Home > Pacific Premier Bank > Performance and Condition Ratios
Pacific Premier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 2,401 |
| Cost of funding earning assets | 1.3332% | 2,418 |
| Net interest margin | 3.5029% | 2,171 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.9348% | 3,764 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2627% | 1,515 |
| Return on assets (ROA) | 0.2400% | 4,122 |
| Pretax return on assets | 0.2905% | 4,096 |
| Return on Equity (ROE) | 1.5800% | 4,198 |
| Retained earnings to average equity (ytd only) | -4.8026% | 4,387 |
| Net charge-offs to loans | 0.1275% | 768 |
| Credit loss provision to net charge-offs | 81.9349% | 2,005 |
| Earnings coverage of net charge-offs (x) | 18.4135% | 1,935 |
| Efficiency ratio | 53.4732% | 3,713 |
| Assets per employee ($millions) | 14.1474% | 252 |
| Cash dividends to net income (ytd only)* | 403.4861% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,210 |
| Loan loss allowance to noncurrent loans | 775.5611% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,650 |
| Noncurrent loans to loans | 0.1867% | 2,582 |
| Net loans and leases to total assets | 68.8400% | 1,942 |
| Net loans and leases to deposits | 86.8543% | 1,548 |
| Net loans and leases to core deposits | 96.0357% | 1,653 |
| Total domestic deposits to total assets | 79.2600% | 3,572 |
| Equity capital to assets | 16.5327% | 420 |
| Core capital (leverage) ratio | 12.4251% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2287% | 1,041 |
| Memoranda: | ||
| Average total assets | $20,620,681,000 | 91 |
| Average earning assets | $18,361,515,200 | 92 |
| Average equity | $3,126,885,400 | 66 |
| Average total loans | $13,806,712,600 | 95 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 2,339 |
| Cost of funding earning assets | 1.2715% | 2,220 |
| Net interest margin | 3.4954% | 2,219 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.8912% | 3,819 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1425% | 1,934 |
| Return on assets (ROA) | 1.1430% | 1,919 |
| Pretax return on assets | 1.5565% | 1,453 |
| Return on Equity (ROE) | 7.7000% | 3,264 |
| Retained earnings to average equity (ytd only) | 0.5207% | 4,043 |
| Net charge-offs to loans | 0.1311% | 615 |
| Credit loss provision to net charge-offs | 44.8726% | 1,917 |
| Earnings coverage of net charge-offs (x) | 18.5162% | 1,858 |
| Efficiency ratio | 52.3452% | 3,731 |
| Assets per employee ($millions) | 14.9512% | 198 |
| Cash dividends to net income (ytd only)* | 93.2340% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,383 |
| Loan loss allowance to noncurrent loans | 738.8562% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,707 |
| Noncurrent loans to loans | 0.1918% | 2,591 |
| Net loans and leases to total assets | 64.5400% | 2,383 |
| Net loans and leases to deposits | 81.2539% | 1,960 |
| Net loans and leases to core deposits | 92.6019% | 1,759 |
| Total domestic deposits to total assets | 79.4300% | 3,617 |
| Equity capital to assets | 15.3652% | 497 |
| Core capital (leverage) ratio | 12.4212% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6646% | 994 |
| Memoranda: | ||
| Average total assets | $21,018,798,500 | 91 |
| Average earning assets | $18,762,008,250 | 91 |
| Average equity | $3,122,135,250 | 67 |
| Average total loans | $13,935,673,000 | 93 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 2,214 |
| Cost of funding earning assets | 1.1454% | 2,143 |
| Net interest margin | 3.5519% | 2,149 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.8596% | 3,895 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2191% | 1,777 |
| Return on assets (ROA) | 1.2198% | 1,766 |
| Pretax return on assets | 1.6658% | 1,287 |
| Return on Equity (ROE) | 8.3000% | 3,160 |
| Retained earnings to average equity (ytd only) | -0.4253% | 4,155 |
| Net charge-offs to loans | 0.0982% | 690 |
| Credit loss provision to net charge-offs | 52.2521% | 1,660 |
| Earnings coverage of net charge-offs (x) | 26.1253% | 1,612 |
| Efficiency ratio | 50.4932% | 3,883 |
| Assets per employee ($millions) | 15.0016% | 198 |
| Cash dividends to net income (ytd only)* | 105.1221% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,481 |
| Loan loss allowance to noncurrent loans | 549.0993% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,362 |
| Noncurrent loans to loans | 0.2573% | 2,234 |
| Net loans and leases to total assets | 64.6900% | 2,311 |
| Net loans and leases to deposits | 80.6852% | 1,923 |
| Net loans and leases to core deposits | 94.1311% | 1,558 |
| Total domestic deposits to total assets | 80.1800% | 3,548 |
| Equity capital to assets | 14.9634% | 530 |
| Core capital (leverage) ratio | 12.1476% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0545% | 1,118 |
| Memoranda: | ||
| Average total assets | $21,267,129,000 | 89 |
| Average earning assets | $19,020,886,333 | 89 |
| Average equity | $3,124,475,333 | 67 |
| Average total loans | $14,156,708,333 | 89 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 1,819 |
| Cost of funding earning assets | 0.2744% | 3,108 |
| Net interest margin | 3.6872% | 1,408 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.7924% | 4,042 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4018% | 1,128 |
| Return on assets (ROA) | 1.4037% | 1,081 |
| Pretax return on assets | 1.9055% | 578 |
| Return on Equity (ROE) | 9.7600% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.5384% | 2,816 |
| Net charge-offs to loans | 0.0716% | 926 |
| Credit loss provision to net charge-offs | 80.1042% | 1,681 |
| Earnings coverage of net charge-offs (x) | 39.3925% | 1,513 |
| Efficiency ratio | 46.4693% | 4,319 |
| Assets per employee ($millions) | 15.1691% | 199 |
| Cash dividends to net income (ytd only)* | 43.2494% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 1,751 |
| Loan loss allowance to noncurrent loans | 633.0723% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,539 |
| Noncurrent loans to loans | 0.2105% | 2,438 |
| Net loans and leases to total assets | 66.7800% | 1,952 |
| Net loans and leases to deposits | 83.2969% | 1,519 |
| Net loans and leases to core deposits | 93.9861% | 1,297 |
| Total domestic deposits to total assets | 80.1700% | 3,855 |
| Equity capital to assets | 14.3755% | 536 |
| Core capital (leverage) ratio | 11.7987% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7419% | 1,424 |
| Memoranda: | ||
| Average total assets | $21,604,616,000 | 93 |
| Average earning assets | $19,401,116,800 | 93 |
| Average equity | $3,107,447,000 | 72 |
| Average total loans | $14,740,314,400 | 87 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 1,796 |
| Cost of funding earning assets | 0.1472% | 3,874 |
| Net interest margin | 3.6401% | 1,297 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.7939% | 3,998 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.3852% | 1,131 |
| Return on assets (ROA) | 1.3882% | 1,091 |
| Pretax return on assets | 1.8840% | 605 |
| Return on Equity (ROE) | 9.6500% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.6220% | 2,881 |
| Net charge-offs to loans | 0.0611% | 877 |
| Credit loss provision to net charge-offs | 67.4257% | 1,465 |
| Earnings coverage of net charge-offs (x) | 45.2962% | 1,330 |
| Efficiency ratio | 46.8972% | 4,334 |
| Assets per employee ($millions) | 14.5998% | 216 |
| Cash dividends to net income (ytd only)* | 41.7433% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,982 |
| Loan loss allowance to noncurrent loans | 323.4139% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 1,837 |
| Noncurrent loans to loans | 0.4055% | 1,804 |
| Net loans and leases to total assets | 68.0700% | 1,670 |
| Net loans and leases to deposits | 82.7168% | 1,385 |
| Net loans and leases to core deposits | 89.7741% | 1,311 |
| Total domestic deposits to total assets | 82.2900% | 3,793 |
| Equity capital to assets | 14.1373% | 554 |
| Core capital (leverage) ratio | 11.6433% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0462% | 1,700 |
| Memoranda: | ||
| Average total assets | $21,582,823,500 | 95 |
| Average earning assets | $19,390,640,250 | 95 |
| Average equity | $3,104,730,500 | 74 |
| Average total loans | $14,755,178,750 | 87 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 1,756 |
| Cost of funding earning assets | 0.0830% | 4,346 |
| Net interest margin | 3.5442% | 1,196 |
| Noninterest income to average assets | 0.4244% | 2,601 |
| Noninterest expense to average assets | 1.7784% | 4,009 |
| Loan and lease loss provision to assets | 0.0085% | 2,440 |
| Net operating income to assets | 1.3435% | 1,037 |
| Return on assets (ROA) | 1.3589% | 982 |
| Pretax return on assets | 1.8441% | 539 |
| Return on Equity (ROE) | 9.3922% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,561 |
| Net charge-offs to loans | 0.0774% | 694 |
| Credit loss provision to net charge-offs | 70.5324% | 1,427 |
| Earnings coverage of net charge-offs (x) | 34.7392% | 1,331 |
| Efficiency ratio | 47.4266% | 4,375 |
| Assets per employee ($millions) | 14.0474% | 231 |
| Cash dividends to net income (ytd only)* | 42.6261% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,180 |
| Loan loss allowance to noncurrent loans | 441.1632% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,314 |
| Noncurrent loans to loans | 0.2953% | 2,283 |
| Net loans and leases to total assets | 67.5337% | 1,520 |
| Net loans and leases to deposits | 81.9499% | 1,245 |
| Net loans and leases to core deposits | 86.4588% | 1,306 |
| Total domestic deposits to total assets | 82.4086% | 3,952 |
| Equity capital to assets | 13.9652% | 519 |
| Core capital (leverage) ratio | 11.4079% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5351% | 1,853 |
| Memoranda: | ||
| Average total assets | $21,569,666,333 | 94 |
| Average earning assets | $19,396,365,667 | 95 |
| Average equity | $3,120,703,667 | 72 |
| Average total loans | $14,702,637,000 | 84 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 1,781 |
| Cost of funding earning assets | 0.0447% | 4,633 |
| Net interest margin | 3.4647% | 1,148 |
| Noninterest income to average assets | 0.4427% | 2,428 |
| Noninterest expense to average assets | 1.7825% | 3,980 |
| Loan and lease loss provision to assets | 0.0084% | 2,167 |
| Net operating income to assets | 1.3151% | 970 |
| Return on assets (ROA) | 1.3467% | 895 |
| Pretax return on assets | 1.8086% | 540 |
| Return on Equity (ROE) | 9.1444% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.1836% | 2,521 |
| Net charge-offs to loans | 0.0123% | 1,316 |
| Credit loss provision to net charge-offs | 47.3094% | 1,206 |
| Earnings coverage of net charge-offs (x) | 212.7152% | 413 |
| Efficiency ratio | 48.1866% | 4,392 |
| Assets per employee ($millions) | 13.7108% | 265 |
| Cash dividends to net income (ytd only)* | 43.3141% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 2,165 |
| Loan loss allowance to noncurrent loans | 346.0111% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 2,091 |
| Noncurrent loans to loans | 0.3871% | 2,098 |
| Net loans and leases to total assets | 67.2910% | 1,281 |
| Net loans and leases to deposits | 82.0174% | 1,010 |
| Net loans and leases to core deposits | 84.3165% | 1,227 |
| Total domestic deposits to total assets | 82.0448% | 4,068 |
| Equity capital to assets | 14.3170% | 476 |
| Core capital (leverage) ratio | 11.6554% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4698% | 2,002 |
| Memoranda: | ||
| Average total assets | $21,355,383,000 | 96 |
| Average earning assets | $19,210,918,500 | 98 |
| Average equity | $3,145,003,000 | 72 |
| Average total loans | $14,527,805,000 | 85 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 1,907 |
| Cost of funding earning assets | 0.0841% | 4,505 |
| Net interest margin | 3.7038% | 1,203 |
| Noninterest income to average assets | 0.4541% | 2,798 |
| Noninterest expense to average assets | 1.8135% | 4,120 |
| Loan and lease loss provision to assets | -0.3456% | 4,793 |
| Net operating income to assets | 1.6934% | 640 |
| Return on assets (ROA) | 1.7585% | 585 |
| Pretax return on assets | 2.3905% | 303 |
| Return on Equity (ROE) | 11.6799% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.7400% | 1,643 |
| Net charge-offs to loans | 0.0234% | 1,779 |
| Credit loss provision to net charge-offs | -2,097.8730% | 4,063 |
| Earnings coverage of net charge-offs (x) | 125.8902% | 753 |
| Efficiency ratio | 45.9695% | 4,503 |
| Assets per employee ($millions) | 13.8743% | 249 |
| Cash dividends to net income (ytd only)* | 33.7321% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,992 |
| Loan loss allowance to noncurrent loans | 632.3410% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 2,906 |
| Noncurrent loans to loans | 0.2186% | 2,868 |
| Net loans and leases to total assets | 66.9109% | 1,384 |
| Net loans and leases to deposits | 82.2173% | 1,046 |
| Net loans and leases to core deposits | 84.6783% | 1,285 |
| Total domestic deposits to total assets | 81.3830% | 4,055 |
| Equity capital to assets | 15.1473% | 475 |
| Core capital (leverage) ratio | 11.6230% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7046% | 1,974 |
| Memoranda: | ||
| Average total assets | $20,508,152,000 | 96 |
| Average earning assets | $18,393,880,600 | 99 |
| Average equity | $3,087,739,400 | 74 |
| Average total loans | $13,653,683,000 | 92 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 2,017 |
| Cost of funding earning assets | 0.1004% | 4,501 |
| Net interest margin | 3.6977% | 1,335 |
| Noninterest income to average assets | 0.4557% | 2,815 |
| Noninterest expense to average assets | 1.8114% | 4,140 |
| Loan and lease loss provision to assets | -0.3682% | 4,851 |
| Net operating income to assets | 1.7077% | 811 |
| Return on assets (ROA) | 1.7766% | 732 |
| Pretax return on assets | 2.4128% | 388 |
| Return on Equity (ROE) | 11.8184% | 2,109 |
| Retained earnings to average equity (ytd only) | 7.8760% | 2,099 |
| Net charge-offs to loans | 0.0413% | 1,269 |
| Credit loss provision to net charge-offs | -1,253.2073% | 3,908 |
| Earnings coverage of net charge-offs (x) | 71.5512% | 1,052 |
| Efficiency ratio | 45.9690% | 4,505 |
| Assets per employee ($millions) | 13.7846% | 258 |
| Cash dividends to net income (ytd only)* | 33.3584% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,591 |
| Loan loss allowance to noncurrent loans | 602.6817% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,007 |
| Noncurrent loans to loans | 0.2508% | 2,934 |
| Net loans and leases to total assets | 65.6002% | 1,585 |
| Net loans and leases to deposits | 78.5985% | 1,427 |
| Net loans and leases to core deposits | 81.0044% | 1,646 |
| Total domestic deposits to total assets | 83.4623% | 3,589 |
| Equity capital to assets | 14.9569% | 549 |
| Core capital (leverage) ratio | 11.3775% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6129% | 2,122 |
| Memoranda: | ||
| Average total assets | $20,362,968,250 | 96 |
| Average earning assets | $18,244,834,750 | 98 |
| Average equity | $3,061,074,500 | 73 |
| Average total loans | $13,489,976,500 | 91 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 2,050 |
| Cost of funding earning assets | 0.1252% | 4,389 |
| Net interest margin | 3.6827% | 1,392 |
| Noninterest income to average assets | 0.4133% | 3,043 |
| Noninterest expense to average assets | 1.8133% | 4,159 |
| Loan and lease loss provision to assets | -0.3623% | 4,867 |
| Net operating income to assets | 1.6659% | 929 |
| Return on assets (ROA) | 1.7375% | 864 |
| Pretax return on assets | 2.3523% | 443 |
| Return on Equity (ROE) | 11.5383% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.6302% | 2,217 |
| Net charge-offs to loans | 0.0364% | 1,272 |
| Credit loss provision to net charge-offs | -1,351.5651% | 3,742 |
| Earnings coverage of net charge-offs (x) | 78.8060% | 842 |
| Efficiency ratio | 46.6635% | 4,485 |
| Assets per employee ($millions) | 13.5001% | 256 |
| Cash dividends to net income (ytd only)* | 33.8705% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,036 |
| Loan loss allowance to noncurrent loans | 676.9244% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 3,147 |
| Noncurrent loans to loans | 0.2528% | 3,038 |
| Net loans and leases to total assets | 65.1053% | 1,813 |
| Net loans and leases to deposits | 78.1994% | 1,597 |
| Net loans and leases to core deposits | 81.0104% | 1,800 |
| Total domestic deposits to total assets | 83.2555% | 3,651 |
| Equity capital to assets | 15.0982% | 512 |
| Core capital (leverage) ratio | 11.3088% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4400% | 1,821 |
| Memoranda: | ||
| Average total assets | $20,148,048,000 | 97 |
| Average earning assets | $18,051,029,667 | 99 |
| Average equity | $3,034,067,333 | 75 |
| Average total loans | $13,322,439,333 | 92 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 1,933 |
| Cost of funding earning assets | 0.1397% | 4,385 |
| Net interest margin | 3.7204% | 1,291 |
| Noninterest income to average assets | 0.3912% | 3,139 |
| Noninterest expense to average assets | 1.8102% | 4,196 |
| Loan and lease loss provision to assets | 0.0396% | 2,252 |
| Net operating income to assets | 1.4095% | 1,543 |
| Return on assets (ROA) | 1.4736% | 1,451 |
| Pretax return on assets | 1.9647% | 1,006 |
| Return on Equity (ROE) | 9.7986% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,887 |
| Net charge-offs to loans | 0.0405% | 1,058 |
| Credit loss provision to net charge-offs | 23.6132% | 1,405 |
| Earnings coverage of net charge-offs (x) | 71.9228% | 746 |
| Efficiency ratio | 46.2615% | 4,451 |
| Assets per employee ($millions) | 13.2713% | 267 |
| Cash dividends to net income (ytd only)* | 38.4784% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0340% | 554 |
| Loan loss allowance to noncurrent loans | 686.2140% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,202 |
| Noncurrent loans to loans | 0.2964% | 3,038 |
| Net loans and leases to total assets | 63.7504% | 2,078 |
| Net loans and leases to deposits | 76.3465% | 1,870 |
| Net loans and leases to core deposits | 79.3880% | 2,063 |
| Total domestic deposits to total assets | 83.5014% | 3,569 |
| Equity capital to assets | 14.7960% | 527 |
| Core capital (leverage) ratio | 11.1327% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9168% | 1,593 |
| Memoranda: | ||
| Average total assets | $19,955,246,000 | 98 |
| Average earning assets | $17,926,225,500 | 99 |
| Average equity | $3,000,990,500 | 77 |
| Average total loans | $13,183,026,500 | 94 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,049 |
| Cost of funding earning assets | 0.2679% | 4,301 |
| Net interest margin | 3.9636% | 1,055 |
| Noninterest income to average assets | 0.3394% | 3,431 |
| Noninterest expense to average assets | 2.3376% | 3,302 |
| Loan and lease loss provision to assets | 1.0272% | 89 |
| Net operating income to assets | 0.4008% | 4,241 |
| Return on assets (ROA) | 0.4671% | 4,183 |
| Pretax return on assets | 0.5803% | 4,120 |
| Return on Equity (ROE) | 2.9578% | 4,395 |
| Retained earnings to average equity (ytd only) | 1.8297% | 3,898 |
| Net charge-offs to loans | 0.1423% | 1,133 |
| Credit loss provision to net charge-offs | 1,021.1144% | 772 |
| Earnings coverage of net charge-offs (x) | 15.1563% | 2,181 |
| Efficiency ratio | 57.8876% | 3,735 |
| Assets per employee ($millions) | 13.3547% | 243 |
| Cash dividends to net income (ytd only)* | 38.1411% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 554 |
| Loan loss allowance to noncurrent loans | 917.5870% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,543 |
| Noncurrent loans to loans | 0.2206% | 3,412 |
| Net loans and leases to total assets | 65.7158% | 2,132 |
| Net loans and leases to deposits | 79.4253% | 1,934 |
| Net loans and leases to core deposits | 83.7020% | 2,067 |
| Total domestic deposits to total assets | 82.7391% | 3,481 |
| Equity capital to assets | 15.2865% | 524 |
| Core capital (leverage) ratio | 10.8878% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8916% | 1,568 |
| Memoranda: | ||
| Average total assets | $16,769,620,800 | 104 |
| Average earning assets | $14,905,127,000 | 106 |
| Average equity | $2,648,099,000 | 86 |
| Average total loans | $11,851,175,200 | 102 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,227 |
| Cost of funding earning assets | 0.3065% | 4,282 |
| Net interest margin | 3.9515% | 1,233 |
| Noninterest income to average assets | 0.3236% | 3,549 |
| Noninterest expense to average assets | 2.3663% | 3,233 |
| Loan and lease loss provision to assets | 1.5002% | 58 |
| Net operating income to assets | -0.0221% | 4,786 |
| Return on assets (ROA) | 0.0518% | 4,761 |
| Pretax return on assets | 0.0041% | 4,783 |
| Return on Equity (ROE) | 0.3248% | 4,769 |
| Retained earnings to average equity (ytd only) | -1.2336% | 4,635 |
| Net charge-offs to loans | 0.1213% | 1,153 |
| Credit loss provision to net charge-offs | 1,723.4423% | 550 |
| Earnings coverage of net charge-offs (x) | 16.4328% | 2,059 |
| Efficiency ratio | 59.5706% | 3,450 |
| Assets per employee ($millions) | 12.9090% | 264 |
| Cash dividends to net income (ytd only)* | 479.7495% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 417 |
| Loan loss allowance to noncurrent loans | 1,038.0797% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 3,726 |
| Noncurrent loans to loans | 0.2023% | 3,576 |
| Net loans and leases to total assets | 66.3837% | 2,467 |
| Net loans and leases to deposits | 79.8798% | 2,330 |
| Net loans and leases to core deposits | 84.4618% | 2,433 |
| Total domestic deposits to total assets | 83.1045% | 3,120 |
| Equity capital to assets | 14.7572% | 688 |
| Core capital (leverage) ratio | 10.3312% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3816% | 1,702 |
| Memoranda: | ||
| Average total assets | $16,027,480,250 | 107 |
| Average earning assets | $14,087,216,500 | 111 |
| Average equity | $2,555,802,500 | 87 |
| Average total loans | $11,504,187,500 | 103 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,022 |
| Cost of funding earning assets | 0.3381% | 4,321 |
| Net interest margin | 3.7746% | 1,901 |
| Noninterest income to average assets | 0.1836% | 4,360 |
| Noninterest expense to average assets | 2.5493% | 2,830 |
| Loan and lease loss provision to assets | 2.3805% | 43 |
| Net operating income to assets | -0.9637% | 4,960 |
| Return on assets (ROA) | -0.8808% | 4,951 |
| Pretax return on assets | -1.3088% | 4,973 |
| Return on Equity (ROE) | -5.3448% | 4,930 |
| Retained earnings to average equity (ytd only) | -7.8018% | 4,875 |
| Net charge-offs to loans | 0.1104% | 1,189 |
| Credit loss provision to net charge-offs | 2,930.2469% | 369 |
| Earnings coverage of net charge-offs (x) | 11.9009% | 2,085 |
| Efficiency ratio | 69.4080% | 2,032 |
| Assets per employee ($millions) | 13.2614% | 238 |
| Cash dividends to net income (ytd only)* | -45.9699% | 5,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 562 |
| Loan loss allowance to noncurrent loans | 834.5041% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 3,689 |
| Noncurrent loans to loans | 0.2242% | 3,577 |
| Net loans and leases to total assets | 72.1495% | 1,679 |
| Net loans and leases to deposits | 86.3050% | 1,731 |
| Net loans and leases to core deposits | 92.5428% | 1,859 |
| Total domestic deposits to total assets | 83.5983% | 2,885 |
| Equity capital to assets | 13.9731% | 863 |
| Core capital (leverage) ratio | 13.4897% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8053% | 1,891 |
| Memoranda: | ||
| Average total assets | $14,756,276,667 | 115 |
| Average earning assets | $13,028,242,000 | 114 |
| Average equity | $2,431,737,667 | 90 |
| Average total loans | $10,854,333,667 | 105 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 1,480 |
| Cost of funding earning assets | 0.4466% | 4,167 |
| Net interest margin | 4.3308% | 717 |
| Noninterest income to average assets | 0.2253% | 4,203 |
| Noninterest expense to average assets | 2.1889% | 4,033 |
| Loan and lease loss provision to assets | 0.8548% | 277 |
| Net operating income to assets | 0.7731% | 3,011 |
| Return on assets (ROA) | 0.9822% | 2,339 |
| Pretax return on assets | 1.2222% | 2,120 |
| Return on Equity (ROE) | 5.2683% | 3,546 |
| Retained earnings to average equity (ytd only) | 2.5800% | 3,237 |
| Net charge-offs to loans | 0.0615% | 1,396 |
| Credit loss provision to net charge-offs | 1,888.5417% | 356 |
| Earnings coverage of net charge-offs (x) | 40.1131% | 1,025 |
| Efficiency ratio | 51.3250% | 4,591 |
| Assets per employee ($millions) | 11.9158% | 240 |
| Cash dividends to net income (ytd only)* | 51.0287% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,060 |
| Loan loss allowance to noncurrent loans | 560.0291% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 3,788 |
| Noncurrent loans to loans | 0.2354% | 3,643 |
| Net loans and leases to total assets | 72.1445% | 1,901 |
| Net loans and leases to deposits | 94.8036% | 1,009 |
| Net loans and leases to core deposits | 101.9280% | 1,328 |
| Total domestic deposits to total assets | 76.0989% | 4,474 |
| Equity capital to assets | 18.4601% | 319 |
| Core capital (leverage) ratio | 12.5410% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2768% | 2,161 |
| Memoranda: | ||
| Average total assets | $11,876,704,000 | 131 |
| Average earning assets | $10,364,272,500 | 135 |
| Average equity | $2,214,284,000 | 103 |
| Average total loans | $8,739,481,500 | 132 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 1,113 |
| Cost of funding earning assets | 0.6667% | 3,325 |
| Net interest margin | 4.4806% | 744 |
| Noninterest income to average assets | 0.2322% | 4,285 |
| Noninterest expense to average assets | 2.1577% | 4,249 |
| Loan and lease loss provision to assets | 0.0610% | 2,815 |
| Net operating income to assets | 1.4101% | 1,311 |
| Return on assets (ROA) | 1.4680% | 1,194 |
| Pretax return on assets | 2.0047% | 596 |
| Return on Equity (ROE) | 7.9872% | 3,164 |
| Retained earnings to average equity (ytd only) | 5.4679% | 2,181 |
| Net charge-offs to loans | 0.0854% | 1,896 |
| Credit loss provision to net charge-offs | 95.0193% | 2,592 |
| Earnings coverage of net charge-offs (x) | 31.0124% | 1,548 |
| Efficiency ratio | 48.4369% | 4,807 |
| Assets per employee ($millions) | 11.8017% | 237 |
| Cash dividends to net income (ytd only)* | 31.5417% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4092% | 4,985 |
| Loan loss allowance to noncurrent loans | 418.6467% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 4,261 |
| Noncurrent loans to loans | 0.0977% | 4,134 |
| Net loans and leases to total assets | 73.7667% | 1,794 |
| Net loans and leases to deposits | 97.3282% | 815 |
| Net loans and leases to core deposits | 103.8636% | 1,239 |
| Total domestic deposits to total assets | 75.7918% | 4,622 |
| Equity capital to assets | 18.8308% | 310 |
| Core capital (leverage) ratio | 12.3912% | 1,543 |
| Tier 1 risk-based capital ratio | 13.4327% | 3,560 |
| Total risk-based capital ratio | 13.8289% | 3,906 |
| Memoranda: | ||
| Average total assets | $11,687,840,000 | 127 |
| Average earning assets | $10,220,290,000 | 129 |
| Average equity | $2,148,145,400 | 102 |
| Average total loans | $8,797,816,200 | 122 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 1,085 |
| Cost of funding earning assets | 0.7091% | 3,164 |
| Net interest margin | 4.4686% | 825 |
| Noninterest income to average assets | 0.2358% | 4,326 |
| Noninterest expense to average assets | 2.1484% | 4,276 |
| Loan and lease loss provision to assets | 0.0471% | 2,957 |
| Net operating income to assets | 1.4083% | 1,442 |
| Return on assets (ROA) | 1.4525% | 1,381 |
| Pretax return on assets | 2.0049% | 675 |
| Return on Equity (ROE) | 7.9525% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.3832% | 2,683 |
| Net charge-offs to loans | 0.0785% | 1,701 |
| Credit loss provision to net charge-offs | 79.3681% | 2,513 |
| Earnings coverage of net charge-offs (x) | 33.6417% | 1,520 |
| Efficiency ratio | 48.2540% | 4,838 |
| Assets per employee ($millions) | 11.8352% | 223 |
| Cash dividends to net income (ytd only)* | 32.3073% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 5,062 |
| Loan loss allowance to noncurrent loans | 431.6192% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,365 |
| Noncurrent loans to loans | 0.0925% | 4,234 |
| Net loans and leases to total assets | 73.9073% | 1,835 |
| Net loans and leases to deposits | 98.1940% | 803 |
| Net loans and leases to core deposits | 108.3498% | 1,028 |
| Total domestic deposits to total assets | 75.2667% | 4,718 |
| Equity capital to assets | 18.5826% | 346 |
| Core capital (leverage) ratio | 12.1982% | 1,735 |
| Tier 1 risk-based capital ratio | 13.0136% | 3,842 |
| Total risk-based capital ratio | 13.4076% | 4,222 |
| Memoranda: | ||
| Average total assets | $11,665,287,000 | 127 |
| Average earning assets | $10,203,308,000 | 129 |
| Average equity | $2,130,706,000 | 101 |
| Average total loans | $8,816,274,500 | 120 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 1,015 |
| Cost of funding earning assets | 0.7306% | 2,994 |
| Net interest margin | 4.4518% | 850 |
| Noninterest income to average assets | 0.2285% | 4,385 |
| Noninterest expense to average assets | 2.1316% | 4,359 |
| Loan and lease loss provision to assets | 0.0474% | 2,869 |
| Net operating income to assets | 1.4090% | 1,415 |
| Return on assets (ROA) | 1.4177% | 1,434 |
| Pretax return on assets | 1.9595% | 737 |
| Return on Equity (ROE) | 7.8077% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.1725% | 2,683 |
| Net charge-offs to loans | 0.0860% | 1,505 |
| Credit loss provision to net charge-offs | 72.5000% | 2,299 |
| Earnings coverage of net charge-offs (x) | 30.5082% | 1,446 |
| Efficiency ratio | 48.0076% | 4,902 |
| Assets per employee ($millions) | 11.3192% | 250 |
| Cash dividends to net income (ytd only)* | 33.7511% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3989% | 5,109 |
| Loan loss allowance to noncurrent loans | 312.2860% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,278 |
| Noncurrent loans to loans | 0.1277% | 4,101 |
| Net loans and leases to total assets | 74.2189% | 1,853 |
| Net loans and leases to deposits | 97.7526% | 869 |
| Net loans and leases to core deposits | 110.2932% | 959 |
| Total domestic deposits to total assets | 75.9252% | 4,679 |
| Equity capital to assets | 18.2722% | 353 |
| Core capital (leverage) ratio | 11.6639% | 2,047 |
| Tier 1 risk-based capital ratio | 12.5127% | 4,118 |
| Total risk-based capital ratio | 12.9015% | 4,504 |
| Memoranda: | ||
| Average total assets | $11,616,548,670 | 127 |
| Average earning assets | $10,174,129,330 | 131 |
| Average equity | $2,109,315,000 | 101 |
| Average total loans | $8,833,510,000 | 122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 931 |
| Cost of funding earning assets | 0.7151% | 2,974 |
| Net interest margin | 4.4726% | 780 |
| Noninterest income to average assets | 0.2500% | 4,225 |
| Noninterest expense to average assets | 2.1403% | 4,397 |
| Loan and lease loss provision to assets | 0.0698% | 2,261 |
| Net operating income to assets | 1.4010% | 1,376 |
| Return on assets (ROA) | 1.4127% | 1,370 |
| Pretax return on assets | 1.9787% | 665 |
| Return on Equity (ROE) | 7.8050% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.1223% | 2,852 |
| Net charge-offs to loans | 0.0103% | 2,320 |
| Credit loss provision to net charge-offs | 882.4561% | 414 |
| Earnings coverage of net charge-offs (x) | 257.1842% | 314 |
| Efficiency ratio | 47.5908% | 4,961 |
| Assets per employee ($millions) | 11.4196% | 235 |
| Cash dividends to net income (ytd only)* | 34.3719% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 5,150 |
| Loan loss allowance to noncurrent loans | 291.0880% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,239 |
| Noncurrent loans to loans | 0.1465% | 4,075 |
| Net loans and leases to total assets | 76.3391% | 1,424 |
| Net loans and leases to deposits | 101.1668% | 546 |
| Net loans and leases to core deposits | 115.0810% | 683 |
| Total domestic deposits to total assets | 75.4587% | 4,818 |
| Equity capital to assets | 18.1942% | 336 |
| Core capital (leverage) ratio | 11.3893% | 2,223 |
| Tier 1 risk-based capital ratio | 12.0716% | 4,417 |
| Total risk-based capital ratio | 12.4883% | 4,780 |
| Memoranda: | ||
| Average total assets | $11,533,165,500 | 129 |
| Average earning assets | $10,118,555,000 | 132 |
| Average equity | $2,087,435,500 | 101 |
| Average total loans | $8,860,031,500 | 120 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 531 |
| Cost of funding earning assets | 0.5851% | 2,816 |
| Net interest margin | 4.7675% | 423 |
| Noninterest income to average assets | 0.3084% | 4,052 |
| Noninterest expense to average assets | 2.5751% | 3,403 |
| Loan and lease loss provision to assets | 0.0863% | 2,414 |
| Net operating income to assets | 1.3898% | 1,463 |
| Return on assets (ROA) | 1.4015% | 1,421 |
| Pretax return on assets | 1.8873% | 742 |
| Return on Equity (ROE) | 8.1394% | 3,381 |
| Retained earnings to average equity (ytd only) | 8.1394% | 1,172 |
| Net charge-offs to loans | 0.0140% | 3,212 |
| Credit loss provision to net charge-offs | 799.6078% | 448 |
| Earnings coverage of net charge-offs (x) | 181.5078% | 482 |
| Efficiency ratio | 53.6236% | 4,648 |
| Assets per employee ($millions) | 11.2286% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 5,205 |
| Loan loss allowance to noncurrent loans | 715.7143% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,623 |
| Noncurrent loans to loans | 0.0570% | 4,496 |
| Net loans and leases to total assets | 76.6656% | 1,492 |
| Net loans and leases to deposits | 101.4003% | 633 |
| Net loans and leases to core deposits | 115.3887% | 713 |
| Total domestic deposits to total assets | 75.6068% | 4,796 |
| Equity capital to assets | 18.0039% | 344 |
| Core capital (leverage) ratio | 11.0617% | 2,468 |
| Tier 1 risk-based capital ratio | 11.8691% | 4,519 |
| Total risk-based capital ratio | 12.2767% | 4,858 |
| Memoranda: | ||
| Average total assets | $9,451,462,600 | 143 |
| Average earning assets | $8,376,914,800 | 147 |
| Average equity | $1,627,390,400 | 113 |
| Average total loans | $7,287,371,000 | 138 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 571 |
| Cost of funding earning assets | 0.5417% | 2,919 |
| Net interest margin | 4.7031% | 476 |
| Noninterest income to average assets | 0.3217% | 3,998 |
| Noninterest expense to average assets | 2.6446% | 3,138 |
| Loan and lease loss provision to assets | 0.0783% | 2,394 |
| Net operating income to assets | 1.3358% | 1,718 |
| Return on assets (ROA) | 1.3522% | 1,666 |
| Pretax return on assets | 1.7959% | 1,022 |
| Return on Equity (ROE) | 7.9703% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.9703% | 1,674 |
| Net charge-offs to loans | 0.0170% | 2,827 |
| Credit loss provision to net charge-offs | 595.4649% | 605 |
| Earnings coverage of net charge-offs (x) | 140.9377% | 575 |
| Efficiency ratio | 55.8248% | 4,407 |
| Assets per employee ($millions) | 10.0900% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 5,307 |
| Loan loss allowance to noncurrent loans | 447.0004% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,641 |
| Noncurrent loans to loans | 0.0846% | 4,500 |
| Net loans and leases to total assets | 76.3201% | 1,615 |
| Net loans and leases to deposits | 102.8271% | 609 |
| Net loans and leases to core deposits | 115.0907% | 758 |
| Total domestic deposits to total assets | 74.2218% | 4,955 |
| Equity capital to assets | 17.4995% | 377 |
| Core capital (leverage) ratio | 10.8320% | 2,759 |
| Tier 1 risk-based capital ratio | 11.5803% | 4,746 |
| Total risk-based capital ratio | 11.9721% | 5,062 |
| Memoranda: | ||
| Average total assets | $8,942,613,500 | 151 |
| Average earning assets | $7,940,942,250 | 152 |
| Average equity | $1,517,218,750 | 116 |
| Average total loans | $6,898,579,500 | 143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 682 |
| Cost of funding earning assets | 0.4939% | 3,045 |
| Net interest margin | 4.5910% | 560 |
| Noninterest income to average assets | 0.3766% | 3,638 |
| Noninterest expense to average assets | 2.4071% | 3,877 |
| Loan and lease loss provision to assets | 0.0892% | 2,138 |
| Net operating income to assets | 1.4641% | 1,244 |
| Return on assets (ROA) | 1.4706% | 1,225 |
| Pretax return on assets | 1.9851% | 621 |
| Return on Equity (ROE) | 8.7990% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.7990% | 1,276 |
| Net charge-offs to loans | 0.0254% | 2,346 |
| Credit loss provision to net charge-offs | 453.5849% | 753 |
| Earnings coverage of net charge-offs (x) | 105.1107% | 675 |
| Efficiency ratio | 51.4526% | 4,939 |
| Assets per employee ($millions) | 9.1052% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 5,254 |
| Loan loss allowance to noncurrent loans | 525.6996% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,627 |
| Noncurrent loans to loans | 0.0960% | 4,486 |
| Net loans and leases to total assets | 76.7289% | 1,524 |
| Net loans and leases to deposits | 98.5788% | 921 |
| Net loans and leases to core deposits | 112.4846% | 860 |
| Total domestic deposits to total assets | 77.8351% | 4,616 |
| Equity capital to assets | 16.8752% | 410 |
| Core capital (leverage) ratio | 11.3104% | 2,245 |
| Tier 1 risk-based capital ratio | 12.0462% | 4,463 |
| Total risk-based capital ratio | 12.5300% | 4,807 |
| Memoranda: | ||
| Average total assets | $8,089,291,670 | 161 |
| Average earning assets | $7,217,872,000 | 160 |
| Average equity | $1,351,995,330 | 127 |
| Average total loans | $6,260,744,670 | 151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 624 |
| Cost of funding earning assets | 0.4418% | 3,273 |
| Net interest margin | 4.6110% | 489 |
| Noninterest income to average assets | 0.3744% | 3,633 |
| Noninterest expense to average assets | 2.3985% | 3,948 |
| Loan and lease loss provision to assets | 0.1119% | 1,687 |
| Net operating income to assets | 1.4934% | 1,095 |
| Return on assets (ROA) | 1.4936% | 1,102 |
| Pretax return on assets | 1.9800% | 592 |
| Return on Equity (ROE) | 8.9807% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.9807% | 1,464 |
| Net charge-offs to loans | 0.0440% | 1,680 |
| Credit loss provision to net charge-offs | 327.9476% | 773 |
| Earnings coverage of net charge-offs (x) | 61.3071% | 835 |
| Efficiency ratio | 50.9030% | 5,028 |
| Assets per employee ($millions) | 9.1584% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4864% | 5,348 |
| Loan loss allowance to noncurrent loans | 370.9803% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,559 |
| Noncurrent loans to loans | 0.1311% | 4,380 |
| Net loans and leases to total assets | 77.1669% | 1,362 |
| Net loans and leases to deposits | 100.3747% | 678 |
| Net loans and leases to core deposits | 113.8473% | 812 |
| Total domestic deposits to total assets | 76.8788% | 4,874 |
| Equity capital to assets | 16.6852% | 422 |
| Core capital (leverage) ratio | 10.9999% | 2,438 |
| Tier 1 risk-based capital ratio | 11.9258% | 4,588 |
| Total risk-based capital ratio | 12.3929% | 4,955 |
| Memoranda: | ||
| Average total assets | $8,054,825,500 | 162 |
| Average earning assets | $7,189,578,500 | 161 |
| Average equity | $1,339,633,500 | 128 |
| Average total loans | $6,245,384,500 | 151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 521 |
| Cost of funding earning assets | 0.3368% | 3,826 |
| Net interest margin | 4.7725% | 371 |
| Noninterest income to average assets | 0.4828% | 3,111 |
| Noninterest expense to average assets | 2.7160% | 3,078 |
| Loan and lease loss provision to assets | 0.1479% | 1,539 |
| Net operating income to assets | 1.1399% | 1,715 |
| Return on assets (ROA) | 1.1699% | 1,641 |
| Pretax return on assets | 1.9840% | 509 |
| Return on Equity (ROE) | 7.6929% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.6929% | 860 |
| Net charge-offs to loans | 0.0219% | 3,366 |
| Credit loss provision to net charge-offs | 864.0000% | 408 |
| Earnings coverage of net charge-offs (x) | 121.7690% | 555 |
| Efficiency ratio | 54.3807% | 4,921 |
| Assets per employee ($millions) | 9.5283% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 5,431 |
| Loan loss allowance to noncurrent loans | 566.8168% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,791 |
| Noncurrent loans to loans | 0.0821% | 4,633 |
| Net loans and leases to total assets | 77.1670% | 1,401 |
| Net loans and leases to deposits | 101.2319% | 640 |
| Net loans and leases to core deposits | 113.5912% | 814 |
| Total domestic deposits to total assets | 76.2280% | 4,951 |
| Equity capital to assets | 16.5773% | 444 |
| Core capital (leverage) ratio | 11.6795% | 1,809 |
| Tier 1 risk-based capital ratio | 11.8776% | 4,611 |
| Total risk-based capital ratio | 12.3286% | 4,986 |
| Memoranda: | ||
| Average total assets | $5,840,186,000 | 189 |
| Average earning assets | $5,284,177,000 | 187 |
| Average equity | $888,155,600 | 165 |
| Average total loans | $4,557,023,200 | 175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 500 |
| Cost of funding earning assets | 0.3247% | 3,894 |
| Net interest margin | 4.7789% | 356 |
| Noninterest income to average assets | 0.4680% | 3,228 |
| Noninterest expense to average assets | 2.8089% | 2,692 |
| Loan and lease loss provision to assets | 0.1626% | 1,254 |
| Net operating income to assets | 1.2049% | 1,673 |
| Return on assets (ROA) | 1.2538% | 1,522 |
| Pretax return on assets | 1.9179% | 658 |
| Return on Equity (ROE) | 8.5360% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.5360% | 995 |
| Net charge-offs to loans | 0.0196% | 3,098 |
| Credit loss provision to net charge-offs | 1,061.6776% | 340 |
| Earnings coverage of net charge-offs (x) | 130.9583% | 589 |
| Efficiency ratio | 56.2406% | 4,711 |
| Assets per employee ($millions) | 9.1481% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 5,417 |
| Loan loss allowance to noncurrent loans | 1,663.1740% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 5,088 |
| Noncurrent loans to loans | 0.0323% | 4,980 |
| Net loans and leases to total assets | 76.9551% | 1,426 |
| Net loans and leases to deposits | 99.6615% | 766 |
| Net loans and leases to core deposits | 109.4556% | 1,060 |
| Total domestic deposits to total assets | 77.2165% | 4,847 |
| Equity capital to assets | 16.0658% | 533 |
| Core capital (leverage) ratio | 10.9084% | 2,541 |
| Tier 1 risk-based capital ratio | 11.7983% | 4,770 |
| Total risk-based capital ratio | 12.3089% | 5,104 |
| Memoranda: | ||
| Average total assets | $5,294,532,500 | 203 |
| Average earning assets | $4,815,004,250 | 201 |
| Average equity | $777,704,250 | 175 |
| Average total loans | $4,141,305,500 | 185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 469 |
| Cost of funding earning assets | 0.3131% | 3,946 |
| Net interest margin | 4.7904% | 329 |
| Noninterest income to average assets | 0.4603% | 3,285 |
| Noninterest expense to average assets | 2.9995% | 2,108 |
| Loan and lease loss provision to assets | 0.1805% | 1,051 |
| Net operating income to assets | 1.0911% | 2,020 |
| Return on assets (ROA) | 1.1468% | 1,843 |
| Pretax return on assets | 1.7556% | 932 |
| Return on Equity (ROE) | 8.1482% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.1482% | 1,103 |
| Net charge-offs to loans | 0.0337% | 2,515 |
| Credit loss provision to net charge-offs | 680.9892% | 515 |
| Earnings coverage of net charge-offs (x) | 69.8099% | 842 |
| Efficiency ratio | 59.9306% | 4,324 |
| Assets per employee ($millions) | 9.1087% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 5,500 |
| Loan loss allowance to noncurrent loans | 6,343.0380% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,248 |
| Noncurrent loans to loans | 0.0081% | 5,155 |
| Net loans and leases to total assets | 75.1630% | 1,670 |
| Net loans and leases to deposits | 97.2806% | 963 |
| Net loans and leases to core deposits | 106.7527% | 1,177 |
| Total domestic deposits to total assets | 77.2641% | 4,920 |
| Equity capital to assets | 15.8468% | 551 |
| Core capital (leverage) ratio | 10.5399% | 2,870 |
| Tier 1 risk-based capital ratio | 11.8516% | 4,728 |
| Total risk-based capital ratio | 12.3495% | 5,093 |
| Memoranda: | ||
| Average total assets | $4,882,126,670 | 214 |
| Average earning assets | $4,473,614,330 | 210 |
| Average equity | $687,146,330 | 185 |
| Average total loans | $3,837,187,330 | 198 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 869 |
| Cost of funding earning assets | 0.2861% | 4,181 |
| Net interest margin | 4.4507% | 570 |
| Noninterest income to average assets | 0.4534% | 3,293 |
| Noninterest expense to average assets | 2.4862% | 3,848 |
| Loan and lease loss provision to assets | 0.2439% | 630 |
| Net operating income to assets | 1.2385% | 1,410 |
| Return on assets (ROA) | 1.2385% | 1,446 |
| Pretax return on assets | 1.8843% | 666 |
| Return on Equity (ROE) | 9.7643% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.7643% | 870 |
| Net charge-offs to loans | 0.0870% | 1,474 |
| Credit loss provision to net charge-offs | 346.0581% | 719 |
| Earnings coverage of net charge-offs (x) | 30.1936% | 1,217 |
| Efficiency ratio | 52.8035% | 5,221 |
| Assets per employee ($millions) | 9.0872% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 5,349 |
| Loan loss allowance to noncurrent loans | 4,498.0507% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,237 |
| Noncurrent loans to loans | 0.0151% | 5,180 |
| Net loans and leases to total assets | 80.8842% | 712 |
| Net loans and leases to deposits | 101.8644% | 503 |
| Net loans and leases to core deposits | 114.8180% | 639 |
| Total domestic deposits to total assets | 79.4038% | 4,740 |
| Equity capital to assets | 12.6425% | 1,445 |
| Core capital (leverage) ratio | 10.7100% | 2,682 |
| Tier 1 risk-based capital ratio | 11.4177% | 5,081 |
| Total risk-based capital ratio | 12.0647% | 5,321 |
| Memoranda: | ||
| Average total assets | $4,103,258,500 | 246 |
| Average earning assets | $3,836,037,500 | 239 |
| Average equity | $520,465,000 | 222 |
| Average total loans | $3,323,055,500 | 225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 539 |
| Cost of funding earning assets | 0.2947% | 4,126 |
| Net interest margin | 4.7577% | 379 |
| Noninterest income to average assets | 0.4938% | 3,278 |
| Noninterest expense to average assets | 2.6607% | 3,487 |
| Loan and lease loss provision to assets | 0.2476% | 850 |
| Net operating income to assets | 1.2380% | 1,384 |
| Return on assets (ROA) | 1.2668% | 1,386 |
| Pretax return on assets | 2.0567% | 440 |
| Return on Equity (ROE) | 9.5385% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5385% | 489 |
| Net charge-offs to loans | 0.1665% | 1,624 |
| Credit loss provision to net charge-offs | 182.9477% | 1,535 |
| Earnings coverage of net charge-offs (x) | 16.6944% | 2,093 |
| Efficiency ratio | 52.9107% | 5,318 |
| Assets per employee ($millions) | 9.0482% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 5,438 |
| Loan loss allowance to noncurrent loans | 1,868.0702% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,199 |
| Noncurrent loans to loans | 0.0351% | 5,118 |
| Net loans and leases to total assets | 79.9912% | 895 |
| Net loans and leases to deposits | 101.8442% | 541 |
| Net loans and leases to core deposits | 113.6778% | 713 |
| Total domestic deposits to total assets | 78.5427% | 4,887 |
| Equity capital to assets | 12.7273% | 1,381 |
| Core capital (leverage) ratio | 10.9395% | 2,394 |
| Tier 1 risk-based capital ratio | 11.7040% | 4,922 |
| Total risk-based capital ratio | 12.3431% | 5,182 |
| Memoranda: | ||
| Average total assets | $3,544,515,200 | 266 |
| Average earning assets | $3,297,591,800 | 262 |
| Average equity | $470,735,200 | 230 |
| Average total loans | $2,880,300,000 | 234 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 532 |
| Cost of funding earning assets | 0.3019% | 4,075 |
| Net interest margin | 4.7617% | 390 |
| Noninterest income to average assets | 0.5291% | 3,052 |
| Noninterest expense to average assets | 2.7361% | 3,234 |
| Loan and lease loss provision to assets | 0.2619% | 696 |
| Net operating income to assets | 1.1919% | 1,662 |
| Return on assets (ROA) | 1.2316% | 1,618 |
| Pretax return on assets | 2.0198% | 548 |
| Return on Equity (ROE) | 9.1615% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.1615% | 770 |
| Net charge-offs to loans | 0.1050% | 1,894 |
| Credit loss provision to net charge-offs | 306.1020% | 1,016 |
| Earnings coverage of net charge-offs (x) | 25.9403% | 1,616 |
| Efficiency ratio | 54.0213% | 5,241 |
| Assets per employee ($millions) | 8.3759% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7046% | 5,419 |
| Loan loss allowance to noncurrent loans | 381.0047% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,755 |
| Noncurrent loans to loans | 0.1849% | 4,607 |
| Net loans and leases to total assets | 82.0272% | 614 |
| Net loans and leases to deposits | 99.7406% | 717 |
| Net loans and leases to core deposits | 110.2551% | 895 |
| Total domestic deposits to total assets | 82.2405% | 3,862 |
| Equity capital to assets | 13.4318% | 1,276 |
| Core capital (leverage) ratio | 11.0280% | 2,422 |
| Tier 1 risk-based capital ratio | 12.0699% | 4,744 |
| Total risk-based capital ratio | 12.7676% | 4,988 |
| Memoranda: | ||
| Average total assets | $3,421,774,250 | 268 |
| Average earning assets | $3,181,077,000 | 265 |
| Average equity | $460,017,500 | 232 |
| Average total loans | $2,788,044,000 | 239 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 498 |
| Cost of funding earning assets | 0.3079% | 4,037 |
| Net interest margin | 4.7845% | 380 |
| Noninterest income to average assets | 0.4928% | 3,244 |
| Noninterest expense to average assets | 2.7239% | 3,294 |
| Loan and lease loss provision to assets | 0.1636% | 1,379 |
| Net operating income to assets | 1.2488% | 1,432 |
| Return on assets (ROA) | 1.2904% | 1,407 |
| Pretax return on assets | 2.1179% | 451 |
| Return on Equity (ROE) | 9.5956% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.5956% | 688 |
| Net charge-offs to loans | 0.0798% | 2,054 |
| Credit loss provision to net charge-offs | 252.9412% | 1,091 |
| Earnings coverage of net charge-offs (x) | 34.2652% | 1,281 |
| Efficiency ratio | 53.9291% | 5,317 |
| Assets per employee ($millions) | 8.1898% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 5,619 |
| Loan loss allowance to noncurrent loans | 466.6420% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,976 |
| Noncurrent loans to loans | 0.1386% | 4,881 |
| Net loans and leases to total assets | 80.9882% | 757 |
| Net loans and leases to deposits | 98.6095% | 824 |
| Net loans and leases to core deposits | 110.7611% | 891 |
| Total domestic deposits to total assets | 82.1302% | 3,967 |
| Equity capital to assets | 13.7544% | 1,120 |
| Core capital (leverage) ratio | 11.1650% | 2,268 |
| Tier 1 risk-based capital ratio | 12.3152% | 4,637 |
| Total risk-based capital ratio | 12.9448% | 4,933 |
| Memoranda: | ||
| Average total assets | $3,311,559,000 | 275 |
| Average earning assets | $3,078,299,000 | 271 |
| Average equity | $445,350,330 | 238 |
| Average total loans | $2,684,109,330 | 247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 502 |
| Cost of funding earning assets | 0.3260% | 3,888 |
| Net interest margin | 4.7641% | 385 |
| Noninterest income to average assets | 0.5367% | 2,887 |
| Noninterest expense to average assets | 2.8031% | 3,055 |
| Loan and lease loss provision to assets | 0.1413% | 1,491 |
| Net operating income to assets | 1.2032% | 1,546 |
| Return on assets (ROA) | 1.2473% | 1,513 |
| Pretax return on assets | 2.0911% | 475 |
| Return on Equity (ROE) | 9.3961% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.3961% | 1,005 |
| Net charge-offs to loans | -0.0028% | 4,168 |
| Credit loss provision to net charge-offs | -6,222.2222% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5646% | 5,233 |
| Assets per employee ($millions) | 8.3699% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 5,677 |
| Loan loss allowance to noncurrent loans | 382.6457% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 4,892 |
| Noncurrent loans to loans | 0.1687% | 4,816 |
| Net loans and leases to total assets | 79.8449% | 836 |
| Net loans and leases to deposits | 97.1849% | 824 |
| Net loans and leases to core deposits | 107.2169% | 1,007 |
| Total domestic deposits to total assets | 82.1577% | 4,168 |
| Equity capital to assets | 13.5610% | 1,153 |
| Core capital (leverage) ratio | 11.8015% | 1,746 |
| Tier 1 risk-based capital ratio | 12.1919% | 4,782 |
| Total risk-based capital ratio | 12.8111% | 5,099 |
| Memoranda: | ||
| Average total assets | $3,169,680,500 | 284 |
| Average earning assets | $2,947,277,500 | 279 |
| Average equity | $420,768,500 | 246 |
| Average total loans | $2,560,796,500 | 253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 754 |
| Cost of funding earning assets | 0.3378% | 3,815 |
| Net interest margin | 4.5708% | 583 |
| Noninterest income to average assets | 0.5397% | 3,078 |
| Noninterest expense to average assets | 2.7343% | 3,470 |
| Loan and lease loss provision to assets | 0.2491% | 763 |
| Net operating income to assets | 1.1356% | 1,788 |
| Return on assets (ROA) | 1.1428% | 1,824 |
| Pretax return on assets | 1.8403% | 741 |
| Return on Equity (ROE) | 9.1010% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.1010% | 633 |
| Net charge-offs to loans | 0.0634% | 2,957 |
| Credit loss provision to net charge-offs | 491.5073% | 646 |
| Earnings coverage of net charge-offs (x) | 41.0115% | 1,153 |
| Efficiency ratio | 55.7323% | 5,369 |
| Assets per employee ($millions) | 8.3800% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,497 |
| Loan loss allowance to noncurrent loans | 436.3064% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,868 |
| Noncurrent loans to loans | 0.1754% | 4,788 |
| Net loans and leases to total assets | 80.7134% | 747 |
| Net loans and leases to deposits | 101.9128% | 544 |
| Net loans and leases to core deposits | 114.9088% | 640 |
| Total domestic deposits to total assets | 79.1985% | 4,934 |
| Equity capital to assets | 12.9089% | 1,392 |
| Core capital (leverage) ratio | 11.4148% | 2,030 |
| Tier 1 risk-based capital ratio | 12.3474% | 4,732 |
| Total risk-based capital ratio | 13.0741% | 4,974 |
| Memoranda: | ||
| Average total assets | $2,579,318,400 | 313 |
| Average earning assets | $2,411,178,800 | 302 |
| Average equity | $323,887,600 | 283 |
| Average total loans | $2,061,861,000 | 277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 807 |
| Cost of funding earning assets | 0.3418% | 3,838 |
| Net interest margin | 4.5345% | 607 |
| Noninterest income to average assets | 0.5132% | 3,277 |
| Noninterest expense to average assets | 2.7943% | 3,210 |
| Loan and lease loss provision to assets | 0.2491% | 686 |
| Net operating income to assets | 1.0563% | 2,191 |
| Return on assets (ROA) | 1.0662% | 2,237 |
| Pretax return on assets | 1.7237% | 1,046 |
| Return on Equity (ROE) | 8.5569% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.5569% | 1,043 |
| Net charge-offs to loans | 0.0517% | 2,869 |
| Credit loss provision to net charge-offs | 605.7692% | 561 |
| Earnings coverage of net charge-offs (x) | 47.5925% | 1,090 |
| Efficiency ratio | 57.6950% | 5,158 |
| Assets per employee ($millions) | 8.1558% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 5,634 |
| Loan loss allowance to noncurrent loans | 394.2613% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 5,044 |
| Noncurrent loans to loans | 0.1889% | 4,891 |
| Net loans and leases to total assets | 79.4659% | 889 |
| Net loans and leases to deposits | 100.0772% | 659 |
| Net loans and leases to core deposits | 112.1884% | 753 |
| Total domestic deposits to total assets | 79.4046% | 4,885 |
| Equity capital to assets | 12.9347% | 1,483 |
| Core capital (leverage) ratio | 11.4356% | 2,094 |
| Tier 1 risk-based capital ratio | 12.5386% | 4,733 |
| Total risk-based capital ratio | 13.2495% | 5,001 |
| Memoranda: | ||
| Average total assets | $2,528,612,000 | 321 |
| Average earning assets | $2,363,596,250 | 310 |
| Average equity | $315,073,750 | 299 |
| Average total loans | $2,011,606,250 | 285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 706 |
| Cost of funding earning assets | 0.3467% | 3,850 |
| Net interest margin | 4.5702% | 554 |
| Noninterest income to average assets | 0.4399% | 3,774 |
| Noninterest expense to average assets | 2.9543% | 2,700 |
| Loan and lease loss provision to assets | 0.2967% | 523 |
| Net operating income to assets | 0.9090% | 2,824 |
| Return on assets (ROA) | 0.9222% | 2,895 |
| Pretax return on assets | 1.4787% | 1,707 |
| Return on Equity (ROE) | 7.5054% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.5054% | 1,475 |
| Net charge-offs to loans | 0.0779% | 2,274 |
| Credit loss provision to net charge-offs | 480.0786% | 647 |
| Earnings coverage of net charge-offs (x) | 28.3906% | 1,422 |
| Efficiency ratio | 61.6040% | 4,742 |
| Assets per employee ($millions) | 7.9910% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,788 |
| Loan loss allowance to noncurrent loans | 345.3797% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 5,093 |
| Noncurrent loans to loans | 0.2064% | 4,944 |
| Net loans and leases to total assets | 80.0088% | 799 |
| Net loans and leases to deposits | 99.8669% | 670 |
| Net loans and leases to core deposits | 113.4265% | 693 |
| Total domestic deposits to total assets | 80.1154% | 4,838 |
| Equity capital to assets | 12.9437% | 1,433 |
| Core capital (leverage) ratio | 10.9531% | 2,479 |
| Tier 1 risk-based capital ratio | 12.3899% | 4,884 |
| Total risk-based capital ratio | 13.0680% | 5,170 |
| Memoranda: | ||
| Average total assets | $2,468,910,330 | 331 |
| Average earning assets | $2,306,297,670 | 317 |
| Average equity | $303,353,000 | 307 |
| Average total loans | $1,959,523,000 | 288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 909 |
| Cost of funding earning assets | 0.3571% | 3,785 |
| Net interest margin | 4.4122% | 711 |
| Noninterest income to average assets | 0.2132% | 5,426 |
| Noninterest expense to average assets | 3.3109% | 1,697 |
| Loan and lease loss provision to assets | 0.3064% | 466 |
| Net operating income to assets | 0.4467% | 4,890 |
| Return on assets (ROA) | 0.4591% | 4,953 |
| Pretax return on assets | 0.7401% | 4,467 |
| Return on Equity (ROE) | 3.8500% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.8500% | 3,690 |
| Net charge-offs to loans | 0.0815% | 1,892 |
| Credit loss provision to net charge-offs | 477.8068% | 572 |
| Earnings coverage of net charge-offs (x) | 16.0157% | 1,594 |
| Efficiency ratio | 75.1110% | 2,643 |
| Assets per employee ($millions) | 7.9997% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 6,000 |
| Loan loss allowance to noncurrent loans | 293.6518% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 5,133 |
| Noncurrent loans to loans | 0.2180% | 4,997 |
| Net loans and leases to total assets | 77.1797% | 1,032 |
| Net loans and leases to deposits | 102.8184% | 425 |
| Net loans and leases to core deposits | 113.3872% | 597 |
| Total domestic deposits to total assets | 75.0641% | 5,823 |
| Equity capital to assets | 11.7385% | 2,251 |
| Core capital (leverage) ratio | 11.0268% | 2,389 |
| Tier 1 risk-based capital ratio | 11.4586% | 5,581 |
| Total risk-based capital ratio | 12.0652% | 5,815 |
| Memoranda: | ||
| Average total assets | $2,388,847,500 | 335 |
| Average earning assets | $2,233,254,500 | 326 |
| Average equity | $284,882,000 | 321 |
| Average total loans | $1,880,004,500 | 294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 1,589 |
| Cost of funding earning assets | 0.3499% | 4,255 |
| Net interest margin | 4.2397% | 1,187 |
| Noninterest income to average assets | 0.6210% | 2,733 |
| Noninterest expense to average assets | 2.8089% | 3,448 |
| Loan and lease loss provision to assets | 0.2483% | 926 |
| Net operating income to assets | 0.9388% | 2,683 |
| Return on assets (ROA) | 0.9922% | 2,496 |
| Pretax return on assets | 1.6280% | 1,155 |
| Return on Equity (ROE) | 8.8486% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.6806% | 1,127 |
| Net charge-offs to loans | 0.0474% | 3,879 |
| Credit loss provision to net charge-offs | 684.7953% | 386 |
| Earnings coverage of net charge-offs (x) | 49.4474% | 932 |
| Efficiency ratio | 59.8733% | 5,241 |
| Assets per employee ($millions) | 7.1612% | 776 |
| Cash dividends to net income (ytd only)* | 13.1998% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 5,882 |
| Loan loss allowance to noncurrent loans | 831.0627% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,539 |
| Noncurrent loans to loans | 0.0901% | 5,527 |
| Net loans and leases to total assets | 79.4785% | 811 |
| Net loans and leases to deposits | 97.7529% | 782 |
| Net loans and leases to core deposits | 108.8095% | 838 |
| Total domestic deposits to total assets | 81.3055% | 4,654 |
| Equity capital to assets | 12.1777% | 1,885 |
| Core capital (leverage) ratio | 11.2906% | 2,145 |
| Tier 1 risk-based capital ratio | 12.7471% | 4,890 |
| Total risk-based capital ratio | 13.4721% | 5,123 |
| Memoranda: | ||
| Average total assets | $1,886,634,800 | 387 |
| Average earning assets | $1,771,315,600 | 377 |
| Average equity | $211,558,600 | 386 |
| Average total loans | $1,442,407,200 | 343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 1,827 |
| Cost of funding earning assets | 0.3381% | 4,488 |
| Net interest margin | 4.1739% | 1,367 |
| Noninterest income to average assets | 0.5670% | 3,086 |
| Noninterest expense to average assets | 2.6903% | 3,856 |
| Loan and lease loss provision to assets | 0.2352% | 937 |
| Net operating income to assets | 0.9613% | 2,638 |
| Return on assets (ROA) | 0.9867% | 2,580 |
| Pretax return on assets | 1.5992% | 1,326 |
| Return on Equity (ROE) | 9.0124% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.3857% | 1,631 |
| Net charge-offs to loans | 0.0665% | 3,250 |
| Credit loss provision to net charge-offs | 468.8218% | 608 |
| Earnings coverage of net charge-offs (x) | 35.7743% | 1,211 |
| Efficiency ratio | 58.7626% | 5,339 |
| Assets per employee ($millions) | 7.8060% | 558 |
| Cash dividends to net income (ytd only)* | 18.0496% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 6,114 |
| Loan loss allowance to noncurrent loans | 604.2088% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,664 |
| Noncurrent loans to loans | 0.1151% | 5,582 |
| Net loans and leases to total assets | 75.7428% | 1,255 |
| Net loans and leases to deposits | 97.8629% | 745 |
| Net loans and leases to core deposits | 108.0150% | 851 |
| Total domestic deposits to total assets | 77.3968% | 5,616 |
| Equity capital to assets | 11.9339% | 2,117 |
| Core capital (leverage) ratio | 11.4774% | 2,084 |
| Tier 1 risk-based capital ratio | 12.7665% | 4,997 |
| Total risk-based capital ratio | 13.4211% | 5,302 |
| Memoranda: | ||
| Average total assets | $1,849,847,000 | 391 |
| Average earning assets | $1,736,406,500 | 376 |
| Average equity | $202,531,000 | 398 |
| Average total loans | $1,395,853,500 | 347 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,944 |
| Cost of funding earning assets | 0.3315% | 4,628 |
| Net interest margin | 4.1342% | 1,414 |
| Noninterest income to average assets | 0.4529% | 3,855 |
| Noninterest expense to average assets | 2.7321% | 3,753 |
| Loan and lease loss provision to assets | 0.2211% | 1,048 |
| Net operating income to assets | 0.8536% | 3,052 |
| Return on assets (ROA) | 0.8667% | 3,059 |
| Pretax return on assets | 1.3958% | 1,902 |
| Return on Equity (ROE) | 8.1952% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.5846% | 2,592 |
| Net charge-offs to loans | 0.0663% | 3,042 |
| Credit loss provision to net charge-offs | 443.7220% | 642 |
| Earnings coverage of net charge-offs (x) | 32.0359% | 1,202 |
| Efficiency ratio | 61.8095% | 5,040 |
| Assets per employee ($millions) | 7.5809% | 595 |
| Cash dividends to net income (ytd only)* | 31.8551% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 6,225 |
| Loan loss allowance to noncurrent loans | 501.4426% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 5,731 |
| Noncurrent loans to loans | 0.1323% | 5,609 |
| Net loans and leases to total assets | 75.9678% | 1,174 |
| Net loans and leases to deposits | 100.3181% | 542 |
| Net loans and leases to core deposits | 107.9492% | 769 |
| Total domestic deposits to total assets | 75.7269% | 5,948 |
| Equity capital to assets | 10.2278% | 3,791 |
| Core capital (leverage) ratio | 9.8527% | 3,811 |
| Tier 1 risk-based capital ratio | 10.8271% | 6,119 |
| Total risk-based capital ratio | 11.4644% | 6,293 |
| Memoranda: | ||
| Average total assets | $1,789,946,000 | 397 |
| Average earning assets | $1,678,040,670 | 383 |
| Average equity | $189,306,330 | 416 |
| Average total loans | $1,345,136,670 | 353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,845 |
| Cost of funding earning assets | 0.3256% | 4,787 |
| Net interest margin | 4.1629% | 1,310 |
| Noninterest income to average assets | 0.4223% | 4,010 |
| Noninterest expense to average assets | 3.0504% | 2,695 |
| Loan and lease loss provision to assets | 0.2199% | 1,032 |
| Net operating income to assets | 0.6610% | 3,887 |
| Return on assets (ROA) | 0.6721% | 3,915 |
| Pretax return on assets | 1.0719% | 3,024 |
| Return on Equity (ROE) | 6.2407% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.2407% | 2,413 |
| Net charge-offs to loans | 0.1445% | 1,858 |
| Credit loss provision to net charge-offs | 204.5259% | 1,022 |
| Earnings coverage of net charge-offs (x) | 11.8513% | 1,753 |
| Efficiency ratio | 69.1710% | 3,972 |
| Assets per employee ($millions) | 7.2566% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 6,335 |
| Loan loss allowance to noncurrent loans | 324.7943% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 5,632 |
| Noncurrent loans to loans | 0.2018% | 5,488 |
| Net loans and leases to total assets | 75.6031% | 1,050 |
| Net loans and leases to deposits | 91.4353% | 998 |
| Net loans and leases to core deposits | 97.5764% | 1,268 |
| Total domestic deposits to total assets | 82.6848% | 4,721 |
| Equity capital to assets | 11.0658% | 2,666 |
| Core capital (leverage) ratio | 10.2589% | 3,209 |
| Tier 1 risk-based capital ratio | 12.0623% | 5,604 |
| Total risk-based capital ratio | 12.7118% | 5,887 |
| Memoranda: | ||
| Average total assets | $1,725,937,000 | 408 |
| Average earning assets | $1,617,994,000 | 396 |
| Average equity | $185,876,500 | 420 |
| Average total loans | $1,284,321,000 | 363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 1,925 |
| Cost of funding earning assets | 0.3640% | 5,011 |
| Net interest margin | 4.2176% | 1,305 |
| Noninterest income to average assets | 0.4470% | 4,106 |
| Noninterest expense to average assets | 3.2439% | 2,297 |
| Loan and lease loss provision to assets | 0.1256% | 2,743 |
| Net operating income to assets | 0.6488% | 4,037 |
| Return on assets (ROA) | 0.7154% | 3,807 |
| Pretax return on assets | 1.1487% | 2,777 |
| Return on Equity (ROE) | 6.4464% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.4464% | 1,717 |
| Net charge-offs to loans | 0.1538% | 3,268 |
| Credit loss provision to net charge-offs | 112.4547% | 2,146 |
| Earnings coverage of net charge-offs (x) | 10.4746% | 2,359 |
| Efficiency ratio | 72.3190% | 3,412 |
| Assets per employee ($millions) | 7.4361% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 6,406 |
| Loan loss allowance to noncurrent loans | 364.2825% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 5,694 |
| Noncurrent loans to loans | 0.1811% | 5,661 |
| Net loans and leases to total assets | 72.2138% | 1,652 |
| Net loans and leases to deposits | 94.1127% | 869 |
| Net loans and leases to core deposits | 99.6207% | 1,188 |
| Total domestic deposits to total assets | 76.7312% | 6,019 |
| Equity capital to assets | 10.4680% | 3,206 |
| Core capital (leverage) ratio | 10.1110% | 3,414 |
| Tier 1 risk-based capital ratio | 12.3681% | 5,386 |
| Total risk-based capital ratio | 13.0001% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,480,408,200 | 459 |
| Average earning assets | $1,392,516,600 | 442 |
| Average equity | $164,292,400 | 457 |
| Average total loans | $1,075,164,200 | 407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,044 |
| Cost of funding earning assets | 0.3818% | 4,983 |
| Net interest margin | 4.1662% | 1,437 |
| Noninterest income to average assets | 0.4080% | 4,476 |
| Noninterest expense to average assets | 3.4125% | 1,798 |
| Loan and lease loss provision to assets | 0.1184% | 2,817 |
| Net operating income to assets | 0.4954% | 4,815 |
| Return on assets (ROA) | 0.5766% | 4,578 |
| Pretax return on assets | 0.9245% | 3,783 |
| Return on Equity (ROE) | 5.1088% | 4,671 |
| Retained earnings to average equity (ytd only) | 5.1088% | 3,000 |
| Net charge-offs to loans | 0.1631% | 2,929 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 7.7334% | 2,745 |
| Efficiency ratio | 77.7330% | 2,457 |
| Assets per employee ($millions) | 6.6880% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 6,441 |
| Loan loss allowance to noncurrent loans | 693.3218% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,993 |
| Noncurrent loans to loans | 0.1010% | 6,028 |
| Net loans and leases to total assets | 72.4696% | 1,532 |
| Net loans and leases to deposits | 87.9558% | 1,366 |
| Net loans and leases to core deposits | 91.6786% | 1,796 |
| Total domestic deposits to total assets | 82.3932% | 4,795 |
| Equity capital to assets | 11.1845% | 2,579 |
| Core capital (leverage) ratio | 10.0212% | 3,653 |
| Tier 1 risk-based capital ratio | 13.2781% | 4,917 |
| Total risk-based capital ratio | 13.9592% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,422,936,250 | 475 |
| Average earning assets | $1,339,002,750 | 461 |
| Average equity | $160,607,000 | 473 |
| Average total loans | $1,033,137,750 | 423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 2,159 |
| Cost of funding earning assets | 0.3921% | 5,014 |
| Net interest margin | 4.1198% | 1,491 |
| Noninterest income to average assets | 0.3488% | 4,899 |
| Noninterest expense to average assets | 3.6415% | 1,351 |
| Loan and lease loss provision to assets | 0.0899% | 3,288 |
| Net operating income to assets | 0.3136% | 5,553 |
| Return on assets (ROA) | 0.4097% | 5,346 |
| Pretax return on assets | 0.6527% | 4,834 |
| Return on Equity (ROE) | 3.6175% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.6175% | 4,015 |
| Net charge-offs to loans | 0.1240% | 3,136 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 6.5922% | 2,692 |
| Efficiency ratio | 85.1271% | 1,513 |
| Assets per employee ($millions) | 7.2293% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 6,425 |
| Loan loss allowance to noncurrent loans | 393.4055% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 5,443 |
| Noncurrent loans to loans | 0.1919% | 5,834 |
| Net loans and leases to total assets | 67.6227% | 2,317 |
| Net loans and leases to deposits | 79.6944% | 2,367 |
| Net loans and leases to core deposits | 83.6526% | 2,607 |
| Total domestic deposits to total assets | 84.8526% | 3,963 |
| Equity capital to assets | 11.1099% | 2,648 |
| Core capital (leverage) ratio | 10.9673% | 2,390 |
| Tier 1 risk-based capital ratio | 13.3425% | 4,886 |
| Total risk-based capital ratio | 14.0676% | 5,207 |
| Memoranda: | ||
| Average total assets | $1,375,581,000 | 494 |
| Average earning assets | $1,297,186,000 | 472 |
| Average equity | $155,797,000 | 483 |
| Average total loans | $996,802,000 | 427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,561 |
| Cost of funding earning assets | 0.4164% | 4,944 |
| Net interest margin | 4.2752% | 1,015 |
| Noninterest income to average assets | 0.5150% | 3,679 |
| Noninterest expense to average assets | 3.2057% | 2,337 |
| Loan and lease loss provision to assets | 0.0921% | 3,123 |
| Net operating income to assets | 0.7800% | 3,281 |
| Return on assets (ROA) | 0.7740% | 3,450 |
| Pretax return on assets | 1.2564% | 2,392 |
| Return on Equity (ROE) | 6.7564% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.7564% | 2,278 |
| Net charge-offs to loans | 0.1226% | 2,688 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,438 |
| Efficiency ratio | 69.6197% | 4,034 |
| Assets per employee ($millions) | 6.8117% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,375 |
| Loan loss allowance to noncurrent loans | 257.7878% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 5,148 |
| Noncurrent loans to loans | 0.3280% | 5,581 |
| Net loans and leases to total assets | 66.8099% | 2,229 |
| Net loans and leases to deposits | 78.8571% | 2,233 |
| Net loans and leases to core deposits | 83.3407% | 2,421 |
| Total domestic deposits to total assets | 84.7227% | 4,169 |
| Equity capital to assets | 11.4845% | 2,425 |
| Core capital (leverage) ratio | 12.5492% | 1,316 |
| Tier 1 risk-based capital ratio | 14.4341% | 4,219 |
| Total risk-based capital ratio | 15.2264% | 4,483 |
| Memoranda: | ||
| Average total assets | $1,286,226,500 | 515 |
| Average earning assets | $1,218,012,000 | 496 |
| Average equity | $147,355,500 | 509 |
| Average total loans | $965,679,500 | 439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 774 |
| Cost of funding earning assets | 0.6905% | 3,569 |
| Net interest margin | 4.7018% | 645 |
| Noninterest income to average assets | 0.8092% | 2,225 |
| Noninterest expense to average assets | 2.7438% | 4,237 |
| Loan and lease loss provision to assets | 0.0715% | 4,839 |
| Net operating income to assets | 1.4732% | 972 |
| Return on assets (ROA) | 1.5825% | 862 |
| Pretax return on assets | 2.5899% | 226 |
| Return on Equity (ROE) | 15.7995% | 684 |
| Retained earnings to average equity (ytd only) | 15.0391% | 157 |
| Net charge-offs to loans | 0.1567% | 4,134 |
| Credit loss provision to net charge-offs | 58.7177% | 4,481 |
| Earnings coverage of net charge-offs (x) | 20.4519% | 1,353 |
| Efficiency ratio | 52.4192% | 6,429 |
| Assets per employee ($millions) | 6.4245% | 1,041 |
| Cash dividends to net income (ytd only)* | 4.8132% | 4,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 6,467 |
| Loan loss allowance to noncurrent loans | 362.3753% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 5,060 |
| Noncurrent loans to loans | 0.2238% | 5,918 |
| Net loans and leases to total assets | 83.6342% | 238 |
| Net loans and leases to deposits | 107.0071% | 203 |
| Net loans and leases to core deposits | 113.9297% | 417 |
| Total domestic deposits to total assets | 78.1576% | 6,055 |
| Equity capital to assets | 11.4228% | 2,513 |
| Core capital (leverage) ratio | 12.0689% | 1,531 |
| Tier 1 risk-based capital ratio | 12.9867% | 5,112 |
| Total risk-based capital ratio | 13.7911% | 5,398 |
| Memoranda: | ||
| Average total assets | $1,050,292,400 | 629 |
| Average earning assets | $988,502,800 | 594 |
| Average equity | $105,199,400 | 674 |
| Average total loans | $816,311,200 | 502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 775 |
| Cost of funding earning assets | 0.7471% | 3,374 |
| Net interest margin | 4.6881% | 685 |
| Noninterest income to average assets | 0.9152% | 1,778 |
| Noninterest expense to average assets | 2.7339% | 4,241 |
| Loan and lease loss provision to assets | 0.0189% | 5,564 |
| Net operating income to assets | 1.5631% | 929 |
| Return on assets (ROA) | 1.6395% | 859 |
| Pretax return on assets | 2.6816% | 223 |
| Return on Equity (ROE) | 17.0541% | 604 |
| Retained earnings to average equity (ytd only) | 15.9669% | 194 |
| Net charge-offs to loans | 0.1738% | 3,714 |
| Credit loss provision to net charge-offs | 14.3707% | 5,026 |
| Earnings coverage of net charge-offs (x) | 19.5818% | 1,488 |
| Efficiency ratio | 51.4355% | 6,498 |
| Assets per employee ($millions) | 5.7998% | 1,375 |
| Cash dividends to net income (ytd only)* | 6.3750% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 6,418 |
| Loan loss allowance to noncurrent loans | 127.4846% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 3,770 |
| Noncurrent loans to loans | 0.6952% | 5,048 |
| Net loans and leases to total assets | 78.9665% | 612 |
| Net loans and leases to deposits | 95.1445% | 715 |
| Net loans and leases to core deposits | 102.0895% | 976 |
| Total domestic deposits to total assets | 82.9964% | 4,641 |
| Equity capital to assets | 9.6574% | 4,977 |
| Core capital (leverage) ratio | 9.4774% | 4,305 |
| Tier 1 risk-based capital ratio | 11.0382% | 6,462 |
| Total risk-based capital ratio | 11.8845% | 6,609 |
| Memoranda: | ||
| Average total assets | $1,020,552,500 | 654 |
| Average earning assets | $957,837,750 | 625 |
| Average equity | $98,109,000 | 727 |
| Average total loans | $773,917,000 | 520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 848 |
| Cost of funding earning assets | 0.7844% | 3,326 |
| Net interest margin | 4.6288% | 786 |
| Noninterest income to average assets | 1.2534% | 909 |
| Noninterest expense to average assets | 2.7021% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7604% | 602 |
| Return on assets (ROA) | 1.7722% | 664 |
| Pretax return on assets | 2.9105% | 170 |
| Return on Equity (ROE) | 18.4654% | 455 |
| Retained earnings to average equity (ytd only) | 16.7970% | 192 |
| Net charge-offs to loans | 0.2323% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.7234% | 1,573 |
| Efficiency ratio | 48.3023% | 6,758 |
| Assets per employee ($millions) | 6.0943% | 1,171 |
| Cash dividends to net income (ytd only)* | 9.0355% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,293 |
| Loan loss allowance to noncurrent loans | 90.8854% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 2,938 |
| Noncurrent loans to loans | 1.0563% | 4,403 |
| Net loans and leases to total assets | 74.5057% | 1,174 |
| Net loans and leases to deposits | 86.2217% | 1,571 |
| Net loans and leases to core deposits | 92.5962% | 1,718 |
| Total domestic deposits to total assets | 86.4118% | 3,134 |
| Equity capital to assets | 9.5102% | 5,041 |
| Core capital (leverage) ratio | 9.4841% | 4,160 |
| Tier 1 risk-based capital ratio | 11.2838% | 6,345 |
| Total risk-based capital ratio | 12.1831% | 6,509 |
| Memoranda: | ||
| Average total assets | $999,215,000 | 669 |
| Average earning assets | $937,046,000 | 643 |
| Average equity | $95,898,330 | 741 |
| Average total loans | $743,855,670 | 552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 981 |
| Cost of funding earning assets | 0.8754% | 2,867 |
| Net interest margin | 4.4860% | 1,039 |
| Noninterest income to average assets | 0.2721% | 5,695 |
| Noninterest expense to average assets | 2.5608% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1921% | 1,757 |
| Return on assets (ROA) | 1.1823% | 1,969 |
| Pretax return on assets | 1.9116% | 860 |
| Return on Equity (ROE) | 12.2581% | 1,597 |
| Retained earnings to average equity (ytd only) | 12.2581% | 787 |
| Net charge-offs to loans | 0.2265% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.4926% | 1,667 |
| Efficiency ratio | 57.0627% | 6,028 |
| Assets per employee ($millions) | 6.4096% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,647 |
| Loan loss allowance to noncurrent loans | 219.5887% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 4,983 |
| Noncurrent loans to loans | 0.5316% | 5,601 |
| Net loans and leases to total assets | 70.0682% | 1,739 |
| Net loans and leases to deposits | 81.0334% | 2,057 |
| Net loans and leases to core deposits | 85.6641% | 2,330 |
| Total domestic deposits to total assets | 86.4683% | 3,265 |
| Equity capital to assets | 9.6766% | 4,555 |
| Core capital (leverage) ratio | 9.4895% | 4,065 |
| Tier 1 risk-based capital ratio | 12.5387% | 5,574 |
| Total risk-based capital ratio | 13.6634% | 5,637 |
| Memoranda: | ||
| Average total assets | $968,619,500 | 685 |
| Average earning assets | $910,209,000 | 658 |
| Average equity | $93,424,000 | 751 |
| Average total loans | $716,923,000 | 568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 476 |
| Cost of funding earning assets | 1.0839% | 2,779 |
| Net interest margin | 4.8589% | 560 |
| Noninterest income to average assets | 0.3254% | 5,215 |
| Noninterest expense to average assets | 2.6681% | 4,858 |
| Loan and lease loss provision to assets | 0.3540% | 2,882 |
| Net operating income to assets | 1.1361% | 1,704 |
| Return on assets (ROA) | 1.2039% | 1,612 |
| Pretax return on assets | 1.9391% | 613 |
| Return on Equity (ROE) | 12.7069% | 1,231 |
| Retained earnings to average equity (ytd only) | 8.7464% | 869 |
| Net charge-offs to loans | 0.5242% | 2,898 |
| Credit loss provision to net charge-offs | 90.1163% | 3,997 |
| Earnings coverage of net charge-offs (x) | 5.5678% | 2,750 |
| Efficiency ratio | 54.9515% | 6,429 |
| Assets per employee ($millions) | 6.4199% | 997 |
| Cash dividends to net income (ytd only)* | 31.1681% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,611 |
| Loan loss allowance to noncurrent loans | 139.8654% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 4,609 |
| Noncurrent loans to loans | 0.8250% | 5,038 |
| Net loans and leases to total assets | 76.3218% | 905 |
| Net loans and leases to deposits | 87.7285% | 1,420 |
| Net loans and leases to core deposits | 93.0664% | 1,791 |
| Total domestic deposits to total assets | 86.9977% | 2,765 |
| Equity capital to assets | 9.6127% | 4,727 |
| Core capital (leverage) ratio | 9.4359% | 4,131 |
| Tier 1 risk-based capital ratio | 11.6813% | 6,035 |
| Total risk-based capital ratio | 12.8107% | 6,109 |
| Memoranda: | ||
| Average total assets | $919,457,000 | 710 |
| Average earning assets | $857,218,800 | 682 |
| Average equity | $87,110,200 | 773 |
| Average total loans | $689,105,800 | 599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 553 |
| Cost of funding earning assets | 1.1320% | 2,758 |
| Net interest margin | 4.7743% | 657 |
| Noninterest income to average assets | 0.5542% | 3,481 |
| Noninterest expense to average assets | 2.7282% | 4,621 |
| Loan and lease loss provision to assets | 0.3996% | 2,455 |
| Net operating income to assets | 1.1564% | 1,792 |
| Return on assets (ROA) | 1.2302% | 1,679 |
| Pretax return on assets | 1.9858% | 643 |
| Return on Equity (ROE) | 13.0350% | 1,267 |
| Retained earnings to average equity (ytd only) | 7.6801% | 1,634 |
| Net charge-offs to loans | 0.6078% | 2,428 |
| Credit loss provision to net charge-offs | 88.4279% | 3,823 |
| Earnings coverage of net charge-offs (x) | 5.0233% | 2,895 |
| Efficiency ratio | 54.5822% | 6,433 |
| Assets per employee ($millions) | 6.0758% | 1,162 |
| Cash dividends to net income (ytd only)* | 41.0813% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,636 |
| Loan loss allowance to noncurrent loans | 91.0762% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 3,710 |
| Noncurrent loans to loans | 1.2740% | 4,401 |
| Net loans and leases to total assets | 78.6072% | 648 |
| Net loans and leases to deposits | 90.5852% | 1,147 |
| Net loans and leases to core deposits | 95.3414% | 1,669 |
| Total domestic deposits to total assets | 86.7770% | 2,785 |
| Equity capital to assets | 9.6885% | 4,794 |
| Core capital (leverage) ratio | 9.2857% | 4,474 |
| Tier 1 risk-based capital ratio | 11.5666% | 6,200 |
| Total risk-based capital ratio | 12.7143% | 6,258 |
| Memoranda: | ||
| Average total assets | $910,180,250 | 725 |
| Average earning assets | $847,244,500 | 700 |
| Average equity | $85,899,750 | 789 |
| Average total loans | $676,735,000 | 613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 614 |
| Cost of funding earning assets | 1.1762% | 2,731 |
| Net interest margin | 4.6989% | 730 |
| Noninterest income to average assets | 0.7793% | 2,115 |
| Noninterest expense to average assets | 2.7829% | 4,493 |
| Loan and lease loss provision to assets | 0.3105% | 2,930 |
| Net operating income to assets | 1.2709% | 1,394 |
| Return on assets (ROA) | 1.2869% | 1,419 |
| Pretax return on assets | 2.0812% | 509 |
| Return on Equity (ROE) | 13.7602% | 1,028 |
| Retained earnings to average equity (ytd only) | 5.6146% | 2,636 |
| Net charge-offs to loans | 0.5378% | 2,480 |
| Credit loss provision to net charge-offs | 79.5249% | 3,787 |
| Earnings coverage of net charge-offs (x) | 6.0622% | 2,479 |
| Efficiency ratio | 54.0414% | 6,618 |
| Assets per employee ($millions) | 5.9335% | 1,223 |
| Cash dividends to net income (ytd only)* | 59.1970% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,532 |
| Loan loss allowance to noncurrent loans | 78.2237% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9274% | 3,340 |
| Noncurrent loans to loans | 1.5376% | 4,106 |
| Net loans and leases to total assets | 74.1526% | 1,385 |
| Net loans and leases to deposits | 85.4183% | 1,871 |
| Net loans and leases to core deposits | 89.8481% | 2,391 |
| Total domestic deposits to total assets | 86.8112% | 2,850 |
| Equity capital to assets | 9.1761% | 5,315 |
| Core capital (leverage) ratio | 8.8011% | 5,046 |
| Tier 1 risk-based capital ratio | 11.6824% | 6,025 |
| Total risk-based capital ratio | 12.8774% | 6,065 |
| Memoranda: | ||
| Average total assets | $905,734,000 | 734 |
| Average earning assets | $842,405,670 | 716 |
| Average equity | $84,708,000 | 797 |
| Average total loans | $657,488,670 | 646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 796 |
| Cost of funding earning assets | 1.2404% | 2,566 |
| Net interest margin | 4.5152% | 1,037 |
| Noninterest income to average assets | 2.2055% | 316 |
| Noninterest expense to average assets | 2.6890% | 4,881 |
| Loan and lease loss provision to assets | 0.0478% | 5,402 |
| Net operating income to assets | 2.2208% | 252 |
| Return on assets (ROA) | 2.2064% | 272 |
| Pretax return on assets | 3.6442% | 119 |
| Return on Equity (ROE) | 23.3572% | 200 |
| Retained earnings to average equity (ytd only) | 6.8849% | 2,196 |
| Net charge-offs to loans | 0.0671% | 4,252 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 77.6981% | 401 |
| Efficiency ratio | 41.9918% | 7,345 |
| Assets per employee ($millions) | 6.1402% | 1,113 |
| Cash dividends to net income (ytd only)* | 70.5233% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,302 |
| Loan loss allowance to noncurrent loans | 42.9976% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.6670% | 1,849 |
| Noncurrent loans to loans | 2.9502% | 2,548 |
| Net loans and leases to total assets | 72.6119% | 1,588 |
| Net loans and leases to deposits | 82.7821% | 2,219 |
| Net loans and leases to core deposits | 86.7891% | 2,760 |
| Total domestic deposits to total assets | 87.7146% | 2,548 |
| Equity capital to assets | 8.8736% | 5,389 |
| Core capital (leverage) ratio | 9.1040% | 4,442 |
| Tier 1 risk-based capital ratio | 10.4992% | 6,803 |
| Total risk-based capital ratio | 11.6528% | 6,846 |
| Memoranda: | ||
| Average total assets | $886,885,500 | 757 |
| Average earning assets | $824,599,000 | 738 |
| Average equity | $83,777,000 | 791 |
| Average total loans | $632,185,000 | 679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 2,067 |
| Cost of funding earning assets | 1.6591% | 1,783 |
| Net interest margin | 3.8953% | 3,513 |
| Noninterest income to average assets | -0.3783% | 7,535 |
| Noninterest expense to average assets | 2.0971% | 6,851 |
| Loan and lease loss provision to assets | 0.2617% | 4,698 |
| Net operating income to assets | 0.5916% | 3,711 |
| Return on assets (ROA) | 0.5860% | 3,896 |
| Pretax return on assets | 0.8857% | 3,352 |
| Return on Equity (ROE) | 5.8299% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.8299% | 1,916 |
| Net charge-offs to loans | 0.3794% | 4,143 |
| Credit loss provision to net charge-offs | 98.7724% | 4,682 |
| Earnings coverage of net charge-offs (x) | 4.3617% | 2,952 |
| Efficiency ratio | 64.4692% | 5,270 |
| Assets per employee ($millions) | 7.9042% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,686 |
| Loan loss allowance to noncurrent loans | 270.9490% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 5,287 |
| Noncurrent loans to loans | 0.5806% | 5,895 |
| Net loans and leases to total assets | 67.5808% | 3,080 |
| Net loans and leases to deposits | 83.8475% | 2,475 |
| Net loans and leases to core deposits | 88.9234% | 2,914 |
| Total domestic deposits to total assets | 80.5997% | 5,658 |
| Equity capital to assets | 10.1092% | 3,605 |
| Core capital (leverage) ratio | 10.2890% | 2,779 |
| Tier 1 risk-based capital ratio | 14.1219% | 3,790 |
| Total risk-based capital ratio | 15.3769% | 3,743 |
| Memoranda: | ||
| Average total assets | $799,287,200 | 846 |
| Average earning assets | $745,104,400 | 823 |
| Average equity | $80,344,600 | 823 |
| Average total loans | $558,320,800 | 808 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 2,145 |
| Cost of funding earning assets | 1.7184% | 1,779 |
| Net interest margin | 3.8606% | 3,707 |
| Noninterest income to average assets | -0.4210% | 7,661 |
| Noninterest expense to average assets | 2.0643% | 6,928 |
| Loan and lease loss provision to assets | 0.3515% | 3,798 |
| Net operating income to assets | 0.5170% | 4,228 |
| Return on assets (ROA) | 0.5003% | 4,505 |
| Pretax return on assets | 0.7327% | 4,138 |
| Return on Equity (ROE) | 4.9847% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.9847% | 3,000 |
| Net charge-offs to loans | 0.4375% | 3,548 |
| Credit loss provision to net charge-offs | 114.5047% | 3,653 |
| Earnings coverage of net charge-offs (x) | 3.6119% | 3,374 |
| Efficiency ratio | 65.0588% | 5,042 |
| Assets per employee ($millions) | 8.8737% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,301 |
| Loan loss allowance to noncurrent loans | 297.9207% | 982 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 5,012 |
| Noncurrent loans to loans | 0.5572% | 6,087 |
| Net loans and leases to total assets | 66.5480% | 3,559 |
| Net loans and leases to deposits | 82.1890% | 3,067 |
| Net loans and leases to core deposits | 86.9304% | 3,530 |
| Total domestic deposits to total assets | 80.9695% | 5,378 |
| Equity capital to assets | 10.1602% | 3,932 |
| Core capital (leverage) ratio | 10.1496% | 3,098 |
| Tier 1 risk-based capital ratio | 14.1430% | 3,729 |
| Total risk-based capital ratio | 15.3989% | 3,697 |
| Memoranda: | ||
| Average total assets | $793,600,250 | 858 |
| Average earning assets | $738,787,750 | 830 |
| Average equity | $79,655,500 | 826 |
| Average total loans | $556,796,750 | 812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 2,262 |
| Cost of funding earning assets | 1.7867% | 1,700 |
| Net interest margin | 3.7813% | 3,982 |
| Noninterest income to average assets | -0.6748% | 7,769 |
| Noninterest expense to average assets | 2.0102% | 7,090 |
| Loan and lease loss provision to assets | 0.4313% | 3,160 |
| Net operating income to assets | 0.3134% | 5,125 |
| Return on assets (ROA) | 0.2567% | 5,488 |
| Pretax return on assets | 0.3257% | 5,431 |
| Return on Equity (ROE) | 2.5688% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.5688% | 4,511 |
| Net charge-offs to loans | 0.5127% | 2,993 |
| Credit loss provision to net charge-offs | 118.4486% | 3,428 |
| Earnings coverage of net charge-offs (x) | 2.2760% | 3,868 |
| Efficiency ratio | 70.8076% | 4,016 |
| Assets per employee ($millions) | 8.3411% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 3,221 |
| Loan loss allowance to noncurrent loans | 472.1421% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 5,187 |
| Noncurrent loans to loans | 0.3517% | 6,531 |
| Net loans and leases to total assets | 68.5287% | 3,243 |
| Net loans and leases to deposits | 85.4661% | 2,609 |
| Net loans and leases to core deposits | 90.3963% | 3,200 |
| Total domestic deposits to total assets | 80.1823% | 5,676 |
| Equity capital to assets | 10.0702% | 3,925 |
| Core capital (leverage) ratio | 10.2995% | 2,821 |
| Tier 1 risk-based capital ratio | 13.8772% | 3,818 |
| Total risk-based capital ratio | 15.1316% | 3,778 |
| Memoranda: | ||
| Average total assets | $786,007,330 | 867 |
| Average earning assets | $730,383,330 | 840 |
| Average equity | $78,558,670 | 830 |
| Average total loans | $558,244,330 | 818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 2,034 |
| Cost of funding earning assets | 1.8998% | 1,448 |
| Net interest margin | 3.7291% | 4,100 |
| Noninterest income to average assets | -0.4675% | 7,854 |
| Noninterest expense to average assets | 1.9617% | 7,228 |
| Loan and lease loss provision to assets | 0.5396% | 2,346 |
| Net operating income to assets | 0.3787% | 4,939 |
| Return on assets (ROA) | 0.2846% | 5,485 |
| Pretax return on assets | 0.3715% | 5,376 |
| Return on Equity (ROE) | 2.8586% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.8586% | 4,410 |
| Net charge-offs to loans | 0.5644% | 2,390 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.5530% | 3,269 |
| Efficiency ratio | 65.5008% | 5,219 |
| Assets per employee ($millions) | 8.4799% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,149 |
| Loan loss allowance to noncurrent loans | 213.2822% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8868% | 3,653 |
| Noncurrent loans to loans | 0.7858% | 5,747 |
| Net loans and leases to total assets | 70.4778% | 2,805 |
| Net loans and leases to deposits | 87.4441% | 2,325 |
| Net loans and leases to core deposits | 92.3276% | 3,068 |
| Total domestic deposits to total assets | 80.5975% | 5,587 |
| Equity capital to assets | 10.2581% | 3,525 |
| Core capital (leverage) ratio | 10.0104% | 3,153 |
| Tier 1 risk-based capital ratio | 13.9553% | 3,688 |
| Total risk-based capital ratio | 15.2073% | 3,648 |
| Memoranda: | ||
| Average total assets | $782,809,000 | 888 |
| Average earning assets | $726,819,000 | 865 |
| Average equity | $77,939,500 | 844 |
| Average total loans | $561,270,000 | 841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0201% | 1,786 |
| Cost of funding earning assets | 2.7358% | 536 |
| Net interest margin | 3.2843% | 5,804 |
| Noninterest income to average assets | 0.1196% | 7,158 |
| Noninterest expense to average assets | 1.9685% | 7,415 |
| Loan and lease loss provision to assets | 0.9923% | 2,288 |
| Net operating income to assets | 0.1239% | 5,134 |
| Return on assets (ROA) | 0.0136% | 5,492 |
| Pretax return on assets | 0.0531% | 5,319 |
| Return on Equity (ROE) | 0.1605% | 5,485 |
| Retained earnings to average equity (ytd only) | 0.1605% | 4,813 |
| Net charge-offs to loans | 0.7821% | 2,871 |
| Credit loss provision to net charge-offs | 164.1690% | 2,664 |
| Earnings coverage of net charge-offs (x) | 2.0146% | 4,213 |
| Efficiency ratio | 61.7807% | 6,192 |
| Assets per employee ($millions) | 9.0160% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 3,489 |
| Loan loss allowance to noncurrent loans | 88.9433% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1750% | 3,163 |
| Noncurrent loans to loans | 1.7397% | 4,027 |
| Net loans and leases to total assets | 70.6091% | 3,103 |
| Net loans and leases to deposits | 90.9956% | 2,048 |
| Net loans and leases to core deposits | 134.9128% | 1,007 |
| Total domestic deposits to total assets | 77.5961% | 6,323 |
| Equity capital to assets | 9.6695% | 4,188 |
| Core capital (leverage) ratio | 9.7167% | 3,424 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,948 |
| Total risk-based capital ratio | 14.5514% | 3,886 |
| Memoranda: | ||
| Average total assets | $779,374,000 | 876 |
| Average earning assets | $727,724,800 | 858 |
| Average equity | $66,046,600 | 999 |
| Average total loans | $602,357,400 | 782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1460% | 1,503 |
| Cost of funding earning assets | 2.8957% | 468 |
| Net interest margin | 3.2503% | 5,831 |
| Noninterest income to average assets | 0.1825% | 6,918 |
| Noninterest expense to average assets | 2.0128% | 7,357 |
| Loan and lease loss provision to assets | 0.9538% | 2,017 |
| Net operating income to assets | 0.2685% | 4,912 |
| Return on assets (ROA) | 0.0483% | 5,643 |
| Pretax return on assets | 0.0324% | 5,645 |
| Return on Equity (ROE) | 0.5911% | 5,618 |
| Retained earnings to average equity (ytd only) | 0.5911% | 4,952 |
| Net charge-offs to loans | 0.7244% | 2,545 |
| Credit loss provision to net charge-offs | 167.2409% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 4,233 |
| Efficiency ratio | 62.5248% | 6,013 |
| Assets per employee ($millions) | 9.1635% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 4,017 |
| Loan loss allowance to noncurrent loans | 83.1402% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 3,242 |
| Noncurrent loans to loans | 1.6679% | 4,146 |
| Net loans and leases to total assets | 68.3843% | 3,868 |
| Net loans and leases to deposits | 94.4702% | 1,794 |
| Net loans and leases to core deposits | 147.9130% | 630 |
| Total domestic deposits to total assets | 72.3872% | 7,165 |
| Equity capital to assets | 7.5455% | 7,266 |
| Core capital (leverage) ratio | 8.0286% | 6,311 |
| Tier 1 risk-based capital ratio | 10.7372% | 6,217 |
| Total risk-based capital ratio | 11.9882% | 6,182 |
| Memoranda: | ||
| Average total assets | $773,611,500 | 896 |
| Average earning assets | $722,793,500 | 874 |
| Average equity | $63,160,750 | 1,061 |
| Average total loans | $609,074,500 | 788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4241% | 958 |
| Cost of funding earning assets | 3.0817% | 372 |
| Net interest margin | 3.3424% | 5,395 |
| Noninterest income to average assets | 0.2116% | 6,788 |
| Noninterest expense to average assets | 2.1211% | 7,235 |
| Loan and lease loss provision to assets | 0.9418% | 1,793 |
| Net operating income to assets | 0.2841% | 4,970 |
| Return on assets (ROA) | 0.0448% | 5,810 |
| Pretax return on assets | 0.0256% | 5,818 |
| Return on Equity (ROE) | 0.5332% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.5332% | 4,988 |
| Net charge-offs to loans | 0.7317% | 2,221 |
| Credit loss provision to net charge-offs | 156.5102% | 2,940 |
| Earnings coverage of net charge-offs (x) | 2.0053% | 4,085 |
| Efficiency ratio | 63.7383% | 5,963 |
| Assets per employee ($millions) | 8.6124% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,039 |
| Loan loss allowance to noncurrent loans | 58.0018% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 2,920 |
| Noncurrent loans to loans | 2.0458% | 3,452 |
| Net loans and leases to total assets | 76.0556% | 2,168 |
| Net loans and leases to deposits | 108.0385% | 650 |
| Net loans and leases to core deposits | 174.3135% | 274 |
| Total domestic deposits to total assets | 70.3968% | 7,427 |
| Equity capital to assets | 8.0704% | 6,664 |
| Core capital (leverage) ratio | 8.5036% | 5,444 |
| Tier 1 risk-based capital ratio | 10.6809% | 6,202 |
| Total risk-based capital ratio | 11.8664% | 6,204 |
| Memoranda: | ||
| Average total assets | $750,468,670 | 935 |
| Average earning assets | $699,674,000 | 917 |
| Average equity | $63,010,330 | 1,081 |
| Average total loans | $617,228,000 | 797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4930% | 875 |
| Cost of funding earning assets | 3.2652% | 293 |
| Net interest margin | 3.2278% | 5,767 |
| Noninterest income to average assets | 0.2246% | 6,670 |
| Noninterest expense to average assets | 2.0490% | 7,236 |
| Loan and lease loss provision to assets | 0.6323% | 1,998 |
| Net operating income to assets | 0.3520% | 5,060 |
| Return on assets (ROA) | 0.3527% | 5,240 |
| Pretax return on assets | 0.5473% | 4,929 |
| Return on Equity (ROE) | 4.1151% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,611 |
| Net charge-offs to loans | 0.4140% | 2,449 |
| Credit loss provision to net charge-offs | 179.5666% | 2,419 |
| Earnings coverage of net charge-offs (x) | 3.3467% | 3,208 |
| Efficiency ratio | 63.4859% | 5,783 |
| Assets per employee ($millions) | 8.1398% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,915 |
| Loan loss allowance to noncurrent loans | 84.2355% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 3,715 |
| Noncurrent loans to loans | 1.2258% | 4,521 |
| Net loans and leases to total assets | 83.6816% | 736 |
| Net loans and leases to deposits | 123.9835% | 215 |
| Net loans and leases to core deposits | 203.6823% | 133 |
| Total domestic deposits to total assets | 67.4941% | 7,631 |
| Equity capital to assets | 8.6585% | 5,828 |
| Core capital (leverage) ratio | 8.8933% | 4,869 |
| Tier 1 risk-based capital ratio | 10.9428% | 5,954 |
| Total risk-based capital ratio | 12.0126% | 6,036 |
| Memoranda: | ||
| Average total assets | $733,837,000 | 950 |
| Average earning assets | $682,704,500 | 935 |
| Average equity | $62,890,500 | 1,079 |
| Average total loans | $624,227,000 | 796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8414% | 1,552 |
| Cost of funding earning assets | 3.5769% | 422 |
| Net interest margin | 3.2645% | 6,165 |
| Noninterest income to average assets | 0.2256% | 6,826 |
| Noninterest expense to average assets | 2.0516% | 7,342 |
| Loan and lease loss provision to assets | 0.3007% | 3,972 |
| Net operating income to assets | 0.6687% | 4,031 |
| Return on assets (ROA) | 0.1834% | 5,732 |
| Pretax return on assets | 0.2495% | 5,627 |
| Return on Equity (ROE) | 2.1391% | 5,565 |
| Retained earnings to average equity (ytd only) | -2.0859% | 5,899 |
| Net charge-offs to loans | 0.1549% | 4,648 |
| Credit loss provision to net charge-offs | 232.2280% | 2,053 |
| Earnings coverage of net charge-offs (x) | 9.3119% | 2,710 |
| Efficiency ratio | 62.9810% | 5,780 |
| Assets per employee ($millions) | 7.6572% | 527 |
| Cash dividends to net income (ytd only)* | 197.5128% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 6,477 |
| Loan loss allowance to noncurrent loans | 113.0962% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 5,088 |
| Noncurrent loans to loans | 0.8267% | 4,982 |
| Net loans and leases to total assets | 84.7704% | 768 |
| Net loans and leases to deposits | 135.4539% | 145 |
| Net loans and leases to core deposits | 223.3389% | 105 |
| Total domestic deposits to total assets | 62.5825% | 7,858 |
| Equity capital to assets | 8.4820% | 6,117 |
| Core capital (leverage) ratio | 8.7063% | 5,184 |
| Tier 1 risk-based capital ratio | 10.7113% | 5,994 |
| Total risk-based capital ratio | 11.6823% | 6,154 |
| Memoranda: | ||
| Average total assets | $745,170,200 | 901 |
| Average earning assets | $692,085,400 | 883 |
| Average equity | $63,906,400 | 1,043 |
| Average total loans | $623,172,400 | 766 |