Home > Old Second National Bank > Performance and Condition Ratios
Old Second National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 1,223 |
| Cost of funding earning assets | 0.6410% | 4,014 |
| Net interest margin | 4.8200% | 406 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.3983% | 2,601 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.7722% | 638 |
| Return on assets (ROA) | 1.7160% | 681 |
| Pretax return on assets | 2.3331% | 412 |
| Return on Equity (ROE) | 16.9600% | 955 |
| Retained earnings to average equity (ytd only) | 5.9442% | 2,266 |
| Net charge-offs to loans | 0.5835% | 168 |
| Credit loss provision to net charge-offs | 77.6157% | 2,039 |
| Earnings coverage of net charge-offs (x) | 6.7253% | 2,451 |
| Efficiency ratio | 46.3296% | 4,186 |
| Assets per employee ($millions) | 6.8566% | 2,168 |
| Cash dividends to net income (ytd only)* | 64.9513% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 2,867 |
| Loan loss allowance to noncurrent loans | 64.3569% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 325 |
| Noncurrent loans to loans | 1.7007% | 367 |
| Net loans and leases to total assets | 69.9500% | 1,812 |
| Net loans and leases to deposits | 86.8159% | 1,552 |
| Net loans and leases to core deposits | 88.3808% | 2,158 |
| Total domestic deposits to total assets | 80.5700% | 3,372 |
| Equity capital to assets | 10.8402% | 1,565 |
| Core capital (leverage) ratio | 10.4078% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2376% | 2,161 |
| Memoranda: | ||
| Average total assets | $5,831,793,400 | 247 |
| Average earning assets | $5,345,504,200 | 240 |
| Average equity | $590,073,800 | 236 |
| Average total loans | $3,993,451,600 | 238 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 1,113 |
| Cost of funding earning assets | 0.5619% | 4,042 |
| Net interest margin | 4.8541% | 380 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.3652% | 2,613 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.8974% | 564 |
| Return on assets (ROA) | 1.8229% | 631 |
| Pretax return on assets | 2.4757% | 390 |
| Return on Equity (ROE) | 18.3400% | 906 |
| Retained earnings to average equity (ytd only) | 10.3255% | 1,315 |
| Net charge-offs to loans | 0.2627% | 339 |
| Credit loss provision to net charge-offs | 128.6789% | 1,430 |
| Earnings coverage of net charge-offs (x) | 15.4884% | 1,963 |
| Efficiency ratio | 45.2929% | 4,171 |
| Assets per employee ($millions) | 6.7970% | 2,105 |
| Cash dividends to net income (ytd only)* | 43.6845% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 1,946 |
| Loan loss allowance to noncurrent loans | 81.6881% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 433 |
| Noncurrent loans to loans | 1.5706% | 450 |
| Net loans and leases to total assets | 69.1300% | 1,930 |
| Net loans and leases to deposits | 86.0520% | 1,568 |
| Net loans and leases to core deposits | 87.3133% | 2,107 |
| Total domestic deposits to total assets | 80.3400% | 3,483 |
| Equity capital to assets | 10.4341% | 1,586 |
| Core capital (leverage) ratio | 10.4324% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5702% | 2,051 |
| Memoranda: | ||
| Average total assets | $5,860,137,500 | 249 |
| Average earning assets | $5,372,517,500 | 243 |
| Average equity | $582,620,000 | 237 |
| Average total loans | $3,980,745,750 | 240 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 1,048 |
| Cost of funding earning assets | 0.4523% | 4,078 |
| Net interest margin | 4.8730% | 362 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.3060% | 2,788 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.9227% | 537 |
| Return on assets (ROA) | 1.8363% | 619 |
| Pretax return on assets | 2.5129% | 352 |
| Return on Equity (ROE) | 18.7700% | 861 |
| Retained earnings to average equity (ytd only) | 6.6324% | 2,403 |
| Net charge-offs to loans | 0.0628% | 924 |
| Credit loss provision to net charge-offs | 568.5944% | 597 |
| Earnings coverage of net charge-offs (x) | 66.4932% | 1,135 |
| Efficiency ratio | 44.2603% | 4,242 |
| Assets per employee ($millions) | 7.0262% | 1,906 |
| Cash dividends to net income (ytd only)* | 64.6699% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 1,618 |
| Loan loss allowance to noncurrent loans | 90.3336% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 424 |
| Noncurrent loans to loans | 1.5244% | 430 |
| Net loans and leases to total assets | 67.3600% | 2,025 |
| Net loans and leases to deposits | 83.7241% | 1,697 |
| Net loans and leases to core deposits | 84.8528% | 2,152 |
| Total domestic deposits to total assets | 80.4600% | 3,508 |
| Equity capital to assets | 9.8710% | 1,926 |
| Core capital (leverage) ratio | 9.7038% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8338% | 2,359 |
| Memoranda: | ||
| Average total assets | $5,894,494,000 | 246 |
| Average earning assets | $5,408,952,000 | 239 |
| Average equity | $576,593,000 | 235 |
| Average total loans | $3,963,714,333 | 233 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 1,005 |
| Cost of funding earning assets | 0.3065% | 4,180 |
| Net interest margin | 4.8530% | 346 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.3768% | 2,595 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.8429% | 624 |
| Return on assets (ROA) | 1.7532% | 737 |
| Pretax return on assets | 2.3971% | 416 |
| Return on Equity (ROE) | 18.0100% | 1,027 |
| Retained earnings to average equity (ytd only) | 18.0051% | 509 |
| Net charge-offs to loans | 0.0752% | 700 |
| Credit loss provision to net charge-offs | 628.6486% | 485 |
| Earnings coverage of net charge-offs (x) | 54.7851% | 1,067 |
| Efficiency ratio | 45.5540% | 4,245 |
| Assets per employee ($millions) | 7.1918% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 1,882 |
| Loan loss allowance to noncurrent loans | 82.7437% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 352 |
| Noncurrent loans to loans | 1.6114% | 398 |
| Net loans and leases to total assets | 66.7500% | 1,982 |
| Net loans and leases to deposits | 80.2585% | 1,800 |
| Net loans and leases to core deposits | 80.9950% | 2,183 |
| Total domestic deposits to total assets | 83.1700% | 3,264 |
| Equity capital to assets | 10.0512% | 1,794 |
| Core capital (leverage) ratio | 9.8323% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0962% | 2,356 |
| Memoranda: | ||
| Average total assets | $5,901,288,500 | 251 |
| Average earning assets | $5,438,330,500 | 244 |
| Average equity | $574,638,500 | 241 |
| Average total loans | $3,937,200,000 | 243 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 2,078 |
| Cost of funding earning assets | 0.0701% | 4,508 |
| Net interest margin | 3.7953% | 1,166 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.4124% | 2,389 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2609% | 1,563 |
| Return on assets (ROA) | 1.2485% | 1,554 |
| Pretax return on assets | 1.7002% | 915 |
| Return on Equity (ROE) | 13.0600% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.1540% | 2,586 |
| Net charge-offs to loans | 0.0426% | 1,265 |
| Credit loss provision to net charge-offs | 435.2031% | 739 |
| Earnings coverage of net charge-offs (x) | 71.2398% | 1,150 |
| Efficiency ratio | 55.9229% | 3,591 |
| Assets per employee ($millions) | 7.1841% | 1,836 |
| Cash dividends to net income (ytd only)* | 52.8828% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,000 |
| Loan loss allowance to noncurrent loans | 150.5599% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 856 |
| Noncurrent loans to loans | 0.8492% | 881 |
| Net loans and leases to total assets | 64.9400% | 2,147 |
| Net loans and leases to deposits | 74.1879% | 2,244 |
| Net loans and leases to core deposits | 74.7754% | 2,514 |
| Total domestic deposits to total assets | 87.5300% | 2,227 |
| Equity capital to assets | 9.4220% | 2,069 |
| Core capital (leverage) ratio | 9.3235% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7544% | 2,469 |
| Memoranda: | ||
| Average total assets | $6,058,195,600 | 240 |
| Average earning assets | $5,599,538,600 | 234 |
| Average equity | $579,119,000 | 245 |
| Average total loans | $3,640,927,600 | 244 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 2,580 |
| Cost of funding earning assets | 0.0504% | 4,579 |
| Net interest margin | 3.4622% | 1,772 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.3514% | 2,465 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0879% | 2,152 |
| Return on assets (ROA) | 1.0873% | 2,119 |
| Pretax return on assets | 1.4865% | 1,454 |
| Return on Equity (ROE) | 11.3300% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.9179% | 2,032 |
| Net charge-offs to loans | 0.0227% | 1,375 |
| Credit loss provision to net charge-offs | 847.2995% | 454 |
| Earnings coverage of net charge-offs (x) | 119.6612% | 848 |
| Efficiency ratio | 58.4482% | 3,333 |
| Assets per employee ($millions) | 7.3026% | 1,750 |
| Cash dividends to net income (ytd only)* | 30.1453% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,211 |
| Loan loss allowance to noncurrent loans | 92.3768% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 516 |
| Noncurrent loans to loans | 1.3661% | 530 |
| Net loans and leases to total assets | 64.0600% | 2,079 |
| Net loans and leases to deposits | 72.0567% | 2,198 |
| Net loans and leases to core deposits | 72.7443% | 2,434 |
| Total domestic deposits to total assets | 88.9000% | 2,132 |
| Equity capital to assets | 9.1893% | 2,095 |
| Core capital (leverage) ratio | 9.2414% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6378% | 2,607 |
| Memoranda: | ||
| Average total assets | $6,101,806,000 | 238 |
| Average earning assets | $5,644,792,500 | 234 |
| Average equity | $585,307,250 | 244 |
| Average total loans | $3,583,634,500 | 246 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 3,097 |
| Cost of funding earning assets | 0.0479% | 4,607 |
| Net interest margin | 3.1356% | 2,420 |
| Noninterest income to average assets | 0.7832% | 1,090 |
| Noninterest expense to average assets | 2.4169% | 2,175 |
| Loan and lease loss provision to assets | 0.0179% | 2,282 |
| Net operating income to assets | 0.9168% | 2,508 |
| Return on assets (ROA) | 0.9160% | 2,481 |
| Pretax return on assets | 1.2542% | 1,888 |
| Return on Equity (ROE) | 9.4211% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.4211% | 1,167 |
| Net charge-offs to loans | 0.0312% | 1,099 |
| Credit loss provision to net charge-offs | 303.3088% | 797 |
| Earnings coverage of net charge-offs (x) | 71.9338% | 988 |
| Efficiency ratio | 64.3295% | 2,731 |
| Assets per employee ($millions) | 7.2327% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,421 |
| Loan loss allowance to noncurrent loans | 110.7403% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 757 |
| Noncurrent loans to loans | 1.1301% | 721 |
| Net loans and leases to total assets | 59.6586% | 2,363 |
| Net loans and leases to deposits | 66.8935% | 2,478 |
| Net loans and leases to core deposits | 67.5546% | 2,694 |
| Total domestic deposits to total assets | 89.1845% | 2,095 |
| Equity capital to assets | 9.5958% | 1,943 |
| Core capital (leverage) ratio | 8.9397% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2452% | 2,396 |
| Memoranda: | ||
| Average total assets | $6,146,991,667 | 230 |
| Average earning assets | $5,698,792,000 | 232 |
| Average equity | $597,657,333 | 239 |
| Average total loans | $3,487,969,000 | 248 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0004% | 3,258 |
| Cost of funding earning assets | 0.0503% | 4,599 |
| Net interest margin | 2.9502% | 2,670 |
| Noninterest income to average assets | 0.8704% | 888 |
| Noninterest expense to average assets | 2.3822% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8972% | 2,277 |
| Return on assets (ROA) | 0.8972% | 2,278 |
| Pretax return on assets | 1.2286% | 1,704 |
| Return on Equity (ROE) | 9.1700% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.1700% | 1,223 |
| Net charge-offs to loans | 0.0343% | 958 |
| Credit loss provision to net charge-offs | 109.2150% | 968 |
| Earnings coverage of net charge-offs (x) | 65.1945% | 823 |
| Efficiency ratio | 64.7886% | 2,936 |
| Assets per employee ($millions) | 7.2114% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,366 |
| Loan loss allowance to noncurrent loans | 120.6776% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 953 |
| Noncurrent loans to loans | 1.0766% | 835 |
| Net loans and leases to total assets | 54.0882% | 2,749 |
| Net loans and leases to deposits | 60.5161% | 2,858 |
| Net loans and leases to core deposits | 61.1288% | 3,049 |
| Total domestic deposits to total assets | 89.3782% | 1,883 |
| Equity capital to assets | 9.5025% | 2,280 |
| Core capital (leverage) ratio | 8.6103% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8325% | 2,293 |
| Memoranda: | ||
| Average total assets | $6,218,918,500 | 229 |
| Average earning assets | $5,776,780,500 | 229 |
| Average equity | $608,462,500 | 239 |
| Average total loans | $3,418,565,000 | 251 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 3,901 |
| Cost of funding earning assets | 0.0773% | 4,552 |
| Net interest margin | 2.9071% | 3,424 |
| Noninterest income to average assets | 1.0282% | 945 |
| Noninterest expense to average assets | 2.5545% | 2,012 |
| Loan and lease loss provision to assets | 0.1141% | 1,102 |
| Net operating income to assets | 0.7779% | 3,397 |
| Return on assets (ROA) | 0.7827% | 3,455 |
| Pretax return on assets | 1.0677% | 3,074 |
| Return on Equity (ROE) | 7.0737% | 3,494 |
| Retained earnings to average equity (ytd only) | -3.4104% | 4,667 |
| Net charge-offs to loans | 0.1980% | 486 |
| Credit loss provision to net charge-offs | 62.8938% | 2,049 |
| Earnings coverage of net charge-offs (x) | 10.0338% | 2,226 |
| Efficiency ratio | 68.0266% | 1,971 |
| Assets per employee ($millions) | 6.9746% | 1,945 |
| Cash dividends to net income (ytd only)* | 148.2130% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,395 |
| Loan loss allowance to noncurrent loans | 99.1936% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 811 |
| Noncurrent loans to loans | 1.3027% | 729 |
| Net loans and leases to total assets | 54.4284% | 2,798 |
| Net loans and leases to deposits | 61.5952% | 2,929 |
| Net loans and leases to core deposits | 62.3758% | 3,128 |
| Total domestic deposits to total assets | 88.3646% | 1,848 |
| Equity capital to assets | 10.0661% | 2,596 |
| Core capital (leverage) ratio | 9.5802% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4599% | 2,469 |
| Memoranda: | ||
| Average total assets | $3,792,741,200 | 314 |
| Average earning assets | $3,525,049,600 | 310 |
| Average equity | $419,683,400 | 306 |
| Average total loans | $2,244,548,800 | 330 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 3,245 |
| Cost of funding earning assets | 0.0947% | 4,539 |
| Net interest margin | 3.2559% | 2,564 |
| Noninterest income to average assets | 1.1822% | 819 |
| Noninterest expense to average assets | 2.6125% | 1,806 |
| Loan and lease loss provision to assets | -0.3346% | 4,837 |
| Net operating income to assets | 1.4261% | 1,456 |
| Return on assets (ROA) | 1.4343% | 1,502 |
| Pretax return on assets | 1.9376% | 886 |
| Return on Equity (ROE) | 12.4152% | 1,900 |
| Retained earnings to average equity (ytd only) | 12.4152% | 747 |
| Net charge-offs to loans | -0.0192% | 3,945 |
| Credit loss provision to net charge-offs | 2,566.7857% | 271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7790% | 2,731 |
| Assets per employee ($millions) | 6.2646% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,844 |
| Loan loss allowance to noncurrent loans | 93.7259% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 723 |
| Noncurrent loans to loans | 1.5368% | 678 |
| Net loans and leases to total assets | 56.2813% | 2,699 |
| Net loans and leases to deposits | 65.7125% | 2,660 |
| Net loans and leases to core deposits | 66.6257% | 2,900 |
| Total domestic deposits to total assets | 85.6479% | 2,895 |
| Equity capital to assets | 11.6908% | 1,545 |
| Core capital (leverage) ratio | 10.8335% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6842% | 1,435 |
| Memoranda: | ||
| Average total assets | $3,187,323,250 | 358 |
| Average earning assets | $2,959,203,750 | 355 |
| Average equity | $368,217,750 | 342 |
| Average total loans | $1,949,014,750 | 374 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 3,217 |
| Cost of funding earning assets | 0.1029% | 4,561 |
| Net interest margin | 3.2833% | 2,501 |
| Noninterest income to average assets | 1.2143% | 788 |
| Noninterest expense to average assets | 2.6340% | 1,766 |
| Loan and lease loss provision to assets | -0.4117% | 4,883 |
| Net operating income to assets | 1.5017% | 1,285 |
| Return on assets (ROA) | 1.5018% | 1,348 |
| Pretax return on assets | 2.0370% | 772 |
| Return on Equity (ROE) | 13.0539% | 1,698 |
| Retained earnings to average equity (ytd only) | 13.0539% | 710 |
| Net charge-offs to loans | -0.0524% | 4,394 |
| Credit loss provision to net charge-offs | 1,109.0909% | 443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4930% | 2,802 |
| Assets per employee ($millions) | 6.1670% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,591 |
| Loan loss allowance to noncurrent loans | 124.9520% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 1,079 |
| Noncurrent loans to loans | 1.1999% | 1,001 |
| Net loans and leases to total assets | 57.7837% | 2,701 |
| Net loans and leases to deposits | 67.8350% | 2,632 |
| Net loans and leases to core deposits | 69.2154% | 2,848 |
| Total domestic deposits to total assets | 85.1828% | 3,024 |
| Equity capital to assets | 11.5145% | 1,620 |
| Core capital (leverage) ratio | 10.6252% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3266% | 1,522 |
| Memoranda: | ||
| Average total assets | $3,157,631,000 | 356 |
| Average earning assets | $2,928,359,333 | 354 |
| Average equity | $363,277,667 | 342 |
| Average total loans | $1,975,036,000 | 369 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 2,840 |
| Cost of funding earning assets | 0.1132% | 4,562 |
| Net interest margin | 3.4125% | 2,076 |
| Noninterest income to average assets | 1.4571% | 635 |
| Noninterest expense to average assets | 2.7312% | 1,545 |
| Loan and lease loss provision to assets | -0.3861% | 4,893 |
| Net operating income to assets | 1.6820% | 971 |
| Return on assets (ROA) | 1.6820% | 1,019 |
| Pretax return on assets | 2.2741% | 615 |
| Return on Equity (ROE) | 14.6269% | 1,293 |
| Retained earnings to average equity (ytd only) | 14.6269% | 670 |
| Net charge-offs to loans | -0.1160% | 4,678 |
| Credit loss provision to net charge-offs | 596.2199% | 557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7921% | 3,188 |
| Assets per employee ($millions) | 5.9694% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,359 |
| Loan loss allowance to noncurrent loans | 148.2242% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 1,276 |
| Noncurrent loans to loans | 1.0619% | 1,264 |
| Net loans and leases to total assets | 61.0926% | 2,392 |
| Net loans and leases to deposits | 71.8311% | 2,329 |
| Net loans and leases to core deposits | 73.3864% | 2,573 |
| Total domestic deposits to total assets | 85.0504% | 3,072 |
| Equity capital to assets | 11.4189% | 1,595 |
| Core capital (leverage) ratio | 10.7823% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7975% | 1,638 |
| Memoranda: | ||
| Average total assets | $3,108,358,000 | 361 |
| Average earning assets | $2,880,329,000 | 355 |
| Average equity | $357,451,000 | 347 |
| Average total loans | $2,007,464,000 | 366 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 2,805 |
| Cost of funding earning assets | 0.2745% | 4,277 |
| Net interest margin | 3.7003% | 1,797 |
| Noninterest income to average assets | 1.3089% | 674 |
| Noninterest expense to average assets | 2.7204% | 2,174 |
| Loan and lease loss provision to assets | 0.3653% | 913 |
| Net operating income to assets | 1.2116% | 1,513 |
| Return on assets (ROA) | 1.2109% | 1,623 |
| Pretax return on assets | 1.6248% | 1,014 |
| Return on Equity (ROE) | 10.0990% | 1,967 |
| Retained earnings to average equity (ytd only) | -1.9842% | 4,703 |
| Net charge-offs to loans | 0.0487% | 2,099 |
| Credit loss provision to net charge-offs | 936.2615% | 817 |
| Earnings coverage of net charge-offs (x) | 57.9714% | 1,088 |
| Efficiency ratio | 57.3734% | 3,805 |
| Assets per employee ($millions) | 5.7166% | 2,607 |
| Cash dividends to net income (ytd only)* | 119.6477% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,155 |
| Loan loss allowance to noncurrent loans | 149.0490% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 1,234 |
| Noncurrent loans to loans | 1.1094% | 1,281 |
| Net loans and leases to total assets | 66.0862% | 2,086 |
| Net loans and leases to deposits | 77.9056% | 2,080 |
| Net loans and leases to core deposits | 79.7680% | 2,388 |
| Total domestic deposits to total assets | 84.8285% | 2,826 |
| Equity capital to assets | 11.5837% | 1,824 |
| Core capital (leverage) ratio | 10.7407% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0030% | 1,847 |
| Memoranda: | ||
| Average total assets | $2,850,617,000 | 359 |
| Average earning assets | $2,621,150,400 | 356 |
| Average equity | $341,796,200 | 338 |
| Average total loans | $2,010,179,000 | 351 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 2,818 |
| Cost of funding earning assets | 0.3166% | 4,235 |
| Net interest margin | 3.7353% | 1,814 |
| Noninterest income to average assets | 1.3619% | 596 |
| Noninterest expense to average assets | 2.7249% | 2,186 |
| Loan and lease loss provision to assets | 0.4956% | 596 |
| Net operating income to assets | 1.1797% | 1,711 |
| Return on assets (ROA) | 1.1788% | 1,834 |
| Pretax return on assets | 1.5704% | 1,271 |
| Return on Equity (ROE) | 9.7415% | 2,117 |
| Retained earnings to average equity (ytd only) | -2.0573% | 4,707 |
| Net charge-offs to loans | 0.0616% | 1,720 |
| Credit loss provision to net charge-offs | 884.6320% | 914 |
| Earnings coverage of net charge-offs (x) | 47.0076% | 1,238 |
| Efficiency ratio | 56.4912% | 3,863 |
| Assets per employee ($millions) | 5.6568% | 2,571 |
| Cash dividends to net income (ytd only)* | 121.1191% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 1,066 |
| Loan loss allowance to noncurrent loans | 160.5913% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 1,488 |
| Noncurrent loans to loans | 1.0045% | 1,488 |
| Net loans and leases to total assets | 67.3452% | 2,342 |
| Net loans and leases to deposits | 79.6966% | 2,347 |
| Net loans and leases to core deposits | 81.8520% | 2,672 |
| Total domestic deposits to total assets | 84.5020% | 2,632 |
| Equity capital to assets | 11.7962% | 1,810 |
| Core capital (leverage) ratio | 10.9041% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4907% | 1,661 |
| Memoranda: | ||
| Average total assets | $2,801,536,250 | 354 |
| Average earning assets | $2,572,592,750 | 353 |
| Average equity | $339,008,250 | 336 |
| Average total loans | $2,000,858,500 | 351 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,683 |
| Cost of funding earning assets | 0.3674% | 4,189 |
| Net interest margin | 3.8553% | 1,680 |
| Noninterest income to average assets | 1.2276% | 670 |
| Noninterest expense to average assets | 2.7391% | 2,256 |
| Loan and lease loss provision to assets | 0.7377% | 356 |
| Net operating income to assets | 0.9768% | 2,406 |
| Return on assets (ROA) | 0.9754% | 2,542 |
| Pretax return on assets | 1.2883% | 2,073 |
| Return on Equity (ROE) | 7.9877% | 2,754 |
| Retained earnings to average equity (ytd only) | -9.9339% | 4,917 |
| Net charge-offs to loans | 0.1297% | 1,067 |
| Credit loss provision to net charge-offs | 534.8332% | 1,175 |
| Earnings coverage of net charge-offs (x) | 21.5648% | 1,651 |
| Efficiency ratio | 57.0755% | 3,803 |
| Assets per employee ($millions) | 5.4638% | 2,675 |
| Cash dividends to net income (ytd only)* | 224.3662% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,215 |
| Loan loss allowance to noncurrent loans | 163.0246% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 1,497 |
| Noncurrent loans to loans | 0.9304% | 1,661 |
| Net loans and leases to total assets | 69.2038% | 2,156 |
| Net loans and leases to deposits | 81.5908% | 2,247 |
| Net loans and leases to core deposits | 83.7876% | 2,626 |
| Total domestic deposits to total assets | 84.8181% | 2,465 |
| Equity capital to assets | 11.4586% | 2,000 |
| Core capital (leverage) ratio | 10.8558% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7069% | 1,924 |
| Memoranda: | ||
| Average total assets | $2,741,677,000 | 355 |
| Average earning assets | $2,516,887,000 | 353 |
| Average equity | $334,791,333 | 336 |
| Average total loans | $1,987,626,000 | 350 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,231 |
| Cost of funding earning assets | 0.4431% | 4,182 |
| Net interest margin | 4.0839% | 1,167 |
| Noninterest income to average assets | 0.9397% | 978 |
| Noninterest expense to average assets | 2.9859% | 1,912 |
| Loan and lease loss provision to assets | 1.2072% | 149 |
| Net operating income to assets | 0.3874% | 4,166 |
| Return on assets (ROA) | 0.3845% | 4,206 |
| Pretax return on assets | 0.4848% | 4,146 |
| Return on Equity (ROE) | 3.0447% | 4,211 |
| Retained earnings to average equity (ytd only) | -32.8741% | 5,053 |
| Net charge-offs to loans | 0.2301% | 618 |
| Credit loss provision to net charge-offs | 490.1070% | 899 |
| Earnings coverage of net charge-offs (x) | 9.9947% | 1,794 |
| Efficiency ratio | 63.3680% | 3,318 |
| Assets per employee ($millions) | 4.9223% | 2,723 |
| Cash dividends to net income (ytd only)* | 1,179.7090% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,251 |
| Loan loss allowance to noncurrent loans | 143.7353% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 1,359 |
| Noncurrent loans to loans | 1.0625% | 1,563 |
| Net loans and leases to total assets | 72.8805% | 1,787 |
| Net loans and leases to deposits | 86.6223% | 1,918 |
| Net loans and leases to core deposits | 89.3216% | 2,414 |
| Total domestic deposits to total assets | 84.1360% | 2,745 |
| Equity capital to assets | 11.9344% | 2,121 |
| Core capital (leverage) ratio | 11.3557% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0660% | 2,259 |
| Memoranda: | ||
| Average total assets | $2,645,486,500 | 353 |
| Average earning assets | $2,423,840,500 | 350 |
| Average equity | $334,086,500 | 332 |
| Average total loans | $1,950,563,000 | 345 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 2,062 |
| Cost of funding earning assets | 0.5146% | 4,026 |
| Net interest margin | 4.2785% | 1,142 |
| Noninterest income to average assets | 1.1814% | 676 |
| Noninterest expense to average assets | 2.8485% | 2,446 |
| Loan and lease loss provision to assets | 0.0609% | 2,821 |
| Net operating income to assets | 1.6392% | 758 |
| Return on assets (ROA) | 1.7748% | 590 |
| Pretax return on assets | 2.3683% | 263 |
| Return on Equity (ROE) | 13.8008% | 940 |
| Retained earnings to average equity (ytd only) | 7.8804% | 1,013 |
| Net charge-offs to loans | 0.0428% | 2,539 |
| Credit loss provision to net charge-offs | 195.8384% | 1,353 |
| Earnings coverage of net charge-offs (x) | 72.5814% | 862 |
| Efficiency ratio | 55.3854% | 4,279 |
| Assets per employee ($millions) | 4.9213% | 2,685 |
| Cash dividends to net income (ytd only)* | 42.8991% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,359 |
| Loan loss allowance to noncurrent loans | 110.3127% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 1,468 |
| Noncurrent loans to loans | 0.9276% | 1,653 |
| Net loans and leases to total assets | 72.6984% | 1,971 |
| Net loans and leases to deposits | 88.8903% | 1,713 |
| Net loans and leases to core deposits | 91.5720% | 2,271 |
| Total domestic deposits to total assets | 81.7844% | 3,568 |
| Equity capital to assets | 13.3293% | 1,350 |
| Core capital (leverage) ratio | 12.4976% | 1,488 |
| Tier 1 risk-based capital ratio | 14.3472% | 3,091 |
| Total risk-based capital ratio | 15.2274% | 3,186 |
| Memoranda: | ||
| Average total assets | $2,626,783,200 | 341 |
| Average earning assets | $2,409,432,600 | 341 |
| Average equity | $337,814,800 | 315 |
| Average total loans | $1,910,530,400 | 336 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,932 |
| Cost of funding earning assets | 0.5274% | 4,039 |
| Net interest margin | 4.3366% | 1,082 |
| Noninterest income to average assets | 1.1143% | 729 |
| Noninterest expense to average assets | 2.8464% | 2,416 |
| Loan and lease loss provision to assets | 0.0736% | 2,415 |
| Net operating income to assets | 1.6148% | 898 |
| Return on assets (ROA) | 1.7944% | 656 |
| Pretax return on assets | 2.3992% | 306 |
| Return on Equity (ROE) | 14.0815% | 966 |
| Retained earnings to average equity (ytd only) | 12.0887% | 373 |
| Net charge-offs to loans | 0.0564% | 2,023 |
| Credit loss provision to net charge-offs | 180.1242% | 1,428 |
| Earnings coverage of net charge-offs (x) | 54.9240% | 1,125 |
| Efficiency ratio | 55.4917% | 4,216 |
| Assets per employee ($millions) | 4.9081% | 2,654 |
| Cash dividends to net income (ytd only)* | 14.1519% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,390 |
| Loan loss allowance to noncurrent loans | 143.8053% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 1,945 |
| Noncurrent loans to loans | 0.7172% | 2,172 |
| Net loans and leases to total assets | 72.2205% | 2,144 |
| Net loans and leases to deposits | 90.3674% | 1,654 |
| Net loans and leases to core deposits | 93.1270% | 2,253 |
| Total domestic deposits to total assets | 79.9188% | 4,008 |
| Equity capital to assets | 13.6960% | 1,274 |
| Core capital (leverage) ratio | 12.6755% | 1,492 |
| Tier 1 risk-based capital ratio | 14.8254% | 2,938 |
| Total risk-based capital ratio | 15.7189% | 3,011 |
| Memoranda: | ||
| Average total assets | $2,625,251,000 | 344 |
| Average earning assets | $2,407,973,750 | 343 |
| Average equity | $334,531,000 | 320 |
| Average total loans | $1,904,694,750 | 338 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 1,945 |
| Cost of funding earning assets | 0.5362% | 3,948 |
| Net interest margin | 4.3016% | 1,143 |
| Noninterest income to average assets | 1.0320% | 819 |
| Noninterest expense to average assets | 2.8341% | 2,472 |
| Loan and lease loss provision to assets | 0.0684% | 2,450 |
| Net operating income to assets | 1.5546% | 1,003 |
| Return on assets (ROA) | 1.6155% | 916 |
| Pretax return on assets | 2.1571% | 491 |
| Return on Equity (ROE) | 12.9992% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.9396% | 775 |
| Net charge-offs to loans | 0.0561% | 1,840 |
| Credit loss provision to net charge-offs | 168.5393% | 1,370 |
| Earnings coverage of net charge-offs (x) | 52.9082% | 1,058 |
| Efficiency ratio | 56.4933% | 4,191 |
| Assets per employee ($millions) | 4.9212% | 2,580 |
| Cash dividends to net income (ytd only)* | 23.5372% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,527 |
| Loan loss allowance to noncurrent loans | 134.1087% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 1,812 |
| Noncurrent loans to loans | 0.7570% | 2,089 |
| Net loans and leases to total assets | 72.1416% | 2,198 |
| Net loans and leases to deposits | 90.3662% | 1,693 |
| Net loans and leases to core deposits | 92.8715% | 2,335 |
| Total domestic deposits to total assets | 79.8326% | 4,067 |
| Equity capital to assets | 13.0567% | 1,562 |
| Core capital (leverage) ratio | 11.9802% | 1,843 |
| Tier 1 risk-based capital ratio | 13.9626% | 3,340 |
| Total risk-based capital ratio | 14.8309% | 3,436 |
| Memoranda: | ||
| Average total assets | $2,629,967,330 | 344 |
| Average earning assets | $2,415,451,670 | 344 |
| Average equity | $326,835,670 | 325 |
| Average total loans | $1,904,458,670 | 342 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 2,006 |
| Cost of funding earning assets | 0.5361% | 3,888 |
| Net interest margin | 4.2302% | 1,241 |
| Noninterest income to average assets | 0.9911% | 830 |
| Noninterest expense to average assets | 2.7899% | 2,602 |
| Loan and lease loss provision to assets | 0.0683% | 2,302 |
| Net operating income to assets | 1.5279% | 1,057 |
| Return on assets (ROA) | 1.5312% | 1,073 |
| Pretax return on assets | 2.0249% | 615 |
| Return on Equity (ROE) | 12.6387% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.3757% | 2,285 |
| Net charge-offs to loans | 0.0294% | 1,871 |
| Credit loss provision to net charge-offs | 321.4286% | 789 |
| Earnings coverage of net charge-offs (x) | 98.3357% | 674 |
| Efficiency ratio | 56.7710% | 4,245 |
| Assets per employee ($millions) | 5.0010% | 2,517 |
| Cash dividends to net income (ytd only)* | 49.5540% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,608 |
| Loan loss allowance to noncurrent loans | 123.6620% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 1,684 |
| Noncurrent loans to loans | 0.8198% | 2,005 |
| Net loans and leases to total assets | 72.2445% | 2,112 |
| Net loans and leases to deposits | 88.4735% | 1,810 |
| Net loans and leases to core deposits | 91.0934% | 2,391 |
| Total domestic deposits to total assets | 81.6567% | 3,815 |
| Equity capital to assets | 12.4563% | 1,761 |
| Core capital (leverage) ratio | 11.5356% | 2,114 |
| Tier 1 risk-based capital ratio | 13.5993% | 3,558 |
| Total risk-based capital ratio | 14.4738% | 3,660 |
| Memoranda: | ||
| Average total assets | $2,635,920,000 | 350 |
| Average earning assets | $2,422,690,500 | 346 |
| Average equity | $319,337,000 | 334 |
| Average total loans | $1,902,645,500 | 344 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,971 |
| Cost of funding earning assets | 0.4407% | 3,733 |
| Net interest margin | 4.2155% | 1,357 |
| Noninterest income to average assets | 1.2366% | 608 |
| Noninterest expense to average assets | 2.9000% | 2,355 |
| Loan and lease loss provision to assets | 0.0487% | 3,208 |
| Net operating income to assets | 1.6257% | 822 |
| Return on assets (ROA) | 1.6370% | 795 |
| Pretax return on assets | 2.1638% | 385 |
| Return on Equity (ROE) | 14.4125% | 957 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,411 |
| Net charge-offs to loans | -0.0099% | 4,487 |
| Credit loss provision to net charge-offs | -701.7143% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5810% | 4,331 |
| Assets per employee ($millions) | 5.1377% | 2,341 |
| Cash dividends to net income (ytd only)* | 72.7079% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,686 |
| Loan loss allowance to noncurrent loans | 112.3087% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 1,531 |
| Noncurrent loans to loans | 0.8907% | 1,808 |
| Net loans and leases to total assets | 70.6796% | 2,466 |
| Net loans and leases to deposits | 88.4882% | 1,992 |
| Net loans and leases to core deposits | 91.3515% | 2,465 |
| Total domestic deposits to total assets | 79.8746% | 4,133 |
| Equity capital to assets | 11.7799% | 2,047 |
| Core capital (leverage) ratio | 11.3617% | 2,213 |
| Tier 1 risk-based capital ratio | 13.2903% | 3,664 |
| Total risk-based capital ratio | 14.1446% | 3,798 |
| Memoranda: | ||
| Average total assets | $2,520,577,800 | 357 |
| Average earning assets | $2,308,999,000 | 353 |
| Average equity | $286,286,800 | 352 |
| Average total loans | $1,763,633,400 | 360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,981 |
| Cost of funding earning assets | 0.4172% | 3,743 |
| Net interest margin | 4.1803% | 1,413 |
| Noninterest income to average assets | 1.3246% | 544 |
| Noninterest expense to average assets | 2.9831% | 2,057 |
| Loan and lease loss provision to assets | 0.0391% | 3,223 |
| Net operating income to assets | 1.6209% | 924 |
| Return on assets (ROA) | 1.6361% | 884 |
| Pretax return on assets | 2.1507% | 431 |
| Return on Equity (ROE) | 14.5498% | 970 |
| Retained earnings to average equity (ytd only) | 0.2381% | 4,998 |
| Net charge-offs to loans | -0.0768% | 5,085 |
| Credit loss provision to net charge-offs | -73.0924% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6196% | 4,174 |
| Assets per employee ($millions) | 4.9485% | 2,534 |
| Cash dividends to net income (ytd only)* | 98.3639% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,456 |
| Loan loss allowance to noncurrent loans | 129.6746% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,761 |
| Noncurrent loans to loans | 0.8110% | 2,082 |
| Net loans and leases to total assets | 69.9989% | 2,649 |
| Net loans and leases to deposits | 84.9077% | 2,489 |
| Net loans and leases to core deposits | 87.6549% | 2,862 |
| Total domestic deposits to total assets | 82.4412% | 3,479 |
| Equity capital to assets | 11.5438% | 2,231 |
| Core capital (leverage) ratio | 11.0543% | 2,528 |
| Tier 1 risk-based capital ratio | 13.2632% | 3,749 |
| Total risk-based capital ratio | 14.1624% | 3,860 |
| Memoranda: | ||
| Average total assets | $2,485,394,500 | 361 |
| Average earning assets | $2,276,526,500 | 356 |
| Average equity | $279,483,750 | 351 |
| Average total loans | $1,729,539,000 | 364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 2,121 |
| Cost of funding earning assets | 0.3869% | 3,825 |
| Net interest margin | 4.1025% | 1,549 |
| Noninterest income to average assets | 1.3405% | 535 |
| Noninterest expense to average assets | 3.0530% | 1,900 |
| Loan and lease loss provision to assets | 0.0595% | 2,716 |
| Net operating income to assets | 1.5303% | 1,075 |
| Return on assets (ROA) | 1.5527% | 1,034 |
| Pretax return on assets | 2.0157% | 585 |
| Return on Equity (ROE) | 13.9388% | 1,088 |
| Retained earnings to average equity (ytd only) | -8.0652% | 5,383 |
| Net charge-offs to loans | -0.1169% | 5,209 |
| Credit loss provision to net charge-offs | -73.5354% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6757% | 3,977 |
| Assets per employee ($millions) | 4.9826% | 2,442 |
| Cash dividends to net income (ytd only)* | 157.8615% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,581 |
| Loan loss allowance to noncurrent loans | 124.4589% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 1,619 |
| Noncurrent loans to loans | 0.8372% | 2,052 |
| Net loans and leases to total assets | 69.7522% | 2,613 |
| Net loans and leases to deposits | 84.6484% | 2,459 |
| Net loans and leases to core deposits | 86.9970% | 2,820 |
| Total domestic deposits to total assets | 82.4023% | 3,591 |
| Equity capital to assets | 11.0395% | 2,602 |
| Core capital (leverage) ratio | 10.7509% | 2,752 |
| Tier 1 risk-based capital ratio | 12.6193% | 4,112 |
| Total risk-based capital ratio | 13.5091% | 4,211 |
| Memoranda: | ||
| Average total assets | $2,447,877,670 | 361 |
| Average earning assets | $2,243,093,000 | 359 |
| Average equity | $272,678,000 | 355 |
| Average total loans | $1,693,431,670 | 369 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,595 |
| Cost of funding earning assets | 0.3567% | 3,936 |
| Net interest margin | 3.9248% | 1,948 |
| Noninterest income to average assets | 1.4308% | 461 |
| Noninterest expense to average assets | 2.8102% | 2,657 |
| Loan and lease loss provision to assets | -0.1226% | 5,522 |
| Net operating income to assets | 1.8087% | 556 |
| Return on assets (ROA) | 1.8134% | 554 |
| Pretax return on assets | 2.3463% | 293 |
| Return on Equity (ROE) | 16.1984% | 591 |
| Retained earnings to average equity (ytd only) | 16.1984% | 237 |
| Net charge-offs to loans | -0.3241% | 5,455 |
| Credit loss provision to net charge-offs | 55.2410% | 1,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8204% | 4,605 |
| Assets per employee ($millions) | 5.0801% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,182 |
| Loan loss allowance to noncurrent loans | 158.7224% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,999 |
| Noncurrent loans to loans | 0.7143% | 2,427 |
| Net loans and leases to total assets | 67.5778% | 2,816 |
| Net loans and leases to deposits | 79.9864% | 2,812 |
| Net loans and leases to core deposits | 82.5095% | 3,103 |
| Total domestic deposits to total assets | 84.4866% | 3,123 |
| Equity capital to assets | 11.3324% | 2,271 |
| Core capital (leverage) ratio | 11.1891% | 2,256 |
| Tier 1 risk-based capital ratio | 13.5616% | 3,623 |
| Total risk-based capital ratio | 14.5095% | 3,711 |
| Memoranda: | ||
| Average total assets | $2,356,412,500 | 376 |
| Average earning assets | $2,159,720,500 | 372 |
| Average equity | $263,803,500 | 368 |
| Average total loans | $1,612,963,500 | 388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,880 |
| Cost of funding earning assets | 0.2819% | 4,299 |
| Net interest margin | 3.8689% | 2,188 |
| Noninterest income to average assets | 1.2218% | 701 |
| Noninterest expense to average assets | 2.8021% | 2,767 |
| Loan and lease loss provision to assets | 0.0777% | 2,643 |
| Net operating income to assets | 1.0374% | 2,102 |
| Return on assets (ROA) | 1.0505% | 2,082 |
| Pretax return on assets | 1.8783% | 633 |
| Return on Equity (ROE) | 9.9241% | 1,923 |
| Retained earnings to average equity (ytd only) | 9.9241% | 359 |
| Net charge-offs to loans | 0.0321% | 3,152 |
| Credit loss provision to net charge-offs | 362.1730% | 814 |
| Earnings coverage of net charge-offs (x) | 90.2294% | 698 |
| Efficiency ratio | 59.0574% | 4,403 |
| Assets per employee ($millions) | 5.2574% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,469 |
| Loan loss allowance to noncurrent loans | 119.3017% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 1,591 |
| Noncurrent loans to loans | 0.9025% | 1,971 |
| Net loans and leases to total assets | 67.8084% | 2,848 |
| Net loans and leases to deposits | 82.4399% | 2,679 |
| Net loans and leases to core deposits | 85.1809% | 2,971 |
| Total domestic deposits to total assets | 82.2519% | 3,801 |
| Equity capital to assets | 11.0590% | 2,573 |
| Core capital (leverage) ratio | 10.7904% | 2,548 |
| Tier 1 risk-based capital ratio | 12.8829% | 3,983 |
| Total risk-based capital ratio | 13.7845% | 4,084 |
| Memoranda: | ||
| Average total assets | $2,316,910,400 | 367 |
| Average earning assets | $2,105,429,200 | 365 |
| Average equity | $245,241,200 | 381 |
| Average total loans | $1,547,657,800 | 387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,879 |
| Cost of funding earning assets | 0.2715% | 4,393 |
| Net interest margin | 3.8579% | 2,193 |
| Noninterest income to average assets | 1.2052% | 719 |
| Noninterest expense to average assets | 2.8593% | 2,535 |
| Loan and lease loss provision to assets | 0.0607% | 2,864 |
| Net operating income to assets | 1.2201% | 1,609 |
| Return on assets (ROA) | 1.2136% | 1,667 |
| Pretax return on assets | 1.7754% | 939 |
| Return on Equity (ROE) | 11.5984% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.5984% | 332 |
| Net charge-offs to loans | 0.0648% | 2,191 |
| Credit loss provision to net charge-offs | 141.3190% | 1,764 |
| Earnings coverage of net charge-offs (x) | 42.9395% | 1,233 |
| Efficiency ratio | 60.6807% | 4,091 |
| Assets per employee ($millions) | 5.1883% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,897 |
| Loan loss allowance to noncurrent loans | 107.6636% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 1,625 |
| Noncurrent loans to loans | 0.9583% | 2,009 |
| Net loans and leases to total assets | 67.4964% | 2,922 |
| Net loans and leases to deposits | 82.6147% | 2,709 |
| Net loans and leases to core deposits | 85.3554% | 3,021 |
| Total domestic deposits to total assets | 81.7002% | 3,868 |
| Equity capital to assets | 10.9513% | 2,909 |
| Core capital (leverage) ratio | 10.6301% | 2,848 |
| Tier 1 risk-based capital ratio | 12.6665% | 4,229 |
| Total risk-based capital ratio | 13.5241% | 4,349 |
| Memoranda: | ||
| Average total assets | $2,304,681,750 | 368 |
| Average earning assets | $2,090,772,750 | 367 |
| Average equity | $241,142,500 | 387 |
| Average total loans | $1,529,150,000 | 389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,764 |
| Cost of funding earning assets | 0.2615% | 4,448 |
| Net interest margin | 3.8599% | 2,063 |
| Noninterest income to average assets | 1.2148% | 700 |
| Noninterest expense to average assets | 2.9597% | 2,236 |
| Loan and lease loss provision to assets | 0.0654% | 2,663 |
| Net operating income to assets | 1.1270% | 1,866 |
| Return on assets (ROA) | 1.1114% | 1,971 |
| Pretax return on assets | 1.6653% | 1,139 |
| Return on Equity (ROE) | 10.7935% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.7935% | 470 |
| Net charge-offs to loans | 0.1423% | 1,304 |
| Credit loss provision to net charge-offs | 69.9627% | 2,376 |
| Earnings coverage of net charge-offs (x) | 18.7584% | 1,862 |
| Efficiency ratio | 62.6968% | 3,864 |
| Assets per employee ($millions) | 5.0684% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,991 |
| Loan loss allowance to noncurrent loans | 107.8526% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 1,518 |
| Noncurrent loans to loans | 0.9503% | 2,056 |
| Net loans and leases to total assets | 65.8786% | 3,124 |
| Net loans and leases to deposits | 79.1019% | 3,012 |
| Net loans and leases to core deposits | 81.8656% | 3,266 |
| Total domestic deposits to total assets | 83.2832% | 3,474 |
| Equity capital to assets | 10.5979% | 3,232 |
| Core capital (leverage) ratio | 10.2344% | 3,227 |
| Tier 1 risk-based capital ratio | 12.4575% | 4,329 |
| Total risk-based capital ratio | 13.2980% | 4,483 |
| Memoranda: | ||
| Average total assets | $2,292,933,330 | 370 |
| Average earning assets | $2,078,503,330 | 372 |
| Average equity | $236,105,670 | 394 |
| Average total loans | $1,506,922,670 | 392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 2,939 |
| Cost of funding earning assets | 0.2546% | 4,498 |
| Net interest margin | 3.7725% | 2,210 |
| Noninterest income to average assets | 1.1943% | 716 |
| Noninterest expense to average assets | 2.9760% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0643% | 2,012 |
| Return on assets (ROA) | 1.0488% | 2,125 |
| Pretax return on assets | 1.6044% | 1,224 |
| Return on Equity (ROE) | 10.3394% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.3394% | 739 |
| Net charge-offs to loans | 0.1121% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.2446% | 1,421 |
| Efficiency ratio | 64.5406% | 3,743 |
| Assets per employee ($millions) | 5.1206% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,959 |
| Loan loss allowance to noncurrent loans | 134.4236% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 1,649 |
| Noncurrent loans to loans | 0.7849% | 2,495 |
| Net loans and leases to total assets | 63.3603% | 3,350 |
| Net loans and leases to deposits | 75.2341% | 3,277 |
| Net loans and leases to core deposits | 77.8749% | 3,479 |
| Total domestic deposits to total assets | 84.2175% | 3,388 |
| Equity capital to assets | 10.1042% | 3,616 |
| Core capital (leverage) ratio | 10.1382% | 3,329 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,409 |
| Total risk-based capital ratio | 13.3268% | 4,562 |
| Memoranda: | ||
| Average total assets | $2,278,742,000 | 374 |
| Average earning assets | $2,059,775,000 | 372 |
| Average equity | $231,153,500 | 396 |
| Average total loans | $1,487,840,500 | 396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 3,778 |
| Cost of funding earning assets | 0.2376% | 4,676 |
| Net interest margin | 3.6007% | 3,062 |
| Noninterest income to average assets | 1.3791% | 605 |
| Noninterest expense to average assets | 2.9814% | 2,401 |
| Loan and lease loss provision to assets | 0.0353% | 3,660 |
| Net operating income to assets | 1.0103% | 2,309 |
| Return on assets (ROA) | 0.9436% | 2,723 |
| Pretax return on assets | 1.4963% | 1,594 |
| Return on Equity (ROE) | 9.2773% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.2773% | 528 |
| Net charge-offs to loans | 0.0664% | 2,745 |
| Credit loss provision to net charge-offs | 92.0245% | 2,764 |
| Earnings coverage of net charge-offs (x) | 42.5951% | 1,133 |
| Efficiency ratio | 64.5519% | 3,845 |
| Assets per employee ($millions) | 4.7700% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,772 |
| Loan loss allowance to noncurrent loans | 105.7253% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,469 |
| Noncurrent loans to loans | 1.0300% | 2,021 |
| Net loans and leases to total assets | 65.8808% | 3,089 |
| Net loans and leases to deposits | 77.4970% | 3,160 |
| Net loans and leases to core deposits | 80.3886% | 3,363 |
| Total domestic deposits to total assets | 85.0107% | 3,039 |
| Equity capital to assets | 10.1855% | 3,501 |
| Core capital (leverage) ratio | 10.2364% | 3,185 |
| Tier 1 risk-based capital ratio | 12.5491% | 4,355 |
| Total risk-based capital ratio | 13.4657% | 4,445 |
| Memoranda: | ||
| Average total assets | $2,121,983,400 | 378 |
| Average earning assets | $1,908,397,200 | 379 |
| Average equity | $215,817,200 | 407 |
| Average total loans | $1,227,731,000 | 435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,045 |
| Cost of funding earning assets | 0.2315% | 4,781 |
| Net interest margin | 3.5289% | 3,362 |
| Noninterest income to average assets | 1.3389% | 655 |
| Noninterest expense to average assets | 2.9873% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9647% | 2,591 |
| Return on assets (ROA) | 0.8825% | 3,120 |
| Pretax return on assets | 1.3927% | 2,059 |
| Return on Equity (ROE) | 8.6801% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.6801% | 916 |
| Net charge-offs to loans | 0.1421% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.2823% | 1,944 |
| Efficiency ratio | 66.2584% | 3,550 |
| Assets per employee ($millions) | 4.5477% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,006 |
| Loan loss allowance to noncurrent loans | 87.0143% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 1,200 |
| Noncurrent loans to loans | 1.4271% | 1,520 |
| Net loans and leases to total assets | 56.9622% | 4,199 |
| Net loans and leases to deposits | 65.9366% | 4,351 |
| Net loans and leases to core deposits | 68.3364% | 4,435 |
| Total domestic deposits to total assets | 86.3892% | 2,175 |
| Equity capital to assets | 10.7275% | 3,334 |
| Core capital (leverage) ratio | 10.6493% | 2,826 |
| Tier 1 risk-based capital ratio | 15.2171% | 2,944 |
| Total risk-based capital ratio | 16.2375% | 2,986 |
| Memoranda: | ||
| Average total assets | $2,095,576,000 | 382 |
| Average earning assets | $1,882,262,500 | 385 |
| Average equity | $213,048,250 | 411 |
| Average total loans | $1,163,732,000 | 452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,125 |
| Cost of funding earning assets | 0.2254% | 4,884 |
| Net interest margin | 3.5255% | 3,388 |
| Noninterest income to average assets | 1.2093% | 772 |
| Noninterest expense to average assets | 2.9558% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8956% | 2,884 |
| Return on assets (ROA) | 0.8918% | 3,026 |
| Pretax return on assets | 1.4119% | 1,978 |
| Return on Equity (ROE) | 8.9363% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.9363% | 869 |
| Net charge-offs to loans | 0.0698% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 37.0648% | 1,211 |
| Efficiency ratio | 67.5841% | 3,431 |
| Assets per employee ($millions) | 4.7601% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,503 |
| Loan loss allowance to noncurrent loans | 86.6484% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6147% | 1,140 |
| Noncurrent loans to loans | 1.5650% | 1,374 |
| Net loans and leases to total assets | 53.8491% | 4,526 |
| Net loans and leases to deposits | 63.5370% | 4,527 |
| Net loans and leases to core deposits | 65.8918% | 4,618 |
| Total domestic deposits to total assets | 84.7522% | 2,981 |
| Equity capital to assets | 10.2510% | 3,913 |
| Core capital (leverage) ratio | 10.2641% | 3,252 |
| Tier 1 risk-based capital ratio | 14.6685% | 3,220 |
| Total risk-based capital ratio | 15.7402% | 3,254 |
| Memoranda: | ||
| Average total assets | $2,096,785,330 | 384 |
| Average earning assets | $1,881,876,670 | 386 |
| Average equity | $209,260,000 | 416 |
| Average total loans | $1,149,442,000 | 455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,058 |
| Cost of funding earning assets | 0.2220% | 4,978 |
| Net interest margin | 3.5487% | 3,289 |
| Noninterest income to average assets | 1.1363% | 848 |
| Noninterest expense to average assets | 2.9559% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8530% | 2,980 |
| Return on assets (ROA) | 0.8455% | 3,136 |
| Pretax return on assets | 1.3496% | 2,093 |
| Return on Equity (ROE) | 8.5915% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.5915% | 1,230 |
| Net charge-offs to loans | -0.0081% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4678% | 3,383 |
| Assets per employee ($millions) | 4.7063% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,339 |
| Loan loss allowance to noncurrent loans | 117.0630% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 1,352 |
| Noncurrent loans to loans | 1.2120% | 2,002 |
| Net loans and leases to total assets | 53.7763% | 4,472 |
| Net loans and leases to deposits | 61.7305% | 4,595 |
| Net loans and leases to core deposits | 64.0040% | 4,692 |
| Total domestic deposits to total assets | 87.1147% | 2,147 |
| Equity capital to assets | 9.8107% | 4,328 |
| Core capital (leverage) ratio | 10.0413% | 3,487 |
| Tier 1 risk-based capital ratio | 14.3700% | 3,458 |
| Total risk-based capital ratio | 15.4901% | 3,473 |
| Memoranda: | ||
| Average total assets | $2,076,526,000 | 386 |
| Average earning assets | $1,861,318,000 | 391 |
| Average equity | $204,342,500 | 421 |
| Average total loans | $1,140,793,000 | 458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,231 |
| Cost of funding earning assets | 0.2181% | 5,113 |
| Net interest margin | 3.5221% | 3,444 |
| Noninterest income to average assets | 1.2201% | 803 |
| Noninterest expense to average assets | 3.0256% | 2,458 |
| Loan and lease loss provision to assets | -0.2149% | 5,998 |
| Net operating income to assets | 0.9612% | 2,570 |
| Return on assets (ROA) | 0.9556% | 2,667 |
| Pretax return on assets | 1.5293% | 1,466 |
| Return on Equity (ROE) | 8.0329% | 2,942 |
| Retained earnings to average equity (ytd only) | -25.9464% | 6,130 |
| Net charge-offs to loans | 0.0880% | 2,563 |
| Credit loss provision to net charge-offs | -433.9250% | 5,414 |
| Earnings coverage of net charge-offs (x) | 26.7199% | 1,575 |
| Efficiency ratio | 69.5747% | 3,293 |
| Assets per employee ($millions) | 4.5645% | 2,935 |
| Cash dividends to net income (ytd only)* | 423.0007% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 2,305 |
| Loan loss allowance to noncurrent loans | 112.2311% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 1,200 |
| Noncurrent loans to loans | 1.2718% | 1,855 |
| Net loans and leases to total assets | 54.5435% | 4,445 |
| Net loans and leases to deposits | 62.4903% | 4,595 |
| Net loans and leases to core deposits | 64.9003% | 4,681 |
| Total domestic deposits to total assets | 87.2832% | 1,994 |
| Equity capital to assets | 9.8711% | 4,113 |
| Core capital (leverage) ratio | 9.9420% | 3,595 |
| Tier 1 risk-based capital ratio | 14.1022% | 3,659 |
| Total risk-based capital ratio | 15.2334% | 3,651 |
| Memoranda: | ||
| Average total assets | $2,047,726,800 | 375 |
| Average earning assets | $1,818,987,800 | 380 |
| Average equity | $243,609,800 | 356 |
| Average total loans | $1,152,195,400 | 428 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,263 |
| Cost of funding earning assets | 0.2164% | 5,221 |
| Net interest margin | 3.5323% | 3,419 |
| Noninterest income to average assets | 1.1416% | 919 |
| Noninterest expense to average assets | 3.0148% | 2,475 |
| Loan and lease loss provision to assets | -0.2867% | 6,148 |
| Net operating income to assets | 0.9658% | 2,641 |
| Return on assets (ROA) | 0.9584% | 2,766 |
| Pretax return on assets | 1.5341% | 1,587 |
| Return on Equity (ROE) | 7.7259% | 3,221 |
| Retained earnings to average equity (ytd only) | -19.9971% | 6,201 |
| Net charge-offs to loans | 0.0720% | 2,533 |
| Credit loss provision to net charge-offs | -705.1282% | 5,431 |
| Earnings coverage of net charge-offs (x) | 30.9631% | 1,464 |
| Efficiency ratio | 70.5414% | 3,125 |
| Assets per employee ($millions) | 4.4931% | 3,021 |
| Cash dividends to net income (ytd only)* | 358.8318% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,321 |
| Loan loss allowance to noncurrent loans | 91.1600% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.1060% | 938 |
| Noncurrent loans to loans | 1.6031% | 1,543 |
| Net loans and leases to total assets | 55.2810% | 4,427 |
| Net loans and leases to deposits | 64.9347% | 4,474 |
| Net loans and leases to core deposits | 67.5658% | 4,576 |
| Total domestic deposits to total assets | 85.1331% | 2,956 |
| Equity capital to assets | 11.3517% | 2,642 |
| Core capital (leverage) ratio | 11.2581% | 2,235 |
| Tier 1 risk-based capital ratio | 15.9389% | 2,824 |
| Total risk-based capital ratio | 17.1033% | 2,806 |
| Memoranda: | ||
| Average total assets | $2,046,150,500 | 379 |
| Average earning assets | $1,814,355,750 | 383 |
| Average equity | $253,823,250 | 350 |
| Average total loans | $1,156,103,250 | 431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,305 |
| Cost of funding earning assets | 0.2149% | 5,306 |
| Net interest margin | 3.5182% | 3,425 |
| Noninterest income to average assets | 1.3072% | 712 |
| Noninterest expense to average assets | 3.1560% | 2,105 |
| Loan and lease loss provision to assets | -0.2241% | 6,194 |
| Net operating income to assets | 0.9400% | 2,687 |
| Return on assets (ROA) | 0.9324% | 2,840 |
| Pretax return on assets | 1.4829% | 1,694 |
| Return on Equity (ROE) | 7.3122% | 3,430 |
| Retained earnings to average equity (ytd only) | -8.5630% | 6,148 |
| Net charge-offs to loans | 0.1748% | 1,410 |
| Credit loss provision to net charge-offs | -226.3780% | 5,049 |
| Earnings coverage of net charge-offs (x) | 12.8356% | 2,176 |
| Efficiency ratio | 71.2962% | 3,113 |
| Assets per employee ($millions) | 4.3454% | 3,222 |
| Cash dividends to net income (ytd only)* | 217.1055% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 2,003 |
| Loan loss allowance to noncurrent loans | 96.5483% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.4942% | 758 |
| Noncurrent loans to loans | 1.6287% | 1,606 |
| Net loans and leases to total assets | 56.1493% | 4,322 |
| Net loans and leases to deposits | 66.6383% | 4,274 |
| Net loans and leases to core deposits | 68.8258% | 4,426 |
| Total domestic deposits to total assets | 84.2599% | 3,462 |
| Equity capital to assets | 12.7219% | 1,530 |
| Core capital (leverage) ratio | 12.3332% | 1,468 |
| Tier 1 risk-based capital ratio | 17.4231% | 2,245 |
| Total risk-based capital ratio | 18.6811% | 2,199 |
| Memoranda: | ||
| Average total assets | $2,052,743,330 | 379 |
| Average earning assets | $1,820,005,330 | 385 |
| Average equity | $261,755,000 | 341 |
| Average total loans | $1,162,534,000 | 429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,410 |
| Cost of funding earning assets | 0.2180% | 5,336 |
| Net interest margin | 3.4710% | 3,549 |
| Noninterest income to average assets | 1.3273% | 650 |
| Noninterest expense to average assets | 3.0201% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8810% | 2,838 |
| Return on assets (ROA) | 0.8675% | 3,031 |
| Pretax return on assets | 1.3647% | 2,022 |
| Return on Equity (ROE) | 6.7951% | 3,613 |
| Retained earnings to average equity (ytd only) | -24.8387% | 6,307 |
| Net charge-offs to loans | 0.1571% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.6360% | 1,614 |
| Efficiency ratio | 68.5460% | 3,733 |
| Assets per employee ($millions) | 4.3238% | 3,337 |
| Cash dividends to net income (ytd only)* | 465.5389% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 1,433 |
| Loan loss allowance to noncurrent loans | 91.9035% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.8191% | 701 |
| Noncurrent loans to loans | 1.9901% | 1,314 |
| Net loans and leases to total assets | 54.7798% | 4,342 |
| Net loans and leases to deposits | 64.8102% | 4,287 |
| Net loans and leases to core deposits | 67.0689% | 4,422 |
| Total domestic deposits to total assets | 84.5234% | 3,611 |
| Equity capital to assets | 12.2820% | 1,829 |
| Core capital (leverage) ratio | 12.1463% | 1,550 |
| Tier 1 risk-based capital ratio | 16.9113% | 2,517 |
| Total risk-based capital ratio | 18.1756% | 2,461 |
| Memoranda: | ||
| Average total assets | $2,057,936,000 | 379 |
| Average earning assets | $1,825,319,500 | 381 |
| Average equity | $262,719,000 | 338 |
| Average total loans | $1,161,255,500 | 428 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,249 |
| Cost of funding earning assets | 0.2996% | 4,804 |
| Net interest margin | 3.5694% | 3,521 |
| Noninterest income to average assets | 1.0604% | 1,080 |
| Noninterest expense to average assets | 3.2986% | 1,930 |
| Loan and lease loss provision to assets | -0.1633% | 6,246 |
| Net operating income to assets | 0.6568% | 4,105 |
| Return on assets (ROA) | 0.7113% | 3,941 |
| Pretax return on assets | 1.1104% | 3,043 |
| Return on Equity (ROE) | 5.4496% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.4496% | 2,297 |
| Net charge-offs to loans | 0.2069% | 2,012 |
| Credit loss provision to net charge-offs | -140.7850% | 5,571 |
| Earnings coverage of net charge-offs (x) | 7.4305% | 3,033 |
| Efficiency ratio | 77.8814% | 2,224 |
| Assets per employee ($millions) | 4.2071% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 1,403 |
| Loan loss allowance to noncurrent loans | 80.3573% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.8870% | 726 |
| Noncurrent loans to loans | 2.3124% | 1,127 |
| Net loans and leases to total assets | 56.0063% | 4,331 |
| Net loans and leases to deposits | 67.5239% | 4,172 |
| Net loans and leases to core deposits | 69.8405% | 4,342 |
| Total domestic deposits to total assets | 82.9430% | 4,100 |
| Equity capital to assets | 13.2586% | 1,245 |
| Core capital (leverage) ratio | 12.0171% | 1,603 |
| Tier 1 risk-based capital ratio | 17.4612% | 2,332 |
| Total risk-based capital ratio | 18.7152% | 2,296 |
| Memoranda: | ||
| Average total assets | $2,020,504,600 | 369 |
| Average earning assets | $1,754,892,200 | 379 |
| Average equity | $263,706,600 | 319 |
| Average total loans | $1,132,967,200 | 414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,341 |
| Cost of funding earning assets | 0.3194% | 4,679 |
| Net interest margin | 3.5380% | 3,682 |
| Noninterest income to average assets | 1.1331% | 940 |
| Noninterest expense to average assets | 3.3516% | 1,788 |
| Loan and lease loss provision to assets | -0.1323% | 6,328 |
| Net operating income to assets | 0.6081% | 4,413 |
| Return on assets (ROA) | 0.6698% | 4,201 |
| Pretax return on assets | 1.0699% | 3,300 |
| Return on Equity (ROE) | 5.1525% | 4,650 |
| Retained earnings to average equity (ytd only) | 5.1525% | 2,985 |
| Net charge-offs to loans | 0.2312% | 1,663 |
| Credit loss provision to net charge-offs | -102.5115% | 5,460 |
| Earnings coverage of net charge-offs (x) | 6.5182% | 3,071 |
| Efficiency ratio | 78.0793% | 2,172 |
| Assets per employee ($millions) | 4.1230% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 1,184 |
| Loan loss allowance to noncurrent loans | 73.9414% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.5998% | 584 |
| Noncurrent loans to loans | 2.7573% | 1,018 |
| Net loans and leases to total assets | 55.7136% | 4,369 |
| Net loans and leases to deposits | 67.2803% | 4,210 |
| Net loans and leases to core deposits | 69.6724% | 4,356 |
| Total domestic deposits to total assets | 82.8082% | 4,205 |
| Equity capital to assets | 13.2586% | 1,296 |
| Core capital (leverage) ratio | 11.6728% | 1,923 |
| Tier 1 risk-based capital ratio | 17.2155% | 2,519 |
| Total risk-based capital ratio | 18.4715% | 2,476 |
| Memoranda: | ||
| Average total assets | $2,015,524,500 | 365 |
| Average earning assets | $1,743,110,500 | 375 |
| Average equity | $262,000,500 | 318 |
| Average total loans | $1,125,108,000 | 415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 4,425 |
| Cost of funding earning assets | 0.3364% | 4,573 |
| Net interest margin | 3.4904% | 3,820 |
| Noninterest income to average assets | 1.2271% | 778 |
| Noninterest expense to average assets | 3.4639% | 1,545 |
| Loan and lease loss provision to assets | -0.1983% | 6,476 |
| Net operating income to assets | 0.6109% | 4,304 |
| Return on assets (ROA) | 0.6253% | 4,317 |
| Pretax return on assets | 0.9928% | 3,507 |
| Return on Equity (ROE) | 4.8423% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.8423% | 3,061 |
| Net charge-offs to loans | 0.2548% | 1,536 |
| Credit loss provision to net charge-offs | -140.3509% | 5,328 |
| Earnings coverage of net charge-offs (x) | 5.4632% | 2,925 |
| Efficiency ratio | 79.3786% | 2,111 |
| Assets per employee ($millions) | 4.1611% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 1,177 |
| Loan loss allowance to noncurrent loans | 83.1886% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 3.3511% | 718 |
| Noncurrent loans to loans | 2.5215% | 1,229 |
| Net loans and leases to total assets | 54.9458% | 4,418 |
| Net loans and leases to deposits | 65.0117% | 4,377 |
| Net loans and leases to core deposits | 67.0336% | 4,553 |
| Total domestic deposits to total assets | 84.5169% | 3,713 |
| Equity capital to assets | 13.0691% | 1,338 |
| Core capital (leverage) ratio | 11.2790% | 2,172 |
| Tier 1 risk-based capital ratio | 17.0344% | 2,606 |
| Total risk-based capital ratio | 18.2908% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,016,689,670 | 363 |
| Average earning assets | $1,738,462,670 | 374 |
| Average equity | $260,412,000 | 316 |
| Average total loans | $1,118,709,330 | 415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 4,394 |
| Cost of funding earning assets | 0.3491% | 4,551 |
| Net interest margin | 3.4724% | 3,814 |
| Noninterest income to average assets | 1.1957% | 774 |
| Noninterest expense to average assets | 3.3848% | 1,740 |
| Loan and lease loss provision to assets | -0.1988% | 6,565 |
| Net operating income to assets | 0.6414% | 3,991 |
| Return on assets (ROA) | 0.6327% | 4,121 |
| Pretax return on assets | 1.0063% | 3,301 |
| Return on Equity (ROE) | 4.9295% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.9295% | 3,152 |
| Net charge-offs to loans | 0.2902% | 1,194 |
| Credit loss provision to net charge-offs | -124.2236% | 4,871 |
| Earnings coverage of net charge-offs (x) | 5.1304% | 2,421 |
| Efficiency ratio | 78.0562% | 2,467 |
| Assets per employee ($millions) | 4.2211% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2874% | 1,048 |
| Loan loss allowance to noncurrent loans | 67.3986% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 3.8267% | 645 |
| Noncurrent loans to loans | 3.3939% | 880 |
| Net loans and leases to total assets | 53.3778% | 4,501 |
| Net loans and leases to deposits | 63.0620% | 4,424 |
| Net loans and leases to core deposits | 64.9302% | 4,601 |
| Total domestic deposits to total assets | 84.6434% | 4,023 |
| Equity capital to assets | 12.7311% | 1,442 |
| Core capital (leverage) ratio | 11.1210% | 2,278 |
| Tier 1 risk-based capital ratio | 16.5757% | 2,857 |
| Total risk-based capital ratio | 17.8339% | 2,828 |
| Memoranda: | ||
| Average total assets | $2,011,809,500 | 361 |
| Average earning assets | $1,744,014,500 | 376 |
| Average equity | $258,198,500 | 317 |
| Average total loans | $1,109,411,000 | 414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 4,154 |
| Cost of funding earning assets | 0.4426% | 4,188 |
| Net interest margin | 3.5367% | 3,737 |
| Noninterest income to average assets | 1.3907% | 726 |
| Noninterest expense to average assets | 3.8921% | 1,003 |
| Loan and lease loss provision to assets | -0.4307% | 6,724 |
| Net operating income to assets | 3.6887% | 71 |
| Return on assets (ROA) | 3.5924% | 74 |
| Pretax return on assets | 0.9170% | 3,689 |
| Return on Equity (ROE) | 32.7403% | 54 |
| Retained earnings to average equity (ytd only) | 32.7403% | 25 |
| Net charge-offs to loans | 0.2482% | 2,482 |
| Credit loss provision to net charge-offs | -309.1106% | 6,059 |
| Earnings coverage of net charge-offs (x) | 4.1811% | 3,648 |
| Efficiency ratio | 84.6171% | 1,561 |
| Assets per employee ($millions) | 4.0342% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 854 |
| Loan loss allowance to noncurrent loans | 69.9531% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 4.0576% | 648 |
| Noncurrent loans to loans | 3.5291% | 879 |
| Net loans and leases to total assets | 54.3021% | 4,547 |
| Net loans and leases to deposits | 63.9811% | 4,507 |
| Net loans and leases to core deposits | 65.8559% | 4,708 |
| Total domestic deposits to total assets | 84.8721% | 3,817 |
| Equity capital to assets | 12.9400% | 1,303 |
| Core capital (leverage) ratio | 10.9705% | 2,419 |
| Tier 1 risk-based capital ratio | 16.7771% | 2,727 |
| Total risk-based capital ratio | 18.0378% | 2,672 |
| Memoranda: | ||
| Average total assets | $1,985,088,400 | 358 |
| Average earning assets | $1,730,998,200 | 364 |
| Average equity | $217,811,000 | 355 |
| Average total loans | $1,114,470,200 | 396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 4,132 |
| Cost of funding earning assets | 0.4621% | 4,148 |
| Net interest margin | 3.5396% | 3,715 |
| Noninterest income to average assets | 1.3647% | 779 |
| Noninterest expense to average assets | 3.9041% | 964 |
| Loan and lease loss provision to assets | -0.4063% | 6,810 |
| Net operating income to assets | 4.5630% | 48 |
| Return on assets (ROA) | 4.7102% | 43 |
| Pretax return on assets | 1.1050% | 3,094 |
| Return on Equity (ROE) | 44.9421% | 19 |
| Retained earnings to average equity (ytd only) | 44.9421% | 10 |
| Net charge-offs to loans | 0.3582% | 1,766 |
| Credit loss provision to net charge-offs | -201.6667% | 5,904 |
| Earnings coverage of net charge-offs (x) | 2.7370% | 3,923 |
| Efficiency ratio | 85.2500% | 1,440 |
| Assets per employee ($millions) | 4.0780% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7339% | 716 |
| Loan loss allowance to noncurrent loans | 67.7575% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 4.6002% | 641 |
| Noncurrent loans to loans | 4.0348% | 858 |
| Net loans and leases to total assets | 52.1820% | 4,855 |
| Net loans and leases to deposits | 62.7382% | 4,659 |
| Net loans and leases to core deposits | 64.4916% | 4,851 |
| Total domestic deposits to total assets | 83.1742% | 4,510 |
| Equity capital to assets | 12.4226% | 1,625 |
| Core capital (leverage) ratio | 11.0773% | 2,405 |
| Tier 1 risk-based capital ratio | 15.8155% | 3,291 |
| Total risk-based capital ratio | 17.0773% | 3,236 |
| Memoranda: | ||
| Average total assets | $1,985,156,250 | 360 |
| Average earning assets | $1,733,495,500 | 364 |
| Average equity | $208,055,000 | 372 |
| Average total loans | $1,116,818,250 | 396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 4,297 |
| Cost of funding earning assets | 0.4739% | 4,162 |
| Net interest margin | 3.4748% | 3,901 |
| Noninterest income to average assets | 1.3814% | 820 |
| Noninterest expense to average assets | 3.9044% | 977 |
| Loan and lease loss provision to assets | -0.4354% | 6,864 |
| Net operating income to assets | 0.9724% | 2,456 |
| Return on assets (ROA) | 1.1949% | 1,714 |
| Pretax return on assets | 1.1949% | 2,697 |
| Return on Equity (ROE) | 12.1678% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.1678% | 464 |
| Net charge-offs to loans | -0.1320% | 6,569 |
| Credit loss provision to net charge-offs | 577.1812% | 501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5153% | 1,461 |
| Assets per employee ($millions) | 3.9483% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1649% | 493 |
| Loan loss allowance to noncurrent loans | 60.2003% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 6.0949% | 442 |
| Noncurrent loans to loans | 5.2573% | 592 |
| Net loans and leases to total assets | 55.5319% | 4,364 |
| Net loans and leases to deposits | 63.3094% | 4,581 |
| Net loans and leases to core deposits | 64.7936% | 4,813 |
| Total domestic deposits to total assets | 87.7151% | 2,435 |
| Equity capital to assets | 10.0419% | 3,865 |
| Core capital (leverage) ratio | 10.3992% | 2,984 |
| Tier 1 risk-based capital ratio | 15.0337% | 3,756 |
| Total risk-based capital ratio | 16.3001% | 3,714 |
| Memoranda: | ||
| Average total assets | $1,975,365,330 | 366 |
| Average earning assets | $1,739,532,000 | 363 |
| Average equity | $193,988,000 | 396 |
| Average total loans | $1,128,835,000 | 392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 4,189 |
| Cost of funding earning assets | 0.4792% | 4,286 |
| Net interest margin | 3.5031% | 3,683 |
| Noninterest income to average assets | 1.3103% | 898 |
| Noninterest expense to average assets | 3.8761% | 1,025 |
| Loan and lease loss provision to assets | -0.5006% | 6,955 |
| Net operating income to assets | 1.0088% | 2,186 |
| Return on assets (ROA) | 1.2997% | 1,377 |
| Pretax return on assets | 1.2997% | 2,238 |
| Return on Equity (ROE) | 13.3806% | 1,082 |
| Retained earnings to average equity (ytd only) | 13.3806% | 509 |
| Net charge-offs to loans | -0.8904% | 6,921 |
| Credit loss provision to net charge-offs | 98.5416% | 1,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0111% | 1,515 |
| Assets per employee ($millions) | 4.0160% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4504% | 438 |
| Loan loss allowance to noncurrent loans | 59.2791% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 6.7034% | 439 |
| Noncurrent loans to loans | 5.8207% | 585 |
| Net loans and leases to total assets | 55.3878% | 4,185 |
| Net loans and leases to deposits | 62.8052% | 4,442 |
| Net loans and leases to core deposits | 64.1580% | 4,725 |
| Total domestic deposits to total assets | 88.1898% | 2,202 |
| Equity capital to assets | 10.0856% | 4,034 |
| Core capital (leverage) ratio | 9.9365% | 3,484 |
| Tier 1 risk-based capital ratio | 14.5162% | 4,162 |
| Total risk-based capital ratio | 15.7858% | 4,113 |
| Memoranda: | ||
| Average total assets | $1,997,694,500 | 361 |
| Average earning assets | $1,752,953,000 | 363 |
| Average equity | $194,042,500 | 397 |
| Average total loans | $1,139,652,000 | 394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 3,700 |
| Cost of funding earning assets | 0.5847% | 4,491 |
| Net interest margin | 3.8451% | 3,042 |
| Noninterest income to average assets | 1.2650% | 975 |
| Noninterest expense to average assets | 3.9957% | 982 |
| Loan and lease loss provision to assets | 0.3191% | 2,141 |
| Net operating income to assets | 0.2528% | 5,626 |
| Return on assets (ROA) | 0.3327% | 5,566 |
| Pretax return on assets | 0.3327% | 5,759 |
| Return on Equity (ROE) | 3.5404% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.5404% | 3,729 |
| Net charge-offs to loans | 1.5553% | 562 |
| Credit loss provision to net charge-offs | 31.9244% | 5,089 |
| Earnings coverage of net charge-offs (x) | 0.5721% | 5,203 |
| Efficiency ratio | 85.9217% | 1,438 |
| Assets per employee ($millions) | 4.2487% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3284% | 495 |
| Loan loss allowance to noncurrent loans | 49.7333% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 7.3415% | 412 |
| Noncurrent loans to loans | 6.6925% | 487 |
| Net loans and leases to total assets | 54.8552% | 4,478 |
| Net loans and leases to deposits | 65.1344% | 4,403 |
| Net loans and leases to core deposits | 66.5434% | 4,683 |
| Total domestic deposits to total assets | 84.2185% | 4,216 |
| Equity capital to assets | 9.3577% | 5,061 |
| Core capital (leverage) ratio | 9.6717% | 3,858 |
| Tier 1 risk-based capital ratio | 13.5945% | 4,675 |
| Total risk-based capital ratio | 14.8629% | 4,608 |
| Memoranda: | ||
| Average total assets | $1,969,404,600 | 358 |
| Average earning assets | $1,691,539,400 | 369 |
| Average equity | $185,093,600 | 398 |
| Average total loans | $1,265,613,000 | 347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 3,256 |
| Cost of funding earning assets | 0.6181% | 4,471 |
| Net interest margin | 3.9705% | 2,623 |
| Noninterest income to average assets | 1.2137% | 1,017 |
| Noninterest expense to average assets | 4.0383% | 891 |
| Loan and lease loss provision to assets | 0.4295% | 1,480 |
| Net operating income to assets | 0.1410% | 6,048 |
| Return on assets (ROA) | 0.2303% | 6,023 |
| Pretax return on assets | 0.2303% | 6,082 |
| Return on Equity (ROE) | 2.4471% | 5,901 |
| Retained earnings to average equity (ytd only) | 2.4471% | 5,108 |
| Net charge-offs to loans | 1.8599% | 413 |
| Credit loss provision to net charge-offs | 34.8646% | 4,717 |
| Earnings coverage of net charge-offs (x) | 0.4631% | 5,087 |
| Efficiency ratio | 86.3392% | 1,353 |
| Assets per employee ($millions) | 3.9691% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3179% | 541 |
| Loan loss allowance to noncurrent loans | 42.6935% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 9.5931% | 262 |
| Noncurrent loans to loans | 7.7715% | 419 |
| Net loans and leases to total assets | 61.7009% | 3,442 |
| Net loans and leases to deposits | 69.1258% | 4,006 |
| Net loans and leases to core deposits | 70.6997% | 4,411 |
| Total domestic deposits to total assets | 89.2588% | 1,277 |
| Equity capital to assets | 9.8264% | 4,742 |
| Core capital (leverage) ratio | 9.6649% | 4,024 |
| Tier 1 risk-based capital ratio | 12.7920% | 5,416 |
| Total risk-based capital ratio | 14.0605% | 5,360 |
| Memoranda: | ||
| Average total assets | $1,950,854,250 | 363 |
| Average earning assets | $1,668,125,250 | 375 |
| Average equity | $183,558,250 | 400 |
| Average total loans | $1,292,111,000 | 340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 3,160 |
| Cost of funding earning assets | 0.6538% | 4,407 |
| Net interest margin | 3.9905% | 2,544 |
| Noninterest income to average assets | 1.2601% | 899 |
| Noninterest expense to average assets | 3.9595% | 999 |
| Loan and lease loss provision to assets | 0.6388% | 900 |
| Net operating income to assets | 0.0782% | 6,209 |
| Return on assets (ROA) | 0.1588% | 6,193 |
| Pretax return on assets | 0.1588% | 6,213 |
| Return on Equity (ROE) | 1.7121% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.7121% | 5,337 |
| Net charge-offs to loans | 2.7299% | 234 |
| Credit loss provision to net charge-offs | 34.9208% | 4,360 |
| Earnings coverage of net charge-offs (x) | 0.3919% | 4,882 |
| Efficiency ratio | 83.7011% | 1,666 |
| Assets per employee ($millions) | 4.0729% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2369% | 623 |
| Loan loss allowance to noncurrent loans | 40.0824% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 9.5881% | 293 |
| Noncurrent loans to loans | 8.0757% | 422 |
| Net loans and leases to total assets | 60.7162% | 3,680 |
| Net loans and leases to deposits | 68.0386% | 4,191 |
| Net loans and leases to core deposits | 69.6543% | 4,571 |
| Total domestic deposits to total assets | 89.2378% | 1,366 |
| Equity capital to assets | 9.2568% | 5,385 |
| Core capital (leverage) ratio | 9.3490% | 4,372 |
| Tier 1 risk-based capital ratio | 11.9875% | 5,947 |
| Total risk-based capital ratio | 13.2543% | 5,912 |
| Memoranda: | ||
| Average total assets | $1,967,401,670 | 362 |
| Average earning assets | $1,684,345,000 | 369 |
| Average equity | $182,470,670 | 406 |
| Average total loans | $1,318,374,330 | 339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 3,436 |
| Cost of funding earning assets | 0.6914% | 4,356 |
| Net interest margin | 3.9244% | 2,827 |
| Noninterest income to average assets | 1.6052% | 562 |
| Noninterest expense to average assets | 4.0264% | 906 |
| Loan and lease loss provision to assets | 1.2420% | 300 |
| Net operating income to assets | -0.2936% | 6,704 |
| Return on assets (ROA) | -0.2729% | 6,731 |
| Pretax return on assets | -0.2729% | 6,714 |
| Return on Equity (ROE) | -2.9400% | 6,749 |
| Retained earnings to average equity (ytd only) | -2.9400% | 6,387 |
| Net charge-offs to loans | 3.0904% | 231 |
| Credit loss provision to net charge-offs | 58.1033% | 3,152 |
| Earnings coverage of net charge-offs (x) | 0.4437% | 4,123 |
| Efficiency ratio | 80.1346% | 2,182 |
| Assets per employee ($millions) | 3.9352% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5831% | 510 |
| Loan loss allowance to noncurrent loans | 42.1208% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 10.8473% | 253 |
| Noncurrent loans to loans | 8.5066% | 426 |
| Net loans and leases to total assets | 64.7238% | 2,707 |
| Net loans and leases to deposits | 72.6316% | 3,336 |
| Net loans and leases to core deposits | 74.2263% | 3,875 |
| Total domestic deposits to total assets | 89.1125% | 1,630 |
| Equity capital to assets | 9.1694% | 5,273 |
| Core capital (leverage) ratio | 9.2182% | 4,483 |
| Tier 1 risk-based capital ratio | 11.6115% | 6,213 |
| Total risk-based capital ratio | 12.8835% | 6,179 |
| Memoranda: | ||
| Average total assets | $1,959,362,500 | 363 |
| Average earning assets | $1,682,416,500 | 367 |
| Average equity | $181,903,000 | 401 |
| Average total loans | $1,355,272,000 | 328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 3,262 |
| Cost of funding earning assets | 0.9277% | 3,898 |
| Net interest margin | 3.9934% | 2,917 |
| Noninterest income to average assets | 1.0013% | 1,366 |
| Noninterest expense to average assets | 3.9934% | 1,047 |
| Loan and lease loss provision to assets | 0.4391% | 2,398 |
| Net operating income to assets | -0.0115% | 6,061 |
| Return on assets (ROA) | 0.0197% | 6,123 |
| Pretax return on assets | 0.0197% | 6,092 |
| Return on Equity (ROE) | 0.2116% | 6,116 |
| Retained earnings to average equity (ytd only) | -3.2262% | 6,299 |
| Net charge-offs to loans | 2.1674% | 599 |
| Credit loss provision to net charge-offs | 26.7697% | 5,831 |
| Earnings coverage of net charge-offs (x) | 0.2607% | 5,634 |
| Efficiency ratio | 89.3809% | 1,238 |
| Assets per employee ($millions) | 3.9417% | 3,980 |
| Cash dividends to net income (ytd only)* | 1,624.6231% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7630% | 445 |
| Loan loss allowance to noncurrent loans | 40.9090% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 11.3645% | 249 |
| Noncurrent loans to loans | 9.1985% | 377 |
| Net loans and leases to total assets | 68.5699% | 2,298 |
| Net loans and leases to deposits | 76.3752% | 3,116 |
| Net loans and leases to core deposits | 76.4160% | 3,921 |
| Total domestic deposits to total assets | 89.7804% | 1,113 |
| Equity capital to assets | 9.4005% | 5,018 |
| Core capital (leverage) ratio | 9.3415% | 4,264 |
| Tier 1 risk-based capital ratio | 11.6977% | 6,026 |
| Total risk-based capital ratio | 12.9733% | 5,995 |
| Memoranda: | ||
| Average total assets | $2,023,763,800 | 343 |
| Average earning assets | $1,733,033,400 | 350 |
| Average equity | $188,083,400 | 372 |
| Average total loans | $1,531,688,200 | 297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 3,127 |
| Cost of funding earning assets | 0.9557% | 3,995 |
| Net interest margin | 4.0359% | 2,748 |
| Noninterest income to average assets | 1.1153% | 1,069 |
| Noninterest expense to average assets | 4.0017% | 999 |
| Loan and lease loss provision to assets | 0.4890% | 2,032 |
| Net operating income to assets | 0.0697% | 6,026 |
| Return on assets (ROA) | 0.1080% | 6,063 |
| Pretax return on assets | 0.1080% | 6,078 |
| Return on Equity (ROE) | 1.1650% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.1650% | 5,548 |
| Net charge-offs to loans | 2.0355% | 616 |
| Credit loss provision to net charge-offs | 31.3074% | 5,394 |
| Earnings coverage of net charge-offs (x) | 0.3577% | 5,342 |
| Efficiency ratio | 86.7335% | 1,458 |
| Assets per employee ($millions) | 4.0708% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1760% | 348 |
| Loan loss allowance to noncurrent loans | 47.5979% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 11.6055% | 246 |
| Noncurrent loans to loans | 8.7735% | 467 |
| Net loans and leases to total assets | 70.4329% | 1,995 |
| Net loans and leases to deposits | 78.9656% | 2,822 |
| Net loans and leases to core deposits | 79.0227% | 3,768 |
| Total domestic deposits to total assets | 89.1944% | 1,306 |
| Equity capital to assets | 9.7760% | 4,658 |
| Core capital (leverage) ratio | 9.5248% | 4,115 |
| Tier 1 risk-based capital ratio | 11.7017% | 6,107 |
| Total risk-based capital ratio | 12.9823% | 6,077 |
| Memoranda: | ||
| Average total assets | $2,044,873,500 | 340 |
| Average earning assets | $1,745,502,500 | 351 |
| Average equity | $189,527,750 | 378 |
| Average total loans | $1,569,162,500 | 290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 3,249 |
| Cost of funding earning assets | 0.9824% | 4,068 |
| Net interest margin | 3.9985% | 2,844 |
| Noninterest income to average assets | 1.0839% | 1,103 |
| Noninterest expense to average assets | 4.0084% | 1,040 |
| Loan and lease loss provision to assets | 0.4334% | 2,259 |
| Net operating income to assets | 0.0703% | 6,080 |
| Return on assets (ROA) | 0.1330% | 6,018 |
| Pretax return on assets | 0.1330% | 6,044 |
| Return on Equity (ROE) | 1.4601% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.4601% | 5,256 |
| Net charge-offs to loans | 1.8322% | 751 |
| Credit loss provision to net charge-offs | 30.4260% | 4,983 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 5,039 |
| Efficiency ratio | 87.9098% | 1,423 |
| Assets per employee ($millions) | 4.0508% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2934% | 341 |
| Loan loss allowance to noncurrent loans | 41.0756% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 12.2592% | 247 |
| Noncurrent loans to loans | 10.4523% | 356 |
| Net loans and leases to total assets | 74.1427% | 1,388 |
| Net loans and leases to deposits | 82.9168% | 2,296 |
| Net loans and leases to core deposits | 83.1225% | 3,348 |
| Total domestic deposits to total assets | 89.4182% | 1,288 |
| Equity capital to assets | 9.6165% | 4,638 |
| Core capital (leverage) ratio | 9.1026% | 4,562 |
| Tier 1 risk-based capital ratio | 11.3283% | 6,298 |
| Total risk-based capital ratio | 12.6121% | 6,266 |
| Memoranda: | ||
| Average total assets | $2,076,524,330 | 338 |
| Average earning assets | $1,780,368,000 | 354 |
| Average equity | $189,162,000 | 380 |
| Average total loans | $1,614,470,670 | 288 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 3,923 |
| Cost of funding earning assets | 1.0029% | 4,184 |
| Net interest margin | 3.8236% | 3,493 |
| Noninterest income to average assets | 1.2861% | 772 |
| Noninterest expense to average assets | 4.1094% | 912 |
| Loan and lease loss provision to assets | 0.7539% | 1,130 |
| Net operating income to assets | -0.2855% | 6,646 |
| Return on assets (ROA) | -0.2593% | 6,630 |
| Pretax return on assets | -0.2593% | 6,587 |
| Return on Equity (ROE) | -2.9229% | 6,659 |
| Retained earnings to average equity (ytd only) | -2.9229% | 6,284 |
| Net charge-offs to loans | 1.7376% | 756 |
| Credit loss provision to net charge-offs | 55.7103% | 3,632 |
| Earnings coverage of net charge-offs (x) | 0.3461% | 4,353 |
| Efficiency ratio | 88.8303% | 1,434 |
| Assets per employee ($millions) | 4.1958% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5564% | 275 |
| Loan loss allowance to noncurrent loans | 40.8310% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 12.4909% | 239 |
| Noncurrent loans to loans | 11.1592% | 331 |
| Net loans and leases to total assets | 72.2933% | 1,663 |
| Net loans and leases to deposits | 80.2629% | 2,671 |
| Net loans and leases to core deposits | 81.1674% | 3,577 |
| Total domestic deposits to total assets | 90.0707% | 1,112 |
| Equity capital to assets | 8.8564% | 5,410 |
| Core capital (leverage) ratio | 8.6350% | 5,197 |
| Tier 1 risk-based capital ratio | 10.6818% | 6,702 |
| Total risk-based capital ratio | 11.9687% | 6,664 |
| Memoranda: | ||
| Average total assets | $2,122,334,500 | 332 |
| Average earning assets | $1,827,067,000 | 347 |
| Average equity | $188,303,500 | 379 |
| Average total loans | $1,652,866,500 | 282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 3,769 |
| Cost of funding earning assets | 1.1150% | 5,050 |
| Net interest margin | 4.0513% | 2,799 |
| Noninterest income to average assets | 0.9041% | 1,840 |
| Noninterest expense to average assets | 3.2720% | 2,825 |
| Loan and lease loss provision to assets | 3.7711% | 181 |
| Net operating income to assets | -4.1161% | 7,448 |
| Return on assets (ROA) | -4.0031% | 7,449 |
| Pretax return on assets | -2.5162% | 7,168 |
| Return on Equity (ROE) | -39.4618% | 7,343 |
| Retained earnings to average equity (ytd only) | -39.4618% | 7,335 |
| Net charge-offs to loans | 4.1093% | 301 |
| Credit loss provision to net charge-offs | 115.1065% | 3,764 |
| Earnings coverage of net charge-offs (x) | 0.3485% | 5,758 |
| Efficiency ratio | 73.0527% | 3,588 |
| Assets per employee ($millions) | 4.0724% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4866% | 273 |
| Loan loss allowance to noncurrent loans | 35.7852% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 13.5881% | 206 |
| Noncurrent loans to loans | 12.5377% | 256 |
| Net loans and leases to total assets | 76.4182% | 1,202 |
| Net loans and leases to deposits | 84.8883% | 2,302 |
| Net loans and leases to core deposits | 86.2000% | 3,295 |
| Total domestic deposits to total assets | 90.0220% | 1,087 |
| Equity capital to assets | 8.8884% | 5,305 |
| Core capital (leverage) ratio | 8.1038% | 6,006 |
| Tier 1 risk-based capital ratio | 10.3432% | 6,798 |
| Total risk-based capital ratio | 11.6303% | 6,758 |
| Memoranda: | ||
| Average total assets | $2,377,758,000 | 300 |
| Average earning assets | $2,059,942,200 | 306 |
| Average equity | $241,207,800 | 305 |
| Average total loans | $1,895,685,000 | 252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 3,981 |
| Cost of funding earning assets | 1.1332% | 5,232 |
| Net interest margin | 4.0382% | 2,917 |
| Noninterest income to average assets | 1.7172% | 484 |
| Noninterest expense to average assets | 3.9509% | 1,115 |
| Loan and lease loss provision to assets | 4.1335% | 143 |
| Net operating income to assets | -1.6596% | 7,145 |
| Return on assets (ROA) | -1.5781% | 7,137 |
| Pretax return on assets | -2.7413% | 7,368 |
| Return on Equity (ROE) | -15.1477% | 7,113 |
| Retained earnings to average equity (ytd only) | -15.1477% | 7,086 |
| Net charge-offs to loans | 4.9401% | 181 |
| Credit loss provision to net charge-offs | 105.0303% | 4,079 |
| Earnings coverage of net charge-offs (x) | 0.3214% | 5,708 |
| Efficiency ratio | 74.8625% | 3,167 |
| Assets per employee ($millions) | 4.2200% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7303% | 461 |
| Loan loss allowance to noncurrent loans | 32.1210% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 11.6642% | 294 |
| Noncurrent loans to loans | 11.6132% | 317 |
| Net loans and leases to total assets | 76.9118% | 1,236 |
| Net loans and leases to deposits | 87.7903% | 2,037 |
| Net loans and leases to core deposits | 89.1909% | 3,211 |
| Total domestic deposits to total assets | 87.6086% | 2,205 |
| Equity capital to assets | 11.1802% | 2,791 |
| Core capital (leverage) ratio | 8.3765% | 5,743 |
| Tier 1 risk-based capital ratio | 10.1271% | 6,995 |
| Total risk-based capital ratio | 11.4053% | 6,963 |
| Memoranda: | ||
| Average total assets | $2,440,754,500 | 291 |
| Average earning assets | $2,114,541,750 | 299 |
| Average equity | $254,272,750 | 294 |
| Average total loans | $1,944,410,250 | 248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 4,235 |
| Cost of funding earning assets | 1.1511% | 5,395 |
| Net interest margin | 3.9907% | 3,064 |
| Noninterest income to average assets | 1.3934% | 652 |
| Noninterest expense to average assets | 3.9569% | 1,097 |
| Loan and lease loss provision to assets | 5.1240% | 99 |
| Net operating income to assets | -2.4858% | 7,413 |
| Return on assets (ROA) | -2.3977% | 7,407 |
| Pretax return on assets | -4.0707% | 7,608 |
| Return on Equity (ROE) | -23.5430% | 7,346 |
| Retained earnings to average equity (ytd only) | -23.5430% | 7,332 |
| Net charge-offs to loans | 4.7820% | 228 |
| Credit loss provision to net charge-offs | 134.6217% | 2,977 |
| Earnings coverage of net charge-offs (x) | 0.2406% | 5,490 |
| Efficiency ratio | 80.2771% | 2,407 |
| Assets per employee ($millions) | 4.5127% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2412% | 305 |
| Loan loss allowance to noncurrent loans | 35.0486% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 11.3500% | 304 |
| Noncurrent loans to loans | 12.1010% | 283 |
| Net loans and leases to total assets | 74.5962% | 1,789 |
| Net loans and leases to deposits | 84.4953% | 2,794 |
| Net loans and leases to core deposits | 86.4824% | 3,768 |
| Total domestic deposits to total assets | 88.2844% | 1,833 |
| Equity capital to assets | 9.9363% | 4,094 |
| Core capital (leverage) ratio | 7.7565% | 6,550 |
| Tier 1 risk-based capital ratio | 9.4458% | 7,283 |
| Total risk-based capital ratio | 10.7303% | 7,271 |
| Memoranda: | ||
| Average total assets | $2,491,928,670 | 283 |
| Average earning assets | $2,172,535,670 | 291 |
| Average equity | $253,791,000 | 289 |
| Average total loans | $1,983,441,670 | 246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 3,914 |
| Cost of funding earning assets | 1.1882% | 5,467 |
| Net interest margin | 4.0330% | 2,726 |
| Noninterest income to average assets | 1.3162% | 695 |
| Noninterest expense to average assets | 3.8707% | 1,217 |
| Loan and lease loss provision to assets | 3.0597% | 322 |
| Net operating income to assets | -1.1919% | 7,211 |
| Return on assets (ROA) | -1.1919% | 7,230 |
| Pretax return on assets | -2.0873% | 7,435 |
| Return on Equity (ROE) | -11.5653% | 7,192 |
| Retained earnings to average equity (ytd only) | -11.5653% | 7,046 |
| Net charge-offs to loans | 3.3546% | 434 |
| Credit loss provision to net charge-offs | 113.4124% | 3,059 |
| Earnings coverage of net charge-offs (x) | 0.3604% | 4,716 |
| Efficiency ratio | 78.9929% | 2,726 |
| Assets per employee ($millions) | 4.5203% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3966% | 586 |
| Loan loss allowance to noncurrent loans | 37.5358% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 9.1982% | 472 |
| Noncurrent loans to loans | 9.0489% | 532 |
| Net loans and leases to total assets | 76.7110% | 1,391 |
| Net loans and leases to deposits | 87.5495% | 2,305 |
| Net loans and leases to core deposits | 89.7473% | 3,396 |
| Total domestic deposits to total assets | 87.6202% | 2,283 |
| Equity capital to assets | 10.7310% | 3,023 |
| Core capital (leverage) ratio | 9.1378% | 4,314 |
| Tier 1 risk-based capital ratio | 10.8456% | 6,298 |
| Total risk-based capital ratio | 12.1197% | 6,257 |
| Memoranda: | ||
| Average total assets | $2,512,700,000 | 293 |
| Average earning assets | $2,197,362,000 | 298 |
| Average equity | $258,948,000 | 289 |
| Average total loans | $2,020,735,500 | 249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 4,816 |
| Cost of funding earning assets | 1.6204% | 4,930 |
| Net interest margin | 3.7537% | 3,896 |
| Noninterest income to average assets | 1.4239% | 723 |
| Noninterest expense to average assets | 5.1515% | 471 |
| Loan and lease loss provision to assets | 3.5050% | 440 |
| Net operating income to assets | -2.2913% | 7,194 |
| Return on assets (ROA) | -2.2042% | 7,166 |
| Pretax return on assets | -3.7434% | 7,473 |
| Return on Equity (ROE) | -21.6960% | 7,196 |
| Retained earnings to average equity (ytd only) | -22.1212% | 7,181 |
| Net charge-offs to loans | 3.3279% | 602 |
| Credit loss provision to net charge-offs | 131.6818% | 3,836 |
| Earnings coverage of net charge-offs (x) | -0.1407% | 6,379 |
| Efficiency ratio | 63.2732% | 5,919 |
| Assets per employee ($millions) | 4.6671% | 2,663 |
| Cash dividends to net income (ytd only)* | -1.9598% | 7,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1112% | 709 |
| Loan loss allowance to noncurrent loans | 36.7670% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 8.4661% | 501 |
| Noncurrent loans to loans | 8.4621% | 568 |
| Net loans and leases to total assets | 78.8726% | 1,210 |
| Net loans and leases to deposits | 91.0074% | 2,044 |
| Net loans and leases to core deposits | 108.3399% | 3,065 |
| Total domestic deposits to total assets | 86.6661% | 2,670 |
| Equity capital to assets | 9.8920% | 3,902 |
| Core capital (leverage) ratio | 8.8917% | 4,603 |
| Tier 1 risk-based capital ratio | 10.3030% | 6,585 |
| Total risk-based capital ratio | 11.5731% | 6,536 |
| Memoranda: | ||
| Average total assets | $2,759,337,600 | 268 |
| Average earning assets | $2,464,847,000 | 271 |
| Average equity | $280,336,800 | 267 |
| Average total loans | $2,206,977,800 | 237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 5,137 |
| Cost of funding earning assets | 1.7046% | 4,873 |
| Net interest margin | 3.6538% | 4,260 |
| Noninterest income to average assets | 1.3242% | 879 |
| Noninterest expense to average assets | 5.7067% | 345 |
| Loan and lease loss provision to assets | 3.1565% | 446 |
| Net operating income to assets | -2.5289% | 7,474 |
| Return on assets (ROA) | -2.4753% | 7,461 |
| Pretax return on assets | -4.1785% | 7,713 |
| Return on Equity (ROE) | -24.2195% | 7,490 |
| Retained earnings to average equity (ytd only) | -24.7725% | 7,476 |
| Net charge-offs to loans | 2.9666% | 569 |
| Credit loss provision to net charge-offs | 133.5694% | 3,731 |
| Earnings coverage of net charge-offs (x) | -0.4679% | 6,464 |
| Efficiency ratio | 63.7973% | 5,797 |
| Assets per employee ($millions) | 4.7934% | 2,409 |
| Cash dividends to net income (ytd only)* | -2.2832% | 7,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6829% | 896 |
| Loan loss allowance to noncurrent loans | 34.4610% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 7.2736% | 635 |
| Noncurrent loans to loans | 7.7854% | 644 |
| Net loans and leases to total assets | 79.3701% | 1,308 |
| Net loans and leases to deposits | 89.9285% | 2,595 |
| Net loans and leases to core deposits | 108.7805% | 3,373 |
| Total domestic deposits to total assets | 88.2591% | 1,533 |
| Equity capital to assets | 9.9543% | 4,146 |
| Core capital (leverage) ratio | 9.0589% | 4,558 |
| Tier 1 risk-based capital ratio | 10.7026% | 6,244 |
| Total risk-based capital ratio | 11.9681% | 6,202 |
| Memoranda: | ||
| Average total assets | $2,812,109,250 | 272 |
| Average earning assets | $2,521,745,500 | 276 |
| Average equity | $287,403,000 | 271 |
| Average total loans | $2,240,119,250 | 248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 5,114 |
| Cost of funding earning assets | 1.7590% | 4,951 |
| Net interest margin | 3.6481% | 4,175 |
| Noninterest income to average assets | 1.2683% | 946 |
| Noninterest expense to average assets | 7.0181% | 218 |
| Loan and lease loss provision to assets | 3.9726% | 314 |
| Net operating income to assets | -3.8757% | 7,812 |
| Return on assets (ROA) | -3.8170% | 7,801 |
| Pretax return on assets | -6.3613% | 7,972 |
| Return on Equity (ROE) | -37.0508% | 7,813 |
| Retained earnings to average equity (ytd only) | -37.8583% | 7,806 |
| Net charge-offs to loans | 2.0868% | 885 |
| Credit loss provision to net charge-offs | 240.7486% | 1,931 |
| Earnings coverage of net charge-offs (x) | -1.5032% | 6,313 |
| Efficiency ratio | 65.2133% | 5,671 |
| Assets per employee ($millions) | 4.7592% | 2,385 |
| Cash dividends to net income (ytd only)* | -2.1793% | 7,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3339% | 436 |
| Loan loss allowance to noncurrent loans | 42.4983% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 7.0290% | 600 |
| Noncurrent loans to loans | 7.8448% | 570 |
| Net loans and leases to total assets | 79.5436% | 1,390 |
| Net loans and leases to deposits | 90.0535% | 2,826 |
| Net loans and leases to core deposits | 110.9029% | 3,269 |
| Total domestic deposits to total assets | 88.3292% | 1,608 |
| Equity capital to assets | 9.5113% | 4,600 |
| Core capital (leverage) ratio | 8.4451% | 5,535 |
| Tier 1 risk-based capital ratio | 10.2663% | 6,632 |
| Total risk-based capital ratio | 11.5399% | 6,543 |
| Memoranda: | ||
| Average total assets | $2,865,887,670 | 276 |
| Average earning assets | $2,568,325,670 | 277 |
| Average equity | $295,248,330 | 266 |
| Average total loans | $2,266,184,000 | 255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 5,256 |
| Cost of funding earning assets | 1.8058% | 5,088 |
| Net interest margin | 3.6278% | 4,198 |
| Noninterest income to average assets | 1.2643% | 892 |
| Noninterest expense to average assets | 2.7941% | 4,578 |
| Loan and lease loss provision to assets | 1.2823% | 998 |
| Net operating income to assets | 0.3401% | 5,113 |
| Return on assets (ROA) | 0.3318% | 5,343 |
| Pretax return on assets | 0.4186% | 5,343 |
| Return on Equity (ROE) | 3.1106% | 5,323 |
| Retained earnings to average equity (ytd only) | 1.5904% | 4,961 |
| Net charge-offs to loans | 0.7729% | 1,662 |
| Credit loss provision to net charge-offs | 213.8158% | 2,109 |
| Earnings coverage of net charge-offs (x) | 2.8537% | 3,355 |
| Efficiency ratio | 61.1336% | 6,232 |
| Assets per employee ($millions) | 4.7594% | 2,348 |
| Cash dividends to net income (ytd only)* | 48.8725% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 1,337 |
| Loan loss allowance to noncurrent loans | 39.1995% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 4.7278% | 991 |
| Noncurrent loans to loans | 5.2065% | 1,022 |
| Net loans and leases to total assets | 76.6510% | 2,128 |
| Net loans and leases to deposits | 89.2086% | 3,068 |
| Net loans and leases to core deposits | 111.0076% | 3,309 |
| Total domestic deposits to total assets | 85.9233% | 2,766 |
| Equity capital to assets | 10.8201% | 3,155 |
| Core capital (leverage) ratio | 8.6026% | 5,338 |
| Tier 1 risk-based capital ratio | 10.3573% | 6,537 |
| Total risk-based capital ratio | 11.6059% | 6,451 |
| Memoranda: | ||
| Average total assets | $2,940,087,500 | 274 |
| Average earning assets | $2,626,685,500 | 275 |
| Average equity | $313,638,500 | 256 |
| Average total loans | $2,281,207,000 | 254 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 5,607 |
| Cost of funding earning assets | 2.3341% | 4,992 |
| Net interest margin | 3.6536% | 4,659 |
| Noninterest income to average assets | 1.1471% | 1,172 |
| Noninterest expense to average assets | 2.6493% | 5,449 |
| Loan and lease loss provision to assets | 1.0427% | 1,409 |
| Net operating income to assets | 0.5671% | 4,451 |
| Return on assets (ROA) | 0.6151% | 4,099 |
| Pretax return on assets | 0.8314% | 3,956 |
| Return on Equity (ROE) | 5.9958% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.2500% | 3,810 |
| Net charge-offs to loans | 0.4099% | 2,768 |
| Credit loss provision to net charge-offs | 339.9305% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.8987% | 3,496 |
| Efficiency ratio | 58.5727% | 6,595 |
| Assets per employee ($millions) | 4.8483% | 2,117 |
| Cash dividends to net income (ytd only)* | 62.4741% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 1,637 |
| Loan loss allowance to noncurrent loans | 37.9923% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 4.1534% | 962 |
| Noncurrent loans to loans | 4.7346% | 977 |
| Net loans and leases to total assets | 75.5658% | 2,743 |
| Net loans and leases to deposits | 94.3758% | 2,700 |
| Net loans and leases to core deposits | 114.3135% | 3,301 |
| Total domestic deposits to total assets | 80.0690% | 4,993 |
| Equity capital to assets | 10.5195% | 3,479 |
| Core capital (leverage) ratio | 8.7167% | 5,167 |
| Tier 1 risk-based capital ratio | 10.2853% | 6,436 |
| Total risk-based capital ratio | 11.5403% | 6,305 |
| Memoranda: | ||
| Average total assets | $2,907,234,200 | 261 |
| Average earning assets | $2,635,130,800 | 261 |
| Average equity | $298,225,000 | 271 |
| Average total loans | $2,175,710,800 | 257 |