Home > Peapack-Gladstone Bank > Performance and Condition Ratios
Peapack-Gladstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 2,275 |
| Cost of funding earning assets | 2.2768% | 565 |
| Net interest margin | 2.6225% | 3,939 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 2.2750% | 2,912 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.8454% | 2,724 |
| Return on assets (ROA) | 0.8476% | 2,691 |
| Pretax return on assets | 1.1673% | 2,221 |
| Return on Equity (ROE) | 8.1100% | 2,991 |
| Retained earnings to average equity (ytd only) | 2.5680% | 3,419 |
| Net charge-offs to loans | 0.1681% | 626 |
| Credit loss provision to net charge-offs | 155.6117% | 1,442 |
| Earnings coverage of net charge-offs (x) | 9.8179% | 2,270 |
| Efficiency ratio | 62.1986% | 2,810 |
| Assets per employee ($millions) | 12.7163% | 348 |
| Cash dividends to net income (ytd only)* | 68.3354% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,224 |
| Loan loss allowance to noncurrent loans | 107.4424% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 526 |
| Noncurrent loans to loans | 1.1281% | 637 |
| Net loans and leases to total assets | 82.9700% | 348 |
| Net loans and leases to deposits | 101.3881% | 463 |
| Net loans and leases to core deposits | 106.1258% | 1,104 |
| Total domestic deposits to total assets | 81.8300% | 3,161 |
| Equity capital to assets | 10.6708% | 1,643 |
| Core capital (leverage) ratio | 10.8336% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7254% | 1,621 |
| Memoranda: | ||
| Average total assets | $6,459,597,600 | 227 |
| Average earning assets | $6,205,169,400 | 215 |
| Average equity | $675,115,000 | 219 |
| Average total loans | $5,411,834,400 | 196 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 2,234 |
| Cost of funding earning assets | 2.1387% | 560 |
| Net interest margin | 2.6744% | 3,913 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.2644% | 2,905 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.9274% | 2,595 |
| Return on assets (ROA) | 0.9208% | 2,601 |
| Pretax return on assets | 1.2751% | 2,108 |
| Return on Equity (ROE) | 8.8600% | 2,962 |
| Retained earnings to average equity (ytd only) | 3.0137% | 3,504 |
| Net charge-offs to loans | 0.0323% | 1,433 |
| Credit loss provision to net charge-offs | 692.1434% | 513 |
| Earnings coverage of net charge-offs (x) | 54.3196% | 1,263 |
| Efficiency ratio | 60.6258% | 2,897 |
| Assets per employee ($millions) | 12.6562% | 322 |
| Cash dividends to net income (ytd only)* | 65.9721% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,111 |
| Loan loss allowance to noncurrent loans | 94.6776% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 427 |
| Noncurrent loans to loans | 1.3188% | 581 |
| Net loans and leases to total assets | 83.2300% | 346 |
| Net loans and leases to deposits | 102.7503% | 400 |
| Net loans and leases to core deposits | 107.3609% | 962 |
| Total domestic deposits to total assets | 81.0000% | 3,388 |
| Equity capital to assets | 10.2703% | 1,662 |
| Core capital (leverage) ratio | 10.7497% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4705% | 1,723 |
| Memoranda: | ||
| Average total assets | $6,456,342,750 | 230 |
| Average earning assets | $6,200,573,250 | 215 |
| Average equity | $671,223,000 | 220 |
| Average total loans | $5,405,763,000 | 195 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 2,204 |
| Cost of funding earning assets | 1.9148% | 584 |
| Net interest margin | 2.7852% | 3,843 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.2568% | 2,932 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0672% | 2,216 |
| Return on assets (ROA) | 1.0672% | 2,214 |
| Pretax return on assets | 1.4603% | 1,675 |
| Return on Equity (ROE) | 10.2200% | 2,637 |
| Retained earnings to average equity (ytd only) | 3.5509% | 3,333 |
| Net charge-offs to loans | 0.0467% | 1,042 |
| Credit loss provision to net charge-offs | 249.4024% | 959 |
| Earnings coverage of net charge-offs (x) | 40.0008% | 1,397 |
| Efficiency ratio | 59.1267% | 3,064 |
| Assets per employee ($millions) | 12.4545% | 336 |
| Cash dividends to net income (ytd only)* | 65.2680% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,706 |
| Loan loss allowance to noncurrent loans | 181.7244% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,023 |
| Noncurrent loans to loans | 0.6332% | 1,177 |
| Net loans and leases to total assets | 83.1700% | 318 |
| Net loans and leases to deposits | 103.2584% | 392 |
| Net loans and leases to core deposits | 106.6815% | 960 |
| Total domestic deposits to total assets | 80.5500% | 3,491 |
| Equity capital to assets | 10.4585% | 1,620 |
| Core capital (leverage) ratio | 10.8009% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9337% | 1,590 |
| Memoranda: | ||
| Average total assets | $6,435,801,333 | 225 |
| Average earning assets | $6,184,817,667 | 213 |
| Average equity | $671,826,667 | 214 |
| Average total loans | $5,376,538,333 | 187 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 2,148 |
| Cost of funding earning assets | 1.6131% | 681 |
| Net interest margin | 2.9578% | 3,681 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.1960% | 3,110 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2254% | 1,872 |
| Return on assets (ROA) | 1.2357% | 1,805 |
| Pretax return on assets | 1.6817% | 1,309 |
| Return on Equity (ROE) | 11.8500% | 2,257 |
| Retained earnings to average equity (ytd only) | 11.8486% | 1,299 |
| Net charge-offs to loans | 0.0032% | 1,894 |
| Credit loss provision to net charge-offs | 3,404.6512% | 134 |
| Earnings coverage of net charge-offs (x) | 657.5814% | 176 |
| Efficiency ratio | 55.4688% | 3,460 |
| Assets per employee ($millions) | 12.6559% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,781 |
| Loan loss allowance to noncurrent loans | 217.2093% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 1,155 |
| Noncurrent loans to loans | 0.5327% | 1,390 |
| Net loans and leases to total assets | 82.0600% | 371 |
| Net loans and leases to deposits | 100.0850% | 443 |
| Net loans and leases to core deposits | 102.3364% | 990 |
| Total domestic deposits to total assets | 81.9900% | 3,487 |
| Equity capital to assets | 10.5352% | 1,548 |
| Core capital (leverage) ratio | 11.0261% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1844% | 1,579 |
| Memoranda: | ||
| Average total assets | $6,415,528,000 | 233 |
| Average earning assets | $6,168,616,000 | 219 |
| Average equity | $669,076,000 | 219 |
| Average total loans | $5,340,200,500 | 196 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 2,868 |
| Cost of funding earning assets | 0.5120% | 1,309 |
| Net interest margin | 3.0628% | 3,282 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 2.1454% | 3,172 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3861% | 1,168 |
| Return on assets (ROA) | 1.2799% | 1,456 |
| Pretax return on assets | 1.7614% | 798 |
| Return on Equity (ROE) | 12.2500% | 2,058 |
| Retained earnings to average equity (ytd only) | 8.6871% | 1,572 |
| Net charge-offs to loans | 0.0241% | 1,578 |
| Credit loss provision to net charge-offs | 477.9757% | 700 |
| Earnings coverage of net charge-offs (x) | 100.0704% | 973 |
| Efficiency ratio | 51.7724% | 4,003 |
| Assets per employee ($millions) | 12.9882% | 305 |
| Cash dividends to net income (ytd only)* | 29.0584% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,660 |
| Loan loss allowance to noncurrent loans | 320.5913% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 1,655 |
| Noncurrent loans to loans | 0.3579% | 1,862 |
| Net loans and leases to total assets | 82.5000% | 370 |
| Net loans and leases to deposits | 100.5062% | 421 |
| Net loans and leases to core deposits | 104.0405% | 820 |
| Total domestic deposits to total assets | 82.0900% | 3,615 |
| Equity capital to assets | 10.3207% | 1,546 |
| Core capital (leverage) ratio | 10.8534% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6654% | 1,744 |
| Memoranda: | ||
| Average total assets | $6,183,949,600 | 233 |
| Average earning assets | $5,926,907,200 | 224 |
| Average equity | $646,369,400 | 225 |
| Average total loans | $5,130,362,800 | 189 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 3,062 |
| Cost of funding earning assets | 0.3522% | 1,681 |
| Net interest margin | 2.9934% | 3,234 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.1603% | 3,041 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3854% | 1,129 |
| Return on assets (ROA) | 1.2424% | 1,522 |
| Pretax return on assets | 1.6887% | 922 |
| Return on Equity (ROE) | 11.8500% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.1919% | 1,290 |
| Net charge-offs to loans | 0.0073% | 1,875 |
| Credit loss provision to net charge-offs | 1,366.9065% | 323 |
| Earnings coverage of net charge-offs (x) | 325.7302% | 445 |
| Efficiency ratio | 52.3586% | 3,978 |
| Assets per employee ($millions) | 12.7860% | 319 |
| Cash dividends to net income (ytd only)* | 13.9775% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,792 |
| Loan loss allowance to noncurrent loans | 379.5663% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 1,919 |
| Noncurrent loans to loans | 0.3030% | 2,157 |
| Net loans and leases to total assets | 84.2700% | 222 |
| Net loans and leases to deposits | 96.7466% | 513 |
| Net loans and leases to core deposits | 100.9115% | 781 |
| Total domestic deposits to total assets | 87.1100% | 2,728 |
| Equity capital to assets | 10.6105% | 1,326 |
| Core capital (leverage) ratio | 10.7942% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6932% | 1,812 |
| Memoranda: | ||
| Average total assets | $6,142,127,750 | 236 |
| Average earning assets | $5,885,107,750 | 222 |
| Average equity | $644,089,250 | 226 |
| Average total loans | $5,087,735,500 | 190 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 3,202 |
| Cost of funding earning assets | 0.2515% | 2,244 |
| Net interest margin | 2.8906% | 3,196 |
| Noninterest income to average assets | 1.3306% | 399 |
| Noninterest expense to average assets | 2.1516% | 2,990 |
| Loan and lease loss provision to assets | 0.1241% | 790 |
| Net operating income to assets | 1.3650% | 988 |
| Return on assets (ROA) | 1.1658% | 1,528 |
| Pretax return on assets | 1.5700% | 1,007 |
| Return on Equity (ROE) | 11.1606% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.6743% | 1,379 |
| Net charge-offs to loans | 0.0108% | 1,577 |
| Credit loss provision to net charge-offs | 1,144.1606% | 370 |
| Earnings coverage of net charge-offs (x) | 218.8029% | 516 |
| Efficiency ratio | 52.5057% | 4,087 |
| Assets per employee ($millions) | 13.0286% | 289 |
| Cash dividends to net income (ytd only)* | 22.2773% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,974 |
| Loan loss allowance to noncurrent loans | 391.4445% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 2,092 |
| Noncurrent loans to loans | 0.2917% | 2,303 |
| Net loans and leases to total assets | 83.1012% | 229 |
| Net loans and leases to deposits | 94.3348% | 502 |
| Net loans and leases to core deposits | 98.5813% | 737 |
| Total domestic deposits to total assets | 88.0918% | 2,539 |
| Equity capital to assets | 10.3839% | 1,489 |
| Core capital (leverage) ratio | 10.4193% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3112% | 1,934 |
| Memoranda: | ||
| Average total assets | $6,160,790,333 | 228 |
| Average earning assets | $5,897,961,000 | 224 |
| Average equity | $643,530,000 | 224 |
| Average total loans | $5,054,104,333 | 187 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 3,250 |
| Cost of funding earning assets | 0.2145% | 2,603 |
| Net interest margin | 2.7879% | 3,177 |
| Noninterest income to average assets | 1.4275% | 375 |
| Noninterest expense to average assets | 2.1984% | 2,843 |
| Loan and lease loss provision to assets | 0.1541% | 509 |
| Net operating income to assets | 1.3221% | 958 |
| Return on assets (ROA) | 0.9484% | 2,070 |
| Pretax return on assets | 1.2606% | 1,616 |
| Return on Equity (ROE) | 9.0531% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.0531% | 1,259 |
| Net charge-offs to loans | 0.0211% | 1,119 |
| Credit loss provision to net charge-offs | 942.8030% | 351 |
| Earnings coverage of net charge-offs (x) | 110.2311% | 641 |
| Efficiency ratio | 53.8021% | 4,070 |
| Assets per employee ($millions) | 13.0866% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,176 |
| Loan loss allowance to noncurrent loans | 367.5774% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 2,129 |
| Noncurrent loans to loans | 0.3085% | 2,352 |
| Net loans and leases to total assets | 81.3823% | 187 |
| Net loans and leases to deposits | 94.2171% | 351 |
| Net loans and leases to core deposits | 98.7939% | 549 |
| Total domestic deposits to total assets | 86.3775% | 3,142 |
| Equity capital to assets | 10.2489% | 1,723 |
| Core capital (leverage) ratio | 10.2930% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6445% | 2,369 |
| Memoranda: | ||
| Average total assets | $6,166,428,500 | 233 |
| Average earning assets | $5,880,486,000 | 227 |
| Average equity | $646,014,000 | 229 |
| Average total loans | $4,996,484,500 | 190 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7849% | 4,222 |
| Cost of funding earning assets | 0.2609% | 2,799 |
| Net interest margin | 2.5240% | 4,160 |
| Noninterest income to average assets | 1.2123% | 721 |
| Noninterest expense to average assets | 2.0779% | 3,444 |
| Loan and lease loss provision to assets | 0.1080% | 1,170 |
| Net operating income to assets | 1.0549% | 2,466 |
| Return on assets (ROA) | 1.0492% | 2,561 |
| Pretax return on assets | 1.4392% | 1,917 |
| Return on Equity (ROE) | 10.1498% | 2,476 |
| Retained earnings to average equity (ytd only) | 10.1498% | 881 |
| Net charge-offs to loans | 0.2643% | 338 |
| Credit loss provision to net charge-offs | 53.5700% | 2,113 |
| Earnings coverage of net charge-offs (x) | 7.7094% | 2,335 |
| Efficiency ratio | 57.2062% | 3,554 |
| Assets per employee ($millions) | 12.5309% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,482 |
| Loan loss allowance to noncurrent loans | 299.8931% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,873 |
| Noncurrent loans to loans | 0.4247% | 2,075 |
| Net loans and leases to total assets | 78.6858% | 340 |
| Net loans and leases to deposits | 90.3274% | 553 |
| Net loans and leases to core deposits | 94.9780% | 731 |
| Total domestic deposits to total assets | 87.1118% | 2,470 |
| Equity capital to assets | 10.7103% | 2,005 |
| Core capital (leverage) ratio | 9.9949% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0529% | 2,223 |
| Memoranda: | ||
| Average total assets | $5,994,670,400 | 229 |
| Average earning assets | $5,747,635,000 | 220 |
| Average equity | $619,685,600 | 236 |
| Average total loans | $4,573,664,800 | 199 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7485% | 4,362 |
| Cost of funding earning assets | 0.2677% | 2,926 |
| Net interest margin | 2.4808% | 4,312 |
| Noninterest income to average assets | 1.1957% | 795 |
| Noninterest expense to average assets | 2.0769% | 3,428 |
| Loan and lease loss provision to assets | 0.0608% | 1,780 |
| Net operating income to assets | 1.0526% | 2,720 |
| Return on assets (ROA) | 1.0474% | 2,806 |
| Pretax return on assets | 1.4283% | 2,218 |
| Return on Equity (ROE) | 10.2262% | 2,652 |
| Retained earnings to average equity (ytd only) | 10.2262% | 1,255 |
| Net charge-offs to loans | 0.1450% | 565 |
| Credit loss provision to net charge-offs | 55.6009% | 1,827 |
| Earnings coverage of net charge-offs (x) | 13.6735% | 1,915 |
| Efficiency ratio | 58.1351% | 3,242 |
| Assets per employee ($millions) | 13.0013% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,956 |
| Loan loss allowance to noncurrent loans | 206.4241% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 1,513 |
| Noncurrent loans to loans | 0.6866% | 1,605 |
| Net loans and leases to total assets | 72.5973% | 816 |
| Net loans and leases to deposits | 83.6336% | 986 |
| Net loans and leases to core deposits | 87.9901% | 1,151 |
| Total domestic deposits to total assets | 86.8040% | 2,430 |
| Equity capital to assets | 10.1983% | 2,711 |
| Core capital (leverage) ratio | 10.1511% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2618% | 2,273 |
| Memoranda: | ||
| Average total assets | $5,973,968,000 | 232 |
| Average earning assets | $5,723,766,750 | 223 |
| Average equity | $611,877,500 | 237 |
| Average total loans | $4,506,128,000 | 203 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7668% | 4,390 |
| Cost of funding earning assets | 0.2839% | 2,935 |
| Net interest margin | 2.4829% | 4,331 |
| Noninterest income to average assets | 1.2139% | 789 |
| Noninterest expense to average assets | 2.0770% | 3,461 |
| Loan and lease loss provision to assets | 0.0382% | 2,230 |
| Net operating income to assets | 1.0788% | 2,609 |
| Return on assets (ROA) | 1.0728% | 2,713 |
| Pretax return on assets | 1.4676% | 2,115 |
| Return on Equity (ROE) | 10.4587% | 2,598 |
| Retained earnings to average equity (ytd only) | 10.4587% | 1,263 |
| Net charge-offs to loans | 0.2202% | 395 |
| Credit loss provision to net charge-offs | 22.8241% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.0349% | 1,855 |
| Efficiency ratio | 57.8490% | 3,307 |
| Assets per employee ($millions) | 12.2979% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 2,038 |
| Loan loss allowance to noncurrent loans | 547.9292% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,947 |
| Noncurrent loans to loans | 0.2528% | 3,037 |
| Net loans and leases to total assets | 78.0427% | 444 |
| Net loans and leases to deposits | 91.4123% | 571 |
| Net loans and leases to core deposits | 96.8153% | 772 |
| Total domestic deposits to total assets | 85.3745% | 2,954 |
| Equity capital to assets | 10.7439% | 2,193 |
| Core capital (leverage) ratio | 10.1270% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6192% | 2,117 |
| Memoranda: | ||
| Average total assets | $5,885,088,667 | 234 |
| Average earning assets | $5,633,012,667 | 222 |
| Average equity | $603,691,333 | 237 |
| Average total loans | $4,476,288,667 | 206 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6955% | 4,485 |
| Cost of funding earning assets | 0.3032% | 2,957 |
| Net interest margin | 2.3923% | 4,420 |
| Noninterest income to average assets | 1.2197% | 830 |
| Noninterest expense to average assets | 2.1114% | 3,389 |
| Loan and lease loss provision to assets | 0.0152% | 2,584 |
| Net operating income to assets | 1.0236% | 2,733 |
| Return on assets (ROA) | 1.0095% | 2,869 |
| Pretax return on assets | 1.3638% | 2,384 |
| Return on Equity (ROE) | 10.0738% | 2,669 |
| Retained earnings to average equity (ytd only) | 10.0738% | 1,631 |
| Net charge-offs to loans | -0.0002% | 3,001 |
| Credit loss provision to net charge-offs | -11,250.0000% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1838% | 3,010 |
| Assets per employee ($millions) | 12.5964% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,531 |
| Loan loss allowance to noncurrent loans | 388.2718% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 2,679 |
| Noncurrent loans to loans | 0.3917% | 2,696 |
| Net loans and leases to total assets | 73.2377% | 881 |
| Net loans and leases to deposits | 86.4620% | 927 |
| Net loans and leases to core deposits | 92.0708% | 1,109 |
| Total domestic deposits to total assets | 84.7051% | 3,220 |
| Equity capital to assets | 9.9752% | 2,729 |
| Core capital (leverage) ratio | 9.9483% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0401% | 1,885 |
| Memoranda: | ||
| Average total assets | $5,931,475,500 | 233 |
| Average earning assets | $5,674,532,500 | 220 |
| Average equity | $594,375,500 | 238 |
| Average total loans | $4,422,440,000 | 211 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 4,646 |
| Cost of funding earning assets | 0.5963% | 2,340 |
| Net interest margin | 2.3843% | 4,664 |
| Noninterest income to average assets | 1.0554% | 955 |
| Noninterest expense to average assets | 2.1289% | 3,874 |
| Loan and lease loss provision to assets | 0.5562% | 392 |
| Net operating income to assets | 0.5263% | 3,970 |
| Return on assets (ROA) | 0.5302% | 4,053 |
| Pretax return on assets | 0.6513% | 3,977 |
| Return on Equity (ROE) | 5.3487% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.0972% | 3,295 |
| Net charge-offs to loans | 0.1940% | 884 |
| Credit loss provision to net charge-offs | 369.5677% | 1,526 |
| Earnings coverage of net charge-offs (x) | 7.9913% | 2,645 |
| Efficiency ratio | 63.9000% | 2,842 |
| Assets per employee ($millions) | 12.2500% | 307 |
| Cash dividends to net income (ytd only)* | 42.0944% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,489 |
| Loan loss allowance to noncurrent loans | 337.6085% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 2,633 |
| Noncurrent loans to loans | 0.4526% | 2,615 |
| Net loans and leases to total assets | 73.6090% | 1,078 |
| Net loans and leases to deposits | 87.8574% | 1,099 |
| Net loans and leases to core deposits | 94.1569% | 1,239 |
| Total domestic deposits to total assets | 83.7824% | 3,174 |
| Equity capital to assets | 10.0668% | 3,069 |
| Core capital (leverage) ratio | 9.7070% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8052% | 1,925 |
| Memoranda: | ||
| Average total assets | $5,825,154,600 | 224 |
| Average earning assets | $5,561,067,400 | 217 |
| Average equity | $577,388,400 | 238 |
| Average total loans | $4,518,206,800 | 202 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0579% | 4,694 |
| Cost of funding earning assets | 0.6655% | 2,226 |
| Net interest margin | 2.3925% | 4,728 |
| Noninterest income to average assets | 1.0796% | 894 |
| Noninterest expense to average assets | 1.9521% | 4,250 |
| Loan and lease loss provision to assets | 0.6898% | 311 |
| Net operating income to assets | 0.6040% | 3,751 |
| Return on assets (ROA) | 0.6103% | 3,831 |
| Pretax return on assets | 0.7298% | 3,827 |
| Return on Equity (ROE) | 6.1812% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.1586% | 3,448 |
| Net charge-offs to loans | 0.2223% | 686 |
| Credit loss provision to net charge-offs | 396.3857% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.1153% | 2,524 |
| Efficiency ratio | 58.0241% | 3,660 |
| Assets per employee ($millions) | 12.6643% | 285 |
| Cash dividends to net income (ytd only)* | 48.8998% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,435 |
| Loan loss allowance to noncurrent loans | 355.4081% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 2,903 |
| Noncurrent loans to loans | 0.4174% | 2,806 |
| Net loans and leases to total assets | 73.7999% | 1,400 |
| Net loans and leases to deposits | 90.1206% | 1,248 |
| Net loans and leases to core deposits | 97.7434% | 1,326 |
| Total domestic deposits to total assets | 81.8901% | 3,452 |
| Equity capital to assets | 9.8569% | 3,372 |
| Core capital (leverage) ratio | 9.6812% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5830% | 1,969 |
| Memoranda: | ||
| Average total assets | $5,808,378,000 | 222 |
| Average earning assets | $5,546,900,500 | 214 |
| Average equity | $573,445,000 | 238 |
| Average total loans | $4,546,622,250 | 201 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1630% | 4,744 |
| Cost of funding earning assets | 0.7588% | 2,060 |
| Net interest margin | 2.4042% | 4,792 |
| Noninterest income to average assets | 0.9312% | 1,100 |
| Noninterest expense to average assets | 1.9721% | 4,292 |
| Loan and lease loss provision to assets | 0.8645% | 265 |
| Net operating income to assets | 0.4020% | 4,229 |
| Return on assets (ROA) | 0.4132% | 4,271 |
| Pretax return on assets | 0.4030% | 4,404 |
| Return on Equity (ROE) | 4.1829% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.0196% | 4,093 |
| Net charge-offs to loans | 0.1097% | 1,195 |
| Credit loss provision to net charge-offs | 991.6368% | 799 |
| Earnings coverage of net charge-offs (x) | 14.4098% | 1,944 |
| Efficiency ratio | 61.0864% | 3,265 |
| Assets per employee ($millions) | 13.4702% | 225 |
| Cash dividends to net income (ytd only)* | 75.6239% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,785 |
| Loan loss allowance to noncurrent loans | 247.4623% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 2,601 |
| Noncurrent loans to loans | 0.5448% | 2,541 |
| Net loans and leases to total assets | 77.0078% | 998 |
| Net loans and leases to deposits | 99.3787% | 589 |
| Net loans and leases to core deposits | 108.1182% | 809 |
| Total domestic deposits to total assets | 77.4893% | 4,257 |
| Equity capital to assets | 9.1424% | 3,969 |
| Core capital (leverage) ratio | 9.7890% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2093% | 2,099 |
| Memoranda: | ||
| Average total assets | $5,760,424,333 | 220 |
| Average earning assets | $5,503,934,333 | 211 |
| Average equity | $569,024,333 | 239 |
| Average total loans | $4,575,866,000 | 196 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4568% | 4,677 |
| Cost of funding earning assets | 0.9463% | 1,660 |
| Net interest margin | 2.5105% | 4,819 |
| Noninterest income to average assets | 1.0410% | 784 |
| Noninterest expense to average assets | 2.0383% | 4,328 |
| Loan and lease loss provision to assets | 1.4540% | 109 |
| Net operating income to assets | 0.1700% | 4,572 |
| Return on assets (ROA) | 0.1814% | 4,560 |
| Pretax return on assets | -0.0401% | 4,753 |
| Return on Equity (ROE) | 1.7614% | 4,497 |
| Retained earnings to average equity (ytd only) | -1.0625% | 4,149 |
| Net charge-offs to loans | -0.0097% | 4,070 |
| Credit loss provision to net charge-offs | -18,691.5888% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2899% | 3,831 |
| Assets per employee ($millions) | 12.5836% | 209 |
| Cash dividends to net income (ytd only)* | 160.3206% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,537 |
| Loan loss allowance to noncurrent loans | 217.5113% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,485 |
| Noncurrent loans to loans | 0.6640% | 2,329 |
| Net loans and leases to total assets | 74.7004% | 1,506 |
| Net loans and leases to deposits | 97.7559% | 748 |
| Net loans and leases to core deposits | 108.4643% | 925 |
| Total domestic deposits to total assets | 76.4153% | 4,430 |
| Equity capital to assets | 9.7016% | 4,039 |
| Core capital (leverage) ratio | 10.2778% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5846% | 2,445 |
| Memoranda: | ||
| Average total assets | $5,502,080,000 | 222 |
| Average earning assets | $5,252,907,500 | 212 |
| Average equity | $566,598,500 | 243 |
| Average total loans | $4,413,832,500 | 201 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 4,467 |
| Cost of funding earning assets | 1.1926% | 1,036 |
| Net interest margin | 2.6892% | 4,844 |
| Noninterest income to average assets | 1.1259% | 744 |
| Noninterest expense to average assets | 2.1480% | 4,273 |
| Loan and lease loss provision to assets | 0.0825% | 2,358 |
| Net operating income to assets | 1.0680% | 2,588 |
| Return on assets (ROA) | 1.0699% | 2,675 |
| Pretax return on assets | 1.4797% | 1,869 |
| Return on Equity (ROE) | 9.2885% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,112 |
| Net charge-offs to loans | -0.0287% | 4,701 |
| Credit loss provision to net charge-offs | -341.2969% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9318% | 3,973 |
| Assets per employee ($millions) | 11.6098% | 255 |
| Cash dividends to net income (ytd only)* | 59.7694% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,575 |
| Loan loss allowance to noncurrent loans | 151.2275% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,213 |
| Noncurrent loans to loans | 0.6546% | 2,253 |
| Net loans and leases to total assets | 84.3577% | 293 |
| Net loans and leases to deposits | 102.5844% | 437 |
| Net loans and leases to core deposits | 114.3306% | 659 |
| Total domestic deposits to total assets | 82.2325% | 3,448 |
| Equity capital to assets | 10.9689% | 3,029 |
| Core capital (leverage) ratio | 10.6310% | 2,826 |
| Tier 1 risk-based capital ratio | 12.7040% | 3,946 |
| Total risk-based capital ratio | 13.7552% | 3,949 |
| Memoranda: | ||
| Average total assets | $4,847,640,800 | 234 |
| Average earning assets | $4,654,226,000 | 224 |
| Average equity | $558,389,800 | 229 |
| Average total loans | $4,089,258,800 | 203 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 4,480 |
| Cost of funding earning assets | 1.2266% | 960 |
| Net interest margin | 2.7111% | 4,933 |
| Noninterest income to average assets | 1.0915% | 768 |
| Noninterest expense to average assets | 2.1723% | 4,232 |
| Loan and lease loss provision to assets | 0.0574% | 2,750 |
| Net operating income to assets | 1.0738% | 2,671 |
| Return on assets (ROA) | 1.0773% | 2,751 |
| Pretax return on assets | 1.4694% | 2,047 |
| Return on Equity (ROE) | 9.2332% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.8351% | 1,935 |
| Net charge-offs to loans | -0.0341% | 4,735 |
| Credit loss provision to net charge-offs | -199.8051% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7976% | 3,826 |
| Assets per employee ($millions) | 11.2091% | 256 |
| Cash dividends to net income (ytd only)* | 25.9720% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,587 |
| Loan loss allowance to noncurrent loans | 141.5104% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 2,190 |
| Noncurrent loans to loans | 0.7050% | 2,193 |
| Net loans and leases to total assets | 83.8488% | 370 |
| Net loans and leases to deposits | 101.5699% | 527 |
| Net loans and leases to core deposits | 112.8651% | 804 |
| Total domestic deposits to total assets | 82.5528% | 3,301 |
| Equity capital to assets | 11.6754% | 2,535 |
| Core capital (leverage) ratio | 11.0818% | 2,573 |
| Tier 1 risk-based capital ratio | 13.1987% | 3,739 |
| Total risk-based capital ratio | 14.2258% | 3,761 |
| Memoranda: | ||
| Average total assets | $4,765,061,250 | 239 |
| Average earning assets | $4,574,984,000 | 227 |
| Average equity | $555,996,250 | 232 |
| Average total loans | $4,008,652,250 | 207 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,503 |
| Cost of funding earning assets | 1.2114% | 958 |
| Net interest margin | 2.7240% | 4,984 |
| Noninterest income to average assets | 1.0451% | 792 |
| Noninterest expense to average assets | 2.1882% | 4,248 |
| Loan and lease loss provision to assets | 0.0530% | 2,757 |
| Net operating income to assets | 1.0634% | 2,667 |
| Return on assets (ROA) | 1.0677% | 2,719 |
| Pretax return on assets | 1.4283% | 2,110 |
| Return on Equity (ROE) | 9.1524% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.1524% | 990 |
| Net charge-offs to loans | -0.0019% | 3,943 |
| Credit loss provision to net charge-offs | -3,378.3784% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7195% | 3,775 |
| Assets per employee ($millions) | 11.3448% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,705 |
| Loan loss allowance to noncurrent loans | 127.7400% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 2,126 |
| Noncurrent loans to loans | 0.7725% | 2,056 |
| Net loans and leases to total assets | 82.0400% | 607 |
| Net loans and leases to deposits | 97.2801% | 911 |
| Net loans and leases to core deposits | 107.3840% | 1,149 |
| Total domestic deposits to total assets | 84.3338% | 2,747 |
| Equity capital to assets | 11.5937% | 2,527 |
| Core capital (leverage) ratio | 11.5406% | 2,126 |
| Tier 1 risk-based capital ratio | 13.7918% | 3,428 |
| Total risk-based capital ratio | 14.8213% | 3,441 |
| Memoranda: | ||
| Average total assets | $4,713,150,670 | 243 |
| Average earning assets | $4,531,566,000 | 230 |
| Average equity | $549,821,000 | 235 |
| Average total loans | $3,955,668,000 | 208 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 4,371 |
| Cost of funding earning assets | 1.1959% | 915 |
| Net interest margin | 2.8009% | 4,989 |
| Noninterest income to average assets | 1.0069% | 794 |
| Noninterest expense to average assets | 2.2043% | 4,247 |
| Loan and lease loss provision to assets | 0.0086% | 3,325 |
| Net operating income to assets | 1.0879% | 2,520 |
| Return on assets (ROA) | 1.0919% | 2,547 |
| Pretax return on assets | 1.4934% | 1,793 |
| Return on Equity (ROE) | 9.3298% | 2,659 |
| Retained earnings to average equity (ytd only) | 9.3298% | 1,214 |
| Net charge-offs to loans | -0.0050% | 4,028 |
| Credit loss provision to net charge-offs | -204.0816% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5562% | 3,871 |
| Assets per employee ($millions) | 10.8841% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,771 |
| Loan loss allowance to noncurrent loans | 155.2828% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 2,501 |
| Noncurrent loans to loans | 0.6380% | 2,419 |
| Net loans and leases to total assets | 82.9187% | 478 |
| Net loans and leases to deposits | 98.2493% | 767 |
| Net loans and leases to core deposits | 109.5604% | 957 |
| Total domestic deposits to total assets | 84.3963% | 2,904 |
| Equity capital to assets | 11.8051% | 2,151 |
| Core capital (leverage) ratio | 11.2494% | 2,341 |
| Tier 1 risk-based capital ratio | 14.0572% | 3,313 |
| Total risk-based capital ratio | 15.1047% | 3,331 |
| Memoranda: | ||
| Average total assets | $4,636,268,000 | 246 |
| Average earning assets | $4,459,759,500 | 234 |
| Average equity | $542,603,500 | 238 |
| Average total loans | $3,917,198,000 | 214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,514 |
| Cost of funding earning assets | 0.9408% | 964 |
| Net interest margin | 2.8490% | 4,973 |
| Noninterest income to average assets | 1.0180% | 913 |
| Noninterest expense to average assets | 2.2284% | 4,280 |
| Loan and lease loss provision to assets | 0.0811% | 2,508 |
| Net operating income to assets | 1.1123% | 2,543 |
| Return on assets (ROA) | 1.1053% | 2,571 |
| Pretax return on assets | 1.4403% | 1,987 |
| Return on Equity (ROE) | 9.6175% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.6175% | 702 |
| Net charge-offs to loans | 0.0394% | 2,616 |
| Credit loss provision to net charge-offs | 238.8964% | 1,239 |
| Earnings coverage of net charge-offs (x) | 45.1050% | 1,206 |
| Efficiency ratio | 59.2874% | 3,972 |
| Assets per employee ($millions) | 11.2815% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,818 |
| Loan loss allowance to noncurrent loans | 149.7336% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,382 |
| Noncurrent loans to loans | 0.6538% | 2,361 |
| Net loans and leases to total assets | 84.4048% | 379 |
| Net loans and leases to deposits | 99.6346% | 773 |
| Net loans and leases to core deposits | 110.8806% | 951 |
| Total domestic deposits to total assets | 84.7144% | 2,765 |
| Equity capital to assets | 11.6008% | 2,176 |
| Core capital (leverage) ratio | 11.3162% | 2,256 |
| Tier 1 risk-based capital ratio | 13.5552% | 3,519 |
| Total risk-based capital ratio | 14.5897% | 3,528 |
| Memoranda: | ||
| Average total assets | $4,380,001,000 | 248 |
| Average earning assets | $4,213,644,400 | 237 |
| Average equity | $503,352,600 | 239 |
| Average total loans | $3,776,035,800 | 214 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,554 |
| Cost of funding earning assets | 0.8805% | 1,000 |
| Net interest margin | 2.8673% | 5,017 |
| Noninterest income to average assets | 1.0298% | 901 |
| Noninterest expense to average assets | 2.2251% | 4,266 |
| Loan and lease loss provision to assets | 0.0632% | 2,711 |
| Net operating income to assets | 1.1425% | 2,471 |
| Return on assets (ROA) | 1.1318% | 2,536 |
| Pretax return on assets | 1.4874% | 1,939 |
| Return on Equity (ROE) | 9.8738% | 2,680 |
| Retained earnings to average equity (ytd only) | 9.8738% | 961 |
| Net charge-offs to loans | 0.0427% | 2,240 |
| Credit loss provision to net charge-offs | 171.2615% | 1,559 |
| Earnings coverage of net charge-offs (x) | 42.3534% | 1,306 |
| Efficiency ratio | 58.7218% | 4,005 |
| Assets per employee ($millions) | 10.7059% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,891 |
| Loan loss allowance to noncurrent loans | 347.8176% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,732 |
| Noncurrent loans to loans | 0.2819% | 3,676 |
| Net loans and leases to total assets | 84.9595% | 361 |
| Net loans and leases to deposits | 102.4856% | 619 |
| Net loans and leases to core deposits | 130.9800% | 312 |
| Total domestic deposits to total assets | 82.8990% | 3,344 |
| Equity capital to assets | 11.7462% | 2,071 |
| Core capital (leverage) ratio | 11.3439% | 2,293 |
| Tier 1 risk-based capital ratio | 13.6499% | 3,550 |
| Total risk-based capital ratio | 14.6902% | 3,576 |
| Memoranda: | ||
| Average total assets | $4,321,470,000 | 248 |
| Average earning assets | $4,159,040,750 | 237 |
| Average equity | $495,371,500 | 239 |
| Average total loans | $3,736,782,500 | 215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 4,538 |
| Cost of funding earning assets | 0.8077% | 1,097 |
| Net interest margin | 2.9118% | 4,999 |
| Noninterest income to average assets | 1.0302% | 909 |
| Noninterest expense to average assets | 2.2379% | 4,283 |
| Loan and lease loss provision to assets | 0.0724% | 2,440 |
| Net operating income to assets | 1.1671% | 2,322 |
| Return on assets (ROA) | 1.1629% | 2,342 |
| Pretax return on assets | 1.5190% | 1,749 |
| Return on Equity (ROE) | 10.2321% | 2,461 |
| Retained earnings to average equity (ytd only) | 10.2321% | 860 |
| Net charge-offs to loans | -0.0041% | 4,054 |
| Credit loss provision to net charge-offs | -2,039.4737% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3607% | 4,177 |
| Assets per employee ($millions) | 10.8172% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,708 |
| Loan loss allowance to noncurrent loans | 316.5572% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 3,487 |
| Noncurrent loans to loans | 0.3227% | 3,549 |
| Net loans and leases to total assets | 86.5520% | 224 |
| Net loans and leases to deposits | 104.2982% | 514 |
| Net loans and leases to core deposits | 132.3416% | 291 |
| Total domestic deposits to total assets | 82.9851% | 3,413 |
| Equity capital to assets | 11.8124% | 1,982 |
| Core capital (leverage) ratio | 11.2657% | 2,288 |
| Tier 1 risk-based capital ratio | 14.1187% | 3,305 |
| Total risk-based capital ratio | 15.2325% | 3,295 |
| Memoranda: | ||
| Average total assets | $4,284,546,670 | 245 |
| Average earning assets | $4,126,371,670 | 235 |
| Average equity | $486,956,000 | 242 |
| Average total loans | $3,714,742,670 | 211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 4,738 |
| Cost of funding earning assets | 0.7205% | 1,338 |
| Net interest margin | 2.8625% | 5,082 |
| Noninterest income to average assets | 0.9584% | 1,005 |
| Noninterest expense to average assets | 2.1602% | 4,506 |
| Loan and lease loss provision to assets | 0.1164% | 1,629 |
| Net operating income to assets | 1.1121% | 2,369 |
| Return on assets (ROA) | 1.1064% | 2,409 |
| Pretax return on assets | 1.4320% | 1,895 |
| Return on Equity (ROE) | 9.9283% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.9283% | 1,182 |
| Net charge-offs to loans | -0.0006% | 3,744 |
| Credit loss provision to net charge-offs | -20,833.3333% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1352% | 4,321 |
| Assets per employee ($millions) | 11.1981% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,863 |
| Loan loss allowance to noncurrent loans | 283.1305% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,419 |
| Noncurrent loans to loans | 0.3587% | 3,486 |
| Net loans and leases to total assets | 84.7787% | 357 |
| Net loans and leases to deposits | 102.9551% | 539 |
| Net loans and leases to core deposits | 131.8544% | 304 |
| Total domestic deposits to total assets | 82.3453% | 3,861 |
| Equity capital to assets | 11.2562% | 2,340 |
| Core capital (leverage) ratio | 11.0048% | 2,432 |
| Tier 1 risk-based capital ratio | 13.7035% | 3,543 |
| Total risk-based capital ratio | 14.8099% | 3,530 |
| Memoranda: | ||
| Average total assets | $4,295,827,000 | 246 |
| Average earning assets | $4,138,224,000 | 234 |
| Average equity | $478,713,000 | 247 |
| Average total loans | $3,708,663,500 | 212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 4,764 |
| Cost of funding earning assets | 0.6181% | 1,486 |
| Net interest margin | 2.8985% | 5,044 |
| Noninterest income to average assets | 0.8477% | 1,414 |
| Noninterest expense to average assets | 2.0823% | 4,800 |
| Loan and lease loss provision to assets | 0.1432% | 1,584 |
| Net operating income to assets | 0.9533% | 2,432 |
| Return on assets (ROA) | 0.9533% | 2,464 |
| Pretax return on assets | 1.4215% | 1,921 |
| Return on Equity (ROE) | 9.6370% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.6370% | 402 |
| Net charge-offs to loans | 0.0455% | 2,877 |
| Credit loss provision to net charge-offs | 361.5575% | 816 |
| Earnings coverage of net charge-offs (x) | 39.5031% | 1,272 |
| Efficiency ratio | 57.0959% | 4,641 |
| Assets per employee ($millions) | 11.0885% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,033 |
| Loan loss allowance to noncurrent loans | 269.3274% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,394 |
| Noncurrent loans to loans | 0.3651% | 3,462 |
| Net loans and leases to total assets | 86.1713% | 244 |
| Net loans and leases to deposits | 98.8081% | 838 |
| Net loans and leases to core deposits | 124.7632% | 464 |
| Total domestic deposits to total assets | 87.2108% | 1,896 |
| Equity capital to assets | 11.0292% | 2,602 |
| Core capital (leverage) ratio | 10.6090% | 2,730 |
| Tier 1 risk-based capital ratio | 13.2656% | 3,755 |
| Total risk-based capital ratio | 14.3427% | 3,762 |
| Memoranda: | ||
| Average total assets | $4,084,876,000 | 247 |
| Average earning assets | $3,944,947,000 | 234 |
| Average equity | $404,086,800 | 267 |
| Average total loans | $3,559,055,600 | 211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 4,829 |
| Cost of funding earning assets | 0.5937% | 1,575 |
| Net interest margin | 2.8991% | 5,086 |
| Noninterest income to average assets | 0.7924% | 1,619 |
| Noninterest expense to average assets | 2.0083% | 4,933 |
| Loan and lease loss provision to assets | 0.1386% | 1,542 |
| Net operating income to assets | 0.9227% | 2,908 |
| Return on assets (ROA) | 0.9227% | 2,973 |
| Pretax return on assets | 1.4465% | 1,957 |
| Return on Equity (ROE) | 9.6188% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.6188% | 674 |
| Net charge-offs to loans | 0.0187% | 3,119 |
| Credit loss provision to net charge-offs | 851.9270% | 413 |
| Earnings coverage of net charge-offs (x) | 97.4580% | 699 |
| Efficiency ratio | 55.8894% | 4,757 |
| Assets per employee ($millions) | 10.9903% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 4,190 |
| Loan loss allowance to noncurrent loans | 233.7151% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 3,543 |
| Noncurrent loans to loans | 0.4188% | 3,448 |
| Net loans and leases to total assets | 87.0029% | 204 |
| Net loans and leases to deposits | 98.9037% | 834 |
| Net loans and leases to core deposits | 126.2792% | 402 |
| Total domestic deposits to total assets | 87.9672% | 1,381 |
| Equity capital to assets | 9.9759% | 3,935 |
| Core capital (leverage) ratio | 9.6252% | 4,012 |
| Tier 1 risk-based capital ratio | 11.8631% | 4,721 |
| Total risk-based capital ratio | 12.9230% | 4,734 |
| Memoranda: | ||
| Average total assets | $4,041,596,250 | 250 |
| Average earning assets | $3,904,724,750 | 236 |
| Average equity | $387,703,250 | 274 |
| Average total loans | $3,522,416,750 | 214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 5,023 |
| Cost of funding earning assets | 0.5527% | 1,763 |
| Net interest margin | 2.8042% | 5,237 |
| Noninterest income to average assets | 0.7601% | 1,725 |
| Noninterest expense to average assets | 1.9559% | 5,067 |
| Loan and lease loss provision to assets | 0.1902% | 981 |
| Net operating income to assets | 0.8580% | 3,126 |
| Return on assets (ROA) | 0.8580% | 3,175 |
| Pretax return on assets | 1.3227% | 2,299 |
| Return on Equity (ROE) | 9.0699% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.0699% | 818 |
| Net charge-offs to loans | 0.0148% | 2,950 |
| Credit loss provision to net charge-offs | 1,478.5992% | 296 |
| Earnings coverage of net charge-offs (x) | 117.6381% | 583 |
| Efficiency ratio | 56.3851% | 4,782 |
| Assets per employee ($millions) | 11.3492% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 4,292 |
| Loan loss allowance to noncurrent loans | 228.5431% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 3,568 |
| Noncurrent loans to loans | 0.4266% | 3,487 |
| Net loans and leases to total assets | 87.1746% | 190 |
| Net loans and leases to deposits | 101.1205% | 668 |
| Net loans and leases to core deposits | 107.6941% | 1,122 |
| Total domestic deposits to total assets | 86.2086% | 2,290 |
| Equity capital to assets | 9.4745% | 4,426 |
| Core capital (leverage) ratio | 9.7627% | 3,821 |
| Tier 1 risk-based capital ratio | 11.8298% | 4,743 |
| Total risk-based capital ratio | 12.9080% | 4,744 |
| Memoranda: | ||
| Average total assets | $3,996,686,670 | 254 |
| Average earning assets | $3,860,457,000 | 238 |
| Average equity | $378,063,000 | 284 |
| Average total loans | $3,473,410,000 | 218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 5,061 |
| Cost of funding earning assets | 0.5313% | 1,852 |
| Net interest margin | 2.7963% | 5,246 |
| Noninterest income to average assets | 0.7177% | 1,878 |
| Noninterest expense to average assets | 1.9534% | 5,144 |
| Loan and lease loss provision to assets | 0.1636% | 1,097 |
| Net operating income to assets | 0.8814% | 2,853 |
| Return on assets (ROA) | 0.8814% | 2,905 |
| Pretax return on assets | 1.2972% | 2,244 |
| Return on Equity (ROE) | 9.3255% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.3255% | 975 |
| Net charge-offs to loans | 0.0235% | 2,293 |
| Credit loss provision to net charge-offs | 808.0808% | 388 |
| Earnings coverage of net charge-offs (x) | 72.1616% | 706 |
| Efficiency ratio | 57.2139% | 4,810 |
| Assets per employee ($millions) | 11.0887% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 4,413 |
| Loan loss allowance to noncurrent loans | 292.4134% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 3,957 |
| Noncurrent loans to loans | 0.3341% | 3,908 |
| Net loans and leases to total assets | 86.2854% | 204 |
| Net loans and leases to deposits | 98.9669% | 686 |
| Net loans and leases to core deposits | 105.4418% | 1,142 |
| Total domestic deposits to total assets | 87.1860% | 2,117 |
| Equity capital to assets | 9.5831% | 4,199 |
| Core capital (leverage) ratio | 9.6145% | 3,973 |
| Tier 1 risk-based capital ratio | 11.9757% | 4,732 |
| Total risk-based capital ratio | 13.0464% | 4,761 |
| Memoranda: | ||
| Average total assets | $3,912,446,000 | 259 |
| Average earning assets | $3,772,738,500 | 245 |
| Average equity | $369,780,500 | 287 |
| Average total loans | $3,376,755,000 | 224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3734% | 5,033 |
| Cost of funding earning assets | 0.5452% | 1,744 |
| Net interest margin | 2.8282% | 5,247 |
| Noninterest income to average assets | 0.7963% | 1,753 |
| Noninterest expense to average assets | 2.0574% | 5,084 |
| Loan and lease loss provision to assets | 0.2074% | 1,093 |
| Net operating income to assets | 0.7730% | 3,439 |
| Return on assets (ROA) | 0.7751% | 3,531 |
| Pretax return on assets | 1.2479% | 2,479 |
| Return on Equity (ROE) | 8.7888% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.7888% | 632 |
| Net charge-offs to loans | 0.0362% | 3,305 |
| Credit loss provision to net charge-offs | 653.3101% | 530 |
| Earnings coverage of net charge-offs (x) | 45.7456% | 1,069 |
| Efficiency ratio | 58.6263% | 4,771 |
| Assets per employee ($millions) | 11.4714% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,468 |
| Loan loss allowance to noncurrent loans | 285.9375% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 4,054 |
| Noncurrent loans to loans | 0.3399% | 3,918 |
| Net loans and leases to total assets | 84.6336% | 328 |
| Net loans and leases to deposits | 95.8758% | 1,008 |
| Net loans and leases to core deposits | 124.4282% | 374 |
| Total domestic deposits to total assets | 88.2742% | 1,500 |
| Equity capital to assets | 9.3173% | 4,455 |
| Core capital (leverage) ratio | 9.3082% | 4,341 |
| Tier 1 risk-based capital ratio | 11.8158% | 4,849 |
| Total risk-based capital ratio | 12.8727% | 4,880 |
| Memoranda: | ||
| Average total assets | $3,616,938,200 | 260 |
| Average earning assets | $3,469,694,000 | 247 |
| Average equity | $318,998,400 | 307 |
| Average total loans | $3,171,851,800 | 219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 5,029 |
| Cost of funding earning assets | 0.5474% | 1,725 |
| Net interest margin | 2.8497% | 5,267 |
| Noninterest income to average assets | 0.7930% | 1,790 |
| Noninterest expense to average assets | 2.0857% | 5,031 |
| Loan and lease loss provision to assets | 0.2252% | 901 |
| Net operating income to assets | 0.7540% | 3,587 |
| Return on assets (ROA) | 0.7568% | 3,704 |
| Pretax return on assets | 1.2191% | 2,758 |
| Return on Equity (ROE) | 8.7157% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.7157% | 904 |
| Net charge-offs to loans | 0.0527% | 2,611 |
| Credit loss provision to net charge-offs | 483.8710% | 730 |
| Earnings coverage of net charge-offs (x) | 30.9339% | 1,459 |
| Efficiency ratio | 59.1589% | 4,668 |
| Assets per employee ($millions) | 11.0013% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,720 |
| Loan loss allowance to noncurrent loans | 282.4354% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 4,214 |
| Noncurrent loans to loans | 0.3319% | 4,067 |
| Net loans and leases to total assets | 85.7380% | 269 |
| Net loans and leases to deposits | 97.6875% | 884 |
| Net loans and leases to core deposits | 129.5709% | 308 |
| Total domestic deposits to total assets | 87.7677% | 1,518 |
| Equity capital to assets | 9.1795% | 4,994 |
| Core capital (leverage) ratio | 9.4052% | 4,321 |
| Tier 1 risk-based capital ratio | 11.7430% | 4,956 |
| Total risk-based capital ratio | 12.7833% | 4,981 |
| Memoranda: | ||
| Average total assets | $3,551,840,250 | 261 |
| Average earning assets | $3,405,861,750 | 250 |
| Average equity | $308,432,500 | 316 |
| Average total loans | $3,136,381,750 | 223 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 5,042 |
| Cost of funding earning assets | 0.5527% | 1,678 |
| Net interest margin | 2.8644% | 5,319 |
| Noninterest income to average assets | 0.7816% | 1,801 |
| Noninterest expense to average assets | 2.1625% | 4,925 |
| Loan and lease loss provision to assets | 0.2243% | 923 |
| Net operating income to assets | 0.7080% | 3,747 |
| Return on assets (ROA) | 0.7124% | 3,885 |
| Pretax return on assets | 1.1461% | 3,000 |
| Return on Equity (ROE) | 8.3771% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.3771% | 1,049 |
| Net charge-offs to loans | 0.0347% | 2,756 |
| Credit loss provision to net charge-offs | 726.2570% | 493 |
| Earnings coverage of net charge-offs (x) | 44.1546% | 1,088 |
| Efficiency ratio | 61.3305% | 4,457 |
| Assets per employee ($millions) | 10.7266% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,926 |
| Loan loss allowance to noncurrent loans | 363.0140% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,516 |
| Noncurrent loans to loans | 0.2505% | 4,456 |
| Net loans and leases to total assets | 88.3461% | 122 |
| Net loans and leases to deposits | 102.0124% | 563 |
| Net loans and leases to core deposits | 139.2034% | 192 |
| Total domestic deposits to total assets | 86.6033% | 2,111 |
| Equity capital to assets | 9.2173% | 5,055 |
| Core capital (leverage) ratio | 9.2076% | 4,583 |
| Tier 1 risk-based capital ratio | 11.5614% | 5,111 |
| Total risk-based capital ratio | 12.5786% | 5,163 |
| Memoranda: | ||
| Average total assets | $3,477,969,670 | 266 |
| Average earning assets | $3,332,284,330 | 256 |
| Average equity | $295,781,670 | 322 |
| Average total loans | $3,093,209,000 | 224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,107 |
| Cost of funding earning assets | 0.5487% | 1,722 |
| Net interest margin | 2.8621% | 5,379 |
| Noninterest income to average assets | 0.7219% | 1,928 |
| Noninterest expense to average assets | 2.2332% | 4,823 |
| Loan and lease loss provision to assets | 0.1991% | 987 |
| Net operating income to assets | 0.6467% | 3,992 |
| Return on assets (ROA) | 0.6543% | 4,076 |
| Pretax return on assets | 1.0435% | 3,307 |
| Return on Equity (ROE) | 8.0498% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.0498% | 1,438 |
| Net charge-offs to loans | 0.0310% | 2,331 |
| Credit loss provision to net charge-offs | 723.4043% | 475 |
| Earnings coverage of net charge-offs (x) | 44.7149% | 946 |
| Efficiency ratio | 64.4676% | 4,047 |
| Assets per employee ($millions) | 10.6961% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 5,093 |
| Loan loss allowance to noncurrent loans | 375.3916% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 4,616 |
| Noncurrent loans to loans | 0.2371% | 4,584 |
| Net loans and leases to total assets | 87.7781% | 126 |
| Net loans and leases to deposits | 99.8887% | 629 |
| Net loans and leases to core deposits | 137.8846% | 186 |
| Total domestic deposits to total assets | 87.8759% | 1,708 |
| Equity capital to assets | 8.1246% | 5,775 |
| Core capital (leverage) ratio | 8.1355% | 5,694 |
| Tier 1 risk-based capital ratio | 10.4845% | 5,759 |
| Total risk-based capital ratio | 11.5040% | 5,775 |
| Memoranda: | ||
| Average total assets | $3,414,892,500 | 269 |
| Average earning assets | $3,271,732,000 | 259 |
| Average equity | $277,570,500 | 332 |
| Average total loans | $3,033,152,000 | 226 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 5,230 |
| Cost of funding earning assets | 0.4988% | 2,167 |
| Net interest margin | 2.8678% | 5,388 |
| Noninterest income to average assets | 0.7562% | 1,950 |
| Noninterest expense to average assets | 2.2307% | 4,975 |
| Loan and lease loss provision to assets | 0.2315% | 854 |
| Net operating income to assets | 0.6515% | 4,031 |
| Return on assets (ROA) | 0.6625% | 4,074 |
| Pretax return on assets | 1.0653% | 3,208 |
| Return on Equity (ROE) | 8.0988% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.0988% | 884 |
| Net charge-offs to loans | 0.0272% | 3,685 |
| Credit loss provision to net charge-offs | 980.6630% | 348 |
| Earnings coverage of net charge-offs (x) | 54.1961% | 947 |
| Efficiency ratio | 63.5473% | 4,362 |
| Assets per employee ($millions) | 10.6463% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,225 |
| Loan loss allowance to noncurrent loans | 383.2222% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,730 |
| Noncurrent loans to loans | 0.2251% | 4,623 |
| Net loans and leases to total assets | 88.3153% | 113 |
| Net loans and leases to deposits | 101.1462% | 599 |
| Net loans and leases to core deposits | 140.7379% | 154 |
| Total domestic deposits to total assets | 87.3145% | 1,975 |
| Equity capital to assets | 8.1320% | 5,790 |
| Core capital (leverage) ratio | 8.0355% | 5,821 |
| Tier 1 risk-based capital ratio | 10.3396% | 5,847 |
| Total risk-based capital ratio | 11.3238% | 5,868 |
| Memoranda: | ||
| Average total assets | $3,066,408,000 | 274 |
| Average earning assets | $2,944,877,200 | 263 |
| Average equity | $250,852,400 | 347 |
| Average total loans | $2,664,017,200 | 235 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3403% | 5,342 |
| Cost of funding earning assets | 0.4817% | 2,394 |
| Net interest margin | 2.8585% | 5,479 |
| Noninterest income to average assets | 0.7783% | 1,890 |
| Noninterest expense to average assets | 2.1620% | 5,141 |
| Loan and lease loss provision to assets | 0.2295% | 803 |
| Net operating income to assets | 0.6937% | 3,925 |
| Return on assets (ROA) | 0.7087% | 3,972 |
| Pretax return on assets | 1.1569% | 2,993 |
| Return on Equity (ROE) | 8.6485% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.6485% | 1,020 |
| Net charge-offs to loans | 0.0132% | 3,715 |
| Credit loss provision to net charge-offs | 2,011.7188% | 186 |
| Earnings coverage of net charge-offs (x) | 119.4665% | 536 |
| Efficiency ratio | 61.3353% | 4,670 |
| Assets per employee ($millions) | 10.1509% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 5,387 |
| Loan loss allowance to noncurrent loans | 320.0788% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,789 |
| Noncurrent loans to loans | 0.2642% | 4,632 |
| Net loans and leases to total assets | 87.4501% | 165 |
| Net loans and leases to deposits | 98.9121% | 737 |
| Net loans and leases to core deposits | 139.4074% | 174 |
| Total domestic deposits to total assets | 88.4119% | 1,334 |
| Equity capital to assets | 8.0777% | 5,930 |
| Core capital (leverage) ratio | 8.0240% | 5,887 |
| Tier 1 risk-based capital ratio | 12.3307% | 4,870 |
| Total risk-based capital ratio | 13.4770% | 4,842 |
| Memoranda: | ||
| Average total assets | $2,991,948,500 | 282 |
| Average earning assets | $2,874,750,500 | 274 |
| Average equity | $245,170,500 | 361 |
| Average total loans | $2,580,771,500 | 241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3190% | 5,402 |
| Cost of funding earning assets | 0.4515% | 2,705 |
| Net interest margin | 2.8675% | 5,501 |
| Noninterest income to average assets | 0.8234% | 1,685 |
| Noninterest expense to average assets | 2.1894% | 5,146 |
| Loan and lease loss provision to assets | 0.2448% | 728 |
| Net operating income to assets | 0.7002% | 3,894 |
| Return on assets (ROA) | 0.7198% | 3,911 |
| Pretax return on assets | 1.1735% | 2,883 |
| Return on Equity (ROE) | 8.7372% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.7372% | 1,013 |
| Net charge-offs to loans | 0.0049% | 3,726 |
| Credit loss provision to net charge-offs | 5,819.6721% | 87 |
| Earnings coverage of net charge-offs (x) | 329.8525% | 211 |
| Efficiency ratio | 61.2043% | 4,797 |
| Assets per employee ($millions) | 9.5347% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 5,501 |
| Loan loss allowance to noncurrent loans | 323.0066% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,830 |
| Noncurrent loans to loans | 0.2593% | 4,749 |
| Net loans and leases to total assets | 87.2305% | 180 |
| Net loans and leases to deposits | 101.6500% | 565 |
| Net loans and leases to core deposits | 137.2597% | 186 |
| Total domestic deposits to total assets | 85.8145% | 2,788 |
| Equity capital to assets | 7.8885% | 6,025 |
| Core capital (leverage) ratio | 8.0823% | 5,881 |
| Tier 1 risk-based capital ratio | 11.8743% | 5,236 |
| Total risk-based capital ratio | 12.9976% | 5,221 |
| Memoranda: | ||
| Average total assets | $2,899,737,330 | 286 |
| Average earning assets | $2,784,730,330 | 279 |
| Average equity | $238,885,330 | 371 |
| Average total loans | $2,480,111,330 | 248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,347 |
| Cost of funding earning assets | 0.4149% | 3,137 |
| Net interest margin | 2.9248% | 5,396 |
| Noninterest income to average assets | 0.8050% | 1,694 |
| Noninterest expense to average assets | 2.2407% | 5,037 |
| Loan and lease loss provision to assets | 0.1935% | 965 |
| Net operating income to assets | 0.7060% | 3,770 |
| Return on assets (ROA) | 0.7306% | 3,778 |
| Pretax return on assets | 1.2159% | 2,604 |
| Return on Equity (ROE) | 8.6627% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.6627% | 1,320 |
| Net charge-offs to loans | 0.0024% | 3,237 |
| Credit loss provision to net charge-offs | 9,642.8571% | 36 |
| Earnings coverage of net charge-offs (x) | 683.2143% | 66 |
| Efficiency ratio | 62.0406% | 4,791 |
| Assets per employee ($millions) | 9.2578% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 5,568 |
| Loan loss allowance to noncurrent loans | 328.5872% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,913 |
| Noncurrent loans to loans | 0.2589% | 4,856 |
| Net loans and leases to total assets | 84.2504% | 293 |
| Net loans and leases to deposits | 95.7498% | 846 |
| Net loans and leases to core deposits | 128.5575% | 258 |
| Total domestic deposits to total assets | 87.9902% | 1,830 |
| Equity capital to assets | 8.2747% | 5,887 |
| Core capital (leverage) ratio | 8.4054% | 5,623 |
| Tier 1 risk-based capital ratio | 12.9610% | 4,622 |
| Total risk-based capital ratio | 14.1022% | 4,610 |
| Memoranda: | ||
| Average total assets | $2,790,682,500 | 296 |
| Average earning assets | $2,678,048,000 | 284 |
| Average equity | $235,353,000 | 373 |
| Average total loans | $2,348,825,500 | 257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 5,629 |
| Cost of funding earning assets | 0.3402% | 4,366 |
| Net interest margin | 3.0063% | 5,438 |
| Noninterest income to average assets | 0.8653% | 1,626 |
| Noninterest expense to average assets | 2.4804% | 4,610 |
| Loan and lease loss provision to assets | 0.2053% | 1,223 |
| Net operating income to assets | 0.6377% | 4,203 |
| Return on assets (ROA) | 0.6447% | 4,270 |
| Pretax return on assets | 1.0494% | 3,306 |
| Return on Equity (ROE) | 8.2972% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.2972% | 910 |
| Net charge-offs to loans | 0.0402% | 4,016 |
| Credit loss provision to net charge-offs | 634.7656% | 418 |
| Earnings coverage of net charge-offs (x) | 38.4596% | 1,121 |
| Efficiency ratio | 66.6030% | 4,132 |
| Assets per employee ($millions) | 8.8306% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 5,582 |
| Loan loss allowance to noncurrent loans | 284.3796% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 4,829 |
| Noncurrent loans to loans | 0.3043% | 4,754 |
| Net loans and leases to total assets | 82.5863% | 469 |
| Net loans and leases to deposits | 96.6692% | 855 |
| Net loans and leases to core deposits | 125.8232% | 295 |
| Total domestic deposits to total assets | 85.4319% | 3,112 |
| Equity capital to assets | 8.6027% | 5,645 |
| Core capital (leverage) ratio | 8.7431% | 5,301 |
| Tier 1 risk-based capital ratio | 13.7970% | 4,237 |
| Total risk-based capital ratio | 14.9624% | 4,225 |
| Memoranda: | ||
| Average total assets | $2,374,801,000 | 318 |
| Average earning assets | $2,258,378,000 | 303 |
| Average equity | $184,520,000 | 436 |
| Average total loans | $1,912,478,000 | 274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,662 |
| Cost of funding earning assets | 0.3215% | 4,654 |
| Net interest margin | 3.0359% | 5,417 |
| Noninterest income to average assets | 0.8901% | 1,552 |
| Noninterest expense to average assets | 2.5310% | 4,425 |
| Loan and lease loss provision to assets | 0.2108% | 1,097 |
| Net operating income to assets | 0.6295% | 4,310 |
| Return on assets (ROA) | 0.6375% | 4,374 |
| Pretax return on assets | 1.0415% | 3,418 |
| Return on Equity (ROE) | 8.4719% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.4719% | 1,162 |
| Net charge-offs to loans | 0.0510% | 3,484 |
| Credit loss provision to net charge-offs | 518.5980% | 547 |
| Earnings coverage of net charge-offs (x) | 30.5020% | 1,353 |
| Efficiency ratio | 67.1221% | 4,023 |
| Assets per employee ($millions) | 8.2961% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 5,611 |
| Loan loss allowance to noncurrent loans | 208.1797% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 4,766 |
| Noncurrent loans to loans | 0.4306% | 4,611 |
| Net loans and leases to total assets | 80.4717% | 664 |
| Net loans and leases to deposits | 91.4663% | 1,286 |
| Net loans and leases to core deposits | 115.3969% | 535 |
| Total domestic deposits to total assets | 87.9796% | 1,780 |
| Equity capital to assets | 7.1301% | 6,363 |
| Core capital (leverage) ratio | 7.2161% | 6,349 |
| Tier 1 risk-based capital ratio | 11.5939% | 5,744 |
| Total risk-based capital ratio | 12.7891% | 5,699 |
| Memoranda: | ||
| Average total assets | $2,292,957,250 | 325 |
| Average earning assets | $2,175,756,500 | 311 |
| Average equity | $172,534,750 | 452 |
| Average total loans | $1,827,821,000 | 281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 5,637 |
| Cost of funding earning assets | 0.2941% | 5,023 |
| Net interest margin | 3.0964% | 5,263 |
| Noninterest income to average assets | 0.9276% | 1,404 |
| Noninterest expense to average assets | 2.6119% | 4,199 |
| Loan and lease loss provision to assets | 0.2230% | 1,037 |
| Net operating income to assets | 0.6208% | 4,243 |
| Return on assets (ROA) | 0.6310% | 4,300 |
| Pretax return on assets | 1.0367% | 3,339 |
| Return on Equity (ROE) | 8.2230% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.2230% | 1,238 |
| Net charge-offs to loans | 0.0733% | 2,966 |
| Credit loss provision to net charge-offs | 384.3168% | 717 |
| Earnings coverage of net charge-offs (x) | 21.4332% | 1,545 |
| Efficiency ratio | 67.7402% | 4,049 |
| Assets per employee ($millions) | 7.5243% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 5,677 |
| Loan loss allowance to noncurrent loans | 263.2191% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 5,112 |
| Noncurrent loans to loans | 0.3481% | 4,961 |
| Net loans and leases to total assets | 77.5077% | 974 |
| Net loans and leases to deposits | 87.6821% | 1,632 |
| Net loans and leases to core deposits | 107.6301% | 786 |
| Total domestic deposits to total assets | 88.3962% | 1,686 |
| Equity capital to assets | 7.2954% | 6,391 |
| Core capital (leverage) ratio | 7.6919% | 6,253 |
| Tier 1 risk-based capital ratio | 12.5346% | 5,209 |
| Total risk-based capital ratio | 13.7808% | 5,132 |
| Memoranda: | ||
| Average total assets | $2,219,367,330 | 329 |
| Average earning assets | $2,098,803,670 | 320 |
| Average equity | $170,302,330 | 452 |
| Average total loans | $1,756,715,330 | 286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,671 |
| Cost of funding earning assets | 0.2757% | 5,326 |
| Net interest margin | 3.1133% | 5,202 |
| Noninterest income to average assets | 0.9203% | 1,333 |
| Noninterest expense to average assets | 2.6639% | 4,063 |
| Loan and lease loss provision to assets | 0.2490% | 868 |
| Net operating income to assets | 0.5774% | 4,309 |
| Return on assets (ROA) | 0.5892% | 4,318 |
| Pretax return on assets | 0.9513% | 3,508 |
| Return on Equity (ROE) | 7.4711% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.4711% | 1,833 |
| Net charge-offs to loans | 0.0262% | 3,046 |
| Credit loss provision to net charge-offs | 1,193.6937% | 274 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 686 |
| Efficiency ratio | 69.2691% | 3,953 |
| Assets per employee ($millions) | 7.1684% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 5,830 |
| Loan loss allowance to noncurrent loans | 221.9591% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 4,863 |
| Noncurrent loans to loans | 0.4114% | 4,898 |
| Net loans and leases to total assets | 79.9588% | 552 |
| Net loans and leases to deposits | 94.7862% | 730 |
| Net loans and leases to core deposits | 109.2053% | 617 |
| Total domestic deposits to total assets | 84.3569% | 4,141 |
| Equity capital to assets | 7.5493% | 6,300 |
| Core capital (leverage) ratio | 8.1914% | 5,956 |
| Tier 1 risk-based capital ratio | 12.6547% | 5,220 |
| Total risk-based capital ratio | 13.8992% | 5,157 |
| Memoranda: | ||
| Average total assets | $2,128,920,500 | 346 |
| Average earning assets | $2,000,443,000 | 332 |
| Average equity | $167,899,500 | 460 |
| Average total loans | $1,696,278,000 | 292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 5,692 |
| Cost of funding earning assets | 0.2606% | 5,906 |
| Net interest margin | 3.2143% | 4,954 |
| Noninterest income to average assets | 1.1245% | 1,112 |
| Noninterest expense to average assets | 3.1166% | 2,683 |
| Loan and lease loss provision to assets | 0.1949% | 1,901 |
| Net operating income to assets | 0.5175% | 4,664 |
| Return on assets (ROA) | 0.5481% | 4,642 |
| Pretax return on assets | 0.8641% | 3,899 |
| Return on Equity (ROE) | 7.3652% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.3326% | 1,786 |
| Net charge-offs to loans | 0.0601% | 4,378 |
| Credit loss provision to net charge-offs | 435.1970% | 523 |
| Earnings coverage of net charge-offs (x) | 22.5769% | 1,444 |
| Efficiency ratio | 75.5005% | 2,860 |
| Assets per employee ($millions) | 6.1564% | 1,169 |
| Cash dividends to net income (ytd only)* | 14.0201% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 5,683 |
| Loan loss allowance to noncurrent loans | 231.8703% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 4,969 |
| Noncurrent loans to loans | 0.4206% | 4,939 |
| Net loans and leases to total assets | 77.7704% | 850 |
| Net loans and leases to deposits | 92.2372% | 1,030 |
| Net loans and leases to core deposits | 93.4360% | 1,642 |
| Total domestic deposits to total assets | 84.3156% | 4,049 |
| Equity capital to assets | 8.2649% | 5,810 |
| Core capital (leverage) ratio | 8.7508% | 5,358 |
| Tier 1 risk-based capital ratio | 13.2369% | 4,831 |
| Total risk-based capital ratio | 14.4689% | 4,783 |
| Memoranda: | ||
| Average total assets | $1,756,897,000 | 393 |
| Average earning assets | $1,641,671,000 | 383 |
| Average equity | $130,736,800 | 546 |
| Average total loans | $1,309,426,000 | 340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 5,751 |
| Cost of funding earning assets | 0.2577% | 6,028 |
| Net interest margin | 3.2114% | 4,959 |
| Noninterest income to average assets | 1.1732% | 1,067 |
| Noninterest expense to average assets | 3.1638% | 2,466 |
| Loan and lease loss provision to assets | 0.1652% | 2,193 |
| Net operating income to assets | 0.5242% | 4,693 |
| Return on assets (ROA) | 0.5601% | 4,680 |
| Pretax return on assets | 0.9093% | 3,841 |
| Return on Equity (ROE) | 7.7821% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.3061% | 2,233 |
| Net charge-offs to loans | 0.0836% | 3,757 |
| Credit loss provision to net charge-offs | 269.5764% | 936 |
| Earnings coverage of net charge-offs (x) | 16.6149% | 1,787 |
| Efficiency ratio | 75.6477% | 2,783 |
| Assets per employee ($millions) | 5.4788% | 1,645 |
| Cash dividends to net income (ytd only)* | 18.9661% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,687 |
| Loan loss allowance to noncurrent loans | 203.9762% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 4,840 |
| Noncurrent loans to loans | 0.4930% | 4,965 |
| Net loans and leases to total assets | 76.9940% | 876 |
| Net loans and leases to deposits | 87.8365% | 1,383 |
| Net loans and leases to core deposits | 89.1422% | 2,057 |
| Total domestic deposits to total assets | 87.6560% | 2,323 |
| Equity capital to assets | 6.8551% | 6,583 |
| Core capital (leverage) ratio | 7.0140% | 6,585 |
| Tier 1 risk-based capital ratio | 11.0112% | 6,278 |
| Total risk-based capital ratio | 12.2615% | 6,235 |
| Memoranda: | ||
| Average total assets | $1,694,378,000 | 411 |
| Average earning assets | $1,587,616,250 | 400 |
| Average equity | $121,952,500 | 586 |
| Average total loans | $1,242,731,750 | 356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 5,765 |
| Cost of funding earning assets | 0.2597% | 6,105 |
| Net interest margin | 3.2023% | 4,940 |
| Noninterest income to average assets | 1.2425% | 1,011 |
| Noninterest expense to average assets | 3.1507% | 2,508 |
| Loan and lease loss provision to assets | 0.1626% | 2,295 |
| Net operating income to assets | 0.5667% | 4,470 |
| Return on assets (ROA) | 0.6072% | 4,423 |
| Pretax return on assets | 0.9882% | 3,565 |
| Return on Equity (ROE) | 8.2935% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.8126% | 1,974 |
| Net charge-offs to loans | 0.1086% | 3,272 |
| Credit loss provision to net charge-offs | 208.6553% | 1,150 |
| Earnings coverage of net charge-offs (x) | 13.9536% | 1,861 |
| Efficiency ratio | 74.3384% | 3,069 |
| Assets per employee ($millions) | 5.1660% | 1,918 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,552 |
| Loan loss allowance to noncurrent loans | 166.4149% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 4,520 |
| Noncurrent loans to loans | 0.6425% | 4,654 |
| Net loans and leases to total assets | 74.0603% | 1,238 |
| Net loans and leases to deposits | 81.5452% | 2,110 |
| Net loans and leases to core deposits | 82.8679% | 2,712 |
| Total domestic deposits to total assets | 90.8212% | 612 |
| Equity capital to assets | 7.2438% | 6,528 |
| Core capital (leverage) ratio | 7.2418% | 6,549 |
| Tier 1 risk-based capital ratio | 11.6057% | 6,054 |
| Total risk-based capital ratio | 12.8564% | 6,005 |
| Memoranda: | ||
| Average total assets | $1,660,155,330 | 417 |
| Average earning assets | $1,553,089,000 | 406 |
| Average equity | $121,540,330 | 590 |
| Average total loans | $1,191,084,670 | 372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 5,749 |
| Cost of funding earning assets | 0.2606% | 6,217 |
| Net interest margin | 3.2219% | 4,841 |
| Noninterest income to average assets | 1.2881% | 920 |
| Noninterest expense to average assets | 2.9533% | 3,148 |
| Loan and lease loss provision to assets | 0.2060% | 1,806 |
| Net operating income to assets | 0.6722% | 3,833 |
| Return on assets (ROA) | 0.7170% | 3,748 |
| Pretax return on assets | 1.2091% | 2,537 |
| Return on Equity (ROE) | 9.7415% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.2600% | 1,658 |
| Net charge-offs to loans | 0.1057% | 2,815 |
| Credit loss provision to net charge-offs | 277.7778% | 849 |
| Earnings coverage of net charge-offs (x) | 18.1405% | 1,276 |
| Efficiency ratio | 68.7074% | 4,191 |
| Assets per employee ($millions) | 5.3241% | 1,836 |
| Cash dividends to net income (ytd only)* | 15.2078% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,439 |
| Loan loss allowance to noncurrent loans | 117.6174% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 4,041 |
| Noncurrent loans to loans | 0.9703% | 4,191 |
| Net loans and leases to total assets | 70.3772% | 1,600 |
| Net loans and leases to deposits | 77.5939% | 2,403 |
| Net loans and leases to core deposits | 78.9726% | 2,931 |
| Total domestic deposits to total assets | 90.6994% | 671 |
| Equity capital to assets | 7.4971% | 6,595 |
| Core capital (leverage) ratio | 7.2458% | 6,564 |
| Tier 1 risk-based capital ratio | 11.9618% | 5,942 |
| Total risk-based capital ratio | 13.2129% | 5,905 |
| Memoranda: | ||
| Average total assets | $1,650,761,500 | 425 |
| Average earning assets | $1,542,309,000 | 409 |
| Average equity | $121,500,500 | 600 |
| Average total loans | $1,158,192,500 | 382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 5,910 |
| Cost of funding earning assets | 0.3149% | 6,381 |
| Net interest margin | 3.4515% | 4,700 |
| Noninterest income to average assets | 1.0925% | 1,298 |
| Noninterest expense to average assets | 2.9964% | 3,290 |
| Loan and lease loss provision to assets | 0.5168% | 1,135 |
| Net operating income to assets | 0.4662% | 4,814 |
| Return on assets (ROA) | 0.6183% | 4,416 |
| Pretax return on assets | 1.0256% | 3,456 |
| Return on Equity (ROE) | 8.5528% | 2,847 |
| Retained earnings to average equity (ytd only) | -4.3615% | 6,389 |
| Net charge-offs to loans | 0.7983% | 1,465 |
| Credit loss provision to net charge-offs | 94.4311% | 3,296 |
| Earnings coverage of net charge-offs (x) | 2.3839% | 4,217 |
| Efficiency ratio | 69.6670% | 3,872 |
| Assets per employee ($millions) | 5.7090% | 1,513 |
| Cash dividends to net income (ytd only)* | 150.9948% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,533 |
| Loan loss allowance to noncurrent loans | 108.5493% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 4,214 |
| Noncurrent loans to loans | 1.0177% | 4,167 |
| Net loans and leases to total assets | 68.3888% | 2,124 |
| Net loans and leases to deposits | 75.1361% | 2,933 |
| Net loans and leases to core deposits | 76.4903% | 3,469 |
| Total domestic deposits to total assets | 91.0199% | 487 |
| Equity capital to assets | 7.2261% | 6,719 |
| Core capital (leverage) ratio | 7.1795% | 6,645 |
| Tier 1 risk-based capital ratio | 11.6727% | 5,976 |
| Total risk-based capital ratio | 12.9232% | 5,938 |
| Memoranda: | ||
| Average total assets | $1,601,241,000 | 424 |
| Average earning assets | $1,488,500,600 | 412 |
| Average equity | $115,763,800 | 623 |
| Average total loans | $1,097,733,000 | 392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 5,951 |
| Cost of funding earning assets | 0.3312% | 6,460 |
| Net interest margin | 3.4995% | 4,647 |
| Noninterest income to average assets | 1.1124% | 1,219 |
| Noninterest expense to average assets | 2.9023% | 3,586 |
| Loan and lease loss provision to assets | 0.3155% | 2,095 |
| Net operating income to assets | 0.7011% | 3,911 |
| Return on assets (ROA) | 0.7404% | 3,984 |
| Pretax return on assets | 1.2051% | 2,978 |
| Return on Equity (ROE) | 10.2392% | 2,234 |
| Retained earnings to average equity (ytd only) | -6.6322% | 6,701 |
| Net charge-offs to loans | 0.3788% | 2,583 |
| Credit loss provision to net charge-offs | 121.7532% | 2,375 |
| Earnings coverage of net charge-offs (x) | 5.6315% | 2,969 |
| Efficiency ratio | 66.5426% | 4,344 |
| Assets per employee ($millions) | 5.2933% | 1,837 |
| Cash dividends to net income (ytd only)* | 164.7727% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 5,014 |
| Loan loss allowance to noncurrent loans | 81.9259% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 3,719 |
| Noncurrent loans to loans | 1.5348% | 3,487 |
| Net loans and leases to total assets | 68.9347% | 2,126 |
| Net loans and leases to deposits | 76.1294% | 2,964 |
| Net loans and leases to core deposits | 77.7468% | 3,492 |
| Total domestic deposits to total assets | 90.5493% | 579 |
| Equity capital to assets | 7.3506% | 6,806 |
| Core capital (leverage) ratio | 7.2442% | 6,735 |
| Tier 1 risk-based capital ratio | 11.4031% | 6,290 |
| Total risk-based capital ratio | 12.6548% | 6,248 |
| Memoranda: | ||
| Average total assets | $1,584,794,500 | 429 |
| Average earning assets | $1,471,420,000 | 414 |
| Average equity | $114,589,500 | 629 |
| Average total loans | $1,083,967,750 | 398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 6,040 |
| Cost of funding earning assets | 0.3427% | 6,541 |
| Net interest margin | 3.5027% | 4,652 |
| Noninterest income to average assets | 1.1223% | 1,135 |
| Noninterest expense to average assets | 2.8570% | 3,791 |
| Loan and lease loss provision to assets | 0.3784% | 1,732 |
| Net operating income to assets | 0.7009% | 3,865 |
| Return on assets (ROA) | 0.7407% | 3,922 |
| Pretax return on assets | 1.2004% | 2,925 |
| Return on Equity (ROE) | 10.3012% | 2,237 |
| Retained earnings to average equity (ytd only) | -15.1360% | 6,936 |
| Net charge-offs to loans | 0.4711% | 2,180 |
| Credit loss provision to net charge-offs | 118.2499% | 2,327 |
| Earnings coverage of net charge-offs (x) | 4.7391% | 2,999 |
| Efficiency ratio | 65.3236% | 4,665 |
| Assets per employee ($millions) | 5.2248% | 1,897 |
| Cash dividends to net income (ytd only)* | 246.9346% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,189 |
| Loan loss allowance to noncurrent loans | 71.9899% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 3,627 |
| Noncurrent loans to loans | 1.7148% | 3,320 |
| Net loans and leases to total assets | 69.3933% | 2,031 |
| Net loans and leases to deposits | 76.8946% | 2,855 |
| Net loans and leases to core deposits | 78.7865% | 3,400 |
| Total domestic deposits to total assets | 90.2446% | 796 |
| Equity capital to assets | 7.1377% | 6,879 |
| Core capital (leverage) ratio | 7.0553% | 6,802 |
| Tier 1 risk-based capital ratio | 11.1172% | 6,443 |
| Total risk-based capital ratio | 12.3686% | 6,415 |
| Memoranda: | ||
| Average total assets | $1,585,491,330 | 429 |
| Average earning assets | $1,471,740,000 | 414 |
| Average equity | $114,006,330 | 627 |
| Average total loans | $1,076,982,000 | 399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 6,133 |
| Cost of funding earning assets | 0.3586% | 6,608 |
| Net interest margin | 3.4943% | 4,732 |
| Noninterest income to average assets | 1.0908% | 1,207 |
| Noninterest expense to average assets | 2.7718% | 4,153 |
| Loan and lease loss provision to assets | 0.3775% | 1,671 |
| Net operating income to assets | 0.7219% | 3,770 |
| Return on assets (ROA) | 0.7848% | 3,688 |
| Pretax return on assets | 1.2818% | 2,600 |
| Return on Equity (ROE) | 10.8739% | 2,072 |
| Retained earnings to average equity (ytd only) | -39.6942% | 7,184 |
| Net charge-offs to loans | 0.4625% | 1,932 |
| Credit loss provision to net charge-offs | 122.2494% | 1,953 |
| Earnings coverage of net charge-offs (x) | 5.0554% | 2,451 |
| Efficiency ratio | 63.9696% | 4,929 |
| Assets per employee ($millions) | 5.4257% | 1,758 |
| Cash dividends to net income (ytd only)* | 465.0417% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,254 |
| Loan loss allowance to noncurrent loans | 72.5669% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 3,782 |
| Noncurrent loans to loans | 1.7203% | 3,532 |
| Net loans and leases to total assets | 67.6189% | 2,185 |
| Net loans and leases to deposits | 75.5727% | 2,869 |
| Net loans and leases to core deposits | 76.7513% | 3,514 |
| Total domestic deposits to total assets | 89.4752% | 1,386 |
| Equity capital to assets | 6.9016% | 6,951 |
| Core capital (leverage) ratio | 6.8718% | 6,885 |
| Tier 1 risk-based capital ratio | 11.0044% | 6,530 |
| Total risk-based capital ratio | 12.2559% | 6,520 |
| Memoranda: | ||
| Average total assets | $1,589,288,000 | 426 |
| Average earning assets | $1,474,629,000 | 416 |
| Average equity | $114,697,000 | 620 |
| Average total loans | $1,061,152,500 | 401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 6,578 |
| Cost of funding earning assets | 0.5009% | 6,532 |
| Net interest margin | 3.4262% | 5,400 |
| Noninterest income to average assets | 1.0177% | 1,315 |
| Noninterest expense to average assets | 2.8770% | 4,049 |
| Loan and lease loss provision to assets | 0.4705% | 2,247 |
| Net operating income to assets | 0.7315% | 3,329 |
| Return on assets (ROA) | 0.7888% | 3,252 |
| Pretax return on assets | 0.9055% | 3,591 |
| Return on Equity (ROE) | 10.6590% | 1,816 |
| Retained earnings to average equity (ytd only) | 5.2927% | 2,453 |
| Net charge-offs to loans | 0.8537% | 2,034 |
| Credit loss provision to net charge-offs | 87.2548% | 4,141 |
| Earnings coverage of net charge-offs (x) | 2.4297% | 4,000 |
| Efficiency ratio | 68.7119% | 4,206 |
| Assets per employee ($millions) | 5.4227% | 1,717 |
| Cash dividends to net income (ytd only)* | 50.3455% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 5,063 |
| Loan loss allowance to noncurrent loans | 68.8339% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 3,483 |
| Noncurrent loans to loans | 1.8450% | 3,419 |
| Net loans and leases to total assets | 64.2600% | 3,128 |
| Net loans and leases to deposits | 71.1222% | 3,934 |
| Net loans and leases to core deposits | 72.1314% | 4,507 |
| Total domestic deposits to total assets | 90.3515% | 788 |
| Equity capital to assets | 7.5281% | 6,798 |
| Core capital (leverage) ratio | 7.5781% | 6,610 |
| Tier 1 risk-based capital ratio | 12.2537% | 5,644 |
| Total risk-based capital ratio | 13.5049% | 5,616 |
| Memoranda: | ||
| Average total assets | $1,541,028,200 | 429 |
| Average earning assets | $1,425,467,000 | 417 |
| Average equity | $114,044,000 | 607 |
| Average total loans | $973,327,000 | 431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 6,650 |
| Cost of funding earning assets | 0.5345% | 6,565 |
| Net interest margin | 3.4239% | 5,495 |
| Noninterest income to average assets | 1.0262% | 1,280 |
| Noninterest expense to average assets | 2.8654% | 4,080 |
| Loan and lease loss provision to assets | 0.4804% | 2,064 |
| Net operating income to assets | 0.7828% | 3,241 |
| Return on assets (ROA) | 0.8397% | 3,139 |
| Pretax return on assets | 0.9066% | 3,733 |
| Return on Equity (ROE) | 11.3981% | 1,725 |
| Retained earnings to average equity (ytd only) | 4.1416% | 3,783 |
| Net charge-offs to loans | 0.8280% | 1,919 |
| Credit loss provision to net charge-offs | 92.6082% | 3,679 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,842 |
| Efficiency ratio | 68.3666% | 4,245 |
| Assets per employee ($millions) | 5.3726% | 1,735 |
| Cash dividends to net income (ytd only)* | 63.6638% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,461 |
| Loan loss allowance to noncurrent loans | 60.3470% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 3,590 |
| Noncurrent loans to loans | 2.3553% | 2,947 |
| Net loans and leases to total assets | 60.9894% | 3,945 |
| Net loans and leases to deposits | 68.6224% | 4,499 |
| Net loans and leases to core deposits | 69.6832% | 4,990 |
| Total domestic deposits to total assets | 88.8768% | 1,498 |
| Equity capital to assets | 7.4685% | 6,939 |
| Core capital (leverage) ratio | 7.6611% | 6,663 |
| Tier 1 risk-based capital ratio | 12.4076% | 5,573 |
| Total risk-based capital ratio | 13.6603% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,526,362,000 | 435 |
| Average earning assets | $1,410,944,250 | 425 |
| Average equity | $112,448,500 | 620 |
| Average total loans | $956,362,250 | 441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 6,558 |
| Cost of funding earning assets | 0.5674% | 6,598 |
| Net interest margin | 3.4911% | 5,199 |
| Noninterest income to average assets | 1.0623% | 1,167 |
| Noninterest expense to average assets | 2.9457% | 3,843 |
| Loan and lease loss provision to assets | 0.5297% | 1,844 |
| Net operating income to assets | 0.5277% | 4,386 |
| Return on assets (ROA) | 0.5666% | 4,352 |
| Pretax return on assets | 0.8709% | 3,752 |
| Return on Equity (ROE) | 7.7278% | 3,084 |
| Retained earnings to average equity (ytd only) | -2.2051% | 6,277 |
| Net charge-offs to loans | 0.8892% | 1,749 |
| Credit loss provision to net charge-offs | 94.6522% | 3,317 |
| Earnings coverage of net charge-offs (x) | 2.3959% | 3,622 |
| Efficiency ratio | 68.7220% | 4,383 |
| Assets per employee ($millions) | 5.0658% | 2,033 |
| Cash dividends to net income (ytd only)* | 128.5347% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,334 |
| Loan loss allowance to noncurrent loans | 91.5402% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 4,463 |
| Noncurrent loans to loans | 1.5870% | 4,018 |
| Net loans and leases to total assets | 63.1629% | 3,649 |
| Net loans and leases to deposits | 69.9194% | 4,450 |
| Net loans and leases to core deposits | 70.8037% | 4,976 |
| Total domestic deposits to total assets | 90.3367% | 795 |
| Equity capital to assets | 7.4240% | 6,980 |
| Core capital (leverage) ratio | 7.4344% | 6,789 |
| Tier 1 risk-based capital ratio | 11.9738% | 5,806 |
| Total risk-based capital ratio | 13.1907% | 5,811 |
| Memoranda: | ||
| Average total assets | $1,510,428,330 | 448 |
| Average earning assets | $1,394,852,670 | 439 |
| Average equity | $110,742,670 | 630 |
| Average total loans | $950,511,330 | 450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 6,542 |
| Cost of funding earning assets | 0.5850% | 6,668 |
| Net interest margin | 3.4953% | 5,034 |
| Noninterest income to average assets | 1.0524% | 1,190 |
| Noninterest expense to average assets | 2.9724% | 3,754 |
| Loan and lease loss provision to assets | 0.5295% | 1,642 |
| Net operating income to assets | 0.5286% | 4,361 |
| Return on assets (ROA) | 0.5639% | 4,298 |
| Pretax return on assets | 0.8292% | 3,792 |
| Return on Equity (ROE) | 7.7400% | 3,034 |
| Retained earnings to average equity (ytd only) | -12.2459% | 6,952 |
| Net charge-offs to loans | 0.8051% | 1,616 |
| Credit loss provision to net charge-offs | 105.4852% | 2,528 |
| Earnings coverage of net charge-offs (x) | 2.6034% | 3,038 |
| Efficiency ratio | 69.4611% | 4,387 |
| Assets per employee ($millions) | 5.2909% | 1,781 |
| Cash dividends to net income (ytd only)* | 258.2160% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 4,150 |
| Loan loss allowance to noncurrent loans | 73.7895% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 4,033 |
| Noncurrent loans to loans | 2.0490% | 3,511 |
| Net loans and leases to total assets | 61.7112% | 3,918 |
| Net loans and leases to deposits | 68.6438% | 4,585 |
| Net loans and leases to core deposits | 69.4310% | 5,121 |
| Total domestic deposits to total assets | 89.9006% | 1,207 |
| Equity capital to assets | 7.1410% | 7,041 |
| Core capital (leverage) ratio | 7.3528% | 6,823 |
| Tier 1 risk-based capital ratio | 11.4500% | 6,144 |
| Total risk-based capital ratio | 12.6582% | 6,160 |
| Memoranda: | ||
| Average total assets | $1,510,837,000 | 452 |
| Average earning assets | $1,394,783,000 | 442 |
| Average equity | $110,077,500 | 628 |
| Average total loans | $941,982,000 | 463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 6,585 |
| Cost of funding earning assets | 0.8028% | 6,554 |
| Net interest margin | 3.6145% | 4,745 |
| Noninterest income to average assets | 1.0039% | 1,491 |
| Noninterest expense to average assets | 2.8919% | 4,259 |
| Loan and lease loss provision to assets | 0.6718% | 2,459 |
| Net operating income to assets | 0.5464% | 3,901 |
| Return on assets (ROA) | 0.5258% | 4,133 |
| Pretax return on assets | 0.7512% | 3,795 |
| Return on Equity (ROE) | 7.0914% | 3,069 |
| Retained earnings to average equity (ytd only) | -0.7574% | 5,755 |
| Net charge-offs to loans | 0.9299% | 2,323 |
| Credit loss provision to net charge-offs | 112.2334% | 3,895 |
| Earnings coverage of net charge-offs (x) | 2.4265% | 3,918 |
| Efficiency ratio | 66.5661% | 4,850 |
| Assets per employee ($millions) | 5.2929% | 1,761 |
| Cash dividends to net income (ytd only)* | 110.6810% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,856 |
| Loan loss allowance to noncurrent loans | 76.0490% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.5155% | 4,042 |
| Noncurrent loans to loans | 2.0139% | 3,542 |
| Net loans and leases to total assets | 61.0848% | 4,471 |
| Net loans and leases to deposits | 67.7472% | 5,137 |
| Net loans and leases to core deposits | 68.5744% | 5,601 |
| Total domestic deposits to total assets | 90.1658% | 1,007 |
| Equity capital to assets | 7.4322% | 6,914 |
| Core capital (leverage) ratio | 7.5656% | 6,648 |
| Tier 1 risk-based capital ratio | 12.0894% | 5,396 |
| Total risk-based capital ratio | 13.3235% | 5,389 |
| Memoranda: | ||
| Average total assets | $1,488,469,200 | 457 |
| Average earning assets | $1,375,666,200 | 446 |
| Average equity | $110,373,000 | 606 |
| Average total loans | $958,149,200 | 467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 6,655 |
| Cost of funding earning assets | 0.8575% | 6,556 |
| Net interest margin | 3.6198% | 4,787 |
| Noninterest income to average assets | 0.9626% | 1,575 |
| Noninterest expense to average assets | 2.9070% | 4,063 |
| Loan and lease loss provision to assets | 0.6420% | 2,380 |
| Net operating income to assets | 0.5262% | 4,199 |
| Return on assets (ROA) | 0.5350% | 4,335 |
| Pretax return on assets | 0.7726% | 4,001 |
| Return on Equity (ROE) | 7.2192% | 3,247 |
| Retained earnings to average equity (ytd only) | -3.2776% | 6,385 |
| Net charge-offs to loans | 0.8732% | 2,265 |
| Credit loss provision to net charge-offs | 113.1866% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.4713% | 3,930 |
| Efficiency ratio | 67.4662% | 4,569 |
| Assets per employee ($millions) | 5.2216% | 1,906 |
| Cash dividends to net income (ytd only)* | 145.4012% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 4,032 |
| Loan loss allowance to noncurrent loans | 78.0164% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 4,575 |
| Noncurrent loans to loans | 1.9036% | 3,797 |
| Net loans and leases to total assets | 62.9603% | 4,336 |
| Net loans and leases to deposits | 70.2438% | 5,113 |
| Net loans and leases to core deposits | 71.1691% | 5,618 |
| Total domestic deposits to total assets | 89.6311% | 1,063 |
| Equity capital to assets | 7.5031% | 7,128 |
| Core capital (leverage) ratio | 7.5556% | 6,811 |
| Tier 1 risk-based capital ratio | 11.8088% | 5,630 |
| Total risk-based capital ratio | 13.0488% | 5,622 |
| Memoranda: | ||
| Average total assets | $1,484,791,500 | 455 |
| Average earning assets | $1,372,553,500 | 446 |
| Average equity | $110,036,500 | 601 |
| Average total loans | $964,562,250 | 464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 6,648 |
| Cost of funding earning assets | 0.9024% | 6,570 |
| Net interest margin | 3.6242% | 4,714 |
| Noninterest income to average assets | 0.9766% | 1,444 |
| Noninterest expense to average assets | 2.8918% | 4,112 |
| Loan and lease loss provision to assets | 0.6926% | 2,091 |
| Net operating income to assets | 0.5153% | 4,258 |
| Return on assets (ROA) | 0.5153% | 4,416 |
| Pretax return on assets | 0.7461% | 4,078 |
| Return on Equity (ROE) | 6.9827% | 3,309 |
| Retained earnings to average equity (ytd only) | -7.5129% | 6,779 |
| Net charge-offs to loans | 0.9237% | 1,986 |
| Credit loss provision to net charge-offs | 114.8016% | 3,545 |
| Earnings coverage of net charge-offs (x) | 2.3848% | 3,799 |
| Efficiency ratio | 66.7774% | 4,828 |
| Assets per employee ($millions) | 5.1926% | 1,935 |
| Cash dividends to net income (ytd only)* | 207.5939% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,206 |
| Loan loss allowance to noncurrent loans | 65.6776% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4448% | 4,295 |
| Noncurrent loans to loans | 2.1993% | 3,481 |
| Net loans and leases to total assets | 64.1084% | 4,244 |
| Net loans and leases to deposits | 71.8774% | 5,012 |
| Net loans and leases to core deposits | 73.4134% | 5,508 |
| Total domestic deposits to total assets | 89.1913% | 1,327 |
| Equity capital to assets | 7.4244% | 7,162 |
| Core capital (leverage) ratio | 7.3996% | 6,918 |
| Tier 1 risk-based capital ratio | 11.4809% | 5,789 |
| Total risk-based capital ratio | 12.7226% | 5,770 |
| Memoranda: | ||
| Average total assets | $1,487,154,670 | 455 |
| Average earning assets | $1,376,267,330 | 446 |
| Average equity | $109,757,670 | 598 |
| Average total loans | $971,286,000 | 463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 6,699 |
| Cost of funding earning assets | 0.9367% | 6,629 |
| Net interest margin | 3.6049% | 4,705 |
| Noninterest income to average assets | 0.9308% | 1,512 |
| Noninterest expense to average assets | 2.8161% | 4,428 |
| Loan and lease loss provision to assets | 0.6428% | 1,970 |
| Net operating income to assets | 0.5601% | 4,080 |
| Return on assets (ROA) | 0.5601% | 4,226 |
| Pretax return on assets | 0.8169% | 3,801 |
| Return on Equity (ROE) | 7.6110% | 3,066 |
| Retained earnings to average equity (ytd only) | -18.7783% | 7,339 |
| Net charge-offs to loans | 0.7662% | 1,976 |
| Credit loss provision to net charge-offs | 128.2051% | 2,746 |
| Earnings coverage of net charge-offs (x) | 2.9113% | 3,095 |
| Efficiency ratio | 65.8607% | 5,150 |
| Assets per employee ($millions) | 5.2630% | 1,899 |
| Cash dividends to net income (ytd only)* | 346.7241% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,351 |
| Loan loss allowance to noncurrent loans | 111.6536% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 5,489 |
| Noncurrent loans to loans | 1.2654% | 4,871 |
| Net loans and leases to total assets | 64.7337% | 4,153 |
| Net loans and leases to deposits | 72.0135% | 5,044 |
| Net loans and leases to core deposits | 73.6203% | 5,532 |
| Total domestic deposits to total assets | 89.8910% | 1,046 |
| Equity capital to assets | 7.2670% | 7,234 |
| Core capital (leverage) ratio | 7.3608% | 6,978 |
| Tier 1 risk-based capital ratio | 11.2663% | 5,880 |
| Total risk-based capital ratio | 12.5090% | 5,856 |
| Memoranda: | ||
| Average total assets | $1,493,387,000 | 469 |
| Average earning assets | $1,385,769,000 | 460 |
| Average equity | $109,893,000 | 601 |
| Average total loans | $977,301,000 | 480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9281% | 6,646 |
| Cost of funding earning assets | 1.3259% | 6,217 |
| Net interest margin | 3.6022% | 4,543 |
| Noninterest income to average assets | 0.9481% | 1,756 |
| Noninterest expense to average assets | 2.9125% | 4,496 |
| Loan and lease loss provision to assets | 0.6694% | 3,137 |
| Net operating income to assets | 0.4755% | 3,835 |
| Return on assets (ROA) | 0.4756% | 3,937 |
| Pretax return on assets | 0.6817% | 3,639 |
| Return on Equity (ROE) | 6.6609% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.6609% | 1,092 |
| Net charge-offs to loans | 0.6066% | 3,400 |
| Credit loss provision to net charge-offs | 156.5526% | 2,885 |
| Earnings coverage of net charge-offs (x) | 3.1593% | 3,481 |
| Efficiency ratio | 68.3129% | 4,958 |
| Assets per employee ($millions) | 5.3661% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,530 |
| Loan loss allowance to noncurrent loans | 112.2341% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,498 |
| Noncurrent loans to loans | 1.1951% | 4,945 |
| Net loans and leases to total assets | 64.3517% | 4,523 |
| Net loans and leases to deposits | 71.7497% | 5,364 |
| Net loans and leases to core deposits | 80.5089% | 6,041 |
| Total domestic deposits to total assets | 89.6892% | 1,113 |
| Equity capital to assets | 7.4486% | 7,078 |
| Core capital (leverage) ratio | 7.4621% | 6,824 |
| Tier 1 risk-based capital ratio | 11.6687% | 5,228 |
| Total risk-based capital ratio | 12.9122% | 5,191 |
| Memoranda: | ||
| Average total assets | $1,448,967,000 | 469 |
| Average earning assets | $1,333,563,400 | 464 |
| Average equity | $103,455,200 | 631 |
| Average total loans | $1,021,488,600 | 473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 6,519 |
| Cost of funding earning assets | 1.3850% | 6,290 |
| Net interest margin | 3.6433% | 4,310 |
| Noninterest income to average assets | 0.9596% | 1,741 |
| Noninterest expense to average assets | 2.9386% | 4,281 |
| Loan and lease loss provision to assets | 0.6275% | 2,882 |
| Net operating income to assets | 0.5116% | 3,931 |
| Return on assets (ROA) | 0.5118% | 4,021 |
| Pretax return on assets | 0.7388% | 3,739 |
| Return on Equity (ROE) | 7.2499% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.2499% | 1,415 |
| Net charge-offs to loans | 0.4515% | 3,425 |
| Credit loss provision to net charge-offs | 193.3543% | 2,334 |
| Earnings coverage of net charge-offs (x) | 4.2094% | 3,218 |
| Efficiency ratio | 68.2655% | 4,912 |
| Assets per employee ($millions) | 5.2424% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,595 |
| Loan loss allowance to noncurrent loans | 91.1761% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 5,070 |
| Noncurrent loans to loans | 1.4088% | 4,558 |
| Net loans and leases to total assets | 67.0683% | 4,170 |
| Net loans and leases to deposits | 74.8964% | 5,227 |
| Net loans and leases to core deposits | 85.1472% | 5,957 |
| Total domestic deposits to total assets | 89.5481% | 942 |
| Equity capital to assets | 7.5138% | 7,284 |
| Core capital (leverage) ratio | 7.6541% | 6,793 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,468 |
| Total risk-based capital ratio | 12.7117% | 5,414 |
| Memoranda: | ||
| Average total assets | $1,434,239,500 | 488 |
| Average earning assets | $1,316,834,250 | 480 |
| Average equity | $101,240,250 | 655 |
| Average total loans | $1,030,976,500 | 482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 6,275 |
| Cost of funding earning assets | 1.4728% | 6,247 |
| Net interest margin | 3.6709% | 4,082 |
| Noninterest income to average assets | 0.9852% | 1,647 |
| Noninterest expense to average assets | 2.9184% | 4,436 |
| Loan and lease loss provision to assets | 0.5643% | 2,763 |
| Net operating income to assets | 0.5972% | 3,688 |
| Return on assets (ROA) | 0.5976% | 3,795 |
| Pretax return on assets | 0.8606% | 3,471 |
| Return on Equity (ROE) | 8.6600% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.6600% | 1,021 |
| Net charge-offs to loans | 0.5070% | 2,806 |
| Credit loss provision to net charge-offs | 151.9180% | 3,027 |
| Earnings coverage of net charge-offs (x) | 3.8348% | 3,299 |
| Efficiency ratio | 67.2016% | 5,315 |
| Assets per employee ($millions) | 5.1196% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,731 |
| Loan loss allowance to noncurrent loans | 84.3688% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 5,081 |
| Noncurrent loans to loans | 1.2798% | 4,639 |
| Net loans and leases to total assets | 69.6488% | 3,783 |
| Net loans and leases to deposits | 77.9195% | 4,887 |
| Net loans and leases to core deposits | 91.0576% | 5,443 |
| Total domestic deposits to total assets | 89.3856% | 1,088 |
| Equity capital to assets | 7.4205% | 7,335 |
| Core capital (leverage) ratio | 7.7018% | 6,755 |
| Tier 1 risk-based capital ratio | 11.4877% | 5,392 |
| Total risk-based capital ratio | 12.6348% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,417,781,670 | 505 |
| Average earning assets | $1,296,748,670 | 496 |
| Average equity | $97,828,670 | 685 |
| Average total loans | $1,038,641,670 | 494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 6,338 |
| Cost of funding earning assets | 1.5544% | 6,218 |
| Net interest margin | 3.6347% | 4,170 |
| Noninterest income to average assets | 0.9476% | 1,651 |
| Noninterest expense to average assets | 2.7172% | 4,924 |
| Loan and lease loss provision to assets | 0.5716% | 2,199 |
| Net operating income to assets | 0.6895% | 3,606 |
| Return on assets (ROA) | 0.6904% | 3,787 |
| Pretax return on assets | 1.0056% | 3,327 |
| Return on Equity (ROE) | 10.4141% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.4141% | 1,093 |
| Net charge-offs to loans | 0.7364% | 1,709 |
| Credit loss provision to net charge-offs | 103.8422% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.8629% | 3,351 |
| Efficiency ratio | 63.2938% | 5,813 |
| Assets per employee ($millions) | 5.1235% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,561 |
| Loan loss allowance to noncurrent loans | 87.6302% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 5,062 |
| Noncurrent loans to loans | 1.0720% | 4,839 |
| Net loans and leases to total assets | 72.5375% | 3,114 |
| Net loans and leases to deposits | 81.2095% | 4,419 |
| Net loans and leases to core deposits | 95.7679% | 4,996 |
| Total domestic deposits to total assets | 89.3215% | 1,091 |
| Equity capital to assets | 7.4626% | 7,380 |
| Core capital (leverage) ratio | 7.5974% | 7,030 |
| Tier 1 risk-based capital ratio | 10.8458% | 6,047 |
| Total risk-based capital ratio | 11.8474% | 6,215 |
| Memoranda: | ||
| Average total assets | $1,399,694,500 | 512 |
| Average earning assets | $1,288,239,000 | 504 |
| Average equity | $92,797,500 | 715 |
| Average total loans | $1,046,104,000 | 497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 6,884 |
| Cost of funding earning assets | 2.0499% | 6,238 |
| Net interest margin | 3.6154% | 4,812 |
| Noninterest income to average assets | 1.0567% | 1,406 |
| Noninterest expense to average assets | 2.7286% | 5,135 |
| Loan and lease loss provision to assets | 0.1759% | 5,143 |
| Net operating income to assets | 0.9677% | 2,707 |
| Return on assets (ROA) | -1.6102% | 7,455 |
| Pretax return on assets | -2.5289% | 7,600 |
| Return on Equity (ROE) | -26.0523% | 7,881 |
| Retained earnings to average equity (ytd only) | -28.4246% | 7,883 |
| Net charge-offs to loans | 0.0209% | 6,568 |
| Credit loss provision to net charge-offs | 1,132.0755% | 395 |
| Earnings coverage of net charge-offs (x) | 107.7689% | 402 |
| Efficiency ratio | 61.9648% | 5,956 |
| Assets per employee ($millions) | 4.9647% | 1,978 |
| Cash dividends to net income (ytd only)* | -9.1058% | 7,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 6,563 |
| Loan loss allowance to noncurrent loans | 179.6070% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 5,784 |
| Noncurrent loans to loans | 0.5123% | 5,818 |
| Net loans and leases to total assets | 75.5915% | 2,731 |
| Net loans and leases to deposits | 84.2611% | 4,385 |
| Net loans and leases to core deposits | 100.0913% | 4,816 |
| Total domestic deposits to total assets | 89.7111% | 762 |
| Equity capital to assets | 5.7735% | 8,097 |
| Core capital (leverage) ratio | 5.8348% | 8,123 |
| Tier 1 risk-based capital ratio | 8.5088% | 7,987 |
| Total risk-based capital ratio | 9.4361% | 8,091 |
| Memoranda: | ||
| Average total assets | $1,364,095,200 | 506 |
| Average earning assets | $1,262,766,800 | 498 |
| Average equity | $84,307,200 | 793 |
| Average total loans | $1,012,348,800 | 489 |