Home > Parkway Bank and Trust Company > Performance and Condition Ratios
Parkway Bank and Trust Company, 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 | 4.9345% | 2,210 |
| Cost of funding earning assets | 1.8047% | 1,242 |
| Net interest margin | 3.1298% | 3,028 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.3341% | 4,422 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2835% | 1,464 |
| Return on assets (ROA) | 1.2835% | 1,434 |
| Pretax return on assets | 1.7164% | 1,033 |
| Return on Equity (ROE) | 12.4200% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.3303% | 1,782 |
| Net charge-offs to loans | 0.3745% | 284 |
| Credit loss provision to net charge-offs | 36.4545% | 2,256 |
| Earnings coverage of net charge-offs (x) | 6.2710% | 2,480 |
| Efficiency ratio | 42.2384% | 4,309 |
| Assets per employee ($millions) | 11.4148% | 478 |
| Cash dividends to net income (ytd only)* | 40.9750% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 2,632 |
| Loan loss allowance to noncurrent loans | 86.8140% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 486 |
| Noncurrent loans to loans | 1.3059% | 535 |
| Net loans and leases to total assets | 76.1600% | 1,094 |
| Net loans and leases to deposits | 95.4946% | 824 |
| Net loans and leases to core deposits | 141.2244% | 268 |
| Total domestic deposits to total assets | 79.7600% | 3,502 |
| Equity capital to assets | 10.4745% | 1,737 |
| Core capital (leverage) ratio | 10.7915% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0491% | 2,228 |
| Memoranda: | ||
| Average total assets | $3,336,958,200 | 361 |
| Average earning assets | $3,226,477,000 | 347 |
| Average equity | $344,883,600 | 352 |
| Average total loans | $2,592,302,000 | 335 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 2,228 |
| Cost of funding earning assets | 1.6163% | 1,340 |
| Net interest margin | 3.1996% | 2,915 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.3382% | 4,431 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3630% | 1,392 |
| Return on assets (ROA) | 1.3630% | 1,376 |
| Pretax return on assets | 1.8239% | 976 |
| Return on Equity (ROE) | 13.2300% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.4499% | 2,161 |
| Net charge-offs to loans | -0.0547% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.4703% | 4,317 |
| Assets per employee ($millions) | 11.3676% | 461 |
| Cash dividends to net income (ytd only)* | 43.7081% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,203 |
| Loan loss allowance to noncurrent loans | 11,636.8263% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,682 |
| Noncurrent loans to loans | 0.0126% | 3,705 |
| Net loans and leases to total assets | 76.3000% | 1,084 |
| Net loans and leases to deposits | 98.5871% | 578 |
| Net loans and leases to core deposits | 141.2133% | 208 |
| Total domestic deposits to total assets | 77.3900% | 3,889 |
| Equity capital to assets | 10.2889% | 1,653 |
| Core capital (leverage) ratio | 10.8495% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0760% | 2,243 |
| Memoranda: | ||
| Average total assets | $3,312,233,000 | 368 |
| Average earning assets | $3,202,209,750 | 354 |
| Average equity | $341,132,250 | 359 |
| Average total loans | $2,578,655,250 | 334 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,221 |
| Cost of funding earning assets | 1.4250% | 1,383 |
| Net interest margin | 3.2688% | 2,823 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.3886% | 4,424 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3814% | 1,381 |
| Return on assets (ROA) | 1.3814% | 1,356 |
| Pretax return on assets | 1.8404% | 947 |
| Return on Equity (ROE) | 13.4100% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.8896% | 2,321 |
| Net charge-offs to loans | -0.0800% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.2759% | 4,327 |
| Assets per employee ($millions) | 11.2368% | 480 |
| Cash dividends to net income (ytd only)* | 48.6166% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,285 |
| Loan loss allowance to noncurrent loans | 9,527.3632% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,189 |
| Noncurrent loans to loans | 0.0154% | 3,659 |
| Net loans and leases to total assets | 76.5300% | 997 |
| Net loans and leases to deposits | 97.2417% | 656 |
| Net loans and leases to core deposits | 138.0378% | 236 |
| Total domestic deposits to total assets | 78.7000% | 3,760 |
| Equity capital to assets | 10.2388% | 1,724 |
| Core capital (leverage) ratio | 10.9799% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0051% | 2,294 |
| Memoranda: | ||
| Average total assets | $3,275,756,667 | 361 |
| Average earning assets | $3,167,310,667 | 345 |
| Average equity | $337,492,000 | 352 |
| Average total loans | $2,554,996,667 | 323 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 2,048 |
| Cost of funding earning assets | 1.1909% | 1,479 |
| Net interest margin | 3.4241% | 2,572 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.3854% | 4,479 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4659% | 1,248 |
| Return on assets (ROA) | 1.4659% | 1,225 |
| Pretax return on assets | 1.9524% | 845 |
| Return on Equity (ROE) | 14.1800% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.5235% | 2,637 |
| Net charge-offs to loans | -0.1682% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.7510% | 4,428 |
| Assets per employee ($millions) | 10.5096% | 594 |
| Cash dividends to net income (ytd only)* | 54.0039% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,261 |
| Loan loss allowance to noncurrent loans | 29,031.5385% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,258 |
| Noncurrent loans to loans | 0.0052% | 3,810 |
| Net loans and leases to total assets | 77.0900% | 867 |
| Net loans and leases to deposits | 95.0693% | 716 |
| Net loans and leases to core deposits | 130.5643% | 268 |
| Total domestic deposits to total assets | 81.0900% | 3,624 |
| Equity capital to assets | 10.4855% | 1,566 |
| Core capital (leverage) ratio | 10.9139% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1267% | 2,344 |
| Memoranda: | ||
| Average total assets | $3,233,735,000 | 377 |
| Average earning assets | $3,126,794,500 | 355 |
| Average equity | $334,237,000 | 366 |
| Average total loans | $2,527,741,000 | 337 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 1,867 |
| Cost of funding earning assets | 0.4525% | 1,705 |
| Net interest margin | 3.4952% | 1,947 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.4448% | 4,475 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4185% | 1,083 |
| Return on assets (ROA) | 1.4185% | 1,046 |
| Pretax return on assets | 1.9636% | 518 |
| Return on Equity (ROE) | 13.1100% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.4963% | 2,827 |
| Net charge-offs to loans | 0.0188% | 1,721 |
| Credit loss provision to net charge-offs | 550.9346% | 640 |
| Earnings coverage of net charge-offs (x) | 143.6121% | 808 |
| Efficiency ratio | 41.4375% | 4,504 |
| Assets per employee ($millions) | 10.6608% | 550 |
| Cash dividends to net income (ytd only)* | 58.0796% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,392 |
| Loan loss allowance to noncurrent loans | 326.1653% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,299 |
| Noncurrent loans to loans | 0.4395% | 1,608 |
| Net loans and leases to total assets | 76.9500% | 903 |
| Net loans and leases to deposits | 95.1278% | 704 |
| Net loans and leases to core deposits | 129.2563% | 236 |
| Total domestic deposits to total assets | 80.8900% | 3,773 |
| Equity capital to assets | 10.1880% | 1,619 |
| Core capital (leverage) ratio | 10.5400% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0316% | 2,360 |
| Memoranda: | ||
| Average total assets | $3,010,223,400 | 392 |
| Average earning assets | $2,901,681,000 | 371 |
| Average equity | $325,671,800 | 369 |
| Average total loans | $2,274,182,200 | 340 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 2,052 |
| Cost of funding earning assets | 0.2967% | 2,208 |
| Net interest margin | 3.4032% | 1,968 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.3863% | 4,519 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4030% | 1,085 |
| Return on assets (ROA) | 1.4030% | 1,055 |
| Pretax return on assets | 1.9579% | 511 |
| Return on Equity (ROE) | 12.7600% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.1975% | 3,025 |
| Net charge-offs to loans | -0.0015% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.7071% | 4,557 |
| Assets per employee ($millions) | 10.7032% | 542 |
| Cash dividends to net income (ytd only)* | 59.2764% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,463 |
| Loan loss allowance to noncurrent loans | 311.4626% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 1,309 |
| Noncurrent loans to loans | 0.4643% | 1,639 |
| Net loans and leases to total assets | 76.5700% | 852 |
| Net loans and leases to deposits | 90.2076% | 881 |
| Net loans and leases to core deposits | 119.8205% | 261 |
| Total domestic deposits to total assets | 84.8900% | 3,311 |
| Equity capital to assets | 10.1986% | 1,525 |
| Core capital (leverage) ratio | 11.0467% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7415% | 2,157 |
| Memoranda: | ||
| Average total assets | $2,949,893,500 | 397 |
| Average earning assets | $2,840,773,500 | 379 |
| Average equity | $324,273,000 | 372 |
| Average total loans | $2,208,116,250 | 344 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 1,974 |
| Cost of funding earning assets | 0.2464% | 2,317 |
| Net interest margin | 3.3093% | 1,880 |
| Noninterest income to average assets | 0.1105% | 4,444 |
| Noninterest expense to average assets | 1.4016% | 4,528 |
| Loan and lease loss provision to assets | 0.0580% | 1,546 |
| Net operating income to assets | 1.3133% | 1,101 |
| Return on assets (ROA) | 1.3133% | 1,081 |
| Pretax return on assets | 1.8324% | 552 |
| Return on Equity (ROE) | 11.6549% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.2459% | 2,997 |
| Net charge-offs to loans | 0.0026% | 1,990 |
| Credit loss provision to net charge-offs | 2,975.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 970.3929% | 133 |
| Efficiency ratio | 42.5767% | 4,553 |
| Assets per employee ($millions) | 9.4898% | 753 |
| Cash dividends to net income (ytd only)* | 63.5694% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 1,029 |
| Loan loss allowance to noncurrent loans | 301.2559% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 1,000 |
| Noncurrent loans to loans | 0.5515% | 1,513 |
| Net loans and leases to total assets | 71.6352% | 1,152 |
| Net loans and leases to deposits | 86.1100% | 962 |
| Net loans and leases to core deposits | 99.6971% | 681 |
| Total domestic deposits to total assets | 83.1903% | 3,842 |
| Equity capital to assets | 11.0763% | 1,173 |
| Core capital (leverage) ratio | 11.4018% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5959% | 1,544 |
| Memoranda: | ||
| Average total assets | $2,874,659,667 | 399 |
| Average earning assets | $2,763,652,000 | 387 |
| Average equity | $323,933,333 | 371 |
| Average total loans | $2,118,086,000 | 351 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 1,580 |
| Cost of funding earning assets | 0.2492% | 2,171 |
| Net interest margin | 3.3240% | 1,518 |
| Noninterest income to average assets | 0.1051% | 4,480 |
| Noninterest expense to average assets | 1.3931% | 4,546 |
| Loan and lease loss provision to assets | 0.0452% | 1,551 |
| Net operating income to assets | 1.3328% | 933 |
| Return on assets (ROA) | 1.3328% | 923 |
| Pretax return on assets | 1.8597% | 483 |
| Return on Equity (ROE) | 11.7256% | 1,398 |
| Retained earnings to average equity (ytd only) | 4.3309% | 2,833 |
| Net charge-offs to loans | -0.0259% | 4,024 |
| Credit loss provision to net charge-offs | -235.7664% | 3,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2394% | 4,601 |
| Assets per employee ($millions) | 9.2198% | 851 |
| Cash dividends to net income (ytd only)* | 63.0650% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,030 |
| Loan loss allowance to noncurrent loans | 265.3267% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 945 |
| Noncurrent loans to loans | 0.6456% | 1,460 |
| Net loans and leases to total assets | 70.7816% | 946 |
| Net loans and leases to deposits | 85.7546% | 760 |
| Net loans and leases to core deposits | 96.6788% | 628 |
| Total domestic deposits to total assets | 82.5397% | 4,013 |
| Equity capital to assets | 11.3898% | 1,165 |
| Core capital (leverage) ratio | 11.2478% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9914% | 1,514 |
| Memoranda: | ||
| Average total assets | $2,855,306,000 | 405 |
| Average earning assets | $2,742,737,000 | 390 |
| Average equity | $324,554,000 | 381 |
| Average total loans | $2,116,000,000 | 351 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 2,411 |
| Cost of funding earning assets | 0.3402% | 2,022 |
| Net interest margin | 3.2523% | 2,458 |
| Noninterest income to average assets | 0.0984% | 4,611 |
| Noninterest expense to average assets | 1.3305% | 4,663 |
| Loan and lease loss provision to assets | 0.0412% | 2,224 |
| Net operating income to assets | 1.3313% | 1,514 |
| Return on assets (ROA) | 1.3313% | 1,549 |
| Pretax return on assets | 1.8499% | 812 |
| Return on Equity (ROE) | 12.0687% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.8173% | 1,994 |
| Net charge-offs to loans | -0.0528% | 4,349 |
| Credit loss provision to net charge-offs | -102.5929% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2990% | 4,655 |
| Assets per employee ($millions) | 9.6648% | 740 |
| Cash dividends to net income (ytd only)* | 43.5122% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,331 |
| Loan loss allowance to noncurrent loans | 274.3173% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 1,092 |
| Noncurrent loans to loans | 0.5726% | 1,708 |
| Net loans and leases to total assets | 74.9677% | 590 |
| Net loans and leases to deposits | 94.6750% | 360 |
| Net loans and leases to core deposits | 107.1256% | 347 |
| Total domestic deposits to total assets | 79.1842% | 4,297 |
| Equity capital to assets | 11.3440% | 1,577 |
| Core capital (leverage) ratio | 11.0533% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0318% | 1,831 |
| Memoranda: | ||
| Average total assets | $2,882,901,800 | 387 |
| Average earning assets | $2,768,378,000 | 371 |
| Average equity | $318,013,000 | 379 |
| Average total loans | $2,191,046,600 | 339 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 2,575 |
| Cost of funding earning assets | 0.3648% | 1,982 |
| Net interest margin | 3.2301% | 2,635 |
| Noninterest income to average assets | 0.1130% | 4,610 |
| Noninterest expense to average assets | 1.3474% | 4,714 |
| Loan and lease loss provision to assets | 0.0830% | 1,429 |
| Net operating income to assets | 1.2778% | 1,894 |
| Return on assets (ROA) | 1.2778% | 1,952 |
| Pretax return on assets | 1.7836% | 1,199 |
| Return on Equity (ROE) | 11.6665% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.1495% | 2,357 |
| Net charge-offs to loans | -0.0143% | 3,827 |
| Credit loss provision to net charge-offs | -763.4043% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9232% | 4,663 |
| Assets per employee ($millions) | 9.5771% | 744 |
| Cash dividends to net income (ytd only)* | 38.7176% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,458 |
| Loan loss allowance to noncurrent loans | 274.0568% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 1,241 |
| Noncurrent loans to loans | 0.5663% | 1,896 |
| Net loans and leases to total assets | 74.8835% | 621 |
| Net loans and leases to deposits | 94.5434% | 399 |
| Net loans and leases to core deposits | 107.5739% | 378 |
| Total domestic deposits to total assets | 79.2054% | 4,326 |
| Equity capital to assets | 11.2183% | 1,876 |
| Core capital (leverage) ratio | 10.9370% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8841% | 2,008 |
| Memoranda: | ||
| Average total assets | $2,883,597,500 | 390 |
| Average earning assets | $2,768,204,250 | 376 |
| Average equity | $315,836,250 | 384 |
| Average total loans | $2,190,404,500 | 342 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 2,777 |
| Cost of funding earning assets | 0.4036% | 1,860 |
| Net interest margin | 3.1453% | 2,906 |
| Noninterest income to average assets | 0.0864% | 4,741 |
| Noninterest expense to average assets | 1.3324% | 4,769 |
| Loan and lease loss provision to assets | 0.0935% | 1,340 |
| Net operating income to assets | 1.2026% | 2,184 |
| Return on assets (ROA) | 1.2026% | 2,256 |
| Pretax return on assets | 1.6782% | 1,533 |
| Return on Equity (ROE) | 11.0691% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.0111% | 2,427 |
| Net charge-offs to loans | -0.0106% | 3,689 |
| Credit loss provision to net charge-offs | -1,161.2069% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9233% | 4,666 |
| Assets per employee ($millions) | 9.4879% | 717 |
| Cash dividends to net income (ytd only)* | 36.6607% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,353 |
| Loan loss allowance to noncurrent loans | 184.3270% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 938 |
| Noncurrent loans to loans | 0.8522% | 1,446 |
| Net loans and leases to total assets | 73.1864% | 838 |
| Net loans and leases to deposits | 92.6188% | 512 |
| Net loans and leases to core deposits | 108.3375% | 407 |
| Total domestic deposits to total assets | 79.0189% | 4,341 |
| Equity capital to assets | 11.0680% | 1,935 |
| Core capital (leverage) ratio | 10.7892% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0150% | 1,967 |
| Memoranda: | ||
| Average total assets | $2,880,704,000 | 388 |
| Average earning assets | $2,763,894,000 | 374 |
| Average equity | $312,960,000 | 383 |
| Average total loans | $2,187,212,667 | 340 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 2,777 |
| Cost of funding earning assets | 0.4596% | 1,653 |
| Net interest margin | 3.0937% | 3,008 |
| Noninterest income to average assets | 0.1069% | 4,652 |
| Noninterest expense to average assets | 1.3563% | 4,778 |
| Loan and lease loss provision to assets | 0.0863% | 1,523 |
| Net operating income to assets | 1.1694% | 2,266 |
| Return on assets (ROA) | 1.1694% | 2,335 |
| Pretax return on assets | 1.6317% | 1,645 |
| Return on Equity (ROE) | 10.8653% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.0631% | 2,557 |
| Net charge-offs to loans | -0.0233% | 4,068 |
| Credit loss provision to net charge-offs | -482.1705% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1186% | 4,569 |
| Assets per employee ($millions) | 9.4398% | 712 |
| Cash dividends to net income (ytd only)* | 34.9941% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,601 |
| Loan loss allowance to noncurrent loans | 163.0887% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 860 |
| Noncurrent loans to loans | 0.9210% | 1,471 |
| Net loans and leases to total assets | 74.3666% | 782 |
| Net loans and leases to deposits | 94.5889% | 463 |
| Net loans and leases to core deposits | 111.7516% | 366 |
| Total domestic deposits to total assets | 78.6208% | 4,369 |
| Equity capital to assets | 10.7832% | 2,023 |
| Core capital (leverage) ratio | 10.8440% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5477% | 2,066 |
| Memoranda: | ||
| Average total assets | $2,883,638,500 | 385 |
| Average earning assets | $2,765,836,000 | 372 |
| Average equity | $310,346,000 | 383 |
| Average total loans | $2,212,036,500 | 337 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,256 |
| Cost of funding earning assets | 0.8375% | 1,067 |
| Net interest margin | 2.9766% | 3,944 |
| Noninterest income to average assets | 0.0889% | 4,772 |
| Noninterest expense to average assets | 1.3711% | 4,849 |
| Loan and lease loss provision to assets | 0.1566% | 2,412 |
| Net operating income to assets | 1.0151% | 2,239 |
| Return on assets (ROA) | 1.0429% | 2,275 |
| Pretax return on assets | 1.4493% | 1,513 |
| Return on Equity (ROE) | 9.4537% | 2,218 |
| Retained earnings to average equity (ytd only) | 1.7543% | 3,922 |
| Net charge-offs to loans | 0.0271% | 2,491 |
| Credit loss provision to net charge-offs | 746.2609% | 959 |
| Earnings coverage of net charge-offs (x) | 74.8296% | 936 |
| Efficiency ratio | 46.6060% | 4,687 |
| Assets per employee ($millions) | 9.5961% | 602 |
| Cash dividends to net income (ytd only)* | 81.4436% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 1,825 |
| Loan loss allowance to noncurrent loans | 164.3954% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 999 |
| Noncurrent loans to loans | 0.8736% | 1,623 |
| Net loans and leases to total assets | 76.8121% | 713 |
| Net loans and leases to deposits | 99.4999% | 394 |
| Net loans and leases to core deposits | 118.1820% | 339 |
| Total domestic deposits to total assets | 77.1982% | 4,390 |
| Equity capital to assets | 10.7412% | 2,484 |
| Core capital (leverage) ratio | 10.7679% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7451% | 2,337 |
| Memoranda: | ||
| Average total assets | $2,739,248,000 | 370 |
| Average earning assets | $2,625,382,800 | 355 |
| Average equity | $302,178,600 | 365 |
| Average total loans | $2,124,961,200 | 339 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,461 |
| Cost of funding earning assets | 0.9266% | 976 |
| Net interest margin | 2.9057% | 4,173 |
| Noninterest income to average assets | 0.0876% | 4,796 |
| Noninterest expense to average assets | 1.3703% | 4,876 |
| Loan and lease loss provision to assets | 0.1516% | 2,499 |
| Net operating income to assets | 0.9696% | 2,454 |
| Return on assets (ROA) | 1.0071% | 2,444 |
| Pretax return on assets | 1.3975% | 1,747 |
| Return on Equity (ROE) | 9.0660% | 2,372 |
| Retained earnings to average equity (ytd only) | -0.0071% | 4,484 |
| Net charge-offs to loans | 0.0087% | 2,798 |
| Credit loss provision to net charge-offs | 2,246.7153% | 431 |
| Earnings coverage of net charge-offs (x) | 222.5182% | 461 |
| Efficiency ratio | 47.7137% | 4,629 |
| Assets per employee ($millions) | 9.6434% | 568 |
| Cash dividends to net income (ytd only)* | 100.0783% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,537 |
| Loan loss allowance to noncurrent loans | 164.6302% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 1,136 |
| Noncurrent loans to loans | 0.8799% | 1,700 |
| Net loans and leases to total assets | 76.5036% | 1,033 |
| Net loans and leases to deposits | 100.9921% | 495 |
| Net loans and leases to core deposits | 116.9628% | 479 |
| Total domestic deposits to total assets | 75.7521% | 4,447 |
| Equity capital to assets | 10.8711% | 2,498 |
| Core capital (leverage) ratio | 10.9051% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8011% | 2,287 |
| Memoranda: | ||
| Average total assets | $2,706,748,750 | 362 |
| Average earning assets | $2,593,651,750 | 349 |
| Average equity | $300,675,250 | 360 |
| Average total loans | $2,097,191,250 | 334 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,677 |
| Cost of funding earning assets | 1.0400% | 870 |
| Net interest margin | 2.8396% | 4,400 |
| Noninterest income to average assets | 0.0891% | 4,814 |
| Noninterest expense to average assets | 1.3772% | 4,911 |
| Loan and lease loss provision to assets | 0.1607% | 2,392 |
| Net operating income to assets | 0.9128% | 2,643 |
| Return on assets (ROA) | 0.9695% | 2,557 |
| Pretax return on assets | 1.3433% | 1,889 |
| Return on Equity (ROE) | 8.6639% | 2,507 |
| Retained earnings to average equity (ytd only) | -1.3131% | 4,518 |
| Net charge-offs to loans | 0.0127% | 2,514 |
| Credit loss provision to net charge-offs | 1,631.0606% | 567 |
| Earnings coverage of net charge-offs (x) | 145.3788% | 544 |
| Efficiency ratio | 49.0238% | 4,558 |
| Assets per employee ($millions) | 9.3996% | 607 |
| Cash dividends to net income (ytd only)* | 115.1555% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,493 |
| Loan loss allowance to noncurrent loans | 158.9403% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1368% | 987 |
| Noncurrent loans to loans | 0.8979% | 1,706 |
| Net loans and leases to total assets | 76.2886% | 1,085 |
| Net loans and leases to deposits | 101.3850% | 473 |
| Net loans and leases to core deposits | 115.5907% | 545 |
| Total domestic deposits to total assets | 75.2465% | 4,495 |
| Equity capital to assets | 10.9331% | 2,405 |
| Core capital (leverage) ratio | 11.0364% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8897% | 2,226 |
| Memoranda: | ||
| Average total assets | $2,680,013,333 | 361 |
| Average earning assets | $2,567,346,333 | 343 |
| Average equity | $299,909,667 | 360 |
| Average total loans | $2,075,101,667 | 333 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,737 |
| Cost of funding earning assets | 1.1795% | 825 |
| Net interest margin | 2.8399% | 4,520 |
| Noninterest income to average assets | 0.1159% | 4,769 |
| Noninterest expense to average assets | 1.5174% | 4,906 |
| Loan and lease loss provision to assets | 0.1022% | 2,406 |
| Net operating income to assets | 0.8736% | 2,601 |
| Return on assets (ROA) | 0.9497% | 2,450 |
| Pretax return on assets | 1.3135% | 1,835 |
| Return on Equity (ROE) | 8.3859% | 2,350 |
| Retained earnings to average equity (ytd only) | -8.5677% | 4,715 |
| Net charge-offs to loans | -0.0096% | 4,064 |
| Credit loss provision to net charge-offs | -1,377.5510% | 3,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4891% | 4,434 |
| Assets per employee ($millions) | 8.3513% | 652 |
| Cash dividends to net income (ytd only)* | 202.1673% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,619 |
| Loan loss allowance to noncurrent loans | 147.3959% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 1,014 |
| Noncurrent loans to loans | 0.9648% | 1,701 |
| Net loans and leases to total assets | 76.2556% | 1,256 |
| Net loans and leases to deposits | 98.5240% | 658 |
| Net loans and leases to core deposits | 113.8579% | 669 |
| Total domestic deposits to total assets | 77.3980% | 4,309 |
| Equity capital to assets | 11.2043% | 2,674 |
| Core capital (leverage) ratio | 11.5230% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1228% | 2,228 |
| Memoranda: | ||
| Average total assets | $2,642,985,000 | 355 |
| Average earning assets | $2,532,166,000 | 337 |
| Average equity | $299,311,500 | 357 |
| Average total loans | $2,046,922,500 | 326 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 3,605 |
| Cost of funding earning assets | 1.3787% | 604 |
| Net interest margin | 2.8973% | 4,662 |
| Noninterest income to average assets | 0.1734% | 4,622 |
| Noninterest expense to average assets | 1.4977% | 5,006 |
| Loan and lease loss provision to assets | -0.0212% | 4,960 |
| Net operating income to assets | 1.0851% | 2,500 |
| Return on assets (ROA) | 1.1061% | 2,512 |
| Pretax return on assets | 1.5042% | 1,796 |
| Return on Equity (ROE) | 9.8390% | 2,370 |
| Retained earnings to average equity (ytd only) | 3.3473% | 3,335 |
| Net charge-offs to loans | 0.0325% | 2,736 |
| Credit loss provision to net charge-offs | -84.1791% | 4,205 |
| Earnings coverage of net charge-offs (x) | 57.7791% | 1,006 |
| Efficiency ratio | 50.6998% | 4,693 |
| Assets per employee ($millions) | 8.0939% | 686 |
| Cash dividends to net income (ytd only)* | 65.9797% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,566 |
| Loan loss allowance to noncurrent loans | 140.4054% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 925 |
| Noncurrent loans to loans | 0.9885% | 1,539 |
| Net loans and leases to total assets | 76.4632% | 1,330 |
| Net loans and leases to deposits | 102.2002% | 460 |
| Net loans and leases to core deposits | 117.5198% | 550 |
| Total domestic deposits to total assets | 74.8171% | 4,716 |
| Equity capital to assets | 11.4456% | 2,578 |
| Core capital (leverage) ratio | 11.8163% | 1,885 |
| Tier 1 risk-based capital ratio | 12.8157% | 3,886 |
| Total risk-based capital ratio | 14.4103% | 3,593 |
| Memoranda: | ||
| Average total assets | $2,658,139,200 | 339 |
| Average earning assets | $2,551,147,200 | 327 |
| Average equity | $298,840,600 | 345 |
| Average total loans | $2,058,678,400 | 315 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 3,542 |
| Cost of funding earning assets | 1.4188% | 543 |
| Net interest margin | 2.9229% | 4,736 |
| Noninterest income to average assets | 0.1196% | 4,918 |
| Noninterest expense to average assets | 1.4813% | 5,077 |
| Loan and lease loss provision to assets | 0.0093% | 3,706 |
| Net operating income to assets | 1.0608% | 2,735 |
| Return on assets (ROA) | 1.0850% | 2,723 |
| Pretax return on assets | 1.4663% | 2,056 |
| Return on Equity (ROE) | 9.6943% | 2,575 |
| Retained earnings to average equity (ytd only) | 5.2657% | 2,747 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6202% | 4,704 |
| Assets per employee ($millions) | 8.1395% | 657 |
| Cash dividends to net income (ytd only)* | 45.6832% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,332 |
| Loan loss allowance to noncurrent loans | 415.5100% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 1,633 |
| Noncurrent loans to loans | 0.3538% | 3,275 |
| Net loans and leases to total assets | 76.2447% | 1,437 |
| Net loans and leases to deposits | 94.4929% | 1,176 |
| Net loans and leases to core deposits | 108.2913% | 1,036 |
| Total domestic deposits to total assets | 80.6883% | 3,830 |
| Equity capital to assets | 11.6063% | 2,594 |
| Core capital (leverage) ratio | 11.4801% | 2,235 |
| Tier 1 risk-based capital ratio | 12.9015% | 3,906 |
| Total risk-based capital ratio | 14.5447% | 3,592 |
| Memoranda: | ||
| Average total assets | $2,663,023,750 | 340 |
| Average earning assets | $2,557,263,250 | 329 |
| Average equity | $298,049,750 | 348 |
| Average total loans | $2,061,858,750 | 320 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 3,379 |
| Cost of funding earning assets | 1.4081% | 524 |
| Net interest margin | 2.9753% | 4,726 |
| Noninterest income to average assets | 0.1145% | 4,985 |
| Noninterest expense to average assets | 1.4919% | 5,120 |
| Loan and lease loss provision to assets | 0.0139% | 3,497 |
| Net operating income to assets | 1.0761% | 2,621 |
| Return on assets (ROA) | 1.0761% | 2,688 |
| Pretax return on assets | 1.4662% | 1,971 |
| Return on Equity (ROE) | 9.7323% | 2,516 |
| Retained earnings to average equity (ytd only) | 5.2054% | 2,669 |
| Net charge-offs to loans | 0.0042% | 3,016 |
| Credit loss provision to net charge-offs | 422.7273% | 680 |
| Earnings coverage of net charge-offs (x) | 450.2727% | 168 |
| Efficiency ratio | 50.1986% | 4,770 |
| Assets per employee ($millions) | 8.0758% | 653 |
| Cash dividends to net income (ytd only)* | 46.5149% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,357 |
| Loan loss allowance to noncurrent loans | 408.6330% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 1,685 |
| Noncurrent loans to loans | 0.3602% | 3,248 |
| Net loans and leases to total assets | 75.0153% | 1,720 |
| Net loans and leases to deposits | 89.5348% | 1,793 |
| Net loans and leases to core deposits | 103.2679% | 1,443 |
| Total domestic deposits to total assets | 83.7833% | 2,954 |
| Equity capital to assets | 11.3116% | 2,774 |
| Core capital (leverage) ratio | 10.8062% | 2,781 |
| Tier 1 risk-based capital ratio | 12.7952% | 3,951 |
| Total risk-based capital ratio | 14.4407% | 3,648 |
| Memoranda: | ||
| Average total assets | $2,677,062,670 | 342 |
| Average earning assets | $2,571,154,000 | 329 |
| Average equity | $296,002,670 | 350 |
| Average total loans | $2,073,105,000 | 320 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 3,372 |
| Cost of funding earning assets | 1.3248% | 606 |
| Net interest margin | 3.0360% | 4,701 |
| Noninterest income to average assets | 0.1297% | 4,955 |
| Noninterest expense to average assets | 1.5146% | 5,163 |
| Loan and lease loss provision to assets | 0.0243% | 3,113 |
| Net operating income to assets | 1.0856% | 2,524 |
| Return on assets (ROA) | 1.0856% | 2,569 |
| Pretax return on assets | 1.5057% | 1,746 |
| Return on Equity (ROE) | 9.9315% | 2,402 |
| Retained earnings to average equity (ytd only) | 5.4376% | 2,716 |
| Net charge-offs to loans | -0.0238% | 4,558 |
| Credit loss provision to net charge-offs | -130.4000% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7482% | 4,852 |
| Assets per employee ($millions) | 10.0737% | 334 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,512 |
| Loan loss allowance to noncurrent loans | 405.3516% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 1,719 |
| Noncurrent loans to loans | 0.3576% | 3,299 |
| Net loans and leases to total assets | 76.1925% | 1,448 |
| Net loans and leases to deposits | 90.6776% | 1,546 |
| Net loans and leases to core deposits | 104.4069% | 1,286 |
| Total domestic deposits to total assets | 84.0257% | 3,039 |
| Equity capital to assets | 11.0932% | 2,752 |
| Core capital (leverage) ratio | 10.9055% | 2,662 |
| Tier 1 risk-based capital ratio | 12.4040% | 4,229 |
| Total risk-based capital ratio | 14.0422% | 3,883 |
| Memoranda: | ||
| Average total assets | $2,687,126,500 | 346 |
| Average earning assets | $2,579,936,000 | 334 |
| Average equity | $293,733,500 | 353 |
| Average total loans | $2,098,217,500 | 322 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 3,723 |
| Cost of funding earning assets | 1.0393% | 640 |
| Net interest margin | 3.0676% | 4,701 |
| Noninterest income to average assets | 0.1487% | 4,965 |
| Noninterest expense to average assets | 1.3975% | 5,264 |
| Loan and lease loss provision to assets | -0.1742% | 5,322 |
| Net operating income to assets | 1.3414% | 1,652 |
| Return on assets (ROA) | 1.3414% | 1,638 |
| Pretax return on assets | 1.8618% | 790 |
| Return on Equity (ROE) | 12.6384% | 1,490 |
| Retained earnings to average equity (ytd only) | 6.7277% | 1,798 |
| Net charge-offs to loans | -0.0503% | 4,979 |
| Credit loss provision to net charge-offs | 441.9197% | 770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2980% | 5,139 |
| Assets per employee ($millions) | 10.2065% | 326 |
| Cash dividends to net income (ytd only)* | 46.7680% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,681 |
| Loan loss allowance to noncurrent loans | 369.5099% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 1,655 |
| Noncurrent loans to loans | 0.3760% | 3,191 |
| Net loans and leases to total assets | 77.7493% | 1,314 |
| Net loans and leases to deposits | 97.2654% | 954 |
| Net loans and leases to core deposits | 113.2376% | 817 |
| Total domestic deposits to total assets | 79.9352% | 4,121 |
| Equity capital to assets | 10.7712% | 2,909 |
| Core capital (leverage) ratio | 10.8806% | 2,647 |
| Tier 1 risk-based capital ratio | 11.8232% | 4,552 |
| Total risk-based capital ratio | 13.5688% | 4,112 |
| Memoranda: | ||
| Average total assets | $2,590,267,400 | 351 |
| Average earning assets | $2,479,463,000 | 338 |
| Average equity | $274,924,200 | 360 |
| Average total loans | $2,027,920,000 | 325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 3,710 |
| Cost of funding earning assets | 0.9740% | 666 |
| Net interest margin | 3.1033% | 4,700 |
| Noninterest income to average assets | 0.1550% | 5,001 |
| Noninterest expense to average assets | 1.4025% | 5,323 |
| Loan and lease loss provision to assets | -0.2272% | 5,412 |
| Net operating income to assets | 1.4043% | 1,474 |
| Return on assets (ROA) | 1.4043% | 1,472 |
| Pretax return on assets | 1.9495% | 726 |
| Return on Equity (ROE) | 13.2827% | 1,337 |
| Retained earnings to average equity (ytd only) | 6.1441% | 2,584 |
| Net charge-offs to loans | -0.0471% | 4,913 |
| Credit loss provision to net charge-offs | 617.3975% | 580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8832% | 5,189 |
| Assets per employee ($millions) | 10.2308% | 304 |
| Cash dividends to net income (ytd only)* | 53.7435% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,573 |
| Loan loss allowance to noncurrent loans | 379.1533% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 1,724 |
| Noncurrent loans to loans | 0.3785% | 3,296 |
| Net loans and leases to total assets | 76.0765% | 1,650 |
| Net loans and leases to deposits | 93.1253% | 1,489 |
| Net loans and leases to core deposits | 107.1735% | 1,220 |
| Total domestic deposits to total assets | 81.6926% | 3,693 |
| Equity capital to assets | 10.4401% | 3,198 |
| Core capital (leverage) ratio | 10.6452% | 2,940 |
| Tier 1 risk-based capital ratio | 11.8110% | 4,598 |
| Total risk-based capital ratio | 13.6038% | 4,172 |
| Memoranda: | ||
| Average total assets | $2,561,653,500 | 353 |
| Average earning assets | $2,451,519,500 | 340 |
| Average equity | $270,822,500 | 362 |
| Average total loans | $2,001,766,500 | 327 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,662 |
| Cost of funding earning assets | 0.9402% | 609 |
| Net interest margin | 3.0960% | 4,738 |
| Noninterest income to average assets | 0.1481% | 5,084 |
| Noninterest expense to average assets | 1.4064% | 5,387 |
| Loan and lease loss provision to assets | -0.3857% | 5,506 |
| Net operating income to assets | 1.5053% | 1,147 |
| Return on assets (ROA) | 1.5053% | 1,144 |
| Pretax return on assets | 2.0884% | 503 |
| Return on Equity (ROE) | 14.1766% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.8665% | 3,147 |
| Net charge-offs to loans | -0.0453% | 4,888 |
| Credit loss provision to net charge-offs | 1,083.7778% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2344% | 5,241 |
| Assets per employee ($millions) | 10.1612% | 300 |
| Cash dividends to net income (ytd only)* | 65.6720% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,616 |
| Loan loss allowance to noncurrent loans | 366.3815% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 1,662 |
| Noncurrent loans to loans | 0.3918% | 3,291 |
| Net loans and leases to total assets | 76.9471% | 1,474 |
| Net loans and leases to deposits | 94.2594% | 1,329 |
| Net loans and leases to core deposits | 106.4254% | 1,212 |
| Total domestic deposits to total assets | 81.6334% | 3,832 |
| Equity capital to assets | 10.6181% | 3,011 |
| Core capital (leverage) ratio | 10.5230% | 3,007 |
| Tier 1 risk-based capital ratio | 11.9963% | 4,497 |
| Total risk-based capital ratio | 13.5211% | 4,203 |
| Memoranda: | ||
| Average total assets | $2,528,866,330 | 355 |
| Average earning assets | $2,418,672,670 | 343 |
| Average equity | $268,527,330 | 363 |
| Average total loans | $1,984,652,000 | 328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,614 |
| Cost of funding earning assets | 0.9209% | 537 |
| Net interest margin | 3.0773% | 4,747 |
| Noninterest income to average assets | 0.1749% | 4,974 |
| Noninterest expense to average assets | 1.4264% | 5,441 |
| Loan and lease loss provision to assets | 0.0331% | 3,061 |
| Net operating income to assets | 1.2041% | 1,986 |
| Return on assets (ROA) | 1.2041% | 1,997 |
| Pretax return on assets | 1.6583% | 1,221 |
| Return on Equity (ROE) | 11.3399% | 1,838 |
| Retained earnings to average equity (ytd only) | 3.0954% | 3,967 |
| Net charge-offs to loans | -0.0297% | 4,734 |
| Credit loss provision to net charge-offs | -141.4966% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7497% | 5,288 |
| Assets per employee ($millions) | 10.0243% | 320 |
| Cash dividends to net income (ytd only)* | 72.7032% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 948 |
| Loan loss allowance to noncurrent loans | 374.7985% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,629 |
| Noncurrent loans to loans | 0.4530% | 3,178 |
| Net loans and leases to total assets | 77.0295% | 1,386 |
| Net loans and leases to deposits | 91.8069% | 1,472 |
| Net loans and leases to core deposits | 104.2898% | 1,353 |
| Total domestic deposits to total assets | 83.9038% | 3,368 |
| Equity capital to assets | 10.6299% | 2,941 |
| Core capital (leverage) ratio | 10.3913% | 3,071 |
| Tier 1 risk-based capital ratio | 11.9760% | 4,558 |
| Total risk-based capital ratio | 13.5081% | 4,296 |
| Memoranda: | ||
| Average total assets | $2,512,983,500 | 360 |
| Average earning assets | $2,403,181,000 | 348 |
| Average equity | $266,846,000 | 362 |
| Average total loans | $1,977,464,000 | 330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 4,103 |
| Cost of funding earning assets | 0.7943% | 640 |
| Net interest margin | 2.9877% | 4,911 |
| Noninterest income to average assets | 0.1575% | 5,175 |
| Noninterest expense to average assets | 1.3521% | 5,542 |
| Loan and lease loss provision to assets | 0.0570% | 3,089 |
| Net operating income to assets | 0.7974% | 3,169 |
| Return on assets (ROA) | 0.7974% | 3,212 |
| Pretax return on assets | 1.5846% | 1,338 |
| Return on Equity (ROE) | 7.4180% | 3,071 |
| Retained earnings to average equity (ytd only) | 3.9170% | 2,854 |
| Net charge-offs to loans | 0.0039% | 3,959 |
| Credit loss provision to net charge-offs | 1,883.7838% | 199 |
| Earnings coverage of net charge-offs (x) | 542.2973% | 162 |
| Efficiency ratio | 45.1649% | 5,420 |
| Assets per employee ($millions) | 9.9995% | 317 |
| Cash dividends to net income (ytd only)* | 47.1964% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 995 |
| Loan loss allowance to noncurrent loans | 984.3091% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 1,978 |
| Noncurrent loans to loans | 0.1697% | 4,241 |
| Net loans and leases to total assets | 77.7010% | 1,320 |
| Net loans and leases to deposits | 93.2178% | 1,365 |
| Net loans and leases to core deposits | 106.1480% | 1,256 |
| Total domestic deposits to total assets | 83.3542% | 3,448 |
| Equity capital to assets | 10.6074% | 3,045 |
| Core capital (leverage) ratio | 10.4676% | 2,882 |
| Tier 1 risk-based capital ratio | 11.7099% | 4,713 |
| Total risk-based capital ratio | 13.3360% | 4,361 |
| Memoranda: | ||
| Average total assets | $2,444,563,600 | 352 |
| Average earning assets | $2,320,650,000 | 343 |
| Average equity | $262,780,600 | 355 |
| Average total loans | $1,883,674,400 | 325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 4,178 |
| Cost of funding earning assets | 0.7706% | 685 |
| Net interest margin | 2.9793% | 4,964 |
| Noninterest income to average assets | 0.1617% | 5,211 |
| Noninterest expense to average assets | 1.3420% | 5,601 |
| Loan and lease loss provision to assets | 0.0815% | 2,462 |
| Net operating income to assets | 0.9539% | 2,757 |
| Return on assets (ROA) | 0.9539% | 2,818 |
| Pretax return on assets | 1.5617% | 1,538 |
| Return on Equity (ROE) | 8.8438% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.6876% | 2,441 |
| Net charge-offs to loans | -0.0010% | 4,270 |
| Credit loss provision to net charge-offs | -10,607.1429% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9537% | 5,455 |
| Assets per employee ($millions) | 9.6899% | 352 |
| Cash dividends to net income (ytd only)* | 35.6876% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 867 |
| Loan loss allowance to noncurrent loans | 1,004.8582% | 596 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 1,549 |
| Noncurrent loans to loans | 0.1782% | 4,355 |
| Net loans and leases to total assets | 75.6923% | 1,642 |
| Net loans and leases to deposits | 90.3846% | 1,764 |
| Net loans and leases to core deposits | 102.8127% | 1,481 |
| Total domestic deposits to total assets | 83.7447% | 3,214 |
| Equity capital to assets | 11.0866% | 2,774 |
| Core capital (leverage) ratio | 10.7317% | 2,724 |
| Tier 1 risk-based capital ratio | 12.6448% | 4,237 |
| Total risk-based capital ratio | 14.3490% | 3,854 |
| Memoranda: | ||
| Average total assets | $2,428,239,000 | 351 |
| Average earning assets | $2,301,250,500 | 345 |
| Average equity | $261,917,750 | 358 |
| Average total loans | $1,858,765,750 | 329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,256 |
| Cost of funding earning assets | 0.7539% | 670 |
| Net interest margin | 2.9359% | 5,030 |
| Noninterest income to average assets | 0.1456% | 5,333 |
| Noninterest expense to average assets | 1.3199% | 5,661 |
| Loan and lease loss provision to assets | 0.0986% | 2,045 |
| Net operating income to assets | 0.9338% | 2,749 |
| Return on assets (ROA) | 0.9338% | 2,807 |
| Pretax return on assets | 1.5051% | 1,612 |
| Return on Equity (ROE) | 8.7380% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.9694% | 2,139 |
| Net charge-offs to loans | -0.0010% | 4,137 |
| Credit loss provision to net charge-offs | -13,333.3333% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1451% | 5,485 |
| Assets per employee ($millions) | 9.8528% | 315 |
| Cash dividends to net income (ytd only)* | 31.6846% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 938 |
| Loan loss allowance to noncurrent loans | 1,654.6867% | 397 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 1,040 |
| Noncurrent loans to loans | 0.1071% | 4,696 |
| Net loans and leases to total assets | 75.8152% | 1,567 |
| Net loans and leases to deposits | 89.5073% | 1,799 |
| Net loans and leases to core deposits | 103.7563% | 1,373 |
| Total domestic deposits to total assets | 84.7027% | 2,934 |
| Equity capital to assets | 10.9404% | 2,877 |
| Core capital (leverage) ratio | 10.5968% | 2,817 |
| Tier 1 risk-based capital ratio | 12.3699% | 4,373 |
| Total risk-based capital ratio | 14.0699% | 4,022 |
| Memoranda: | ||
| Average total assets | $2,433,392,000 | 357 |
| Average earning assets | $2,302,571,000 | 349 |
| Average equity | $260,058,330 | 362 |
| Average total loans | $1,858,491,000 | 333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 4,292 |
| Cost of funding earning assets | 0.7417% | 686 |
| Net interest margin | 2.9045% | 5,076 |
| Noninterest income to average assets | 0.1326% | 5,454 |
| Noninterest expense to average assets | 1.3106% | 5,733 |
| Loan and lease loss provision to assets | 0.1228% | 1,563 |
| Net operating income to assets | 0.9007% | 2,762 |
| Return on assets (ROA) | 0.9007% | 2,816 |
| Pretax return on assets | 1.4459% | 1,710 |
| Return on Equity (ROE) | 8.5274% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.7371% | 2,477 |
| Net charge-offs to loans | 0.0468% | 1,915 |
| Credit loss provision to net charge-offs | 345.6221% | 720 |
| Earnings coverage of net charge-offs (x) | 44.1521% | 966 |
| Efficiency ratio | 45.5192% | 5,547 |
| Assets per employee ($millions) | 9.7452% | 334 |
| Cash dividends to net income (ytd only)* | 32.7213% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 1,065 |
| Loan loss allowance to noncurrent loans | 745.5614% | 751 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 955 |
| Noncurrent loans to loans | 0.2342% | 4,275 |
| Net loans and leases to total assets | 75.8998% | 1,429 |
| Net loans and leases to deposits | 89.7206% | 1,571 |
| Net loans and leases to core deposits | 104.7395% | 1,175 |
| Total domestic deposits to total assets | 84.5957% | 3,265 |
| Equity capital to assets | 10.8433% | 2,808 |
| Core capital (leverage) ratio | 10.2842% | 3,136 |
| Tier 1 risk-based capital ratio | 12.2270% | 4,562 |
| Total risk-based capital ratio | 13.9286% | 4,181 |
| Memoranda: | ||
| Average total assets | $2,443,117,500 | 360 |
| Average earning assets | $2,310,338,500 | 352 |
| Average equity | $258,040,000 | 362 |
| Average total loans | $1,856,164,500 | 333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 3,946 |
| Cost of funding earning assets | 0.7266% | 716 |
| Net interest margin | 3.0622% | 4,814 |
| Noninterest income to average assets | 0.1853% | 5,286 |
| Noninterest expense to average assets | 1.6424% | 5,612 |
| Loan and lease loss provision to assets | 0.1209% | 2,043 |
| Net operating income to assets | 0.8002% | 3,303 |
| Return on assets (ROA) | 0.8011% | 3,403 |
| Pretax return on assets | 1.3026% | 2,274 |
| Return on Equity (ROE) | 7.8199% | 3,043 |
| Retained earnings to average equity (ytd only) | 5.0506% | 2,312 |
| Net charge-offs to loans | 0.0864% | 2,465 |
| Credit loss provision to net charge-offs | 181.5299% | 1,545 |
| Earnings coverage of net charge-offs (x) | 21.3532% | 1,791 |
| Efficiency ratio | 53.5950% | 5,274 |
| Assets per employee ($millions) | 10.2425% | 283 |
| Cash dividends to net income (ytd only)* | 35.4133% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,121 |
| Loan loss allowance to noncurrent loans | 384.5001% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 869 |
| Noncurrent loans to loans | 0.4446% | 3,553 |
| Net loans and leases to total assets | 73.4711% | 1,935 |
| Net loans and leases to deposits | 90.6923% | 1,610 |
| Net loans and leases to core deposits | 109.4269% | 933 |
| Total domestic deposits to total assets | 81.0114% | 4,327 |
| Equity capital to assets | 10.2909% | 3,397 |
| Core capital (leverage) ratio | 9.8843% | 3,651 |
| Tier 1 risk-based capital ratio | 12.1249% | 4,644 |
| Total risk-based capital ratio | 13.9837% | 4,138 |
| Memoranda: | ||
| Average total assets | $2,414,544,000 | 347 |
| Average earning assets | $2,270,246,800 | 337 |
| Average equity | $247,356,600 | 365 |
| Average total loans | $1,861,820,000 | 322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,043 |
| Cost of funding earning assets | 0.7135% | 763 |
| Net interest margin | 3.0471% | 4,905 |
| Noninterest income to average assets | 0.2071% | 5,229 |
| Noninterest expense to average assets | 1.6444% | 5,652 |
| Loan and lease loss provision to assets | 0.2350% | 830 |
| Net operating income to assets | 0.7331% | 3,681 |
| Return on assets (ROA) | 0.7343% | 3,808 |
| Pretax return on assets | 1.1910% | 2,867 |
| Return on Equity (ROE) | 7.1765% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.4029% | 3,203 |
| Net charge-offs to loans | 0.1985% | 1,178 |
| Credit loss provision to net charge-offs | 152.2899% | 1,752 |
| Earnings coverage of net charge-offs (x) | 9.2286% | 2,689 |
| Efficiency ratio | 53.5899% | 5,268 |
| Assets per employee ($millions) | 10.2248% | 284 |
| Cash dividends to net income (ytd only)* | 38.6481% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,359 |
| Loan loss allowance to noncurrent loans | 280.5780% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 715 |
| Noncurrent loans to loans | 0.5840% | 3,260 |
| Net loans and leases to total assets | 76.8592% | 1,389 |
| Net loans and leases to deposits | 94.9961% | 1,150 |
| Net loans and leases to core deposits | 114.4783% | 705 |
| Total domestic deposits to total assets | 80.9077% | 4,266 |
| Equity capital to assets | 9.9985% | 4,126 |
| Core capital (leverage) ratio | 9.6904% | 3,950 |
| Tier 1 risk-based capital ratio | 11.2848% | 5,209 |
| Total risk-based capital ratio | 13.1184% | 4,772 |
| Memoranda: | ||
| Average total assets | $2,395,950,250 | 348 |
| Average earning assets | $2,249,949,250 | 339 |
| Average equity | $245,163,000 | 368 |
| Average total loans | $1,862,165,750 | 320 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,215 |
| Cost of funding earning assets | 0.6990% | 812 |
| Net interest margin | 3.0247% | 5,031 |
| Noninterest income to average assets | 0.2219% | 5,162 |
| Noninterest expense to average assets | 1.6282% | 5,743 |
| Loan and lease loss provision to assets | 0.1997% | 1,077 |
| Net operating income to assets | 0.7394% | 3,609 |
| Return on assets (ROA) | 0.7413% | 3,751 |
| Pretax return on assets | 1.2325% | 2,659 |
| Return on Equity (ROE) | 7.1865% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.3966% | 3,116 |
| Net charge-offs to loans | 0.2904% | 819 |
| Credit loss provision to net charge-offs | 88.6551% | 2,263 |
| Earnings coverage of net charge-offs (x) | 6.3437% | 2,754 |
| Efficiency ratio | 53.2527% | 5,366 |
| Assets per employee ($millions) | 10.4388% | 243 |
| Cash dividends to net income (ytd only)* | 38.8216% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,461 |
| Loan loss allowance to noncurrent loans | 200.9653% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3769% | 616 |
| Noncurrent loans to loans | 0.8077% | 2,731 |
| Net loans and leases to total assets | 74.2715% | 1,790 |
| Net loans and leases to deposits | 91.8620% | 1,531 |
| Net loans and leases to core deposits | 110.7876% | 889 |
| Total domestic deposits to total assets | 80.8512% | 4,318 |
| Equity capital to assets | 10.0120% | 4,213 |
| Core capital (leverage) ratio | 9.9739% | 3,594 |
| Tier 1 risk-based capital ratio | 11.3916% | 5,222 |
| Total risk-based capital ratio | 13.2369% | 4,749 |
| Memoranda: | ||
| Average total assets | $2,362,983,330 | 351 |
| Average earning assets | $2,215,233,670 | 343 |
| Average equity | $243,735,000 | 369 |
| Average total loans | $1,833,066,670 | 321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 3,944 |
| Cost of funding earning assets | 0.7014% | 802 |
| Net interest margin | 3.0973% | 4,868 |
| Noninterest income to average assets | 0.1780% | 5,428 |
| Noninterest expense to average assets | 1.6038% | 5,826 |
| Loan and lease loss provision to assets | 0.1660% | 1,247 |
| Net operating income to assets | 0.7712% | 3,390 |
| Return on assets (ROA) | 0.7736% | 3,483 |
| Pretax return on assets | 1.3112% | 2,259 |
| Return on Equity (ROE) | 7.3849% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.2068% | 3,371 |
| Net charge-offs to loans | 0.2557% | 812 |
| Credit loss provision to net charge-offs | 82.5451% | 1,821 |
| Earnings coverage of net charge-offs (x) | 7.3250% | 2,155 |
| Efficiency ratio | 52.1189% | 5,511 |
| Assets per employee ($millions) | 9.7532% | 305 |
| Cash dividends to net income (ytd only)* | 43.0360% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 1,421 |
| Loan loss allowance to noncurrent loans | 162.3847% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.9020% | 445 |
| Noncurrent loans to loans | 1.0302% | 2,322 |
| Net loans and leases to total assets | 76.6933% | 1,294 |
| Net loans and leases to deposits | 94.3053% | 1,115 |
| Net loans and leases to core deposits | 109.5191% | 876 |
| Total domestic deposits to total assets | 81.3245% | 4,398 |
| Equity capital to assets | 10.4981% | 3,501 |
| Core capital (leverage) ratio | 10.1617% | 3,356 |
| Tier 1 risk-based capital ratio | 11.3851% | 5,288 |
| Total risk-based capital ratio | 13.0472% | 4,953 |
| Memoranda: | ||
| Average total assets | $2,312,702,500 | 354 |
| Average earning assets | $2,164,839,500 | 346 |
| Average equity | $242,277,000 | 369 |
| Average total loans | $1,819,649,500 | 321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5047% | 4,907 |
| Cost of funding earning assets | 0.6914% | 857 |
| Net interest margin | 2.8133% | 5,483 |
| Noninterest income to average assets | 0.1611% | 5,617 |
| Noninterest expense to average assets | 1.6122% | 5,907 |
| Loan and lease loss provision to assets | 0.2449% | 777 |
| Net operating income to assets | 0.5506% | 4,494 |
| Return on assets (ROA) | 0.5566% | 4,566 |
| Pretax return on assets | 0.9434% | 3,681 |
| Return on Equity (ROE) | 5.2232% | 4,396 |
| Retained earnings to average equity (ytd only) | 1.9377% | 4,626 |
| Net charge-offs to loans | 0.4313% | 647 |
| Credit loss provision to net charge-offs | 74.9315% | 3,040 |
| Earnings coverage of net charge-offs (x) | 3.6073% | 3,698 |
| Efficiency ratio | 57.7621% | 5,167 |
| Assets per employee ($millions) | 9.3665% | 337 |
| Cash dividends to net income (ytd only)* | 62.9019% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,427 |
| Loan loss allowance to noncurrent loans | 122.2623% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 3.0907% | 418 |
| Noncurrent loans to loans | 1.3637% | 1,719 |
| Net loans and leases to total assets | 78.0450% | 1,111 |
| Net loans and leases to deposits | 95.2372% | 1,093 |
| Net loans and leases to core deposits | 110.0053% | 855 |
| Total domestic deposits to total assets | 81.9480% | 4,179 |
| Equity capital to assets | 10.4536% | 3,418 |
| Core capital (leverage) ratio | 10.2170% | 3,245 |
| Tier 1 risk-based capital ratio | 11.2807% | 5,387 |
| Total risk-based capital ratio | 12.9666% | 5,039 |
| Memoranda: | ||
| Average total assets | $2,234,934,200 | 350 |
| Average earning assets | $2,089,362,200 | 341 |
| Average equity | $238,169,800 | 363 |
| Average total loans | $1,693,614,200 | 319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 5,122 |
| Cost of funding earning assets | 0.6930% | 870 |
| Net interest margin | 2.7444% | 5,673 |
| Noninterest income to average assets | 0.1524% | 5,726 |
| Noninterest expense to average assets | 1.6336% | 5,958 |
| Loan and lease loss provision to assets | 0.2382% | 745 |
| Net operating income to assets | 0.4986% | 4,793 |
| Return on assets (ROA) | 0.5055% | 4,857 |
| Pretax return on assets | 0.8564% | 4,150 |
| Return on Equity (ROE) | 4.7197% | 4,749 |
| Retained earnings to average equity (ytd only) | 1.2811% | 5,206 |
| Net charge-offs to loans | 0.6614% | 333 |
| Credit loss provision to net charge-offs | 48.1176% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.1895% | 3,714 |
| Efficiency ratio | 60.1142% | 4,873 |
| Assets per employee ($millions) | 9.3387% | 337 |
| Cash dividends to net income (ytd only)* | 72.8560% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,724 |
| Loan loss allowance to noncurrent loans | 67.8815% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.8041% | 318 |
| Noncurrent loans to loans | 2.3855% | 869 |
| Net loans and leases to total assets | 75.7188% | 1,428 |
| Net loans and leases to deposits | 90.1713% | 1,624 |
| Net loans and leases to core deposits | 103.2893% | 1,279 |
| Total domestic deposits to total assets | 83.9721% | 3,443 |
| Equity capital to assets | 10.6140% | 3,456 |
| Core capital (leverage) ratio | 10.2649% | 3,292 |
| Tier 1 risk-based capital ratio | 11.7350% | 5,245 |
| Total risk-based capital ratio | 13.4246% | 4,880 |
| Memoranda: | ||
| Average total assets | $2,217,629,500 | 357 |
| Average earning assets | $2,072,754,000 | 347 |
| Average equity | $237,495,500 | 370 |
| Average total loans | $1,659,826,000 | 332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 5,373 |
| Cost of funding earning assets | 0.6923% | 876 |
| Net interest margin | 2.6438% | 5,833 |
| Noninterest income to average assets | 0.1492% | 5,818 |
| Noninterest expense to average assets | 1.6260% | 6,037 |
| Loan and lease loss provision to assets | 0.2096% | 928 |
| Net operating income to assets | 0.4615% | 4,939 |
| Return on assets (ROA) | 0.4699% | 4,991 |
| Pretax return on assets | 0.7960% | 4,328 |
| Return on Equity (ROE) | 4.3741% | 4,873 |
| Retained earnings to average equity (ytd only) | 0.5771% | 5,325 |
| Net charge-offs to loans | 0.6068% | 387 |
| Credit loss provision to net charge-offs | 46.5847% | 2,740 |
| Earnings coverage of net charge-offs (x) | 2.2063% | 3,389 |
| Efficiency ratio | 62.0976% | 4,668 |
| Assets per employee ($millions) | 9.2366% | 342 |
| Cash dividends to net income (ytd only)* | 86.8056% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,583 |
| Loan loss allowance to noncurrent loans | 54.8083% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.3822% | 275 |
| Noncurrent loans to loans | 3.1121% | 620 |
| Net loans and leases to total assets | 76.4950% | 1,298 |
| Net loans and leases to deposits | 89.8285% | 1,617 |
| Net loans and leases to core deposits | 104.4511% | 1,161 |
| Total domestic deposits to total assets | 85.1567% | 3,062 |
| Equity capital to assets | 10.6086% | 3,312 |
| Core capital (leverage) ratio | 10.2704% | 3,253 |
| Tier 1 risk-based capital ratio | 11.5885% | 5,410 |
| Total risk-based capital ratio | 13.2172% | 5,074 |
| Memoranda: | ||
| Average total assets | $2,206,632,000 | 357 |
| Average earning assets | $2,060,934,000 | 346 |
| Average equity | $237,033,330 | 374 |
| Average total loans | $1,635,703,670 | 335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 5,618 |
| Cost of funding earning assets | 0.6863% | 920 |
| Net interest margin | 2.5327% | 5,984 |
| Noninterest income to average assets | 0.1549% | 5,814 |
| Noninterest expense to average assets | 1.6629% | 6,049 |
| Loan and lease loss provision to assets | 0.1135% | 1,820 |
| Net operating income to assets | 0.4377% | 4,918 |
| Return on assets (ROA) | 0.4452% | 5,011 |
| Pretax return on assets | 0.7537% | 4,413 |
| Return on Equity (ROE) | 4.1184% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.2068% | 5,003 |
| Net charge-offs to loans | 0.7668% | 304 |
| Credit loss provision to net charge-offs | 20.4875% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.5445% | 2,906 |
| Efficiency ratio | 66.0291% | 4,152 |
| Assets per employee ($millions) | 9.2101% | 334 |
| Cash dividends to net income (ytd only)* | 70.6967% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 1,274 |
| Loan loss allowance to noncurrent loans | 52.7822% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 4.5809% | 287 |
| Noncurrent loans to loans | 3.6064% | 513 |
| Net loans and leases to total assets | 69.4374% | 2,214 |
| Net loans and leases to deposits | 80.8873% | 2,462 |
| Net loans and leases to core deposits | 94.2306% | 1,746 |
| Total domestic deposits to total assets | 85.8447% | 3,015 |
| Equity capital to assets | 10.6996% | 3,320 |
| Core capital (leverage) ratio | 10.4258% | 3,067 |
| Tier 1 risk-based capital ratio | 12.7143% | 4,777 |
| Total risk-based capital ratio | 14.3281% | 4,483 |
| Memoranda: | ||
| Average total assets | $2,192,316,500 | 358 |
| Average earning assets | $2,045,868,500 | 347 |
| Average equity | $236,985,500 | 370 |
| Average total loans | $1,583,788,000 | 338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,800 |
| Cost of funding earning assets | 0.6078% | 1,703 |
| Net interest margin | 3.0831% | 5,245 |
| Noninterest income to average assets | 0.1984% | 5,669 |
| Noninterest expense to average assets | 1.7885% | 6,078 |
| Loan and lease loss provision to assets | 0.3911% | 465 |
| Net operating income to assets | 0.5112% | 4,772 |
| Return on assets (ROA) | 0.5139% | 4,842 |
| Pretax return on assets | 0.8697% | 4,000 |
| Return on Equity (ROE) | 4.4885% | 4,897 |
| Retained earnings to average equity (ytd only) | 0.8200% | 5,401 |
| Net charge-offs to loans | 0.5559% | 733 |
| Credit loss provision to net charge-offs | 93.8420% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.0155% | 4,006 |
| Efficiency ratio | 58.7326% | 5,373 |
| Assets per employee ($millions) | 8.9463% | 349 |
| Cash dividends to net income (ytd only)* | 81.7303% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,060 |
| Loan loss allowance to noncurrent loans | 66.3396% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 4.3811% | 363 |
| Noncurrent loans to loans | 3.0520% | 734 |
| Net loans and leases to total assets | 72.2444% | 1,868 |
| Net loans and leases to deposits | 84.4703% | 2,159 |
| Net loans and leases to core deposits | 97.9452% | 1,553 |
| Total domestic deposits to total assets | 85.5264% | 3,068 |
| Equity capital to assets | 10.9228% | 2,980 |
| Core capital (leverage) ratio | 10.3101% | 3,157 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,962 |
| Total risk-based capital ratio | 14.2980% | 4,610 |
| Memoranda: | ||
| Average total assets | $2,053,598,600 | 364 |
| Average earning assets | $1,896,226,800 | 359 |
| Average equity | $235,114,000 | 352 |
| Average total loans | $1,539,483,600 | 324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,794 |
| Cost of funding earning assets | 0.5843% | 1,978 |
| Net interest margin | 3.1381% | 5,153 |
| Noninterest income to average assets | 0.2088% | 5,683 |
| Noninterest expense to average assets | 1.8617% | 6,007 |
| Loan and lease loss provision to assets | 0.4314% | 369 |
| Net operating income to assets | 0.4767% | 4,965 |
| Return on assets (ROA) | 0.4767% | 5,046 |
| Pretax return on assets | 0.8064% | 4,344 |
| Return on Equity (ROE) | 4.1128% | 5,128 |
| Retained earnings to average equity (ytd only) | 0.1232% | 5,764 |
| Net charge-offs to loans | 0.5690% | 660 |
| Credit loss provision to net charge-offs | 100.7067% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.8894% | 3,797 |
| Efficiency ratio | 60.0641% | 5,173 |
| Assets per employee ($millions) | 8.7731% | 372 |
| Cash dividends to net income (ytd only)* | 97.0036% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 1,147 |
| Loan loss allowance to noncurrent loans | 59.3398% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.8997% | 359 |
| Noncurrent loans to loans | 3.4732% | 697 |
| Net loans and leases to total assets | 74.2410% | 1,486 |
| Net loans and leases to deposits | 87.9416% | 1,681 |
| Net loans and leases to core deposits | 101.1554% | 1,281 |
| Total domestic deposits to total assets | 84.4208% | 3,581 |
| Equity capital to assets | 11.1592% | 2,802 |
| Core capital (leverage) ratio | 10.5168% | 3,024 |
| Tier 1 risk-based capital ratio | 12.5418% | 5,144 |
| Total risk-based capital ratio | 14.2214% | 4,801 |
| Memoranda: | ||
| Average total assets | $2,025,747,750 | 363 |
| Average earning assets | $1,866,038,000 | 357 |
| Average equity | $234,772,750 | 349 |
| Average total loans | $1,525,251,000 | 325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,881 |
| Cost of funding earning assets | 0.5511% | 2,339 |
| Net interest margin | 3.1410% | 5,120 |
| Noninterest income to average assets | 0.2099% | 5,696 |
| Noninterest expense to average assets | 1.9064% | 5,992 |
| Loan and lease loss provision to assets | 0.4557% | 350 |
| Net operating income to assets | 0.4331% | 5,083 |
| Return on assets (ROA) | 0.4331% | 5,169 |
| Pretax return on assets | 0.7323% | 4,528 |
| Return on Equity (ROE) | 3.6888% | 5,274 |
| Retained earnings to average equity (ytd only) | -1.0404% | 5,858 |
| Net charge-offs to loans | 0.7265% | 524 |
| Credit loss provision to net charge-offs | 83.5014% | 2,287 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 3,614 |
| Efficiency ratio | 61.6081% | 5,063 |
| Assets per employee ($millions) | 8.7417% | 362 |
| Cash dividends to net income (ytd only)* | 128.2051% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 1,351 |
| Loan loss allowance to noncurrent loans | 56.4071% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 5.3103% | 321 |
| Noncurrent loans to loans | 3.5544% | 739 |
| Net loans and leases to total assets | 74.7417% | 1,344 |
| Net loans and leases to deposits | 87.6476% | 1,636 |
| Net loans and leases to core deposits | 101.1911% | 1,189 |
| Total domestic deposits to total assets | 85.2752% | 3,372 |
| Equity capital to assets | 11.1819% | 2,711 |
| Core capital (leverage) ratio | 10.6083% | 2,815 |
| Tier 1 risk-based capital ratio | 12.4652% | 5,249 |
| Total risk-based capital ratio | 14.1291% | 4,926 |
| Memoranda: | ||
| Average total assets | $1,999,148,670 | 365 |
| Average earning assets | $1,835,892,330 | 360 |
| Average equity | $234,709,330 | 348 |
| Average total loans | $1,501,644,000 | 324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 5,043 |
| Cost of funding earning assets | 0.4863% | 3,051 |
| Net interest margin | 3.1514% | 5,085 |
| Noninterest income to average assets | 0.2119% | 5,659 |
| Noninterest expense to average assets | 2.0302% | 5,823 |
| Loan and lease loss provision to assets | 0.4913% | 308 |
| Net operating income to assets | 0.3390% | 5,359 |
| Return on assets (ROA) | 0.3390% | 5,413 |
| Pretax return on assets | 0.5727% | 4,926 |
| Return on Equity (ROE) | 2.8157% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.7955% | 4,885 |
| Net charge-offs to loans | 0.4943% | 741 |
| Credit loss provision to net charge-offs | 133.4074% | 1,357 |
| Earnings coverage of net charge-offs (x) | 2.8894% | 2,777 |
| Efficiency ratio | 65.6126% | 4,596 |
| Assets per employee ($millions) | 8.4148% | 413 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 1,201 |
| Loan loss allowance to noncurrent loans | 62.6088% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 5.5684% | 336 |
| Noncurrent loans to loans | 3.4749% | 846 |
| Net loans and leases to total assets | 73.5563% | 1,335 |
| Net loans and leases to deposits | 86.7351% | 1,502 |
| Net loans and leases to core deposits | 99.1182% | 1,163 |
| Total domestic deposits to total assets | 84.8056% | 3,954 |
| Equity capital to assets | 11.5256% | 2,221 |
| Core capital (leverage) ratio | 11.6576% | 1,859 |
| Tier 1 risk-based capital ratio | 12.9950% | 5,005 |
| Total risk-based capital ratio | 14.3942% | 4,855 |
| Memoranda: | ||
| Average total assets | $1,954,089,000 | 375 |
| Average earning assets | $1,787,274,000 | 368 |
| Average equity | $235,254,000 | 344 |
| Average total loans | $1,455,714,500 | 328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 4,320 |
| Cost of funding earning assets | 0.5658% | 2,969 |
| Net interest margin | 3.3740% | 4,388 |
| Noninterest income to average assets | 0.2542% | 5,530 |
| Noninterest expense to average assets | 2.0998% | 5,831 |
| Loan and lease loss provision to assets | 0.6991% | 330 |
| Net operating income to assets | 0.3281% | 5,421 |
| Return on assets (ROA) | 0.3281% | 5,530 |
| Pretax return on assets | 0.5290% | 5,106 |
| Return on Equity (ROE) | 2.7401% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.8594% | 4,911 |
| Net charge-offs to loans | 1.3813% | 353 |
| Credit loss provision to net charge-offs | 68.7475% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.2077% | 4,669 |
| Efficiency ratio | 63.0953% | 5,043 |
| Assets per employee ($millions) | 7.7319% | 538 |
| Cash dividends to net income (ytd only)* | 32.1417% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 943 |
| Loan loss allowance to noncurrent loans | 63.4494% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 6.2568% | 298 |
| Noncurrent loans to loans | 3.7682% | 789 |
| Net loans and leases to total assets | 71.9688% | 1,686 |
| Net loans and leases to deposits | 85.1320% | 1,796 |
| Net loans and leases to core deposits | 92.5234% | 1,729 |
| Total domestic deposits to total assets | 84.5379% | 3,946 |
| Equity capital to assets | 12.6025% | 1,464 |
| Core capital (leverage) ratio | 11.7431% | 1,796 |
| Tier 1 risk-based capital ratio | 14.3213% | 4,072 |
| Total risk-based capital ratio | 15.8013% | 3,862 |
| Memoranda: | ||
| Average total assets | $1,943,866,400 | 362 |
| Average earning assets | $1,770,873,600 | 358 |
| Average equity | $232,765,400 | 336 |
| Average total loans | $1,431,077,000 | 321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,916 |
| Cost of funding earning assets | 0.5891% | 2,907 |
| Net interest margin | 3.4654% | 4,032 |
| Noninterest income to average assets | 0.2729% | 5,491 |
| Noninterest expense to average assets | 2.0952% | 5,840 |
| Loan and lease loss provision to assets | 0.7936% | 247 |
| Net operating income to assets | 0.3227% | 5,529 |
| Return on assets (ROA) | 0.3227% | 5,651 |
| Pretax return on assets | 0.5432% | 5,223 |
| Return on Equity (ROE) | 2.7292% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.2269% | 4,986 |
| Net charge-offs to loans | 1.2166% | 448 |
| Credit loss provision to net charge-offs | 88.6345% | 2,665 |
| Earnings coverage of net charge-offs (x) | 1.4930% | 4,341 |
| Efficiency ratio | 61.0496% | 5,279 |
| Assets per employee ($millions) | 7.7115% | 530 |
| Cash dividends to net income (ytd only)* | 18.4056% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 634 |
| Loan loss allowance to noncurrent loans | 53.2425% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 6.4299% | 341 |
| Noncurrent loans to loans | 5.3911% | 515 |
| Net loans and leases to total assets | 66.6710% | 2,529 |
| Net loans and leases to deposits | 78.5162% | 2,583 |
| Net loans and leases to core deposits | 86.4080% | 2,359 |
| Total domestic deposits to total assets | 84.9136% | 3,786 |
| Equity capital to assets | 12.3079% | 1,705 |
| Core capital (leverage) ratio | 11.3060% | 2,195 |
| Tier 1 risk-based capital ratio | 15.2119% | 3,618 |
| Total risk-based capital ratio | 16.7117% | 3,445 |
| Memoranda: | ||
| Average total assets | $1,963,988,250 | 364 |
| Average earning assets | $1,790,390,250 | 357 |
| Average equity | $232,248,750 | 336 |
| Average total loans | $1,445,371,000 | 319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 3,500 |
| Cost of funding earning assets | 0.6041% | 2,901 |
| Net interest margin | 3.5563% | 3,536 |
| Noninterest income to average assets | 0.3069% | 5,254 |
| Noninterest expense to average assets | 2.1692% | 5,702 |
| Loan and lease loss provision to assets | 0.8459% | 243 |
| Net operating income to assets | 0.3121% | 5,559 |
| Return on assets (ROA) | 0.3121% | 5,706 |
| Pretax return on assets | 0.5277% | 5,276 |
| Return on Equity (ROE) | 2.6745% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.2426% | 4,847 |
| Net charge-offs to loans | 1.3930% | 403 |
| Credit loss provision to net charge-offs | 80.7740% | 2,609 |
| Earnings coverage of net charge-offs (x) | 1.3116% | 4,107 |
| Efficiency ratio | 61.2294% | 5,290 |
| Assets per employee ($millions) | 8.0670% | 447 |
| Cash dividends to net income (ytd only)* | 16.1499% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5930% | 886 |
| Loan loss allowance to noncurrent loans | 31.3357% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 8.8365% | 195 |
| Noncurrent loans to loans | 8.2751% | 238 |
| Net loans and leases to total assets | 70.9605% | 1,727 |
| Net loans and leases to deposits | 83.4932% | 1,869 |
| Net loans and leases to core deposits | 95.2185% | 1,422 |
| Total domestic deposits to total assets | 84.9895% | 3,896 |
| Equity capital to assets | 11.8890% | 1,983 |
| Core capital (leverage) ratio | 11.1341% | 2,223 |
| Tier 1 risk-based capital ratio | 13.9161% | 4,476 |
| Total risk-based capital ratio | 15.5339% | 4,191 |
| Memoranda: | ||
| Average total assets | $1,983,739,330 | 361 |
| Average earning assets | $1,805,032,000 | 354 |
| Average equity | $231,520,670 | 336 |
| Average total loans | $1,491,350,330 | 308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,799 |
| Cost of funding earning assets | 0.6356% | 2,782 |
| Net interest margin | 3.6866% | 2,907 |
| Noninterest income to average assets | 0.1844% | 6,155 |
| Noninterest expense to average assets | 2.3427% | 5,293 |
| Loan and lease loss provision to assets | 0.8599% | 242 |
| Net operating income to assets | 0.1926% | 5,916 |
| Return on assets (ROA) | 0.1926% | 6,025 |
| Pretax return on assets | 0.3245% | 5,790 |
| Return on Equity (ROE) | 1.6659% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.7991% | 5,517 |
| Net charge-offs to loans | 1.0963% | 548 |
| Credit loss provision to net charge-offs | 102.7791% | 1,788 |
| Earnings coverage of net charge-offs (x) | 1.4157% | 3,363 |
| Efficiency ratio | 66.4185% | 4,589 |
| Assets per employee ($millions) | 8.0279% | 481 |
| Cash dividends to net income (ytd only)* | 52.0291% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 1,024 |
| Loan loss allowance to noncurrent loans | 34.8793% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 9.1416% | 237 |
| Noncurrent loans to loans | 7.4166% | 377 |
| Net loans and leases to total assets | 75.2496% | 931 |
| Net loans and leases to deposits | 88.4479% | 1,102 |
| Net loans and leases to core deposits | 104.0664% | 714 |
| Total domestic deposits to total assets | 85.0779% | 4,003 |
| Equity capital to assets | 11.7919% | 2,180 |
| Core capital (leverage) ratio | 10.9354% | 2,316 |
| Tier 1 risk-based capital ratio | 12.9785% | 5,236 |
| Total risk-based capital ratio | 14.5756% | 4,945 |
| Memoranda: | ||
| Average total assets | $1,995,473,000 | 362 |
| Average earning assets | $1,809,347,500 | 354 |
| Average equity | $230,753,000 | 342 |
| Average total loans | $1,523,001,000 | 308 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 4,000 |
| Cost of funding earning assets | 0.8484% | 2,299 |
| Net interest margin | 3.5087% | 4,466 |
| Noninterest income to average assets | 0.1849% | 6,078 |
| Noninterest expense to average assets | 2.0587% | 6,211 |
| Loan and lease loss provision to assets | 0.7946% | 614 |
| Net operating income to assets | 0.3178% | 5,404 |
| Return on assets (ROA) | 0.3292% | 5,579 |
| Pretax return on assets | 0.5550% | 5,120 |
| Return on Equity (ROE) | 3.1575% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.9436% | 4,155 |
| Net charge-offs to loans | 0.8843% | 1,291 |
| Credit loss provision to net charge-offs | 122.7063% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.0567% | 4,385 |
| Efficiency ratio | 60.7198% | 5,423 |
| Assets per employee ($millions) | 8.1941% | 463 |
| Cash dividends to net income (ytd only)* | 6.7735% | 4,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5460% | 1,080 |
| Loan loss allowance to noncurrent loans | 44.4367% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 8.4065% | 316 |
| Noncurrent loans to loans | 5.7295% | 630 |
| Net loans and leases to total assets | 73.5106% | 1,259 |
| Net loans and leases to deposits | 85.8490% | 1,535 |
| Net loans and leases to core deposits | 100.8037% | 978 |
| Total domestic deposits to total assets | 85.6278% | 3,542 |
| Equity capital to assets | 11.3440% | 2,589 |
| Core capital (leverage) ratio | 10.3415% | 2,958 |
| Tier 1 risk-based capital ratio | 12.6501% | 5,363 |
| Total risk-based capital ratio | 14.2387% | 5,055 |
| Memoranda: | ||
| Average total assets | $2,179,749,600 | 328 |
| Average earning assets | $1,991,444,400 | 321 |
| Average equity | $227,239,200 | 334 |
| Average total loans | $1,596,196,600 | 290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 4,452 |
| Cost of funding earning assets | 0.8774% | 2,332 |
| Net interest margin | 3.4237% | 4,952 |
| Noninterest income to average assets | 0.1729% | 6,271 |
| Noninterest expense to average assets | 2.0062% | 6,345 |
| Loan and lease loss provision to assets | 0.7892% | 605 |
| Net operating income to assets | 0.3037% | 5,605 |
| Return on assets (ROA) | 0.3186% | 5,752 |
| Pretax return on assets | 0.5366% | 5,358 |
| Return on Equity (ROE) | 3.1186% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.8325% | 4,851 |
| Net charge-offs to loans | 1.0677% | 975 |
| Credit loss provision to net charge-offs | 101.6345% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.6774% | 4,433 |
| Efficiency ratio | 60.6341% | 5,390 |
| Assets per employee ($millions) | 8.5310% | 393 |
| Cash dividends to net income (ytd only)* | 9.1767% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 1,536 |
| Loan loss allowance to noncurrent loans | 28.8668% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 9.2349% | 289 |
| Noncurrent loans to loans | 7.9401% | 399 |
| Net loans and leases to total assets | 71.7358% | 1,595 |
| Net loans and leases to deposits | 83.6439% | 1,910 |
| Net loans and leases to core deposits | 98.2406% | 1,248 |
| Total domestic deposits to total assets | 85.7633% | 3,383 |
| Equity capital to assets | 10.6783% | 3,629 |
| Core capital (leverage) ratio | 9.8653% | 3,737 |
| Tier 1 risk-based capital ratio | 12.2916% | 5,773 |
| Total risk-based capital ratio | 13.8711% | 5,507 |
| Memoranda: | ||
| Average total assets | $2,216,651,750 | 324 |
| Average earning assets | $2,030,214,500 | 318 |
| Average equity | $226,417,500 | 335 |
| Average total loans | $1,612,029,250 | 288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 4,485 |
| Cost of funding earning assets | 0.9074% | 2,340 |
| Net interest margin | 3.4135% | 5,032 |
| Noninterest income to average assets | 0.1557% | 6,418 |
| Noninterest expense to average assets | 1.9738% | 6,487 |
| Loan and lease loss provision to assets | 0.7557% | 690 |
| Net operating income to assets | 0.3298% | 5,502 |
| Return on assets (ROA) | 0.3401% | 5,688 |
| Pretax return on assets | 0.5728% | 5,236 |
| Return on Equity (ROE) | 3.3783% | 5,534 |
| Retained earnings to average equity (ytd only) | 3.1648% | 4,513 |
| Net charge-offs to loans | 1.0950% | 993 |
| Credit loss provision to net charge-offs | 95.1792% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.6530% | 4,164 |
| Efficiency ratio | 60.0641% | 5,565 |
| Assets per employee ($millions) | 8.9440% | 323 |
| Cash dividends to net income (ytd only)* | 6.3221% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,683 |
| Loan loss allowance to noncurrent loans | 27.7501% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 8.4077% | 395 |
| Noncurrent loans to loans | 8.0879% | 420 |
| Net loans and leases to total assets | 69.4989% | 2,009 |
| Net loans and leases to deposits | 80.8656% | 2,253 |
| Net loans and leases to core deposits | 94.0882% | 1,592 |
| Total domestic deposits to total assets | 85.9437% | 3,381 |
| Equity capital to assets | 10.2506% | 3,991 |
| Core capital (leverage) ratio | 9.4688% | 4,179 |
| Tier 1 risk-based capital ratio | 12.2195% | 5,777 |
| Total risk-based capital ratio | 13.9243% | 5,414 |
| Memoranda: | ||
| Average total assets | $2,241,777,330 | 323 |
| Average earning assets | $2,055,917,000 | 309 |
| Average equity | $225,673,000 | 335 |
| Average total loans | $1,625,341,330 | 287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 4,386 |
| Cost of funding earning assets | 0.9307% | 2,439 |
| Net interest margin | 3.4549% | 4,891 |
| Noninterest income to average assets | 0.1798% | 6,301 |
| Noninterest expense to average assets | 1.9980% | 6,464 |
| Loan and lease loss provision to assets | 0.7401% | 686 |
| Net operating income to assets | 0.3583% | 5,438 |
| Return on assets (ROA) | 0.3635% | 5,595 |
| Pretax return on assets | 0.6123% | 5,073 |
| Return on Equity (ROE) | 3.6437% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.6437% | 4,391 |
| Net charge-offs to loans | 0.8250% | 1,245 |
| Credit loss provision to net charge-offs | 122.5750% | 1,948 |
| Earnings coverage of net charge-offs (x) | 2.2263% | 3,274 |
| Efficiency ratio | 59.7791% | 5,648 |
| Assets per employee ($millions) | 9.1886% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 1,759 |
| Loan loss allowance to noncurrent loans | 25.7487% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 9.2970% | 359 |
| Noncurrent loans to loans | 8.7794% | 403 |
| Net loans and leases to total assets | 69.7052% | 1,809 |
| Net loans and leases to deposits | 81.9251% | 1,944 |
| Net loans and leases to core deposits | 94.8553% | 1,384 |
| Total domestic deposits to total assets | 85.0840% | 3,997 |
| Equity capital to assets | 9.9513% | 4,187 |
| Core capital (leverage) ratio | 9.3578% | 4,268 |
| Tier 1 risk-based capital ratio | 11.7455% | 6,130 |
| Total risk-based capital ratio | 13.4363% | 5,811 |
| Memoranda: | ||
| Average total assets | $2,253,616,000 | 314 |
| Average earning assets | $2,062,905,000 | 303 |
| Average equity | $224,825,000 | 329 |
| Average total loans | $1,649,538,000 | 277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 5,557 |
| Cost of funding earning assets | 1.2672% | 1,646 |
| Net interest margin | 3.0962% | 6,357 |
| Noninterest income to average assets | 0.1946% | 6,109 |
| Noninterest expense to average assets | 1.8961% | 6,839 |
| Loan and lease loss provision to assets | 0.9473% | 1,016 |
| Net operating income to assets | 0.1105% | 5,847 |
| Return on assets (ROA) | 0.1168% | 5,949 |
| Pretax return on assets | 0.1890% | 5,817 |
| Return on Equity (ROE) | 1.2622% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.2397% | 5,272 |
| Net charge-offs to loans | 1.8772% | 766 |
| Credit loss provision to net charge-offs | 69.3438% | 4,875 |
| Earnings coverage of net charge-offs (x) | 0.8246% | 5,182 |
| Efficiency ratio | 62.7301% | 5,345 |
| Assets per employee ($millions) | 8.9150% | 340 |
| Cash dividends to net income (ytd only)* | 1.7794% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 1,925 |
| Loan loss allowance to noncurrent loans | 23.5083% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 9.7514% | 352 |
| Noncurrent loans to loans | 9.0677% | 387 |
| Net loans and leases to total assets | 73.4989% | 1,357 |
| Net loans and leases to deposits | 86.2790% | 1,634 |
| Net loans and leases to core deposits | 100.7570% | 1,113 |
| Total domestic deposits to total assets | 85.1875% | 3,747 |
| Equity capital to assets | 10.0014% | 4,168 |
| Core capital (leverage) ratio | 9.0790% | 4,650 |
| Tier 1 risk-based capital ratio | 11.2360% | 6,326 |
| Total risk-based capital ratio | 12.8117% | 6,107 |
| Memoranda: | ||
| Average total assets | $2,406,122,400 | 290 |
| Average earning assets | $2,197,752,800 | 284 |
| Average equity | $222,628,800 | 321 |
| Average total loans | $1,751,089,400 | 260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 5,892 |
| Cost of funding earning assets | 1.3186% | 1,600 |
| Net interest margin | 2.9983% | 6,584 |
| Noninterest income to average assets | 0.1952% | 6,201 |
| Noninterest expense to average assets | 1.8450% | 6,930 |
| Loan and lease loss provision to assets | 0.8229% | 1,130 |
| Net operating income to assets | 0.1634% | 5,791 |
| Return on assets (ROA) | 0.1717% | 5,896 |
| Pretax return on assets | 0.2782% | 5,753 |
| Return on Equity (ROE) | 1.8902% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.8902% | 5,196 |
| Net charge-offs to loans | 1.8924% | 691 |
| Credit loss provision to net charge-offs | 60.1872% | 4,807 |
| Earnings coverage of net charge-offs (x) | 0.7959% | 5,017 |
| Efficiency ratio | 62.9001% | 5,261 |
| Assets per employee ($millions) | 8.8687% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 2,025 |
| Loan loss allowance to noncurrent loans | 22.0369% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 10.6961% | 312 |
| Noncurrent loans to loans | 9.6161% | 374 |
| Net loans and leases to total assets | 71.6461% | 1,788 |
| Net loans and leases to deposits | 83.9928% | 1,998 |
| Net loans and leases to core deposits | 102.9242% | 1,044 |
| Total domestic deposits to total assets | 85.3003% | 3,618 |
| Equity capital to assets | 9.6949% | 4,785 |
| Core capital (leverage) ratio | 9.1824% | 4,655 |
| Tier 1 risk-based capital ratio | 11.3501% | 6,329 |
| Total risk-based capital ratio | 12.9203% | 6,119 |
| Memoranda: | ||
| Average total assets | $2,448,238,500 | 284 |
| Average earning assets | $2,235,720,750 | 280 |
| Average equity | $222,336,750 | 325 |
| Average total loans | $1,768,742,750 | 256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 6,100 |
| Cost of funding earning assets | 1.3853% | 1,481 |
| Net interest margin | 2.8873% | 6,809 |
| Noninterest income to average assets | 0.2031% | 6,213 |
| Noninterest expense to average assets | 1.7886% | 7,095 |
| Loan and lease loss provision to assets | 0.7373% | 1,261 |
| Net operating income to assets | 0.1957% | 5,754 |
| Return on assets (ROA) | 0.1994% | 5,858 |
| Pretax return on assets | 0.3229% | 5,617 |
| Return on Equity (ROE) | 2.2423% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.2423% | 4,867 |
| Net charge-offs to loans | 1.6218% | 903 |
| Credit loss provision to net charge-offs | 63.1876% | 4,265 |
| Earnings coverage of net charge-offs (x) | 0.9037% | 4,622 |
| Efficiency ratio | 62.9106% | 5,417 |
| Assets per employee ($millions) | 8.9610% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,718 |
| Loan loss allowance to noncurrent loans | 20.9298% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 10.8639% | 322 |
| Noncurrent loans to loans | 11.0649% | 312 |
| Net loans and leases to total assets | 72.5666% | 1,670 |
| Net loans and leases to deposits | 84.7163% | 1,988 |
| Net loans and leases to core deposits | 104.7028% | 1,006 |
| Total domestic deposits to total assets | 85.6584% | 3,516 |
| Equity capital to assets | 9.4887% | 4,828 |
| Core capital (leverage) ratio | 8.7278% | 5,179 |
| Tier 1 risk-based capital ratio | 11.0714% | 6,470 |
| Total risk-based capital ratio | 12.7244% | 6,174 |
| Memoranda: | ||
| Average total assets | $2,492,743,670 | 284 |
| Average earning assets | $2,279,293,670 | 276 |
| Average equity | $221,646,000 | 328 |
| Average total loans | $1,793,552,670 | 260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 6,093 |
| Cost of funding earning assets | 1.4122% | 1,552 |
| Net interest margin | 2.8601% | 6,818 |
| Noninterest income to average assets | 0.1440% | 6,692 |
| Noninterest expense to average assets | 1.7357% | 7,201 |
| Loan and lease loss provision to assets | 0.6779% | 1,259 |
| Net operating income to assets | 0.2258% | 5,700 |
| Return on assets (ROA) | 0.2235% | 5,769 |
| Pretax return on assets | 0.3457% | 5,524 |
| Return on Equity (ROE) | 2.5941% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.5941% | 4,607 |
| Net charge-offs to loans | 1.7768% | 732 |
| Credit loss provision to net charge-offs | 53.8328% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.8156% | 4,029 |
| Efficiency ratio | 62.8258% | 5,549 |
| Assets per employee ($millions) | 9.5927% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 1,668 |
| Loan loss allowance to noncurrent loans | 22.8053% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 9.5064% | 445 |
| Noncurrent loans to loans | 10.3301% | 377 |
| Net loans and leases to total assets | 69.0300% | 2,318 |
| Net loans and leases to deposits | 80.9745% | 2,534 |
| Net loans and leases to core deposits | 105.8279% | 949 |
| Total domestic deposits to total assets | 85.2490% | 3,923 |
| Equity capital to assets | 8.7465% | 5,582 |
| Core capital (leverage) ratio | 8.3404% | 5,728 |
| Tier 1 risk-based capital ratio | 10.7454% | 6,669 |
| Total risk-based capital ratio | 12.3891% | 6,373 |
| Memoranda: | ||
| Average total assets | $2,560,740,500 | 279 |
| Average earning assets | $2,344,662,000 | 271 |
| Average equity | $220,656,000 | 329 |
| Average total loans | $1,814,950,000 | 255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 6,082 |
| Cost of funding earning assets | 1.7788% | 1,260 |
| Net interest margin | 2.8304% | 6,994 |
| Noninterest income to average assets | 0.1215% | 6,802 |
| Noninterest expense to average assets | 1.5005% | 7,447 |
| Loan and lease loss provision to assets | 1.3557% | 1,117 |
| Net operating income to assets | -0.0835% | 5,966 |
| Return on assets (ROA) | -0.0310% | 5,994 |
| Pretax return on assets | -0.0807% | 5,984 |
| Return on Equity (ROE) | -0.3555% | 6,007 |
| Retained earnings to average equity (ytd only) | -1.0324% | 5,810 |
| Net charge-offs to loans | 1.4713% | 1,503 |
| Credit loss provision to net charge-offs | 122.7323% | 3,400 |
| Earnings coverage of net charge-offs (x) | 1.0800% | 5,033 |
| Efficiency ratio | 55.7081% | 6,630 |
| Assets per employee ($millions) | 9.6605% | 275 |
| Cash dividends to net income (ytd only)* | -190.3919% | 7,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4951% | 1,417 |
| Loan loss allowance to noncurrent loans | 22.3860% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 9.9418% | 416 |
| Noncurrent loans to loans | 11.1459% | 346 |
| Net loans and leases to total assets | 69.2798% | 2,711 |
| Net loans and leases to deposits | 81.0914% | 2,968 |
| Net loans and leases to core deposits | 109.8701% | 928 |
| Total domestic deposits to total assets | 85.4342% | 3,645 |
| Equity capital to assets | 8.4901% | 5,867 |
| Core capital (leverage) ratio | 7.8901% | 6,332 |
| Tier 1 risk-based capital ratio | 10.3331% | 6,804 |
| Total risk-based capital ratio | 11.9660% | 6,524 |
| Memoranda: | ||
| Average total assets | $2,549,994,600 | 280 |
| Average earning assets | $2,317,135,200 | 278 |
| Average equity | $222,497,200 | 319 |
| Average total loans | $1,914,403,400 | 249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 6,034 |
| Cost of funding earning assets | 1.8145% | 1,361 |
| Net interest margin | 2.8817% | 7,032 |
| Noninterest income to average assets | 0.1354% | 6,876 |
| Noninterest expense to average assets | 1.5109% | 7,545 |
| Loan and lease loss provision to assets | 1.6588% | 774 |
| Net operating income to assets | -0.2391% | 6,369 |
| Return on assets (ROA) | -0.1768% | 6,361 |
| Pretax return on assets | -0.3231% | 6,425 |
| Return on Equity (ROE) | -2.0122% | 6,404 |
| Retained earnings to average equity (ytd only) | -2.9119% | 6,337 |
| Net charge-offs to loans | 1.8537% | 1,036 |
| Credit loss provision to net charge-offs | 117.5919% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.8779% | 5,168 |
| Efficiency ratio | 54.9559% | 6,691 |
| Assets per employee ($millions) | 10.0932% | 255 |
| Cash dividends to net income (ytd only)* | -44.7150% | 7,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 1,524 |
| Loan loss allowance to noncurrent loans | 25.4730% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 8.2349% | 599 |
| Noncurrent loans to loans | 9.2793% | 496 |
| Net loans and leases to total assets | 67.7848% | 3,270 |
| Net loans and leases to deposits | 78.8182% | 3,667 |
| Net loans and leases to core deposits | 112.1217% | 929 |
| Total domestic deposits to total assets | 86.0015% | 3,073 |
| Equity capital to assets | 8.1087% | 6,705 |
| Core capital (leverage) ratio | 8.0965% | 6,204 |
| Tier 1 risk-based capital ratio | 10.0142% | 7,064 |
| Total risk-based capital ratio | 11.6386% | 6,838 |
| Memoranda: | ||
| Average total assets | $2,540,243,000 | 278 |
| Average earning assets | $2,304,315,000 | 274 |
| Average equity | $223,169,250 | 311 |
| Average total loans | $1,933,116,000 | 250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 5,613 |
| Cost of funding earning assets | 1.9141% | 1,190 |
| Net interest margin | 2.9337% | 6,964 |
| Noninterest income to average assets | 0.1316% | 6,930 |
| Noninterest expense to average assets | 1.5534% | 7,592 |
| Loan and lease loss provision to assets | 0.7992% | 1,809 |
| Net operating income to assets | 0.2746% | 5,281 |
| Return on assets (ROA) | 0.3296% | 5,227 |
| Pretax return on assets | 0.5160% | 4,857 |
| Return on Equity (ROE) | 3.6499% | 4,943 |
| Retained earnings to average equity (ytd only) | 2.6353% | 4,465 |
| Net charge-offs to loans | 0.9758% | 1,897 |
| Credit loss provision to net charge-offs | 104.3218% | 3,909 |
| Earnings coverage of net charge-offs (x) | 1.6046% | 4,291 |
| Efficiency ratio | 55.8235% | 6,658 |
| Assets per employee ($millions) | 9.4448% | 293 |
| Cash dividends to net income (ytd only)* | 27.7981% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,024 |
| Loan loss allowance to noncurrent loans | 21.1974% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 9.1056% | 487 |
| Noncurrent loans to loans | 9.7843% | 460 |
| Net loans and leases to total assets | 74.7207% | 1,759 |
| Net loans and leases to deposits | 88.1203% | 2,155 |
| Net loans and leases to core deposits | 125.7614% | 522 |
| Total domestic deposits to total assets | 84.7939% | 3,730 |
| Equity capital to assets | 8.9790% | 5,483 |
| Core capital (leverage) ratio | 8.6368% | 5,178 |
| Tier 1 risk-based capital ratio | 10.1603% | 6,935 |
| Total risk-based capital ratio | 11.8529% | 6,606 |
| Memoranda: | ||
| Average total assets | $2,488,697,330 | 284 |
| Average earning assets | $2,248,938,330 | 284 |
| Average equity | $224,719,330 | 314 |
| Average total loans | $1,953,840,000 | 250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 5,272 |
| Cost of funding earning assets | 2.0055% | 1,065 |
| Net interest margin | 2.9340% | 6,960 |
| Noninterest income to average assets | 0.1484% | 6,908 |
| Noninterest expense to average assets | 1.5939% | 7,662 |
| Loan and lease loss provision to assets | 0.7338% | 1,731 |
| Net operating income to assets | 0.2963% | 5,315 |
| Return on assets (ROA) | 0.3340% | 5,274 |
| Pretax return on assets | 0.5228% | 4,884 |
| Return on Equity (ROE) | 3.6880% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.4086% | 4,694 |
| Net charge-offs to loans | 0.9960% | 1,648 |
| Credit loss provision to net charge-offs | 92.5133% | 3,600 |
| Earnings coverage of net charge-offs (x) | 1.5100% | 3,828 |
| Efficiency ratio | 57.0973% | 6,618 |
| Assets per employee ($millions) | 9.3191% | 322 |
| Cash dividends to net income (ytd only)* | 34.6899% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 2,176 |
| Loan loss allowance to noncurrent loans | 22.9707% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 8.6546% | 535 |
| Noncurrent loans to loans | 8.7257% | 577 |
| Net loans and leases to total assets | 77.4663% | 1,256 |
| Net loans and leases to deposits | 91.6960% | 1,654 |
| Net loans and leases to core deposits | 130.0162% | 497 |
| Total domestic deposits to total assets | 84.4816% | 3,904 |
| Equity capital to assets | 9.0852% | 5,156 |
| Core capital (leverage) ratio | 8.8955% | 4,732 |
| Tier 1 risk-based capital ratio | 9.8772% | 7,109 |
| Total risk-based capital ratio | 11.5546% | 6,799 |
| Memoranda: | ||
| Average total assets | $2,472,166,500 | 297 |
| Average earning assets | $2,227,102,000 | 293 |
| Average equity | $223,864,000 | 318 |
| Average total loans | $1,968,668,500 | 255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 6,455 |
| Cost of funding earning assets | 2.7324% | 541 |
| Net interest margin | 2.2615% | 7,612 |
| Noninterest income to average assets | 0.1646% | 6,897 |
| Noninterest expense to average assets | 1.4042% | 7,840 |
| Loan and lease loss provision to assets | 1.5823% | 1,452 |
| Net operating income to assets | -0.4285% | 6,107 |
| Return on assets (ROA) | -0.1801% | 5,816 |
| Pretax return on assets | -0.3389% | 5,867 |
| Return on Equity (ROE) | -2.0760% | 5,869 |
| Retained earnings to average equity (ytd only) | -2.3700% | 5,587 |
| Net charge-offs to loans | 1.0477% | 2,314 |
| Credit loss provision to net charge-offs | 190.6061% | 2,097 |
| Earnings coverage of net charge-offs (x) | 1.0302% | 5,082 |
| Efficiency ratio | 62.1091% | 6,134 |
| Assets per employee ($millions) | 9.3742% | 319 |
| Cash dividends to net income (ytd only)* | -14.1633% | 7,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 2,058 |
| Loan loss allowance to noncurrent loans | 21.4197% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 8.7247% | 467 |
| Noncurrent loans to loans | 9.2886% | 470 |
| Net loans and leases to total assets | 78.6188% | 1,261 |
| Net loans and leases to deposits | 92.7988% | 1,768 |
| Net loans and leases to core deposits | 113.8427% | 2,514 |
| Total domestic deposits to total assets | 84.7196% | 3,701 |
| Equity capital to assets | 9.0256% | 5,105 |
| Core capital (leverage) ratio | 8.3944% | 5,451 |
| Tier 1 risk-based capital ratio | 9.7263% | 7,077 |
| Total risk-based capital ratio | 11.2958% | 6,802 |
| Memoranda: | ||
| Average total assets | $2,591,584,400 | 284 |
| Average earning assets | $2,400,493,800 | 276 |
| Average equity | $224,811,800 | 319 |
| Average total loans | $2,053,353,800 | 254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 6,690 |
| Cost of funding earning assets | 2.7819% | 626 |
| Net interest margin | 2.1904% | 7,716 |
| Noninterest income to average assets | 0.1674% | 7,013 |
| Noninterest expense to average assets | 1.3212% | 7,955 |
| Loan and lease loss provision to assets | 1.2406% | 1,563 |
| Net operating income to assets | -0.2874% | 6,182 |
| Return on assets (ROA) | 0.0962% | 5,528 |
| Pretax return on assets | 0.1174% | 5,488 |
| Return on Equity (ROE) | 1.1197% | 5,454 |
| Retained earnings to average equity (ytd only) | 0.7283% | 4,880 |
| Net charge-offs to loans | 1.2293% | 1,665 |
| Credit loss provision to net charge-offs | 127.7490% | 3,929 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 5,140 |
| Efficiency ratio | 59.6922% | 6,457 |
| Assets per employee ($millions) | 10.0053% | 269 |
| Cash dividends to net income (ytd only)* | 34.9550% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,888 |
| Loan loss allowance to noncurrent loans | 12.8469% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 8.9602% | 432 |
| Noncurrent loans to loans | 9.6736% | 420 |
| Net loans and leases to total assets | 76.1152% | 1,979 |
| Net loans and leases to deposits | 89.2559% | 2,730 |
| Net loans and leases to core deposits | 112.4791% | 2,972 |
| Total domestic deposits to total assets | 85.2775% | 3,085 |
| Equity capital to assets | 8.6369% | 6,059 |
| Core capital (leverage) ratio | 8.2677% | 5,887 |
| Tier 1 risk-based capital ratio | 9.5094% | 7,365 |
| Total risk-based capital ratio | 10.9162% | 7,223 |
| Memoranda: | ||
| Average total assets | $2,620,786,000 | 291 |
| Average earning assets | $2,445,601,750 | 285 |
| Average equity | $225,174,000 | 327 |
| Average total loans | $2,070,408,250 | 265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 6,538 |
| Cost of funding earning assets | 2.8101% | 764 |
| Net interest margin | 2.2618% | 7,703 |
| Noninterest income to average assets | 0.1666% | 7,087 |
| Noninterest expense to average assets | 1.3479% | 8,039 |
| Loan and lease loss provision to assets | 1.3691% | 1,262 |
| Net operating income to assets | -0.3145% | 6,338 |
| Return on assets (ROA) | 0.1600% | 5,482 |
| Pretax return on assets | 0.2201% | 5,414 |
| Return on Equity (ROE) | 1.8654% | 5,350 |
| Retained earnings to average equity (ytd only) | 1.4764% | 4,504 |
| Net charge-offs to loans | 0.9357% | 1,845 |
| Credit loss provision to net charge-offs | 183.7064% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.2602% | 4,588 |
| Efficiency ratio | 58.8826% | 6,710 |
| Assets per employee ($millions) | 9.5664% | 297 |
| Cash dividends to net income (ytd only)* | 20.8513% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 3,908 |
| Loan loss allowance to noncurrent loans | 20.5903% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 5.9332% | 819 |
| Noncurrent loans to loans | 6.6321% | 778 |
| Net loans and leases to total assets | 77.8703% | 1,774 |
| Net loans and leases to deposits | 91.7308% | 2,515 |
| Net loans and leases to core deposits | 114.8717% | 2,823 |
| Total domestic deposits to total assets | 84.8901% | 3,321 |
| Equity capital to assets | 8.5380% | 5,993 |
| Core capital (leverage) ratio | 8.1450% | 6,088 |
| Tier 1 risk-based capital ratio | 9.2729% | 7,561 |
| Total risk-based capital ratio | 10.8635% | 7,257 |
| Memoranda: | ||
| Average total assets | $2,613,919,330 | 298 |
| Average earning assets | $2,450,553,330 | 291 |
| Average equity | $224,187,670 | 331 |
| Average total loans | $2,081,945,670 | 274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 6,305 |
| Cost of funding earning assets | 2.8615% | 847 |
| Net interest margin | 2.3358% | 7,682 |
| Noninterest income to average assets | 0.1704% | 7,086 |
| Noninterest expense to average assets | 1.2846% | 8,086 |
| Loan and lease loss provision to assets | 1.5977% | 784 |
| Net operating income to assets | -0.4991% | 6,874 |
| Return on assets (ROA) | 0.0814% | 6,202 |
| Pretax return on assets | 0.0841% | 6,199 |
| Return on Equity (ROE) | 0.9467% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.6584% | 5,398 |
| Net charge-offs to loans | 0.5979% | 1,981 |
| Credit loss provision to net charge-offs | 334.0262% | 1,484 |
| Earnings coverage of net charge-offs (x) | 2.2651% | 3,602 |
| Efficiency ratio | 54.1955% | 7,201 |
| Assets per employee ($millions) | 9.3136% | 327 |
| Cash dividends to net income (ytd only)* | 30.4511% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 4,008 |
| Loan loss allowance to noncurrent loans | 28.2560% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 4.0749% | 1,257 |
| Noncurrent loans to loans | 4.6441% | 1,212 |
| Net loans and leases to total assets | 78.5100% | 1,695 |
| Net loans and leases to deposits | 92.1818% | 2,561 |
| Net loans and leases to core deposits | 114.5884% | 2,946 |
| Total domestic deposits to total assets | 85.1686% | 3,123 |
| Equity capital to assets | 8.5368% | 6,015 |
| Core capital (leverage) ratio | 8.0148% | 6,421 |
| Tier 1 risk-based capital ratio | 9.1363% | 7,714 |
| Total risk-based capital ratio | 10.6566% | 7,460 |
| Memoranda: | ||
| Average total assets | $2,615,063,500 | 297 |
| Average earning assets | $2,460,364,000 | 292 |
| Average equity | $224,790,500 | 330 |
| Average total loans | $2,091,997,500 | 272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 6,616 |
| Cost of funding earning assets | 3.0903% | 1,534 |
| Net interest margin | 2.6555% | 7,567 |
| Noninterest income to average assets | 0.1858% | 7,120 |
| Noninterest expense to average assets | 1.3073% | 8,117 |
| Loan and lease loss provision to assets | 0.3472% | 3,621 |
| Net operating income to assets | 0.6792% | 3,988 |
| Return on assets (ROA) | 0.7101% | 3,679 |
| Pretax return on assets | 1.0807% | 3,094 |
| Return on Equity (ROE) | 7.8608% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.7099% | 2,833 |
| Net charge-offs to loans | 0.5283% | 2,251 |
| Credit loss provision to net charge-offs | 84.2931% | 5,797 |
| Earnings coverage of net charge-offs (x) | 3.3537% | 4,406 |
| Efficiency ratio | 48.5776% | 7,759 |
| Assets per employee ($millions) | 8.9181% | 355 |
| Cash dividends to net income (ytd only)* | 52.8052% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,391 |
| Loan loss allowance to noncurrent loans | 33.1939% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 2.6217% | 1,827 |
| Noncurrent loans to loans | 2.8669% | 1,885 |
| Net loans and leases to total assets | 79.6772% | 1,732 |
| Net loans and leases to deposits | 93.6470% | 2,825 |
| Net loans and leases to core deposits | 115.5735% | 3,165 |
| Total domestic deposits to total assets | 85.0824% | 2,804 |
| Equity capital to assets | 8.6553% | 5,866 |
| Core capital (leverage) ratio | 8.3663% | 5,824 |
| Tier 1 risk-based capital ratio | 9.1643% | 7,650 |
| Total risk-based capital ratio | 10.3691% | 7,661 |
| Memoranda: | ||
| Average total assets | $2,382,216,800 | 310 |
| Average earning assets | $2,245,196,200 | 300 |
| Average equity | $215,180,400 | 350 |
| Average total loans | $1,856,984,400 | 291 |