Home > Seacoast National Bank > Performance and Condition Ratios
Seacoast National 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 | 5.4741% | 1,201 |
| Cost of funding earning assets | 1.5642% | 1,782 |
| Net interest margin | 3.9099% | 1,355 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.7195% | 1,689 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.7625% | 3,001 |
| Return on assets (ROA) | 0.7466% | 3,041 |
| Pretax return on assets | 0.9626% | 2,775 |
| Return on Equity (ROE) | 5.5000% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.4129% | 3,159 |
| Net charge-offs to loans | 0.2203% | 491 |
| Credit loss provision to net charge-offs | 175.6378% | 1,332 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,347 |
| Efficiency ratio | 63.6127% | 2,653 |
| Assets per employee ($millions) | 9.4561% | 842 |
| Cash dividends to net income (ytd only)* | 37.9163% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,112 |
| Loan loss allowance to noncurrent loans | 223.5933% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 1,101 |
| Noncurrent loans to loans | 0.6616% | 1,188 |
| Net loans and leases to total assets | 68.0700% | 2,027 |
| Net loans and leases to deposits | 84.1858% | 1,762 |
| Net loans and leases to core deposits | 89.2829% | 2,101 |
| Total domestic deposits to total assets | 80.8500% | 3,332 |
| Equity capital to assets | 14.4229% | 615 |
| Core capital (leverage) ratio | 10.3150% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8158% | 1,592 |
| Memoranda: | ||
| Average total assets | $14,361,593,800 | 125 |
| Average earning assets | $12,585,396,800 | 128 |
| Average equity | $1,950,457,200 | 100 |
| Average total loans | $9,698,098,000 | 127 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 1,082 |
| Cost of funding earning assets | 1.4006% | 1,866 |
| Net interest margin | 4.0406% | 1,160 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.8482% | 1,321 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.7202% | 3,257 |
| Return on assets (ROA) | 0.7169% | 3,257 |
| Pretax return on assets | 0.9272% | 3,036 |
| Return on Equity (ROE) | 5.3600% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.4283% | 3,409 |
| Net charge-offs to loans | 0.2310% | 384 |
| Credit loss provision to net charge-offs | 201.4783% | 1,116 |
| Earnings coverage of net charge-offs (x) | 8.0219% | 2,211 |
| Efficiency ratio | 64.6740% | 2,423 |
| Assets per employee ($millions) | 9.4361% | 799 |
| Cash dividends to net income (ytd only)* | 36.0751% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,124 |
| Loan loss allowance to noncurrent loans | 338.5766% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 1,645 |
| Noncurrent loans to loans | 0.4414% | 1,726 |
| Net loans and leases to total assets | 66.5900% | 2,188 |
| Net loans and leases to deposits | 81.4460% | 1,942 |
| Net loans and leases to core deposits | 87.4543% | 2,093 |
| Total domestic deposits to total assets | 81.7600% | 3,259 |
| Equity capital to assets | 13.6943% | 693 |
| Core capital (leverage) ratio | 10.0461% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2647% | 1,802 |
| Memoranda: | ||
| Average total assets | $14,309,025,250 | 127 |
| Average earning assets | $12,548,275,000 | 126 |
| Average equity | $1,912,649,500 | 102 |
| Average total loans | $9,605,789,750 | 130 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 1,017 |
| Cost of funding earning assets | 1.1636% | 2,095 |
| Net interest margin | 4.1861% | 950 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.0134% | 1,024 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 0.6327% | 3,501 |
| Return on assets (ROA) | 0.6320% | 3,512 |
| Pretax return on assets | 0.8199% | 3,356 |
| Return on Equity (ROE) | 4.7700% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.1732% | 3,425 |
| Net charge-offs to loans | 0.0822% | 770 |
| Credit loss provision to net charge-offs | 792.0370% | 482 |
| Earnings coverage of net charge-offs (x) | 22.8292% | 1,686 |
| Efficiency ratio | 65.8444% | 2,259 |
| Assets per employee ($millions) | 9.0023% | 907 |
| Cash dividends to net income (ytd only)* | 33.4587% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 974 |
| Loan loss allowance to noncurrent loans | 320.7837% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,397 |
| Noncurrent loans to loans | 0.4918% | 1,485 |
| Net loans and leases to total assets | 66.2800% | 2,127 |
| Net loans and leases to deposits | 81.0869% | 1,900 |
| Net loans and leases to core deposits | 88.3963% | 1,905 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 13.5133% | 715 |
| Core capital (leverage) ratio | 9.8747% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8391% | 1,963 |
| Memoranda: | ||
| Average total assets | $14,140,494,667 | 123 |
| Average earning assets | $12,421,308,000 | 125 |
| Average equity | $1,873,945,000 | 99 |
| Average total loans | $9,469,664,667 | 127 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 897 |
| Cost of funding earning assets | 0.8578% | 2,514 |
| Net interest margin | 4.3874% | 701 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.1020% | 930 |
| Loan and lease loss provision to assets | 0.9200% | 74 |
| Net operating income to assets | 0.3676% | 4,138 |
| Return on assets (ROA) | 0.3701% | 4,087 |
| Pretax return on assets | 0.4551% | 4,050 |
| Return on Equity (ROE) | 2.8200% | 4,206 |
| Retained earnings to average equity (ytd only) | 0.6215% | 3,922 |
| Net charge-offs to loans | 0.1395% | 480 |
| Credit loss provision to net charge-offs | 991.1543% | 362 |
| Earnings coverage of net charge-offs (x) | 14.7654% | 1,563 |
| Efficiency ratio | 64.9409% | 2,335 |
| Assets per employee ($millions) | 9.2409% | 862 |
| Cash dividends to net income (ytd only)* | 77.9891% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,160 |
| Loan loss allowance to noncurrent loans | 301.2309% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,328 |
| Noncurrent loans to loans | 0.5097% | 1,446 |
| Net loans and leases to total assets | 65.4600% | 2,113 |
| Net loans and leases to deposits | 81.0437% | 1,744 |
| Net loans and leases to core deposits | 86.4685% | 1,836 |
| Total domestic deposits to total assets | 80.7800% | 3,668 |
| Equity capital to assets | 13.2334% | 712 |
| Core capital (leverage) ratio | 10.3198% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5879% | 2,147 |
| Memoranda: | ||
| Average total assets | $13,693,839,500 | 128 |
| Average earning assets | $12,047,763,000 | 131 |
| Average equity | $1,795,133,000 | 104 |
| Average total loans | $9,142,554,000 | 132 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 1,821 |
| Cost of funding earning assets | 0.1261% | 4,249 |
| Net interest margin | 3.8354% | 1,091 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4878% | 2,160 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.0193% | 2,502 |
| Return on assets (ROA) | 1.0112% | 2,474 |
| Pretax return on assets | 1.3108% | 2,053 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.5008% | 3,234 |
| Net charge-offs to loans | 0.0130% | 1,892 |
| Credit loss provision to net charge-offs | 2,975.3409% | 196 |
| Earnings coverage of net charge-offs (x) | 191.5227% | 665 |
| Efficiency ratio | 59.3317% | 3,147 |
| Assets per employee ($millions) | 8.1477% | 1,252 |
| Cash dividends to net income (ytd only)* | 44.4338% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,511 |
| Loan loss allowance to noncurrent loans | 369.9539% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 1,793 |
| Noncurrent loans to loans | 0.3778% | 1,788 |
| Net loans and leases to total assets | 66.1800% | 2,020 |
| Net loans and leases to deposits | 80.4635% | 1,739 |
| Net loans and leases to core deposits | 82.2970% | 1,987 |
| Total domestic deposits to total assets | 82.2400% | 3,579 |
| Equity capital to assets | 12.9528% | 717 |
| Core capital (leverage) ratio | 10.4361% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4671% | 1,793 |
| Memoranda: | ||
| Average total assets | $10,776,907,800 | 156 |
| Average earning assets | $9,604,231,600 | 152 |
| Average equity | $1,345,448,600 | 136 |
| Average total loans | $6,764,948,400 | 162 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 2,274 |
| Cost of funding earning assets | 0.0789% | 4,428 |
| Net interest margin | 3.5451% | 1,534 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.2625% | 2,742 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0879% | 2,150 |
| Return on assets (ROA) | 1.0767% | 2,142 |
| Pretax return on assets | 1.3870% | 1,756 |
| Return on Equity (ROE) | 8.7200% | 3,107 |
| Retained earnings to average equity (ytd only) | 4.9488% | 3,118 |
| Net charge-offs to loans | 0.0019% | 2,224 |
| Credit loss provision to net charge-offs | 13,393.3333% | 46 |
| Earnings coverage of net charge-offs (x) | 1,352.5556% | 95 |
| Efficiency ratio | 57.8117% | 3,404 |
| Assets per employee ($millions) | 8.9491% | 908 |
| Cash dividends to net income (ytd only)* | 43.2436% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,531 |
| Loan loss allowance to noncurrent loans | 428.3294% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,032 |
| Noncurrent loans to loans | 0.3326% | 2,037 |
| Net loans and leases to total assets | 63.7700% | 2,116 |
| Net loans and leases to deposits | 75.2611% | 1,940 |
| Net loans and leases to core deposits | 76.9806% | 2,112 |
| Total domestic deposits to total assets | 84.7300% | 3,347 |
| Equity capital to assets | 12.1096% | 863 |
| Core capital (leverage) ratio | 11.0272% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0429% | 1,416 |
| Memoranda: | ||
| Average total assets | $10,436,098,250 | 159 |
| Average earning assets | $9,321,472,250 | 156 |
| Average equity | $1,288,687,500 | 142 |
| Average total loans | $6,419,216,750 | 165 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 2,223 |
| Cost of funding earning assets | 0.0625% | 4,511 |
| Net interest margin | 3.4084% | 1,579 |
| Noninterest income to average assets | 0.6587% | 1,506 |
| Noninterest expense to average assets | 2.2180% | 2,791 |
| Loan and lease loss provision to assets | 0.1410% | 680 |
| Net operating income to assets | 1.0495% | 1,979 |
| Return on assets (ROA) | 1.0381% | 1,998 |
| Pretax return on assets | 1.3246% | 1,662 |
| Return on Equity (ROE) | 8.3539% | 2,912 |
| Retained earnings to average equity (ytd only) | 4.8002% | 2,782 |
| Net charge-offs to loans | -0.0008% | 3,021 |
| Credit loss provision to net charge-offs | -29,516.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4830% | 3,491 |
| Assets per employee ($millions) | 9.8739% | 687 |
| Cash dividends to net income (ytd only)* | 42.5398% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,812 |
| Loan loss allowance to noncurrent loans | 341.9439% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 1,971 |
| Noncurrent loans to loans | 0.4049% | 1,915 |
| Net loans and leases to total assets | 59.7952% | 2,345 |
| Net loans and leases to deposits | 70.3539% | 2,167 |
| Net loans and leases to core deposits | 72.1185% | 2,326 |
| Total domestic deposits to total assets | 84.9920% | 3,485 |
| Equity capital to assets | 11.9991% | 874 |
| Core capital (leverage) ratio | 10.6107% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2493% | 1,374 |
| Memoranda: | ||
| Average total assets | $10,466,393,667 | 154 |
| Average earning assets | $9,332,827,000 | 156 |
| Average equity | $1,300,662,333 | 143 |
| Average total loans | $6,328,135,000 | 163 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 2,080 |
| Cost of funding earning assets | 0.0570% | 4,553 |
| Net interest margin | 3.3466% | 1,452 |
| Noninterest income to average assets | 0.6266% | 1,578 |
| Noninterest expense to average assets | 2.2964% | 2,515 |
| Loan and lease loss provision to assets | 0.2548% | 252 |
| Net operating income to assets | 0.8297% | 2,557 |
| Return on assets (ROA) | 0.8158% | 2,598 |
| Pretax return on assets | 1.0467% | 2,303 |
| Return on Equity (ROE) | 6.4481% | 3,202 |
| Retained earnings to average equity (ytd only) | 1.9292% | 3,563 |
| Net charge-offs to loans | 0.0054% | 1,561 |
| Credit loss provision to net charge-offs | 7,804.7619% | 56 |
| Earnings coverage of net charge-offs (x) | 404.0952% | 251 |
| Efficiency ratio | 61.9630% | 3,261 |
| Assets per employee ($millions) | 10.2302% | 646 |
| Cash dividends to net income (ytd only)* | 70.0819% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,951 |
| Loan loss allowance to noncurrent loans | 342.2530% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 1,718 |
| Noncurrent loans to loans | 0.4056% | 2,045 |
| Net loans and leases to total assets | 58.5214% | 2,241 |
| Net loans and leases to deposits | 69.0349% | 2,048 |
| Net loans and leases to core deposits | 71.0568% | 2,206 |
| Total domestic deposits to total assets | 84.7708% | 3,593 |
| Equity capital to assets | 12.1059% | 923 |
| Core capital (leverage) ratio | 10.6475% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1840% | 1,465 |
| Memoranda: | ||
| Average total assets | $10,293,654,500 | 155 |
| Average earning assets | $9,193,301,000 | 157 |
| Average equity | $1,302,330,500 | 145 |
| Average total loans | $6,214,326,000 | 165 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 2,956 |
| Cost of funding earning assets | 0.0792% | 4,534 |
| Net interest margin | 3.3098% | 2,291 |
| Noninterest income to average assets | 0.7824% | 1,500 |
| Noninterest expense to average assets | 2.1439% | 3,256 |
| Loan and lease loss provision to assets | -0.1023% | 4,534 |
| Net operating income to assets | 1.3754% | 1,359 |
| Return on assets (ROA) | 1.3704% | 1,424 |
| Pretax return on assets | 1.7485% | 1,028 |
| Return on Equity (ROE) | 10.5243% | 2,337 |
| Retained earnings to average equity (ytd only) | 6.5482% | 2,103 |
| Net charge-offs to loans | 0.0526% | 1,276 |
| Credit loss provision to net charge-offs | -309.5958% | 3,622 |
| Earnings coverage of net charge-offs (x) | 50.0141% | 1,295 |
| Efficiency ratio | 55.0320% | 3,813 |
| Assets per employee ($millions) | 9.7896% | 708 |
| Cash dividends to net income (ytd only)* | 37.7797% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,925 |
| Loan loss allowance to noncurrent loans | 271.2165% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 1,443 |
| Noncurrent loans to loans | 0.5157% | 1,833 |
| Net loans and leases to total assets | 60.6648% | 2,090 |
| Net loans and leases to deposits | 72.8031% | 1,830 |
| Net loans and leases to core deposits | 74.2794% | 2,056 |
| Total domestic deposits to total assets | 83.3271% | 3,731 |
| Equity capital to assets | 13.2666% | 831 |
| Core capital (leverage) ratio | 10.6547% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6750% | 1,345 |
| Memoranda: | ||
| Average total assets | $9,209,873,600 | 172 |
| Average earning assets | $8,386,542,400 | 169 |
| Average equity | $1,199,284,400 | 151 |
| Average total loans | $5,783,759,600 | 171 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 3,190 |
| Cost of funding earning assets | 0.0862% | 4,605 |
| Net interest margin | 3.2849% | 2,462 |
| Noninterest income to average assets | 0.7726% | 1,607 |
| Noninterest expense to average assets | 2.1570% | 3,202 |
| Loan and lease loss provision to assets | -0.0803% | 4,553 |
| Net operating income to assets | 1.3138% | 1,779 |
| Return on assets (ROA) | 1.3115% | 1,839 |
| Pretax return on assets | 1.6980% | 1,409 |
| Return on Equity (ROE) | 10.1224% | 2,692 |
| Retained earnings to average equity (ytd only) | 10.1224% | 1,279 |
| Net charge-offs to loans | 0.0575% | 1,073 |
| Credit loss provision to net charge-offs | -221.1950% | 3,416 |
| Earnings coverage of net charge-offs (x) | 44.6128% | 1,293 |
| Efficiency ratio | 55.6524% | 3,570 |
| Assets per employee ($millions) | 9.9438% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,728 |
| Loan loss allowance to noncurrent loans | 255.1214% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,567 |
| Noncurrent loans to loans | 0.5780% | 1,864 |
| Net loans and leases to total assets | 59.3050% | 2,341 |
| Net loans and leases to deposits | 70.4045% | 2,195 |
| Net loans and leases to core deposits | 73.7480% | 2,263 |
| Total domestic deposits to total assets | 84.2346% | 3,392 |
| Equity capital to assets | 12.8082% | 1,050 |
| Core capital (leverage) ratio | 10.7069% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9989% | 1,348 |
| Memoranda: | ||
| Average total assets | $9,091,865,500 | 175 |
| Average earning assets | $8,316,988,250 | 170 |
| Average equity | $1,177,989,750 | 153 |
| Average total loans | $5,740,494,500 | 171 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 3,216 |
| Cost of funding earning assets | 0.0959% | 4,608 |
| Net interest margin | 3.2903% | 2,471 |
| Noninterest income to average assets | 0.7610% | 1,644 |
| Noninterest expense to average assets | 2.0845% | 3,437 |
| Loan and lease loss provision to assets | -0.2396% | 4,796 |
| Net operating income to assets | 1.4994% | 1,292 |
| Return on assets (ROA) | 1.4964% | 1,367 |
| Pretax return on assets | 1.9311% | 950 |
| Return on Equity (ROE) | 11.4999% | 2,237 |
| Retained earnings to average equity (ytd only) | 11.4999% | 1,015 |
| Net charge-offs to loans | 0.0366% | 1,269 |
| Credit loss provision to net charge-offs | -1,020.2703% | 3,667 |
| Earnings coverage of net charge-offs (x) | 72.2027% | 887 |
| Efficiency ratio | 53.6951% | 3,840 |
| Assets per employee ($millions) | 9.8494% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,657 |
| Loan loss allowance to noncurrent loans | 243.9176% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 1,689 |
| Noncurrent loans to loans | 0.6070% | 1,892 |
| Net loans and leases to total assets | 57.9416% | 2,677 |
| Net loans and leases to deposits | 68.8917% | 2,527 |
| Net loans and leases to core deposits | 72.1503% | 2,591 |
| Total domestic deposits to total assets | 84.1053% | 3,397 |
| Equity capital to assets | 12.5212% | 1,122 |
| Core capital (leverage) ratio | 10.7071% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6041% | 1,206 |
| Memoranda: | ||
| Average total assets | $8,824,474,333 | 176 |
| Average earning assets | $8,096,416,333 | 173 |
| Average equity | $1,148,236,667 | 157 |
| Average total loans | $5,668,832,333 | 179 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 2,834 |
| Cost of funding earning assets | 0.1179% | 4,532 |
| Net interest margin | 3.4109% | 2,079 |
| Noninterest income to average assets | 0.8381% | 1,496 |
| Noninterest expense to average assets | 2.1535% | 3,256 |
| Loan and lease loss provision to assets | -0.2665% | 4,843 |
| Net operating income to assets | 1.5959% | 1,139 |
| Return on assets (ROA) | 1.5917% | 1,193 |
| Pretax return on assets | 2.0704% | 844 |
| Return on Equity (ROE) | 11.9868% | 2,020 |
| Retained earnings to average equity (ytd only) | 11.9868% | 1,149 |
| Net charge-offs to loans | 0.0260% | 1,238 |
| Credit loss provision to net charge-offs | -1,524.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | 103.4640% | 608 |
| Efficiency ratio | 52.9183% | 3,924 |
| Assets per employee ($millions) | 9.2472% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,556 |
| Loan loss allowance to noncurrent loans | 240.3479% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 1,624 |
| Noncurrent loans to loans | 0.6300% | 1,994 |
| Net loans and leases to total assets | 63.9515% | 2,048 |
| Net loans and leases to deposits | 76.3013% | 1,878 |
| Net loans and leases to core deposits | 81.1307% | 1,897 |
| Total domestic deposits to total assets | 83.8143% | 3,497 |
| Equity capital to assets | 12.9988% | 912 |
| Core capital (leverage) ratio | 11.1599% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5482% | 1,157 |
| Memoranda: | ||
| Average total assets | $8,577,957,000 | 176 |
| Average earning assets | $7,857,864,500 | 174 |
| Average equity | $1,139,021,500 | 157 |
| Average total loans | $5,763,327,500 | 177 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 2,704 |
| Cost of funding earning assets | 0.3113% | 4,080 |
| Net interest margin | 3.6948% | 1,817 |
| Noninterest income to average assets | 0.7518% | 1,682 |
| Noninterest expense to average assets | 2.3307% | 3,327 |
| Loan and lease loss provision to assets | 0.4849% | 531 |
| Net operating income to assets | 1.0040% | 2,275 |
| Return on assets (ROA) | 1.0164% | 2,372 |
| Pretax return on assets | 1.3139% | 1,927 |
| Return on Equity (ROE) | 7.5214% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.5214% | 1,193 |
| Net charge-offs to loans | 0.1363% | 1,184 |
| Credit loss provision to net charge-offs | 490.3180% | 1,269 |
| Earnings coverage of net charge-offs (x) | 18.2206% | 2,035 |
| Efficiency ratio | 54.8478% | 4,109 |
| Assets per employee ($millions) | 8.6459% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,303 |
| Loan loss allowance to noncurrent loans | 256.3881% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 1,799 |
| Noncurrent loans to loans | 0.6231% | 2,136 |
| Net loans and leases to total assets | 68.4559% | 1,768 |
| Net loans and leases to deposits | 82.3858% | 1,617 |
| Net loans and leases to core deposits | 90.2523% | 1,507 |
| Total domestic deposits to total assets | 83.0919% | 3,386 |
| Equity capital to assets | 13.5739% | 909 |
| Core capital (leverage) ratio | 11.0312% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2120% | 1,209 |
| Memoranda: | ||
| Average total assets | $7,873,411,600 | 175 |
| Average earning assets | $7,164,439,600 | 174 |
| Average equity | $1,063,938,200 | 159 |
| Average total loans | $5,654,178,400 | 173 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 2,811 |
| Cost of funding earning assets | 0.3560% | 4,027 |
| Net interest margin | 3.6971% | 1,957 |
| Noninterest income to average assets | 0.7844% | 1,556 |
| Noninterest expense to average assets | 2.4299% | 3,053 |
| Loan and lease loss provision to assets | 0.6237% | 393 |
| Net operating income to assets | 0.8468% | 2,921 |
| Return on assets (ROA) | 0.8638% | 2,985 |
| Pretax return on assets | 1.1133% | 2,698 |
| Return on Equity (ROE) | 6.4000% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.4000% | 1,920 |
| Net charge-offs to loans | 0.1074% | 1,261 |
| Credit loss provision to net charge-offs | 792.9061% | 988 |
| Earnings coverage of net charge-offs (x) | 22.0528% | 1,843 |
| Efficiency ratio | 56.7788% | 3,824 |
| Assets per employee ($millions) | 8.5614% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,143 |
| Loan loss allowance to noncurrent loans | 254.7295% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 1,830 |
| Noncurrent loans to loans | 0.6223% | 2,241 |
| Net loans and leases to total assets | 70.4328% | 1,883 |
| Net loans and leases to deposits | 84.4035% | 1,866 |
| Net loans and leases to core deposits | 93.9481% | 1,641 |
| Total domestic deposits to total assets | 83.4477% | 3,009 |
| Equity capital to assets | 13.3817% | 1,035 |
| Core capital (leverage) ratio | 11.1568% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8408% | 1,290 |
| Memoranda: | ||
| Average total assets | $7,755,931,000 | 175 |
| Average earning assets | $7,050,828,250 | 174 |
| Average equity | $1,046,794,500 | 159 |
| Average total loans | $5,616,663,250 | 173 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,604 |
| Cost of funding earning assets | 0.4248% | 3,926 |
| Net interest margin | 3.8264% | 1,755 |
| Noninterest income to average assets | 0.7659% | 1,537 |
| Noninterest expense to average assets | 2.3800% | 3,307 |
| Loan and lease loss provision to assets | 0.9797% | 215 |
| Net operating income to assets | 0.6906% | 3,420 |
| Return on assets (ROA) | 0.7167% | 3,447 |
| Pretax return on assets | 0.9120% | 3,277 |
| Return on Equity (ROE) | 5.2934% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.2934% | 2,352 |
| Net charge-offs to loans | 0.1005% | 1,268 |
| Credit loss provision to net charge-offs | 1,340.2166% | 654 |
| Earnings coverage of net charge-offs (x) | 25.4274% | 1,553 |
| Efficiency ratio | 54.3204% | 4,141 |
| Assets per employee ($millions) | 8.7486% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,088 |
| Loan loss allowance to noncurrent loans | 292.9280% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 2,066 |
| Noncurrent loans to loans | 0.5346% | 2,565 |
| Net loans and leases to total assets | 70.9545% | 1,880 |
| Net loans and leases to deposits | 86.0298% | 1,761 |
| Net loans and leases to core deposits | 96.6708% | 1,525 |
| Total domestic deposits to total assets | 82.4766% | 3,244 |
| Equity capital to assets | 12.9361% | 1,198 |
| Core capital (leverage) ratio | 10.7035% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5051% | 1,365 |
| Memoranda: | ||
| Average total assets | $7,578,767,667 | 176 |
| Average earning assets | $6,878,448,667 | 176 |
| Average equity | $1,026,061,000 | 160 |
| Average total loans | $5,511,859,333 | 173 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,591 |
| Cost of funding earning assets | 0.5566% | 3,656 |
| Net interest margin | 3.8512% | 1,821 |
| Noninterest income to average assets | 0.8275% | 1,234 |
| Noninterest expense to average assets | 2.6277% | 2,900 |
| Loan and lease loss provision to assets | 1.6113% | 90 |
| Net operating income to assets | 0.0700% | 4,691 |
| Return on assets (ROA) | 0.0711% | 4,683 |
| Pretax return on assets | 0.0713% | 4,685 |
| Return on Equity (ROE) | 0.5125% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.5125% | 3,872 |
| Net charge-offs to loans | 0.0746% | 1,278 |
| Credit loss provision to net charge-offs | 2,957.2144% | 267 |
| Earnings coverage of net charge-offs (x) | 30.8617% | 1,160 |
| Efficiency ratio | 59.1329% | 3,848 |
| Assets per employee ($millions) | 8.0006% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,077 |
| Loan loss allowance to noncurrent loans | 325.9962% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,328 |
| Noncurrent loans to loans | 0.4900% | 2,794 |
| Net loans and leases to total assets | 71.5542% | 1,990 |
| Net loans and leases to deposits | 89.3576% | 1,586 |
| Net loans and leases to core deposits | 103.0196% | 1,244 |
| Total domestic deposits to total assets | 80.0762% | 3,841 |
| Equity capital to assets | 13.7587% | 1,137 |
| Core capital (leverage) ratio | 11.4069% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6347% | 1,706 |
| Memoranda: | ||
| Average total assets | $7,326,301,500 | 177 |
| Average earning assets | $6,623,649,000 | 179 |
| Average equity | $1,016,235,000 | 165 |
| Average total loans | $5,354,291,500 | 176 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 2,384 |
| Cost of funding earning assets | 0.7013% | 3,153 |
| Net interest margin | 3.9787% | 1,913 |
| Noninterest income to average assets | 0.8189% | 1,391 |
| Noninterest expense to average assets | 2.3391% | 3,851 |
| Loan and lease loss provision to assets | 0.1601% | 1,310 |
| Net operating income to assets | 1.4637% | 1,147 |
| Return on assets (ROA) | 1.4777% | 1,163 |
| Pretax return on assets | 1.9234% | 708 |
| Return on Equity (ROE) | 10.6484% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.6484% | 379 |
| Net charge-offs to loans | 0.1666% | 1,214 |
| Credit loss provision to net charge-offs | 133.0310% | 1,918 |
| Earnings coverage of net charge-offs (x) | 17.1674% | 2,125 |
| Efficiency ratio | 51.1779% | 4,656 |
| Assets per employee ($millions) | 8.0961% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 4,620 |
| Loan loss allowance to noncurrent loans | 129.8969% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 2,227 |
| Noncurrent loans to loans | 0.5186% | 2,627 |
| Net loans and leases to total assets | 72.9181% | 1,931 |
| Net loans and leases to deposits | 92.8100% | 1,274 |
| Net loans and leases to core deposits | 105.6809% | 1,128 |
| Total domestic deposits to total assets | 78.5671% | 4,263 |
| Equity capital to assets | 14.1170% | 1,050 |
| Core capital (leverage) ratio | 11.3794% | 2,200 |
| Tier 1 risk-based capital ratio | 14.0351% | 3,250 |
| Total risk-based capital ratio | 14.6795% | 3,445 |
| Memoranda: | ||
| Average total assets | $6,871,122,600 | 179 |
| Average earning assets | $6,192,780,200 | 178 |
| Average equity | $953,501,200 | 169 |
| Average total loans | $4,963,314,000 | 181 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,322 |
| Cost of funding earning assets | 0.7291% | 3,071 |
| Net interest margin | 4.0010% | 1,937 |
| Noninterest income to average assets | 0.8260% | 1,343 |
| Noninterest expense to average assets | 2.4000% | 3,684 |
| Loan and lease loss provision to assets | 0.1213% | 1,613 |
| Net operating income to assets | 1.4634% | 1,295 |
| Return on assets (ROA) | 1.4430% | 1,401 |
| Pretax return on assets | 1.8805% | 909 |
| Return on Equity (ROE) | 10.4456% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.4456% | 640 |
| Net charge-offs to loans | 0.1365% | 1,175 |
| Credit loss provision to net charge-offs | 123.5599% | 1,906 |
| Earnings coverage of net charge-offs (x) | 20.6484% | 1,946 |
| Efficiency ratio | 52.2731% | 4,577 |
| Assets per employee ($millions) | 7.9660% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,699 |
| Loan loss allowance to noncurrent loans | 129.8493% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,292 |
| Noncurrent loans to loans | 0.5163% | 2,742 |
| Net loans and leases to total assets | 72.2646% | 2,134 |
| Net loans and leases to deposits | 87.7720% | 1,964 |
| Net loans and leases to core deposits | 99.7353% | 1,681 |
| Total domestic deposits to total assets | 82.3322% | 3,377 |
| Equity capital to assets | 14.2993% | 1,041 |
| Core capital (leverage) ratio | 11.3012% | 2,377 |
| Tier 1 risk-based capital ratio | 13.9491% | 3,355 |
| Total risk-based capital ratio | 14.5821% | 3,566 |
| Memoranda: | ||
| Average total assets | $6,811,814,250 | 180 |
| Average earning assets | $6,131,894,000 | 179 |
| Average equity | $941,004,250 | 171 |
| Average total loans | $4,899,534,250 | 183 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 2,252 |
| Cost of funding earning assets | 0.7307% | 2,992 |
| Net interest margin | 4.0096% | 1,891 |
| Noninterest income to average assets | 0.8093% | 1,320 |
| Noninterest expense to average assets | 2.4828% | 3,537 |
| Loan and lease loss provision to assets | 0.1164% | 1,611 |
| Net operating income to assets | 1.4105% | 1,405 |
| Return on assets (ROA) | 1.3994% | 1,496 |
| Pretax return on assets | 1.8040% | 1,020 |
| Return on Equity (ROE) | 10.2520% | 2,268 |
| Retained earnings to average equity (ytd only) | 10.2520% | 689 |
| Net charge-offs to loans | 0.1179% | 1,251 |
| Credit loss provision to net charge-offs | 137.7530% | 1,586 |
| Earnings coverage of net charge-offs (x) | 22.8992% | 1,673 |
| Efficiency ratio | 54.2632% | 4,441 |
| Assets per employee ($millions) | 8.0105% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 4,742 |
| Loan loss allowance to noncurrent loans | 145.8769% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,558 |
| Noncurrent loans to loans | 0.4682% | 2,875 |
| Net loans and leases to total assets | 71.3872% | 2,308 |
| Net loans and leases to deposits | 87.9247% | 2,018 |
| Net loans and leases to core deposits | 96.6658% | 2,005 |
| Total domestic deposits to total assets | 81.1913% | 3,752 |
| Equity capital to assets | 14.0231% | 1,106 |
| Core capital (leverage) ratio | 11.0373% | 2,562 |
| Tier 1 risk-based capital ratio | 13.7436% | 3,455 |
| Total risk-based capital ratio | 14.3878% | 3,673 |
| Memoranda: | ||
| Average total assets | $6,785,559,000 | 181 |
| Average earning assets | $6,105,585,670 | 178 |
| Average equity | $926,238,330 | 172 |
| Average total loans | $4,861,693,330 | 182 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 2,017 |
| Cost of funding earning assets | 0.7179% | 2,957 |
| Net interest margin | 4.0466% | 1,697 |
| Noninterest income to average assets | 0.7735% | 1,357 |
| Noninterest expense to average assets | 2.5510% | 3,368 |
| Loan and lease loss provision to assets | 0.0826% | 2,049 |
| Net operating income to assets | 1.3878% | 1,413 |
| Return on assets (ROA) | 1.3874% | 1,448 |
| Pretax return on assets | 1.7785% | 1,020 |
| Return on Equity (ROE) | 10.3059% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.8391% | 1,376 |
| Net charge-offs to loans | 0.0825% | 1,270 |
| Credit loss provision to net charge-offs | 139.9800% | 1,297 |
| Earnings coverage of net charge-offs (x) | 31.5511% | 1,303 |
| Efficiency ratio | 55.8589% | 4,353 |
| Assets per employee ($millions) | 7.5206% | 807 |
| Cash dividends to net income (ytd only)* | 14.2328% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 4,815 |
| Loan loss allowance to noncurrent loans | 141.6206% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,558 |
| Noncurrent loans to loans | 0.4786% | 2,878 |
| Net loans and leases to total assets | 70.8990% | 2,341 |
| Net loans and leases to deposits | 85.7828% | 2,150 |
| Net loans and leases to core deposits | 95.8621% | 1,937 |
| Total domestic deposits to total assets | 82.6494% | 3,521 |
| Equity capital to assets | 13.6560% | 1,154 |
| Core capital (leverage) ratio | 10.6018% | 2,939 |
| Tier 1 risk-based capital ratio | 13.5013% | 3,601 |
| Total risk-based capital ratio | 14.1419% | 3,830 |
| Memoranda: | ||
| Average total assets | $6,765,858,000 | 182 |
| Average earning assets | $6,084,676,000 | 181 |
| Average equity | $910,820,500 | 174 |
| Average total loans | $4,839,714,000 | 183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 2,661 |
| Cost of funding earning assets | 0.4979% | 3,376 |
| Net interest margin | 3.9325% | 2,219 |
| Noninterest income to average assets | 0.8428% | 1,328 |
| Noninterest expense to average assets | 2.6700% | 3,123 |
| Loan and lease loss provision to assets | 0.1935% | 981 |
| Net operating income to assets | 1.1655% | 2,332 |
| Return on assets (ROA) | 1.1574% | 2,353 |
| Pretax return on assets | 1.5042% | 1,771 |
| Return on Equity (ROE) | 9.1682% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.1682% | 809 |
| Net charge-offs to loans | 0.1556% | 1,236 |
| Credit loss provision to net charge-offs | 182.4545% | 1,551 |
| Earnings coverage of net charge-offs (x) | 16.1027% | 2,276 |
| Efficiency ratio | 59.3660% | 3,962 |
| Assets per employee ($millions) | 7.4813% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,866 |
| Loan loss allowance to noncurrent loans | 120.1430% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 2,264 |
| Noncurrent loans to loans | 0.5579% | 2,604 |
| Net loans and leases to total assets | 71.2003% | 2,397 |
| Net loans and leases to deposits | 92.7999% | 1,421 |
| Net loans and leases to core deposits | 100.8343% | 1,659 |
| Total domestic deposits to total assets | 76.7245% | 4,674 |
| Equity capital to assets | 13.2670% | 1,228 |
| Core capital (leverage) ratio | 10.4856% | 3,044 |
| Tier 1 risk-based capital ratio | 12.9663% | 3,860 |
| Total risk-based capital ratio | 13.5974% | 4,093 |
| Memoranda: | ||
| Average total assets | $6,060,894,200 | 193 |
| Average earning assets | $5,448,696,000 | 189 |
| Average equity | $765,100,400 | 185 |
| Average total loans | $4,132,199,600 | 197 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,914 |
| Cost of funding earning assets | 0.4472% | 3,538 |
| Net interest margin | 3.8679% | 2,409 |
| Noninterest income to average assets | 0.8551% | 1,321 |
| Noninterest expense to average assets | 2.5452% | 3,458 |
| Loan and lease loss provision to assets | 0.2125% | 790 |
| Net operating income to assets | 1.2137% | 2,183 |
| Return on assets (ROA) | 1.2101% | 2,206 |
| Pretax return on assets | 1.5700% | 1,676 |
| Return on Equity (ROE) | 9.7280% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.7280% | 996 |
| Net charge-offs to loans | 0.0891% | 1,615 |
| Credit loss provision to net charge-offs | 354.9338% | 884 |
| Earnings coverage of net charge-offs (x) | 29.8423% | 1,615 |
| Efficiency ratio | 57.1844% | 4,228 |
| Assets per employee ($millions) | 7.1036% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,520 |
| Loan loss allowance to noncurrent loans | 124.5266% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,577 |
| Noncurrent loans to loans | 0.6673% | 2,407 |
| Net loans and leases to total assets | 68.1384% | 2,910 |
| Net loans and leases to deposits | 87.0291% | 2,258 |
| Net loans and leases to core deposits | 93.9439% | 2,291 |
| Total domestic deposits to total assets | 78.2938% | 4,438 |
| Equity capital to assets | 12.7540% | 1,438 |
| Core capital (leverage) ratio | 10.4501% | 3,130 |
| Tier 1 risk-based capital ratio | 13.6525% | 3,547 |
| Total risk-based capital ratio | 14.4233% | 3,715 |
| Memoranda: | ||
| Average total assets | $5,889,093,750 | 195 |
| Average earning assets | $5,294,219,750 | 193 |
| Average equity | $732,557,750 | 187 |
| Average total loans | $3,955,977,750 | 205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,934 |
| Cost of funding earning assets | 0.4127% | 3,619 |
| Net interest margin | 3.8406% | 2,417 |
| Noninterest income to average assets | 0.8529% | 1,310 |
| Noninterest expense to average assets | 2.5505% | 3,475 |
| Loan and lease loss provision to assets | 0.1230% | 1,606 |
| Net operating income to assets | 1.2412% | 2,025 |
| Return on assets (ROA) | 1.2371% | 2,028 |
| Pretax return on assets | 1.6229% | 1,427 |
| Return on Equity (ROE) | 10.0310% | 2,550 |
| Retained earnings to average equity (ytd only) | 10.0310% | 920 |
| Net charge-offs to loans | 0.0925% | 1,422 |
| Credit loss provision to net charge-offs | 199.4481% | 1,314 |
| Earnings coverage of net charge-offs (x) | 28.3858% | 1,557 |
| Efficiency ratio | 57.7156% | 4,281 |
| Assets per employee ($millions) | 7.1712% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,877 |
| Loan loss allowance to noncurrent loans | 108.3499% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,447 |
| Noncurrent loans to loans | 0.6693% | 2,434 |
| Net loans and leases to total assets | 66.8499% | 3,037 |
| Net loans and leases to deposits | 84.2853% | 2,504 |
| Net loans and leases to core deposits | 91.5926% | 2,435 |
| Total domestic deposits to total assets | 79.3139% | 4,375 |
| Equity capital to assets | 12.4917% | 1,538 |
| Core capital (leverage) ratio | 10.1346% | 3,442 |
| Tier 1 risk-based capital ratio | 13.3806% | 3,686 |
| Total risk-based capital ratio | 14.0494% | 3,916 |
| Memoranda: | ||
| Average total assets | $5,874,958,000 | 195 |
| Average earning assets | $5,275,174,670 | 192 |
| Average equity | $724,575,670 | 187 |
| Average total loans | $3,916,138,670 | 204 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 2,804 |
| Cost of funding earning assets | 0.3886% | 3,671 |
| Net interest margin | 3.8364% | 2,276 |
| Noninterest income to average assets | 0.8538% | 1,285 |
| Noninterest expense to average assets | 2.5379% | 3,533 |
| Loan and lease loss provision to assets | 0.0742% | 2,285 |
| Net operating income to assets | 1.2782% | 1,717 |
| Return on assets (ROA) | 1.2727% | 1,740 |
| Pretax return on assets | 1.6787% | 1,173 |
| Return on Equity (ROE) | 10.3870% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.3870% | 1,046 |
| Net charge-offs to loans | 0.0092% | 2,411 |
| Credit loss provision to net charge-offs | 1,219.1011% | 292 |
| Earnings coverage of net charge-offs (x) | 289.2247% | 237 |
| Efficiency ratio | 57.4783% | 4,412 |
| Assets per employee ($millions) | 7.2577% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 4,992 |
| Loan loss allowance to noncurrent loans | 143.6938% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,842 |
| Noncurrent loans to loans | 0.4994% | 3,018 |
| Net loans and leases to total assets | 65.8437% | 3,056 |
| Net loans and leases to deposits | 82.4106% | 2,558 |
| Net loans and leases to core deposits | 88.8738% | 2,558 |
| Total domestic deposits to total assets | 79.8971% | 4,434 |
| Equity capital to assets | 12.2598% | 1,627 |
| Core capital (leverage) ratio | 9.8162% | 3,742 |
| Tier 1 risk-based capital ratio | 13.0683% | 3,914 |
| Total risk-based capital ratio | 13.7279% | 4,157 |
| Memoranda: | ||
| Average total assets | $5,850,729,500 | 196 |
| Average earning assets | $5,252,166,500 | 193 |
| Average equity | $716,895,500 | 189 |
| Average total loans | $3,879,847,000 | 205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,986 |
| Cost of funding earning assets | 0.3169% | 3,986 |
| Net interest margin | 3.8020% | 2,419 |
| Noninterest income to average assets | 0.8570% | 1,388 |
| Noninterest expense to average assets | 2.9084% | 2,428 |
| Loan and lease loss provision to assets | 0.1093% | 2,061 |
| Net operating income to assets | 0.6507% | 3,821 |
| Return on assets (ROA) | 0.6518% | 3,851 |
| Pretax return on assets | 1.2592% | 2,513 |
| Return on Equity (ROE) | 5.8181% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.8181% | 1,646 |
| Net charge-offs to loans | 0.0584% | 2,642 |
| Credit loss provision to net charge-offs | 293.2503% | 961 |
| Earnings coverage of net charge-offs (x) | 36.6843% | 1,332 |
| Efficiency ratio | 66.5086% | 3,168 |
| Assets per employee ($millions) | 7.1971% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 5,059 |
| Loan loss allowance to noncurrent loans | 138.9945% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 2,995 |
| Noncurrent loans to loans | 0.5079% | 2,995 |
| Net loans and leases to total assets | 65.8399% | 3,122 |
| Net loans and leases to deposits | 83.0358% | 2,604 |
| Net loans and leases to core deposits | 90.5480% | 2,509 |
| Total domestic deposits to total assets | 79.2910% | 4,482 |
| Equity capital to assets | 12.2463% | 1,675 |
| Core capital (leverage) ratio | 9.7179% | 3,787 |
| Tier 1 risk-based capital ratio | 12.4105% | 4,257 |
| Total risk-based capital ratio | 13.0376% | 4,547 |
| Memoranda: | ||
| Average total assets | $5,169,266,000 | 206 |
| Average earning assets | $4,647,369,000 | 202 |
| Average equity | $579,124,400 | 208 |
| Average total loans | $3,298,596,200 | 224 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,033 |
| Cost of funding earning assets | 0.2909% | 4,221 |
| Net interest margin | 3.7950% | 2,422 |
| Noninterest income to average assets | 0.8709% | 1,368 |
| Noninterest expense to average assets | 2.9598% | 2,217 |
| Loan and lease loss provision to assets | 0.0900% | 2,273 |
| Net operating income to assets | 0.8035% | 3,510 |
| Return on assets (ROA) | 0.8030% | 3,557 |
| Pretax return on assets | 1.2329% | 2,777 |
| Return on Equity (ROE) | 7.3658% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.3658% | 1,508 |
| Net charge-offs to loans | 0.0233% | 2,990 |
| Credit loss provision to net charge-offs | 612.1157% | 537 |
| Earnings coverage of net charge-offs (x) | 89.9988% | 743 |
| Efficiency ratio | 67.6100% | 2,946 |
| Assets per employee ($millions) | 6.9998% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,980 |
| Loan loss allowance to noncurrent loans | 182.4835% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,419 |
| Noncurrent loans to loans | 0.4210% | 3,441 |
| Net loans and leases to total assets | 63.5226% | 3,485 |
| Net loans and leases to deposits | 82.3782% | 2,735 |
| Net loans and leases to core deposits | 90.7538% | 2,548 |
| Total domestic deposits to total assets | 77.1110% | 4,863 |
| Equity capital to assets | 11.3076% | 2,567 |
| Core capital (leverage) ratio | 9.0557% | 4,680 |
| Tier 1 risk-based capital ratio | 12.3797% | 4,394 |
| Total risk-based capital ratio | 13.0746% | 4,619 |
| Memoranda: | ||
| Average total assets | $5,013,160,750 | 210 |
| Average earning assets | $4,507,900,000 | 208 |
| Average equity | $546,527,500 | 216 |
| Average total loans | $3,162,824,750 | 230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,241 |
| Cost of funding earning assets | 0.2518% | 4,526 |
| Net interest margin | 3.7377% | 2,524 |
| Noninterest income to average assets | 0.8470% | 1,421 |
| Noninterest expense to average assets | 3.1190% | 1,796 |
| Loan and lease loss provision to assets | 0.1103% | 1,852 |
| Net operating income to assets | 0.6487% | 4,091 |
| Return on assets (ROA) | 0.6493% | 4,136 |
| Pretax return on assets | 0.9840% | 3,625 |
| Return on Equity (ROE) | 6.0368% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0368% | 2,090 |
| Net charge-offs to loans | 0.0068% | 3,214 |
| Credit loss provision to net charge-offs | 2,576.1905% | 166 |
| Earnings coverage of net charge-offs (x) | 255.4476% | 333 |
| Efficiency ratio | 72.5359% | 2,256 |
| Assets per employee ($millions) | 6.9498% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 5,003 |
| Loan loss allowance to noncurrent loans | 151.4005% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,143 |
| Noncurrent loans to loans | 0.5123% | 3,220 |
| Net loans and leases to total assets | 63.0602% | 3,505 |
| Net loans and leases to deposits | 83.6630% | 2,526 |
| Net loans and leases to core deposits | 89.0521% | 2,610 |
| Total domestic deposits to total assets | 75.3740% | 5,158 |
| Equity capital to assets | 11.1245% | 2,678 |
| Core capital (leverage) ratio | 9.0587% | 4,654 |
| Tier 1 risk-based capital ratio | 12.1414% | 4,535 |
| Total risk-based capital ratio | 12.8490% | 4,778 |
| Memoranda: | ||
| Average total assets | $4,906,262,670 | 212 |
| Average earning assets | $4,417,577,000 | 211 |
| Average equity | $527,660,000 | 222 |
| Average total loans | $3,078,953,670 | 236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 3,606 |
| Cost of funding earning assets | 0.2240% | 4,765 |
| Net interest margin | 3.6192% | 2,821 |
| Noninterest income to average assets | 0.8798% | 1,308 |
| Noninterest expense to average assets | 2.9749% | 2,227 |
| Loan and lease loss provision to assets | 0.1105% | 1,732 |
| Net operating income to assets | 0.6894% | 3,753 |
| Return on assets (ROA) | 0.6894% | 3,788 |
| Pretax return on assets | 1.0458% | 3,178 |
| Return on Equity (ROE) | 6.5354% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.5354% | 2,058 |
| Net charge-offs to loans | 0.0193% | 2,404 |
| Credit loss provision to net charge-offs | 918.3099% | 350 |
| Earnings coverage of net charge-offs (x) | 96.1197% | 554 |
| Efficiency ratio | 70.5375% | 2,809 |
| Assets per employee ($millions) | 6.4110% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 5,004 |
| Loan loss allowance to noncurrent loans | 144.6099% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 3,148 |
| Noncurrent loans to loans | 0.5680% | 3,104 |
| Net loans and leases to total assets | 62.2568% | 3,502 |
| Net loans and leases to deposits | 80.6033% | 2,670 |
| Net loans and leases to core deposits | 83.7791% | 2,923 |
| Total domestic deposits to total assets | 77.2385% | 5,087 |
| Equity capital to assets | 10.5772% | 3,097 |
| Core capital (leverage) ratio | 8.7563% | 4,994 |
| Tier 1 risk-based capital ratio | 12.0786% | 4,663 |
| Total risk-based capital ratio | 12.8169% | 4,886 |
| Memoranda: | ||
| Average total assets | $4,721,963,000 | 217 |
| Average earning assets | $4,241,916,000 | 218 |
| Average equity | $498,089,000 | 231 |
| Average total loans | $2,942,262,500 | 245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 3,692 |
| Cost of funding earning assets | 0.1751% | 5,252 |
| Net interest margin | 3.6907% | 2,737 |
| Noninterest income to average assets | 0.9085% | 1,382 |
| Noninterest expense to average assets | 3.1109% | 2,002 |
| Loan and lease loss provision to assets | 0.0571% | 3,243 |
| Net operating income to assets | 0.7196% | 3,694 |
| Return on assets (ROA) | 0.7253% | 3,779 |
| Pretax return on assets | 1.0969% | 3,115 |
| Return on Equity (ROE) | 6.6141% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.6141% | 1,403 |
| Net charge-offs to loans | -0.0717% | 5,486 |
| Credit loss provision to net charge-offs | -129.5540% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7078% | 2,633 |
| Assets per employee ($millions) | 6.4559% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 5,082 |
| Loan loss allowance to noncurrent loans | 129.4821% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,933 |
| Noncurrent loans to loans | 0.6244% | 2,976 |
| Net loans and leases to total assets | 61.3397% | 3,676 |
| Net loans and leases to deposits | 81.4811% | 2,727 |
| Net loans and leases to core deposits | 83.5705% | 3,067 |
| Total domestic deposits to total assets | 75.2810% | 5,318 |
| Equity capital to assets | 10.5190% | 3,131 |
| Core capital (leverage) ratio | 8.7772% | 4,994 |
| Tier 1 risk-based capital ratio | 12.0291% | 4,708 |
| Total risk-based capital ratio | 12.7497% | 4,956 |
| Memoranda: | ||
| Average total assets | $4,222,297,200 | 226 |
| Average earning assets | $3,829,881,600 | 225 |
| Average equity | $463,024,600 | 232 |
| Average total loans | $2,594,876,000 | 256 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,694 |
| Cost of funding earning assets | 0.1733% | 5,319 |
| Net interest margin | 3.6981% | 2,727 |
| Noninterest income to average assets | 0.9135% | 1,362 |
| Noninterest expense to average assets | 3.2741% | 1,622 |
| Loan and lease loss provision to assets | 0.0458% | 3,326 |
| Net operating income to assets | 0.6264% | 4,177 |
| Return on assets (ROA) | 0.6341% | 4,277 |
| Pretax return on assets | 0.9652% | 3,759 |
| Return on Equity (ROE) | 5.7163% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.7163% | 2,345 |
| Net charge-offs to loans | -0.1135% | 5,613 |
| Credit loss provision to net charge-offs | -65.7809% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2746% | 2,066 |
| Assets per employee ($millions) | 6.1748% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,152 |
| Loan loss allowance to noncurrent loans | 123.0352% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 2,843 |
| Noncurrent loans to loans | 0.6611% | 3,048 |
| Net loans and leases to total assets | 61.2851% | 3,708 |
| Net loans and leases to deposits | 78.7915% | 3,103 |
| Net loans and leases to core deposits | 80.9451% | 3,356 |
| Total domestic deposits to total assets | 77.7813% | 4,951 |
| Equity capital to assets | 10.8939% | 3,142 |
| Core capital (leverage) ratio | 8.7486% | 5,101 |
| Tier 1 risk-based capital ratio | 12.1333% | 4,710 |
| Total risk-based capital ratio | 12.8670% | 4,934 |
| Memoranda: | ||
| Average total assets | $4,107,733,000 | 230 |
| Average earning assets | $3,732,061,000 | 230 |
| Average equity | $455,693,750 | 233 |
| Average total loans | $2,519,985,000 | 260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 3,909 |
| Cost of funding earning assets | 0.1703% | 5,406 |
| Net interest margin | 3.6427% | 2,926 |
| Noninterest income to average assets | 0.9133% | 1,333 |
| Noninterest expense to average assets | 3.3896% | 1,396 |
| Loan and lease loss provision to assets | 0.0433% | 3,280 |
| Net operating income to assets | 0.5027% | 4,666 |
| Return on assets (ROA) | 0.5071% | 4,761 |
| Pretax return on assets | 0.7941% | 4,303 |
| Return on Equity (ROE) | 4.5402% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.5402% | 3,022 |
| Net charge-offs to loans | -0.0606% | 5,446 |
| Credit loss provision to net charge-offs | -116.9837% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0804% | 1,624 |
| Assets per employee ($millions) | 5.5885% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 5,311 |
| Loan loss allowance to noncurrent loans | 130.7984% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 3,341 |
| Noncurrent loans to loans | 0.6012% | 3,262 |
| Net loans and leases to total assets | 59.6816% | 3,925 |
| Net loans and leases to deposits | 74.6647% | 3,512 |
| Net loans and leases to core deposits | 77.4692% | 3,687 |
| Total domestic deposits to total assets | 79.9328% | 4,564 |
| Equity capital to assets | 10.9803% | 3,078 |
| Core capital (leverage) ratio | 8.8210% | 5,031 |
| Tier 1 risk-based capital ratio | 12.1516% | 4,733 |
| Total risk-based capital ratio | 12.8518% | 4,988 |
| Memoranda: | ||
| Average total assets | $3,972,392,670 | 234 |
| Average earning assets | $3,606,139,670 | 236 |
| Average equity | $443,684,330 | 239 |
| Average total loans | $2,430,333,000 | 267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,098 |
| Cost of funding earning assets | 0.1725% | 5,446 |
| Net interest margin | 3.5877% | 3,132 |
| Noninterest income to average assets | 0.9284% | 1,238 |
| Noninterest expense to average assets | 3.4400% | 1,295 |
| Loan and lease loss provision to assets | 0.0211% | 3,408 |
| Net operating income to assets | 0.4580% | 4,799 |
| Return on assets (ROA) | 0.4640% | 4,849 |
| Pretax return on assets | 0.7350% | 4,401 |
| Return on Equity (ROE) | 4.1141% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1141% | 3,428 |
| Net charge-offs to loans | -0.0682% | 5,478 |
| Credit loss provision to net charge-offs | -50.1259% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0335% | 1,481 |
| Assets per employee ($millions) | 5.4939% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 5,366 |
| Loan loss allowance to noncurrent loans | 125.9676% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 3,281 |
| Noncurrent loans to loans | 0.6326% | 3,270 |
| Net loans and leases to total assets | 61.3902% | 3,609 |
| Net loans and leases to deposits | 76.1729% | 3,201 |
| Net loans and leases to core deposits | 79.3714% | 3,376 |
| Total domestic deposits to total assets | 80.5933% | 4,609 |
| Equity capital to assets | 11.7190% | 2,224 |
| Core capital (leverage) ratio | 10.4157% | 3,056 |
| Tier 1 risk-based capital ratio | 13.2098% | 4,137 |
| Total risk-based capital ratio | 13.9261% | 4,381 |
| Memoranda: | ||
| Average total assets | $3,767,909,000 | 248 |
| Average earning assets | $3,421,997,500 | 249 |
| Average equity | $424,982,500 | 244 |
| Average total loans | $2,327,704,500 | 272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,734 |
| Cost of funding earning assets | 0.1796% | 5,459 |
| Net interest margin | 3.7119% | 2,705 |
| Noninterest income to average assets | 0.9890% | 1,207 |
| Noninterest expense to average assets | 3.1443% | 2,103 |
| Loan and lease loss provision to assets | 0.0802% | 2,677 |
| Net operating income to assets | 0.7056% | 3,781 |
| Return on assets (ROA) | 0.7087% | 3,880 |
| Pretax return on assets | 1.1394% | 2,886 |
| Return on Equity (ROE) | 6.4834% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.4834% | 1,552 |
| Net charge-offs to loans | 0.0295% | 3,628 |
| Credit loss provision to net charge-offs | 450.4259% | 679 |
| Earnings coverage of net charge-offs (x) | 68.1874% | 787 |
| Efficiency ratio | 71.1415% | 3,047 |
| Assets per employee ($millions) | 5.3176% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,171 |
| Loan loss allowance to noncurrent loans | 110.0259% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,974 |
| Noncurrent loans to loans | 0.7974% | 2,798 |
| Net loans and leases to total assets | 61.1159% | 3,676 |
| Net loans and leases to deposits | 75.9715% | 3,256 |
| Net loans and leases to core deposits | 77.2736% | 3,631 |
| Total domestic deposits to total assets | 80.4459% | 4,624 |
| Equity capital to assets | 10.7814% | 3,048 |
| Core capital (leverage) ratio | 9.3606% | 4,383 |
| Tier 1 risk-based capital ratio | 13.3066% | 4,101 |
| Total risk-based capital ratio | 14.1083% | 4,309 |
| Memoranda: | ||
| Average total assets | $3,295,034,200 | 259 |
| Average earning assets | $2,991,578,000 | 261 |
| Average equity | $360,198,600 | 267 |
| Average total loans | $1,992,173,400 | 287 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 3,801 |
| Cost of funding earning assets | 0.1814% | 5,537 |
| Net interest margin | 3.7020% | 2,761 |
| Noninterest income to average assets | 0.9948% | 1,197 |
| Noninterest expense to average assets | 3.1424% | 2,105 |
| Loan and lease loss provision to assets | 0.0938% | 2,290 |
| Net operating income to assets | 0.6966% | 3,914 |
| Return on assets (ROA) | 0.7008% | 4,009 |
| Pretax return on assets | 1.1248% | 3,121 |
| Return on Equity (ROE) | 6.3871% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.3871% | 2,025 |
| Net charge-offs to loans | 0.0012% | 4,142 |
| Credit loss provision to net charge-offs | 12,638.8889% | 34 |
| Earnings coverage of net charge-offs (x) | 1,633.5146% | 40 |
| Efficiency ratio | 71.1945% | 3,014 |
| Assets per employee ($millions) | 5.1286% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 5,153 |
| Loan loss allowance to noncurrent loans | 112.6340% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 3,088 |
| Noncurrent loans to loans | 0.8109% | 2,940 |
| Net loans and leases to total assets | 62.0413% | 3,602 |
| Net loans and leases to deposits | 76.4438% | 3,253 |
| Net loans and leases to core deposits | 77.7724% | 3,632 |
| Total domestic deposits to total assets | 81.1593% | 4,434 |
| Equity capital to assets | 11.1764% | 2,818 |
| Core capital (leverage) ratio | 9.1712% | 4,774 |
| Tier 1 risk-based capital ratio | 12.7942% | 4,554 |
| Total risk-based capital ratio | 13.6129% | 4,754 |
| Memoranda: | ||
| Average total assets | $3,234,735,250 | 267 |
| Average earning assets | $2,935,566,750 | 269 |
| Average equity | $354,934,500 | 274 |
| Average total loans | $1,945,134,750 | 297 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 4,117 |
| Cost of funding earning assets | 0.1799% | 5,612 |
| Net interest margin | 3.6046% | 3,074 |
| Noninterest income to average assets | 1.0180% | 1,144 |
| Noninterest expense to average assets | 2.9736% | 2,636 |
| Loan and lease loss provision to assets | 0.0808% | 2,493 |
| Net operating income to assets | 0.7675% | 3,547 |
| Return on assets (ROA) | 0.7675% | 3,650 |
| Pretax return on assets | 1.2324% | 2,638 |
| Return on Equity (ROE) | 7.0411% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.0411% | 1,689 |
| Net charge-offs to loans | -0.0458% | 5,515 |
| Credit loss provision to net charge-offs | -298.1481% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4432% | 3,602 |
| Assets per employee ($millions) | 5.1819% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 5,058 |
| Loan loss allowance to noncurrent loans | 95.5458% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 3,011 |
| Noncurrent loans to loans | 1.0049% | 2,635 |
| Net loans and leases to total assets | 59.9430% | 3,844 |
| Net loans and leases to deposits | 74.3809% | 3,448 |
| Net loans and leases to core deposits | 75.7403% | 3,797 |
| Total domestic deposits to total assets | 80.5892% | 4,719 |
| Equity capital to assets | 10.9482% | 2,937 |
| Core capital (leverage) ratio | 8.9955% | 4,978 |
| Tier 1 risk-based capital ratio | 12.4763% | 4,826 |
| Total risk-based capital ratio | 13.3037% | 5,008 |
| Memoranda: | ||
| Average total assets | $3,186,388,000 | 271 |
| Average earning assets | $2,889,670,330 | 272 |
| Average equity | $347,333,670 | 281 |
| Average total loans | $1,888,118,330 | 297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,994 |
| Cost of funding earning assets | 0.1753% | 5,721 |
| Net interest margin | 3.6281% | 2,899 |
| Noninterest income to average assets | 0.9258% | 1,316 |
| Noninterest expense to average assets | 2.9242% | 2,822 |
| Loan and lease loss provision to assets | 0.0548% | 2,838 |
| Net operating income to assets | 0.7759% | 3,388 |
| Return on assets (ROA) | 0.7759% | 3,526 |
| Pretax return on assets | 1.2424% | 2,503 |
| Return on Equity (ROE) | 7.1338% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.1338% | 1,953 |
| Net charge-offs to loans | -0.0468% | 5,487 |
| Credit loss provision to net charge-offs | -199.5392% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3274% | 3,768 |
| Assets per employee ($millions) | 5.4048% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 5,264 |
| Loan loss allowance to noncurrent loans | 82.2626% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 2,933 |
| Noncurrent loans to loans | 1.1499% | 2,469 |
| Net loans and leases to total assets | 57.4130% | 4,035 |
| Net loans and leases to deposits | 71.0987% | 3,630 |
| Net loans and leases to core deposits | 72.5274% | 3,911 |
| Total domestic deposits to total assets | 80.7511% | 4,871 |
| Equity capital to assets | 10.7898% | 3,207 |
| Core capital (leverage) ratio | 9.7455% | 3,963 |
| Tier 1 risk-based capital ratio | 14.3703% | 3,789 |
| Total risk-based capital ratio | 15.2138% | 3,964 |
| Memoranda: | ||
| Average total assets | $3,162,825,000 | 271 |
| Average earning assets | $2,873,020,000 | 271 |
| Average equity | $343,995,000 | 279 |
| Average total loans | $1,853,650,000 | 299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 5,226 |
| Cost of funding earning assets | 0.1917% | 5,823 |
| Net interest margin | 3.3489% | 4,405 |
| Noninterest income to average assets | 1.0069% | 1,197 |
| Noninterest expense to average assets | 3.7502% | 1,063 |
| Loan and lease loss provision to assets | -0.1414% | 6,219 |
| Net operating income to assets | 0.2718% | 5,593 |
| Return on assets (ROA) | 0.2840% | 5,627 |
| Pretax return on assets | 0.4969% | 5,261 |
| Return on Equity (ROE) | 2.5663% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.5663% | 4,411 |
| Net charge-offs to loans | -0.0338% | 5,822 |
| Credit loss provision to net charge-offs | 712.8834% | 374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7421% | 804 |
| Assets per employee ($millions) | 5.3430% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 5,363 |
| Loan loss allowance to noncurrent loans | 79.9466% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 2,886 |
| Noncurrent loans to loans | 1.1643% | 2,504 |
| Net loans and leases to total assets | 58.7306% | 3,957 |
| Net loans and leases to deposits | 75.1861% | 3,291 |
| Net loans and leases to core deposits | 76.8450% | 3,621 |
| Total domestic deposits to total assets | 78.1137% | 5,417 |
| Equity capital to assets | 10.9664% | 2,927 |
| Core capital (leverage) ratio | 9.0350% | 4,940 |
| Tier 1 risk-based capital ratio | 13.4632% | 4,436 |
| Total risk-based capital ratio | 14.3240% | 4,595 |
| Memoranda: | ||
| Average total assets | $2,464,996,800 | 308 |
| Average earning assets | $2,266,876,200 | 301 |
| Average equity | $272,803,200 | 313 |
| Average total loans | $1,447,676,600 | 340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 5,632 |
| Cost of funding earning assets | 0.1976% | 5,854 |
| Net interest margin | 3.1772% | 5,037 |
| Noninterest income to average assets | 1.0169% | 1,184 |
| Noninterest expense to average assets | 3.3772% | 1,721 |
| Loan and lease loss provision to assets | -0.2082% | 6,398 |
| Net operating income to assets | 0.4617% | 5,027 |
| Return on assets (ROA) | 0.4750% | 5,055 |
| Pretax return on assets | 0.8052% | 4,348 |
| Return on Equity (ROE) | 4.2790% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,604 |
| Net charge-offs to loans | -0.1092% | 6,165 |
| Credit loss provision to net charge-offs | 325.5646% | 857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5682% | 1,321 |
| Assets per employee ($millions) | 4.6167% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,977 |
| Loan loss allowance to noncurrent loans | 92.6545% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 2,923 |
| Noncurrent loans to loans | 1.3454% | 2,394 |
| Net loans and leases to total assets | 59.0039% | 3,934 |
| Net loans and leases to deposits | 76.9524% | 3,074 |
| Net loans and leases to core deposits | 78.6690% | 3,475 |
| Total domestic deposits to total assets | 76.6759% | 5,732 |
| Equity capital to assets | 11.1177% | 2,844 |
| Core capital (leverage) ratio | 10.1937% | 3,421 |
| Tier 1 risk-based capital ratio | 15.8585% | 3,123 |
| Total risk-based capital ratio | 17.0663% | 3,092 |
| Memoranda: | ||
| Average total assets | $2,307,845,500 | 321 |
| Average earning assets | $2,133,020,500 | 318 |
| Average equity | $256,189,500 | 320 |
| Average total loans | $1,351,105,000 | 353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3580% | 5,697 |
| Cost of funding earning assets | 0.2004% | 5,909 |
| Net interest margin | 3.1576% | 5,072 |
| Noninterest income to average assets | 1.0048% | 1,186 |
| Noninterest expense to average assets | 3.3972% | 1,684 |
| Loan and lease loss provision to assets | -0.1902% | 6,467 |
| Net operating income to assets | 0.4265% | 5,107 |
| Return on assets (ROA) | 0.4275% | 5,193 |
| Pretax return on assets | 0.7137% | 4,595 |
| Return on Equity (ROE) | 3.8527% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.8527% | 3,724 |
| Net charge-offs to loans | -0.0377% | 5,764 |
| Credit loss provision to net charge-offs | 868.1275% | 378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8094% | 1,285 |
| Assets per employee ($millions) | 4.6769% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 3,641 |
| Loan loss allowance to noncurrent loans | 83.4215% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2193% | 2,649 |
| Noncurrent loans to loans | 1.6068% | 2,161 |
| Net loans and leases to total assets | 58.2627% | 3,960 |
| Net loans and leases to deposits | 73.9115% | 3,327 |
| Net loans and leases to core deposits | 75.6734% | 3,654 |
| Total domestic deposits to total assets | 78.8276% | 5,495 |
| Equity capital to assets | 11.3576% | 2,547 |
| Core capital (leverage) ratio | 9.8043% | 3,881 |
| Tier 1 risk-based capital ratio | 15.9409% | 3,121 |
| Total risk-based capital ratio | 17.1903% | 3,063 |
| Memoranda: | ||
| Average total assets | $2,290,741,670 | 321 |
| Average earning assets | $2,114,286,670 | 317 |
| Average equity | $254,157,670 | 319 |
| Average total loans | $1,331,618,000 | 355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,802 |
| Cost of funding earning assets | 0.2031% | 5,968 |
| Net interest margin | 3.1173% | 5,184 |
| Noninterest income to average assets | 0.9796% | 1,175 |
| Noninterest expense to average assets | 3.2644% | 2,031 |
| Loan and lease loss provision to assets | -0.1284% | 6,517 |
| Net operating income to assets | 0.4407% | 4,971 |
| Return on assets (ROA) | 0.4426% | 5,026 |
| Pretax return on assets | 0.7178% | 4,424 |
| Return on Equity (ROE) | 4.0367% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.0367% | 3,695 |
| Net charge-offs to loans | -0.0421% | 5,735 |
| Credit loss provision to net charge-offs | 528.7770% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8814% | 1,688 |
| Assets per employee ($millions) | 4.5014% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 3,281 |
| Loan loss allowance to noncurrent loans | 74.2639% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 2,515 |
| Noncurrent loans to loans | 1.9811% | 1,885 |
| Net loans and leases to total assets | 56.3602% | 4,099 |
| Net loans and leases to deposits | 71.6468% | 3,386 |
| Net loans and leases to core deposits | 73.1850% | 3,742 |
| Total domestic deposits to total assets | 78.6639% | 5,731 |
| Equity capital to assets | 10.9680% | 2,747 |
| Core capital (leverage) ratio | 9.4560% | 4,340 |
| Tier 1 risk-based capital ratio | 15.5572% | 3,406 |
| Total risk-based capital ratio | 16.8094% | 3,369 |
| Memoranda: | ||
| Average total assets | $2,290,283,500 | 325 |
| Average earning assets | $2,109,486,500 | 318 |
| Average equity | $251,097,500 | 323 |
| Average total loans | $1,320,766,500 | 355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 5,711 |
| Cost of funding earning assets | 0.2264% | 6,133 |
| Net interest margin | 3.2339% | 4,879 |
| Noninterest income to average assets | 1.0663% | 1,242 |
| Noninterest expense to average assets | 3.3631% | 1,966 |
| Loan and lease loss provision to assets | 0.1453% | 2,481 |
| Net operating income to assets | 2.3100% | 210 |
| Return on assets (ROA) | 2.3291% | 209 |
| Pretax return on assets | 0.5919% | 4,895 |
| Return on Equity (ROE) | 22.6189% | 187 |
| Retained earnings to average equity (ytd only) | 22.6189% | 64 |
| Net charge-offs to loans | 0.4083% | 1,649 |
| Credit loss provision to net charge-offs | 61.0260% | 3,531 |
| Earnings coverage of net charge-offs (x) | 3.0155% | 3,984 |
| Efficiency ratio | 81.5288% | 1,942 |
| Assets per employee ($millions) | 4.3677% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 3,083 |
| Loan loss allowance to noncurrent loans | 72.1041% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 2,429 |
| Noncurrent loans to loans | 2.1116% | 1,871 |
| Net loans and leases to total assets | 57.2591% | 4,154 |
| Net loans and leases to deposits | 71.8316% | 3,540 |
| Net loans and leases to core deposits | 73.5924% | 3,884 |
| Total domestic deposits to total assets | 79.7130% | 5,508 |
| Equity capital to assets | 10.9591% | 2,653 |
| Core capital (leverage) ratio | 9.5054% | 4,256 |
| Tier 1 risk-based capital ratio | 15.4877% | 3,383 |
| Total risk-based capital ratio | 16.7407% | 3,332 |
| Memoranda: | ||
| Average total assets | $2,193,505,800 | 327 |
| Average earning assets | $2,045,050,000 | 320 |
| Average equity | $225,863,800 | 340 |
| Average total loans | $1,279,462,600 | 348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4810% | 5,733 |
| Cost of funding earning assets | 0.2305% | 6,225 |
| Net interest margin | 3.2505% | 4,823 |
| Noninterest income to average assets | 1.0616% | 1,297 |
| Noninterest expense to average assets | 3.3789% | 1,874 |
| Loan and lease loss provision to assets | 0.1654% | 2,190 |
| Net operating income to assets | 2.9792% | 112 |
| Return on assets (ROA) | 3.0049% | 108 |
| Pretax return on assets | 0.5850% | 5,078 |
| Return on Equity (ROE) | 29.6800% | 71 |
| Retained earnings to average equity (ytd only) | 29.6800% | 33 |
| Net charge-offs to loans | 0.4605% | 1,390 |
| Credit loss provision to net charge-offs | 61.5139% | 3,266 |
| Earnings coverage of net charge-offs (x) | 2.6956% | 3,937 |
| Efficiency ratio | 81.4629% | 1,904 |
| Assets per employee ($millions) | 4.2495% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,005 |
| Loan loss allowance to noncurrent loans | 71.0765% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5989% | 2,549 |
| Noncurrent loans to loans | 2.2489% | 1,956 |
| Net loans and leases to total assets | 58.5662% | 3,912 |
| Net loans and leases to deposits | 73.9280% | 3,239 |
| Net loans and leases to core deposits | 75.7421% | 3,643 |
| Total domestic deposits to total assets | 79.2206% | 5,695 |
| Equity capital to assets | 11.6282% | 2,189 |
| Core capital (leverage) ratio | 9.7610% | 4,015 |
| Tier 1 risk-based capital ratio | 15.5781% | 3,428 |
| Total risk-based capital ratio | 16.8318% | 3,384 |
| Memoranda: | ||
| Average total assets | $2,175,173,000 | 330 |
| Average earning assets | $2,035,651,250 | 321 |
| Average equity | $220,223,750 | 347 |
| Average total loans | $1,269,818,500 | 349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 5,897 |
| Cost of funding earning assets | 0.2324% | 6,288 |
| Net interest margin | 3.1715% | 5,041 |
| Noninterest income to average assets | 1.0420% | 1,404 |
| Noninterest expense to average assets | 3.3736% | 1,882 |
| Loan and lease loss provision to assets | 0.1390% | 2,591 |
| Net operating income to assets | 0.5119% | 4,758 |
| Return on assets (ROA) | 0.5246% | 4,863 |
| Pretax return on assets | 0.5246% | 5,291 |
| Return on Equity (ROE) | 5.4464% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.4464% | 2,776 |
| Net charge-offs to loans | 0.5593% | 1,178 |
| Credit loss provision to net charge-offs | 42.8330% | 3,366 |
| Earnings coverage of net charge-offs (x) | 2.0062% | 3,847 |
| Efficiency ratio | 82.9364% | 1,766 |
| Assets per employee ($millions) | 4.0558% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 3,342 |
| Loan loss allowance to noncurrent loans | 60.3559% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9857% | 2,164 |
| Noncurrent loans to loans | 2.5749% | 1,783 |
| Net loans and leases to total assets | 58.2873% | 3,937 |
| Net loans and leases to deposits | 73.0662% | 3,290 |
| Net loans and leases to core deposits | 74.7795% | 3,693 |
| Total domestic deposits to total assets | 79.7733% | 5,655 |
| Equity capital to assets | 9.5402% | 4,534 |
| Core capital (leverage) ratio | 9.4785% | 4,282 |
| Tier 1 risk-based capital ratio | 15.7962% | 3,318 |
| Total risk-based capital ratio | 17.0500% | 3,269 |
| Memoranda: | ||
| Average total assets | $2,184,904,330 | 328 |
| Average earning assets | $2,054,656,000 | 316 |
| Average equity | $210,452,000 | 368 |
| Average total loans | $1,267,346,670 | 347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 5,954 |
| Cost of funding earning assets | 0.2375% | 6,366 |
| Net interest margin | 3.1583% | 5,066 |
| Noninterest income to average assets | 0.9962% | 1,471 |
| Noninterest expense to average assets | 3.3667% | 1,908 |
| Loan and lease loss provision to assets | 0.1744% | 2,122 |
| Net operating income to assets | 0.4257% | 5,024 |
| Return on assets (ROA) | 0.4303% | 5,163 |
| Pretax return on assets | 0.4303% | 5,471 |
| Return on Equity (ROE) | 4.4463% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.4463% | 3,567 |
| Net charge-offs to loans | 0.4835% | 1,237 |
| Credit loss provision to net charge-offs | 62.8214% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.1622% | 3,113 |
| Efficiency ratio | 83.9683% | 1,772 |
| Assets per employee ($millions) | 4.3400% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 2,898 |
| Loan loss allowance to noncurrent loans | 61.1793% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0932% | 2,241 |
| Noncurrent loans to loans | 2.8211% | 1,797 |
| Net loans and leases to total assets | 55.7393% | 4,129 |
| Net loans and leases to deposits | 69.4786% | 3,578 |
| Net loans and leases to core deposits | 71.1287% | 3,940 |
| Total domestic deposits to total assets | 80.2251% | 5,702 |
| Equity capital to assets | 9.6627% | 4,620 |
| Core capital (leverage) ratio | 9.4934% | 4,095 |
| Tier 1 risk-based capital ratio | 16.5408% | 2,980 |
| Total risk-based capital ratio | 17.7968% | 2,935 |
| Memoranda: | ||
| Average total assets | $2,186,343,000 | 333 |
| Average earning assets | $2,056,434,500 | 320 |
| Average equity | $211,593,500 | 373 |
| Average total loans | $1,255,059,000 | 351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 6,092 |
| Cost of funding earning assets | 0.3737% | 6,084 |
| Net interest margin | 3.3022% | 5,240 |
| Noninterest income to average assets | 0.7964% | 2,274 |
| Noninterest expense to average assets | 3.6934% | 1,428 |
| Loan and lease loss provision to assets | 0.5064% | 1,164 |
| Net operating income to assets | -0.3155% | 6,455 |
| Return on assets (ROA) | 0.0419% | 6,239 |
| Pretax return on assets | 0.0419% | 6,229 |
| Return on Equity (ROE) | 0.4235% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.4235% | 5,644 |
| Net charge-offs to loans | 1.1564% | 888 |
| Credit loss provision to net charge-offs | 75.7242% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.2855% | 5,339 |
| Efficiency ratio | 94.1341% | 792 |
| Assets per employee ($millions) | 4.2846% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 2,755 |
| Loan loss allowance to noncurrent loans | 53.9701% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,013 |
| Noncurrent loans to loans | 3.2451% | 1,586 |
| Net loans and leases to total assets | 57.0821% | 4,111 |
| Net loans and leases to deposits | 70.3334% | 3,664 |
| Net loans and leases to core deposits | 71.9528% | 4,049 |
| Total domestic deposits to total assets | 81.1593% | 5,356 |
| Equity capital to assets | 9.6934% | 4,597 |
| Core capital (leverage) ratio | 9.7194% | 3,775 |
| Tier 1 risk-based capital ratio | 16.5352% | 2,868 |
| Total risk-based capital ratio | 17.7918% | 2,843 |
| Memoranda: | ||
| Average total assets | $2,132,077,400 | 337 |
| Average earning assets | $1,993,755,800 | 319 |
| Average equity | $210,847,200 | 357 |
| Average total loans | $1,232,927,400 | 358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 6,183 |
| Cost of funding earning assets | 0.4093% | 6,066 |
| Net interest margin | 3.3161% | 5,327 |
| Noninterest income to average assets | 0.8007% | 2,237 |
| Noninterest expense to average assets | 3.7178% | 1,340 |
| Loan and lease loss provision to assets | 0.6070% | 902 |
| Net operating income to assets | -0.4211% | 6,655 |
| Return on assets (ROA) | 0.0210% | 6,383 |
| Pretax return on assets | 0.0210% | 6,375 |
| Return on Equity (ROE) | 0.2118% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.2118% | 6,017 |
| Net charge-offs to loans | 1.3169% | 716 |
| Credit loss provision to net charge-offs | 79.7951% | 3,625 |
| Earnings coverage of net charge-offs (x) | 0.2443% | 5,205 |
| Efficiency ratio | 94.2845% | 757 |
| Assets per employee ($millions) | 4.1108% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,548 |
| Loan loss allowance to noncurrent loans | 52.0112% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 2,057 |
| Noncurrent loans to loans | 3.6123% | 1,495 |
| Net loans and leases to total assets | 58.0465% | 4,129 |
| Net loans and leases to deposits | 71.6794% | 3,655 |
| Net loans and leases to core deposits | 73.6282% | 4,021 |
| Total domestic deposits to total assets | 80.9808% | 5,366 |
| Equity capital to assets | 10.1599% | 4,260 |
| Core capital (leverage) ratio | 9.7416% | 3,882 |
| Tier 1 risk-based capital ratio | 16.7819% | 2,854 |
| Total risk-based capital ratio | 18.0401% | 2,802 |
| Memoranda: | ||
| Average total assets | $2,122,020,250 | 343 |
| Average earning assets | $1,985,636,750 | 321 |
| Average equity | $210,916,250 | 356 |
| Average total loans | $1,225,633,750 | 362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 6,204 |
| Cost of funding earning assets | 0.4492% | 5,980 |
| Net interest margin | 3.3233% | 5,378 |
| Noninterest income to average assets | 0.7114% | 2,604 |
| Noninterest expense to average assets | 3.6926% | 1,388 |
| Loan and lease loss provision to assets | 0.8202% | 603 |
| Net operating income to assets | -0.6951% | 6,816 |
| Return on assets (ROA) | -0.0407% | 6,485 |
| Pretax return on assets | -0.0407% | 6,478 |
| Return on Equity (ROE) | -0.4128% | 6,491 |
| Retained earnings to average equity (ytd only) | -0.4128% | 6,105 |
| Net charge-offs to loans | 1.5833% | 600 |
| Credit loss provision to net charge-offs | 90.4025% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.1379% | 5,004 |
| Efficiency ratio | 95.7496% | 712 |
| Assets per employee ($millions) | 4.2013% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 2,237 |
| Loan loss allowance to noncurrent loans | 50.8127% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.6463% | 2,090 |
| Noncurrent loans to loans | 3.9335% | 1,413 |
| Net loans and leases to total assets | 57.3864% | 4,265 |
| Net loans and leases to deposits | 71.2423% | 3,733 |
| Net loans and leases to core deposits | 73.3761% | 4,116 |
| Total domestic deposits to total assets | 80.5510% | 5,598 |
| Equity capital to assets | 9.9099% | 4,469 |
| Core capital (leverage) ratio | 9.3752% | 4,328 |
| Tier 1 risk-based capital ratio | 16.4592% | 2,942 |
| Total risk-based capital ratio | 17.7189% | 2,899 |
| Memoranda: | ||
| Average total assets | $2,136,007,670 | 336 |
| Average earning assets | $1,996,519,330 | 319 |
| Average equity | $210,778,000 | 351 |
| Average total loans | $1,224,005,000 | 362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 6,121 |
| Cost of funding earning assets | 0.4862% | 5,895 |
| Net interest margin | 3.3731% | 5,229 |
| Noninterest income to average assets | 0.5713% | 3,415 |
| Noninterest expense to average assets | 3.6715% | 1,422 |
| Loan and lease loss provision to assets | 0.4285% | 1,463 |
| Net operating income to assets | -0.3843% | 6,760 |
| Return on assets (ROA) | 0.2430% | 5,991 |
| Pretax return on assets | 0.2430% | 6,099 |
| Return on Equity (ROE) | 2.4675% | 5,916 |
| Retained earnings to average equity (ytd only) | 2.4675% | 5,024 |
| Net charge-offs to loans | 1.1199% | 921 |
| Credit loss provision to net charge-offs | 67.4963% | 2,968 |
| Earnings coverage of net charge-offs (x) | 0.0697% | 4,334 |
| Efficiency ratio | 97.8036% | 644 |
| Assets per employee ($millions) | 5.1482% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,364 |
| Loan loss allowance to noncurrent loans | 58.5819% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.6426% | 2,238 |
| Noncurrent loans to loans | 3.4089% | 1,844 |
| Net loans and leases to total assets | 55.3726% | 4,490 |
| Net loans and leases to deposits | 68.8027% | 3,907 |
| Net loans and leases to core deposits | 71.3366% | 4,251 |
| Total domestic deposits to total assets | 80.4803% | 5,728 |
| Equity capital to assets | 9.8169% | 4,351 |
| Core capital (leverage) ratio | 9.5304% | 4,009 |
| Tier 1 risk-based capital ratio | 16.5523% | 2,885 |
| Total risk-based capital ratio | 17.8117% | 2,848 |
| Memoranda: | ||
| Average total assets | $2,151,580,000 | 328 |
| Average earning assets | $2,005,769,000 | 310 |
| Average equity | $211,872,500 | 343 |
| Average total loans | $1,219,737,500 | 360 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 6,050 |
| Cost of funding earning assets | 0.6697% | 5,711 |
| Net interest margin | 3.5310% | 5,019 |
| Noninterest income to average assets | 0.7190% | 2,498 |
| Noninterest expense to average assets | 3.5669% | 1,813 |
| Loan and lease loss provision to assets | 0.0953% | 5,404 |
| Net operating income to assets | 0.3342% | 5,131 |
| Return on assets (ROA) | 0.3931% | 5,064 |
| Pretax return on assets | 0.3931% | 5,316 |
| Return on Equity (ROE) | 3.9772% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.9772% | 3,365 |
| Net charge-offs to loans | 1.1590% | 1,466 |
| Credit loss provision to net charge-offs | 13.9476% | 5,981 |
| Earnings coverage of net charge-offs (x) | 0.6288% | 5,353 |
| Efficiency ratio | 88.2310% | 1,341 |
| Assets per employee ($millions) | 5.0851% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 1,995 |
| Loan loss allowance to noncurrent loans | 89.6200% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.3164% | 2,607 |
| Noncurrent loans to loans | 2.3481% | 2,794 |
| Net loans and leases to total assets | 55.6855% | 4,765 |
| Net loans and leases to deposits | 68.8844% | 4,296 |
| Net loans and leases to core deposits | 72.1223% | 4,511 |
| Total domestic deposits to total assets | 80.8391% | 5,499 |
| Equity capital to assets | 9.8781% | 4,332 |
| Core capital (leverage) ratio | 9.7863% | 3,627 |
| Tier 1 risk-based capital ratio | 16.6331% | 2,763 |
| Total risk-based capital ratio | 17.8934% | 2,720 |
| Memoranda: | ||
| Average total assets | $2,072,155,000 | 333 |
| Average earning assets | $1,923,290,200 | 322 |
| Average equity | $204,794,000 | 344 |
| Average total loans | $1,221,124,400 | 353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 6,100 |
| Cost of funding earning assets | 0.7017% | 5,753 |
| Net interest margin | 3.5419% | 5,014 |
| Noninterest income to average assets | 0.7276% | 2,433 |
| Noninterest expense to average assets | 3.5820% | 1,748 |
| Loan and lease loss provision to assets | 0.1000% | 5,206 |
| Net operating income to assets | 0.3324% | 5,281 |
| Return on assets (ROA) | 0.3413% | 5,420 |
| Pretax return on assets | 0.3413% | 5,619 |
| Return on Equity (ROE) | 3.4531% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.4531% | 4,280 |
| Net charge-offs to loans | 1.1870% | 1,321 |
| Credit loss provision to net charge-offs | 14.1663% | 5,632 |
| Earnings coverage of net charge-offs (x) | 0.6127% | 5,167 |
| Efficiency ratio | 88.2026% | 1,328 |
| Assets per employee ($millions) | 4.8108% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 1,632 |
| Loan loss allowance to noncurrent loans | 86.9782% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 2,363 |
| Noncurrent loans to loans | 2.6865% | 2,600 |
| Net loans and leases to total assets | 57.9216% | 4,529 |
| Net loans and leases to deposits | 71.0834% | 4,130 |
| Net loans and leases to core deposits | 74.5800% | 4,368 |
| Total domestic deposits to total assets | 81.4840% | 5,262 |
| Equity capital to assets | 10.2845% | 3,978 |
| Core capital (leverage) ratio | 9.7343% | 3,800 |
| Tier 1 risk-based capital ratio | 16.4564% | 2,886 |
| Total risk-based capital ratio | 17.7199% | 2,844 |
| Memoranda: | ||
| Average total assets | $2,056,256,000 | 337 |
| Average earning assets | $1,908,215,750 | 323 |
| Average equity | $203,249,500 | 351 |
| Average total loans | $1,222,688,250 | 352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 6,186 |
| Cost of funding earning assets | 0.7159% | 5,863 |
| Net interest margin | 3.5258% | 5,037 |
| Noninterest income to average assets | 0.7158% | 2,458 |
| Noninterest expense to average assets | 3.6102% | 1,714 |
| Loan and lease loss provision to assets | 0.1498% | 4,437 |
| Net operating income to assets | 0.2229% | 5,653 |
| Return on assets (ROA) | 0.2229% | 5,772 |
| Pretax return on assets | 0.2229% | 5,881 |
| Return on Equity (ROE) | 2.2855% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.2855% | 4,834 |
| Net charge-offs to loans | 1.3150% | 1,161 |
| Credit loss provision to net charge-offs | 19.1434% | 5,142 |
| Earnings coverage of net charge-offs (x) | 0.4762% | 4,951 |
| Efficiency ratio | 89.6085% | 1,267 |
| Assets per employee ($millions) | 5.0271% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6163% | 1,296 |
| Loan loss allowance to noncurrent loans | 67.6508% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 3.4615% | 1,905 |
| Noncurrent loans to loans | 3.8674% | 1,795 |
| Net loans and leases to total assets | 55.8556% | 5,017 |
| Net loans and leases to deposits | 68.4046% | 4,647 |
| Net loans and leases to core deposits | 72.0093% | 4,815 |
| Total domestic deposits to total assets | 81.6547% | 5,292 |
| Equity capital to assets | 9.8296% | 4,357 |
| Core capital (leverage) ratio | 9.3502% | 4,174 |
| Tier 1 risk-based capital ratio | 16.1378% | 2,908 |
| Total risk-based capital ratio | 17.4045% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,058,541,670 | 343 |
| Average earning assets | $1,907,490,330 | 328 |
| Average equity | $200,742,670 | 355 |
| Average total loans | $1,225,102,670 | 356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 6,119 |
| Cost of funding earning assets | 0.7190% | 6,031 |
| Net interest margin | 3.5432% | 4,838 |
| Noninterest income to average assets | 0.7612% | 2,213 |
| Noninterest expense to average assets | 3.7614% | 1,417 |
| Loan and lease loss provision to assets | 0.1250% | 4,434 |
| Net operating income to assets | 0.1506% | 5,945 |
| Return on assets (ROA) | 0.1506% | 6,001 |
| Pretax return on assets | 0.1506% | 6,050 |
| Return on Equity (ROE) | 1.5511% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.5511% | 5,183 |
| Net charge-offs to loans | 1.2995% | 1,068 |
| Credit loss provision to net charge-offs | 15.8770% | 4,316 |
| Earnings coverage of net charge-offs (x) | 0.3500% | 4,351 |
| Efficiency ratio | 92.1450% | 1,152 |
| Assets per employee ($millions) | 4.9048% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7964% | 1,115 |
| Loan loss allowance to noncurrent loans | 51.8669% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.3442% | 1,505 |
| Noncurrent loans to loans | 5.3915% | 1,214 |
| Net loans and leases to total assets | 57.4194% | 4,735 |
| Net loans and leases to deposits | 70.0715% | 4,334 |
| Net loans and leases to core deposits | 73.8152% | 4,551 |
| Total domestic deposits to total assets | 81.9440% | 5,337 |
| Equity capital to assets | 9.5576% | 4,360 |
| Core capital (leverage) ratio | 9.3647% | 4,023 |
| Tier 1 risk-based capital ratio | 15.4139% | 3,202 |
| Total risk-based capital ratio | 16.6830% | 3,146 |
| Memoranda: | ||
| Average total assets | $2,047,208,000 | 345 |
| Average earning assets | $1,892,750,000 | 330 |
| Average equity | $198,827,000 | 356 |
| Average total loans | $1,240,802,500 | 354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 6,562 |
| Cost of funding earning assets | 0.8986% | 6,178 |
| Net interest margin | 3.5299% | 5,112 |
| Noninterest income to average assets | 0.2991% | 5,657 |
| Noninterest expense to average assets | 3.6951% | 1,713 |
| Loan and lease loss provision to assets | 1.5251% | 967 |
| Net operating income to assets | -1.6770% | 6,962 |
| Return on assets (ROA) | -1.4995% | 6,925 |
| Pretax return on assets | -1.4995% | 6,854 |
| Return on Equity (ROE) | -15.3586% | 6,926 |
| Retained earnings to average equity (ytd only) | -15.3586% | 6,891 |
| Net charge-offs to loans | 2.9530% | 565 |
| Credit loss provision to net charge-offs | 80.9650% | 5,530 |
| Earnings coverage of net charge-offs (x) | -0.0807% | 6,202 |
| Efficiency ratio | 102.9498% | 695 |
| Assets per employee ($millions) | 5.0878% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0120% | 863 |
| Loan loss allowance to noncurrent loans | 55.2750% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 4.6646% | 1,417 |
| Noncurrent loans to loans | 5.4491% | 1,208 |
| Net loans and leases to total assets | 60.3239% | 4,628 |
| Net loans and leases to deposits | 73.4294% | 4,291 |
| Net loans and leases to core deposits | 77.5088% | 4,517 |
| Total domestic deposits to total assets | 82.1523% | 5,137 |
| Equity capital to assets | 9.8715% | 3,909 |
| Core capital (leverage) ratio | 9.2948% | 4,015 |
| Tier 1 risk-based capital ratio | 15.0252% | 3,236 |
| Total risk-based capital ratio | 16.2975% | 3,176 |
| Memoranda: | ||
| Average total assets | $2,077,224,400 | 337 |
| Average earning assets | $1,909,007,400 | 328 |
| Average equity | $202,811,400 | 347 |
| Average total loans | $1,325,007,800 | 351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 6,698 |
| Cost of funding earning assets | 0.9385% | 6,231 |
| Net interest margin | 3.5198% | 5,216 |
| Noninterest income to average assets | 0.6105% | 3,376 |
| Noninterest expense to average assets | 3.6924% | 1,580 |
| Loan and lease loss provision to assets | 1.7650% | 708 |
| Net operating income to assets | -1.6129% | 7,135 |
| Return on assets (ROA) | -1.3780% | 7,086 |
| Pretax return on assets | -1.3780% | 7,002 |
| Return on Equity (ROE) | -14.1513% | 7,079 |
| Retained earnings to average equity (ytd only) | -14.1513% | 7,047 |
| Net charge-offs to loans | 3.4202% | 410 |
| Credit loss provision to net charge-offs | 80.4209% | 5,119 |
| Earnings coverage of net charge-offs (x) | 0.0693% | 5,964 |
| Efficiency ratio | 94.7619% | 959 |
| Assets per employee ($millions) | 4.8150% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0246% | 806 |
| Loan loss allowance to noncurrent loans | 55.2908% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 5.0650% | 1,268 |
| Noncurrent loans to loans | 5.4703% | 1,213 |
| Net loans and leases to total assets | 61.2465% | 4,675 |
| Net loans and leases to deposits | 74.4844% | 4,432 |
| Net loans and leases to core deposits | 78.7780% | 4,703 |
| Total domestic deposits to total assets | 82.2273% | 4,902 |
| Equity capital to assets | 10.5083% | 3,504 |
| Core capital (leverage) ratio | 9.5594% | 3,817 |
| Tier 1 risk-based capital ratio | 15.5419% | 2,974 |
| Total risk-based capital ratio | 16.8141% | 2,929 |
| Memoranda: | ||
| Average total assets | $2,092,840,250 | 334 |
| Average earning assets | $1,922,901,750 | 325 |
| Average equity | $203,792,250 | 341 |
| Average total loans | $1,342,978,000 | 348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 6,768 |
| Cost of funding earning assets | 0.9752% | 6,260 |
| Net interest margin | 3.4937% | 5,271 |
| Noninterest income to average assets | 0.5216% | 3,941 |
| Noninterest expense to average assets | 3.6524% | 1,662 |
| Loan and lease loss provision to assets | 1.7776% | 694 |
| Net operating income to assets | -1.7023% | 7,219 |
| Return on assets (ROA) | -1.3742% | 7,122 |
| Pretax return on assets | -1.3742% | 7,041 |
| Return on Equity (ROE) | -14.4754% | 7,125 |
| Retained earnings to average equity (ytd only) | -14.4754% | 7,084 |
| Net charge-offs to loans | 3.4750% | 426 |
| Credit loss provision to net charge-offs | 79.3221% | 4,725 |
| Earnings coverage of net charge-offs (x) | 0.0336% | 5,679 |
| Efficiency ratio | 96.5599% | 941 |
| Assets per employee ($millions) | 4.9669% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0797% | 775 |
| Loan loss allowance to noncurrent loans | 44.2828% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 5.2595% | 1,195 |
| Noncurrent loans to loans | 6.9545% | 817 |
| Net loans and leases to total assets | 60.6239% | 4,944 |
| Net loans and leases to deposits | 73.1147% | 4,819 |
| Net loans and leases to core deposits | 77.9482% | 4,961 |
| Total domestic deposits to total assets | 82.9161% | 4,606 |
| Equity capital to assets | 10.4083% | 3,518 |
| Core capital (leverage) ratio | 9.6222% | 3,652 |
| Tier 1 risk-based capital ratio | 15.9639% | 2,691 |
| Total risk-based capital ratio | 17.2377% | 2,639 |
| Memoranda: | ||
| Average total assets | $2,119,560,000 | 329 |
| Average earning assets | $1,945,023,330 | 322 |
| Average equity | $201,223,670 | 345 |
| Average total loans | $1,366,922,670 | 347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 6,538 |
| Cost of funding earning assets | 1.0140% | 6,305 |
| Net interest margin | 3.5948% | 4,758 |
| Noninterest income to average assets | 0.1691% | 6,760 |
| Noninterest expense to average assets | 3.6751% | 1,559 |
| Loan and lease loss provision to assets | 0.3877% | 3,033 |
| Net operating income to assets | -0.6167% | 6,908 |
| Return on assets (ROA) | -0.2231% | 6,641 |
| Pretax return on assets | -0.2231% | 6,575 |
| Return on Equity (ROE) | -2.4662% | 6,688 |
| Retained earnings to average equity (ytd only) | -2.4662% | 6,285 |
| Net charge-offs to loans | 1.0143% | 1,623 |
| Credit loss provision to net charge-offs | 58.4016% | 4,332 |
| Earnings coverage of net charge-offs (x) | -0.3451% | 5,227 |
| Efficiency ratio | 104.9339% | 702 |
| Assets per employee ($millions) | 4.9603% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1752% | 710 |
| Loan loss allowance to noncurrent loans | 45.3122% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 5.4560% | 1,131 |
| Noncurrent loans to loans | 7.0074% | 847 |
| Net loans and leases to total assets | 62.9435% | 4,545 |
| Net loans and leases to deposits | 75.5648% | 4,484 |
| Net loans and leases to core deposits | 81.1852% | 4,596 |
| Total domestic deposits to total assets | 83.2974% | 4,477 |
| Equity capital to assets | 9.1739% | 5,025 |
| Core capital (leverage) ratio | 8.5629% | 5,269 |
| Tier 1 risk-based capital ratio | 13.3793% | 4,062 |
| Total risk-based capital ratio | 14.6539% | 4,005 |
| Memoranda: | ||
| Average total assets | $2,133,802,500 | 334 |
| Average earning assets | $1,945,142,000 | 326 |
| Average equity | $193,013,000 | 359 |
| Average total loans | $1,396,398,000 | 352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 6,195 |
| Cost of funding earning assets | 1.3522% | 6,135 |
| Net interest margin | 3.7168% | 4,059 |
| Noninterest income to average assets | 0.7137% | 2,876 |
| Noninterest expense to average assets | 5.7946% | 340 |
| Loan and lease loss provision to assets | 5.6495% | 137 |
| Net operating income to assets | -6.8142% | 7,884 |
| Return on assets (ROA) | -6.5868% | 7,861 |
| Pretax return on assets | -7.0925% | 7,874 |
| Return on Equity (ROE) | -69.8097% | 7,809 |
| Retained earnings to average equity (ytd only) | -69.8097% | 7,807 |
| Net charge-offs to loans | 6.9431% | 122 |
| Credit loss provision to net charge-offs | 114.5040% | 4,781 |
| Earnings coverage of net charge-offs (x) | -0.3420% | 6,574 |
| Efficiency ratio | 84.7824% | 2,260 |
| Assets per employee ($millions) | 5.2686% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1917% | 657 |
| Loan loss allowance to noncurrent loans | 46.0992% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 5.7415% | 1,001 |
| Noncurrent loans to loans | 6.9236% | 818 |
| Net loans and leases to total assets | 63.7672% | 4,641 |
| Net loans and leases to deposits | 76.6936% | 4,628 |
| Net loans and leases to core deposits | 94.8989% | 4,574 |
| Total domestic deposits to total assets | 83.1453% | 4,461 |
| Equity capital to assets | 8.9189% | 5,260 |
| Core capital (leverage) ratio | 8.4268% | 5,394 |
| Tier 1 risk-based capital ratio | 13.0462% | 4,114 |
| Total risk-based capital ratio | 14.3204% | 4,044 |
| Memoranda: | ||
| Average total assets | $2,208,468,200 | 324 |
| Average earning assets | $2,016,279,400 | 322 |
| Average equity | $208,376,400 | 340 |
| Average total loans | $1,569,359,800 | 322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 5,983 |
| Cost of funding earning assets | 1.4170% | 6,160 |
| Net interest margin | 3.7592% | 3,819 |
| Noninterest income to average assets | 0.7380% | 2,772 |
| Noninterest expense to average assets | 6.5000% | 247 |
| Loan and lease loss provision to assets | 4.9929% | 170 |
| Net operating income to assets | -6.6257% | 7,963 |
| Return on assets (ROA) | -6.4524% | 7,950 |
| Pretax return on assets | -7.1310% | 7,964 |
| Return on Equity (ROE) | -67.4928% | 7,923 |
| Retained earnings to average equity (ytd only) | -67.4928% | 7,919 |
| Net charge-offs to loans | 5.2903% | 190 |
| Credit loss provision to net charge-offs | 130.5090% | 3,836 |
| Earnings coverage of net charge-offs (x) | -0.6092% | 6,526 |
| Efficiency ratio | 82.8915% | 2,443 |
| Assets per employee ($millions) | 5.1896% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2342% | 544 |
| Loan loss allowance to noncurrent loans | 31.7148% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 8.4582% | 482 |
| Noncurrent loans to loans | 10.1977% | 383 |
| Net loans and leases to total assets | 68.3577% | 3,878 |
| Net loans and leases to deposits | 80.8903% | 4,224 |
| Net loans and leases to core deposits | 101.7393% | 4,181 |
| Total domestic deposits to total assets | 84.5067% | 3,477 |
| Equity capital to assets | 8.7435% | 5,888 |
| Core capital (leverage) ratio | 8.2600% | 5,904 |
| Tier 1 risk-based capital ratio | 11.8978% | 5,065 |
| Total risk-based capital ratio | 13.1731% | 4,981 |
| Memoranda: | ||
| Average total assets | $2,223,192,500 | 336 |
| Average earning assets | $2,029,260,500 | 333 |
| Average equity | $212,540,750 | 352 |
| Average total loans | $1,607,721,500 | 331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 6,050 |
| Cost of funding earning assets | 1.5164% | 6,071 |
| Net interest margin | 3.6917% | 3,985 |
| Noninterest income to average assets | 0.7713% | 2,586 |
| Noninterest expense to average assets | 7.9130% | 166 |
| Loan and lease loss provision to assets | 3.3647% | 431 |
| Net operating income to assets | -6.0979% | 8,006 |
| Return on assets (ROA) | -5.9631% | 7,990 |
| Pretax return on assets | -6.9834% | 8,027 |
| Return on Equity (ROE) | -60.7323% | 7,976 |
| Retained earnings to average equity (ytd only) | -60.7323% | 7,971 |
| Net charge-offs to loans | 2.8838% | 566 |
| Credit loss provision to net charge-offs | 160.1717% | 2,867 |
| Earnings coverage of net charge-offs (x) | -1.7981% | 6,333 |
| Efficiency ratio | 82.9936% | 2,608 |
| Assets per employee ($millions) | 5.0954% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7248% | 729 |
| Loan loss allowance to noncurrent loans | 34.0393% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 7.0913% | 590 |
| Noncurrent loans to loans | 8.0048% | 556 |
| Net loans and leases to total assets | 72.9362% | 2,966 |
| Net loans and leases to deposits | 88.2537% | 3,131 |
| Net loans and leases to core deposits | 110.2690% | 3,349 |
| Total domestic deposits to total assets | 82.6438% | 4,403 |
| Equity capital to assets | 9.0100% | 5,299 |
| Core capital (leverage) ratio | 8.1550% | 6,067 |
| Tier 1 risk-based capital ratio | 11.6345% | 5,257 |
| Total risk-based capital ratio | 12.9033% | 5,169 |
| Memoranda: | ||
| Average total assets | $2,251,547,670 | 338 |
| Average earning assets | $2,051,929,670 | 337 |
| Average equity | $221,071,670 | 340 |
| Average total loans | $1,640,153,670 | 333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 6,259 |
| Cost of funding earning assets | 1.6633% | 5,768 |
| Net interest margin | 3.5454% | 4,544 |
| Noninterest income to average assets | 0.8238% | 2,207 |
| Noninterest expense to average assets | 3.2970% | 2,663 |
| Loan and lease loss provision to assets | 2.0178% | 596 |
| Net operating income to assets | -0.7692% | 7,108 |
| Return on assets (ROA) | -0.7692% | 7,142 |
| Pretax return on assets | -1.2716% | 7,286 |
| Return on Equity (ROE) | -7.5472% | 7,195 |
| Retained earnings to average equity (ytd only) | -7.5472% | 6,855 |
| Net charge-offs to loans | 2.0580% | 702 |
| Credit loss provision to net charge-offs | 136.4403% | 2,973 |
| Earnings coverage of net charge-offs (x) | 0.5046% | 4,579 |
| Efficiency ratio | 80.1953% | 2,782 |
| Assets per employee ($millions) | 5.2915% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 1,462 |
| Loan loss allowance to noncurrent loans | 28.5426% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 5.4852% | 777 |
| Noncurrent loans to loans | 6.9397% | 583 |
| Net loans and leases to total assets | 69.7095% | 3,746 |
| Net loans and leases to deposits | 87.5337% | 3,374 |
| Net loans and leases to core deposits | 108.3096% | 3,638 |
| Total domestic deposits to total assets | 79.6372% | 5,493 |
| Equity capital to assets | 10.4978% | 3,467 |
| Core capital (leverage) ratio | 8.1134% | 6,267 |
| Tier 1 risk-based capital ratio | 11.3088% | 5,587 |
| Total risk-based capital ratio | 12.5683% | 5,492 |
| Memoranda: | ||
| Average total assets | $2,309,829,000 | 332 |
| Average earning assets | $2,097,468,000 | 331 |
| Average equity | $235,426,500 | 316 |
| Average total loans | $1,659,833,500 | 331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9776% | 5,656 |
| Cost of funding earning assets | 2.2271% | 5,470 |
| Net interest margin | 3.7504% | 4,223 |
| Noninterest income to average assets | 0.9264% | 1,872 |
| Noninterest expense to average assets | 3.3299% | 2,865 |
| Loan and lease loss provision to assets | 3.8075% | 181 |
| Net operating income to assets | -1.8795% | 7,579 |
| Return on assets (ROA) | -1.8693% | 7,526 |
| Pretax return on assets | -2.7705% | 7,652 |
| Return on Equity (ROE) | -17.6693% | 7,696 |
| Retained earnings to average equity (ytd only) | -20.4344% | 7,690 |
| Net charge-offs to loans | 4.4979% | 125 |
| Credit loss provision to net charge-offs | 109.2251% | 4,924 |
| Earnings coverage of net charge-offs (x) | 0.2931% | 6,058 |
| Efficiency ratio | 75.2784% | 3,363 |
| Assets per employee ($millions) | 5.1967% | 1,729 |
| Cash dividends to net income (ytd only)* | -15.6494% | 7,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 1,762 |
| Loan loss allowance to noncurrent loans | 33.0916% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 4.0580% | 1,002 |
| Noncurrent loans to loans | 5.2897% | 799 |
| Net loans and leases to total assets | 71.3285% | 3,722 |
| Net loans and leases to deposits | 89.2372% | 3,594 |
| Net loans and leases to core deposits | 110.2872% | 3,751 |
| Total domestic deposits to total assets | 79.9314% | 5,047 |
| Equity capital to assets | 9.8877% | 4,173 |
| Core capital (leverage) ratio | 7.7940% | 6,811 |
| Tier 1 risk-based capital ratio | 10.3826% | 6,332 |
| Total risk-based capital ratio | 11.6392% | 6,199 |
| Memoranda: | ||
| Average total assets | $2,327,904,000 | 314 |
| Average earning assets | $2,125,987,000 | 314 |
| Average equity | $246,280,400 | 310 |
| Average total loans | $1,804,111,600 | 301 |