 |
| Net interest margin | 3.9883% | 1,678 |
| Noninterest income to average assets | 0.6046% | 2,597 |
| Noninterest expense to average assets | 3.2602% | 1,669 |
| Loan and lease loss provision to assets | -0.0358% | 5,809 |
| Net operating income to assets | 0.5942% | 4,302 |
| Return on assets (ROA) | 0.5958% | 4,412 |
| Pretax return on assets | 1.0068% | 3,553 |
| Return on Equity (ROE) | 4.7736% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.7736% | 2,880 |
| Net charge-offs to loans | -0.0760% | 5,531 |
| Credit loss provision to net charge-offs | 61.2245% | 2,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0994% | 1,916 |
| Assets per employee ($millions) | 5.0275% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,651 |
| Loan loss allowance to noncurrent loans | 312.7163% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 1,850 |
| Noncurrent loans to loans | 0.4234% | 3,836 |
| Net loans and leases to total assets | 76.7246% | 1,379 |
| Net loans and leases to deposits | 91.7428% | 1,547 |
| Net loans and leases to core deposits | 101.8743% | 1,478 |
| Total domestic deposits to total assets | 83.6301% | 3,410 |
| Equity capital to assets | 12.2856% | 1,914 |
| Core capital (leverage) ratio | 10.7020% | 2,738 |
| Tier 1 risk-based capital ratio | 11.7010% | 5,031 |
| Total risk-based capital ratio | 12.9638% | 4,915 |
| Memoranda: | ||
| Average total assets | $3,348,908,330 | 273 |
| Average earning assets | $3,043,012,670 | 277 |
| Average equity | $418,010,000 | 249 |
| Average total loans | $2,580,084,330 | 254 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,007 |
| Cost of funding earning assets | 0.3247% | 3,904 |
| Net interest margin | 4.0123% | 1,577 |
| Noninterest income to average assets | 0.6097% | 2,466 |
| Noninterest expense to average assets | 3.3225% | 1,548 |
| Loan and lease loss provision to assets | -0.0182% | 5,904 |
| Net operating income to assets | 0.5184% | 4,548 |
| Return on assets (ROA) | 0.5168% | 4,662 |
| Pretax return on assets | 0.9419% | 3,686 |
| Return on Equity (ROE) | 4.1067% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.1067% | 3,436 |
| Net charge-offs to loans | -0.0692% | 5,487 |
| Credit loss provision to net charge-offs | 34.3249% | 2,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2027% | 1,872 |
| Assets per employee ($millions) | 4.7854% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 2,457 |
| Loan loss allowance to noncurrent loans | 193.0008% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 1,415 |
| Noncurrent loans to loans | 0.7216% | 3,034 |
| Net loans and leases to total assets | 76.3733% | 1,333 |
| Net loans and leases to deposits | 89.1772% | 1,678 |
| Net loans and leases to core deposits | 99.0954% | 1,557 |
| Total domestic deposits to total assets | 85.6422% | 2,838 |
| Equity capital to assets | 12.6969% | 1,562 |
| Core capital (leverage) ratio | 10.6170% | 2,830 |
| Tier 1 risk-based capital ratio | 11.9051% | 4,974 |
| Total risk-based capital ratio | 13.1698% | 4,876 |
| Memoranda: | ||
| Average total assets | $3,293,893,500 | 275 |
| Average earning assets | $2,987,323,000 | 276 |
| Average equity | $414,540,000 | 250 |
| Average total loans | $2,525,394,000 | 258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,536 |
| Cost of funding earning assets | 0.3273% | 3,939 |
| Net interest margin | 3.8793% | 2,096 |
| Noninterest income to average assets | 0.7595% | 1,938 |
| Noninterest expense to average assets | 3.1471% | 2,095 |
| Loan and lease loss provision to assets | -0.0386% | 5,712 |
| Net operating income to assets | 0.5880% | 4,337 |
| Return on assets (ROA) | 0.6278% | 4,239 |
| Pretax return on assets | 1.2237% | 2,576 |
| Return on Equity (ROE) | 4.9715% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.5281% | 4,267 |
| Net charge-offs to loans | -0.1030% | 5,783 |
| Credit loss provision to net charge-offs | 51.9103% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7032% | 2,628 |
| Assets per employee ($millions) | 4.8677% | 2,506 |
| Cash dividends to net income (ytd only)* | 49.1473% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,379 |
| Loan loss allowance to noncurrent loans | 172.6489% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 1,294 |
| Noncurrent loans to loans | 0.8159% | 2,744 |
| Net loans and leases to total assets | 74.8176% | 1,600 |
| Net loans and leases to deposits | 88.4660% | 1,814 |
| Net loans and leases to core deposits | 98.7518% | 1,611 |
| Total domestic deposits to total assets | 84.5721% | 3,259 |
| Equity capital to assets | 12.4734% | 1,640 |
| Core capital (leverage) ratio | 10.3768% | 3,079 |
| Tier 1 risk-based capital ratio | 11.8146% | 5,060 |
| Total risk-based capital ratio | 13.0874% | 4,968 |
| Memoranda: | ||
| Average total assets | $3,240,754,800 | 265 |
| Average earning assets | $2,932,554,600 | 265 |
| Average equity | $409,272,400 | 241 |
| Average total loans | $2,338,883,000 | 255 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,723 |
| Cost of funding earning assets | 0.3283% | 4,012 |
| Net interest margin | 3.8301% | 2,267 |
| Noninterest income to average assets | 0.8171% | 1,741 |
| Noninterest expense to average assets | 3.0969% | 2,230 |
| Loan and lease loss provision to assets | -0.0310% | 5,876 |
| Net operating income to assets | 0.7754% | 3,553 |
| Return on assets (ROA) | 0.7429% | 3,807 |
| Pretax return on assets | 1.2121% | 2,774 |
| Return on Equity (ROE) | 5.8644% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.8644% | 2,329 |
| Net charge-offs to loans | -0.1071% | 5,808 |
| Credit loss provision to net charge-offs | 40.6064% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3523% | 2,818 |
| Assets per employee ($millions) | 4.7404% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,284 |
| Loan loss allowance to noncurrent loans | 129.5943% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 1,143 |
| Noncurrent loans to loans | 1.1341% | 2,240 |
| Net loans and leases to total assets | 72.3976% | 1,998 |
| Net loans and leases to deposits | 84.6018% | 2,329 |
| Net loans and leases to core deposits | 93.9693% | 2,078 |
| Total domestic deposits to total assets | 85.5745% | 2,748 |
| Equity capital to assets | 12.8772% | 1,520 |
| Core capital (leverage) ratio | 10.6785% | 2,851 |
| Tier 1 risk-based capital ratio | 12.1909% | 4,970 |
| Total risk-based capital ratio | 13.4663% | 4,854 |
| Memoranda: | ||
| Average total assets | $3,227,090,500 | 270 |
| Average earning assets | $2,917,977,250 | 270 |
| Average equity | $408,828,000 | 246 |
| Average total loans | $2,298,409,750 | 263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 2,840 |
| Cost of funding earning assets | 0.3311% | 4,037 |
| Net interest margin | 3.7849% | 2,385 |
| Noninterest income to average assets | 0.7306% | 2,087 |
| Noninterest expense to average assets | 3.1229% | 2,181 |
| Loan and lease loss provision to assets | -0.0249% | 5,985 |
| Net operating income to assets | 0.6871% | 3,952 |
| Return on assets (ROA) | 0.6524% | 4,220 |
| Pretax return on assets | 1.0471% | 3,388 |
| Return on Equity (ROE) | 5.1787% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.1787% | 2,741 |
| Net charge-offs to loans | -0.0442% | 5,497 |
| Credit loss provision to net charge-offs | 79.8403% | 2,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2025% | 2,513 |
| Assets per employee ($millions) | 4.6949% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,329 |
| Loan loss allowance to noncurrent loans | 62.1829% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.3025% | 871 |
| Noncurrent loans to loans | 2.3994% | 955 |
| Net loans and leases to total assets | 70.5652% | 2,231 |
| Net loans and leases to deposits | 81.5989% | 2,612 |
| Net loans and leases to core deposits | 90.8890% | 2,254 |
| Total domestic deposits to total assets | 86.4781% | 2,448 |
| Equity capital to assets | 12.8238% | 1,476 |
| Core capital (leverage) ratio | 10.3842% | 3,100 |
| Tier 1 risk-based capital ratio | 12.9166% | 4,565 |
| Total risk-based capital ratio | 14.1951% | 4,466 |
| Memoranda: | ||
| Average total assets | $3,217,245,330 | 267 |
| Average earning assets | $2,908,869,000 | 270 |
| Average equity | $405,317,000 | 246 |
| Average total loans | $2,266,917,000 | 266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 2,620 |
| Cost of funding earning assets | 0.3304% | 4,088 |
| Net interest margin | 3.8242% | 2,154 |
| Noninterest income to average assets | 0.7395% | 1,969 |
| Noninterest expense to average assets | 3.0189% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7868% | 3,331 |
| Return on assets (ROA) | 0.7324% | 3,765 |
| Pretax return on assets | 1.1734% | 2,765 |
| Return on Equity (ROE) | 5.8654% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8654% | 2,568 |
| Net charge-offs to loans | -0.0956% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9536% | 3,176 |
| Assets per employee ($millions) | 4.7252% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,260 |
| Loan loss allowance to noncurrent loans | 55.6834% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.5579% | 832 |
| Noncurrent loans to loans | 2.7723% | 832 |
| Net loans and leases to total assets | 68.1967% | 2,408 |
| Net loans and leases to deposits | 78.5822% | 2,729 |
| Net loans and leases to core deposits | 87.8819% | 2,343 |
| Total domestic deposits to total assets | 86.7840% | 2,507 |
| Equity capital to assets | 12.5964% | 1,631 |
| Core capital (leverage) ratio | 10.1943% | 3,349 |
| Tier 1 risk-based capital ratio | 12.9112% | 4,657 |
| Total risk-based capital ratio | 14.1902% | 4,556 |
| Memoranda: | ||
| Average total assets | $3,227,261,000 | 264 |
| Average earning assets | $2,916,661,000 | 265 |
| Average equity | $402,973,500 | 246 |
| Average total loans | $2,255,229,500 | 265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 2,948 |
| Cost of funding earning assets | 0.3723% | 4,007 |
| Net interest margin | 3.8300% | 2,508 |
| Noninterest income to average assets | 0.8197% | 1,794 |
| Noninterest expense to average assets | 3.0861% | 2,572 |
| Loan and lease loss provision to assets | 0.0022% | 4,562 |
| Net operating income to assets | 0.8974% | 2,888 |
| Return on assets (ROA) | 0.8844% | 3,034 |
| Pretax return on assets | 1.1618% | 2,817 |
| Return on Equity (ROE) | 7.4145% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.8384% | 2,728 |
| Net charge-offs to loans | -0.1127% | 6,141 |
| Credit loss provision to net charge-offs | -2.8640% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3643% | 3,146 |
| Assets per employee ($millions) | 4.6906% | 2,741 |
| Cash dividends to net income (ytd only)* | 34.7439% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,461 |
| Loan loss allowance to noncurrent loans | 52.2802% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.7260% | 807 |
| Noncurrent loans to loans | 2.8729% | 801 |
| Net loans and leases to total assets | 69.4400% | 2,319 |
| Net loans and leases to deposits | 80.0910% | 2,700 |
| Net loans and leases to core deposits | 89.7893% | 2,303 |
| Total domestic deposits to total assets | 86.7014% | 2,450 |
| Equity capital to assets | 12.3761% | 1,720 |
| Core capital (leverage) ratio | 9.2684% | 4,576 |
| Tier 1 risk-based capital ratio | 12.1344% | 5,275 |
| Total risk-based capital ratio | 13.3876% | 5,179 |
| Memoranda: | ||
| Average total assets | $3,254,560,600 | 253 |
| Average earning assets | $2,927,326,000 | 250 |
| Average equity | $388,185,000 | 237 |
| Average total loans | $2,231,603,600 | 249 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,008 |
| Cost of funding earning assets | 0.3777% | 4,047 |
| Net interest margin | 3.8169% | 2,554 |
| Noninterest income to average assets | 0.7769% | 1,979 |
| Noninterest expense to average assets | 2.9598% | 2,933 |
| Loan and lease loss provision to assets | 0.0029% | 4,349 |
| Net operating income to assets | 0.8106% | 3,379 |
| Return on assets (ROA) | 0.8056% | 3,501 |
| Pretax return on assets | 1.2377% | 2,624 |
| Return on Equity (ROE) | 6.8177% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.8177% | 1,916 |
| Net charge-offs to loans | -0.0776% | 6,061 |
| Credit loss provision to net charge-offs | -5.5641% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3718% | 3,445 |
| Assets per employee ($millions) | 4.7820% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,781 |
| Loan loss allowance to noncurrent loans | 40.2566% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 3.2843% | 675 |
| Noncurrent loans to loans | 3.6972% | 617 |
| Net loans and leases to total assets | 66.7676% | 2,728 |
| Net loans and leases to deposits | 76.5675% | 3,121 |
| Net loans and leases to core deposits | 86.0428% | 2,661 |
| Total domestic deposits to total assets | 87.2009% | 2,197 |
| Equity capital to assets | 12.1566% | 1,941 |
| Core capital (leverage) ratio | 9.2550% | 4,698 |
| Tier 1 risk-based capital ratio | 12.9224% | 4,914 |
| Total risk-based capital ratio | 14.1761% | 4,824 |
| Memoranda: | ||
| Average total assets | $3,263,766,250 | 251 |
| Average earning assets | $2,932,096,250 | 249 |
| Average equity | $385,673,750 | 239 |
| Average total loans | $2,222,387,500 | 246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 2,983 |
| Cost of funding earning assets | 0.3819% | 4,081 |
| Net interest margin | 3.8086% | 2,542 |
| Noninterest income to average assets | 0.8148% | 1,785 |
| Noninterest expense to average assets | 2.9384% | 3,040 |
| Loan and lease loss provision to assets | 0.0044% | 4,137 |
| Net operating income to assets | 0.8506% | 3,068 |
| Return on assets (ROA) | 0.8453% | 3,199 |
| Pretax return on assets | 1.2849% | 2,316 |
| Return on Equity (ROE) | 7.2227% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.2227% | 1,654 |
| Net charge-offs to loans | -0.0050% | 5,178 |
| Credit loss provision to net charge-offs | -128.5714% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4226% | 3,756 |
| Assets per employee ($millions) | 4.7993% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 3,320 |
| Loan loss allowance to noncurrent loans | 41.3577% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 3.2156% | 771 |
| Noncurrent loans to loans | 3.3998% | 800 |
| Net loans and leases to total assets | 67.7231% | 2,459 |
| Net loans and leases to deposits | 77.4799% | 2,872 |
| Net loans and leases to core deposits | 87.2216% | 2,391 |
| Total domestic deposits to total assets | 87.4072% | 2,243 |
| Equity capital to assets | 11.9820% | 1,999 |
| Core capital (leverage) ratio | 8.9895% | 5,035 |
| Tier 1 risk-based capital ratio | 12.3143% | 5,352 |
| Total risk-based capital ratio | 13.5670% | 5,269 |
| Memoranda: | ||
| Average total assets | $3,266,164,000 | 250 |
| Average earning assets | $2,931,097,670 | 248 |
| Average equity | $382,269,000 | 237 |
| Average total loans | $2,227,454,330 | 245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 3,034 |
| Cost of funding earning assets | 0.3885% | 4,106 |
| Net interest margin | 3.7705% | 2,593 |
| Noninterest income to average assets | 0.9793% | 1,177 |
| Noninterest expense to average assets | 2.9676% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9485% | 2,413 |
| Return on assets (ROA) | 0.9499% | 2,476 |
| Pretax return on assets | 1.3932% | 1,768 |
| Return on Equity (ROE) | 8.2139% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.2139% | 1,530 |
| Net charge-offs to loans | -0.0155% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0843% | 4,166 |
| Assets per employee ($millions) | 4.8305% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 3,435 |
| Loan loss allowance to noncurrent loans | 38.6582% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.3401% | 791 |
| Noncurrent loans to loans | 3.7166% | 757 |
| Net loans and leases to total assets | 66.3245% | 2,509 |
| Net loans and leases to deposits | 75.8033% | 2,831 |
| Net loans and leases to core deposits | 85.7291% | 2,353 |
| Total domestic deposits to total assets | 87.4955% | 2,513 |
| Equity capital to assets | 11.7234% | 2,082 |
| Core capital (leverage) ratio | 8.6944% | 5,390 |
| Tier 1 risk-based capital ratio | 12.0589% | 5,606 |
| Total risk-based capital ratio | 13.3119% | 5,536 |
| Memoranda: | ||
| Average total assets | $3,262,682,000 | 247 |
| Average earning assets | $2,924,277,500 | 246 |
| Average equity | $377,311,000 | 240 |
| Average total loans | $2,217,043,500 | 247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 3,444 |
| Cost of funding earning assets | 0.4667% | 3,946 |
| Net interest margin | 3.7057% | 3,028 |
| Noninterest income to average assets | 0.7750% | 2,185 |
| Noninterest expense to average assets | 2.9544% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9977% | 2,329 |
| Return on assets (ROA) | 1.0027% | 2,378 |
| Pretax return on assets | 1.1612% | 2,728 |
| Return on Equity (ROE) | 9.2693% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.2693% | 718 |
| Net charge-offs to loans | 0.0032% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 539.7887% | 69 |
| Efficiency ratio | 71.9227% | 3,489 |
| Assets per employee ($millions) | 4.8224% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 3,618 |
| Loan loss allowance to noncurrent loans | 34.7141% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 4.0243% | 657 |
| Noncurrent loans to loans | 4.0549% | 714 |
| Net loans and leases to total assets | 67.6471% | 2,415 |
| Net loans and leases to deposits | 77.3749% | 2,804 |
| Net loans and leases to core deposits | 87.8122% | 2,263 |
| Total domestic deposits to total assets | 87.4277% | 2,510 |
| Equity capital to assets | 11.4052% | 2,234 |
| Core capital (leverage) ratio | 8.1277% | 6,034 |
| Tier 1 risk-based capital ratio | 11.1051% | 6,117 |
| Total risk-based capital ratio | 12.3576% | 6,067 |
| Memoranda: | ||
| Average total assets | $3,322,922,200 | 231 |
| Average earning assets | $2,988,528,000 | 230 |
| Average equity | $359,443,800 | 238 |
| Average total loans | $2,236,983,800 | 231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 3,758 |
| Cost of funding earning assets | 0.4811% | 3,955 |
| Net interest margin | 3.6193% | 3,364 |
| Noninterest income to average assets | 0.8030% | 2,131 |
| Noninterest expense to average assets | 2.9056% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7371% | 3,665 |
| Return on assets (ROA) | 0.7396% | 3,777 |
| Pretax return on assets | 1.1684% | 2,816 |
| Return on Equity (ROE) | 6.9289% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.9289% | 1,915 |
| Net charge-offs to loans | 0.0925% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.6643% | 1,665 |
| Efficiency ratio | 71.5242% | 3,503 |
| Assets per employee ($millions) | 4.8996% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,262 |
| Loan loss allowance to noncurrent loans | 27.8754% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 4.2640% | 720 |
| Noncurrent loans to loans | 4.7600% | 656 |
| Net loans and leases to total assets | 67.5672% | 2,355 |
| Net loans and leases to deposits | 76.3686% | 2,902 |
| Net loans and leases to core deposits | 86.8738% | 2,300 |
| Total domestic deposits to total assets | 88.4752% | 1,852 |
| Equity capital to assets | 10.8832% | 2,881 |
| Core capital (leverage) ratio | 7.7954% | 6,329 |
| Tier 1 risk-based capital ratio | 10.6636% | 6,405 |
| Total risk-based capital ratio | 11.9152% | 6,374 |
| Memoranda: | ||
| Average total assets | $3,338,661,750 | 228 |
| Average earning assets | $3,006,674,750 | 225 |
| Average equity | $356,353,250 | 239 |
| Average total loans | $2,237,040,500 | 229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,967 |
| Cost of funding earning assets | 0.4836% | 4,049 |
| Net interest margin | 3.5550% | 3,542 |
| Noninterest income to average assets | 0.8608% | 1,961 |
| Noninterest expense to average assets | 2.8812% | 3,397 |
| Loan and lease loss provision to assets | -0.0060% | 6,574 |
| Net operating income to assets | 0.7755% | 3,428 |
| Return on assets (ROA) | 0.7796% | 3,571 |
| Pretax return on assets | 1.2069% | 2,648 |
| Return on Equity (ROE) | 7.3513% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.3513% | 1,730 |
| Net charge-offs to loans | 0.0224% | 4,388 |
| Credit loss provision to net charge-offs | -40.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | 79.3200% | 571 |
| Efficiency ratio | 70.8819% | 3,663 |
| Assets per employee ($millions) | 4.9023% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,051 |
| Loan loss allowance to noncurrent loans | 23.8423% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 4.7865% | 661 |
| Noncurrent loans to loans | 5.8574% | 503 |
| Net loans and leases to total assets | 66.0952% | 2,571 |
| Net loans and leases to deposits | 74.5266% | 3,072 |
| Net loans and leases to core deposits | 85.0446% | 2,430 |
| Total domestic deposits to total assets | 88.6866% | 1,785 |
| Equity capital to assets | 10.6313% | 3,139 |
| Core capital (leverage) ratio | 7.1371% | 6,580 |
| Tier 1 risk-based capital ratio | 9.9781% | 6,638 |
| Total risk-based capital ratio | 11.2306% | 6,619 |
| Memoranda: | ||
| Average total assets | $3,350,781,000 | 226 |
| Average earning assets | $3,019,955,670 | 221 |
| Average equity | $355,338,670 | 240 |
| Average total loans | $2,228,961,000 | 229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 4,130 |
| Cost of funding earning assets | 0.4912% | 4,167 |
| Net interest margin | 3.5048% | 3,672 |
| Noninterest income to average assets | 0.8143% | 2,076 |
| Noninterest expense to average assets | 2.8889% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6868% | 3,752 |
| Return on assets (ROA) | 0.7354% | 3,646 |
| Pretax return on assets | 1.1616% | 2,719 |
| Return on Equity (ROE) | 6.9431% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.9431% | 2,182 |
| Net charge-offs to loans | -0.4643% | 6,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6799% | 3,487 |
| Assets per employee ($millions) | 5.0282% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,641 |
| Loan loss allowance to noncurrent loans | 23.1781% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 5.3085% | 661 |
| Noncurrent loans to loans | 6.6676% | 469 |
| Net loans and leases to total assets | 64.5602% | 2,602 |
| Net loans and leases to deposits | 73.2301% | 3,016 |
| Net loans and leases to core deposits | 84.1894% | 2,299 |
| Total domestic deposits to total assets | 88.1606% | 2,218 |
| Equity capital to assets | 10.6447% | 3,385 |
| Core capital (leverage) ratio | 7.0346% | 6,633 |
| Tier 1 risk-based capital ratio | 9.9750% | 6,697 |
| Total risk-based capital ratio | 11.2296% | 6,687 |
| Memoranda: | ||
| Average total assets | $3,359,388,500 | 227 |
| Average earning assets | $3,029,308,500 | 225 |
| Average equity | $355,807,000 | 244 |
| Average total loans | $2,226,175,500 | 228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 4,065 |
| Cost of funding earning assets | 0.6550% | 3,872 |
| Net interest margin | 3.6835% | 3,726 |
| Noninterest income to average assets | 0.7995% | 2,267 |
| Noninterest expense to average assets | 2.9680% | 3,394 |
| Loan and lease loss provision to assets | 0.0916% | 4,532 |
| Net operating income to assets | 5.3501% | 39 |
| Return on assets (ROA) | 5.4087% | 39 |
| Pretax return on assets | 1.1885% | 2,840 |
| Return on Equity (ROE) | 80.5478% | 6 |
| Retained earnings to average equity (ytd only) | 80.5478% | 3 |
| Net charge-offs to loans | 0.9761% | 1,120 |
| Credit loss provision to net charge-offs | 14.0305% | 5,356 |
| Earnings coverage of net charge-offs (x) | 1.8712% | 4,494 |
| Efficiency ratio | 70.8439% | 3,646 |
| Assets per employee ($millions) | 4.9924% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,141 |
| Loan loss allowance to noncurrent loans | 21.1882% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 5.4547% | 681 |
| Noncurrent loans to loans | 6.6391% | 494 |
| Net loans and leases to total assets | 66.0229% | 2,520 |
| Net loans and leases to deposits | 74.4940% | 3,023 |
| Net loans and leases to core deposits | 86.0190% | 2,312 |
| Total domestic deposits to total assets | 88.6285% | 1,818 |
| Equity capital to assets | 10.5379% | 3,484 |
| Core capital (leverage) ratio | 6.7182% | 6,754 |
| Tier 1 risk-based capital ratio | 9.6778% | 6,774 |
| Total risk-based capital ratio | 10.9312% | 6,756 |
| Memoranda: | ||
| Average total assets | $3,275,540,400 | 233 |
| Average earning assets | $3,014,496,200 | 226 |
| Average equity | $219,949,000 | 340 |
| Average total loans | $2,190,462,400 | 221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 4,314 |
| Cost of funding earning assets | 0.6857% | 3,896 |
| Net interest margin | 3.6487% | 4,010 |
| Noninterest income to average assets | 0.6623% | 2,918 |
| Noninterest expense to average assets | 2.9850% | 3,287 |
| Loan and lease loss provision to assets | 0.0614% | 4,947 |
| Net operating income to assets | 1.1862% | 1,791 |
| Return on assets (ROA) | 1.2647% | 1,690 |
| Pretax return on assets | 1.0715% | 3,458 |
| Return on Equity (ROE) | 22.0652% | 235 |
| Retained earnings to average equity (ytd only) | 22.0652% | 62 |
| Net charge-offs to loans | 0.6469% | 1,695 |
| Credit loss provision to net charge-offs | 14.2005% | 5,029 |
| Earnings coverage of net charge-offs (x) | 2.4381% | 4,065 |
| Efficiency ratio | 73.8994% | 3,002 |
| Assets per employee ($millions) | 4.9102% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 2,704 |
| Loan loss allowance to noncurrent loans | 27.2328% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.6085% | 558 |
| Noncurrent loans to loans | 6.7174% | 557 |
| Net loans and leases to total assets | 67.3802% | 2,386 |
| Net loans and leases to deposits | 72.8350% | 3,468 |
| Net loans and leases to core deposits | 83.9636% | 2,704 |
| Total domestic deposits to total assets | 92.5108% | 151 |
| Equity capital to assets | 6.3317% | 6,963 |
| Core capital (leverage) ratio | 6.3127% | 6,915 |
| Tier 1 risk-based capital ratio | 9.1901% | 6,925 |
| Total risk-based capital ratio | 10.4498% | 6,928 |
| Memoranda: | ||
| Average total assets | $3,256,953,750 | 236 |
| Average earning assets | $3,014,442,500 | 226 |
| Average equity | $186,684,500 | 396 |
| Average total loans | $2,177,265,500 | 225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 4,426 |
| Cost of funding earning assets | 0.7190% | 3,867 |
| Net interest margin | 3.6187% | 4,187 |
| Noninterest income to average assets | 0.7227% | 2,544 |
| Noninterest expense to average assets | 2.9532% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2219% | 1,635 |
| Return on assets (ROA) | 1.3189% | 1,542 |
| Pretax return on assets | 1.2121% | 2,871 |
| Return on Equity (ROE) | 23.8419% | 185 |
| Retained earnings to average equity (ytd only) | 23.8419% | 62 |
| Net charge-offs to loans | 0.5031% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3450% | 3,410 |
| Efficiency ratio | 72.5924% | 3,323 |
| Assets per employee ($millions) | 4.9512% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 2,168 |
| Loan loss allowance to noncurrent loans | 26.5013% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 7.2533% | 519 |
| Noncurrent loans to loans | 7.6328% | 466 |
| Net loans and leases to total assets | 65.8738% | 2,694 |
| Net loans and leases to deposits | 70.7402% | 3,790 |
| Net loans and leases to core deposits | 81.6755% | 2,996 |
| Total domestic deposits to total assets | 93.1208% | 120 |
| Equity capital to assets | 5.9395% | 7,032 |
| Core capital (leverage) ratio | 6.0003% | 6,987 |
| Tier 1 risk-based capital ratio | 9.0235% | 6,982 |
| Total risk-based capital ratio | 10.2851% | 6,979 |
| Memoranda: | ||
| Average total assets | $3,257,454,670 | 235 |
| Average earning assets | $3,011,505,000 | 227 |
| Average equity | $180,204,000 | 413 |
| Average total loans | $2,158,218,670 | 228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 4,354 |
| Cost of funding earning assets | 0.7516% | 3,853 |
| Net interest margin | 3.6437% | 4,072 |
| Noninterest income to average assets | 0.5640% | 3,467 |
| Noninterest expense to average assets | 2.9842% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0618% | 2,246 |
| Return on assets (ROA) | 1.1009% | 2,267 |
| Pretax return on assets | 0.9806% | 3,745 |
| Return on Equity (ROE) | 20.6661% | 340 |
| Retained earnings to average equity (ytd only) | 20.6661% | 170 |
| Net charge-offs to loans | 0.4849% | 1,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.9525% | 3,004 |
| Efficiency ratio | 76.0150% | 2,786 |
| Assets per employee ($millions) | 4.9845% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 1,844 |
| Loan loss allowance to noncurrent loans | 25.5774% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 8.4219% | 441 |
| Noncurrent loans to loans | 8.6839% | 410 |
| Net loans and leases to total assets | 64.1353% | 2,825 |
| Net loans and leases to deposits | 68.4709% | 3,980 |
| Net loans and leases to core deposits | 79.3678% | 3,129 |
| Total domestic deposits to total assets | 93.6680% | 104 |
| Equity capital to assets | 5.4974% | 7,108 |
| Core capital (leverage) ratio | 5.6492% | 7,072 |
| Tier 1 risk-based capital ratio | 8.7367% | 7,057 |
| Total risk-based capital ratio | 10.0008% | 7,061 |
| Memoranda: | ||
| Average total assets | $3,249,823,500 | 235 |
| Average earning assets | $2,998,413,500 | 224 |
| Average equity | $173,114,500 | 427 |
| Average total loans | $2,137,141,500 | 227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 4,802 |
| Cost of funding earning assets | 0.8862% | 4,214 |
| Net interest margin | 3.6801% | 4,390 |
| Noninterest income to average assets | -0.6741% | 7,289 |
| Noninterest expense to average assets | 3.0122% | 3,549 |
| Loan and lease loss provision to assets | 0.4668% | 2,270 |
| Net operating income to assets | -0.4686% | 6,462 |
| Return on assets (ROA) | -0.3216% | 6,412 |
| Pretax return on assets | -0.5463% | 6,523 |
| Return on Equity (ROE) | -6.8303% | 6,620 |
| Retained earnings to average equity (ytd only) | -6.8303% | 6,559 |
| Net charge-offs to loans | 1.1892% | 1,417 |
| Credit loss provision to net charge-offs | 58.4635% | 5,211 |
| Earnings coverage of net charge-offs (x) | -0.3873% | 6,045 |
| Efficiency ratio | 111.4397% | 407 |
| Assets per employee ($millions) | 4.9842% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3307% | 1,575 |
| Loan loss allowance to noncurrent loans | 26.0392% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 8.5358% | 442 |
| Noncurrent loans to loans | 8.9508% | 396 |
| Net loans and leases to total assets | 64.3947% | 3,095 |
| Net loans and leases to deposits | 68.4720% | 4,371 |
| Net loans and leases to core deposits | 79.6422% | 3,494 |
| Total domestic deposits to total assets | 94.0453% | 92 |
| Equity capital to assets | 5.1564% | 7,160 |
| Core capital (leverage) ratio | 5.1998% | 7,124 |
| Tier 1 risk-based capital ratio | 8.4531% | 7,086 |
| Total risk-based capital ratio | 9.7193% | 7,087 |
| Memoranda: | ||
| Average total assets | $3,472,354,200 | 220 |
| Average earning assets | $3,186,393,200 | 209 |
| Average equity | $163,492,200 | 431 |
| Average total loans | $2,331,316,200 | 212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 4,968 |
| Cost of funding earning assets | 0.9123% | 4,323 |
| Net interest margin | 3.6641% | 4,504 |
| Noninterest income to average assets | -0.6185% | 7,371 |
| Noninterest expense to average assets | 2.9643% | 3,691 |
| Loan and lease loss provision to assets | 0.7019% | 1,367 |
| Net operating income to assets | -0.9401% | 6,861 |
| Return on assets (ROA) | -0.8313% | 6,848 |
| Pretax return on assets | -0.8178% | 6,793 |
| Return on Equity (ROE) | -18.0505% | 7,069 |
| Retained earnings to average equity (ytd only) | -18.0505% | 7,052 |
| Net charge-offs to loans | 1.4376% | 1,022 |
| Credit loss provision to net charge-offs | 72.4274% | 4,402 |
| Earnings coverage of net charge-offs (x) | -0.2318% | 5,736 |
| Efficiency ratio | 108.2008% | 462 |
| Assets per employee ($millions) | 5.3886% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4507% | 1,467 |
| Loan loss allowance to noncurrent loans | 26.4553% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 8.9979% | 448 |
| Noncurrent loans to loans | 9.2636% | 408 |
| Net loans and leases to total assets | 63.6629% | 3,382 |
| Net loans and leases to deposits | 67.7183% | 4,660 |
| Net loans and leases to core deposits | 79.6825% | 3,687 |
| Total domestic deposits to total assets | 94.0114% | 78 |
| Equity capital to assets | 4.9102% | 7,270 |
| Core capital (leverage) ratio | 4.7059% | 7,259 |
| Tier 1 risk-based capital ratio | 7.6930% | 7,210 |
| Total risk-based capital ratio | 8.9612% | 7,211 |
| Memoranda: | ||
| Average total assets | $3,528,010,250 | 217 |
| Average earning assets | $3,233,390,500 | 207 |
| Average equity | $162,473,250 | 447 |
| Average total loans | $2,378,497,500 | 209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 4,751 |
| Cost of funding earning assets | 0.9380% | 4,403 |
| Net interest margin | 3.7137% | 4,198 |
| Noninterest income to average assets | -1.0885% | 7,484 |
| Noninterest expense to average assets | 2.9891% | 3,686 |
| Loan and lease loss provision to assets | 0.6860% | 1,392 |
| Net operating income to assets | -1.3667% | 7,058 |
| Return on assets (ROA) | -1.3547% | 7,061 |
| Pretax return on assets | -1.3547% | 7,016 |
| Return on Equity (ROE) | -30.0474% | 7,247 |
| Retained earnings to average equity (ytd only) | -30.0474% | 7,240 |
| Net charge-offs to loans | 1.3552% | 1,127 |
| Credit loss provision to net charge-offs | 74.3339% | 3,936 |
| Earnings coverage of net charge-offs (x) | -0.7375% | 5,585 |
| Efficiency ratio | 129.4858% | 258 |
| Assets per employee ($millions) | 5.5230% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4766% | 1,480 |
| Loan loss allowance to noncurrent loans | 24.9940% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 9.5509% | 426 |
| Noncurrent loans to loans | 9.9087% | 391 |
| Net loans and leases to total assets | 64.4280% | 3,369 |
| Net loans and leases to deposits | 68.1628% | 4,682 |
| Net loans and leases to core deposits | 80.5340% | 3,712 |
| Total domestic deposits to total assets | 94.5208% | 61 |
| Equity capital to assets | 4.3159% | 7,368 |
| Core capital (leverage) ratio | 4.5149% | 7,336 |
| Tier 1 risk-based capital ratio | 7.3921% | 7,287 |
| Total risk-based capital ratio | 8.6610% | 7,289 |
| Memoranda: | ||
| Average total assets | $3,570,607,670 | 218 |
| Average earning assets | $3,266,030,670 | 209 |
| Average equity | $160,979,000 | 449 |
| Average total loans | $2,431,643,000 | 206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 4,255 |
| Cost of funding earning assets | 0.9608% | 4,493 |
| Net interest margin | 3.7992% | 3,628 |
| Noninterest income to average assets | 0.6729% | 2,714 |
| Noninterest expense to average assets | 2.8933% | 4,085 |
| Loan and lease loss provision to assets | 1.0175% | 746 |
| Net operating income to assets | 0.2232% | 5,710 |
| Return on assets (ROA) | 0.2446% | 5,698 |
| Pretax return on assets | 0.2446% | 5,826 |
| Return on Equity (ROE) | 5.3148% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,994 |
| Net charge-offs to loans | 0.1239% | 3,784 |
| Credit loss provision to net charge-offs | 1,188.8601% | 334 |
| Earnings coverage of net charge-offs (x) | 14.4961% | 1,365 |
| Efficiency ratio | 69.9877% | 4,277 |
| Assets per employee ($millions) | 5.7811% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8515% | 1,060 |
| Loan loss allowance to noncurrent loans | 26.7561% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 11.1867% | 323 |
| Noncurrent loans to loans | 10.6575% | 353 |
| Net loans and leases to total assets | 66.2725% | 2,940 |
| Net loans and leases to deposits | 70.2966% | 4,305 |
| Net loans and leases to core deposits | 83.3011% | 3,262 |
| Total domestic deposits to total assets | 94.2756% | 69 |
| Equity capital to assets | 4.6325% | 7,398 |
| Core capital (leverage) ratio | 5.1460% | 7,347 |
| Tier 1 risk-based capital ratio | 7.9528% | 7,298 |
| Total risk-based capital ratio | 9.2257% | 7,300 |
| Memoranda: | ||
| Average total assets | $3,607,882,000 | 215 |
| Average earning assets | $3,286,873,500 | 209 |
| Average equity | $166,026,000 | 428 |
| Average total loans | $2,492,643,500 | 203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 5,553 |
| Cost of funding earning assets | 1.1941% | 4,596 |
| Net interest margin | 3.5725% | 4,953 |
| Noninterest income to average assets | -0.4850% | 7,563 |
| Noninterest expense to average assets | 3.4407% | 2,329 |
| Loan and lease loss provision to assets | 3.2185% | 269 |
| Net operating income to assets | -3.8899% | 7,422 |
| Return on assets (ROA) | -3.6944% | 7,417 |
| Pretax return on assets | -3.6944% | 7,396 |
| Return on Equity (ROE) | -56.9788% | 7,465 |
| Retained earnings to average equity (ytd only) | -56.9788% | 7,463 |
| Net charge-offs to loans | 4.8653% | 192 |
| Credit loss provision to net charge-offs | 88.6681% | 5,181 |
| Earnings coverage of net charge-offs (x) | -0.1850% | 6,282 |
| Efficiency ratio | 124.2457% | 364 |
| Assets per employee ($millions) | 5.9147% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4220% | 1,521 |
| Loan loss allowance to noncurrent loans | 21.2936% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 11.9491% | 279 |
| Noncurrent loans to loans | 11.3746% | 330 |
| Net loans and leases to total assets | 68.2571% | 2,918 |
| Net loans and leases to deposits | 72.5282% | 4,424 |
| Net loans and leases to core deposits | 86.4696% | 3,256 |
| Total domestic deposits to total assets | 94.1111% | 84 |
| Equity capital to assets | 4.5713% | 7,474 |
| Core capital (leverage) ratio | 4.9085% | 7,424 |
| Tier 1 risk-based capital ratio | 7.5672% | 7,384 |
| Total risk-based capital ratio | 8.8345% | 7,385 |
| Memoranda: | ||
| Average total assets | $3,835,660,200 | 206 |
| Average earning assets | $3,493,973,000 | 201 |
| Average equity | $248,699,600 | 298 |
| Average total loans | $2,861,635,400 | 183 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 5,871 |
| Cost of funding earning assets | 1.2319% | 4,678 |
| Net interest margin | 3.5134% | 5,235 |
| Noninterest income to average assets | 0.1374% | 6,869 |
| Noninterest expense to average assets | 3.1915% | 2,955 |
| Loan and lease loss provision to assets | 3.8699% | 172 |
| Net operating income to assets | -3.6698% | 7,539 |
| Return on assets (ROA) | -3.4153% | 7,520 |
| Pretax return on assets | -3.4641% | 7,492 |
| Return on Equity (ROE) | -49.2849% | 7,557 |
| Retained earnings to average equity (ytd only) | -49.2849% | 7,554 |
| Net charge-offs to loans | 5.0488% | 167 |
| Credit loss provision to net charge-offs | 101.2652% | 4,261 |
| Earnings coverage of net charge-offs (x) | 0.0389% | 5,992 |
| Efficiency ratio | 95.5496% | 923 |
| Assets per employee ($millions) | 6.1172% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9227% | 884 |
| Loan loss allowance to noncurrent loans | 23.2535% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 13.3098% | 212 |
| Noncurrent loans to loans | 12.5687% | 256 |
| Net loans and leases to total assets | 67.5432% | 3,321 |
| Net loans and leases to deposits | 73.2236% | 4,650 |
| Net loans and leases to core deposits | 87.7358% | 3,406 |
| Total domestic deposits to total assets | 92.2424% | 156 |
| Equity capital to assets | 5.9413% | 7,495 |
| Core capital (leverage) ratio | 5.8399% | 7,455 |
| Tier 1 risk-based capital ratio | 8.7521% | 7,411 |
| Total risk-based capital ratio | 10.0256% | 7,419 |
| Memoranda: | ||
| Average total assets | $3,888,145,250 | 203 |
| Average earning assets | $3,544,341,500 | 199 |
| Average equity | $269,439,000 | 272 |
| Average total loans | $2,942,984,250 | 181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 5,698 |
| Cost of funding earning assets | 1.2614% | 4,759 |
| Net interest margin | 3.5649% | 4,971 |
| Noninterest income to average assets | 0.3069% | 5,704 |
| Noninterest expense to average assets | 3.1387% | 3,154 |
| Loan and lease loss provision to assets | 4.0929% | 181 |
| Net operating income to assets | -3.5042% | 7,578 |
| Return on assets (ROA) | -3.4639% | 7,577 |
| Pretax return on assets | -3.6275% | 7,563 |
| Return on Equity (ROE) | -47.7333% | 7,597 |
| Retained earnings to average equity (ytd only) | -47.7333% | 7,593 |
| Net charge-offs to loans | 5.1496% | 193 |
| Credit loss provision to net charge-offs | 102.2720% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.1057% | 5,620 |
| Efficiency ratio | 88.1251% | 1,495 |
| Assets per employee ($millions) | 5.2465% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7748% | 1,021 |
| Loan loss allowance to noncurrent loans | 23.3264% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 13.8145% | 187 |
| Noncurrent loans to loans | 11.8956% | 292 |
| Net loans and leases to total assets | 71.4697% | 2,544 |
| Net loans and leases to deposits | 77.6012% | 4,063 |
| Net loans and leases to core deposits | 93.7159% | 2,764 |
| Total domestic deposits to total assets | 92.0987% | 204 |
| Equity capital to assets | 6.8006% | 7,408 |
| Core capital (leverage) ratio | 6.5854% | 7,353 |
| Tier 1 risk-based capital ratio | 9.2588% | 7,355 |
| Total risk-based capital ratio | 10.5298% | 7,345 |
| Memoranda: | ||
| Average total assets | $3,895,511,000 | 202 |
| Average earning assets | $3,556,663,330 | 198 |
| Average equity | $282,687,330 | 264 |
| Average total loans | $3,027,355,670 | 177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 5,978 |
| Cost of funding earning assets | 1.2797% | 4,931 |
| Net interest margin | 3.4973% | 5,168 |
| Noninterest income to average assets | 0.7469% | 2,317 |
| Noninterest expense to average assets | 3.0736% | 3,374 |
| Loan and lease loss provision to assets | 2.4929% | 426 |
| Net operating income to assets | -1.5242% | 7,340 |
| Return on assets (ROA) | -1.5059% | 7,342 |
| Pretax return on assets | -1.5859% | 7,285 |
| Return on Equity (ROE) | -20.1249% | 7,439 |
| Retained earnings to average equity (ytd only) | -20.1249% | 7,376 |
| Net charge-offs to loans | 3.3790% | 429 |
| Credit loss provision to net charge-offs | 92.4523% | 3,603 |
| Earnings coverage of net charge-offs (x) | 0.3292% | 4,749 |
| Efficiency ratio | 77.5914% | 2,962 |
| Assets per employee ($millions) | 5.1634% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 1,341 |
| Loan loss allowance to noncurrent loans | 17.4110% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 14.4120% | 152 |
| Noncurrent loans to loans | 14.1572% | 208 |
| Net loans and leases to total assets | 76.6522% | 1,404 |
| Net loans and leases to deposits | 84.0149% | 2,943 |
| Net loans and leases to core deposits | 101.7565% | 1,940 |
| Total domestic deposits to total assets | 91.2365% | 456 |
| Equity capital to assets | 7.3667% | 7,167 |
| Core capital (leverage) ratio | 7.3382% | 6,995 |
| Tier 1 risk-based capital ratio | 9.7866% | 7,158 |
| Total risk-based capital ratio | 11.0544% | 7,147 |
| Memoranda: | ||
| Average total assets | $3,907,325,500 | 207 |
| Average earning assets | $3,591,276,000 | 202 |
| Average equity | $292,374,500 | 259 |
| Average total loans | $3,117,934,000 | 178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 7,465 |
| Cost of funding earning assets | 2.2733% | 1,758 |
| Net interest margin | 2.1394% | 7,680 |
| Noninterest income to average assets | 0.4192% | 5,052 |
| Noninterest expense to average assets | 3.6180% | 2,104 |
| Loan and lease loss provision to assets | 2.4200% | 836 |
| Net operating income to assets | -2.7651% | 7,343 |
| Return on assets (ROA) | -2.5511% | 7,282 |
| Pretax return on assets | -3.3387% | 7,380 |
| Return on Equity (ROE) | -33.6106% | 7,469 |
| Retained earnings to average equity (ytd only) | -33.6106% | 7,456 |
| Net charge-offs to loans | 6.5086% | 149 |
| Credit loss provision to net charge-offs | 48.8136% | 6,760 |
| Earnings coverage of net charge-offs (x) | -0.2421% | 6,497 |
| Efficiency ratio | 149.6432% | 316 |
| Assets per employee ($millions) | 5.1261% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 1,326 |
| Loan loss allowance to noncurrent loans | 15.3804% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 15.4935% | 127 |
| Noncurrent loans to loans | 15.7641% | 154 |
| Net loans and leases to total assets | 79.0262% | 1,176 |
| Net loans and leases to deposits | 86.7730% | 2,779 |
| Net loans and leases to core deposits | 144.0654% | 673 |
| Total domestic deposits to total assets | 91.0724% | 508 |
| Equity capital to assets | 7.5973% | 6,950 |
| Core capital (leverage) ratio | 7.3093% | 6,977 |
| Tier 1 risk-based capital ratio | 9.8971% | 6,959 |
| Total risk-based capital ratio | 11.1645% | 6,919 |
| Memoranda: | ||
| Average total assets | $4,388,095,000 | 191 |
| Average earning assets | $4,099,014,400 | 183 |
| Average equity | $333,061,600 | 235 |
| Average total loans | $3,342,361,000 | 175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 7,660 |
| Cost of funding earning assets | 2.4347% | 1,510 |
| Net interest margin | 1.8848% | 7,861 |
| Noninterest income to average assets | 0.5945% | 3,754 |
| Noninterest expense to average assets | 3.2752% | 3,009 |
| Loan and lease loss provision to assets | 2.4170% | 698 |
| Net operating income to assets | -3.3447% | 7,660 |
| Return on assets (ROA) | -2.9900% | 7,590 |
| Pretax return on assets | -2.9762% | 7,494 |
| Return on Equity (ROE) | -39.4015% | 7,748 |
| Retained earnings to average equity (ytd only) | -39.4015% | 7,741 |
| Net charge-offs to loans | 6.2960% | 131 |
| Credit loss provision to net charge-offs | 51.1080% | 6,293 |
| Earnings coverage of net charge-offs (x) | -0.1932% | 6,285 |
| Efficiency ratio | 138.7015% | 396 |
| Assets per employee ($millions) | 4.8927% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3729% | 471 |
| Loan loss allowance to noncurrent loans | 18.8974% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 16.3931% | 92 |
| Noncurrent loans to loans | 17.8482% | 90 |
| Net loans and leases to total assets | 75.3955% | 2,133 |
| Net loans and leases to deposits | 82.9025% | 3,851 |
| Net loans and leases to core deposits | 147.6450% | 640 |
| Total domestic deposits to total assets | 90.9447% | 438 |
| Equity capital to assets | 7.4519% | 7,332 |
| Core capital (leverage) ratio | 7.1714% | 7,287 |
| Tier 1 risk-based capital ratio | 10.3665% | 6,607 |
| Total risk-based capital ratio | 11.6481% | 6,517 |
| Memoranda: | ||
| Average total assets | $4,502,182,750 | 196 |
| Average earning assets | $4,220,488,000 | 188 |
| Average equity | $341,650,500 | 236 |
| Average total loans | $3,381,872,500 | 180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 7,804 |
| Cost of funding earning assets | 2.5798% | 1,344 |
| Net interest margin | 1.6603% | 7,971 |
| Noninterest income to average assets | 0.5966% | 3,723 |
| Noninterest expense to average assets | 2.9328% | 4,369 |
| Loan and lease loss provision to assets | 3.1114% | 484 |
| Net operating income to assets | -4.0412% | 7,840 |
| Return on assets (ROA) | -3.8871% | 7,808 |
| Pretax return on assets | -3.7327% | 7,708 |
| Return on Equity (ROE) | -50.9449% | 7,920 |
| Retained earnings to average equity (ytd only) | -50.9449% | 7,917 |
| Net charge-offs to loans | 6.3957% | 156 |
| Credit loss provision to net charge-offs | 65.5347% | 5,498 |
| Earnings coverage of net charge-offs (x) | -0.1633% | 5,855 |
| Efficiency ratio | 135.9418% | 471 |
| Assets per employee ($millions) | 4.8989% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4769% | 175 |
| Loan loss allowance to noncurrent loans | 23.0159% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 16.5209% | 82 |
| Noncurrent loans to loans | 19.4514% | 58 |
| Net loans and leases to total assets | 72.6999% | 3,038 |
| Net loans and leases to deposits | 79.6206% | 4,597 |
| Net loans and leases to core deposits | 148.8233% | 683 |
| Total domestic deposits to total assets | 91.3079% | 371 |
| Equity capital to assets | 6.8655% | 7,680 |
| Core capital (leverage) ratio | 6.8142% | 7,646 |
| Tier 1 risk-based capital ratio | 10.2019% | 6,712 |
| Total risk-based capital ratio | 11.4999% | 6,577 |
| Memoranda: | ||
| Average total assets | $4,603,584,000 | 196 |
| Average earning assets | $4,327,581,670 | 188 |
| Average equity | $351,258,000 | 237 |
| Average total loans | $3,417,308,000 | 185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 7,935 |
| Cost of funding earning assets | 2.7074% | 1,250 |
| Net interest margin | 1.4086% | 8,083 |
| Noninterest income to average assets | 0.5166% | 4,166 |
| Noninterest expense to average assets | 2.5924% | 5,487 |
| Loan and lease loss provision to assets | 3.4341% | 304 |
| Net operating income to assets | -4.1678% | 7,994 |
| Return on assets (ROA) | -4.1678% | 7,987 |
| Pretax return on assets | -4.1842% | 7,924 |
| Return on Equity (ROE) | -52.1565% | 8,056 |
| Retained earnings to average equity (ytd only) | -52.1565% | 8,039 |
| Net charge-offs to loans | 8.5558% | 84 |
| Credit loss provision to net charge-offs | 54.7238% | 4,607 |
| Earnings coverage of net charge-offs (x) | -0.1195% | 5,089 |
| Efficiency ratio | 140.7155% | 405 |
| Assets per employee ($millions) | 5.1061% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5957% | 143 |
| Loan loss allowance to noncurrent loans | 22.0994% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 15.9038% | 64 |
| Noncurrent loans to loans | 20.7956% | 43 |
| Net loans and leases to total assets | 69.6619% | 3,761 |
| Net loans and leases to deposits | 77.0289% | 5,082 |
| Net loans and leases to core deposits | 149.0644% | 740 |
| Total domestic deposits to total assets | 90.4361% | 622 |
| Equity capital to assets | 7.5782% | 7,284 |
| Core capital (leverage) ratio | 7.4613% | 7,202 |
| Tier 1 risk-based capital ratio | 11.2728% | 5,624 |
| Total risk-based capital ratio | 12.5710% | 5,489 |
| Memoranda: | ||
| Average total assets | $4,691,071,500 | 194 |
| Average earning assets | $4,414,934,500 | 187 |
| Average equity | $374,864,000 | 230 |
| Average total loans | $3,440,717,500 | 184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 7,751 |
| Cost of funding earning assets | 2.7081% | 3,130 |
| Net interest margin | 2.4125% | 7,834 |
| Noninterest income to average assets | 0.5040% | 4,595 |
| Noninterest expense to average assets | 3.3641% | 2,778 |
| Loan and lease loss provision to assets | 3.6358% | 207 |
| Net operating income to assets | -4.1652% | 8,009 |
| Return on assets (ROA) | -4.1414% | 7,991 |
| Pretax return on assets | -4.2106% | 7,927 |
| Return on Equity (ROE) | -40.4117% | 8,078 |
| Retained earnings to average equity (ytd only) | -40.4117% | 8,052 |
| Net charge-offs to loans | 4.2928% | 142 |
| Credit loss provision to net charge-offs | 112.8896% | 4,780 |
| Earnings coverage of net charge-offs (x) | -0.1860% | 6,370 |
| Efficiency ratio | 121.6696% | 556 |
| Assets per employee ($millions) | 4.5643% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3819% | 81 |
| Loan loss allowance to noncurrent loans | 24.6420% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 16.5600% | 48 |
| Noncurrent loans to loans | 21.8404% | 29 |
| Net loans and leases to total assets | 69.7011% | 4,088 |
| Net loans and leases to deposits | 79.4685% | 5,139 |
| Net loans and leases to core deposits | 156.4975% | 656 |
| Total domestic deposits to total assets | 87.7091% | 1,605 |
| Equity capital to assets | 8.3925% | 6,268 |
| Core capital (leverage) ratio | 8.7144% | 5,170 |
| Tier 1 risk-based capital ratio | 12.4511% | 4,471 |
| Total risk-based capital ratio | 13.7602% | 4,332 |
| Memoranda: | ||
| Average total assets | $4,942,537,200 | 184 |
| Average earning assets | $4,632,021,800 | 176 |
| Average equity | $506,509,600 | 189 |
| Average total loans | $3,708,073,800 | 171 |