Home > Origin Bank > Performance and Condition Ratios
Origin 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 | 5.6907% | 940 |
| Cost of funding earning assets | 2.3538% | 494 |
| Net interest margin | 3.3370% | 2,540 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1461% | 3,270 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9065% | 2,529 |
| Return on assets (ROA) | 0.8123% | 2,813 |
| Pretax return on assets | 1.0178% | 2,627 |
| Return on Equity (ROE) | 7.9800% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.3151% | 3,189 |
| Net charge-offs to loans | 0.1043% | 880 |
| Credit loss provision to net charge-offs | 224.3371% | 1,141 |
| Earnings coverage of net charge-offs (x) | 16.5088% | 2,003 |
| Efficiency ratio | 59.9329% | 3,084 |
| Assets per employee ($millions) | 10.5423% | 608 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 1,957 |
| Loan loss allowance to noncurrent loans | 320.4155% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,549 |
| Noncurrent loans to loans | 0.3938% | 1,803 |
| Net loans and leases to total assets | 78.5000% | 814 |
| Net loans and leases to deposits | 90.8346% | 1,201 |
| Net loans and leases to core deposits | 110.4270% | 945 |
| Total domestic deposits to total assets | 86.4300% | 1,884 |
| Equity capital to assets | 10.7168% | 1,621 |
| Core capital (leverage) ratio | 10.4522% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9169% | 1,891 |
| Memoranda: | ||
| Average total assets | $9,873,659,600 | 160 |
| Average earning assets | $9,190,274,800 | 155 |
| Average equity | $1,004,463,000 | 166 |
| Average total loans | $7,488,726,800 | 152 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 913 |
| Cost of funding earning assets | 2.2456% | 458 |
| Net interest margin | 3.3483% | 2,572 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.1180% | 3,309 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.9667% | 2,463 |
| Return on assets (ROA) | 0.8884% | 2,711 |
| Pretax return on assets | 1.0752% | 2,639 |
| Return on Equity (ROE) | 8.8500% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.1120% | 1,920 |
| Net charge-offs to loans | 0.1060% | 747 |
| Credit loss provision to net charge-offs | 235.4970% | 1,021 |
| Earnings coverage of net charge-offs (x) | 17.0903% | 1,909 |
| Efficiency ratio | 58.6624% | 3,126 |
| Assets per employee ($millions) | 10.8777% | 517 |
| Cash dividends to net income (ytd only)* | 8.3144% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,077 |
| Loan loss allowance to noncurrent loans | 298.9885% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 1,553 |
| Noncurrent loans to loans | 0.4198% | 1,780 |
| Net loans and leases to total assets | 77.4300% | 953 |
| Net loans and leases to deposits | 88.6953% | 1,327 |
| Net loans and leases to core deposits | 114.5535% | 709 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 10.4333% | 1,587 |
| Core capital (leverage) ratio | 10.3251% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9584% | 1,912 |
| Memoranda: | ||
| Average total assets | $9,927,896,000 | 160 |
| Average earning assets | $9,236,307,250 | 155 |
| Average equity | $996,855,000 | 167 |
| Average total loans | $7,441,459,500 | 154 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 950 |
| Cost of funding earning assets | 2.0579% | 439 |
| Net interest margin | 3.3461% | 2,655 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0886% | 3,378 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.9775% | 2,491 |
| Return on assets (ROA) | 0.9799% | 2,471 |
| Pretax return on assets | 1.1842% | 2,400 |
| Return on Equity (ROE) | 9.8800% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.8831% | 1,435 |
| Net charge-offs to loans | 0.0874% | 743 |
| Credit loss provision to net charge-offs | 322.6625% | 826 |
| Earnings coverage of net charge-offs (x) | 21.5632% | 1,716 |
| Efficiency ratio | 57.6706% | 3,230 |
| Assets per employee ($millions) | 11.5655% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,254 |
| Loan loss allowance to noncurrent loans | 351.0940% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,829 |
| Noncurrent loans to loans | 0.3519% | 1,876 |
| Net loans and leases to total assets | 74.6300% | 1,213 |
| Net loans and leases to deposits | 88.2029% | 1,326 |
| Net loans and leases to core deposits | 113.3591% | 703 |
| Total domestic deposits to total assets | 84.6100% | 2,657 |
| Equity capital to assets | 10.0507% | 1,827 |
| Core capital (leverage) ratio | 10.0507% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5429% | 2,079 |
| Memoranda: | ||
| Average total assets | $10,013,759,000 | 155 |
| Average earning assets | $9,328,475,000 | 150 |
| Average equity | $992,830,000 | 165 |
| Average total loans | $7,394,277,000 | 150 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 976 |
| Cost of funding earning assets | 1.7570% | 486 |
| Net interest margin | 3.4242% | 2,571 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.0643% | 3,463 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.9940% | 2,552 |
| Return on assets (ROA) | 0.9986% | 2,498 |
| Pretax return on assets | 1.2486% | 2,305 |
| Return on Equity (ROE) | 10.1400% | 2,748 |
| Retained earnings to average equity (ytd only) | 10.1427% | 1,666 |
| Net charge-offs to loans | 0.0721% | 715 |
| Credit loss provision to net charge-offs | 469.7178% | 571 |
| Earnings coverage of net charge-offs (x) | 28.3471% | 1,329 |
| Efficiency ratio | 55.7405% | 3,429 |
| Assets per employee ($millions) | 11.7468% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,323 |
| Loan loss allowance to noncurrent loans | 427.8646% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,050 |
| Noncurrent loans to loans | 0.2904% | 2,101 |
| Net loans and leases to total assets | 70.9900% | 1,524 |
| Net loans and leases to deposits | 88.5409% | 1,163 |
| Net loans and leases to core deposits | 101.6833% | 1,015 |
| Total domestic deposits to total assets | 80.1700% | 3,740 |
| Equity capital to assets | 9.7571% | 1,957 |
| Core capital (leverage) ratio | 10.1686% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6112% | 2,133 |
| Memoranda: | ||
| Average total assets | $9,966,525,000 | 160 |
| Average earning assets | $9,275,217,500 | 156 |
| Average equity | $981,273,000 | 169 |
| Average total loans | $7,272,472,000 | 155 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 3,361 |
| Cost of funding earning assets | 0.4865% | 1,491 |
| Net interest margin | 2.9072% | 3,656 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.7331% | 4,117 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.9729% | 2,662 |
| Return on assets (ROA) | 0.9608% | 2,666 |
| Pretax return on assets | 1.1842% | 2,488 |
| Return on Equity (ROE) | 10.0400% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.6012% | 1,604 |
| Net charge-offs to loans | 0.0671% | 975 |
| Credit loss provision to net charge-offs | 154.1950% | 1,283 |
| Earnings coverage of net charge-offs (x) | 27.9840% | 1,718 |
| Efficiency ratio | 56.4071% | 3,536 |
| Assets per employee ($millions) | 11.7883% | 414 |
| Cash dividends to net income (ytd only)* | 14.3219% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,292 |
| Loan loss allowance to noncurrent loans | 227.3785% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,264 |
| Noncurrent loans to loans | 0.5369% | 1,375 |
| Net loans and leases to total assets | 73.2300% | 1,288 |
| Net loans and leases to deposits | 89.4730% | 1,089 |
| Net loans and leases to core deposits | 94.8438% | 1,257 |
| Total domestic deposits to total assets | 81.8500% | 3,648 |
| Equity capital to assets | 9.9405% | 1,736 |
| Core capital (leverage) ratio | 9.9393% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3928% | 2,202 |
| Memoranda: | ||
| Average total assets | $9,810,402,000 | 161 |
| Average earning assets | $9,144,966,000 | 157 |
| Average equity | $938,946,200 | 175 |
| Average total loans | $6,798,390,600 | 160 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 2,390 |
| Cost of funding earning assets | 0.3594% | 1,626 |
| Net interest margin | 3.2245% | 2,552 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.9799% | 3,534 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1079% | 2,056 |
| Return on assets (ROA) | 1.0878% | 2,116 |
| Pretax return on assets | 1.3334% | 1,939 |
| Return on Equity (ROE) | 12.9600% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.2619% | 1,271 |
| Net charge-offs to loans | 0.1146% | 545 |
| Credit loss provision to net charge-offs | 65.0287% | 1,471 |
| Earnings coverage of net charge-offs (x) | 18.3952% | 1,762 |
| Efficiency ratio | 57.7238% | 3,414 |
| Assets per employee ($millions) | 10.8101% | 526 |
| Cash dividends to net income (ytd only)* | 20.8054% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 2,998 |
| Loan loss allowance to noncurrent loans | 158.9083% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,039 |
| Noncurrent loans to loans | 0.6949% | 1,174 |
| Net loans and leases to total assets | 71.2400% | 1,372 |
| Net loans and leases to deposits | 84.2099% | 1,283 |
| Net loans and leases to core deposits | 87.9875% | 1,414 |
| Total domestic deposits to total assets | 84.5900% | 3,370 |
| Equity capital to assets | 7.6819% | 3,099 |
| Core capital (leverage) ratio | 9.1496% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8148% | 2,546 |
| Memoranda: | ||
| Average total assets | $7,952,896,000 | 188 |
| Average earning assets | $7,480,087,750 | 181 |
| Average equity | $667,660,000 | 221 |
| Average total loans | $5,469,236,250 | 182 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 2,739 |
| Cost of funding earning assets | 0.2653% | 2,083 |
| Net interest margin | 3.0355% | 2,780 |
| Noninterest income to average assets | 0.4493% | 2,454 |
| Noninterest expense to average assets | 1.8997% | 3,700 |
| Loan and lease loss provision to assets | 0.0784% | 1,238 |
| Net operating income to assets | 1.0756% | 1,874 |
| Return on assets (ROA) | 1.0756% | 1,851 |
| Pretax return on assets | 1.3268% | 1,654 |
| Return on Equity (ROE) | 12.4621% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.4079% | 1,171 |
| Net charge-offs to loans | 0.1227% | 509 |
| Credit loss provision to net charge-offs | 55.7605% | 1,469 |
| Earnings coverage of net charge-offs (x) | 16.9250% | 1,613 |
| Efficiency ratio | 57.4721% | 3,628 |
| Assets per employee ($millions) | 11.5979% | 424 |
| Cash dividends to net income (ytd only)* | 24.5075% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,043 |
| Loan loss allowance to noncurrent loans | 133.5174% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 912 |
| Noncurrent loans to loans | 0.8457% | 1,013 |
| Net loans and leases to total assets | 68.6731% | 1,421 |
| Net loans and leases to deposits | 87.1766% | 897 |
| Net loans and leases to core deposits | 91.5436% | 1,039 |
| Total domestic deposits to total assets | 78.7746% | 4,308 |
| Equity capital to assets | 8.0379% | 3,094 |
| Core capital (leverage) ratio | 9.4728% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3887% | 2,346 |
| Memoranda: | ||
| Average total assets | $7,966,193,667 | 183 |
| Average earning assets | $7,494,101,333 | 180 |
| Average equity | $687,591,333 | 214 |
| Average total loans | $5,392,335,000 | 182 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1211% | 2,911 |
| Cost of funding earning assets | 0.2524% | 2,129 |
| Net interest margin | 2.8687% | 2,928 |
| Noninterest income to average assets | 0.4750% | 2,277 |
| Noninterest expense to average assets | 1.8592% | 3,781 |
| Loan and lease loss provision to assets | -0.0165% | 4,440 |
| Net operating income to assets | 1.0785% | 1,590 |
| Return on assets (ROA) | 1.0785% | 1,586 |
| Pretax return on assets | 1.3362% | 1,421 |
| Return on Equity (ROE) | 12.0734% | 1,286 |
| Retained earnings to average equity (ytd only) | 9.2481% | 1,203 |
| Net charge-offs to loans | 0.1326% | 428 |
| Credit loss provision to net charge-offs | -37.5499% | 2,802 |
| Earnings coverage of net charge-offs (x) | 14.8974% | 1,362 |
| Efficiency ratio | 58.4687% | 3,636 |
| Assets per employee ($millions) | 11.6681% | 431 |
| Cash dividends to net income (ytd only)* | 23.4006% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,973 |
| Loan loss allowance to noncurrent loans | 104.1424% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 732 |
| Noncurrent loans to loans | 1.1318% | 788 |
| Net loans and leases to total assets | 64.7439% | 1,529 |
| Net loans and leases to deposits | 76.6183% | 1,392 |
| Net loans and leases to core deposits | 80.3462% | 1,455 |
| Total domestic deposits to total assets | 84.5019% | 3,656 |
| Equity capital to assets | 8.4514% | 3,206 |
| Core capital (leverage) ratio | 9.2647% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9454% | 2,234 |
| Memoranda: | ||
| Average total assets | $7,924,814,000 | 185 |
| Average earning assets | $7,469,566,500 | 184 |
| Average equity | $707,905,500 | 211 |
| Average total loans | $5,293,209,500 | 182 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 2,915 |
| Cost of funding earning assets | 0.2976% | 2,430 |
| Net interest margin | 3.1081% | 2,880 |
| Noninterest income to average assets | 0.5475% | 2,372 |
| Noninterest expense to average assets | 1.9158% | 3,891 |
| Loan and lease loss provision to assets | -0.1432% | 4,619 |
| Net operating income to assets | 1.3983% | 1,283 |
| Return on assets (ROA) | 1.4173% | 1,292 |
| Pretax return on assets | 1.7281% | 1,077 |
| Return on Equity (ROE) | 15.2668% | 893 |
| Retained earnings to average equity (ytd only) | 12.8458% | 416 |
| Net charge-offs to loans | 0.2012% | 475 |
| Credit loss provision to net charge-offs | -95.6845% | 3,351 |
| Earnings coverage of net charge-offs (x) | 10.4052% | 2,209 |
| Efficiency ratio | 55.0705% | 3,808 |
| Assets per employee ($millions) | 11.4517% | 451 |
| Cash dividends to net income (ytd only)* | 15.8581% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,805 |
| Loan loss allowance to noncurrent loans | 92.8640% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 642 |
| Noncurrent loans to loans | 1.3094% | 722 |
| Net loans and leases to total assets | 67.2828% | 1,336 |
| Net loans and leases to deposits | 79.4569% | 1,258 |
| Net loans and leases to core deposits | 83.4827% | 1,356 |
| Total domestic deposits to total assets | 84.6784% | 3,368 |
| Equity capital to assets | 9.4297% | 3,202 |
| Core capital (leverage) ratio | 9.6614% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0857% | 2,207 |
| Memoranda: | ||
| Average total assets | $7,518,966,600 | 194 |
| Average earning assets | $7,088,060,000 | 189 |
| Average equity | $698,050,800 | 215 |
| Average total loans | $5,608,194,400 | 176 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 2,969 |
| Cost of funding earning assets | 0.3086% | 2,512 |
| Net interest margin | 3.1384% | 2,942 |
| Noninterest income to average assets | 0.5876% | 2,264 |
| Noninterest expense to average assets | 1.9162% | 3,903 |
| Loan and lease loss provision to assets | -0.1453% | 4,681 |
| Net operating income to assets | 1.4325% | 1,438 |
| Return on assets (ROA) | 1.4568% | 1,433 |
| Pretax return on assets | 1.8049% | 1,153 |
| Return on Equity (ROE) | 15.7561% | 996 |
| Retained earnings to average equity (ytd only) | 12.8715% | 659 |
| Net charge-offs to loans | 0.2016% | 416 |
| Credit loss provision to net charge-offs | -94.6229% | 3,222 |
| Earnings coverage of net charge-offs (x) | 10.5970% | 2,032 |
| Efficiency ratio | 54.0171% | 3,813 |
| Assets per employee ($millions) | 11.1283% | 465 |
| Cash dividends to net income (ytd only)* | 18.3074% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 2,391 |
| Loan loss allowance to noncurrent loans | 94.6932% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 618 |
| Noncurrent loans to loans | 1.3944% | 764 |
| Net loans and leases to total assets | 70.3186% | 1,053 |
| Net loans and leases to deposits | 84.2248% | 947 |
| Net loans and leases to core deposits | 89.0895% | 1,089 |
| Total domestic deposits to total assets | 83.4891% | 3,582 |
| Equity capital to assets | 9.6563% | 3,241 |
| Core capital (leverage) ratio | 9.4825% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0146% | 2,358 |
| Memoranda: | ||
| Average total assets | $7,449,051,250 | 195 |
| Average earning assets | $7,021,472,750 | 191 |
| Average equity | $688,716,750 | 217 |
| Average total loans | $5,682,313,500 | 176 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 2,914 |
| Cost of funding earning assets | 0.3160% | 2,633 |
| Net interest margin | 3.1759% | 2,829 |
| Noninterest income to average assets | 0.5532% | 2,393 |
| Noninterest expense to average assets | 1.9024% | 3,958 |
| Loan and lease loss provision to assets | -0.1126% | 4,648 |
| Net operating income to assets | 1.4183% | 1,520 |
| Return on assets (ROA) | 1.4547% | 1,481 |
| Pretax return on assets | 1.8044% | 1,221 |
| Return on Equity (ROE) | 15.9690% | 963 |
| Retained earnings to average equity (ytd only) | 12.4640% | 816 |
| Net charge-offs to loans | 0.1963% | 437 |
| Credit loss provision to net charge-offs | -67.7657% | 3,010 |
| Earnings coverage of net charge-offs (x) | 10.7648% | 1,790 |
| Efficiency ratio | 53.5734% | 3,857 |
| Assets per employee ($millions) | 10.9260% | 468 |
| Cash dividends to net income (ytd only)* | 21.9492% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,990 |
| Loan loss allowance to noncurrent loans | 90.1485% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 539 |
| Noncurrent loans to loans | 1.5492% | 726 |
| Net loans and leases to total assets | 75.2650% | 656 |
| Net loans and leases to deposits | 89.5756% | 672 |
| Net loans and leases to core deposits | 95.1345% | 848 |
| Total domestic deposits to total assets | 84.0240% | 3,432 |
| Equity capital to assets | 9.6807% | 3,173 |
| Core capital (leverage) ratio | 9.1507% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8956% | 2,404 |
| Memoranda: | ||
| Average total assets | $7,454,156,667 | 196 |
| Average earning assets | $7,032,007,333 | 189 |
| Average equity | $679,013,667 | 220 |
| Average total loans | $5,810,670,000 | 172 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 3,023 |
| Cost of funding earning assets | 0.3249% | 2,753 |
| Net interest margin | 3.1411% | 2,868 |
| Noninterest income to average assets | 0.6092% | 2,168 |
| Noninterest expense to average assets | 1.9148% | 3,955 |
| Loan and lease loss provision to assets | 0.0747% | 1,694 |
| Net operating income to assets | 1.2924% | 1,853 |
| Return on assets (ROA) | 1.3639% | 1,738 |
| Pretax return on assets | 1.6851% | 1,525 |
| Return on Equity (ROE) | 15.4353% | 1,128 |
| Retained earnings to average equity (ytd only) | 13.4006% | 835 |
| Net charge-offs to loans | 0.1944% | 420 |
| Credit loss provision to net charge-offs | 46.9938% | 1,321 |
| Earnings coverage of net charge-offs (x) | 10.9236% | 1,479 |
| Efficiency ratio | 53.3571% | 3,867 |
| Assets per employee ($millions) | 11.3266% | 407 |
| Cash dividends to net income (ytd only)* | 13.1819% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,874 |
| Loan loss allowance to noncurrent loans | 87.8551% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 518 |
| Noncurrent loans to loans | 1.6165% | 753 |
| Net loans and leases to total assets | 78.4573% | 439 |
| Net loans and leases to deposits | 92.4082% | 571 |
| Net loans and leases to core deposits | 106.4144% | 496 |
| Total domestic deposits to total assets | 84.9029% | 3,142 |
| Equity capital to assets | 8.9350% | 3,746 |
| Core capital (leverage) ratio | 9.0225% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0763% | 2,640 |
| Memoranda: | ||
| Average total assets | $7,564,737,500 | 190 |
| Average earning assets | $7,169,966,000 | 185 |
| Average equity | $668,417,500 | 220 |
| Average total loans | $5,955,497,000 | 172 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 3,506 |
| Cost of funding earning assets | 0.5840% | 2,420 |
| Net interest margin | 3.1431% | 3,512 |
| Noninterest income to average assets | 0.7773% | 1,602 |
| Noninterest expense to average assets | 2.1498% | 3,826 |
| Loan and lease loss provision to assets | 0.9050% | 125 |
| Net operating income to assets | 0.5583% | 3,879 |
| Return on assets (ROA) | 0.5656% | 3,959 |
| Pretax return on assets | 0.6899% | 3,902 |
| Return on Equity (ROE) | 6.1745% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.5373% | 3,063 |
| Net charge-offs to loans | 0.2149% | 814 |
| Credit loss provision to net charge-offs | 530.5411% | 1,204 |
| Earnings coverage of net charge-offs (x) | 9.2927% | 2,536 |
| Efficiency ratio | 57.5058% | 3,791 |
| Assets per employee ($millions) | 11.2719% | 379 |
| Cash dividends to net income (ytd only)* | 42.7119% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,711 |
| Loan loss allowance to noncurrent loans | 104.8829% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 822 |
| Noncurrent loans to loans | 1.3967% | 972 |
| Net loans and leases to total assets | 76.7331% | 718 |
| Net loans and leases to deposits | 100.5364% | 353 |
| Net loans and leases to core deposits | 114.2478% | 402 |
| Total domestic deposits to total assets | 76.3237% | 4,486 |
| Equity capital to assets | 8.7378% | 4,263 |
| Core capital (leverage) ratio | 8.9889% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9187% | 2,660 |
| Memoranda: | ||
| Average total assets | $6,519,224,200 | 199 |
| Average earning assets | $6,136,280,000 | 198 |
| Average equity | $597,211,000 | 229 |
| Average total loans | $5,176,549,600 | 184 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 3,425 |
| Cost of funding earning assets | 0.6620% | 2,253 |
| Net interest margin | 3.1828% | 3,536 |
| Noninterest income to average assets | 0.8206% | 1,419 |
| Noninterest expense to average assets | 2.2342% | 3,595 |
| Loan and lease loss provision to assets | 1.1156% | 104 |
| Net operating income to assets | 0.3880% | 4,288 |
| Return on assets (ROA) | 0.3944% | 4,340 |
| Pretax return on assets | 0.4679% | 4,349 |
| Return on Equity (ROE) | 4.2455% | 4,111 |
| Retained earnings to average equity (ytd only) | 0.6283% | 4,350 |
| Net charge-offs to loans | 0.2503% | 611 |
| Credit loss provision to net charge-offs | 557.5774% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.8839% | 2,539 |
| Efficiency ratio | 58.5936% | 3,584 |
| Assets per employee ($millions) | 10.6210% | 421 |
| Cash dividends to net income (ytd only)* | 85.1996% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,669 |
| Loan loss allowance to noncurrent loans | 89.4934% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 730 |
| Noncurrent loans to loans | 1.5816% | 897 |
| Net loans and leases to total assets | 80.3912% | 575 |
| Net loans and leases to deposits | 95.4301% | 804 |
| Net loans and leases to core deposits | 117.1414% | 476 |
| Total domestic deposits to total assets | 84.2409% | 2,736 |
| Equity capital to assets | 8.3441% | 4,548 |
| Core capital (leverage) ratio | 8.7486% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0030% | 2,922 |
| Memoranda: | ||
| Average total assets | $6,249,715,500 | 208 |
| Average earning assets | $5,870,189,750 | 202 |
| Average equity | $580,555,000 | 231 |
| Average total loans | $4,991,616,000 | 184 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,467 |
| Cost of funding earning assets | 0.7543% | 2,093 |
| Net interest margin | 3.1946% | 3,682 |
| Noninterest income to average assets | 0.8062% | 1,415 |
| Noninterest expense to average assets | 2.2877% | 3,552 |
| Loan and lease loss provision to assets | 1.3162% | 114 |
| Net operating income to assets | 0.1837% | 4,595 |
| Return on assets (ROA) | 0.1854% | 4,632 |
| Pretax return on assets | 0.1957% | 4,636 |
| Return on Equity (ROE) | 1.9185% | 4,547 |
| Retained earnings to average equity (ytd only) | -0.7663% | 4,441 |
| Net charge-offs to loans | 0.3201% | 506 |
| Credit loss provision to net charge-offs | 518.5371% | 1,204 |
| Earnings coverage of net charge-offs (x) | 5.9567% | 2,477 |
| Efficiency ratio | 60.1879% | 3,389 |
| Assets per employee ($millions) | 10.0181% | 498 |
| Cash dividends to net income (ytd only)* | 139.9422% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,016 |
| Loan loss allowance to noncurrent loans | 112.3981% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 1,187 |
| Noncurrent loans to loans | 1.1538% | 1,368 |
| Net loans and leases to total assets | 81.1150% | 493 |
| Net loans and leases to deposits | 99.5981% | 578 |
| Net loans and leases to core deposits | 116.9980% | 499 |
| Total domestic deposits to total assets | 81.4423% | 3,513 |
| Equity capital to assets | 8.8233% | 4,239 |
| Core capital (leverage) ratio | 8.7523% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5186% | 2,808 |
| Memoranda: | ||
| Average total assets | $5,975,089,333 | 211 |
| Average earning assets | $5,595,427,667 | 203 |
| Average equity | $577,329,667 | 234 |
| Average total loans | $4,732,757,667 | 186 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,319 |
| Cost of funding earning assets | 0.9149% | 1,791 |
| Net interest margin | 3.2558% | 3,701 |
| Noninterest income to average assets | 0.5844% | 2,107 |
| Noninterest expense to average assets | 2.3180% | 3,733 |
| Loan and lease loss provision to assets | 1.3008% | 133 |
| Net operating income to assets | 0.0364% | 4,726 |
| Return on assets (ROA) | 0.0402% | 4,717 |
| Pretax return on assets | 0.0063% | 4,732 |
| Return on Equity (ROE) | 0.3963% | 4,703 |
| Retained earnings to average equity (ytd only) | -1.3449% | 4,181 |
| Net charge-offs to loans | 0.1005% | 1,080 |
| Credit loss provision to net charge-offs | 1,670.8447% | 387 |
| Earnings coverage of net charge-offs (x) | 16.7402% | 1,514 |
| Efficiency ratio | 63.9440% | 3,242 |
| Assets per employee ($millions) | 9.2320% | 495 |
| Cash dividends to net income (ytd only)* | 439.3673% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,511 |
| Loan loss allowance to noncurrent loans | 88.7663% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 1,127 |
| Noncurrent loans to loans | 1.3861% | 1,157 |
| Net loans and leases to total assets | 74.7677% | 1,496 |
| Net loans and leases to deposits | 98.5326% | 656 |
| Net loans and leases to core deposits | 117.7243% | 537 |
| Total domestic deposits to total assets | 75.8812% | 4,499 |
| Equity capital to assets | 9.6066% | 4,129 |
| Core capital (leverage) ratio | 10.3558% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0165% | 2,690 |
| Memoranda: | ||
| Average total assets | $5,656,668,500 | 214 |
| Average earning assets | $5,276,427,000 | 210 |
| Average equity | $574,299,500 | 237 |
| Average total loans | $4,382,269,000 | 202 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 2,008 |
| Cost of funding earning assets | 1.1194% | 1,260 |
| Net interest margin | 3.6927% | 2,834 |
| Noninterest income to average assets | 0.6552% | 1,989 |
| Noninterest expense to average assets | 2.5755% | 3,245 |
| Loan and lease loss provision to assets | 0.1814% | 1,140 |
| Net operating income to assets | 1.0768% | 2,537 |
| Return on assets (ROA) | 1.0771% | 2,635 |
| Pretax return on assets | 1.3305% | 2,395 |
| Return on Equity (ROE) | 9.9707% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.2350% | 1,289 |
| Net charge-offs to loans | 0.1456% | 1,351 |
| Credit loss provision to net charge-offs | 156.3254% | 1,648 |
| Earnings coverage of net charge-offs (x) | 13.0278% | 2,377 |
| Efficiency ratio | 62.9466% | 3,224 |
| Assets per employee ($millions) | 7.9611% | 727 |
| Cash dividends to net income (ytd only)* | 27.4374% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 3,992 |
| Loan loss allowance to noncurrent loans | 62.3732% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 950 |
| Noncurrent loans to loans | 1.4295% | 1,024 |
| Net loans and leases to total assets | 78.7766% | 966 |
| Net loans and leases to deposits | 98.3676% | 728 |
| Net loans and leases to core deposits | 110.6620% | 819 |
| Total domestic deposits to total assets | 80.0838% | 3,962 |
| Equity capital to assets | 10.7734% | 3,207 |
| Core capital (leverage) ratio | 10.5580% | 2,900 |
| Tier 1 risk-based capital ratio | 11.5518% | 4,603 |
| Total risk-based capital ratio | 12.3762% | 4,700 |
| Memoranda: | ||
| Average total assets | $5,075,810,000 | 223 |
| Average earning assets | $4,717,148,200 | 221 |
| Average equity | $548,305,800 | 231 |
| Average total loans | $4,045,715,200 | 205 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 1,913 |
| Cost of funding earning assets | 1.1534% | 1,163 |
| Net interest margin | 3.7173% | 2,862 |
| Noninterest income to average assets | 0.6669% | 1,924 |
| Noninterest expense to average assets | 2.6075% | 3,148 |
| Loan and lease loss provision to assets | 0.1604% | 1,168 |
| Net operating income to assets | 1.0963% | 2,583 |
| Return on assets (ROA) | 1.0967% | 2,676 |
| Pretax return on assets | 1.3503% | 2,493 |
| Return on Equity (ROE) | 10.1453% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.1976% | 1,758 |
| Net charge-offs to loans | 0.1037% | 1,437 |
| Credit loss provision to net charge-offs | 193.8062% | 1,353 |
| Earnings coverage of net charge-offs (x) | 18.2513% | 2,058 |
| Efficiency ratio | 63.2536% | 3,117 |
| Assets per employee ($millions) | 7.9731% | 698 |
| Cash dividends to net income (ytd only)* | 29.0543% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,151 |
| Loan loss allowance to noncurrent loans | 64.7901% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 1,126 |
| Noncurrent loans to loans | 1.3465% | 1,140 |
| Net loans and leases to total assets | 78.6170% | 1,044 |
| Net loans and leases to deposits | 98.2157% | 799 |
| Net loans and leases to core deposits | 116.3422% | 644 |
| Total domestic deposits to total assets | 80.0453% | 3,983 |
| Equity capital to assets | 10.4337% | 3,606 |
| Core capital (leverage) ratio | 10.5294% | 3,086 |
| Tier 1 risk-based capital ratio | 11.2541% | 4,792 |
| Total risk-based capital ratio | 12.0819% | 4,878 |
| Memoranda: | ||
| Average total assets | $5,021,236,750 | 227 |
| Average earning assets | $4,661,166,750 | 223 |
| Average equity | $542,793,500 | 235 |
| Average total loans | $4,005,136,000 | 208 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 1,768 |
| Cost of funding earning assets | 1.1543% | 1,121 |
| Net interest margin | 3.7408% | 2,787 |
| Noninterest income to average assets | 0.6344% | 2,003 |
| Noninterest expense to average assets | 2.6801% | 2,978 |
| Loan and lease loss provision to assets | 0.1061% | 1,764 |
| Net operating income to assets | 1.0826% | 2,591 |
| Return on assets (ROA) | 1.0826% | 2,659 |
| Pretax return on assets | 1.3206% | 2,476 |
| Return on Equity (ROE) | 9.8897% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.1450% | 992 |
| Net charge-offs to loans | 0.0063% | 2,928 |
| Credit loss provision to net charge-offs | 2,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 282.2661% | 278 |
| Efficiency ratio | 65.1808% | 2,950 |
| Assets per employee ($millions) | 7.5607% | 787 |
| Cash dividends to net income (ytd only)* | 7.5304% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,058 |
| Loan loss allowance to noncurrent loans | 64.6602% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 1,129 |
| Noncurrent loans to loans | 1.4032% | 1,106 |
| Net loans and leases to total assets | 78.7351% | 1,084 |
| Net loans and leases to deposits | 103.6208% | 436 |
| Net loans and leases to core deposits | 119.1959% | 570 |
| Total domestic deposits to total assets | 75.9839% | 4,671 |
| Equity capital to assets | 10.8778% | 3,197 |
| Core capital (leverage) ratio | 10.6997% | 2,894 |
| Tier 1 risk-based capital ratio | 11.6981% | 4,575 |
| Total risk-based capital ratio | 12.5407% | 4,686 |
| Memoranda: | ||
| Average total assets | $4,906,357,000 | 231 |
| Average earning assets | $4,554,484,000 | 228 |
| Average equity | $537,104,330 | 238 |
| Average total loans | $3,921,642,000 | 212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 1,676 |
| Cost of funding earning assets | 1.1030% | 1,173 |
| Net interest margin | 3.7716% | 2,626 |
| Noninterest income to average assets | 0.6598% | 1,781 |
| Noninterest expense to average assets | 2.6626% | 3,023 |
| Loan and lease loss provision to assets | 0.0684% | 2,300 |
| Net operating income to assets | 1.1781% | 2,133 |
| Return on assets (ROA) | 1.1781% | 2,184 |
| Pretax return on assets | 1.4313% | 1,984 |
| Return on Equity (ROE) | 10.7263% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.7263% | 878 |
| Net charge-offs to loans | -0.0572% | 4,868 |
| Credit loss provision to net charge-offs | -149.0942% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8806% | 3,258 |
| Assets per employee ($millions) | 7.1288% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,094 |
| Loan loss allowance to noncurrent loans | 60.8046% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 1,029 |
| Noncurrent loans to loans | 1.5078% | 1,065 |
| Net loans and leases to total assets | 79.4353% | 916 |
| Net loans and leases to deposits | 98.3629% | 754 |
| Net loans and leases to core deposits | 118.8094% | 561 |
| Total domestic deposits to total assets | 80.7574% | 4,012 |
| Equity capital to assets | 11.1234% | 2,728 |
| Core capital (leverage) ratio | 10.8489% | 2,720 |
| Tier 1 risk-based capital ratio | 11.8454% | 4,541 |
| Total risk-based capital ratio | 12.6867% | 4,677 |
| Memoranda: | ||
| Average total assets | $4,815,357,000 | 237 |
| Average earning assets | $4,471,641,500 | 232 |
| Average equity | $528,905,500 | 241 |
| Average total loans | $3,860,961,000 | 217 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,186 |
| Cost of funding earning assets | 0.8305% | 1,388 |
| Net interest margin | 3.7504% | 2,858 |
| Noninterest income to average assets | 0.6537% | 2,032 |
| Noninterest expense to average assets | 2.6993% | 3,027 |
| Loan and lease loss provision to assets | 0.0358% | 3,485 |
| Net operating income to assets | 1.1606% | 2,343 |
| Return on assets (ROA) | 1.1604% | 2,342 |
| Pretax return on assets | 1.4000% | 2,139 |
| Return on Equity (ROE) | 10.7073% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.7683% | 663 |
| Net charge-offs to loans | 0.1272% | 1,481 |
| Credit loss provision to net charge-offs | 35.4405% | 3,316 |
| Earnings coverage of net charge-offs (x) | 14.2334% | 2,391 |
| Efficiency ratio | 65.1571% | 3,007 |
| Assets per employee ($millions) | 7.0757% | 944 |
| Cash dividends to net income (ytd only)* | 8.7699% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 4,204 |
| Loan loss allowance to noncurrent loans | 53.9088% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 868 |
| Noncurrent loans to loans | 1.6517% | 883 |
| Net loans and leases to total assets | 79.4761% | 1,023 |
| Net loans and leases to deposits | 100.3439% | 714 |
| Net loans and leases to core deposits | 122.3808% | 487 |
| Total domestic deposits to total assets | 79.2037% | 4,265 |
| Equity capital to assets | 10.8425% | 2,850 |
| Core capital (leverage) ratio | 10.8129% | 2,727 |
| Tier 1 risk-based capital ratio | 11.7310% | 4,606 |
| Total risk-based capital ratio | 12.5530% | 4,719 |
| Memoranda: | ||
| Average total assets | $4,421,821,800 | 245 |
| Average earning assets | $4,104,776,000 | 241 |
| Average equity | $479,223,800 | 253 |
| Average total loans | $3,505,793,400 | 227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 2,362 |
| Cost of funding earning assets | 0.7713% | 1,475 |
| Net interest margin | 3.7097% | 2,986 |
| Noninterest income to average assets | 0.6404% | 2,115 |
| Noninterest expense to average assets | 2.7069% | 2,961 |
| Loan and lease loss provision to assets | -0.0094% | 5,215 |
| Net operating income to assets | 1.1473% | 2,445 |
| Return on assets (ROA) | 1.1473% | 2,457 |
| Pretax return on assets | 1.3840% | 2,286 |
| Return on Equity (ROE) | 10.5872% | 2,355 |
| Retained earnings to average equity (ytd only) | 10.0189% | 919 |
| Net charge-offs to loans | 0.0410% | 2,266 |
| Credit loss provision to net charge-offs | -29.0200% | 4,128 |
| Earnings coverage of net charge-offs (x) | 42.4728% | 1,304 |
| Efficiency ratio | 66.1918% | 2,835 |
| Assets per employee ($millions) | 6.8458% | 1,000 |
| Cash dividends to net income (ytd only)* | 5.3683% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,902 |
| Loan loss allowance to noncurrent loans | 61.5060% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 1,015 |
| Noncurrent loans to loans | 1.5907% | 998 |
| Net loans and leases to total assets | 78.0222% | 1,343 |
| Net loans and leases to deposits | 96.7915% | 1,063 |
| Net loans and leases to core deposits | 116.0528% | 712 |
| Total domestic deposits to total assets | 80.6085% | 3,976 |
| Equity capital to assets | 10.8650% | 2,787 |
| Core capital (leverage) ratio | 10.9834% | 2,595 |
| Tier 1 risk-based capital ratio | 11.6306% | 4,721 |
| Total risk-based capital ratio | 12.5095% | 4,816 |
| Memoranda: | ||
| Average total assets | $4,329,711,750 | 247 |
| Average earning assets | $4,016,231,000 | 243 |
| Average equity | $469,183,250 | 253 |
| Average total loans | $3,421,913,000 | 228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,426 |
| Cost of funding earning assets | 0.7162% | 1,538 |
| Net interest margin | 3.6813% | 3,005 |
| Noninterest income to average assets | 0.6654% | 2,026 |
| Noninterest expense to average assets | 2.7393% | 2,882 |
| Loan and lease loss provision to assets | -0.0671% | 5,392 |
| Net operating income to assets | 1.1640% | 2,331 |
| Return on assets (ROA) | 1.1640% | 2,335 |
| Pretax return on assets | 1.4041% | 2,131 |
| Return on Equity (ROE) | 10.7522% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.8783% | 959 |
| Net charge-offs to loans | 0.0905% | 1,444 |
| Credit loss provision to net charge-offs | -93.6592% | 4,083 |
| Earnings coverage of net charge-offs (x) | 18.6691% | 1,886 |
| Efficiency ratio | 67.0589% | 2,810 |
| Assets per employee ($millions) | 6.5352% | 1,163 |
| Cash dividends to net income (ytd only)* | 8.1274% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,882 |
| Loan loss allowance to noncurrent loans | 58.4057% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,031 |
| Noncurrent loans to loans | 1.7026% | 936 |
| Net loans and leases to total assets | 78.1197% | 1,292 |
| Net loans and leases to deposits | 92.1094% | 1,569 |
| Net loans and leases to core deposits | 108.3966% | 1,094 |
| Total domestic deposits to total assets | 84.8119% | 2,747 |
| Equity capital to assets | 11.3218% | 2,344 |
| Core capital (leverage) ratio | 11.1085% | 2,431 |
| Tier 1 risk-based capital ratio | 11.9890% | 4,503 |
| Total risk-based capital ratio | 12.8963% | 4,595 |
| Memoranda: | ||
| Average total assets | $4,228,084,670 | 248 |
| Average earning assets | $3,917,509,330 | 243 |
| Average equity | $457,728,330 | 253 |
| Average total loans | $3,345,304,330 | 227 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,524 |
| Cost of funding earning assets | 0.6826% | 1,535 |
| Net interest margin | 3.6143% | 3,118 |
| Noninterest income to average assets | 0.7121% | 1,780 |
| Noninterest expense to average assets | 2.6675% | 3,138 |
| Loan and lease loss provision to assets | -0.1496% | 5,531 |
| Net operating income to assets | 1.2770% | 1,723 |
| Return on assets (ROA) | 1.2770% | 1,727 |
| Pretax return on assets | 1.5413% | 1,562 |
| Return on Equity (ROE) | 12.0853% | 1,552 |
| Retained earnings to average equity (ytd only) | 10.2680% | 1,077 |
| Net charge-offs to loans | 0.1688% | 854 |
| Credit loss provision to net charge-offs | -111.8449% | 3,705 |
| Earnings coverage of net charge-offs (x) | 10.4049% | 1,900 |
| Efficiency ratio | 65.5565% | 3,243 |
| Assets per employee ($millions) | 6.4851% | 1,212 |
| Cash dividends to net income (ytd only)* | 15.0376% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,752 |
| Loan loss allowance to noncurrent loans | 58.4662% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 1,024 |
| Noncurrent loans to loans | 1.7717% | 960 |
| Net loans and leases to total assets | 77.7180% | 1,281 |
| Net loans and leases to deposits | 90.7303% | 1,599 |
| Net loans and leases to core deposits | 105.2824% | 1,291 |
| Total domestic deposits to total assets | 85.6583% | 2,690 |
| Equity capital to assets | 10.5724% | 2,999 |
| Core capital (leverage) ratio | 10.2476% | 3,244 |
| Tier 1 risk-based capital ratio | 11.1571% | 5,051 |
| Total risk-based capital ratio | 12.1037% | 5,111 |
| Memoranda: | ||
| Average total assets | $4,165,890,000 | 249 |
| Average earning assets | $3,857,932,500 | 244 |
| Average equity | $440,204,000 | 262 |
| Average total loans | $3,300,810,500 | 230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,199 |
| Cost of funding earning assets | 0.5789% | 1,750 |
| Net interest margin | 3.4835% | 3,580 |
| Noninterest income to average assets | 0.5250% | 2,850 |
| Noninterest expense to average assets | 3.0168% | 2,123 |
| Loan and lease loss provision to assets | 0.2018% | 1,021 |
| Net operating income to assets | 0.3664% | 4,793 |
| Return on assets (ROA) | 0.3664% | 4,813 |
| Pretax return on assets | 0.5193% | 4,899 |
| Return on Equity (ROE) | 3.4194% | 4,713 |
| Retained earnings to average equity (ytd only) | 1.5861% | 4,359 |
| Net charge-offs to loans | 0.6690% | 323 |
| Credit loss provision to net charge-offs | 37.9333% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.3552% | 3,899 |
| Efficiency ratio | 80.5089% | 1,058 |
| Assets per employee ($millions) | 6.4422% | 1,237 |
| Cash dividends to net income (ytd only)* | 53.6157% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,237 |
| Loan loss allowance to noncurrent loans | 63.0728% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 976 |
| Noncurrent loans to loans | 1.7781% | 900 |
| Net loans and leases to total assets | 79.0505% | 1,109 |
| Net loans and leases to deposits | 92.7391% | 1,415 |
| Net loans and leases to core deposits | 107.9520% | 1,134 |
| Total domestic deposits to total assets | 85.2397% | 2,741 |
| Equity capital to assets | 10.5612% | 3,096 |
| Core capital (leverage) ratio | 10.1267% | 3,276 |
| Tier 1 risk-based capital ratio | 10.8256% | 5,247 |
| Total risk-based capital ratio | 11.8427% | 5,241 |
| Memoranda: | ||
| Average total assets | $4,071,917,200 | 249 |
| Average earning assets | $3,755,615,600 | 244 |
| Average equity | $436,362,800 | 250 |
| Average total loans | $3,238,499,800 | 226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 3,370 |
| Cost of funding earning assets | 0.5592% | 1,815 |
| Net interest margin | 3.4383% | 3,714 |
| Noninterest income to average assets | 0.4640% | 3,252 |
| Noninterest expense to average assets | 3.0640% | 1,909 |
| Loan and lease loss provision to assets | 0.2536% | 680 |
| Net operating income to assets | 0.2960% | 5,223 |
| Return on assets (ROA) | 0.2960% | 5,245 |
| Pretax return on assets | 0.3176% | 5,295 |
| Return on Equity (ROE) | 2.7522% | 5,166 |
| Retained earnings to average equity (ytd only) | 0.9184% | 5,000 |
| Net charge-offs to loans | 0.7781% | 236 |
| Credit loss provision to net charge-offs | 41.0351% | 2,995 |
| Earnings coverage of net charge-offs (x) | 0.9242% | 3,615 |
| Efficiency ratio | 84.0743% | 747 |
| Assets per employee ($millions) | 6.3607% | 1,272 |
| Cash dividends to net income (ytd only)* | 66.6296% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,966 |
| Loan loss allowance to noncurrent loans | 66.5155% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4789% | 1,034 |
| Noncurrent loans to loans | 1.7938% | 1,001 |
| Net loans and leases to total assets | 80.2405% | 951 |
| Net loans and leases to deposits | 94.2185% | 1,275 |
| Net loans and leases to core deposits | 108.9460% | 1,094 |
| Total domestic deposits to total assets | 85.1643% | 2,652 |
| Equity capital to assets | 10.6875% | 3,176 |
| Core capital (leverage) ratio | 10.2673% | 3,236 |
| Tier 1 risk-based capital ratio | 10.6407% | 5,401 |
| Total risk-based capital ratio | 11.7068% | 5,402 |
| Memoranda: | ||
| Average total assets | $4,055,923,750 | 249 |
| Average earning assets | $3,740,796,000 | 247 |
| Average equity | $436,253,500 | 250 |
| Average total loans | $3,221,493,250 | 227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 3,686 |
| Cost of funding earning assets | 0.5396% | 1,848 |
| Net interest margin | 3.3199% | 4,049 |
| Noninterest income to average assets | 0.5820% | 2,549 |
| Noninterest expense to average assets | 2.7337% | 2,972 |
| Loan and lease loss provision to assets | 0.1945% | 950 |
| Net operating income to assets | 0.5506% | 4,518 |
| Return on assets (ROA) | 0.5506% | 4,559 |
| Pretax return on assets | 0.7162% | 4,508 |
| Return on Equity (ROE) | 5.1085% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.2763% | 3,771 |
| Net charge-offs to loans | 0.8039% | 246 |
| Credit loss provision to net charge-offs | 30.6871% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.4370% | 3,282 |
| Efficiency ratio | 74.7870% | 1,882 |
| Assets per employee ($millions) | 6.1932% | 1,326 |
| Cash dividends to net income (ytd only)* | 35.8648% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,477 |
| Loan loss allowance to noncurrent loans | 65.7673% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 927 |
| Noncurrent loans to loans | 1.9574% | 867 |
| Net loans and leases to total assets | 79.5486% | 1,015 |
| Net loans and leases to deposits | 93.6038% | 1,305 |
| Net loans and leases to core deposits | 108.3171% | 1,088 |
| Total domestic deposits to total assets | 84.9844% | 2,820 |
| Equity capital to assets | 10.9685% | 2,839 |
| Core capital (leverage) ratio | 10.3218% | 3,115 |
| Tier 1 risk-based capital ratio | 10.9646% | 5,269 |
| Total risk-based capital ratio | 12.1320% | 5,229 |
| Memoranda: | ||
| Average total assets | $4,050,948,000 | 251 |
| Average earning assets | $3,736,566,330 | 247 |
| Average equity | $436,647,670 | 251 |
| Average total loans | $3,193,352,330 | 228 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 3,969 |
| Cost of funding earning assets | 0.5162% | 1,962 |
| Net interest margin | 3.2246% | 4,262 |
| Noninterest income to average assets | 0.8111% | 1,514 |
| Noninterest expense to average assets | 2.6450% | 3,324 |
| Loan and lease loss provision to assets | 0.1707% | 1,033 |
| Net operating income to assets | 0.7149% | 3,640 |
| Return on assets (ROA) | 0.7149% | 3,678 |
| Pretax return on assets | 0.9675% | 3,505 |
| Return on Equity (ROE) | 6.6906% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.8510% | 2,984 |
| Net charge-offs to loans | 0.0823% | 1,522 |
| Credit loss provision to net charge-offs | 266.0031% | 850 |
| Earnings coverage of net charge-offs (x) | 17.7351% | 1,590 |
| Efficiency ratio | 69.6854% | 2,943 |
| Assets per employee ($millions) | 6.3183% | 1,285 |
| Cash dividends to net income (ytd only)* | 27.4952% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,309 |
| Loan loss allowance to noncurrent loans | 53.2059% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.3964% | 501 |
| Noncurrent loans to loans | 3.0670% | 443 |
| Net loans and leases to total assets | 76.1132% | 1,400 |
| Net loans and leases to deposits | 89.3880% | 1,615 |
| Net loans and leases to core deposits | 104.1270% | 1,215 |
| Total domestic deposits to total assets | 85.1493% | 3,028 |
| Equity capital to assets | 10.7060% | 2,954 |
| Core capital (leverage) ratio | 10.2988% | 3,111 |
| Tier 1 risk-based capital ratio | 11.0737% | 5,269 |
| Total risk-based capital ratio | 12.3268% | 5,171 |
| Memoranda: | ||
| Average total assets | $4,069,823,500 | 248 |
| Average earning assets | $3,751,191,500 | 247 |
| Average equity | $434,878,500 | 252 |
| Average total loans | $3,172,990,000 | 232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 3,889 |
| Cost of funding earning assets | 0.4928% | 2,143 |
| Net interest margin | 3.3140% | 4,100 |
| Noninterest income to average assets | 0.9043% | 1,401 |
| Noninterest expense to average assets | 2.7411% | 3,222 |
| Loan and lease loss provision to assets | 0.6751% | 187 |
| Net operating income to assets | 0.4364% | 4,833 |
| Return on assets (ROA) | 0.4391% | 4,915 |
| Pretax return on assets | 0.5505% | 4,920 |
| Return on Equity (ROE) | 4.3136% | 4,729 |
| Retained earnings to average equity (ytd only) | 2.9113% | 3,829 |
| Net charge-offs to loans | 0.6936% | 314 |
| Credit loss provision to net charge-offs | 121.6566% | 2,182 |
| Earnings coverage of net charge-offs (x) | 2.2025% | 3,865 |
| Efficiency ratio | 68.3779% | 3,175 |
| Assets per employee ($millions) | 6.2686% | 1,282 |
| Cash dividends to net income (ytd only)* | 32.5088% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,895 |
| Loan loss allowance to noncurrent loans | 50.9562% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 562 |
| Noncurrent loans to loans | 2.8340% | 508 |
| Net loans and leases to total assets | 77.3454% | 1,304 |
| Net loans and leases to deposits | 90.8331% | 1,591 |
| Net loans and leases to core deposits | 106.5367% | 1,096 |
| Total domestic deposits to total assets | 85.1512% | 2,979 |
| Equity capital to assets | 10.7550% | 2,861 |
| Core capital (leverage) ratio | 10.3939% | 2,998 |
| Tier 1 risk-based capital ratio | 11.0681% | 5,304 |
| Total risk-based capital ratio | 12.3198% | 5,197 |
| Memoranda: | ||
| Average total assets | $3,940,269,800 | 238 |
| Average earning assets | $3,637,058,600 | 235 |
| Average equity | $401,129,600 | 256 |
| Average total loans | $3,152,163,200 | 222 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,863 |
| Cost of funding earning assets | 0.4899% | 2,170 |
| Net interest margin | 3.3321% | 4,088 |
| Noninterest income to average assets | 0.9585% | 1,237 |
| Noninterest expense to average assets | 2.7145% | 3,318 |
| Loan and lease loss provision to assets | 0.7310% | 152 |
| Net operating income to assets | 0.5037% | 4,689 |
| Return on assets (ROA) | 0.5076% | 4,767 |
| Pretax return on assets | 0.5956% | 4,885 |
| Return on Equity (ROE) | 5.0602% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.4885% | 3,806 |
| Net charge-offs to loans | 0.9318% | 189 |
| Credit loss provision to net charge-offs | 97.5882% | 2,414 |
| Earnings coverage of net charge-offs (x) | 1.7649% | 3,658 |
| Efficiency ratio | 66.3061% | 3,541 |
| Assets per employee ($millions) | 6.1355% | 1,332 |
| Cash dividends to net income (ytd only)* | 31.0590% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,810 |
| Loan loss allowance to noncurrent loans | 60.7426% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 935 |
| Noncurrent loans to loans | 2.1016% | 915 |
| Net loans and leases to total assets | 80.2824% | 849 |
| Net loans and leases to deposits | 95.1191% | 1,135 |
| Net loans and leases to core deposits | 110.0929% | 904 |
| Total domestic deposits to total assets | 84.4019% | 3,062 |
| Equity capital to assets | 10.2618% | 3,844 |
| Core capital (leverage) ratio | 9.6719% | 3,971 |
| Tier 1 risk-based capital ratio | 10.2097% | 5,733 |
| Total risk-based capital ratio | 11.3539% | 5,704 |
| Memoranda: | ||
| Average total assets | $3,911,395,250 | 237 |
| Average earning assets | $3,613,085,750 | 235 |
| Average equity | $392,362,500 | 260 |
| Average total loans | $3,144,475,000 | 222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 4,033 |
| Cost of funding earning assets | 0.4850% | 2,229 |
| Net interest margin | 3.2917% | 4,261 |
| Noninterest income to average assets | 0.9049% | 1,362 |
| Noninterest expense to average assets | 2.7230% | 3,296 |
| Loan and lease loss provision to assets | 0.9540% | 104 |
| Net operating income to assets | 0.2578% | 5,417 |
| Return on assets (ROA) | 0.2578% | 5,487 |
| Pretax return on assets | 0.2691% | 5,537 |
| Return on Equity (ROE) | 2.5894% | 5,366 |
| Retained earnings to average equity (ytd only) | 0.7259% | 5,085 |
| Net charge-offs to loans | 1.0235% | 178 |
| Credit loss provision to net charge-offs | 116.3888% | 1,907 |
| Earnings coverage of net charge-offs (x) | 1.4922% | 3,405 |
| Efficiency ratio | 67.8909% | 3,367 |
| Assets per employee ($millions) | 6.1038% | 1,333 |
| Cash dividends to net income (ytd only)* | 71.9674% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 2,439 |
| Loan loss allowance to noncurrent loans | 65.0176% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 979 |
| Noncurrent loans to loans | 2.1058% | 926 |
| Net loans and leases to total assets | 80.3693% | 847 |
| Net loans and leases to deposits | 96.5510% | 1,020 |
| Net loans and leases to core deposits | 112.5786% | 788 |
| Total domestic deposits to total assets | 83.2402% | 3,559 |
| Equity capital to assets | 9.9838% | 4,248 |
| Core capital (leverage) ratio | 9.5818% | 4,090 |
| Tier 1 risk-based capital ratio | 9.9075% | 5,876 |
| Total risk-based capital ratio | 11.1315% | 5,840 |
| Memoranda: | ||
| Average total assets | $3,908,335,000 | 236 |
| Average earning assets | $3,610,894,000 | 235 |
| Average equity | $389,043,330 | 263 |
| Average total loans | $3,129,889,670 | 223 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,146 |
| Cost of funding earning assets | 0.4863% | 2,216 |
| Net interest margin | 3.2618% | 4,354 |
| Noninterest income to average assets | 1.0646% | 957 |
| Noninterest expense to average assets | 2.7403% | 3,274 |
| Loan and lease loss provision to assets | 1.8330% | 46 |
| Net operating income to assets | -0.2498% | 5,899 |
| Return on assets (ROA) | -0.2498% | 5,908 |
| Pretax return on assets | -0.4967% | 5,959 |
| Return on Equity (ROE) | -2.5136% | 5,922 |
| Retained earnings to average equity (ytd only) | -4.1917% | 5,560 |
| Net charge-offs to loans | 0.5209% | 414 |
| Credit loss provision to net charge-offs | 443.3466% | 658 |
| Earnings coverage of net charge-offs (x) | 3.2321% | 2,569 |
| Efficiency ratio | 66.6188% | 3,699 |
| Assets per employee ($millions) | 6.1000% | 1,342 |
| Cash dividends to net income (ytd only)* | -66.7625% | 6,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 1,198 |
| Loan loss allowance to noncurrent loans | 63.4295% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 690 |
| Noncurrent loans to loans | 2.8004% | 621 |
| Net loans and leases to total assets | 79.2283% | 921 |
| Net loans and leases to deposits | 92.2781% | 1,308 |
| Net loans and leases to core deposits | 109.0554% | 904 |
| Total domestic deposits to total assets | 85.8581% | 2,729 |
| Equity capital to assets | 10.0491% | 4,016 |
| Core capital (leverage) ratio | 9.3491% | 4,432 |
| Tier 1 risk-based capital ratio | 9.8778% | 5,933 |
| Total risk-based capital ratio | 11.1318% | 5,904 |
| Memoranda: | ||
| Average total assets | $3,897,063,000 | 238 |
| Average earning assets | $3,598,647,500 | 236 |
| Average equity | $387,340,000 | 265 |
| Average total loans | $3,093,298,000 | 223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 3,834 |
| Cost of funding earning assets | 0.4400% | 2,740 |
| Net interest margin | 3.4239% | 3,821 |
| Noninterest income to average assets | 0.9759% | 1,245 |
| Noninterest expense to average assets | 2.8061% | 3,198 |
| Loan and lease loss provision to assets | 0.2861% | 621 |
| Net operating income to assets | 0.7672% | 3,480 |
| Return on assets (ROA) | 0.7720% | 3,536 |
| Pretax return on assets | 1.0558% | 3,242 |
| Return on Equity (ROE) | 7.8418% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.6463% | 1,470 |
| Net charge-offs to loans | 0.1474% | 1,892 |
| Credit loss provision to net charge-offs | 243.5663% | 1,173 |
| Earnings coverage of net charge-offs (x) | 11.3669% | 2,589 |
| Efficiency ratio | 67.1430% | 3,720 |
| Assets per employee ($millions) | 6.0975% | 1,319 |
| Cash dividends to net income (ytd only)* | 15.2449% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,728 |
| Loan loss allowance to noncurrent loans | 91.4738% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 1,849 |
| Noncurrent loans to loans | 1.4602% | 1,600 |
| Net loans and leases to total assets | 77.0809% | 1,245 |
| Net loans and leases to deposits | 89.6837% | 1,653 |
| Net loans and leases to core deposits | 107.2856% | 1,022 |
| Total domestic deposits to total assets | 85.9475% | 2,668 |
| Equity capital to assets | 9.8324% | 4,155 |
| Core capital (leverage) ratio | 9.5457% | 4,107 |
| Tier 1 risk-based capital ratio | 9.9872% | 5,955 |
| Total risk-based capital ratio | 11.1853% | 5,916 |
| Memoranda: | ||
| Average total assets | $3,823,632,400 | 230 |
| Average earning assets | $3,535,274,800 | 229 |
| Average equity | $376,417,600 | 258 |
| Average total loans | $3,048,224,000 | 210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,707 |
| Cost of funding earning assets | 0.4344% | 2,860 |
| Net interest margin | 3.4786% | 3,633 |
| Noninterest income to average assets | 0.9996% | 1,183 |
| Noninterest expense to average assets | 2.8170% | 3,114 |
| Loan and lease loss provision to assets | 0.2141% | 897 |
| Net operating income to assets | 0.8748% | 3,065 |
| Return on assets (ROA) | 0.8813% | 3,117 |
| Pretax return on assets | 1.1939% | 2,846 |
| Return on Equity (ROE) | 8.9489% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.3421% | 1,527 |
| Net charge-offs to loans | 0.0414% | 3,056 |
| Credit loss provision to net charge-offs | 645.5992% | 529 |
| Earnings coverage of net charge-offs (x) | 42.1952% | 1,189 |
| Efficiency ratio | 66.2177% | 3,859 |
| Assets per employee ($millions) | 6.1977% | 1,242 |
| Cash dividends to net income (ytd only)* | 17.9555% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,073 |
| Loan loss allowance to noncurrent loans | 118.0125% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 2,587 |
| Noncurrent loans to loans | 1.1043% | 2,286 |
| Net loans and leases to total assets | 77.8139% | 1,133 |
| Net loans and leases to deposits | 91.0178% | 1,523 |
| Net loans and leases to core deposits | 109.0434% | 928 |
| Total domestic deposits to total assets | 85.4931% | 2,784 |
| Equity capital to assets | 9.9078% | 4,276 |
| Core capital (leverage) ratio | 9.4480% | 4,371 |
| Tier 1 risk-based capital ratio | 9.6696% | 6,108 |
| Total risk-based capital ratio | 10.8278% | 6,105 |
| Memoranda: | ||
| Average total assets | $3,791,752,000 | 236 |
| Average earning assets | $3,506,132,000 | 235 |
| Average equity | $373,398,500 | 263 |
| Average total loans | $3,038,576,000 | 211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 3,604 |
| Cost of funding earning assets | 0.4254% | 2,980 |
| Net interest margin | 3.4983% | 3,505 |
| Noninterest income to average assets | 0.9887% | 1,202 |
| Noninterest expense to average assets | 2.8277% | 3,139 |
| Loan and lease loss provision to assets | 0.2463% | 720 |
| Net operating income to assets | 0.8384% | 3,179 |
| Return on assets (ROA) | 0.8481% | 3,237 |
| Pretax return on assets | 1.1618% | 2,934 |
| Return on Equity (ROE) | 8.6299% | 2,734 |
| Retained earnings to average equity (ytd only) | 6.1944% | 2,120 |
| Net charge-offs to loans | 0.0208% | 3,262 |
| Credit loss provision to net charge-offs | 1,470.1587% | 252 |
| Earnings coverage of net charge-offs (x) | 83.2540% | 685 |
| Efficiency ratio | 66.3866% | 3,947 |
| Assets per employee ($millions) | 6.0108% | 1,340 |
| Cash dividends to net income (ytd only)* | 28.2220% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 3,462 |
| Loan loss allowance to noncurrent loans | 145.5259% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 3,118 |
| Noncurrent loans to loans | 0.8654% | 2,963 |
| Net loans and leases to total assets | 80.4363% | 745 |
| Net loans and leases to deposits | 95.3861% | 1,011 |
| Net loans and leases to core deposits | 114.7181% | 638 |
| Total domestic deposits to total assets | 84.3270% | 3,431 |
| Equity capital to assets | 9.8227% | 4,249 |
| Core capital (leverage) ratio | 9.3668% | 4,469 |
| Tier 1 risk-based capital ratio | 9.6535% | 6,175 |
| Total risk-based capital ratio | 10.8001% | 6,171 |
| Memoranda: | ||
| Average total assets | $3,760,354,330 | 241 |
| Average earning assets | $3,476,094,000 | 238 |
| Average equity | $369,528,000 | 267 |
| Average total loans | $3,030,191,000 | 214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 3,824 |
| Cost of funding earning assets | 0.4229% | 3,032 |
| Net interest margin | 3.4274% | 3,728 |
| Noninterest income to average assets | 0.9781% | 1,168 |
| Noninterest expense to average assets | 2.8365% | 3,115 |
| Loan and lease loss provision to assets | 0.2370% | 722 |
| Net operating income to assets | 0.7956% | 3,284 |
| Return on assets (ROA) | 0.7956% | 3,414 |
| Pretax return on assets | 1.0741% | 3,198 |
| Return on Equity (ROE) | 8.0942% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.7323% | 2,132 |
| Net charge-offs to loans | 0.0047% | 3,157 |
| Credit loss provision to net charge-offs | 6,322.8571% | 59 |
| Earnings coverage of net charge-offs (x) | 349.8000% | 161 |
| Efficiency ratio | 67.8570% | 3,852 |
| Assets per employee ($millions) | 5.6412% | 1,676 |
| Cash dividends to net income (ytd only)* | 16.8260% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,757 |
| Loan loss allowance to noncurrent loans | 206.3518% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 3,915 |
| Noncurrent loans to loans | 0.5992% | 3,778 |
| Net loans and leases to total assets | 79.2177% | 777 |
| Net loans and leases to deposits | 93.2977% | 1,059 |
| Net loans and leases to core deposits | 111.3428% | 691 |
| Total domestic deposits to total assets | 84.9085% | 3,452 |
| Equity capital to assets | 9.8968% | 4,275 |
| Core capital (leverage) ratio | 9.4098% | 4,413 |
| Tier 1 risk-based capital ratio | 9.6446% | 6,249 |
| Total risk-based capital ratio | 10.7574% | 6,249 |
| Memoranda: | ||
| Average total assets | $3,735,117,000 | 240 |
| Average earning assets | $3,454,184,000 | 237 |
| Average equity | $367,128,000 | 268 |
| Average total loans | $2,993,093,500 | 211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,823 |
| Cost of funding earning assets | 0.4464% | 3,205 |
| Net interest margin | 3.5269% | 3,695 |
| Noninterest income to average assets | 0.8921% | 1,528 |
| Noninterest expense to average assets | 2.9926% | 2,863 |
| Loan and lease loss provision to assets | 0.4689% | 347 |
| Net operating income to assets | 0.5479% | 4,606 |
| Return on assets (ROA) | 0.5538% | 4,675 |
| Pretax return on assets | 0.6875% | 4,667 |
| Return on Equity (ROE) | 5.4394% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2314% | 2,447 |
| Net charge-offs to loans | 0.4627% | 907 |
| Credit loss provision to net charge-offs | 127.8614% | 1,870 |
| Earnings coverage of net charge-offs (x) | 3.1334% | 3,968 |
| Efficiency ratio | 71.6587% | 3,264 |
| Assets per employee ($millions) | 6.1274% | 1,296 |
| Cash dividends to net income (ytd only)* | 3.8244% | 4,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 4,169 |
| Loan loss allowance to noncurrent loans | 181.2454% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,882 |
| Noncurrent loans to loans | 0.6455% | 3,750 |
| Net loans and leases to total assets | 79.1206% | 866 |
| Net loans and leases to deposits | 94.9817% | 994 |
| Net loans and leases to core deposits | 112.7906% | 651 |
| Total domestic deposits to total assets | 83.3009% | 3,978 |
| Equity capital to assets | 9.7605% | 4,404 |
| Core capital (leverage) ratio | 9.5650% | 4,152 |
| Tier 1 risk-based capital ratio | 9.8760% | 6,289 |
| Total risk-based capital ratio | 10.9460% | 6,289 |
| Memoranda: | ||
| Average total assets | $3,423,355,000 | 243 |
| Average earning assets | $3,154,218,600 | 238 |
| Average equity | $348,513,800 | 264 |
| Average total loans | $2,713,662,800 | 215 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,984 |
| Cost of funding earning assets | 0.4536% | 3,201 |
| Net interest margin | 3.4932% | 3,861 |
| Noninterest income to average assets | 0.9853% | 1,269 |
| Noninterest expense to average assets | 2.8803% | 3,192 |
| Loan and lease loss provision to assets | 0.2689% | 786 |
| Net operating income to assets | 0.7800% | 3,512 |
| Return on assets (ROA) | 0.7816% | 3,615 |
| Pretax return on assets | 1.0505% | 3,376 |
| Return on Equity (ROE) | 7.5909% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.3108% | 1,666 |
| Net charge-offs to loans | 0.1789% | 2,019 |
| Credit loss provision to net charge-offs | 190.1519% | 1,326 |
| Earnings coverage of net charge-offs (x) | 9.3143% | 2,689 |
| Efficiency ratio | 68.0153% | 3,852 |
| Assets per employee ($millions) | 9.1370% | 321 |
| Cash dividends to net income (ytd only)* | 3.6907% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,253 |
| Loan loss allowance to noncurrent loans | 197.5314% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 4,006 |
| Noncurrent loans to loans | 0.6052% | 4,115 |
| Net loans and leases to total assets | 79.5752% | 761 |
| Net loans and leases to deposits | 96.3142% | 856 |
| Net loans and leases to core deposits | 115.6013% | 527 |
| Total domestic deposits to total assets | 82.6204% | 4,261 |
| Equity capital to assets | 9.9531% | 4,222 |
| Core capital (leverage) ratio | 9.7333% | 4,022 |
| Tier 1 risk-based capital ratio | 9.8512% | 6,374 |
| Total risk-based capital ratio | 10.9246% | 6,378 |
| Memoranda: | ||
| Average total assets | $3,350,894,500 | 247 |
| Average earning assets | $3,081,341,000 | 240 |
| Average equity | $345,035,250 | 261 |
| Average total loans | $2,648,907,250 | 216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 4,062 |
| Cost of funding earning assets | 0.4606% | 3,205 |
| Net interest margin | 3.4574% | 3,954 |
| Noninterest income to average assets | 0.9122% | 1,458 |
| Noninterest expense to average assets | 2.8421% | 3,363 |
| Loan and lease loss provision to assets | 0.2322% | 984 |
| Net operating income to assets | 0.7760% | 3,448 |
| Return on assets (ROA) | 0.7822% | 3,512 |
| Pretax return on assets | 1.0204% | 3,393 |
| Return on Equity (ROE) | 7.5055% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.5055% | 1,516 |
| Net charge-offs to loans | 0.0543% | 3,184 |
| Credit loss provision to net charge-offs | 544.5559% | 552 |
| Earnings coverage of net charge-offs (x) | 29.1862% | 1,276 |
| Efficiency ratio | 69.0564% | 3,828 |
| Assets per employee ($millions) | 8.8668% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,052 |
| Loan loss allowance to noncurrent loans | 174.9568% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 3,965 |
| Noncurrent loans to loans | 0.7231% | 3,892 |
| Net loans and leases to total assets | 78.4151% | 857 |
| Net loans and leases to deposits | 95.3084% | 857 |
| Net loans and leases to core deposits | 111.6510% | 620 |
| Total domestic deposits to total assets | 82.2751% | 4,556 |
| Equity capital to assets | 10.2232% | 3,801 |
| Core capital (leverage) ratio | 9.9985% | 3,610 |
| Tier 1 risk-based capital ratio | 10.2803% | 6,313 |
| Total risk-based capital ratio | 11.4364% | 6,299 |
| Memoranda: | ||
| Average total assets | $3,273,958,330 | 248 |
| Average earning assets | $3,005,943,000 | 242 |
| Average equity | $341,216,670 | 259 |
| Average total loans | $2,570,331,670 | 219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 4,367 |
| Cost of funding earning assets | 0.4767% | 3,157 |
| Net interest margin | 3.3522% | 4,328 |
| Noninterest income to average assets | 0.8125% | 1,707 |
| Noninterest expense to average assets | 2.8021% | 3,558 |
| Loan and lease loss provision to assets | 0.2377% | 929 |
| Net operating income to assets | 0.6679% | 3,853 |
| Return on assets (ROA) | 0.6790% | 3,872 |
| Pretax return on assets | 0.8702% | 3,826 |
| Return on Equity (ROE) | 6.4487% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.4487% | 2,318 |
| Net charge-offs to loans | -0.0213% | 5,385 |
| Credit loss provision to net charge-offs | -1,429.3233% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3988% | 3,592 |
| Assets per employee ($millions) | 8.0001% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,059 |
| Loan loss allowance to noncurrent loans | 158.1628% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 3,850 |
| Noncurrent loans to loans | 0.8298% | 3,810 |
| Net loans and leases to total assets | 78.2837% | 736 |
| Net loans and leases to deposits | 92.4290% | 920 |
| Net loans and leases to core deposits | 104.9437% | 799 |
| Total domestic deposits to total assets | 84.6960% | 4,006 |
| Equity capital to assets | 10.6403% | 3,098 |
| Core capital (leverage) ratio | 10.1564% | 3,343 |
| Tier 1 risk-based capital ratio | 10.7466% | 6,261 |
| Total risk-based capital ratio | 11.9406% | 6,239 |
| Memoranda: | ||
| Average total assets | $3,199,646,500 | 250 |
| Average earning assets | $2,942,998,000 | 245 |
| Average equity | $336,876,500 | 258 |
| Average total loans | $2,496,394,000 | 224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 4,684 |
| Cost of funding earning assets | 0.6034% | 2,630 |
| Net interest margin | 3.2285% | 4,899 |
| Noninterest income to average assets | 0.8571% | 1,838 |
| Noninterest expense to average assets | 2.6654% | 4,226 |
| Loan and lease loss provision to assets | 0.2455% | 1,471 |
| Net operating income to assets | 0.7046% | 3,780 |
| Return on assets (ROA) | 0.7174% | 3,794 |
| Pretax return on assets | 0.9508% | 3,554 |
| Return on Equity (ROE) | 6.7210% | 3,712 |
| Retained earnings to average equity (ytd only) | 2.8839% | 4,194 |
| Net charge-offs to loans | 0.2047% | 2,835 |
| Credit loss provision to net charge-offs | 158.1938% | 1,448 |
| Earnings coverage of net charge-offs (x) | 7.5993% | 2,807 |
| Efficiency ratio | 68.7811% | 4,054 |
| Assets per employee ($millions) | 7.7464% | 530 |
| Cash dividends to net income (ytd only)* | 57.0918% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,273 |
| Loan loss allowance to noncurrent loans | 141.9052% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 3,961 |
| Noncurrent loans to loans | 0.8982% | 3,742 |
| Net loans and leases to total assets | 75.7389% | 1,113 |
| Net loans and leases to deposits | 89.0623% | 1,336 |
| Net loans and leases to core deposits | 101.5245% | 1,057 |
| Total domestic deposits to total assets | 85.0403% | 3,722 |
| Equity capital to assets | 10.4168% | 3,270 |
| Core capital (leverage) ratio | 10.1915% | 3,303 |
| Tier 1 risk-based capital ratio | 10.6012% | 6,335 |
| Total risk-based capital ratio | 11.7385% | 6,328 |
| Memoranda: | ||
| Average total assets | $3,118,408,000 | 246 |
| Average earning assets | $2,885,728,600 | 237 |
| Average equity | $332,850,600 | 251 |
| Average total loans | $2,363,522,000 | 220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 4,612 |
| Cost of funding earning assets | 0.6292% | 2,557 |
| Net interest margin | 3.2392% | 4,862 |
| Noninterest income to average assets | 0.9011% | 1,753 |
| Noninterest expense to average assets | 2.5631% | 4,506 |
| Loan and lease loss provision to assets | 0.2750% | 1,271 |
| Net operating income to assets | 0.7832% | 3,436 |
| Return on assets (ROA) | 0.7924% | 3,520 |
| Pretax return on assets | 1.0758% | 3,203 |
| Return on Equity (ROE) | 7.3784% | 3,449 |
| Retained earnings to average equity (ytd only) | 2.7415% | 4,678 |
| Net charge-offs to loans | 0.1781% | 2,800 |
| Credit loss provision to net charge-offs | 204.3812% | 1,184 |
| Earnings coverage of net charge-offs (x) | 9.9456% | 2,418 |
| Efficiency ratio | 65.1526% | 4,624 |
| Assets per employee ($millions) | 8.4606% | 389 |
| Cash dividends to net income (ytd only)* | 62.8435% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,958 |
| Loan loss allowance to noncurrent loans | 165.0335% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 4,347 |
| Noncurrent loans to loans | 0.8397% | 4,155 |
| Net loans and leases to total assets | 71.3625% | 1,714 |
| Net loans and leases to deposits | 84.6246% | 1,788 |
| Net loans and leases to core deposits | 96.5140% | 1,350 |
| Total domestic deposits to total assets | 84.3284% | 4,056 |
| Equity capital to assets | 10.4808% | 3,301 |
| Core capital (leverage) ratio | 10.0014% | 3,680 |
| Tier 1 risk-based capital ratio | 11.6313% | 5,995 |
| Total risk-based capital ratio | 12.8815% | 5,955 |
| Memoranda: | ||
| Average total assets | $3,098,195,000 | 242 |
| Average earning assets | $2,869,751,500 | 235 |
| Average equity | $332,748,250 | 252 |
| Average total loans | $2,340,811,000 | 218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 4,453 |
| Cost of funding earning assets | 0.6583% | 2,421 |
| Net interest margin | 3.2479% | 4,778 |
| Noninterest income to average assets | 0.8525% | 1,992 |
| Noninterest expense to average assets | 2.5230% | 4,652 |
| Loan and lease loss provision to assets | 0.2922% | 1,240 |
| Net operating income to assets | 0.7814% | 3,396 |
| Return on assets (ROA) | 0.7970% | 3,467 |
| Pretax return on assets | 1.0690% | 3,227 |
| Return on Equity (ROE) | 7.3596% | 3,413 |
| Retained earnings to average equity (ytd only) | 0.4881% | 5,703 |
| Net charge-offs to loans | 0.0741% | 3,652 |
| Credit loss provision to net charge-offs | 514.3021% | 537 |
| Earnings coverage of net charge-offs (x) | 23.5892% | 1,326 |
| Efficiency ratio | 64.7527% | 4,746 |
| Assets per employee ($millions) | 8.8649% | 326 |
| Cash dividends to net income (ytd only)* | 93.3676% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,146 |
| Loan loss allowance to noncurrent loans | 164.1498% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 4,183 |
| Noncurrent loans to loans | 0.8377% | 4,242 |
| Net loans and leases to total assets | 73.3355% | 1,351 |
| Net loans and leases to deposits | 86.2740% | 1,549 |
| Net loans and leases to core deposits | 98.1728% | 1,198 |
| Total domestic deposits to total assets | 85.0031% | 3,888 |
| Equity capital to assets | 10.4076% | 3,418 |
| Core capital (leverage) ratio | 10.0092% | 3,501 |
| Tier 1 risk-based capital ratio | 11.5015% | 6,111 |
| Total risk-based capital ratio | 12.6226% | 6,132 |
| Memoranda: | ||
| Average total assets | $3,076,173,000 | 242 |
| Average earning assets | $2,851,779,670 | 233 |
| Average equity | $333,117,670 | 253 |
| Average total loans | $2,357,805,330 | 213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 4,412 |
| Cost of funding earning assets | 0.6777% | 2,409 |
| Net interest margin | 3.2399% | 4,761 |
| Noninterest income to average assets | 0.8386% | 1,968 |
| Noninterest expense to average assets | 2.4435% | 4,970 |
| Loan and lease loss provision to assets | 0.3497% | 935 |
| Net operating income to assets | 0.7529% | 3,424 |
| Return on assets (ROA) | 0.7701% | 3,470 |
| Pretax return on assets | 1.0741% | 3,050 |
| Return on Equity (ROE) | 6.9721% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.0980% | 2,625 |
| Net charge-offs to loans | 0.0874% | 2,968 |
| Credit loss provision to net charge-offs | 513.8996% | 516 |
| Earnings coverage of net charge-offs (x) | 20.5734% | 1,182 |
| Efficiency ratio | 63.0165% | 5,152 |
| Assets per employee ($millions) | 9.2159% | 295 |
| Cash dividends to net income (ytd only)* | 12.5362% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,646 |
| Loan loss allowance to noncurrent loans | 204.3594% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 4,433 |
| Noncurrent loans to loans | 0.6414% | 4,841 |
| Net loans and leases to total assets | 76.4759% | 782 |
| Net loans and leases to deposits | 90.8635% | 897 |
| Net loans and leases to core deposits | 103.9080% | 721 |
| Total domestic deposits to total assets | 84.1656% | 4,408 |
| Equity capital to assets | 11.2337% | 2,699 |
| Core capital (leverage) ratio | 10.3840% | 2,924 |
| Tier 1 risk-based capital ratio | 11.8736% | 5,987 |
| Total risk-based capital ratio | 13.0396% | 6,013 |
| Memoranda: | ||
| Average total assets | $3,045,165,000 | 248 |
| Average earning assets | $2,824,162,000 | 241 |
| Average equity | $336,371,000 | 254 |
| Average total loans | $2,369,960,500 | 214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 3,881 |
| Cost of funding earning assets | 0.7804% | 2,828 |
| Net interest margin | 3.6021% | 4,074 |
| Noninterest income to average assets | 0.8306% | 2,127 |
| Noninterest expense to average assets | 2.5060% | 5,071 |
| Loan and lease loss provision to assets | 0.2344% | 2,793 |
| Net operating income to assets | 0.9902% | 2,380 |
| Return on assets (ROA) | 0.9608% | 2,739 |
| Pretax return on assets | 1.3705% | 2,142 |
| Return on Equity (ROE) | 9.8184% | 2,246 |
| Retained earnings to average equity (ytd only) | 7.1560% | 1,496 |
| Net charge-offs to loans | 0.1302% | 4,374 |
| Credit loss provision to net charge-offs | 228.1595% | 1,083 |
| Earnings coverage of net charge-offs (x) | 16.0288% | 1,610 |
| Efficiency ratio | 59.3533% | 5,639 |
| Assets per employee ($millions) | 9.3235% | 296 |
| Cash dividends to net income (ytd only)* | 27.1166% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 5,191 |
| Loan loss allowance to noncurrent loans | 164.3401% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 4,591 |
| Noncurrent loans to loans | 0.7204% | 4,739 |
| Net loans and leases to total assets | 77.2302% | 769 |
| Net loans and leases to deposits | 91.3612% | 960 |
| Net loans and leases to core deposits | 99.1531% | 1,073 |
| Total domestic deposits to total assets | 84.5328% | 4,075 |
| Equity capital to assets | 10.8623% | 3,110 |
| Core capital (leverage) ratio | 10.5291% | 2,727 |
| Tier 1 risk-based capital ratio | 11.4825% | 6,119 |
| Total risk-based capital ratio | 12.5582% | 6,177 |
| Memoranda: | ||
| Average total assets | $2,733,910,800 | 268 |
| Average earning assets | $2,521,496,800 | 256 |
| Average equity | $267,537,600 | 299 |
| Average total loans | $2,157,291,400 | 226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 3,936 |
| Cost of funding earning assets | 0.8002% | 2,934 |
| Net interest margin | 3.6267% | 4,120 |
| Noninterest income to average assets | 0.7410% | 2,526 |
| Noninterest expense to average assets | 2.4625% | 5,208 |
| Loan and lease loss provision to assets | 0.2420% | 2,631 |
| Net operating income to assets | 0.9714% | 2,651 |
| Return on assets (ROA) | 0.9415% | 3,011 |
| Pretax return on assets | 1.3365% | 2,471 |
| Return on Equity (ROE) | 9.9390% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.4535% | 1,424 |
| Net charge-offs to loans | 0.1355% | 4,035 |
| Credit loss provision to net charge-offs | 225.6808% | 1,223 |
| Earnings coverage of net charge-offs (x) | 15.1174% | 1,787 |
| Efficiency ratio | 59.2435% | 5,622 |
| Assets per employee ($millions) | 8.9588% | 336 |
| Cash dividends to net income (ytd only)* | 14.9457% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,201 |
| Loan loss allowance to noncurrent loans | 134.8279% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 4,493 |
| Noncurrent loans to loans | 0.9039% | 4,621 |
| Net loans and leases to total assets | 78.1160% | 718 |
| Net loans and leases to deposits | 94.2780% | 769 |
| Net loans and leases to core deposits | 102.8086% | 941 |
| Total domestic deposits to total assets | 82.8571% | 4,698 |
| Equity capital to assets | 9.5687% | 5,111 |
| Core capital (leverage) ratio | 8.8409% | 5,282 |
| Tier 1 risk-based capital ratio | 9.8343% | 6,836 |
| Total risk-based capital ratio | 10.9300% | 6,861 |
| Memoranda: | ||
| Average total assets | $2,648,203,750 | 274 |
| Average earning assets | $2,440,856,000 | 267 |
| Average equity | $250,871,000 | 313 |
| Average total loans | $2,095,454,250 | 233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 3,759 |
| Cost of funding earning assets | 0.8143% | 3,084 |
| Net interest margin | 3.6875% | 3,883 |
| Noninterest income to average assets | 0.7104% | 2,610 |
| Noninterest expense to average assets | 2.4462% | 5,307 |
| Loan and lease loss provision to assets | 0.2525% | 2,558 |
| Net operating income to assets | 0.9863% | 2,525 |
| Return on assets (ROA) | 0.9565% | 2,881 |
| Pretax return on assets | 1.3605% | 2,348 |
| Return on Equity (ROE) | 10.1347% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.2855% | 1,531 |
| Net charge-offs to loans | 0.0401% | 4,819 |
| Credit loss provision to net charge-offs | 795.8435% | 398 |
| Earnings coverage of net charge-offs (x) | 52.1809% | 702 |
| Efficiency ratio | 58.5574% | 5,796 |
| Assets per employee ($millions) | 8.6321% | 366 |
| Cash dividends to net income (ytd only)* | 18.2467% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,973 |
| Loan loss allowance to noncurrent loans | 114.8684% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 4,321 |
| Noncurrent loans to loans | 1.1159% | 4,286 |
| Net loans and leases to total assets | 79.4967% | 565 |
| Net loans and leases to deposits | 97.8965% | 535 |
| Net loans and leases to core deposits | 106.7517% | 711 |
| Total domestic deposits to total assets | 81.2049% | 5,393 |
| Equity capital to assets | 9.9234% | 4,455 |
| Core capital (leverage) ratio | 9.2102% | 4,595 |
| Tier 1 risk-based capital ratio | 9.8563% | 6,859 |
| Total risk-based capital ratio | 10.9926% | 6,876 |
| Memoranda: | ||
| Average total assets | $2,578,316,670 | 283 |
| Average earning assets | $2,371,257,000 | 275 |
| Average equity | $243,341,330 | 322 |
| Average total loans | $2,040,608,000 | 242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 3,737 |
| Cost of funding earning assets | 0.8073% | 3,416 |
| Net interest margin | 3.7380% | 3,649 |
| Noninterest income to average assets | 0.8373% | 2,002 |
| Noninterest expense to average assets | 2.4965% | 5,163 |
| Loan and lease loss provision to assets | 0.2577% | 2,393 |
| Net operating income to assets | 1.0276% | 2,372 |
| Return on assets (ROA) | 0.9978% | 2,677 |
| Pretax return on assets | 1.4675% | 1,972 |
| Return on Equity (ROE) | 10.8692% | 2,075 |
| Retained earnings to average equity (ytd only) | 7.8495% | 2,037 |
| Net charge-offs to loans | 0.0461% | 4,057 |
| Credit loss provision to net charge-offs | 713.5965% | 493 |
| Earnings coverage of net charge-offs (x) | 48.9825% | 642 |
| Efficiency ratio | 57.4643% | 5,979 |
| Assets per employee ($millions) | 9.6980% | 260 |
| Cash dividends to net income (ytd only)* | 27.7822% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 5,065 |
| Loan loss allowance to noncurrent loans | 129.4657% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 4,506 |
| Noncurrent loans to loans | 0.9960% | 4,683 |
| Net loans and leases to total assets | 77.9436% | 596 |
| Net loans and leases to deposits | 95.6015% | 563 |
| Net loans and leases to core deposits | 103.5760% | 788 |
| Total domestic deposits to total assets | 81.5297% | 5,456 |
| Equity capital to assets | 9.0957% | 5,364 |
| Core capital (leverage) ratio | 8.3559% | 5,803 |
| Tier 1 risk-based capital ratio | 8.9984% | 7,026 |
| Total risk-based capital ratio | 10.1210% | 7,046 |
| Memoranda: | ||
| Average total assets | $2,525,178,500 | 283 |
| Average earning assets | $2,315,860,500 | 278 |
| Average equity | $231,811,000 | 323 |
| Average total loans | $1,979,974,500 | 244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 3,248 |
| Cost of funding earning assets | 0.9599% | 3,648 |
| Net interest margin | 3.9634% | 3,049 |
| Noninterest income to average assets | 0.7224% | 2,484 |
| Noninterest expense to average assets | 2.7071% | 4,713 |
| Loan and lease loss provision to assets | 0.4834% | 2,187 |
| Net operating income to assets | 0.8760% | 2,712 |
| Return on assets (ROA) | 0.8648% | 2,898 |
| Pretax return on assets | 1.1656% | 2,592 |
| Return on Equity (ROE) | 9.4526% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.1222% | 1,948 |
| Net charge-offs to loans | 0.1725% | 4,766 |
| Credit loss provision to net charge-offs | 364.0614% | 638 |
| Earnings coverage of net charge-offs (x) | 12.5343% | 1,614 |
| Efficiency ratio | 60.6968% | 5,648 |
| Assets per employee ($millions) | 8.2357% | 436 |
| Cash dividends to net income (ytd only)* | 35.2329% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 4,934 |
| Loan loss allowance to noncurrent loans | 146.1105% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,803 |
| Noncurrent loans to loans | 0.8851% | 4,920 |
| Net loans and leases to total assets | 76.8259% | 846 |
| Net loans and leases to deposits | 99.4611% | 484 |
| Net loans and leases to core deposits | 106.7074% | 767 |
| Total domestic deposits to total assets | 77.2421% | 6,309 |
| Equity capital to assets | 9.2680% | 5,188 |
| Core capital (leverage) ratio | 8.8492% | 5,021 |
| Tier 1 risk-based capital ratio | 9.3668% | 6,985 |
| Total risk-based capital ratio | 10.4982% | 6,996 |
| Memoranda: | ||
| Average total assets | $2,110,428,600 | 324 |
| Average earning assets | $1,942,906,600 | 316 |
| Average equity | $193,068,400 | 366 |
| Average total loans | $1,624,622,000 | 279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 2,433 |
| Cost of funding earning assets | 1.0109% | 3,605 |
| Net interest margin | 4.1277% | 2,363 |
| Noninterest income to average assets | 0.6912% | 2,658 |
| Noninterest expense to average assets | 2.7745% | 4,449 |
| Loan and lease loss provision to assets | 0.4709% | 2,105 |
| Net operating income to assets | 0.9228% | 2,661 |
| Return on assets (ROA) | 0.8970% | 2,899 |
| Pretax return on assets | 1.2137% | 2,584 |
| Return on Equity (ROE) | 9.8442% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.7152% | 2,734 |
| Net charge-offs to loans | 0.2149% | 4,095 |
| Credit loss provision to net charge-offs | 285.6285% | 1,000 |
| Earnings coverage of net charge-offs (x) | 10.4300% | 1,918 |
| Efficiency ratio | 60.4896% | 5,638 |
| Assets per employee ($millions) | 7.8426% | 501 |
| Cash dividends to net income (ytd only)* | 41.9438% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 5,126 |
| Loan loss allowance to noncurrent loans | 125.3033% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 4,713 |
| Noncurrent loans to loans | 1.0169% | 4,859 |
| Net loans and leases to total assets | 78.0014% | 707 |
| Net loans and leases to deposits | 96.7100% | 662 |
| Net loans and leases to core deposits | 103.8156% | 991 |
| Total domestic deposits to total assets | 80.6549% | 5,546 |
| Equity capital to assets | 10.1498% | 4,154 |
| Core capital (leverage) ratio | 9.4291% | 4,255 |
| Tier 1 risk-based capital ratio | 9.9580% | 6,966 |
| Total risk-based capital ratio | 11.0410% | 7,001 |
| Memoranda: | ||
| Average total assets | $2,020,360,500 | 345 |
| Average earning assets | $1,861,267,500 | 334 |
| Average equity | $184,089,500 | 387 |
| Average total loans | $1,550,026,000 | 294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 2,359 |
| Cost of funding earning assets | 1.0466% | 3,630 |
| Net interest margin | 4.1289% | 2,307 |
| Noninterest income to average assets | 0.6188% | 3,011 |
| Noninterest expense to average assets | 2.8286% | 4,317 |
| Loan and lease loss provision to assets | 0.3481% | 2,696 |
| Net operating income to assets | 0.9282% | 2,524 |
| Return on assets (ROA) | 0.9022% | 2,737 |
| Pretax return on assets | 1.2153% | 2,419 |
| Return on Equity (ROE) | 10.3413% | 2,000 |
| Retained earnings to average equity (ytd only) | 5.4569% | 2,711 |
| Net charge-offs to loans | 0.1006% | 4,673 |
| Credit loss provision to net charge-offs | 455.9413% | 671 |
| Earnings coverage of net charge-offs (x) | 20.9346% | 1,172 |
| Efficiency ratio | 62.5915% | 5,481 |
| Assets per employee ($millions) | 8.1260% | 434 |
| Cash dividends to net income (ytd only)* | 47.2316% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,303 |
| Loan loss allowance to noncurrent loans | 122.7356% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 4,767 |
| Noncurrent loans to loans | 1.0189% | 4,955 |
| Net loans and leases to total assets | 77.3417% | 865 |
| Net loans and leases to deposits | 93.6783% | 895 |
| Net loans and leases to core deposits | 98.3790% | 1,478 |
| Total domestic deposits to total assets | 82.5610% | 4,962 |
| Equity capital to assets | 8.9766% | 5,614 |
| Core capital (leverage) ratio | 8.3648% | 5,760 |
| Tier 1 risk-based capital ratio | 9.0267% | 7,174 |
| Total risk-based capital ratio | 10.1637% | 7,184 |
| Memoranda: | ||
| Average total assets | $1,961,840,000 | 359 |
| Average earning assets | $1,809,495,670 | 351 |
| Average equity | $171,158,670 | 424 |
| Average total loans | $1,488,383,000 | 310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 2,353 |
| Cost of funding earning assets | 1.0624% | 3,771 |
| Net interest margin | 4.1078% | 2,240 |
| Noninterest income to average assets | 0.5544% | 3,475 |
| Noninterest expense to average assets | 2.9599% | 3,817 |
| Loan and lease loss provision to assets | 0.3683% | 2,354 |
| Net operating income to assets | 0.8203% | 2,926 |
| Return on assets (ROA) | 0.7919% | 3,142 |
| Pretax return on assets | 0.9845% | 3,181 |
| Return on Equity (ROE) | 9.2202% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.7394% | 2,267 |
| Net charge-offs to loans | 0.0715% | 4,219 |
| Credit loss provision to net charge-offs | 691.3725% | 548 |
| Earnings coverage of net charge-offs (x) | 26.0627% | 936 |
| Efficiency ratio | 66.7307% | 4,906 |
| Assets per employee ($millions) | 8.3612% | 419 |
| Cash dividends to net income (ytd only)* | 26.9058% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 5,008 |
| Loan loss allowance to noncurrent loans | 144.1440% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 4,942 |
| Noncurrent loans to loans | 0.9196% | 5,197 |
| Net loans and leases to total assets | 72.5171% | 1,610 |
| Net loans and leases to deposits | 86.4257% | 1,662 |
| Net loans and leases to core deposits | 91.1379% | 2,222 |
| Total domestic deposits to total assets | 83.9069% | 4,524 |
| Equity capital to assets | 8.7506% | 5,574 |
| Core capital (leverage) ratio | 8.1848% | 5,990 |
| Tier 1 risk-based capital ratio | 9.4564% | 7,152 |
| Total risk-based capital ratio | 10.6695% | 7,165 |
| Memoranda: | ||
| Average total assets | $1,914,822,500 | 367 |
| Average earning assets | $1,768,428,500 | 356 |
| Average equity | $164,464,500 | 434 |
| Average total loans | $1,427,482,500 | 321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 3,370 |
| Cost of funding earning assets | 1.2829% | 3,997 |
| Net interest margin | 3.9651% | 3,178 |
| Noninterest income to average assets | 0.7555% | 2,515 |
| Noninterest expense to average assets | 3.2456% | 2,933 |
| Loan and lease loss provision to assets | 0.5567% | 2,904 |
| Net operating income to assets | 0.5400% | 3,926 |
| Return on assets (ROA) | 0.6830% | 3,422 |
| Pretax return on assets | 0.7320% | 3,862 |
| Return on Equity (ROE) | 7.7170% | 2,812 |
| Retained earnings to average equity (ytd only) | 4.0124% | 3,055 |
| Net charge-offs to loans | 0.1811% | 5,232 |
| Credit loss provision to net charge-offs | 438.1429% | 529 |
| Earnings coverage of net charge-offs (x) | 8.9317% | 1,899 |
| Efficiency ratio | 72.5923% | 3,681 |
| Assets per employee ($millions) | 8.2521% | 439 |
| Cash dividends to net income (ytd only)* | 48.0061% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 5,379 |
| Loan loss allowance to noncurrent loans | 113.5743% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 5,007 |
| Noncurrent loans to loans | 1.0808% | 4,930 |
| Net loans and leases to total assets | 74.7159% | 1,540 |
| Net loans and leases to deposits | 89.0044% | 1,646 |
| Net loans and leases to core deposits | 94.2573% | 2,227 |
| Total domestic deposits to total assets | 83.9463% | 4,385 |
| Equity capital to assets | 8.4218% | 5,963 |
| Core capital (leverage) ratio | 8.0209% | 6,172 |
| Tier 1 risk-based capital ratio | 8.9267% | 7,259 |
| Total risk-based capital ratio | 10.0588% | 7,286 |
| Memoranda: | ||
| Average total assets | $1,729,193,400 | 393 |
| Average earning assets | $1,580,830,800 | 386 |
| Average equity | $153,051,800 | 447 |
| Average total loans | $1,213,245,000 | 371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 3,606 |
| Cost of funding earning assets | 1.3062% | 4,174 |
| Net interest margin | 3.9386% | 3,365 |
| Noninterest income to average assets | 0.7417% | 2,568 |
| Noninterest expense to average assets | 3.2804% | 2,628 |
| Loan and lease loss provision to assets | 0.6553% | 2,330 |
| Net operating income to assets | 0.3617% | 4,924 |
| Return on assets (ROA) | 0.6489% | 3,817 |
| Pretax return on assets | 0.7087% | 4,202 |
| Return on Equity (ROE) | 7.2333% | 3,237 |
| Retained earnings to average equity (ytd only) | 2.8599% | 4,417 |
| Net charge-offs to loans | 0.2105% | 4,679 |
| Credit loss provision to net charge-offs | 453.4643% | 661 |
| Earnings coverage of net charge-offs (x) | 7.2788% | 2,361 |
| Efficiency ratio | 74.1747% | 3,296 |
| Assets per employee ($millions) | 4.3676% | 3,131 |
| Cash dividends to net income (ytd only)* | 60.4617% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,965 |
| Loan loss allowance to noncurrent loans | 79.8608% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 4,427 |
| Noncurrent loans to loans | 1.6272% | 4,209 |
| Net loans and leases to total assets | 70.9341% | 2,505 |
| Net loans and leases to deposits | 85.6146% | 2,424 |
| Net loans and leases to core deposits | 90.9178% | 2,970 |
| Total domestic deposits to total assets | 82.8527% | 4,652 |
| Equity capital to assets | 8.7806% | 5,890 |
| Core capital (leverage) ratio | 7.7836% | 6,587 |
| Tier 1 risk-based capital ratio | 9.3681% | 7,285 |
| Total risk-based capital ratio | 10.5637% | 7,304 |
| Memoranda: | ||
| Average total assets | $1,691,121,250 | 400 |
| Average earning assets | $1,541,680,000 | 398 |
| Average equity | $151,701,250 | 448 |
| Average total loans | $1,160,747,250 | 390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 2,777 |
| Cost of funding earning assets | 1.2964% | 4,560 |
| Net interest margin | 4.1475% | 2,344 |
| Noninterest income to average assets | 0.8379% | 1,928 |
| Noninterest expense to average assets | 3.2484% | 2,732 |
| Loan and lease loss provision to assets | 0.7556% | 1,909 |
| Net operating income to assets | 0.4028% | 4,744 |
| Return on assets (ROA) | 0.7900% | 3,161 |
| Pretax return on assets | 1.1210% | 2,706 |
| Return on Equity (ROE) | 8.6350% | 2,606 |
| Retained earnings to average equity (ytd only) | 2.3823% | 4,644 |
| Net charge-offs to loans | 0.0698% | 5,442 |
| Credit loss provision to net charge-offs | 1,545.1705% | 258 |
| Earnings coverage of net charge-offs (x) | 27.0653% | 985 |
| Efficiency ratio | 69.3476% | 4,308 |
| Assets per employee ($millions) | 7.2429% | 686 |
| Cash dividends to net income (ytd only)* | 72.4108% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,443 |
| Loan loss allowance to noncurrent loans | 67.0061% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.6503% | 3,955 |
| Noncurrent loans to loans | 2.0848% | 3,612 |
| Net loans and leases to total assets | 67.5293% | 3,488 |
| Net loans and leases to deposits | 88.7451% | 2,045 |
| Net loans and leases to core deposits | 95.1895% | 2,559 |
| Total domestic deposits to total assets | 76.0936% | 6,672 |
| Equity capital to assets | 8.8129% | 5,729 |
| Core capital (leverage) ratio | 8.3582% | 5,652 |
| Tier 1 risk-based capital ratio | 9.5282% | 7,247 |
| Total risk-based capital ratio | 10.7645% | 7,261 |
| Memoranda: | ||
| Average total assets | $1,439,735,330 | 465 |
| Average earning assets | $1,296,162,000 | 463 |
| Average equity | $131,720,000 | 506 |
| Average total loans | $1,009,141,670 | 448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 2,533 |
| Cost of funding earning assets | 1.3184% | 4,703 |
| Net interest margin | 4.1928% | 2,067 |
| Noninterest income to average assets | 0.8358% | 1,859 |
| Noninterest expense to average assets | 3.2131% | 2,809 |
| Loan and lease loss provision to assets | 0.1739% | 4,783 |
| Net operating income to assets | 0.8690% | 2,675 |
| Return on assets (ROA) | 0.8690% | 2,760 |
| Pretax return on assets | 1.2380% | 2,243 |
| Return on Equity (ROE) | 9.3160% | 2,372 |
| Retained earnings to average equity (ytd only) | -0.5961% | 5,970 |
| Net charge-offs to loans | 0.0736% | 4,680 |
| Credit loss provision to net charge-offs | 333.1522% | 1,200 |
| Earnings coverage of net charge-offs (x) | 27.0489% | 943 |
| Efficiency ratio | 67.8035% | 4,758 |
| Assets per employee ($millions) | 7.3076% | 715 |
| Cash dividends to net income (ytd only)* | 106.3990% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 6,557 |
| Loan loss allowance to noncurrent loans | 44.7246% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 4,025 |
| Noncurrent loans to loans | 2.1904% | 3,538 |
| Net loans and leases to total assets | 68.0075% | 3,390 |
| Net loans and leases to deposits | 87.4492% | 2,324 |
| Net loans and leases to core deposits | 93.9931% | 2,841 |
| Total domestic deposits to total assets | 77.7680% | 6,374 |
| Equity capital to assets | 9.1927% | 4,996 |
| Core capital (leverage) ratio | 8.3441% | 5,656 |
| Tier 1 risk-based capital ratio | 9.9077% | 7,091 |
| Total risk-based capital ratio | 10.7958% | 7,276 |
| Memoranda: | ||
| Average total assets | $1,409,966,000 | 485 |
| Average earning assets | $1,274,285,000 | 483 |
| Average equity | $131,515,000 | 518 |
| Average total loans | $1,000,316,000 | 473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 3,380 |
| Cost of funding earning assets | 1.6649% | 4,701 |
| Net interest margin | 3.9783% | 2,951 |
| Noninterest income to average assets | 0.9380% | 1,796 |
| Noninterest expense to average assets | 3.2898% | 3,041 |
| Loan and lease loss provision to assets | 0.3297% | 4,838 |
| Net operating income to assets | 0.6582% | 3,108 |
| Return on assets (ROA) | 0.7859% | 2,672 |
| Pretax return on assets | 1.1521% | 2,090 |
| Return on Equity (ROE) | 8.6893% | 2,126 |
| Retained earnings to average equity (ytd only) | 0.5210% | 4,618 |
| Net charge-offs to loans | 0.1959% | 5,419 |
| Credit loss provision to net charge-offs | 241.5679% | 1,472 |
| Earnings coverage of net charge-offs (x) | 9.4802% | 1,795 |
| Efficiency ratio | 70.8123% | 4,473 |
| Assets per employee ($millions) | 7.5027% | 647 |
| Cash dividends to net income (ytd only)* | 94.0046% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 6,074 |
| Loan loss allowance to noncurrent loans | 147.2638% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 5,988 |
| Noncurrent loans to loans | 0.7220% | 5,810 |
| Net loans and leases to total assets | 72.6638% | 2,590 |
| Net loans and leases to deposits | 95.2848% | 1,415 |
| Net loans and leases to core deposits | 117.7693% | 2,154 |
| Total domestic deposits to total assets | 76.2595% | 6,629 |
| Equity capital to assets | 8.9706% | 5,190 |
| Core capital (leverage) ratio | 8.6396% | 5,032 |
| Tier 1 risk-based capital ratio | 9.9776% | 6,891 |
| Total risk-based capital ratio | 10.9631% | 7,065 |
| Memoranda: | ||
| Average total assets | $1,112,101,200 | 599 |
| Average earning assets | $1,019,186,400 | 596 |
| Average equity | $100,583,600 | 651 |
| Average total loans | $774,710,400 | 591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 3,920 |
| Cost of funding earning assets | 1.7277% | 4,755 |
| Net interest margin | 3.8632% | 3,374 |
| Noninterest income to average assets | 1.1650% | 1,163 |
| Noninterest expense to average assets | 3.4843% | 2,317 |
| Loan and lease loss provision to assets | 0.3329% | 4,344 |
| Net operating income to assets | 0.6096% | 3,580 |
| Return on assets (ROA) | 0.7429% | 3,105 |
| Pretax return on assets | 1.0890% | 2,614 |
| Return on Equity (ROE) | 8.1952% | 2,561 |
| Retained earnings to average equity (ytd only) | -0.3201% | 5,293 |
| Net charge-offs to loans | 0.1915% | 4,867 |
| Credit loss provision to net charge-offs | 253.3395% | 1,691 |
| Earnings coverage of net charge-offs (x) | 9.3293% | 2,120 |
| Efficiency ratio | 73.0254% | 4,049 |
| Assets per employee ($millions) | 6.6873% | 899 |
| Cash dividends to net income (ytd only)* | 103.9055% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,816 |
| Loan loss allowance to noncurrent loans | 161.9708% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 6,146 |
| Noncurrent loans to loans | 0.6697% | 5,963 |
| Net loans and leases to total assets | 69.0584% | 3,700 |
| Net loans and leases to deposits | 93.2190% | 2,019 |
| Net loans and leases to core deposits | 117.0640% | 2,520 |
| Total domestic deposits to total assets | 74.0819% | 6,934 |
| Equity capital to assets | 9.1523% | 5,254 |
| Core capital (leverage) ratio | 8.7847% | 5,000 |
| Tier 1 risk-based capital ratio | 10.5443% | 6,423 |
| Total risk-based capital ratio | 11.5403% | 6,639 |
| Memoranda: | ||
| Average total assets | $1,093,770,000 | 621 |
| Average earning assets | $1,003,748,500 | 612 |
| Average equity | $99,144,500 | 669 |
| Average total loans | $750,730,000 | 628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5550% | 4,315 |
| Cost of funding earning assets | 1.7722% | 4,899 |
| Net interest margin | 3.7827% | 3,626 |
| Noninterest income to average assets | 0.9602% | 1,728 |
| Noninterest expense to average assets | 3.2978% | 2,969 |
| Loan and lease loss provision to assets | 0.3347% | 3,932 |
| Net operating income to assets | 0.5436% | 3,915 |
| Return on assets (ROA) | 0.7504% | 3,145 |
| Pretax return on assets | 1.0944% | 2,658 |
| Return on Equity (ROE) | 8.3077% | 2,651 |
| Retained earnings to average equity (ytd only) | -0.3364% | 5,305 |
| Net charge-offs to loans | 0.1768% | 4,471 |
| Credit loss provision to net charge-offs | 277.4343% | 1,687 |
| Earnings coverage of net charge-offs (x) | 9.3617% | 2,140 |
| Efficiency ratio | 73.4639% | 4,116 |
| Assets per employee ($millions) | 6.3049% | 1,056 |
| Cash dividends to net income (ytd only)* | 104.0497% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 5,680 |
| Loan loss allowance to noncurrent loans | 140.4559% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 5,956 |
| Noncurrent loans to loans | 0.7745% | 5,683 |
| Net loans and leases to total assets | 68.0329% | 4,146 |
| Net loans and leases to deposits | 90.3660% | 2,774 |
| Net loans and leases to core deposits | 113.0485% | 3,014 |
| Total domestic deposits to total assets | 75.2859% | 6,699 |
| Equity capital to assets | 9.3135% | 4,848 |
| Core capital (leverage) ratio | 9.2766% | 4,202 |
| Tier 1 risk-based capital ratio | 11.2457% | 5,649 |
| Total risk-based capital ratio | 12.2508% | 5,805 |
| Memoranda: | ||
| Average total assets | $1,072,723,330 | 652 |
| Average earning assets | $983,158,000 | 634 |
| Average equity | $96,898,000 | 689 |
| Average total loans | $731,738,330 | 669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 4,945 |
| Cost of funding earning assets | 1.8541% | 4,857 |
| Net interest margin | 3.6397% | 4,140 |
| Noninterest income to average assets | 0.9900% | 1,514 |
| Noninterest expense to average assets | 3.2619% | 2,763 |
| Loan and lease loss provision to assets | 0.3249% | 3,372 |
| Net operating income to assets | 0.5077% | 4,384 |
| Return on assets (ROA) | 0.7747% | 3,410 |
| Pretax return on assets | 1.1258% | 2,889 |
| Return on Equity (ROE) | 8.7180% | 2,837 |
| Retained earnings to average equity (ytd only) | -3.7077% | 6,385 |
| Net charge-offs to loans | 0.1259% | 3,958 |
| Credit loss provision to net charge-offs | 380.0885% | 1,355 |
| Earnings coverage of net charge-offs (x) | 12.4425% | 1,802 |
| Efficiency ratio | 74.3419% | 3,765 |
| Assets per employee ($millions) | 5.8093% | 1,311 |
| Cash dividends to net income (ytd only)* | 142.5293% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 5,720 |
| Loan loss allowance to noncurrent loans | 90.7184% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 4,967 |
| Noncurrent loans to loans | 1.1737% | 4,632 |
| Net loans and leases to total assets | 68.0316% | 4,130 |
| Net loans and leases to deposits | 92.0649% | 2,591 |
| Net loans and leases to core deposits | 111.1029% | 3,298 |
| Total domestic deposits to total assets | 73.8953% | 6,910 |
| Equity capital to assets | 9.7529% | 4,304 |
| Core capital (leverage) ratio | 9.2760% | 4,275 |
| Tier 1 risk-based capital ratio | 11.6226% | 5,276 |
| Total risk-based capital ratio | 12.6089% | 5,447 |
| Memoranda: | ||
| Average total assets | $1,057,404,500 | 658 |
| Average earning assets | $969,098,000 | 651 |
| Average equity | $93,966,000 | 705 |
| Average total loans | $718,155,500 | 695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3197% | 3,855 |
| Cost of funding earning assets | 2.3483% | 4,933 |
| Net interest margin | 3.9714% | 3,264 |
| Noninterest income to average assets | 1.1423% | 1,186 |
| Noninterest expense to average assets | 3.3175% | 2,912 |
| Loan and lease loss provision to assets | 0.3292% | 3,756 |
| Net operating income to assets | 0.7982% | 3,441 |
| Return on assets (ROA) | 0.7982% | 3,280 |
| Pretax return on assets | 1.0862% | 3,069 |
| Return on Equity (ROE) | 9.9732% | 2,269 |
| Retained earnings to average equity (ytd only) | 5.8101% | 1,613 |
| Net charge-offs to loans | 0.2108% | 4,102 |
| Credit loss provision to net charge-offs | 224.3704% | 2,119 |
| Earnings coverage of net charge-offs (x) | 9.6474% | 2,658 |
| Efficiency ratio | 68.9750% | 4,542 |
| Assets per employee ($millions) | 3.5369% | 4,574 |
| Cash dividends to net income (ytd only)* | 41.7427% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,034 |
| Loan loss allowance to noncurrent loans | 106.2640% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 5,134 |
| Noncurrent loans to loans | 0.9431% | 4,720 |
| Net loans and leases to total assets | 66.3980% | 4,770 |
| Net loans and leases to deposits | 91.6036% | 3,199 |
| Net loans and leases to core deposits | 113.3737% | 3,408 |
| Total domestic deposits to total assets | 72.4840% | 6,916 |
| Equity capital to assets | 8.0203% | 6,818 |
| Core capital (leverage) ratio | 8.1564% | 6,245 |
| Tier 1 risk-based capital ratio | 9.7245% | 7,054 |
| Total risk-based capital ratio | 10.6619% | 7,318 |
| Memoranda: | ||
| Average total assets | $920,212,800 | 724 |
| Average earning assets | $831,953,200 | 725 |
| Average equity | $73,647,200 | 901 |
| Average total loans | $640,550,800 | 746 |