Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9770% | 657 |
| Cost of funding earning assets | 1.3150% | 2,474 |
| Net interest margin | 4.6621% | 495 |
| Noninterest income to average assets | 1.1300% | 529 |
| Noninterest expense to average assets | 3.1067% | 948 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.5392% | 952 |
| Return on assets (ROA) | 1.5046% | 980 |
| Pretax return on assets | 1.9363% | 737 |
| Return on Equity (ROE) | 13.3500% | 1,642 |
| Retained earnings to average equity (ytd only) | 8.1944% | 1,480 |
| Net charge-offs to loans | 0.1543% | 674 |
| Credit loss provision to net charge-offs | 179.5367% | 1,314 |
| Earnings coverage of net charge-offs (x) | 20.9409% | 1,846 |
| Efficiency ratio | 56.3483% | 3,464 |
| Assets per employee ($millions) | 6.1845% | 2,659 |
| Cash dividends to net income (ytd only)* | 38.6026% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,270 |
| Loan loss allowance to noncurrent loans | 194.1119% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,299 |
| Noncurrent loans to loans | 0.5185% | 1,494 |
| Net loans and leases to total assets | 66.7200% | 2,177 |
| Net loans and leases to deposits | 84.8758% | 1,701 |
| Net loans and leases to core deposits | 96.8853% | 1,608 |
| Total domestic deposits to total assets | 78.6100% | 3,659 |
| Equity capital to assets | 11.7303% | 1,219 |
| Core capital (leverage) ratio | 9.1241% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6474% | 2,363 |
| Memoranda: | ||
| Average total assets | $8,264,246,200 | 182 |
| Average earning assets | $7,346,931,800 | 182 |
| Average equity | $931,660,600 | 177 |
| Average total loans | $5,539,500,000 | 189 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 640 |
| Cost of funding earning assets | 1.1312% | 2,655 |
| Net interest margin | 4.7257% | 445 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 3.1646% | 855 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.4924% | 1,142 |
| Return on assets (ROA) | 1.4654% | 1,181 |
| Pretax return on assets | 1.8841% | 883 |
| Return on Equity (ROE) | 13.1500% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.7629% | 1,751 |
| Net charge-offs to loans | 0.1253% | 649 |
| Credit loss provision to net charge-offs | 270.0672% | 944 |
| Earnings coverage of net charge-offs (x) | 25.5850% | 1,683 |
| Efficiency ratio | 57.1234% | 3,300 |
| Assets per employee ($millions) | 6.0191% | 2,742 |
| Cash dividends to net income (ytd only)* | 33.3627% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,191 |
| Loan loss allowance to noncurrent loans | 178.2348% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,218 |
| Noncurrent loans to loans | 0.5800% | 1,382 |
| Net loans and leases to total assets | 67.5300% | 2,106 |
| Net loans and leases to deposits | 85.1439% | 1,642 |
| Net loans and leases to core deposits | 96.9215% | 1,508 |
| Total domestic deposits to total assets | 79.3200% | 3,633 |
| Equity capital to assets | 11.2709% | 1,248 |
| Core capital (leverage) ratio | 8.9287% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5946% | 2,419 |
| Memoranda: | ||
| Average total assets | $8,045,132,500 | 188 |
| Average earning assets | $7,146,968,000 | 189 |
| Average equity | $896,517,000 | 180 |
| Average total loans | $5,384,109,500 | 196 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 799 |
| Cost of funding earning assets | 0.9225% | 2,857 |
| Net interest margin | 4.6033% | 524 |
| Noninterest income to average assets | 1.1200% | 481 |
| Noninterest expense to average assets | 3.1223% | 879 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.4268% | 1,266 |
| Return on assets (ROA) | 1.3846% | 1,347 |
| Pretax return on assets | 1.7802% | 1,048 |
| Return on Equity (ROE) | 12.4800% | 2,017 |
| Retained earnings to average equity (ytd only) | 6.7834% | 2,360 |
| Net charge-offs to loans | 0.1064% | 653 |
| Credit loss provision to net charge-offs | 356.9343% | 780 |
| Earnings coverage of net charge-offs (x) | 29.5117% | 1,558 |
| Efficiency ratio | 57.6368% | 3,237 |
| Assets per employee ($millions) | 5.8487% | 2,843 |
| Cash dividends to net income (ytd only)* | 45.6442% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,321 |
| Loan loss allowance to noncurrent loans | 179.2678% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 1,145 |
| Noncurrent loans to loans | 0.5712% | 1,311 |
| Net loans and leases to total assets | 67.4400% | 2,017 |
| Net loans and leases to deposits | 84.4543% | 1,628 |
| Net loans and leases to core deposits | 94.5947% | 1,542 |
| Total domestic deposits to total assets | 79.8500% | 3,601 |
| Equity capital to assets | 11.4048% | 1,230 |
| Core capital (leverage) ratio | 9.0470% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1377% | 2,591 |
| Memoranda: | ||
| Average total assets | $7,753,391,000 | 188 |
| Average earning assets | $6,893,474,000 | 191 |
| Average equity | $860,221,667 | 178 |
| Average total loans | $5,149,783,000 | 196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 938 |
| Cost of funding earning assets | 0.6942% | 3,072 |
| Net interest margin | 4.5208% | 571 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 2.9832% | 1,087 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5948% | 989 |
| Return on assets (ROA) | 1.5112% | 1,143 |
| Pretax return on assets | 2.0284% | 737 |
| Return on Equity (ROE) | 13.8600% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.7801% | 2,290 |
| Net charge-offs to loans | 0.1304% | 506 |
| Credit loss provision to net charge-offs | 109.1321% | 1,065 |
| Earnings coverage of net charge-offs (x) | 26.1218% | 1,356 |
| Efficiency ratio | 55.2716% | 3,480 |
| Assets per employee ($millions) | 5.6684% | 3,056 |
| Cash dividends to net income (ytd only)* | 43.8484% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 2,961 |
| Loan loss allowance to noncurrent loans | 156.7966% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 876 |
| Noncurrent loans to loans | 0.7138% | 1,063 |
| Net loans and leases to total assets | 64.6000% | 2,193 |
| Net loans and leases to deposits | 81.0359% | 1,746 |
| Net loans and leases to core deposits | 87.0310% | 1,802 |
| Total domestic deposits to total assets | 79.7200% | 3,803 |
| Equity capital to assets | 11.0545% | 1,324 |
| Core capital (leverage) ratio | 8.6553% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8359% | 2,455 |
| Memoranda: | ||
| Average total assets | $7,243,581,500 | 208 |
| Average earning assets | $6,451,043,000 | 205 |
| Average equity | $790,062,000 | 196 |
| Average total loans | $4,735,767,500 | 211 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 1,213 |
| Cost of funding earning assets | 0.2409% | 3,407 |
| Net interest margin | 3.9734% | 824 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.8243% | 1,267 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4883% | 908 |
| Return on assets (ROA) | 1.4875% | 872 |
| Pretax return on assets | 1.8922% | 596 |
| Return on Equity (ROE) | 13.5000% | 1,657 |
| Retained earnings to average equity (ytd only) | 6.8968% | 2,284 |
| Net charge-offs to loans | 0.1585% | 521 |
| Credit loss provision to net charge-offs | -39.9202% | 4,560 |
| Earnings coverage of net charge-offs (x) | 18.2057% | 1,939 |
| Efficiency ratio | 58.0745% | 3,331 |
| Assets per employee ($millions) | 5.6808% | 3,048 |
| Cash dividends to net income (ytd only)* | 48.9021% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 2,746 |
| Loan loss allowance to noncurrent loans | 146.3832% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 792 |
| Noncurrent loans to loans | 0.7712% | 969 |
| Net loans and leases to total assets | 64.6900% | 2,178 |
| Net loans and leases to deposits | 81.2033% | 1,683 |
| Net loans and leases to core deposits | 84.5173% | 1,843 |
| Total domestic deposits to total assets | 79.6600% | 3,923 |
| Equity capital to assets | 10.7577% | 1,353 |
| Core capital (leverage) ratio | 8.5809% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5944% | 2,532 |
| Memoranda: | ||
| Average total assets | $7,148,699,400 | 209 |
| Average earning assets | $6,393,317,800 | 210 |
| Average equity | $787,831,400 | 196 |
| Average total loans | $4,587,036,600 | 206 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 1,200 |
| Cost of funding earning assets | 0.2099% | 3,148 |
| Net interest margin | 3.8225% | 916 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.7952% | 1,257 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.4678% | 914 |
| Return on assets (ROA) | 1.4690% | 894 |
| Pretax return on assets | 1.8641% | 640 |
| Return on Equity (ROE) | 13.2500% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.5097% | 2,548 |
| Net charge-offs to loans | 0.1503% | 437 |
| Credit loss provision to net charge-offs | -103.8155% | 4,643 |
| Earnings coverage of net charge-offs (x) | 18.3594% | 1,765 |
| Efficiency ratio | 58.9724% | 3,252 |
| Assets per employee ($millions) | 5.6229% | 3,106 |
| Cash dividends to net income (ytd only)* | 50.8712% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,813 |
| Loan loss allowance to noncurrent loans | 145.8010% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 816 |
| Noncurrent loans to loans | 0.7859% | 1,023 |
| Net loans and leases to total assets | 65.2000% | 1,961 |
| Net loans and leases to deposits | 77.5509% | 1,754 |
| Net loans and leases to core deposits | 80.1426% | 1,892 |
| Total domestic deposits to total assets | 84.0800% | 3,489 |
| Equity capital to assets | 10.7319% | 1,280 |
| Core capital (leverage) ratio | 8.3358% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5232% | 2,648 |
| Memoranda: | ||
| Average total assets | $7,136,480,750 | 211 |
| Average earning assets | $6,390,716,000 | 213 |
| Average equity | $791,215,750 | 195 |
| Average total loans | $4,556,473,250 | 205 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 1,338 |
| Cost of funding earning assets | 0.1973% | 2,949 |
| Net interest margin | 3.5920% | 1,080 |
| Noninterest income to average assets | 1.1156% | 541 |
| Noninterest expense to average assets | 2.7405% | 1,293 |
| Loan and lease loss provision to assets | -0.1994% | 4,683 |
| Net operating income to assets | 1.4180% | 867 |
| Return on assets (ROA) | 1.4193% | 843 |
| Pretax return on assets | 1.8057% | 591 |
| Return on Equity (ROE) | 12.6699% | 1,471 |
| Retained earnings to average equity (ytd only) | 6.9537% | 2,004 |
| Net charge-offs to loans | 0.1521% | 423 |
| Credit loss provision to net charge-offs | -207.5630% | 3,217 |
| Earnings coverage of net charge-offs (x) | 16.7007% | 1,620 |
| Efficiency ratio | 60.6741% | 3,217 |
| Assets per employee ($millions) | 5.7646% | 2,961 |
| Cash dividends to net income (ytd only)* | 45.1166% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 2,962 |
| Loan loss allowance to noncurrent loans | 138.6502% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 852 |
| Noncurrent loans to loans | 0.8247% | 1,041 |
| Net loans and leases to total assets | 62.2584% | 2,097 |
| Net loans and leases to deposits | 76.1856% | 1,677 |
| Net loans and leases to core deposits | 78.8637% | 1,786 |
| Total domestic deposits to total assets | 81.7194% | 4,044 |
| Equity capital to assets | 10.7556% | 1,334 |
| Core capital (leverage) ratio | 8.1956% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5585% | 2,659 |
| Memoranda: | ||
| Average total assets | $7,183,677,667 | 208 |
| Average earning assets | $6,458,913,667 | 210 |
| Average equity | $804,725,000 | 191 |
| Average total loans | $4,537,345,667 | 202 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5658% | 1,602 |
| Cost of funding earning assets | 0.1862% | 2,998 |
| Net interest margin | 3.3797% | 1,353 |
| Noninterest income to average assets | 1.1359% | 531 |
| Noninterest expense to average assets | 2.7711% | 1,213 |
| Loan and lease loss provision to assets | -0.3622% | 4,742 |
| Net operating income to assets | 1.4088% | 779 |
| Return on assets (ROA) | 1.4139% | 765 |
| Pretax return on assets | 1.7812% | 567 |
| Return on Equity (ROE) | 12.3705% | 1,203 |
| Retained earnings to average equity (ytd only) | 6.9795% | 1,897 |
| Net charge-offs to loans | 0.1691% | 352 |
| Credit loss provision to net charge-offs | -338.5340% | 3,064 |
| Earnings coverage of net charge-offs (x) | 13.2037% | 1,398 |
| Efficiency ratio | 63.9478% | 3,033 |
| Assets per employee ($millions) | 5.8069% | 2,994 |
| Cash dividends to net income (ytd only)* | 43.5799% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,839 |
| Loan loss allowance to noncurrent loans | 144.2706% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 901 |
| Noncurrent loans to loans | 0.8346% | 1,124 |
| Net loans and leases to total assets | 62.1594% | 1,838 |
| Net loans and leases to deposits | 74.6575% | 1,546 |
| Net loans and leases to core deposits | 77.2726% | 1,674 |
| Total domestic deposits to total assets | 83.2594% | 3,910 |
| Equity capital to assets | 11.0440% | 1,313 |
| Core capital (leverage) ratio | 7.9621% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3075% | 2,825 |
| Memoranda: | ||
| Average total assets | $7,140,915,000 | 211 |
| Average earning assets | $6,439,817,000 | 213 |
| Average equity | $816,165,500 | 192 |
| Average total loans | $4,517,002,000 | 204 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 2,546 |
| Cost of funding earning assets | 0.2279% | 3,162 |
| Net interest margin | 3.3108% | 2,286 |
| Noninterest income to average assets | 1.2326% | 703 |
| Noninterest expense to average assets | 3.0898% | 852 |
| Loan and lease loss provision to assets | 0.0014% | 3,045 |
| Net operating income to assets | 0.9001% | 3,046 |
| Return on assets (ROA) | 0.8888% | 3,143 |
| Pretax return on assets | 1.0990% | 2,972 |
| Return on Equity (ROE) | 7.7529% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.3990% | 3,461 |
| Net charge-offs to loans | 0.1224% | 740 |
| Credit loss provision to net charge-offs | -3.1323% | 3,153 |
| Earnings coverage of net charge-offs (x) | 13.7969% | 2,062 |
| Efficiency ratio | 71.5386% | 1,561 |
| Assets per employee ($millions) | 5.9404% | 2,835 |
| Cash dividends to net income (ytd only)* | 56.1580% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,535 |
| Loan loss allowance to noncurrent loans | 168.3870% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 903 |
| Noncurrent loans to loans | 0.8939% | 1,133 |
| Net loans and leases to total assets | 62.5632% | 1,876 |
| Net loans and leases to deposits | 75.0842% | 1,636 |
| Net loans and leases to core deposits | 78.0443% | 1,758 |
| Total domestic deposits to total assets | 83.3240% | 3,733 |
| Equity capital to assets | 11.8200% | 1,336 |
| Core capital (leverage) ratio | 8.2517% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4407% | 2,481 |
| Memoranda: | ||
| Average total assets | $5,810,234,600 | 240 |
| Average earning assets | $5,215,030,400 | 244 |
| Average equity | $666,076,400 | 225 |
| Average total loans | $3,834,166,200 | 226 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 2,967 |
| Cost of funding earning assets | 0.2490% | 3,137 |
| Net interest margin | 3.1984% | 2,731 |
| Noninterest income to average assets | 1.2247% | 764 |
| Noninterest expense to average assets | 3.2134% | 692 |
| Loan and lease loss provision to assets | 0.1888% | 559 |
| Net operating income to assets | 0.5608% | 4,080 |
| Return on assets (ROA) | 0.5474% | 4,148 |
| Pretax return on assets | 0.6671% | 4,126 |
| Return on Equity (ROE) | 4.8234% | 4,156 |
| Retained earnings to average equity (ytd only) | -1.3725% | 4,679 |
| Net charge-offs to loans | 0.1241% | 639 |
| Credit loss provision to net charge-offs | 222.7392% | 1,160 |
| Earnings coverage of net charge-offs (x) | 10.5259% | 2,034 |
| Efficiency ratio | 76.7137% | 985 |
| Assets per employee ($millions) | 5.9663% | 2,731 |
| Cash dividends to net income (ytd only)* | 128.4550% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 1,067 |
| Loan loss allowance to noncurrent loans | 186.9266% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 974 |
| Noncurrent loans to loans | 0.9212% | 1,249 |
| Net loans and leases to total assets | 62.6773% | 1,927 |
| Net loans and leases to deposits | 75.3878% | 1,727 |
| Net loans and leases to core deposits | 78.5671% | 1,850 |
| Total domestic deposits to total assets | 83.1398% | 3,668 |
| Equity capital to assets | 11.4976% | 1,682 |
| Core capital (leverage) ratio | 10.5476% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1089% | 2,674 |
| Memoranda: | ||
| Average total assets | $5,498,490,500 | 249 |
| Average earning assets | $4,918,025,000 | 256 |
| Average equity | $624,054,500 | 235 |
| Average total loans | $3,672,036,500 | 232 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 2,411 |
| Cost of funding earning assets | 0.2865% | 2,904 |
| Net interest margin | 3.3865% | 2,182 |
| Noninterest income to average assets | 1.3588% | 639 |
| Noninterest expense to average assets | 3.0174% | 958 |
| Loan and lease loss provision to assets | -0.0377% | 4,486 |
| Net operating income to assets | 1.1251% | 2,449 |
| Return on assets (ROA) | 1.1086% | 2,579 |
| Pretax return on assets | 1.3825% | 2,387 |
| Return on Equity (ROE) | 9.8284% | 2,814 |
| Retained earnings to average equity (ytd only) | 2.3554% | 4,033 |
| Net charge-offs to loans | 0.1078% | 705 |
| Credit loss provision to net charge-offs | -58.9295% | 2,999 |
| Earnings coverage of net charge-offs (x) | 18.5789% | 1,562 |
| Efficiency ratio | 67.0248% | 2,010 |
| Assets per employee ($millions) | 5.4707% | 3,160 |
| Cash dividends to net income (ytd only)* | 76.0346% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,883 |
| Loan loss allowance to noncurrent loans | 178.7547% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 1,555 |
| Noncurrent loans to loans | 0.7947% | 1,533 |
| Net loans and leases to total assets | 65.7456% | 1,712 |
| Net loans and leases to deposits | 78.1882% | 1,601 |
| Net loans and leases to core deposits | 82.7842% | 1,655 |
| Total domestic deposits to total assets | 84.0864% | 3,406 |
| Equity capital to assets | 11.1635% | 1,862 |
| Core capital (leverage) ratio | 7.3190% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9360% | 2,973 |
| Memoranda: | ||
| Average total assets | $4,982,599,667 | 269 |
| Average earning assets | $4,449,488,667 | 270 |
| Average equity | $562,025,333 | 249 |
| Average total loans | $3,398,139,667 | 250 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 2,813 |
| Cost of funding earning assets | 0.3007% | 2,986 |
| Net interest margin | 3.2368% | 2,581 |
| Noninterest income to average assets | 1.4192% | 664 |
| Noninterest expense to average assets | 2.9372% | 1,098 |
| Loan and lease loss provision to assets | -0.3470% | 4,882 |
| Net operating income to assets | 1.3732% | 1,626 |
| Return on assets (ROA) | 1.3532% | 1,763 |
| Pretax return on assets | 1.6868% | 1,522 |
| Return on Equity (ROE) | 11.9341% | 2,044 |
| Retained earnings to average equity (ytd only) | 2.6580% | 3,884 |
| Net charge-offs to loans | 0.1233% | 585 |
| Credit loss provision to net charge-offs | -419.6955% | 3,134 |
| Earnings coverage of net charge-offs (x) | 16.0485% | 1,325 |
| Efficiency ratio | 67.1105% | 2,054 |
| Assets per employee ($millions) | 5.7875% | 2,810 |
| Cash dividends to net income (ytd only)* | 77.7280% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,367 |
| Loan loss allowance to noncurrent loans | 174.1004% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 1,876 |
| Noncurrent loans to loans | 0.7558% | 1,725 |
| Net loans and leases to total assets | 65.5879% | 1,849 |
| Net loans and leases to deposits | 77.8405% | 1,736 |
| Net loans and leases to core deposits | 82.5508% | 1,798 |
| Total domestic deposits to total assets | 84.2593% | 3,353 |
| Equity capital to assets | 10.8947% | 1,940 |
| Core capital (leverage) ratio | 8.4420% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0004% | 2,664 |
| Memoranda: | ||
| Average total assets | $4,943,686,500 | 265 |
| Average earning assets | $4,402,924,500 | 269 |
| Average equity | $560,577,500 | 246 |
| Average total loans | $3,409,734,500 | 248 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 3,447 |
| Cost of funding earning assets | 0.4258% | 3,426 |
| Net interest margin | 3.3233% | 3,010 |
| Noninterest income to average assets | 1.3706% | 622 |
| Noninterest expense to average assets | 2.8053% | 1,929 |
| Loan and lease loss provision to assets | 0.5302% | 434 |
| Net operating income to assets | 0.8132% | 3,039 |
| Return on assets (ROA) | 0.8183% | 3,144 |
| Pretax return on assets | 1.0083% | 3,018 |
| Return on Equity (ROE) | 6.8045% | 3,280 |
| Retained earnings to average equity (ytd only) | -1.8822% | 4,698 |
| Net charge-offs to loans | 0.0549% | 2,000 |
| Credit loss provision to net charge-offs | 1,407.4872% | 597 |
| Earnings coverage of net charge-offs (x) | 40.7652% | 1,375 |
| Efficiency ratio | 63.0916% | 2,962 |
| Assets per employee ($millions) | 5.3175% | 3,030 |
| Cash dividends to net income (ytd only)* | 127.6607% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 1,662 |
| Loan loss allowance to noncurrent loans | 180.1431% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 1,780 |
| Noncurrent loans to loans | 0.8204% | 1,707 |
| Net loans and leases to total assets | 70.6216% | 1,478 |
| Net loans and leases to deposits | 85.4952% | 1,294 |
| Net loans and leases to core deposits | 91.5161% | 1,423 |
| Total domestic deposits to total assets | 82.6030% | 3,513 |
| Equity capital to assets | 11.8193% | 1,667 |
| Core capital (leverage) ratio | 8.5179% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8359% | 2,305 |
| Memoranda: | ||
| Average total assets | $4,690,670,400 | 257 |
| Average earning assets | $4,187,577,600 | 257 |
| Average equity | $564,086,400 | 241 |
| Average total loans | $3,211,762,000 | 253 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 3,538 |
| Cost of funding earning assets | 0.4573% | 3,482 |
| Net interest margin | 3.3526% | 3,038 |
| Noninterest income to average assets | 1.3604% | 599 |
| Noninterest expense to average assets | 2.8327% | 1,875 |
| Loan and lease loss provision to assets | 0.9036% | 173 |
| Net operating income to assets | 0.4878% | 4,066 |
| Return on assets (ROA) | 0.4961% | 4,135 |
| Pretax return on assets | 0.6236% | 4,065 |
| Return on Equity (ROE) | 4.1075% | 4,133 |
| Retained earnings to average equity (ytd only) | -4.3932% | 4,824 |
| Net charge-offs to loans | 0.0364% | 2,106 |
| Credit loss provision to net charge-offs | 3,667.1296% | 290 |
| Earnings coverage of net charge-offs (x) | 61.5567% | 1,082 |
| Efficiency ratio | 63.6084% | 2,800 |
| Assets per employee ($millions) | 5.5378% | 2,672 |
| Cash dividends to net income (ytd only)* | 206.9560% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 941 |
| Loan loss allowance to noncurrent loans | 198.7214% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 1,926 |
| Noncurrent loans to loans | 0.8407% | 1,749 |
| Net loans and leases to total assets | 69.7311% | 1,998 |
| Net loans and leases to deposits | 86.2971% | 1,665 |
| Net loans and leases to core deposits | 94.7827% | 1,567 |
| Total domestic deposits to total assets | 80.8036% | 3,700 |
| Equity capital to assets | 11.3214% | 2,134 |
| Core capital (leverage) ratio | 8.2269% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7232% | 2,314 |
| Memoranda: | ||
| Average total assets | $4,674,877,000 | 254 |
| Average earning assets | $4,168,061,750 | 254 |
| Average equity | $564,640,500 | 240 |
| Average total loans | $3,162,802,750 | 255 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 3,560 |
| Cost of funding earning assets | 0.5129% | 3,457 |
| Net interest margin | 3.4073% | 3,076 |
| Noninterest income to average assets | 1.3358% | 577 |
| Noninterest expense to average assets | 2.8419% | 1,996 |
| Loan and lease loss provision to assets | 1.1825% | 146 |
| Net operating income to assets | 0.2754% | 4,462 |
| Return on assets (ROA) | 0.2881% | 4,477 |
| Pretax return on assets | 0.3562% | 4,457 |
| Return on Equity (ROE) | 2.3337% | 4,465 |
| Retained earnings to average equity (ytd only) | -5.7693% | 4,804 |
| Net charge-offs to loans | 0.0084% | 2,646 |
| Credit loss provision to net charge-offs | 21,072.0930% | 53 |
| Earnings coverage of net charge-offs (x) | 271.4031% | 345 |
| Efficiency ratio | 63.6563% | 2,865 |
| Assets per employee ($millions) | 5.5693% | 2,577 |
| Cash dividends to net income (ytd only)* | 347.2222% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 985 |
| Loan loss allowance to noncurrent loans | 202.0216% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 2,176 |
| Noncurrent loans to loans | 0.7966% | 1,901 |
| Net loans and leases to total assets | 66.7547% | 2,530 |
| Net loans and leases to deposits | 82.4261% | 2,161 |
| Net loans and leases to core deposits | 91.9458% | 1,910 |
| Total domestic deposits to total assets | 80.9874% | 3,611 |
| Equity capital to assets | 11.2352% | 2,157 |
| Core capital (leverage) ratio | 8.6164% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2568% | 2,083 |
| Memoranda: | ||
| Average total assets | $4,597,660,333 | 255 |
| Average earning assets | $4,087,323,667 | 257 |
| Average equity | $567,691,667 | 242 |
| Average total loans | $3,057,235,333 | 257 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 3,367 |
| Cost of funding earning assets | 0.6231% | 3,316 |
| Net interest margin | 3.5310% | 2,879 |
| Noninterest income to average assets | 1.4338% | 436 |
| Noninterest expense to average assets | 3.0622% | 1,741 |
| Loan and lease loss provision to assets | 1.4543% | 108 |
| Net operating income to assets | 0.0566% | 4,704 |
| Return on assets (ROA) | 0.0788% | 4,674 |
| Pretax return on assets | 0.0941% | 4,667 |
| Return on Equity (ROE) | 0.6072% | 4,678 |
| Retained earnings to average equity (ytd only) | -6.3878% | 4,607 |
| Net charge-offs to loans | 0.0688% | 1,338 |
| Credit loss provision to net charge-offs | 3,217.4699% | 244 |
| Earnings coverage of net charge-offs (x) | 33.6727% | 1,111 |
| Efficiency ratio | 65.3553% | 3,045 |
| Assets per employee ($millions) | 4.9698% | 2,681 |
| Cash dividends to net income (ytd only)* | 1,152.0737% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,445 |
| Loan loss allowance to noncurrent loans | 158.4940% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,175 |
| Noncurrent loans to loans | 0.9275% | 1,771 |
| Net loans and leases to total assets | 64.3268% | 3,028 |
| Net loans and leases to deposits | 84.1405% | 2,207 |
| Net loans and leases to core deposits | 90.2683% | 2,318 |
| Total domestic deposits to total assets | 76.4517% | 4,427 |
| Equity capital to assets | 12.7777% | 1,561 |
| Core capital (leverage) ratio | 9.5834% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7040% | 2,002 |
| Memoranda: | ||
| Average total assets | $4,407,030,000 | 257 |
| Average earning assets | $3,931,978,500 | 259 |
| Average equity | $571,841,000 | 239 |
| Average total loans | $2,896,839,000 | 261 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,823 |
| Cost of funding earning assets | 0.7684% | 2,835 |
| Net interest margin | 3.7673% | 2,619 |
| Noninterest income to average assets | 1.5443% | 392 |
| Noninterest expense to average assets | 3.1500% | 1,644 |
| Loan and lease loss provision to assets | 0.0596% | 2,845 |
| Net operating income to assets | 1.3811% | 1,408 |
| Return on assets (ROA) | 1.4001% | 1,413 |
| Pretax return on assets | 1.7177% | 1,145 |
| Return on Equity (ROE) | 10.7930% | 1,968 |
| Retained earnings to average equity (ytd only) | 4.0083% | 2,959 |
| Net charge-offs to loans | 0.0407% | 2,575 |
| Credit loss provision to net charge-offs | 219.0726% | 1,210 |
| Earnings coverage of net charge-offs (x) | 64.5144% | 940 |
| Efficiency ratio | 62.6027% | 3,277 |
| Assets per employee ($millions) | 4.8634% | 2,758 |
| Cash dividends to net income (ytd only)* | 62.8621% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,458 |
| Loan loss allowance to noncurrent loans | 99.2769% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,400 |
| Noncurrent loans to loans | 0.7539% | 2,004 |
| Net loans and leases to total assets | 65.6711% | 2,991 |
| Net loans and leases to deposits | 86.2096% | 2,059 |
| Net loans and leases to core deposits | 95.0384% | 1,983 |
| Total domestic deposits to total assets | 76.1761% | 4,581 |
| Equity capital to assets | 13.1741% | 1,425 |
| Core capital (leverage) ratio | 9.7451% | 3,796 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,323 |
| Total risk-based capital ratio | 14.6160% | 3,483 |
| Memoranda: | ||
| Average total assets | $4,203,939,200 | 256 |
| Average earning assets | $3,749,108,400 | 257 |
| Average equity | $545,344,600 | 235 |
| Average total loans | $2,809,668,400 | 265 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,769 |
| Cost of funding earning assets | 0.7795% | 2,819 |
| Net interest margin | 3.8072% | 2,573 |
| Noninterest income to average assets | 1.5181% | 397 |
| Noninterest expense to average assets | 3.1847% | 1,493 |
| Loan and lease loss provision to assets | 0.0438% | 3,033 |
| Net operating income to assets | 1.3544% | 1,632 |
| Return on assets (ROA) | 1.3768% | 1,615 |
| Pretax return on assets | 1.7115% | 1,312 |
| Return on Equity (ROE) | 10.6570% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.7221% | 3,538 |
| Net charge-offs to loans | -0.0011% | 4,003 |
| Credit loss provision to net charge-offs | -6,218.1818% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2270% | 3,122 |
| Assets per employee ($millions) | 4.8274% | 2,757 |
| Cash dividends to net income (ytd only)* | 65.0739% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,530 |
| Loan loss allowance to noncurrent loans | 104.1999% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 2,611 |
| Noncurrent loans to loans | 0.7256% | 2,152 |
| Net loans and leases to total assets | 64.4961% | 3,237 |
| Net loans and leases to deposits | 83.8225% | 2,478 |
| Net loans and leases to core deposits | 93.7552% | 2,201 |
| Total domestic deposits to total assets | 76.9437% | 4,520 |
| Equity capital to assets | 12.9553% | 1,655 |
| Core capital (leverage) ratio | 9.6407% | 4,035 |
| Tier 1 risk-based capital ratio | 13.5513% | 3,543 |
| Total risk-based capital ratio | 14.2858% | 3,728 |
| Memoranda: | ||
| Average total assets | $4,166,747,750 | 260 |
| Average earning assets | $3,714,256,500 | 260 |
| Average equity | $538,323,500 | 238 |
| Average total loans | $2,792,079,500 | 269 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 2,637 |
| Cost of funding earning assets | 0.7654% | 2,824 |
| Net interest margin | 3.8477% | 2,415 |
| Noninterest income to average assets | 1.5034% | 399 |
| Noninterest expense to average assets | 3.3095% | 1,266 |
| Loan and lease loss provision to assets | 0.0177% | 3,438 |
| Net operating income to assets | 1.2937% | 1,801 |
| Return on assets (ROA) | 1.3239% | 1,734 |
| Pretax return on assets | 1.6462% | 1,408 |
| Return on Equity (ROE) | 10.2575% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.0614% | 3,690 |
| Net charge-offs to loans | -0.0577% | 4,862 |
| Credit loss provision to net charge-offs | -45.4318% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5495% | 2,882 |
| Assets per employee ($millions) | 4.6547% | 2,932 |
| Cash dividends to net income (ytd only)* | 70.1547% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 4,593 |
| Loan loss allowance to noncurrent loans | 106.5612% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 2,643 |
| Noncurrent loans to loans | 0.7058% | 2,212 |
| Net loans and leases to total assets | 65.9516% | 3,114 |
| Net loans and leases to deposits | 83.2959% | 2,573 |
| Net loans and leases to core deposits | 95.2273% | 2,136 |
| Total domestic deposits to total assets | 79.1775% | 4,189 |
| Equity capital to assets | 13.1383% | 1,523 |
| Core capital (leverage) ratio | 9.6613% | 3,968 |
| Tier 1 risk-based capital ratio | 13.5667% | 3,539 |
| Total risk-based capital ratio | 14.3030% | 3,716 |
| Memoranda: | ||
| Average total assets | $4,091,350,000 | 266 |
| Average earning assets | $3,649,625,000 | 264 |
| Average equity | $528,060,330 | 242 |
| Average total loans | $2,771,160,000 | 271 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,710 |
| Cost of funding earning assets | 0.7324% | 2,873 |
| Net interest margin | 3.8135% | 2,477 |
| Noninterest income to average assets | 1.5001% | 390 |
| Noninterest expense to average assets | 3.0201% | 1,940 |
| Loan and lease loss provision to assets | -0.0263% | 5,233 |
| Net operating income to assets | 1.5288% | 1,053 |
| Return on assets (ROA) | 1.5951% | 935 |
| Pretax return on assets | 1.9919% | 651 |
| Return on Equity (ROE) | 12.4781% | 1,388 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,367 |
| Net charge-offs to loans | -0.1472% | 5,119 |
| Credit loss provision to net charge-offs | 26.1172% | 2,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1835% | 3,780 |
| Assets per employee ($millions) | 4.6792% | 2,943 |
| Cash dividends to net income (ytd only)* | 68.9525% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 4,624 |
| Loan loss allowance to noncurrent loans | 115.2838% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,779 |
| Noncurrent loans to loans | 0.6629% | 2,358 |
| Net loans and leases to total assets | 67.7211% | 2,794 |
| Net loans and leases to deposits | 86.1079% | 2,122 |
| Net loans and leases to core deposits | 97.4002% | 1,824 |
| Total domestic deposits to total assets | 78.6468% | 4,410 |
| Equity capital to assets | 12.8671% | 1,532 |
| Core capital (leverage) ratio | 9.6561% | 3,965 |
| Tier 1 risk-based capital ratio | 13.3136% | 3,709 |
| Total risk-based capital ratio | 14.0650% | 3,872 |
| Memoranda: | ||
| Average total assets | $4,000,530,000 | 271 |
| Average earning assets | $3,569,630,000 | 270 |
| Average equity | $511,391,500 | 249 |
| Average total loans | $2,737,009,500 | 273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 2,666 |
| Cost of funding earning assets | 0.6199% | 2,589 |
| Net interest margin | 3.8086% | 2,636 |
| Noninterest income to average assets | 1.5221% | 398 |
| Noninterest expense to average assets | 3.1686% | 1,632 |
| Loan and lease loss provision to assets | 0.1423% | 1,511 |
| Net operating income to assets | 1.3126% | 1,747 |
| Return on assets (ROA) | 1.3091% | 1,742 |
| Pretax return on assets | 1.6022% | 1,463 |
| Return on Equity (ROE) | 10.6758% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.8002% | 1,329 |
| Net charge-offs to loans | 0.1568% | 1,226 |
| Credit loss provision to net charge-offs | 134.6515% | 1,977 |
| Earnings coverage of net charge-offs (x) | 16.5470% | 2,242 |
| Efficiency ratio | 62.6643% | 3,410 |
| Assets per employee ($millions) | 4.5767% | 3,052 |
| Cash dividends to net income (ytd only)* | 26.9354% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 4,710 |
| Loan loss allowance to noncurrent loans | 104.3669% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 2,623 |
| Noncurrent loans to loans | 0.7077% | 2,221 |
| Net loans and leases to total assets | 68.0844% | 2,876 |
| Net loans and leases to deposits | 91.3437% | 1,623 |
| Net loans and leases to core deposits | 103.3172% | 1,476 |
| Total domestic deposits to total assets | 74.5365% | 4,912 |
| Equity capital to assets | 12.6985% | 1,485 |
| Core capital (leverage) ratio | 9.3606% | 4,286 |
| Tier 1 risk-based capital ratio | 13.0009% | 3,844 |
| Total risk-based capital ratio | 13.7286% | 4,017 |
| Memoranda: | ||
| Average total assets | $3,828,474,400 | 273 |
| Average earning assets | $3,412,878,800 | 275 |
| Average equity | $469,473,800 | 256 |
| Average total loans | $2,581,015,200 | 278 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 2,752 |
| Cost of funding earning assets | 0.5831% | 2,601 |
| Net interest margin | 3.7812% | 2,711 |
| Noninterest income to average assets | 1.5380% | 413 |
| Noninterest expense to average assets | 3.2160% | 1,489 |
| Loan and lease loss provision to assets | 0.1574% | 1,237 |
| Net operating income to assets | 1.2419% | 2,073 |
| Return on assets (ROA) | 1.2376% | 2,098 |
| Pretax return on assets | 1.5285% | 1,811 |
| Return on Equity (ROE) | 10.1875% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.0150% | 1,645 |
| Net charge-offs to loans | 0.1776% | 938 |
| Credit loss provision to net charge-offs | 132.0638% | 1,871 |
| Earnings coverage of net charge-offs (x) | 14.1901% | 2,299 |
| Efficiency ratio | 63.7594% | 3,224 |
| Assets per employee ($millions) | 4.7082% | 2,835 |
| Cash dividends to net income (ytd only)* | 21.3250% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,806 |
| Loan loss allowance to noncurrent loans | 109.9685% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 2,872 |
| Noncurrent loans to loans | 0.6664% | 2,411 |
| Net loans and leases to total assets | 67.3611% | 3,028 |
| Net loans and leases to deposits | 88.0747% | 2,146 |
| Net loans and leases to core deposits | 99.3056% | 1,845 |
| Total domestic deposits to total assets | 76.4818% | 4,732 |
| Equity capital to assets | 12.2646% | 1,731 |
| Core capital (leverage) ratio | 9.1849% | 4,527 |
| Tier 1 risk-based capital ratio | 12.8601% | 3,988 |
| Total risk-based capital ratio | 13.5816% | 4,188 |
| Memoranda: | ||
| Average total assets | $3,789,015,750 | 272 |
| Average earning assets | $3,376,110,750 | 275 |
| Average equity | $460,292,250 | 256 |
| Average total loans | $2,542,707,000 | 279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,846 |
| Cost of funding earning assets | 0.5180% | 2,867 |
| Net interest margin | 3.7587% | 2,721 |
| Noninterest income to average assets | 1.5561% | 402 |
| Noninterest expense to average assets | 3.3120% | 1,293 |
| Loan and lease loss provision to assets | 0.1705% | 1,077 |
| Net operating income to assets | 1.1483% | 2,400 |
| Return on assets (ROA) | 1.1424% | 2,432 |
| Pretax return on assets | 1.4164% | 2,094 |
| Return on Equity (ROE) | 9.4363% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.3259% | 1,481 |
| Net charge-offs to loans | 0.2170% | 734 |
| Credit loss provision to net charge-offs | 117.5315% | 1,816 |
| Earnings coverage of net charge-offs (x) | 10.9893% | 2,300 |
| Efficiency ratio | 65.7366% | 3,025 |
| Assets per employee ($millions) | 4.6009% | 2,971 |
| Cash dividends to net income (ytd only)* | 11.7669% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 4,912 |
| Loan loss allowance to noncurrent loans | 106.7723% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,903 |
| Noncurrent loans to loans | 0.6701% | 2,431 |
| Net loans and leases to total assets | 67.4103% | 2,961 |
| Net loans and leases to deposits | 90.5834% | 1,769 |
| Net loans and leases to core deposits | 100.5436% | 1,689 |
| Total domestic deposits to total assets | 74.4179% | 5,010 |
| Equity capital to assets | 12.2118% | 1,716 |
| Core capital (leverage) ratio | 9.1782% | 4,489 |
| Tier 1 risk-based capital ratio | 12.4927% | 4,183 |
| Total risk-based capital ratio | 13.1908% | 4,408 |
| Memoranda: | ||
| Average total assets | $3,719,588,670 | 274 |
| Average earning assets | $3,315,295,330 | 277 |
| Average equity | $450,305,000 | 258 |
| Average total loans | $2,486,108,330 | 281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,103 |
| Cost of funding earning assets | 0.4681% | 3,061 |
| Net interest margin | 3.6675% | 2,928 |
| Noninterest income to average assets | 1.6588% | 358 |
| Noninterest expense to average assets | 2.9840% | 2,101 |
| Loan and lease loss provision to assets | 0.2206% | 714 |
| Net operating income to assets | 1.3896% | 1,369 |
| Return on assets (ROA) | 1.3905% | 1,377 |
| Pretax return on assets | 1.7276% | 1,051 |
| Return on Equity (ROE) | 11.5413% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.5413% | 781 |
| Net charge-offs to loans | 0.3320% | 460 |
| Credit loss provision to net charge-offs | 100.2528% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.8504% | 2,005 |
| Efficiency ratio | 58.8136% | 4,246 |
| Assets per employee ($millions) | 4.5175% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,834 |
| Loan loss allowance to noncurrent loans | 109.0877% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 2,944 |
| Noncurrent loans to loans | 0.7162% | 2,421 |
| Net loans and leases to total assets | 65.8878% | 3,048 |
| Net loans and leases to deposits | 84.5835% | 2,333 |
| Net loans and leases to core deposits | 91.9876% | 2,306 |
| Total domestic deposits to total assets | 77.8967% | 4,739 |
| Equity capital to assets | 12.0098% | 1,778 |
| Core capital (leverage) ratio | 9.0533% | 4,621 |
| Tier 1 risk-based capital ratio | 12.4849% | 4,245 |
| Total risk-based capital ratio | 13.2327% | 4,452 |
| Memoranda: | ||
| Average total assets | $3,596,375,000 | 280 |
| Average earning assets | $3,208,801,000 | 282 |
| Average equity | $433,297,500 | 266 |
| Average total loans | $2,382,778,000 | 287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,213 |
| Cost of funding earning assets | 0.4357% | 2,908 |
| Net interest margin | 3.6219% | 3,096 |
| Noninterest income to average assets | 1.5404% | 440 |
| Noninterest expense to average assets | 2.9899% | 2,191 |
| Loan and lease loss provision to assets | 0.1078% | 2,083 |
| Net operating income to assets | 1.1194% | 1,796 |
| Return on assets (ROA) | 1.1267% | 1,791 |
| Pretax return on assets | 1.6762% | 1,074 |
| Return on Equity (ROE) | 9.7273% | 2,005 |
| Retained earnings to average equity (ytd only) | 3.0629% | 3,469 |
| Net charge-offs to loans | 0.1486% | 1,605 |
| Credit loss provision to net charge-offs | 110.6808% | 2,348 |
| Earnings coverage of net charge-offs (x) | 18.1981% | 2,086 |
| Efficiency ratio | 60.6633% | 4,162 |
| Assets per employee ($millions) | 4.6121% | 3,010 |
| Cash dividends to net income (ytd only)* | 68.5123% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,846 |
| Loan loss allowance to noncurrent loans | 108.5171% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 2,919 |
| Noncurrent loans to loans | 0.7339% | 2,378 |
| Net loans and leases to total assets | 65.5747% | 3,151 |
| Net loans and leases to deposits | 85.3117% | 2,340 |
| Net loans and leases to core deposits | 93.1304% | 2,272 |
| Total domestic deposits to total assets | 76.8648% | 4,872 |
| Equity capital to assets | 12.0872% | 1,774 |
| Core capital (leverage) ratio | 9.0642% | 4,568 |
| Tier 1 risk-based capital ratio | 12.6058% | 4,141 |
| Total risk-based capital ratio | 13.3680% | 4,344 |
| Memoranda: | ||
| Average total assets | $3,497,759,000 | 276 |
| Average earning assets | $3,112,135,200 | 276 |
| Average equity | $405,137,400 | 265 |
| Average total loans | $2,293,683,200 | 286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 3,242 |
| Cost of funding earning assets | 0.4223% | 2,965 |
| Net interest margin | 3.6088% | 3,115 |
| Noninterest income to average assets | 1.5537% | 451 |
| Noninterest expense to average assets | 2.9883% | 2,136 |
| Loan and lease loss provision to assets | 0.1018% | 2,076 |
| Net operating income to assets | 1.1433% | 1,903 |
| Return on assets (ROA) | 1.1533% | 1,915 |
| Pretax return on assets | 1.6875% | 1,157 |
| Return on Equity (ROE) | 10.0692% | 2,103 |
| Retained earnings to average equity (ytd only) | 1.0367% | 4,964 |
| Net charge-offs to loans | 0.1226% | 1,565 |
| Credit loss provision to net charge-offs | 126.8863% | 1,921 |
| Earnings coverage of net charge-offs (x) | 22.1194% | 1,882 |
| Efficiency ratio | 60.6453% | 4,103 |
| Assets per employee ($millions) | 4.5514% | 3,048 |
| Cash dividends to net income (ytd only)* | 89.7040% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,853 |
| Loan loss allowance to noncurrent loans | 96.1085% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 2,830 |
| Noncurrent loans to loans | 0.8479% | 2,245 |
| Net loans and leases to total assets | 65.2840% | 3,207 |
| Net loans and leases to deposits | 86.0024% | 2,291 |
| Net loans and leases to core deposits | 91.4926% | 2,494 |
| Total domestic deposits to total assets | 75.9095% | 5,024 |
| Equity capital to assets | 11.3086% | 2,564 |
| Core capital (leverage) ratio | 8.6563% | 5,105 |
| Tier 1 risk-based capital ratio | 12.0159% | 4,604 |
| Total risk-based capital ratio | 12.7911% | 4,824 |
| Memoranda: | ||
| Average total assets | $3,479,760,250 | 276 |
| Average earning assets | $3,094,439,750 | 278 |
| Average equity | $398,551,250 | 267 |
| Average total loans | $2,277,192,250 | 287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,336 |
| Cost of funding earning assets | 0.4024% | 3,046 |
| Net interest margin | 3.5611% | 3,180 |
| Noninterest income to average assets | 1.6007% | 435 |
| Noninterest expense to average assets | 3.0152% | 2,072 |
| Loan and lease loss provision to assets | 0.0908% | 2,165 |
| Net operating income to assets | 1.1328% | 1,842 |
| Return on assets (ROA) | 1.1468% | 1,844 |
| Pretax return on assets | 1.6785% | 1,104 |
| Return on Equity (ROE) | 9.9698% | 2,048 |
| Retained earnings to average equity (ytd only) | 1.4254% | 4,677 |
| Net charge-offs to loans | 0.1049% | 1,582 |
| Credit loss provision to net charge-offs | 132.5738% | 1,659 |
| Earnings coverage of net charge-offs (x) | 25.5257% | 1,602 |
| Efficiency ratio | 61.1874% | 4,134 |
| Assets per employee ($millions) | 4.5305% | 3,054 |
| Cash dividends to net income (ytd only)* | 85.7028% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,897 |
| Loan loss allowance to noncurrent loans | 96.4674% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,843 |
| Noncurrent loans to loans | 0.8488% | 2,284 |
| Net loans and leases to total assets | 64.9072% | 3,264 |
| Net loans and leases to deposits | 84.5942% | 2,393 |
| Net loans and leases to core deposits | 90.6951% | 2,461 |
| Total domestic deposits to total assets | 76.7278% | 5,000 |
| Equity capital to assets | 11.4077% | 2,401 |
| Core capital (leverage) ratio | 8.7700% | 4,983 |
| Tier 1 risk-based capital ratio | 12.1714% | 4,510 |
| Total risk-based capital ratio | 12.9519% | 4,718 |
| Memoranda: | ||
| Average total assets | $3,459,352,000 | 278 |
| Average earning assets | $3,072,886,000 | 281 |
| Average equity | $397,922,670 | 265 |
| Average total loans | $2,259,360,330 | 291 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,377 |
| Cost of funding earning assets | 0.3878% | 3,119 |
| Net interest margin | 3.5177% | 3,210 |
| Noninterest income to average assets | 1.5880% | 444 |
| Noninterest expense to average assets | 3.0722% | 1,951 |
| Loan and lease loss provision to assets | 0.0727% | 2,353 |
| Net operating income to assets | 1.0724% | 1,970 |
| Return on assets (ROA) | 1.0993% | 1,916 |
| Pretax return on assets | 1.6050% | 1,221 |
| Return on Equity (ROE) | 9.5165% | 2,178 |
| Retained earnings to average equity (ytd only) | 1.4483% | 4,525 |
| Net charge-offs to loans | 0.1045% | 1,326 |
| Credit loss provision to net charge-offs | 106.6667% | 1,506 |
| Earnings coverage of net charge-offs (x) | 24.0359% | 1,370 |
| Efficiency ratio | 63.0886% | 3,974 |
| Assets per employee ($millions) | 4.4413% | 3,270 |
| Cash dividends to net income (ytd only)* | 84.7817% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 5,007 |
| Loan loss allowance to noncurrent loans | 86.7083% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,727 |
| Noncurrent loans to loans | 0.9461% | 2,150 |
| Net loans and leases to total assets | 64.7872% | 3,146 |
| Net loans and leases to deposits | 82.1452% | 2,491 |
| Net loans and leases to core deposits | 87.7698% | 2,571 |
| Total domestic deposits to total assets | 78.8690% | 4,846 |
| Equity capital to assets | 11.5411% | 2,156 |
| Core capital (leverage) ratio | 8.8109% | 4,946 |
| Tier 1 risk-based capital ratio | 12.2623% | 4,536 |
| Total risk-based capital ratio | 13.0397% | 4,767 |
| Memoranda: | ||
| Average total assets | $3,433,472,500 | 281 |
| Average earning assets | $3,047,584,000 | 285 |
| Average equity | $396,615,000 | 265 |
| Average total loans | $2,240,151,000 | 294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 3,572 |
| Cost of funding earning assets | 0.3682% | 3,331 |
| Net interest margin | 3.5314% | 3,311 |
| Noninterest income to average assets | 1.5556% | 500 |
| Noninterest expense to average assets | 3.1400% | 1,927 |
| Loan and lease loss provision to assets | 0.1064% | 2,273 |
| Net operating income to assets | 0.9848% | 2,415 |
| Return on assets (ROA) | 1.0025% | 2,447 |
| Pretax return on assets | 1.4709% | 1,675 |
| Return on Equity (ROE) | 8.4161% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.2431% | 3,600 |
| Net charge-offs to loans | 0.0881% | 2,440 |
| Credit loss provision to net charge-offs | 187.3478% | 1,503 |
| Earnings coverage of net charge-offs (x) | 27.3197% | 1,517 |
| Efficiency ratio | 64.3510% | 3,875 |
| Assets per employee ($millions) | 4.3740% | 3,325 |
| Cash dividends to net income (ytd only)* | 61.4656% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 5,029 |
| Loan loss allowance to noncurrent loans | 73.4340% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 2,481 |
| Noncurrent loans to loans | 1.1259% | 1,829 |
| Net loans and leases to total assets | 64.6265% | 3,268 |
| Net loans and leases to deposits | 87.6763% | 1,962 |
| Net loans and leases to core deposits | 91.7463% | 2,324 |
| Total domestic deposits to total assets | 73.7104% | 5,460 |
| Equity capital to assets | 11.5618% | 2,111 |
| Core capital (leverage) ratio | 8.9890% | 4,756 |
| Tier 1 risk-based capital ratio | 12.3123% | 4,499 |
| Total risk-based capital ratio | 13.0912% | 4,730 |
| Memoranda: | ||
| Average total assets | $3,326,783,800 | 281 |
| Average earning assets | $2,954,016,400 | 281 |
| Average equity | $396,290,000 | 259 |
| Average total loans | $2,143,270,400 | 293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 3,578 |
| Cost of funding earning assets | 0.3692% | 3,338 |
| Net interest margin | 3.5337% | 3,347 |
| Noninterest income to average assets | 1.5922% | 484 |
| Noninterest expense to average assets | 3.1454% | 1,912 |
| Loan and lease loss provision to assets | 0.1141% | 2,027 |
| Net operating income to assets | 1.0037% | 2,414 |
| Return on assets (ROA) | 1.0256% | 2,443 |
| Pretax return on assets | 1.5043% | 1,700 |
| Return on Equity (ROE) | 8.5447% | 2,741 |
| Retained earnings to average equity (ytd only) | 4.0050% | 3,451 |
| Net charge-offs to loans | 0.0872% | 2,091 |
| Credit loss provision to net charge-offs | 203.7464% | 1,424 |
| Earnings coverage of net charge-offs (x) | 28.3148% | 1,539 |
| Efficiency ratio | 63.8969% | 3,949 |
| Assets per employee ($millions) | 4.1993% | 3,592 |
| Cash dividends to net income (ytd only)* | 53.1287% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,079 |
| Loan loss allowance to noncurrent loans | 77.5046% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 2,759 |
| Noncurrent loans to loans | 1.0813% | 2,092 |
| Net loans and leases to total assets | 64.2484% | 3,364 |
| Net loans and leases to deposits | 83.3405% | 2,566 |
| Net loans and leases to core deposits | 86.8983% | 2,860 |
| Total domestic deposits to total assets | 77.0914% | 5,069 |
| Equity capital to assets | 12.0788% | 2,058 |
| Core capital (leverage) ratio | 9.1425% | 4,669 |
| Tier 1 risk-based capital ratio | 12.5697% | 4,432 |
| Total risk-based capital ratio | 13.3598% | 4,632 |
| Memoranda: | ||
| Average total assets | $3,303,363,250 | 278 |
| Average earning assets | $2,934,863,500 | 281 |
| Average equity | $396,495,250 | 259 |
| Average total loans | $2,121,848,500 | 294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,568 |
| Cost of funding earning assets | 0.3722% | 3,340 |
| Net interest margin | 3.5396% | 3,331 |
| Noninterest income to average assets | 1.5743% | 490 |
| Noninterest expense to average assets | 3.1564% | 1,917 |
| Loan and lease loss provision to assets | 0.1024% | 2,140 |
| Net operating income to assets | 0.9978% | 2,407 |
| Return on assets (ROA) | 1.0309% | 2,386 |
| Pretax return on assets | 1.5165% | 1,618 |
| Return on Equity (ROE) | 8.6074% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.7798% | 3,487 |
| Net charge-offs to loans | 0.0592% | 2,344 |
| Credit loss provision to net charge-offs | 269.9839% | 1,046 |
| Earnings coverage of net charge-offs (x) | 41.4125% | 1,133 |
| Efficiency ratio | 64.1841% | 3,988 |
| Assets per employee ($millions) | 4.1390% | 3,669 |
| Cash dividends to net income (ytd only)* | 56.0869% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 5,173 |
| Loan loss allowance to noncurrent loans | 83.1570% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 3,007 |
| Noncurrent loans to loans | 1.0057% | 2,278 |
| Net loans and leases to total assets | 63.6413% | 3,418 |
| Net loans and leases to deposits | 83.2012% | 2,562 |
| Net loans and leases to core deposits | 87.0314% | 2,813 |
| Total domestic deposits to total assets | 76.4909% | 5,223 |
| Equity capital to assets | 12.1382% | 2,024 |
| Core capital (leverage) ratio | 9.0260% | 4,796 |
| Tier 1 risk-based capital ratio | 12.6038% | 4,443 |
| Total risk-based capital ratio | 13.3934% | 4,655 |
| Memoranda: | ||
| Average total assets | $3,286,062,330 | 277 |
| Average earning assets | $2,926,574,330 | 279 |
| Average equity | $393,568,330 | 262 |
| Average total loans | $2,104,490,330 | 296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 3,623 |
| Cost of funding earning assets | 0.3783% | 3,315 |
| Net interest margin | 3.5115% | 3,425 |
| Noninterest income to average assets | 1.6201% | 450 |
| Noninterest expense to average assets | 3.1216% | 2,040 |
| Loan and lease loss provision to assets | 0.1169% | 1,800 |
| Net operating income to assets | 1.0300% | 2,158 |
| Return on assets (ROA) | 1.0327% | 2,272 |
| Pretax return on assets | 1.5219% | 1,524 |
| Return on Equity (ROE) | 8.6815% | 2,567 |
| Retained earnings to average equity (ytd only) | -1.0961% | 5,294 |
| Net charge-offs to loans | 0.0905% | 1,599 |
| Credit loss provision to net charge-offs | 201.9027% | 1,072 |
| Earnings coverage of net charge-offs (x) | 28.2326% | 1,222 |
| Efficiency ratio | 63.0341% | 4,298 |
| Assets per employee ($millions) | 4.0011% | 3,936 |
| Cash dividends to net income (ytd only)* | 112.6260% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 5,311 |
| Loan loss allowance to noncurrent loans | 84.9250% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 3,139 |
| Noncurrent loans to loans | 0.9651% | 2,448 |
| Net loans and leases to total assets | 63.5884% | 3,299 |
| Net loans and leases to deposits | 80.3434% | 2,745 |
| Net loans and leases to core deposits | 84.5496% | 2,889 |
| Total domestic deposits to total assets | 79.1458% | 4,936 |
| Equity capital to assets | 11.9342% | 2,070 |
| Core capital (leverage) ratio | 8.8259% | 5,058 |
| Tier 1 risk-based capital ratio | 12.5330% | 4,555 |
| Total risk-based capital ratio | 13.3180% | 4,785 |
| Memoranda: | ||
| Average total assets | $3,267,299,500 | 277 |
| Average earning assets | $2,918,322,000 | 281 |
| Average equity | $388,641,000 | 264 |
| Average total loans | $2,090,229,000 | 290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,678 |
| Cost of funding earning assets | 0.3902% | 3,262 |
| Net interest margin | 3.5177% | 3,459 |
| Noninterest income to average assets | 1.5973% | 501 |
| Noninterest expense to average assets | 3.5599% | 1,191 |
| Loan and lease loss provision to assets | 0.4553% | 265 |
| Net operating income to assets | 0.5099% | 4,656 |
| Return on assets (ROA) | 0.5256% | 4,680 |
| Pretax return on assets | 0.7462% | 4,378 |
| Return on Equity (ROE) | 4.4007% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.3324% | 5,563 |
| Net charge-offs to loans | 0.7779% | 292 |
| Credit loss provision to net charge-offs | 92.7495% | 2,707 |
| Earnings coverage of net charge-offs (x) | 2.4019% | 3,916 |
| Efficiency ratio | 72.3386% | 2,849 |
| Assets per employee ($millions) | 3.9776% | 3,980 |
| Cash dividends to net income (ytd only)* | 107.5533% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,390 |
| Loan loss allowance to noncurrent loans | 86.0462% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 3,202 |
| Noncurrent loans to loans | 0.9400% | 2,452 |
| Net loans and leases to total assets | 63.3167% | 3,372 |
| Net loans and leases to deposits | 80.9039% | 2,722 |
| Net loans and leases to core deposits | 85.1430% | 2,867 |
| Total domestic deposits to total assets | 78.2616% | 5,110 |
| Equity capital to assets | 11.8551% | 2,069 |
| Core capital (leverage) ratio | 8.9556% | 4,932 |
| Tier 1 risk-based capital ratio | 12.8638% | 4,410 |
| Total risk-based capital ratio | 13.6429% | 4,597 |
| Memoranda: | ||
| Average total assets | $3,095,901,800 | 271 |
| Average earning assets | $2,765,031,200 | 278 |
| Average equity | $369,736,600 | 262 |
| Average total loans | $1,953,821,600 | 293 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 3,769 |
| Cost of funding earning assets | 0.3980% | 3,246 |
| Net interest margin | 3.4919% | 3,569 |
| Noninterest income to average assets | 1.6125% | 485 |
| Noninterest expense to average assets | 3.6749% | 1,015 |
| Loan and lease loss provision to assets | 0.2991% | 492 |
| Net operating income to assets | 0.5313% | 4,673 |
| Return on assets (ROA) | 0.5506% | 4,686 |
| Pretax return on assets | 0.7860% | 4,376 |
| Return on Equity (ROE) | 4.6017% | 4,795 |
| Retained earnings to average equity (ytd only) | 0.7751% | 5,383 |
| Net charge-offs to loans | 0.0977% | 2,176 |
| Credit loss provision to net charge-offs | 486.7991% | 666 |
| Earnings coverage of net charge-offs (x) | 17.2094% | 2,068 |
| Efficiency ratio | 74.9426% | 2,410 |
| Assets per employee ($millions) | 3.9229% | 4,031 |
| Cash dividends to net income (ytd only)* | 83.1551% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,016 |
| Loan loss allowance to noncurrent loans | 93.6875% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 2,818 |
| Noncurrent loans to loans | 1.2137% | 2,105 |
| Net loans and leases to total assets | 62.9840% | 3,458 |
| Net loans and leases to deposits | 79.9199% | 2,895 |
| Net loans and leases to core deposits | 83.9364% | 3,049 |
| Total domestic deposits to total assets | 78.8089% | 5,022 |
| Equity capital to assets | 12.2237% | 1,937 |
| Core capital (leverage) ratio | 9.1090% | 4,864 |
| Tier 1 risk-based capital ratio | 13.1258% | 4,363 |
| Total risk-based capital ratio | 14.2219% | 4,366 |
| Memoranda: | ||
| Average total assets | $3,057,447,750 | 279 |
| Average earning assets | $2,731,667,500 | 284 |
| Average equity | $365,856,250 | 268 |
| Average total loans | $1,923,678,750 | 299 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 3,904 |
| Cost of funding earning assets | 0.4088% | 3,179 |
| Net interest margin | 3.4344% | 3,775 |
| Noninterest income to average assets | 1.6200% | 495 |
| Noninterest expense to average assets | 3.9388% | 731 |
| Loan and lease loss provision to assets | 0.0681% | 2,756 |
| Net operating income to assets | 0.4794% | 4,855 |
| Return on assets (ROA) | 0.5080% | 4,847 |
| Pretax return on assets | 0.7243% | 4,583 |
| Return on Equity (ROE) | 4.2779% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.1561% | 4,047 |
| Net charge-offs to loans | 0.0701% | 2,391 |
| Credit loss provision to net charge-offs | 155.0835% | 1,506 |
| Earnings coverage of net charge-offs (x) | 17.1244% | 1,870 |
| Efficiency ratio | 81.3961% | 1,575 |
| Assets per employee ($millions) | 3.8539% | 4,160 |
| Cash dividends to net income (ytd only)* | 26.2226% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 5,283 |
| Loan loss allowance to noncurrent loans | 76.0547% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 3,014 |
| Noncurrent loans to loans | 1.1897% | 2,273 |
| Net loans and leases to total assets | 62.3863% | 3,495 |
| Net loans and leases to deposits | 78.0688% | 3,015 |
| Net loans and leases to core deposits | 82.0955% | 3,161 |
| Total domestic deposits to total assets | 79.9119% | 4,887 |
| Equity capital to assets | 12.2605% | 1,836 |
| Core capital (leverage) ratio | 9.2186% | 4,664 |
| Tier 1 risk-based capital ratio | 13.9566% | 3,955 |
| Total risk-based capital ratio | 14.8546% | 4,089 |
| Memoranda: | ||
| Average total assets | $3,003,017,330 | 283 |
| Average earning assets | $2,684,683,670 | 286 |
| Average equity | $356,577,000 | 275 |
| Average total loans | $1,880,944,670 | 301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,358 |
| Cost of funding earning assets | 0.4235% | 3,022 |
| Net interest margin | 3.2774% | 4,310 |
| Noninterest income to average assets | 1.5605% | 504 |
| Noninterest expense to average assets | 4.3204% | 486 |
| Loan and lease loss provision to assets | 0.0482% | 2,968 |
| Net operating income to assets | 0.1040% | 5,865 |
| Return on assets (ROA) | 0.1702% | 5,818 |
| Pretax return on assets | 0.2140% | 5,810 |
| Return on Equity (ROE) | 1.4592% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.4592% | 4,899 |
| Net charge-offs to loans | 0.0315% | 2,555 |
| Credit loss provision to net charge-offs | 244.7552% | 930 |
| Earnings coverage of net charge-offs (x) | 9.1119% | 2,030 |
| Efficiency ratio | 93.9500% | 598 |
| Assets per employee ($millions) | 3.8295% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 5,432 |
| Loan loss allowance to noncurrent loans | 149.9710% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 4,354 |
| Noncurrent loans to loans | 0.6026% | 3,768 |
| Net loans and leases to total assets | 61.1441% | 3,508 |
| Net loans and leases to deposits | 76.3049% | 3,021 |
| Net loans and leases to core deposits | 80.1578% | 3,137 |
| Total domestic deposits to total assets | 80.1313% | 5,023 |
| Equity capital to assets | 12.2000% | 1,889 |
| Core capital (leverage) ratio | 10.4851% | 2,980 |
| Tier 1 risk-based capital ratio | 13.4729% | 4,337 |
| Total risk-based capital ratio | 14.3594% | 4,465 |
| Memoranda: | ||
| Average total assets | $2,903,226,000 | 285 |
| Average earning assets | $2,603,890,500 | 292 |
| Average equity | $338,537,500 | 283 |
| Average total loans | $1,813,303,500 | 304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,015 |
| Cost of funding earning assets | 0.5264% | 2,420 |
| Net interest margin | 3.4041% | 4,184 |
| Noninterest income to average assets | 1.8270% | 396 |
| Noninterest expense to average assets | 3.5946% | 1,320 |
| Loan and lease loss provision to assets | 0.0150% | 4,310 |
| Net operating income to assets | 0.8718% | 3,008 |
| Return on assets (ROA) | 0.8839% | 3,038 |
| Pretax return on assets | 1.3062% | 2,223 |
| Return on Equity (ROE) | 8.3925% | 2,913 |
| Retained earnings to average equity (ytd only) | -0.4532% | 5,843 |
| Net charge-offs to loans | -0.0347% | 5,829 |
| Credit loss provision to net charge-offs | -71.0692% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0953% | 3,193 |
| Assets per employee ($millions) | 3.6665% | 4,592 |
| Cash dividends to net income (ytd only)* | 105.4005% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,540 |
| Loan loss allowance to noncurrent loans | 159.5805% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,223 |
| Noncurrent loans to loans | 0.6894% | 3,615 |
| Net loans and leases to total assets | 62.7179% | 3,404 |
| Net loans and leases to deposits | 81.1358% | 2,587 |
| Net loans and leases to core deposits | 86.9626% | 2,611 |
| Total domestic deposits to total assets | 77.2999% | 5,552 |
| Equity capital to assets | 10.9782% | 2,915 |
| Core capital (leverage) ratio | 8.4539% | 5,602 |
| Tier 1 risk-based capital ratio | 12.1967% | 5,229 |
| Total risk-based capital ratio | 13.2569% | 5,263 |
| Memoranda: | ||
| Average total assets | $2,254,139,000 | 333 |
| Average earning assets | $2,033,540,600 | 332 |
| Average equity | $237,402,400 | 350 |
| Average total loans | $1,376,388,600 | 353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 4,237 |
| Cost of funding earning assets | 0.5376% | 2,391 |
| Net interest margin | 3.3430% | 4,457 |
| Noninterest income to average assets | 1.8823% | 387 |
| Noninterest expense to average assets | 3.5678% | 1,351 |
| Loan and lease loss provision to assets | 0.0129% | 4,159 |
| Net operating income to assets | 0.8941% | 2,939 |
| Return on assets (ROA) | 0.9008% | 3,006 |
| Pretax return on assets | 1.3298% | 2,272 |
| Return on Equity (ROE) | 8.6612% | 2,866 |
| Retained earnings to average equity (ytd only) | -1.3497% | 6,011 |
| Net charge-offs to loans | -0.0284% | 5,717 |
| Credit loss provision to net charge-offs | -75.3571% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6637% | 3,242 |
| Assets per employee ($millions) | 3.7743% | 4,342 |
| Cash dividends to net income (ytd only)* | 115.5833% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 4,408 |
| Loan loss allowance to noncurrent loans | 192.7113% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 4,663 |
| Noncurrent loans to loans | 0.6047% | 4,116 |
| Net loans and leases to total assets | 61.3521% | 3,579 |
| Net loans and leases to deposits | 78.0589% | 2,945 |
| Net loans and leases to core deposits | 83.7825% | 2,905 |
| Total domestic deposits to total assets | 78.5972% | 5,418 |
| Equity capital to assets | 10.8033% | 3,179 |
| Core capital (leverage) ratio | 9.0701% | 4,966 |
| Tier 1 risk-based capital ratio | 12.4032% | 5,223 |
| Total risk-based capital ratio | 13.5017% | 5,250 |
| Memoranda: | ||
| Average total assets | $2,176,951,250 | 341 |
| Average earning assets | $1,965,485,250 | 339 |
| Average equity | $226,413,000 | 359 |
| Average total loans | $1,314,167,750 | 362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 4,240 |
| Cost of funding earning assets | 0.5508% | 2,342 |
| Net interest margin | 3.3252% | 4,485 |
| Noninterest income to average assets | 1.9704% | 357 |
| Noninterest expense to average assets | 3.5389% | 1,407 |
| Loan and lease loss provision to assets | 0.0565% | 3,166 |
| Net operating income to assets | 0.9327% | 2,637 |
| Return on assets (ROA) | 0.9351% | 2,727 |
| Pretax return on assets | 1.3806% | 1,967 |
| Return on Equity (ROE) | 9.1277% | 2,537 |
| Retained earnings to average equity (ytd only) | 0.2695% | 5,611 |
| Net charge-offs to loans | 0.0435% | 3,357 |
| Credit loss provision to net charge-offs | 217.2794% | 1,094 |
| Earnings coverage of net charge-offs (x) | 55.1691% | 862 |
| Efficiency ratio | 70.1241% | 3,636 |
| Assets per employee ($millions) | 3.7459% | 4,356 |
| Cash dividends to net income (ytd only)* | 97.0477% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 3,778 |
| Loan loss allowance to noncurrent loans | 152.5715% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 4,278 |
| Noncurrent loans to loans | 0.8614% | 3,545 |
| Net loans and leases to total assets | 60.5018% | 3,633 |
| Net loans and leases to deposits | 78.2797% | 2,761 |
| Net loans and leases to core deposits | 84.7515% | 2,648 |
| Total domestic deposits to total assets | 77.2892% | 5,762 |
| Equity capital to assets | 10.5688% | 3,354 |
| Core capital (leverage) ratio | 9.0867% | 4,889 |
| Tier 1 risk-based capital ratio | 12.7943% | 5,039 |
| Total risk-based capital ratio | 14.0050% | 5,006 |
| Memoranda: | ||
| Average total assets | $2,093,636,330 | 353 |
| Average earning assets | $1,890,193,330 | 351 |
| Average equity | $214,489,330 | 374 |
| Average total loans | $1,250,054,330 | 371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,131 |
| Cost of funding earning assets | 0.5693% | 2,250 |
| Net interest margin | 3.3188% | 4,463 |
| Noninterest income to average assets | 2.0760% | 317 |
| Noninterest expense to average assets | 3.4912% | 1,504 |
| Loan and lease loss provision to assets | 0.0016% | 3,808 |
| Net operating income to assets | 1.0678% | 1,937 |
| Return on assets (ROA) | 1.0638% | 2,026 |
| Pretax return on assets | 1.5725% | 1,230 |
| Return on Equity (ROE) | 10.5586% | 1,843 |
| Retained earnings to average equity (ytd only) | -0.0327% | 5,557 |
| Net charge-offs to loans | 0.0669% | 2,481 |
| Credit loss provision to net charge-offs | 3.9409% | 2,655 |
| Earnings coverage of net charge-offs (x) | 40.1133% | 873 |
| Efficiency ratio | 67.8387% | 4,207 |
| Assets per employee ($millions) | 3.7147% | 4,488 |
| Cash dividends to net income (ytd only)* | 100.3100% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,733 |
| Loan loss allowance to noncurrent loans | 188.1762% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 4,728 |
| Noncurrent loans to loans | 0.7292% | 4,037 |
| Net loans and leases to total assets | 58.6042% | 3,751 |
| Net loans and leases to deposits | 73.7585% | 3,102 |
| Net loans and leases to core deposits | 81.5292% | 2,788 |
| Total domestic deposits to total assets | 79.4541% | 5,604 |
| Equity capital to assets | 10.1622% | 3,649 |
| Core capital (leverage) ratio | 8.6829% | 5,405 |
| Tier 1 risk-based capital ratio | 12.7732% | 5,142 |
| Total risk-based capital ratio | 14.0202% | 5,084 |
| Memoranda: | ||
| Average total assets | $2,061,640,000 | 358 |
| Average earning assets | $1,860,566,500 | 359 |
| Average equity | $207,716,500 | 384 |
| Average total loans | $1,213,687,500 | 380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,517 |
| Cost of funding earning assets | 0.6659% | 2,066 |
| Net interest margin | 3.2197% | 4,933 |
| Noninterest income to average assets | 1.9785% | 394 |
| Noninterest expense to average assets | 3.3886% | 1,907 |
| Loan and lease loss provision to assets | -0.2273% | 6,621 |
| Net operating income to assets | 1.0085% | 2,289 |
| Return on assets (ROA) | 1.0246% | 2,290 |
| Pretax return on assets | 1.6989% | 959 |
| Return on Equity (ROE) | 9.4239% | 2,359 |
| Retained earnings to average equity (ytd only) | 2.3115% | 4,605 |
| Net charge-offs to loans | -0.3477% | 6,692 |
| Credit loss provision to net charge-offs | 120.3603% | 1,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2246% | 3,971 |
| Assets per employee ($millions) | 3.7622% | 4,343 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,536 |
| Loan loss allowance to noncurrent loans | 194.1190% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 4,825 |
| Noncurrent loans to loans | 0.7339% | 4,122 |
| Net loans and leases to total assets | 57.4858% | 4,125 |
| Net loans and leases to deposits | 74.2076% | 3,231 |
| Net loans and leases to core deposits | 82.1602% | 2,879 |
| Total domestic deposits to total assets | 77.4662% | 5,904 |
| Equity capital to assets | 9.9878% | 3,793 |
| Core capital (leverage) ratio | 8.8447% | 5,216 |
| Tier 1 risk-based capital ratio | 12.8718% | 5,064 |
| Total risk-based capital ratio | 14.1221% | 5,012 |
| Memoranda: | ||
| Average total assets | $1,939,743,600 | 364 |
| Average earning assets | $1,720,920,600 | 366 |
| Average equity | $210,899,600 | 371 |
| Average total loans | $1,053,705,600 | 415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 4,726 |
| Cost of funding earning assets | 0.6864% | 2,042 |
| Net interest margin | 3.1467% | 5,157 |
| Noninterest income to average assets | 2.0128% | 415 |
| Noninterest expense to average assets | 3.3439% | 1,965 |
| Loan and lease loss provision to assets | -0.2404% | 6,746 |
| Net operating income to assets | 0.9806% | 2,465 |
| Return on assets (ROA) | 1.0004% | 2,461 |
| Pretax return on assets | 1.7209% | 1,056 |
| Return on Equity (ROE) | 9.0045% | 2,628 |
| Retained earnings to average equity (ytd only) | 2.7252% | 4,691 |
| Net charge-offs to loans | -0.3324% | 6,738 |
| Credit loss provision to net charge-offs | 135.8297% | 1,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9837% | 3,916 |
| Assets per employee ($millions) | 3.5445% | 4,756 |
| Cash dividends to net income (ytd only)* | 69.7350% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,023 |
| Loan loss allowance to noncurrent loans | 151.8053% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 4,677 |
| Noncurrent loans to loans | 1.0500% | 3,701 |
| Net loans and leases to total assets | 54.6171% | 4,512 |
| Net loans and leases to deposits | 72.1816% | 3,489 |
| Net loans and leases to core deposits | 78.5629% | 3,289 |
| Total domestic deposits to total assets | 75.6662% | 6,205 |
| Equity capital to assets | 10.9677% | 2,784 |
| Core capital (leverage) ratio | 9.6829% | 4,123 |
| Tier 1 risk-based capital ratio | 14.9567% | 3,777 |
| Total risk-based capital ratio | 16.2089% | 3,726 |
| Memoranda: | ||
| Average total assets | $1,911,136,250 | 370 |
| Average earning assets | $1,688,839,750 | 372 |
| Average equity | $212,332,750 | 367 |
| Average total loans | $1,017,651,500 | 425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 4,761 |
| Cost of funding earning assets | 0.7035% | 2,044 |
| Net interest margin | 3.1160% | 5,229 |
| Noninterest income to average assets | 1.9826% | 447 |
| Noninterest expense to average assets | 3.2781% | 2,138 |
| Loan and lease loss provision to assets | -0.2644% | 6,815 |
| Net operating income to assets | 1.1477% | 1,756 |
| Return on assets (ROA) | 1.1788% | 1,754 |
| Pretax return on assets | 1.7558% | 1,006 |
| Return on Equity (ROE) | 10.5652% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.4695% | 3,418 |
| Net charge-offs to loans | -0.3646% | 6,784 |
| Credit loss provision to net charge-offs | 138.1629% | 1,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6244% | 4,076 |
| Assets per employee ($millions) | 3.4696% | 4,915 |
| Cash dividends to net income (ytd only)* | 57.6957% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,969 |
| Loan loss allowance to noncurrent loans | 160.7911% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 4,829 |
| Noncurrent loans to loans | 1.0281% | 3,879 |
| Net loans and leases to total assets | 53.8390% | 4,610 |
| Net loans and leases to deposits | 70.6160% | 3,638 |
| Net loans and leases to core deposits | 77.3565% | 3,376 |
| Total domestic deposits to total assets | 76.2420% | 6,225 |
| Equity capital to assets | 11.0140% | 2,736 |
| Core capital (leverage) ratio | 9.6743% | 3,977 |
| Tier 1 risk-based capital ratio | 15.2071% | 3,644 |
| Total risk-based capital ratio | 16.4598% | 3,605 |
| Memoranda: | ||
| Average total assets | $1,911,359,000 | 369 |
| Average earning assets | $1,681,002,330 | 372 |
| Average equity | $213,265,670 | 361 |
| Average total loans | $1,003,420,670 | 426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,819 |
| Cost of funding earning assets | 0.7151% | 2,094 |
| Net interest margin | 3.0862% | 5,318 |
| Noninterest income to average assets | 1.9524% | 444 |
| Noninterest expense to average assets | 3.2386% | 2,238 |
| Loan and lease loss provision to assets | -0.2217% | 6,903 |
| Net operating income to assets | 1.1020% | 1,846 |
| Return on assets (ROA) | 1.1603% | 1,747 |
| Pretax return on assets | 1.7348% | 995 |
| Return on Equity (ROE) | 10.3335% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.7719% | 3,375 |
| Net charge-offs to loans | -0.2807% | 6,759 |
| Credit loss provision to net charge-offs | 153.6797% | 1,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5841% | 4,209 |
| Assets per employee ($millions) | 3.7356% | 4,478 |
| Cash dividends to net income (ytd only)* | 53.8213% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,719 |
| Loan loss allowance to noncurrent loans | 147.7130% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 4,736 |
| Noncurrent loans to loans | 1.2006% | 3,767 |
| Net loans and leases to total assets | 50.0145% | 4,987 |
| Net loans and leases to deposits | 62.9568% | 4,428 |
| Net loans and leases to core deposits | 69.4777% | 4,140 |
| Total domestic deposits to total assets | 79.4426% | 5,885 |
| Equity capital to assets | 11.2434% | 2,684 |
| Core capital (leverage) ratio | 9.6155% | 3,894 |
| Tier 1 risk-based capital ratio | 15.9272% | 3,311 |
| Total risk-based capital ratio | 17.1811% | 3,272 |
| Memoranda: | ||
| Average total assets | $1,921,563,500 | 371 |
| Average earning assets | $1,688,795,000 | 376 |
| Average equity | $215,764,000 | 364 |
| Average total loans | $987,540,000 | 430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 4,166 |
| Cost of funding earning assets | 0.8525% | 2,272 |
| Net interest margin | 3.4537% | 4,691 |
| Noninterest income to average assets | 1.9547% | 451 |
| Noninterest expense to average assets | 3.5076% | 1,797 |
| Loan and lease loss provision to assets | -0.2571% | 7,000 |
| Net operating income to assets | 1.1530% | 1,762 |
| Return on assets (ROA) | 1.2726% | 1,538 |
| Pretax return on assets | 1.9101% | 738 |
| Return on Equity (ROE) | 11.3663% | 1,695 |
| Retained earnings to average equity (ytd only) | 5.1590% | 2,598 |
| Net charge-offs to loans | 0.1228% | 4,451 |
| Credit loss provision to net charge-offs | -396.3025% | 6,483 |
| Earnings coverage of net charge-offs (x) | 22.7311% | 1,247 |
| Efficiency ratio | 69.8476% | 3,849 |
| Assets per employee ($millions) | 3.8701% | 4,231 |
| Cash dividends to net income (ytd only)* | 54.6109% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,596 |
| Loan loss allowance to noncurrent loans | 128.8505% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 4,547 |
| Noncurrent loans to loans | 1.3938% | 3,514 |
| Net loans and leases to total assets | 50.9408% | 5,046 |
| Net loans and leases to deposits | 65.0130% | 4,424 |
| Net loans and leases to core deposits | 73.3570% | 3,868 |
| Total domestic deposits to total assets | 78.3548% | 6,022 |
| Equity capital to assets | 11.2135% | 2,717 |
| Core capital (leverage) ratio | 9.6889% | 3,825 |
| Tier 1 risk-based capital ratio | 15.4062% | 3,482 |
| Total risk-based capital ratio | 16.6601% | 3,442 |
| Memoranda: | ||
| Average total assets | $1,834,542,800 | 380 |
| Average earning assets | $1,608,122,800 | 383 |
| Average equity | $205,406,200 | 366 |
| Average total loans | $968,944,400 | 431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 4,321 |
| Cost of funding earning assets | 0.8825% | 2,290 |
| Net interest margin | 3.4498% | 4,844 |
| Noninterest income to average assets | 1.9685% | 430 |
| Noninterest expense to average assets | 3.5188% | 1,714 |
| Loan and lease loss provision to assets | -0.3094% | 7,122 |
| Net operating income to assets | 1.1886% | 1,779 |
| Return on assets (ROA) | 1.3474% | 1,479 |
| Pretax return on assets | 2.0273% | 667 |
| Return on Equity (ROE) | 12.0387% | 1,627 |
| Retained earnings to average equity (ytd only) | 3.6712% | 4,304 |
| Net charge-offs to loans | 0.1242% | 4,136 |
| Credit loss provision to net charge-offs | -469.6767% | 6,435 |
| Earnings coverage of net charge-offs (x) | 22.4225% | 1,355 |
| Efficiency ratio | 69.9162% | 3,701 |
| Assets per employee ($millions) | 3.7040% | 4,532 |
| Cash dividends to net income (ytd only)* | 69.5050% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 2,620 |
| Loan loss allowance to noncurrent loans | 119.9832% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 4,488 |
| Noncurrent loans to loans | 1.5485% | 3,463 |
| Net loans and leases to total assets | 52.9666% | 4,918 |
| Net loans and leases to deposits | 67.4109% | 4,270 |
| Net loans and leases to core deposits | 76.1693% | 3,703 |
| Total domestic deposits to total assets | 78.5727% | 5,953 |
| Equity capital to assets | 11.3386% | 2,898 |
| Core capital (leverage) ratio | 9.6330% | 4,073 |
| Tier 1 risk-based capital ratio | 15.1068% | 3,768 |
| Total risk-based capital ratio | 16.3617% | 3,719 |
| Memoranda: | ||
| Average total assets | $1,815,218,250 | 385 |
| Average earning assets | $1,593,087,500 | 384 |
| Average equity | $203,161,500 | 370 |
| Average total loans | $963,251,000 | 435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 4,150 |
| Cost of funding earning assets | 0.9168% | 2,278 |
| Net interest margin | 3.4920% | 4,706 |
| Noninterest income to average assets | 2.0114% | 402 |
| Noninterest expense to average assets | 3.6305% | 1,510 |
| Loan and lease loss provision to assets | -0.3615% | 7,188 |
| Net operating income to assets | 1.2015% | 1,711 |
| Return on assets (ROA) | 1.4332% | 1,256 |
| Pretax return on assets | 2.1597% | 518 |
| Return on Equity (ROE) | 12.8631% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.8631% | 453 |
| Net charge-offs to loans | 0.1126% | 4,052 |
| Credit loss provision to net charge-offs | -608.7850% | 6,329 |
| Earnings coverage of net charge-offs (x) | 24.3664% | 1,222 |
| Efficiency ratio | 71.0288% | 3,594 |
| Assets per employee ($millions) | 3.6880% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 2,049 |
| Loan loss allowance to noncurrent loans | 119.9001% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 4,423 |
| Noncurrent loans to loans | 1.7302% | 3,306 |
| Net loans and leases to total assets | 51.6238% | 5,146 |
| Net loans and leases to deposits | 66.1513% | 4,492 |
| Net loans and leases to core deposits | 75.2857% | 3,842 |
| Total domestic deposits to total assets | 78.0389% | 6,149 |
| Equity capital to assets | 11.3709% | 2,716 |
| Core capital (leverage) ratio | 9.7601% | 3,766 |
| Tier 1 risk-based capital ratio | 15.2877% | 3,577 |
| Total risk-based capital ratio | 16.5443% | 3,536 |
| Memoranda: | ||
| Average total assets | $1,801,725,330 | 389 |
| Average earning assets | $1,582,013,330 | 390 |
| Average equity | $200,745,330 | 372 |
| Average total loans | $950,499,330 | 439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 4,024 |
| Cost of funding earning assets | 0.9798% | 2,105 |
| Net interest margin | 3.4913% | 4,754 |
| Noninterest income to average assets | 2.0982% | 377 |
| Noninterest expense to average assets | 3.9276% | 1,027 |
| Loan and lease loss provision to assets | -0.4771% | 7,256 |
| Net operating income to assets | 1.1347% | 1,942 |
| Return on assets (ROA) | 1.6008% | 964 |
| Pretax return on assets | 2.4174% | 376 |
| Return on Equity (ROE) | 14.5189% | 1,072 |
| Retained earnings to average equity (ytd only) | 14.5189% | 506 |
| Net charge-offs to loans | 0.1400% | 3,260 |
| Credit loss provision to net charge-offs | -645.6193% | 5,840 |
| Earnings coverage of net charge-offs (x) | 16.7009% | 1,342 |
| Efficiency ratio | 75.6272% | 2,836 |
| Assets per employee ($millions) | 3.5964% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 1,800 |
| Loan loss allowance to noncurrent loans | 103.6941% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 4,141 |
| Noncurrent loans to loans | 2.1587% | 2,959 |
| Net loans and leases to total assets | 51.7122% | 5,060 |
| Net loans and leases to deposits | 66.1429% | 4,359 |
| Net loans and leases to core deposits | 73.5795% | 3,951 |
| Total domestic deposits to total assets | 78.1825% | 6,241 |
| Equity capital to assets | 11.1297% | 2,776 |
| Core capital (leverage) ratio | 9.5696% | 3,959 |
| Tier 1 risk-based capital ratio | 15.0953% | 3,699 |
| Total risk-based capital ratio | 16.3537% | 3,649 |
| Memoranda: | ||
| Average total assets | $1,791,645,000 | 386 |
| Average earning assets | $1,572,133,500 | 390 |
| Average equity | $197,535,500 | 368 |
| Average total loans | $945,523,500 | 441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 3,972 |
| Cost of funding earning assets | 1.2604% | 1,679 |
| Net interest margin | 3.5020% | 5,141 |
| Noninterest income to average assets | 1.8301% | 434 |
| Noninterest expense to average assets | 3.3261% | 2,435 |
| Loan and lease loss provision to assets | 0.4443% | 2,378 |
| Net operating income to assets | 0.7731% | 3,163 |
| Return on assets (ROA) | 0.7912% | 3,244 |
| Pretax return on assets | 1.1484% | 2,658 |
| Return on Equity (ROE) | 6.9623% | 3,420 |
| Retained earnings to average equity (ytd only) | -5.5027% | 6,484 |
| Net charge-offs to loans | 1.1620% | 1,460 |
| Credit loss provision to net charge-offs | 72.3997% | 4,759 |
| Earnings coverage of net charge-offs (x) | 2.5526% | 3,938 |
| Efficiency ratio | 67.3180% | 4,509 |
| Assets per employee ($millions) | 3.4867% | 5,046 |
| Cash dividends to net income (ytd only)* | 179.0353% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5183% | 1,291 |
| Loan loss allowance to noncurrent loans | 78.9987% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 3,251 |
| Noncurrent loans to loans | 3.1878% | 2,032 |
| Net loans and leases to total assets | 51.3255% | 5,417 |
| Net loans and leases to deposits | 67.6671% | 4,489 |
| Net loans and leases to core deposits | 76.3916% | 3,925 |
| Total domestic deposits to total assets | 75.8500% | 6,504 |
| Equity capital to assets | 10.9207% | 3,053 |
| Core capital (leverage) ratio | 8.8148% | 5,074 |
| Tier 1 risk-based capital ratio | 13.7931% | 4,486 |
| Total risk-based capital ratio | 15.0541% | 4,434 |
| Memoranda: | ||
| Average total assets | $1,800,197,200 | 371 |
| Average earning assets | $1,574,289,800 | 378 |
| Average equity | $204,573,200 | 346 |
| Average total loans | $950,725,200 | 441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 4,098 |
| Cost of funding earning assets | 1.3106% | 1,646 |
| Net interest margin | 3.4725% | 5,305 |
| Noninterest income to average assets | 1.8663% | 426 |
| Noninterest expense to average assets | 3.2321% | 2,722 |
| Loan and lease loss provision to assets | 0.6264% | 1,560 |
| Net operating income to assets | 0.7227% | 3,494 |
| Return on assets (ROA) | 0.7469% | 3,559 |
| Pretax return on assets | 1.0781% | 3,102 |
| Return on Equity (ROE) | 6.5092% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.2535% | 3,700 |
| Net charge-offs to loans | 1.4025% | 1,067 |
| Credit loss provision to net charge-offs | 84.5072% | 3,981 |
| Earnings coverage of net charge-offs (x) | 2.2523% | 4,002 |
| Efficiency ratio | 65.2536% | 4,857 |
| Assets per employee ($millions) | 3.3253% | 5,433 |
| Cash dividends to net income (ytd only)* | 34.6535% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 1,218 |
| Loan loss allowance to noncurrent loans | 76.1538% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.0480% | 3,080 |
| Noncurrent loans to loans | 3.4682% | 1,979 |
| Net loans and leases to total assets | 51.7587% | 5,477 |
| Net loans and leases to deposits | 69.0713% | 4,439 |
| Net loans and leases to core deposits | 77.4084% | 3,987 |
| Total domestic deposits to total assets | 74.9352% | 6,645 |
| Equity capital to assets | 12.0130% | 2,242 |
| Core capital (leverage) ratio | 9.9026% | 3,570 |
| Tier 1 risk-based capital ratio | 15.1774% | 3,562 |
| Total risk-based capital ratio | 16.4365% | 3,521 |
| Memoranda: | ||
| Average total assets | $1,803,071,250 | 372 |
| Average earning assets | $1,576,068,750 | 379 |
| Average equity | $206,882,000 | 344 |
| Average total loans | $952,962,250 | 444 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 3,892 |
| Cost of funding earning assets | 1.3557% | 1,619 |
| Net interest margin | 3.4880% | 5,214 |
| Noninterest income to average assets | 1.7976% | 421 |
| Noninterest expense to average assets | 3.1681% | 3,014 |
| Loan and lease loss provision to assets | 0.8425% | 1,072 |
| Net operating income to assets | 0.5865% | 4,124 |
| Return on assets (ROA) | 0.6188% | 4,096 |
| Pretax return on assets | 0.8784% | 3,720 |
| Return on Equity (ROE) | 5.4781% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.7619% | 3,821 |
| Net charge-offs to loans | 1.9332% | 705 |
| Credit loss provision to net charge-offs | 82.6200% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.6424% | 4,063 |
| Efficiency ratio | 64.6989% | 5,108 |
| Assets per employee ($millions) | 3.3393% | 5,346 |
| Cash dividends to net income (ytd only)* | 31.3283% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6726% | 1,205 |
| Loan loss allowance to noncurrent loans | 79.7781% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 3,295 |
| Noncurrent loans to loans | 3.3501% | 2,131 |
| Net loans and leases to total assets | 51.1080% | 5,681 |
| Net loans and leases to deposits | 67.3012% | 4,815 |
| Net loans and leases to core deposits | 75.0663% | 4,426 |
| Total domestic deposits to total assets | 75.9392% | 6,608 |
| Equity capital to assets | 11.6927% | 2,332 |
| Core capital (leverage) ratio | 9.6346% | 3,756 |
| Tier 1 risk-based capital ratio | 14.8654% | 3,574 |
| Total risk-based capital ratio | 16.1276% | 3,534 |
| Memoranda: | ||
| Average total assets | $1,805,545,000 | 377 |
| Average earning assets | $1,576,426,000 | 384 |
| Average equity | $203,938,670 | 352 |
| Average total loans | $952,410,330 | 449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 3,700 |
| Cost of funding earning assets | 1.3922% | 1,652 |
| Net interest margin | 3.4857% | 5,076 |
| Noninterest income to average assets | 1.9127% | 385 |
| Noninterest expense to average assets | 3.1535% | 3,059 |
| Loan and lease loss provision to assets | 1.1726% | 603 |
| Net operating income to assets | 0.4515% | 4,714 |
| Return on assets (ROA) | 0.5087% | 4,539 |
| Pretax return on assets | 0.7076% | 4,278 |
| Return on Equity (ROE) | 4.5834% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.1021% | 5,385 |
| Net charge-offs to loans | 3.1856% | 334 |
| Credit loss provision to net charge-offs | 69.6251% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.0692% | 3,864 |
| Efficiency ratio | 62.9306% | 5,533 |
| Assets per employee ($millions) | 3.3023% | 5,471 |
| Cash dividends to net income (ytd only)* | 75.9549% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5732% | 1,350 |
| Loan loss allowance to noncurrent loans | 75.7733% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0448% | 3,267 |
| Noncurrent loans to loans | 3.3959% | 2,209 |
| Net loans and leases to total assets | 51.6239% | 5,629 |
| Net loans and leases to deposits | 67.7251% | 4,714 |
| Net loans and leases to core deposits | 75.5062% | 4,359 |
| Total domestic deposits to total assets | 76.2257% | 6,635 |
| Equity capital to assets | 11.2265% | 2,482 |
| Core capital (leverage) ratio | 9.3289% | 4,083 |
| Tier 1 risk-based capital ratio | 14.4537% | 3,770 |
| Total risk-based capital ratio | 15.7149% | 3,722 |
| Memoranda: | ||
| Average total assets | $1,811,725,500 | 379 |
| Average earning assets | $1,580,859,000 | 385 |
| Average equity | $201,072,500 | 351 |
| Average total loans | $957,802,000 | 454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 3,286 |
| Cost of funding earning assets | 1.6678% | 1,742 |
| Net interest margin | 3.5993% | 4,829 |
| Noninterest income to average assets | 1.5181% | 630 |
| Noninterest expense to average assets | 3.0841% | 3,528 |
| Loan and lease loss provision to assets | 1.3938% | 1,078 |
| Net operating income to assets | 0.1619% | 5,399 |
| Return on assets (ROA) | 0.4089% | 4,634 |
| Pretax return on assets | 0.5159% | 4,562 |
| Return on Equity (ROE) | 3.7728% | 4,622 |
| Retained earnings to average equity (ytd only) | -0.3364% | 5,677 |
| Net charge-offs to loans | 2.6824% | 679 |
| Credit loss provision to net charge-offs | 98.2085% | 4,713 |
| Earnings coverage of net charge-offs (x) | 1.1253% | 4,980 |
| Efficiency ratio | 64.8680% | 5,187 |
| Assets per employee ($millions) | 3.4276% | 5,110 |
| Cash dividends to net income (ytd only)* | 108.9159% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7723% | 1,092 |
| Loan loss allowance to noncurrent loans | 66.1313% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 2,819 |
| Noncurrent loans to loans | 4.1921% | 1,726 |
| Net loans and leases to total assets | 51.2864% | 6,012 |
| Net loans and leases to deposits | 67.6107% | 5,155 |
| Net loans and leases to core deposits | 77.4949% | 4,521 |
| Total domestic deposits to total assets | 75.8555% | 6,648 |
| Equity capital to assets | 10.9729% | 2,710 |
| Core capital (leverage) ratio | 9.0264% | 4,496 |
| Tier 1 risk-based capital ratio | 14.2961% | 3,680 |
| Total risk-based capital ratio | 15.5596% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,931,187,600 | 360 |
| Average earning assets | $1,697,123,800 | 367 |
| Average equity | $209,285,000 | 339 |
| Average total loans | $1,021,742,800 | 438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 3,131 |
| Cost of funding earning assets | 1.7268% | 1,736 |
| Net interest margin | 3.6208% | 4,781 |
| Noninterest income to average assets | 1.4928% | 613 |
| Noninterest expense to average assets | 3.1093% | 3,298 |
| Loan and lease loss provision to assets | 1.3606% | 998 |
| Net operating income to assets | 0.1614% | 5,612 |
| Return on assets (ROA) | 0.4740% | 4,620 |
| Pretax return on assets | 0.6206% | 4,526 |
| Return on Equity (ROE) | 4.3866% | 4,602 |
| Retained earnings to average equity (ytd only) | 0.4131% | 5,629 |
| Net charge-offs to loans | 2.5758% | 645 |
| Credit loss provision to net charge-offs | 99.7651% | 4,374 |
| Earnings coverage of net charge-offs (x) | 1.1511% | 4,912 |
| Efficiency ratio | 65.4257% | 4,970 |
| Assets per employee ($millions) | 3.5250% | 4,911 |
| Cash dividends to net income (ytd only)* | 90.5823% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6809% | 1,100 |
| Loan loss allowance to noncurrent loans | 73.1157% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.2156% | 3,177 |
| Noncurrent loans to loans | 3.6666% | 2,131 |
| Net loans and leases to total assets | 52.6713% | 6,016 |
| Net loans and leases to deposits | 69.7380% | 5,190 |
| Net loans and leases to core deposits | 76.9908% | 4,921 |
| Total domestic deposits to total assets | 75.5274% | 6,733 |
| Equity capital to assets | 10.9169% | 3,039 |
| Core capital (leverage) ratio | 8.7486% | 5,106 |
| Tier 1 risk-based capital ratio | 13.7899% | 3,987 |
| Total risk-based capital ratio | 15.0526% | 3,937 |
| Memoranda: | ||
| Average total assets | $1,956,404,000 | 353 |
| Average earning assets | $1,721,630,000 | 360 |
| Average equity | $211,396,500 | 329 |
| Average total loans | $1,035,810,500 | 430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 3,392 |
| Cost of funding earning assets | 1.7478% | 1,878 |
| Net interest margin | 3.5670% | 4,961 |
| Noninterest income to average assets | 1.5053% | 568 |
| Noninterest expense to average assets | 2.8558% | 4,241 |
| Loan and lease loss provision to assets | 1.2059% | 1,160 |
| Net operating income to assets | 0.4321% | 4,613 |
| Return on assets (ROA) | 0.5954% | 4,035 |
| Pretax return on assets | 0.8106% | 3,843 |
| Return on Equity (ROE) | 5.5285% | 4,030 |
| Retained earnings to average equity (ytd only) | 1.7835% | 4,971 |
| Net charge-offs to loans | 2.3108% | 768 |
| Credit loss provision to net charge-offs | 99.2613% | 4,137 |
| Earnings coverage of net charge-offs (x) | 1.4757% | 4,379 |
| Efficiency ratio | 60.3926% | 5,980 |
| Assets per employee ($millions) | 3.7169% | 4,416 |
| Cash dividends to net income (ytd only)* | 67.7392% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6605% | 1,129 |
| Loan loss allowance to noncurrent loans | 70.5095% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 3,240 |
| Noncurrent loans to loans | 3.7733% | 2,053 |
| Net loans and leases to total assets | 50.7448% | 6,347 |
| Net loans and leases to deposits | 69.7975% | 5,311 |
| Net loans and leases to core deposits | 77.4882% | 5,023 |
| Total domestic deposits to total assets | 72.7030% | 7,122 |
| Equity capital to assets | 10.8074% | 3,067 |
| Core capital (leverage) ratio | 8.6649% | 5,135 |
| Tier 1 risk-based capital ratio | 13.7372% | 3,915 |
| Total risk-based capital ratio | 14.9997% | 3,867 |
| Memoranda: | ||
| Average total assets | $1,983,434,330 | 350 |
| Average earning assets | $1,747,808,330 | 354 |
| Average equity | $213,620,000 | 324 |
| Average total loans | $1,042,760,330 | 431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3318% | 3,382 |
| Cost of funding earning assets | 1.7572% | 2,093 |
| Net interest margin | 3.5746% | 4,837 |
| Noninterest income to average assets | 1.6561% | 464 |
| Noninterest expense to average assets | 2.8585% | 4,235 |
| Loan and lease loss provision to assets | 1.3030% | 925 |
| Net operating income to assets | 0.4892% | 4,447 |
| Return on assets (ROA) | 0.4892% | 4,583 |
| Pretax return on assets | 0.6554% | 4,388 |
| Return on Equity (ROE) | 4.5502% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.8221% | 5,487 |
| Net charge-offs to loans | 2.7355% | 585 |
| Credit loss provision to net charge-offs | 90.2290% | 3,655 |
| Earnings coverage of net charge-offs (x) | 1.3561% | 3,933 |
| Efficiency ratio | 58.3240% | 6,434 |
| Assets per employee ($millions) | 3.7577% | 4,407 |
| Cash dividends to net income (ytd only)* | 81.9336% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5212% | 1,264 |
| Loan loss allowance to noncurrent loans | 89.0084% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 3,796 |
| Noncurrent loans to loans | 2.8325% | 2,836 |
| Net loans and leases to total assets | 51.4516% | 6,330 |
| Net loans and leases to deposits | 70.2926% | 5,303 |
| Net loans and leases to core deposits | 78.7948% | 4,925 |
| Total domestic deposits to total assets | 73.1963% | 7,141 |
| Equity capital to assets | 10.6661% | 3,072 |
| Core capital (leverage) ratio | 8.5216% | 5,337 |
| Tier 1 risk-based capital ratio | 13.2315% | 4,185 |
| Total risk-based capital ratio | 14.4925% | 4,123 |
| Memoranda: | ||
| Average total assets | $1,995,749,500 | 357 |
| Average earning assets | $1,764,671,500 | 360 |
| Average equity | $214,582,500 | 324 |
| Average total loans | $1,053,560,500 | 447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 3,068 |
| Cost of funding earning assets | 2.1979% | 2,044 |
| Net interest margin | 3.5092% | 4,914 |
| Noninterest income to average assets | 1.6319% | 542 |
| Noninterest expense to average assets | 2.8548% | 4,725 |
| Loan and lease loss provision to assets | 1.2778% | 1,810 |
| Net operating income to assets | 0.5500% | 3,526 |
| Return on assets (ROA) | 0.2688% | 4,732 |
| Pretax return on assets | 0.2979% | 4,767 |
| Return on Equity (ROE) | 2.6497% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.1804% | 4,218 |
| Net charge-offs to loans | 1.9702% | 1,250 |
| Credit loss provision to net charge-offs | 120.2197% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.7764% | 4,391 |
| Efficiency ratio | 58.8788% | 6,636 |
| Assets per employee ($millions) | 3.7242% | 4,465 |
| Cash dividends to net income (ytd only)* | 55.4529% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5862% | 1,129 |
| Loan loss allowance to noncurrent loans | 79.2746% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.0387% | 3,349 |
| Noncurrent loans to loans | 3.2624% | 2,339 |
| Net loans and leases to total assets | 51.4326% | 6,484 |
| Net loans and leases to deposits | 72.3135% | 5,283 |
| Net loans and leases to core deposits | 85.2138% | 5,597 |
| Total domestic deposits to total assets | 71.1244% | 7,327 |
| Equity capital to assets | 10.8378% | 2,835 |
| Core capital (leverage) ratio | 8.5563% | 5,176 |
| Tier 1 risk-based capital ratio | 13.1647% | 4,033 |
| Total risk-based capital ratio | 14.4264% | 3,977 |
| Memoranda: | ||
| Average total assets | $2,012,870,800 | 354 |
| Average earning assets | $1,784,467,000 | 356 |
| Average equity | $204,171,800 | 347 |
| Average total loans | $1,085,945,400 | 453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 3,047 |
| Cost of funding earning assets | 2.2592% | 2,155 |
| Net interest margin | 3.5033% | 4,850 |
| Noninterest income to average assets | 1.6422% | 542 |
| Noninterest expense to average assets | 2.8541% | 4,648 |
| Loan and lease loss provision to assets | 1.2536% | 1,540 |
| Net operating income to assets | 0.5789% | 3,682 |
| Return on assets (ROA) | 0.2776% | 4,980 |
| Pretax return on assets | 0.3082% | 5,042 |
| Return on Equity (ROE) | 2.7835% | 4,885 |
| Retained earnings to average equity (ytd only) | 1.7892% | 4,315 |
| Net charge-offs to loans | 1.9071% | 1,053 |
| Credit loss provision to net charge-offs | 121.2053% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.8338% | 4,430 |
| Efficiency ratio | 58.7469% | 6,604 |
| Assets per employee ($millions) | 3.6745% | 4,488 |
| Cash dividends to net income (ytd only)* | 35.7228% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 1,107 |
| Loan loss allowance to noncurrent loans | 62.3062% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.1695% | 3,133 |
| Noncurrent loans to loans | 3.9350% | 1,870 |
| Net loans and leases to total assets | 52.2465% | 6,581 |
| Net loans and leases to deposits | 73.6851% | 5,408 |
| Net loans and leases to core deposits | 87.1998% | 5,728 |
| Total domestic deposits to total assets | 70.9051% | 7,338 |
| Equity capital to assets | 10.8293% | 3,184 |
| Core capital (leverage) ratio | 8.3492% | 5,752 |
| Tier 1 risk-based capital ratio | 12.7874% | 4,329 |
| Total risk-based capital ratio | 14.0474% | 4,266 |
| Memoranda: | ||
| Average total assets | $2,017,049,250 | 364 |
| Average earning assets | $1,789,821,750 | 368 |
| Average equity | $201,130,000 | 361 |
| Average total loans | $1,093,948,750 | 464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 3,079 |
| Cost of funding earning assets | 2.2934% | 2,381 |
| Net interest margin | 3.5005% | 4,800 |
| Noninterest income to average assets | 1.6679% | 530 |
| Noninterest expense to average assets | 2.8977% | 4,507 |
| Loan and lease loss provision to assets | 0.8697% | 1,935 |
| Net operating income to assets | 0.7284% | 3,140 |
| Return on assets (ROA) | 0.7708% | 3,072 |
| Pretax return on assets | 1.0618% | 2,767 |
| Return on Equity (ROE) | 7.9555% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.9555% | 1,226 |
| Net charge-offs to loans | 1.5570% | 1,216 |
| Credit loss provision to net charge-offs | 102.5650% | 4,457 |
| Earnings coverage of net charge-offs (x) | 2.2094% | 3,960 |
| Efficiency ratio | 59.3896% | 6,636 |
| Assets per employee ($millions) | 3.7032% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 1,377 |
| Loan loss allowance to noncurrent loans | 56.8793% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.0137% | 3,179 |
| Noncurrent loans to loans | 3.7071% | 1,875 |
| Net loans and leases to total assets | 52.9623% | 6,573 |
| Net loans and leases to deposits | 75.0282% | 5,314 |
| Net loans and leases to core deposits | 90.5716% | 5,489 |
| Total domestic deposits to total assets | 70.5899% | 7,410 |
| Equity capital to assets | 10.3384% | 3,582 |
| Core capital (leverage) ratio | 8.5072% | 5,439 |
| Tier 1 risk-based capital ratio | 12.6755% | 4,373 |
| Total risk-based capital ratio | 13.9316% | 4,287 |
| Memoranda: | ||
| Average total assets | $2,023,082,670 | 371 |
| Average earning assets | $1,793,478,330 | 373 |
| Average equity | $196,015,670 | 373 |
| Average total loans | $1,101,721,670 | 475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 2,909 |
| Cost of funding earning assets | 2.3472% | 2,514 |
| Net interest margin | 3.5297% | 4,615 |
| Noninterest income to average assets | 1.6521% | 503 |
| Noninterest expense to average assets | 2.7949% | 4,575 |
| Loan and lease loss provision to assets | 0.8046% | 1,601 |
| Net operating income to assets | 0.8397% | 2,954 |
| Return on assets (ROA) | 0.8856% | 2,905 |
| Pretax return on assets | 1.2418% | 2,480 |
| Return on Equity (ROE) | 9.4584% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.4584% | 1,351 |
| Net charge-offs to loans | 1.0576% | 1,284 |
| Credit loss provision to net charge-offs | 139.2392% | 2,922 |
| Earnings coverage of net charge-offs (x) | 3.4297% | 3,182 |
| Efficiency ratio | 57.1429% | 6,809 |
| Assets per employee ($millions) | 3.7416% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,099 |
| Loan loss allowance to noncurrent loans | 62.4119% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 3,064 |
| Noncurrent loans to loans | 3.4993% | 1,818 |
| Net loans and leases to total assets | 52.6874% | 6,617 |
| Net loans and leases to deposits | 74.3459% | 5,442 |
| Net loans and leases to core deposits | 91.5018% | 5,404 |
| Total domestic deposits to total assets | 70.8680% | 7,341 |
| Equity capital to assets | 9.7259% | 4,345 |
| Core capital (leverage) ratio | 8.3723% | 5,769 |
| Tier 1 risk-based capital ratio | 12.3832% | 4,631 |
| Total risk-based capital ratio | 13.6401% | 4,550 |
| Memoranda: | ||
| Average total assets | $2,019,945,000 | 375 |
| Average earning assets | $1,788,155,500 | 374 |
| Average equity | $189,122,000 | 380 |
| Average total loans | $1,103,609,500 | 476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 3,933 |
| Cost of funding earning assets | 2.7837% | 2,772 |
| Net interest margin | 3.5222% | 5,222 |
| Noninterest income to average assets | 1.7619% | 438 |
| Noninterest expense to average assets | 2.7225% | 5,165 |
| Loan and lease loss provision to assets | 1.4465% | 948 |
| Net operating income to assets | 0.5522% | 4,517 |
| Return on assets (ROA) | 0.4583% | 4,739 |
| Pretax return on assets | 0.5723% | 4,773 |
| Return on Equity (ROE) | 4.6848% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.6150% | 2,898 |
| Net charge-offs to loans | 1.8355% | 598 |
| Credit loss provision to net charge-offs | 135.3111% | 3,941 |
| Earnings coverage of net charge-offs (x) | 1.9982% | 5,073 |
| Efficiency ratio | 54.3268% | 7,236 |
| Assets per employee ($millions) | 3.6506% | 4,282 |
| Cash dividends to net income (ytd only)* | 22.8363% | 4,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,108 |
| Loan loss allowance to noncurrent loans | 55.4961% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 2,339 |
| Noncurrent loans to loans | 3.7400% | 1,340 |
| Net loans and leases to total assets | 54.2777% | 6,627 |
| Net loans and leases to deposits | 78.5926% | 5,254 |
| Net loans and leases to core deposits | 94.7926% | 5,380 |
| Total domestic deposits to total assets | 69.0620% | 7,379 |
| Equity capital to assets | 8.9899% | 5,375 |
| Core capital (leverage) ratio | 7.4651% | 7,243 |
| Tier 1 risk-based capital ratio | 10.8169% | 5,892 |
| Total risk-based capital ratio | 12.0732% | 5,793 |
| Memoranda: | ||
| Average total assets | $1,910,834,600 | 375 |
| Average earning assets | $1,680,004,000 | 387 |
| Average equity | $186,944,400 | 393 |
| Average total loans | $1,112,862,400 | 457 |