Home > Southern Bank and Trust Company > Performance and Condition Ratios
Southern Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 4,137 |
| Cost of funding earning assets | 1.1231% | 3,006 |
| Net interest margin | 2.7168% | 3,800 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.0607% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7215% | 3,128 |
| Return on assets (ROA) | 1.0813% | 1,943 |
| Pretax return on assets | 1.4584% | 1,515 |
| Return on Equity (ROE) | 19.9200% | 625 |
| Retained earnings to average equity (ytd only) | 13.6074% | 441 |
| Net charge-offs to loans | -0.0146% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.3408% | 2,188 |
| Assets per employee ($millions) | 8.2472% | 1,308 |
| Cash dividends to net income (ytd only)* | 31.6876% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,017 |
| Loan loss allowance to noncurrent loans | 441.2582% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,484 |
| Noncurrent loans to loans | 0.2405% | 2,347 |
| Net loans and leases to total assets | 64.7200% | 2,400 |
| Net loans and leases to deposits | 74.1492% | 2,604 |
| Net loans and leases to core deposits | 79.7226% | 2,718 |
| Total domestic deposits to total assets | 87.2800% | 1,596 |
| Equity capital to assets | 6.1411% | 4,206 |
| Core capital (leverage) ratio | 8.8342% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7379% | 2,327 |
| Memoranda: | ||
| Average total assets | $4,669,673,000 | 288 |
| Average earning assets | $4,376,502,800 | 277 |
| Average equity | $253,486,800 | 447 |
| Average total loans | $2,976,418,400 | 301 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,122 |
| Cost of funding earning assets | 1.0601% | 2,861 |
| Net interest margin | 2.7356% | 3,831 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.0582% | 3,445 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8202% | 2,962 |
| Return on assets (ROA) | 1.2732% | 1,593 |
| Pretax return on assets | 1.5939% | 1,370 |
| Return on Equity (ROE) | 24.2700% | 417 |
| Retained earnings to average equity (ytd only) | 20.1679% | 254 |
| Net charge-offs to loans | -0.0124% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4832% | 2,220 |
| Assets per employee ($millions) | 8.0582% | 1,321 |
| Cash dividends to net income (ytd only)* | 16.9003% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 2,943 |
| Loan loss allowance to noncurrent loans | 438.9516% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,500 |
| Noncurrent loans to loans | 0.2471% | 2,353 |
| Net loans and leases to total assets | 64.7700% | 2,363 |
| Net loans and leases to deposits | 73.5834% | 2,604 |
| Net loans and leases to core deposits | 78.4729% | 2,721 |
| Total domestic deposits to total assets | 88.0200% | 1,572 |
| Equity capital to assets | 4.8580% | 4,275 |
| Core capital (leverage) ratio | 9.0186% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8449% | 2,324 |
| Memoranda: | ||
| Average total assets | $4,647,439,500 | 290 |
| Average earning assets | $4,352,742,500 | 281 |
| Average equity | $243,801,000 | 457 |
| Average total loans | $2,942,314,750 | 308 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,108 |
| Cost of funding earning assets | 0.9549% | 2,755 |
| Net interest margin | 2.7772% | 3,855 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.0899% | 3,370 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8172% | 3,032 |
| Return on assets (ROA) | 1.3927% | 1,331 |
| Pretax return on assets | 1.7279% | 1,153 |
| Return on Equity (ROE) | 25.9100% | 339 |
| Retained earnings to average equity (ytd only) | 25.9070% | 112 |
| Net charge-offs to loans | -0.0227% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7194% | 2,151 |
| Assets per employee ($millions) | 8.0355% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 2,931 |
| Loan loss allowance to noncurrent loans | 401.9959% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,296 |
| Noncurrent loans to loans | 0.2753% | 2,167 |
| Net loans and leases to total assets | 63.4300% | 2,441 |
| Net loans and leases to deposits | 72.1517% | 2,641 |
| Net loans and leases to core deposits | 76.9090% | 2,696 |
| Total domestic deposits to total assets | 87.9200% | 1,636 |
| Equity capital to assets | 5.7032% | 4,234 |
| Core capital (leverage) ratio | 8.9989% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9771% | 2,306 |
| Memoranda: | ||
| Average total assets | $4,644,048,333 | 282 |
| Average earning assets | $4,353,836,333 | 272 |
| Average equity | $249,646,333 | 441 |
| Average total loans | $2,906,492,000 | 297 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,180 |
| Cost of funding earning assets | 0.8022% | 2,727 |
| Net interest margin | 2.7749% | 3,981 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.0735% | 3,439 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8498% | 3,024 |
| Return on assets (ROA) | 1.3459% | 1,522 |
| Pretax return on assets | 1.6903% | 1,287 |
| Return on Equity (ROE) | 25.8300% | 372 |
| Retained earnings to average equity (ytd only) | 25.8266% | 165 |
| Net charge-offs to loans | -0.0134% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.4695% | 2,159 |
| Assets per employee ($millions) | 8.0264% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,969 |
| Loan loss allowance to noncurrent loans | 370.0494% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 2,202 |
| Noncurrent loans to loans | 0.3019% | 2,064 |
| Net loans and leases to total assets | 60.7900% | 2,572 |
| Net loans and leases to deposits | 68.9132% | 2,700 |
| Net loans and leases to core deposits | 71.9159% | 2,821 |
| Total domestic deposits to total assets | 88.2200% | 1,847 |
| Equity capital to assets | 5.5906% | 4,321 |
| Core capital (leverage) ratio | 8.6430% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9794% | 2,398 |
| Memoranda: | ||
| Average total assets | $4,639,788,500 | 291 |
| Average earning assets | $4,348,611,000 | 282 |
| Average equity | $241,797,000 | 463 |
| Average total loans | $2,867,587,500 | 309 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 3,640 |
| Cost of funding earning assets | 0.1952% | 3,796 |
| Net interest margin | 3.0843% | 3,213 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.0635% | 3,406 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.9772% | 2,645 |
| Return on assets (ROA) | 0.9458% | 2,728 |
| Pretax return on assets | 1.2356% | 2,324 |
| Return on Equity (ROE) | 15.7100% | 1,103 |
| Retained earnings to average equity (ytd only) | 13.6864% | 428 |
| Net charge-offs to loans | -0.0094% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.3283% | 3,148 |
| Assets per employee ($millions) | 7.9725% | 1,335 |
| Cash dividends to net income (ytd only)* | 12.8715% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,116 |
| Loan loss allowance to noncurrent loans | 658.1084% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 2,693 |
| Noncurrent loans to loans | 0.1908% | 2,526 |
| Net loans and leases to total assets | 61.3600% | 2,509 |
| Net loans and leases to deposits | 67.9566% | 2,732 |
| Net loans and leases to core deposits | 69.9254% | 2,874 |
| Total domestic deposits to total assets | 90.2900% | 1,240 |
| Equity capital to assets | 4.8243% | 4,405 |
| Core capital (leverage) ratio | 8.3950% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7510% | 2,471 |
| Memoranda: | ||
| Average total assets | $4,518,006,200 | 289 |
| Average earning assets | $4,251,275,600 | 281 |
| Average equity | $272,021,000 | 412 |
| Average total loans | $2,619,350,400 | 308 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 3,470 |
| Cost of funding earning assets | 0.0905% | 4,347 |
| Net interest margin | 3.0938% | 2,953 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.0796% | 3,268 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0738% | 2,191 |
| Return on assets (ROA) | 1.0441% | 2,270 |
| Pretax return on assets | 1.2647% | 2,159 |
| Return on Equity (ROE) | 16.5000% | 889 |
| Retained earnings to average equity (ytd only) | 15.2628% | 340 |
| Net charge-offs to loans | -0.0013% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9755% | 3,251 |
| Assets per employee ($millions) | 7.6691% | 1,506 |
| Cash dividends to net income (ytd only)* | 7.5211% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,291 |
| Loan loss allowance to noncurrent loans | 570.2964% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 2,636 |
| Noncurrent loans to loans | 0.2182% | 2,519 |
| Net loans and leases to total assets | 60.5900% | 2,438 |
| Net loans and leases to deposits | 65.7190% | 2,744 |
| Net loans and leases to core deposits | 66.7280% | 2,899 |
| Total domestic deposits to total assets | 92.1900% | 820 |
| Equity capital to assets | 4.3794% | 4,426 |
| Core capital (leverage) ratio | 8.3261% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8065% | 2,551 |
| Memoranda: | ||
| Average total assets | $4,499,472,750 | 288 |
| Average earning assets | $4,239,707,500 | 284 |
| Average equity | $284,641,250 | 401 |
| Average total loans | $2,560,852,000 | 309 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0763% | 3,360 |
| Cost of funding earning assets | 0.0517% | 4,588 |
| Net interest margin | 3.0245% | 2,811 |
| Noninterest income to average assets | 0.6283% | 1,627 |
| Noninterest expense to average assets | 2.0677% | 3,243 |
| Loan and lease loss provision to assets | 0.1525% | 622 |
| Net operating income to assets | 1.0592% | 1,939 |
| Return on assets (ROA) | 0.8531% | 2,740 |
| Pretax return on assets | 1.0185% | 2,661 |
| Return on Equity (ROE) | 12.2352% | 1,608 |
| Retained earnings to average equity (ytd only) | 12.2352% | 572 |
| Net charge-offs to loans | -0.0082% | 3,520 |
| Credit loss provision to net charge-offs | -3,333.9806% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3382% | 3,395 |
| Assets per employee ($millions) | 7.8735% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,383 |
| Loan loss allowance to noncurrent loans | 519.1402% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 2,735 |
| Noncurrent loans to loans | 0.2425% | 2,514 |
| Net loans and leases to total assets | 56.2090% | 2,732 |
| Net loans and leases to deposits | 61.8496% | 2,897 |
| Net loans and leases to core deposits | 62.9233% | 3,036 |
| Total domestic deposits to total assets | 90.8801% | 1,285 |
| Equity capital to assets | 5.5273% | 4,352 |
| Core capital (leverage) ratio | 8.1616% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9407% | 2,521 |
| Memoranda: | ||
| Average total assets | $4,503,821,000 | 289 |
| Average earning assets | $4,252,472,667 | 283 |
| Average equity | $314,029,000 | 379 |
| Average total loans | $2,497,012,000 | 311 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0264% | 3,176 |
| Cost of funding earning assets | 0.0424% | 4,649 |
| Net interest margin | 2.9840% | 2,554 |
| Noninterest income to average assets | 0.6206% | 1,605 |
| Noninterest expense to average assets | 2.0886% | 3,182 |
| Loan and lease loss provision to assets | 0.0443% | 1,564 |
| Net operating income to assets | 1.1256% | 1,454 |
| Return on assets (ROA) | 0.7020% | 3,043 |
| Pretax return on assets | 0.8199% | 3,047 |
| Return on Equity (ROE) | 9.0998% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.0998% | 1,243 |
| Net charge-offs to loans | -0.0118% | 3,651 |
| Credit loss provision to net charge-offs | -686.1111% | 3,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5997% | 3,420 |
| Assets per employee ($millions) | 7.7545% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,738 |
| Loan loss allowance to noncurrent loans | 479.3967% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,796 |
| Noncurrent loans to loans | 0.2554% | 2,565 |
| Net loans and leases to total assets | 53.4050% | 2,829 |
| Net loans and leases to deposits | 58.1257% | 3,066 |
| Net loans and leases to core deposits | 59.1723% | 3,219 |
| Total domestic deposits to total assets | 91.8786% | 626 |
| Equity capital to assets | 6.6837% | 4,349 |
| Core capital (leverage) ratio | 8.2808% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3155% | 2,474 |
| Memoranda: | ||
| Average total assets | $4,464,532,500 | 294 |
| Average earning assets | $4,226,127,000 | 286 |
| Average equity | $344,402,000 | 364 |
| Average total loans | $2,441,235,000 | 315 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 3,664 |
| Cost of funding earning assets | 0.0597% | 4,643 |
| Net interest margin | 3.0513% | 3,049 |
| Noninterest income to average assets | 0.7435% | 1,614 |
| Noninterest expense to average assets | 2.1542% | 3,220 |
| Loan and lease loss provision to assets | -0.0199% | 4,224 |
| Net operating income to assets | 1.2392% | 1,776 |
| Return on assets (ROA) | 1.4209% | 1,278 |
| Pretax return on assets | 1.7369% | 1,051 |
| Return on Equity (ROE) | 16.3691% | 697 |
| Retained earnings to average equity (ytd only) | 14.8046% | 243 |
| Net charge-offs to loans | 0.0011% | 2,635 |
| Credit loss provision to net charge-offs | -3,134.6154% | 4,115 |
| Earnings coverage of net charge-offs (x) | 2,350.3077% | 57 |
| Efficiency ratio | 58.9264% | 3,303 |
| Assets per employee ($millions) | 7.6137% | 1,549 |
| Cash dividends to net income (ytd only)* | 9.5578% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,886 |
| Loan loss allowance to noncurrent loans | 445.3578% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,884 |
| Noncurrent loans to loans | 0.2695% | 2,637 |
| Net loans and leases to total assets | 54.6441% | 2,773 |
| Net loans and leases to deposits | 61.2042% | 2,969 |
| Net loans and leases to core deposits | 62.4551% | 3,121 |
| Total domestic deposits to total assets | 89.2815% | 1,361 |
| Equity capital to assets | 8.7673% | 3,831 |
| Core capital (leverage) ratio | 8.3578% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2506% | 2,544 |
| Memoranda: | ||
| Average total assets | $4,086,628,600 | 297 |
| Average earning assets | $3,891,957,200 | 290 |
| Average equity | $354,742,000 | 353 |
| Average total loans | $2,363,103,000 | 313 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1312% | 3,742 |
| Cost of funding earning assets | 0.0652% | 4,712 |
| Net interest margin | 3.0660% | 3,137 |
| Noninterest income to average assets | 0.7762% | 1,597 |
| Noninterest expense to average assets | 2.1764% | 3,150 |
| Loan and lease loss provision to assets | -0.0498% | 4,459 |
| Net operating income to assets | 1.2457% | 2,003 |
| Return on assets (ROA) | 1.4957% | 1,328 |
| Pretax return on assets | 1.8858% | 973 |
| Return on Equity (ROE) | 17.2783% | 725 |
| Retained earnings to average equity (ytd only) | 16.4898% | 266 |
| Net charge-offs to loans | -0.0154% | 3,855 |
| Credit loss provision to net charge-offs | 554.4444% | 728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7708% | 3,159 |
| Assets per employee ($millions) | 7.3032% | 1,675 |
| Cash dividends to net income (ytd only)* | 4.5636% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,948 |
| Loan loss allowance to noncurrent loans | 329.1942% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,743 |
| Noncurrent loans to loans | 0.3673% | 2,464 |
| Net loans and leases to total assets | 55.6963% | 2,761 |
| Net loans and leases to deposits | 62.2887% | 3,012 |
| Net loans and leases to core deposits | 63.6893% | 3,168 |
| Total domestic deposits to total assets | 89.4165% | 1,058 |
| Equity capital to assets | 8.7750% | 4,020 |
| Core capital (leverage) ratio | 8.5217% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5804% | 2,517 |
| Memoranda: | ||
| Average total assets | $4,004,304,750 | 302 |
| Average earning assets | $3,813,259,750 | 295 |
| Average equity | $346,637,750 | 360 |
| Average total loans | $2,343,291,500 | 318 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1106% | 3,843 |
| Cost of funding earning assets | 0.0711% | 4,739 |
| Net interest margin | 3.0395% | 3,213 |
| Noninterest income to average assets | 0.7916% | 1,565 |
| Noninterest expense to average assets | 2.1891% | 3,128 |
| Loan and lease loss provision to assets | -0.0926% | 4,611 |
| Net operating income to assets | 1.2566% | 2,003 |
| Return on assets (ROA) | 1.6057% | 1,096 |
| Pretax return on assets | 2.0303% | 791 |
| Return on Equity (ROE) | 18.6411% | 581 |
| Retained earnings to average equity (ytd only) | 17.4283% | 252 |
| Net charge-offs to loans | -0.0080% | 3,593 |
| Credit loss provision to net charge-offs | 1,954.8387% | 299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2734% | 3,118 |
| Assets per employee ($millions) | 7.1005% | 1,726 |
| Cash dividends to net income (ytd only)* | 6.5059% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,921 |
| Loan loss allowance to noncurrent loans | 295.8472% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 2,759 |
| Noncurrent loans to loans | 0.4068% | 2,460 |
| Net loans and leases to total assets | 56.3728% | 2,858 |
| Net loans and leases to deposits | 63.3183% | 3,072 |
| Net loans and leases to core deposits | 64.7885% | 3,211 |
| Total domestic deposits to total assets | 89.0309% | 1,271 |
| Equity capital to assets | 8.9140% | 3,876 |
| Core capital (leverage) ratio | 8.5605% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5267% | 2,536 |
| Memoranda: | ||
| Average total assets | $3,924,682,000 | 304 |
| Average earning assets | $3,735,848,667 | 297 |
| Average equity | $338,070,333 | 362 |
| Average total loans | $2,326,983,667 | 323 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2537% | 3,563 |
| Cost of funding earning assets | 0.0777% | 4,758 |
| Net interest margin | 3.1759% | 2,771 |
| Noninterest income to average assets | 0.7720% | 1,658 |
| Noninterest expense to average assets | 2.2187% | 3,048 |
| Loan and lease loss provision to assets | -0.0567% | 4,662 |
| Net operating income to assets | 1.2828% | 1,881 |
| Return on assets (ROA) | 2.0079% | 607 |
| Pretax return on assets | 2.5502% | 397 |
| Return on Equity (ROE) | 23.7591% | 303 |
| Retained earnings to average equity (ytd only) | 22.5812% | 191 |
| Net charge-offs to loans | -0.0137% | 3,812 |
| Credit loss provision to net charge-offs | 684.8101% | 515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3225% | 3,259 |
| Assets per employee ($millions) | 6.8364% | 1,905 |
| Cash dividends to net income (ytd only)* | 4.9577% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,484 |
| Loan loss allowance to noncurrent loans | 391.8173% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,161 |
| Noncurrent loans to loans | 0.3293% | 2,913 |
| Net loans and leases to total assets | 57.8880% | 2,813 |
| Net loans and leases to deposits | 64.2347% | 3,103 |
| Net loans and leases to core deposits | 65.7991% | 3,261 |
| Total domestic deposits to total assets | 90.1196% | 762 |
| Equity capital to assets | 8.2115% | 4,357 |
| Core capital (leverage) ratio | 8.0968% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7991% | 2,737 |
| Memoranda: | ||
| Average total assets | $3,817,230,000 | 309 |
| Average earning assets | $3,632,596,500 | 301 |
| Average equity | $322,604,500 | 369 |
| Average total loans | $2,309,462,000 | 327 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 3,596 |
| Cost of funding earning assets | 0.2043% | 4,570 |
| Net interest margin | 3.4875% | 2,507 |
| Noninterest income to average assets | 0.8133% | 1,493 |
| Noninterest expense to average assets | 2.5454% | 2,706 |
| Loan and lease loss provision to assets | 0.2716% | 1,421 |
| Net operating income to assets | 0.9886% | 2,338 |
| Return on assets (ROA) | 1.0935% | 2,071 |
| Pretax return on assets | 1.4024% | 1,650 |
| Return on Equity (ROE) | 11.8399% | 1,369 |
| Retained earnings to average equity (ytd only) | 3.0844% | 3,308 |
| Net charge-offs to loans | 0.0184% | 2,712 |
| Credit loss provision to net charge-offs | 2,337.1795% | 394 |
| Earnings coverage of net charge-offs (x) | 132.6462% | 637 |
| Efficiency ratio | 61.9920% | 3,136 |
| Assets per employee ($millions) | 6.4867% | 1,932 |
| Cash dividends to net income (ytd only)* | 73.9489% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,405 |
| Loan loss allowance to noncurrent loans | 340.0632% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,034 |
| Noncurrent loans to loans | 0.3825% | 2,836 |
| Net loans and leases to total assets | 61.6517% | 2,651 |
| Net loans and leases to deposits | 68.9853% | 2,982 |
| Net loans and leases to core deposits | 70.7043% | 3,209 |
| Total domestic deposits to total assets | 89.3694% | 822 |
| Equity capital to assets | 8.7049% | 4,286 |
| Core capital (leverage) ratio | 7.7660% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7086% | 2,724 |
| Memoranda: | ||
| Average total assets | $3,356,348,600 | 316 |
| Average earning assets | $3,150,409,400 | 311 |
| Average equity | $309,977,400 | 356 |
| Average total loans | $2,117,441,200 | 341 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 3,686 |
| Cost of funding earning assets | 0.2334% | 4,559 |
| Net interest margin | 3.5148% | 2,544 |
| Noninterest income to average assets | 0.8174% | 1,431 |
| Noninterest expense to average assets | 2.5010% | 2,847 |
| Loan and lease loss provision to assets | 0.2485% | 1,628 |
| Net operating income to assets | 1.0925% | 2,004 |
| Return on assets (ROA) | 0.8928% | 2,850 |
| Pretax return on assets | 1.1088% | 2,714 |
| Return on Equity (ROE) | 9.5114% | 2,202 |
| Retained earnings to average equity (ytd only) | -2.2860% | 4,722 |
| Net charge-offs to loans | -0.0086% | 4,192 |
| Credit loss provision to net charge-offs | -4,545.5224% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5938% | 3,288 |
| Assets per employee ($millions) | 6.4023% | 1,910 |
| Cash dividends to net income (ytd only)* | 124.0346% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,643 |
| Loan loss allowance to noncurrent loans | 271.6644% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,995 |
| Noncurrent loans to loans | 0.4429% | 2,724 |
| Net loans and leases to total assets | 62.6517% | 2,924 |
| Net loans and leases to deposits | 72.3127% | 3,104 |
| Net loans and leases to core deposits | 74.3468% | 3,296 |
| Total domestic deposits to total assets | 86.6400% | 1,801 |
| Equity capital to assets | 8.5108% | 4,458 |
| Core capital (leverage) ratio | 7.7880% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7104% | 2,721 |
| Memoranda: | ||
| Average total assets | $3,267,843,750 | 316 |
| Average earning assets | $3,056,350,000 | 311 |
| Average equity | $306,726,250 | 354 |
| Average total loans | $2,067,387,500 | 342 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 3,661 |
| Cost of funding earning assets | 0.2712% | 4,562 |
| Net interest margin | 3.6136% | 2,442 |
| Noninterest income to average assets | 0.7602% | 1,550 |
| Noninterest expense to average assets | 2.5232% | 2,902 |
| Loan and lease loss provision to assets | 0.3587% | 1,176 |
| Net operating income to assets | 1.0024% | 2,321 |
| Return on assets (ROA) | 0.8395% | 3,016 |
| Pretax return on assets | 1.0408% | 2,898 |
| Return on Equity (ROE) | 8.6352% | 2,516 |
| Retained earnings to average equity (ytd only) | -8.0486% | 4,881 |
| Net charge-offs to loans | 0.0108% | 2,566 |
| Credit loss provision to net charge-offs | 5,278.5047% | 225 |
| Earnings coverage of net charge-offs (x) | 235.5421% | 387 |
| Efficiency ratio | 60.7888% | 3,309 |
| Assets per employee ($millions) | 6.0186% | 2,173 |
| Cash dividends to net income (ytd only)* | 193.2067% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,556 |
| Loan loss allowance to noncurrent loans | 257.4074% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,024 |
| Noncurrent loans to loans | 0.4637% | 2,751 |
| Net loans and leases to total assets | 64.5076% | 2,820 |
| Net loans and leases to deposits | 74.8012% | 2,995 |
| Net loans and leases to core deposits | 76.9409% | 3,201 |
| Total domestic deposits to total assets | 86.2388% | 1,916 |
| Equity capital to assets | 8.7463% | 4,316 |
| Core capital (leverage) ratio | 7.9791% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6117% | 2,768 |
| Memoranda: | ||
| Average total assets | $3,149,217,667 | 322 |
| Average earning assets | $2,931,306,333 | 315 |
| Average equity | $306,165,333 | 352 |
| Average total loans | $1,990,525,667 | 349 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,897 |
| Cost of funding earning assets | 0.3477% | 4,524 |
| Net interest margin | 3.6138% | 2,620 |
| Noninterest income to average assets | 0.7717% | 1,389 |
| Noninterest expense to average assets | 2.7664% | 2,526 |
| Loan and lease loss provision to assets | 0.3061% | 1,015 |
| Net operating income to assets | 1.0348% | 2,061 |
| Return on assets (ROA) | 0.1539% | 4,601 |
| Pretax return on assets | 0.1559% | 4,618 |
| Return on Equity (ROE) | 1.4966% | 4,548 |
| Retained earnings to average equity (ytd only) | -1.8551% | 4,232 |
| Net charge-offs to loans | 0.0144% | 2,088 |
| Credit loss provision to net charge-offs | 3,419.4030% | 231 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 428 |
| Efficiency ratio | 66.7359% | 2,854 |
| Assets per employee ($millions) | 5.3522% | 2,271 |
| Cash dividends to net income (ytd only)* | 223.9583% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,308 |
| Loan loss allowance to noncurrent loans | 240.9721% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,030 |
| Noncurrent loans to loans | 0.5251% | 2,686 |
| Net loans and leases to total assets | 60.2817% | 3,466 |
| Net loans and leases to deposits | 71.6254% | 3,466 |
| Net loans and leases to core deposits | 74.0088% | 3,629 |
| Total domestic deposits to total assets | 84.1625% | 2,728 |
| Equity capital to assets | 10.2904% | 3,526 |
| Core capital (leverage) ratio | 9.3618% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4434% | 2,510 |
| Memoranda: | ||
| Average total assets | $2,993,478,500 | 325 |
| Average earning assets | $2,772,153,500 | 317 |
| Average equity | $307,906,000 | 349 |
| Average total loans | $1,856,099,000 | 356 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,730 |
| Cost of funding earning assets | 0.3708% | 4,541 |
| Net interest margin | 3.8597% | 2,306 |
| Noninterest income to average assets | 0.8129% | 1,418 |
| Noninterest expense to average assets | 2.8395% | 2,476 |
| Loan and lease loss provision to assets | 0.0536% | 2,955 |
| Net operating income to assets | 1.1788% | 2,137 |
| Return on assets (ROA) | 1.3717% | 1,518 |
| Pretax return on assets | 1.7328% | 1,101 |
| Return on Equity (ROE) | 13.4406% | 1,039 |
| Retained earnings to average equity (ytd only) | 9.0593% | 694 |
| Net charge-offs to loans | 0.0086% | 3,369 |
| Credit loss provision to net charge-offs | 984.1060% | 356 |
| Earnings coverage of net charge-offs (x) | 282.9205% | 294 |
| Efficiency ratio | 64.1276% | 3,055 |
| Assets per employee ($millions) | 5.0614% | 2,503 |
| Cash dividends to net income (ytd only)* | 32.5973% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,627 |
| Loan loss allowance to noncurrent loans | 192.7229% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 2,772 |
| Noncurrent loans to loans | 0.6032% | 2,375 |
| Net loans and leases to total assets | 62.2671% | 3,368 |
| Net loans and leases to deposits | 72.6617% | 3,462 |
| Net loans and leases to core deposits | 75.2738% | 3,624 |
| Total domestic deposits to total assets | 85.6945% | 2,198 |
| Equity capital to assets | 10.2812% | 3,642 |
| Core capital (leverage) ratio | 9.6334% | 3,919 |
| Tier 1 risk-based capital ratio | 12.4567% | 4,102 |
| Total risk-based capital ratio | 13.4203% | 4,152 |
| Memoranda: | ||
| Average total assets | $2,769,921,000 | 332 |
| Average earning assets | $2,561,206,400 | 325 |
| Average equity | $282,681,800 | 365 |
| Average total loans | $1,755,433,200 | 364 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,809 |
| Cost of funding earning assets | 0.3592% | 4,630 |
| Net interest margin | 3.8905% | 2,289 |
| Noninterest income to average assets | 0.8048% | 1,401 |
| Noninterest expense to average assets | 2.8589% | 2,382 |
| Loan and lease loss provision to assets | 0.0113% | 3,666 |
| Net operating income to assets | 1.1548% | 2,345 |
| Return on assets (ROA) | 1.3391% | 1,758 |
| Pretax return on assets | 1.7636% | 1,174 |
| Return on Equity (ROE) | 13.1481% | 1,220 |
| Retained earnings to average equity (ytd only) | 7.2115% | 1,753 |
| Net charge-offs to loans | -0.0165% | 4,535 |
| Credit loss provision to net charge-offs | -107.9070% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2230% | 2,969 |
| Assets per employee ($millions) | 4.9813% | 2,584 |
| Cash dividends to net income (ytd only)* | 45.1513% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,780 |
| Loan loss allowance to noncurrent loans | 182.3566% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 2,899 |
| Noncurrent loans to loans | 0.6300% | 2,394 |
| Net loans and leases to total assets | 61.9128% | 3,504 |
| Net loans and leases to deposits | 72.0948% | 3,608 |
| Net loans and leases to core deposits | 74.6083% | 3,794 |
| Total domestic deposits to total assets | 85.8769% | 2,045 |
| Equity capital to assets | 10.2217% | 3,801 |
| Core capital (leverage) ratio | 9.6385% | 4,039 |
| Tier 1 risk-based capital ratio | 12.3740% | 4,208 |
| Total risk-based capital ratio | 13.3285% | 4,269 |
| Memoranda: | ||
| Average total assets | $2,731,025,250 | 336 |
| Average earning assets | $2,524,102,500 | 332 |
| Average equity | $278,158,000 | 370 |
| Average total loans | $1,733,528,500 | 368 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 3,839 |
| Cost of funding earning assets | 0.3409% | 4,711 |
| Net interest margin | 3.8920% | 2,261 |
| Noninterest income to average assets | 0.8028% | 1,338 |
| Noninterest expense to average assets | 2.9019% | 2,277 |
| Loan and lease loss provision to assets | -0.0401% | 5,162 |
| Net operating income to assets | 1.1277% | 2,413 |
| Return on assets (ROA) | 1.3536% | 1,627 |
| Pretax return on assets | 1.8241% | 981 |
| Return on Equity (ROE) | 13.3072% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.2515% | 1,700 |
| Net charge-offs to loans | -0.0261% | 4,635 |
| Credit loss provision to net charge-offs | 241.0714% | 1,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0929% | 2,963 |
| Assets per employee ($millions) | 4.8811% | 2,624 |
| Cash dividends to net income (ytd only)* | 45.5070% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 2,911 |
| Loan loss allowance to noncurrent loans | 202.1986% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,066 |
| Noncurrent loans to loans | 0.5582% | 2,598 |
| Net loans and leases to total assets | 62.9134% | 3,460 |
| Net loans and leases to deposits | 71.8576% | 3,699 |
| Net loans and leases to core deposits | 74.1661% | 3,881 |
| Total domestic deposits to total assets | 87.5529% | 1,314 |
| Equity capital to assets | 10.3018% | 3,694 |
| Core capital (leverage) ratio | 9.8046% | 3,822 |
| Tier 1 risk-based capital ratio | 12.4729% | 4,138 |
| Total risk-based capital ratio | 13.4173% | 4,209 |
| Memoranda: | ||
| Average total assets | $2,689,940,670 | 341 |
| Average earning assets | $2,486,120,670 | 335 |
| Average equity | $273,625,670 | 373 |
| Average total loans | $1,715,471,330 | 373 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,780 |
| Cost of funding earning assets | 0.3194% | 4,782 |
| Net interest margin | 3.9108% | 2,153 |
| Noninterest income to average assets | 0.8232% | 1,229 |
| Noninterest expense to average assets | 2.9860% | 2,032 |
| Loan and lease loss provision to assets | -0.0710% | 5,275 |
| Net operating income to assets | 1.1987% | 2,062 |
| Return on assets (ROA) | 1.4032% | 1,399 |
| Pretax return on assets | 1.7777% | 1,022 |
| Return on Equity (ROE) | 13.8863% | 992 |
| Retained earnings to average equity (ytd only) | 13.8863% | 363 |
| Net charge-offs to loans | -0.0257% | 4,592 |
| Credit loss provision to net charge-offs | 433.0275% | 660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4540% | 2,874 |
| Assets per employee ($millions) | 4.7744% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,738 |
| Loan loss allowance to noncurrent loans | 185.6834% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,965 |
| Noncurrent loans to loans | 0.6303% | 2,439 |
| Net loans and leases to total assets | 61.8635% | 3,518 |
| Net loans and leases to deposits | 70.6141% | 3,723 |
| Net loans and leases to core deposits | 71.9772% | 3,944 |
| Total domestic deposits to total assets | 87.6078% | 1,512 |
| Equity capital to assets | 10.2827% | 3,538 |
| Core capital (leverage) ratio | 9.9492% | 3,659 |
| Tier 1 risk-based capital ratio | 12.5679% | 4,121 |
| Total risk-based capital ratio | 13.5207% | 4,177 |
| Memoranda: | ||
| Average total assets | $2,658,442,500 | 347 |
| Average earning assets | $2,454,331,000 | 341 |
| Average equity | $268,638,000 | 378 |
| Average total loans | $1,697,337,500 | 378 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,315 |
| Cost of funding earning assets | 0.2033% | 4,985 |
| Net interest margin | 4.0358% | 1,864 |
| Noninterest income to average assets | 0.8665% | 1,276 |
| Noninterest expense to average assets | 2.8587% | 2,490 |
| Loan and lease loss provision to assets | 0.1085% | 2,030 |
| Net operating income to assets | 1.2964% | 1,820 |
| Return on assets (ROA) | 1.2352% | 2,020 |
| Pretax return on assets | 1.5469% | 1,635 |
| Return on Equity (ROE) | 12.2776% | 1,617 |
| Retained earnings to average equity (ytd only) | -0.5315% | 5,042 |
| Net charge-offs to loans | 0.0677% | 2,146 |
| Credit loss provision to net charge-offs | 246.3908% | 1,206 |
| Earnings coverage of net charge-offs (x) | 39.3451% | 1,333 |
| Efficiency ratio | 61.2469% | 3,656 |
| Assets per employee ($millions) | 4.6527% | 2,956 |
| Cash dividends to net income (ytd only)* | 104.3290% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,690 |
| Loan loss allowance to noncurrent loans | 172.6093% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,736 |
| Noncurrent loans to loans | 0.6810% | 2,289 |
| Net loans and leases to total assets | 64.3652% | 3,316 |
| Net loans and leases to deposits | 71.7831% | 3,686 |
| Net loans and leases to core deposits | 72.8557% | 3,928 |
| Total domestic deposits to total assets | 89.6663% | 589 |
| Equity capital to assets | 9.9228% | 3,748 |
| Core capital (leverage) ratio | 9.5864% | 4,016 |
| Tier 1 risk-based capital ratio | 12.2781% | 4,245 |
| Total risk-based capital ratio | 13.2621% | 4,314 |
| Memoranda: | ||
| Average total assets | $2,580,812,800 | 354 |
| Average earning assets | $2,381,454,000 | 347 |
| Average equity | $259,643,400 | 376 |
| Average total loans | $1,678,330,400 | 376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 3,354 |
| Cost of funding earning assets | 0.1726% | 5,130 |
| Net interest margin | 4.0178% | 1,902 |
| Noninterest income to average assets | 0.8808% | 1,252 |
| Noninterest expense to average assets | 2.8281% | 2,540 |
| Loan and lease loss provision to assets | 0.1034% | 1,938 |
| Net operating income to assets | 1.2843% | 1,916 |
| Return on assets (ROA) | 1.3995% | 1,497 |
| Pretax return on assets | 1.8049% | 1,001 |
| Return on Equity (ROE) | 13.8624% | 1,160 |
| Retained earnings to average equity (ytd only) | 3.9862% | 3,781 |
| Net charge-offs to loans | 0.0148% | 2,893 |
| Credit loss provision to net charge-offs | 1,077.2973% | 390 |
| Earnings coverage of net charge-offs (x) | 183.6274% | 469 |
| Efficiency ratio | 60.5499% | 3,735 |
| Assets per employee ($millions) | 4.6575% | 2,901 |
| Cash dividends to net income (ytd only)* | 71.2448% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,750 |
| Loan loss allowance to noncurrent loans | 165.4267% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,718 |
| Noncurrent loans to loans | 0.7125% | 2,297 |
| Net loans and leases to total assets | 65.3926% | 3,260 |
| Net loans and leases to deposits | 73.2496% | 3,658 |
| Net loans and leases to core deposits | 74.3133% | 3,927 |
| Total domestic deposits to total assets | 89.2737% | 738 |
| Equity capital to assets | 10.1256% | 3,514 |
| Core capital (leverage) ratio | 10.2143% | 3,390 |
| Tier 1 risk-based capital ratio | 12.6631% | 4,104 |
| Total risk-based capital ratio | 13.6503% | 4,145 |
| Memoranda: | ||
| Average total assets | $2,569,990,250 | 352 |
| Average earning assets | $2,372,902,500 | 347 |
| Average equity | $259,458,000 | 375 |
| Average total loans | $1,670,638,250 | 377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,356 |
| Cost of funding earning assets | 0.1554% | 5,220 |
| Net interest margin | 3.9716% | 1,956 |
| Noninterest income to average assets | 0.8729% | 1,261 |
| Noninterest expense to average assets | 2.8334% | 2,565 |
| Loan and lease loss provision to assets | 0.1068% | 1,836 |
| Net operating income to assets | 1.2503% | 1,982 |
| Return on assets (ROA) | 1.2522% | 1,972 |
| Pretax return on assets | 1.6044% | 1,487 |
| Return on Equity (ROE) | 12.4157% | 1,575 |
| Retained earnings to average equity (ytd only) | -2.4305% | 5,181 |
| Net charge-offs to loans | 0.0179% | 2,545 |
| Credit loss provision to net charge-offs | 924.3243% | 435 |
| Earnings coverage of net charge-offs (x) | 147.8986% | 523 |
| Efficiency ratio | 61.2797% | 3,727 |
| Assets per employee ($millions) | 4.6412% | 2,900 |
| Cash dividends to net income (ytd only)* | 119.5761% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,890 |
| Loan loss allowance to noncurrent loans | 164.9068% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 2,798 |
| Noncurrent loans to loans | 0.7084% | 2,341 |
| Net loans and leases to total assets | 64.9963% | 3,274 |
| Net loans and leases to deposits | 72.6648% | 3,664 |
| Net loans and leases to core deposits | 73.8603% | 3,889 |
| Total domestic deposits to total assets | 89.4467% | 760 |
| Equity capital to assets | 9.9902% | 3,631 |
| Core capital (leverage) ratio | 9.7895% | 3,800 |
| Tier 1 risk-based capital ratio | 12.3650% | 4,265 |
| Total risk-based capital ratio | 13.3427% | 4,317 |
| Memoranda: | ||
| Average total assets | $2,561,904,330 | 354 |
| Average earning assets | $2,366,951,330 | 349 |
| Average equity | $258,382,670 | 374 |
| Average total loans | $1,655,290,670 | 379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,384 |
| Cost of funding earning assets | 0.1461% | 5,288 |
| Net interest margin | 3.9128% | 1,990 |
| Noninterest income to average assets | 0.8224% | 1,385 |
| Noninterest expense to average assets | 2.8046% | 2,672 |
| Loan and lease loss provision to assets | 0.1418% | 1,327 |
| Net operating income to assets | 1.1538% | 2,197 |
| Return on assets (ROA) | 1.2275% | 1,913 |
| Pretax return on assets | 1.5835% | 1,439 |
| Return on Equity (ROE) | 12.1139% | 1,541 |
| Retained earnings to average equity (ytd only) | -15.7069% | 5,463 |
| Net charge-offs to loans | 0.0110% | 2,353 |
| Credit loss provision to net charge-offs | 2,020.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 232.4889% | 287 |
| Efficiency ratio | 62.0618% | 3,768 |
| Assets per employee ($millions) | 4.8911% | 2,622 |
| Cash dividends to net income (ytd only)* | 229.6607% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,970 |
| Loan loss allowance to noncurrent loans | 199.3284% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 3,227 |
| Noncurrent loans to loans | 0.5875% | 2,781 |
| Net loans and leases to total assets | 63.8914% | 3,325 |
| Net loans and leases to deposits | 72.4067% | 3,566 |
| Net loans and leases to core deposits | 73.6536% | 3,846 |
| Total domestic deposits to total assets | 88.2397% | 1,485 |
| Equity capital to assets | 9.8455% | 3,752 |
| Core capital (leverage) ratio | 9.6249% | 3,932 |
| Tier 1 risk-based capital ratio | 12.1203% | 4,482 |
| Total risk-based capital ratio | 13.0880% | 4,545 |
| Memoranda: | ||
| Average total assets | $2,564,205,500 | 357 |
| Average earning assets | $2,368,520,500 | 350 |
| Average equity | $259,834,500 | 377 |
| Average total loans | $1,642,037,000 | 383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 2,851 |
| Cost of funding earning assets | 0.1340% | 5,352 |
| Net interest margin | 4.0233% | 1,679 |
| Noninterest income to average assets | 0.6817% | 2,045 |
| Noninterest expense to average assets | 2.9276% | 2,365 |
| Loan and lease loss provision to assets | 0.0926% | 2,353 |
| Net operating income to assets | 1.0112% | 2,191 |
| Return on assets (ROA) | 1.1044% | 1,866 |
| Pretax return on assets | 1.5084% | 1,608 |
| Return on Equity (ROE) | 10.9372% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.9870% | 509 |
| Net charge-offs to loans | 0.0432% | 2,929 |
| Credit loss provision to net charge-offs | 337.7907% | 856 |
| Earnings coverage of net charge-offs (x) | 53.7631% | 1,037 |
| Efficiency ratio | 65.1866% | 3,407 |
| Assets per employee ($millions) | 4.7256% | 2,831 |
| Cash dividends to net income (ytd only)* | 17.8310% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,215 |
| Loan loss allowance to noncurrent loans | 215.0309% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,413 |
| Noncurrent loans to loans | 0.5236% | 2,943 |
| Net loans and leases to total assets | 62.7187% | 3,522 |
| Net loans and leases to deposits | 71.8890% | 3,711 |
| Net loans and leases to core deposits | 73.1285% | 3,960 |
| Total domestic deposits to total assets | 87.2438% | 1,879 |
| Equity capital to assets | 10.4173% | 3,244 |
| Core capital (leverage) ratio | 9.3314% | 4,248 |
| Tier 1 risk-based capital ratio | 12.2941% | 4,333 |
| Total risk-based capital ratio | 13.6544% | 4,170 |
| Memoranda: | ||
| Average total assets | $2,510,555,000 | 346 |
| Average earning assets | $2,320,836,800 | 342 |
| Average equity | $253,509,800 | 368 |
| Average total loans | $1,593,290,400 | 380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 2,731 |
| Cost of funding earning assets | 0.1282% | 5,438 |
| Net interest margin | 4.0375% | 1,577 |
| Noninterest income to average assets | 0.6218% | 2,350 |
| Noninterest expense to average assets | 2.8815% | 2,468 |
| Loan and lease loss provision to assets | 0.0958% | 2,185 |
| Net operating income to assets | 0.9036% | 3,009 |
| Return on assets (ROA) | 1.0599% | 2,319 |
| Pretax return on assets | 1.6229% | 1,342 |
| Return on Equity (ROE) | 10.5834% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.6152% | 974 |
| Net charge-offs to loans | 0.0367% | 2,703 |
| Credit loss provision to net charge-offs | 411.0092% | 752 |
| Earnings coverage of net charge-offs (x) | 63.3944% | 956 |
| Efficiency ratio | 64.7077% | 3,419 |
| Assets per employee ($millions) | 4.6682% | 2,879 |
| Cash dividends to net income (ytd only)* | 18.5974% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,452 |
| Loan loss allowance to noncurrent loans | 220.4714% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 3,542 |
| Noncurrent loans to loans | 0.5015% | 3,194 |
| Net loans and leases to total assets | 63.8015% | 3,438 |
| Net loans and leases to deposits | 73.9127% | 3,582 |
| Net loans and leases to core deposits | 75.1945% | 3,870 |
| Total domestic deposits to total assets | 86.3201% | 2,168 |
| Equity capital to assets | 10.1991% | 3,693 |
| Core capital (leverage) ratio | 9.3565% | 4,342 |
| Tier 1 risk-based capital ratio | 12.2130% | 4,489 |
| Total risk-based capital ratio | 13.5386% | 4,341 |
| Memoranda: | ||
| Average total assets | $2,493,155,750 | 349 |
| Average earning assets | $2,308,091,250 | 344 |
| Average equity | $249,692,000 | 375 |
| Average total loans | $1,582,447,000 | 377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 2,949 |
| Cost of funding earning assets | 0.1145% | 5,540 |
| Net interest margin | 3.9528% | 1,767 |
| Noninterest income to average assets | 0.4792% | 3,156 |
| Noninterest expense to average assets | 2.9276% | 2,335 |
| Loan and lease loss provision to assets | 0.0970% | 2,064 |
| Net operating income to assets | 0.7381% | 3,681 |
| Return on assets (ROA) | 0.7636% | 3,622 |
| Pretax return on assets | 1.1658% | 2,913 |
| Return on Equity (ROE) | 7.6728% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.6925% | 2,301 |
| Net charge-offs to loans | 0.0325% | 2,547 |
| Credit loss provision to net charge-offs | 472.8346% | 691 |
| Earnings coverage of net charge-offs (x) | 59.6693% | 953 |
| Efficiency ratio | 69.0168% | 2,848 |
| Assets per employee ($millions) | 4.5047% | 3,094 |
| Cash dividends to net income (ytd only)* | 25.8092% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,619 |
| Loan loss allowance to noncurrent loans | 228.4353% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 3,726 |
| Noncurrent loans to loans | 0.4789% | 3,314 |
| Net loans and leases to total assets | 64.4977% | 3,312 |
| Net loans and leases to deposits | 75.8902% | 3,358 |
| Net loans and leases to core deposits | 77.3141% | 3,652 |
| Total domestic deposits to total assets | 84.9881% | 2,817 |
| Equity capital to assets | 10.1617% | 3,721 |
| Core capital (leverage) ratio | 9.1887% | 4,508 |
| Tier 1 risk-based capital ratio | 11.8934% | 4,703 |
| Total risk-based capital ratio | 13.3172% | 4,465 |
| Memoranda: | ||
| Average total assets | $2,476,159,330 | 354 |
| Average earning assets | $2,300,600,000 | 350 |
| Average equity | $246,429,670 | 380 |
| Average total loans | $1,562,812,670 | 383 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,183 |
| Cost of funding earning assets | 0.1069% | 5,628 |
| Net interest margin | 3.8493% | 1,954 |
| Noninterest income to average assets | 0.0800% | 5,646 |
| Noninterest expense to average assets | 2.9535% | 2,289 |
| Loan and lease loss provision to assets | 0.0963% | 1,943 |
| Net operating income to assets | 0.4052% | 4,929 |
| Return on assets (ROA) | 0.4149% | 4,932 |
| Pretax return on assets | 0.6299% | 4,659 |
| Return on Equity (ROE) | 4.2137% | 4,705 |
| Retained earnings to average equity (ytd only) | 2.2227% | 4,257 |
| Net charge-offs to loans | 0.0151% | 2,500 |
| Credit loss provision to net charge-offs | 1,025.8621% | 308 |
| Earnings coverage of net charge-offs (x) | 75.7759% | 682 |
| Efficiency ratio | 78.8516% | 1,509 |
| Assets per employee ($millions) | 4.6949% | 2,855 |
| Cash dividends to net income (ytd only)* | 47.2493% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,622 |
| Loan loss allowance to noncurrent loans | 229.4188% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 3,727 |
| Noncurrent loans to loans | 0.4860% | 3,348 |
| Net loans and leases to total assets | 61.8768% | 3,553 |
| Net loans and leases to deposits | 71.2066% | 3,678 |
| Net loans and leases to core deposits | 72.6153% | 3,938 |
| Total domestic deposits to total assets | 86.8975% | 2,269 |
| Equity capital to assets | 9.8169% | 3,957 |
| Core capital (leverage) ratio | 9.0198% | 4,710 |
| Tier 1 risk-based capital ratio | 12.0441% | 4,684 |
| Total risk-based capital ratio | 13.4370% | 4,491 |
| Memoranda: | ||
| Average total assets | $2,470,932,000 | 358 |
| Average earning assets | $2,301,316,500 | 353 |
| Average equity | $243,303,000 | 382 |
| Average total loans | $1,533,446,000 | 388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 2,875 |
| Cost of funding earning assets | 0.1185% | 5,615 |
| Net interest margin | 3.9754% | 1,715 |
| Noninterest income to average assets | 0.5429% | 2,960 |
| Noninterest expense to average assets | 3.1458% | 1,908 |
| Loan and lease loss provision to assets | 0.1593% | 1,556 |
| Net operating income to assets | 0.5944% | 4,228 |
| Return on assets (ROA) | 0.5716% | 4,444 |
| Pretax return on assets | 0.8856% | 3,893 |
| Return on Equity (ROE) | 5.7094% | 4,115 |
| Retained earnings to average equity (ytd only) | -8.0918% | 5,757 |
| Net charge-offs to loans | 0.1163% | 2,097 |
| Credit loss provision to net charge-offs | 231.0049% | 1,248 |
| Earnings coverage of net charge-offs (x) | 15.6605% | 2,185 |
| Efficiency ratio | 72.8032% | 2,460 |
| Assets per employee ($millions) | 4.6586% | 2,863 |
| Cash dividends to net income (ytd only)* | 241.7270% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,659 |
| Loan loss allowance to noncurrent loans | 211.8204% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 3,686 |
| Noncurrent loans to loans | 0.5240% | 3,280 |
| Net loans and leases to total assets | 60.8194% | 3,758 |
| Net loans and leases to deposits | 70.3996% | 3,863 |
| Net loans and leases to core deposits | 71.6611% | 4,102 |
| Total domestic deposits to total assets | 86.3917% | 2,418 |
| Equity capital to assets | 9.8707% | 3,857 |
| Core capital (leverage) ratio | 8.8243% | 4,936 |
| Tier 1 risk-based capital ratio | 12.1734% | 4,598 |
| Total risk-based capital ratio | 13.6008% | 4,362 |
| Memoranda: | ||
| Average total assets | $2,366,290,400 | 353 |
| Average earning assets | $2,192,259,600 | 348 |
| Average equity | $236,905,600 | 376 |
| Average total loans | $1,403,130,600 | 393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 2,829 |
| Cost of funding earning assets | 0.1203% | 5,676 |
| Net interest margin | 3.9921% | 1,684 |
| Noninterest income to average assets | 0.5069% | 3,200 |
| Noninterest expense to average assets | 3.2982% | 1,570 |
| Loan and lease loss provision to assets | 0.0171% | 3,902 |
| Net operating income to assets | 0.5743% | 4,397 |
| Return on assets (ROA) | 0.6009% | 4,403 |
| Pretax return on assets | 0.9278% | 3,883 |
| Return on Equity (ROE) | 5.9803% | 4,073 |
| Retained earnings to average equity (ytd only) | -11.8586% | 5,864 |
| Net charge-offs to loans | 0.1441% | 1,545 |
| Credit loss provision to net charge-offs | 20.2421% | 3,298 |
| Earnings coverage of net charge-offs (x) | 10.6819% | 2,553 |
| Efficiency ratio | 76.8262% | 1,856 |
| Assets per employee ($millions) | 4.5363% | 3,024 |
| Cash dividends to net income (ytd only)* | 298.2954% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,865 |
| Loan loss allowance to noncurrent loans | 169.8361% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,846 |
| Noncurrent loans to loans | 0.5307% | 3,404 |
| Net loans and leases to total assets | 60.6763% | 3,787 |
| Net loans and leases to deposits | 70.7443% | 3,910 |
| Net loans and leases to core deposits | 72.1261% | 4,151 |
| Total domestic deposits to total assets | 85.7684% | 2,474 |
| Equity capital to assets | 10.1549% | 3,975 |
| Core capital (leverage) ratio | 9.0676% | 4,757 |
| Tier 1 risk-based capital ratio | 12.6679% | 4,359 |
| Total risk-based capital ratio | 13.8492% | 4,317 |
| Memoranda: | ||
| Average total assets | $2,342,933,000 | 355 |
| Average earning assets | $2,168,687,250 | 348 |
| Average equity | $235,434,250 | 380 |
| Average total loans | $1,375,718,750 | 397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,761 |
| Cost of funding earning assets | 0.1225% | 5,745 |
| Net interest margin | 4.0033% | 1,633 |
| Noninterest income to average assets | 0.5708% | 2,792 |
| Noninterest expense to average assets | 3.4424% | 1,286 |
| Loan and lease loss provision to assets | 0.0489% | 3,173 |
| Net operating income to assets | 0.5027% | 4,665 |
| Return on assets (ROA) | 0.5432% | 4,615 |
| Pretax return on assets | 0.8388% | 4,160 |
| Return on Equity (ROE) | 5.4258% | 4,319 |
| Retained earnings to average equity (ytd only) | -20.7911% | 5,973 |
| Net charge-offs to loans | 0.0413% | 2,637 |
| Credit loss provision to net charge-offs | 204.7101% | 1,282 |
| Earnings coverage of net charge-offs (x) | 34.5507% | 1,272 |
| Efficiency ratio | 79.0297% | 1,631 |
| Assets per employee ($millions) | 4.4189% | 3,183 |
| Cash dividends to net income (ytd only)* | 483.1873% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 4,359 |
| Loan loss allowance to noncurrent loans | 161.7625% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 3,108 |
| Noncurrent loans to loans | 0.6356% | 3,172 |
| Net loans and leases to total assets | 59.8343% | 3,905 |
| Net loans and leases to deposits | 69.7553% | 4,004 |
| Net loans and leases to core deposits | 71.2088% | 4,236 |
| Total domestic deposits to total assets | 85.7775% | 2,531 |
| Equity capital to assets | 10.1575% | 4,016 |
| Core capital (leverage) ratio | 8.9608% | 4,875 |
| Tier 1 risk-based capital ratio | 13.5643% | 3,861 |
| Total risk-based capital ratio | 14.8732% | 3,744 |
| Memoranda: | ||
| Average total assets | $2,310,402,000 | 357 |
| Average earning assets | $2,133,695,000 | 354 |
| Average equity | $231,301,000 | 381 |
| Average total loans | $1,336,195,330 | 406 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,846 |
| Cost of funding earning assets | 0.1220% | 5,803 |
| Net interest margin | 3.9773% | 1,684 |
| Noninterest income to average assets | 0.5904% | 2,590 |
| Noninterest expense to average assets | 3.6261% | 985 |
| Loan and lease loss provision to assets | -0.0078% | 5,884 |
| Net operating income to assets | 0.4321% | 4,892 |
| Return on assets (ROA) | 0.4527% | 4,908 |
| Pretax return on assets | 0.6909% | 4,552 |
| Return on Equity (ROE) | 4.5574% | 4,679 |
| Retained earnings to average equity (ytd only) | -47.2888% | 6,072 |
| Net charge-offs to loans | -0.0182% | 4,807 |
| Credit loss provision to net charge-offs | 75.8621% | 1,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2714% | 1,228 |
| Assets per employee ($millions) | 4.4379% | 3,188 |
| Cash dividends to net income (ytd only)* | 1,137.6269% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,287 |
| Loan loss allowance to noncurrent loans | 137.4859% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 2,576 |
| Noncurrent loans to loans | 0.7711% | 2,911 |
| Net loans and leases to total assets | 56.7008% | 4,178 |
| Net loans and leases to deposits | 66.0042% | 4,256 |
| Net loans and leases to core deposits | 67.4358% | 4,441 |
| Total domestic deposits to total assets | 85.9048% | 2,710 |
| Equity capital to assets | 9.9275% | 4,178 |
| Core capital (leverage) ratio | 8.7964% | 5,079 |
| Tier 1 risk-based capital ratio | 14.1411% | 3,601 |
| Total risk-based capital ratio | 15.4920% | 3,470 |
| Memoranda: | ||
| Average total assets | $2,263,672,000 | 360 |
| Average earning assets | $2,098,794,000 | 357 |
| Average equity | $224,865,000 | 387 |
| Average total loans | $1,277,654,500 | 412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 3,776 |
| Cost of funding earning assets | 0.1537% | 5,663 |
| Net interest margin | 3.7269% | 2,656 |
| Noninterest income to average assets | 0.1368% | 5,731 |
| Noninterest expense to average assets | 3.1990% | 1,973 |
| Loan and lease loss provision to assets | -0.0995% | 5,853 |
| Net operating income to assets | 0.3051% | 5,345 |
| Return on assets (ROA) | 0.3629% | 5,251 |
| Pretax return on assets | 0.5764% | 4,918 |
| Return on Equity (ROE) | 3.7943% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.9818% | 4,599 |
| Net charge-offs to loans | 0.0238% | 3,781 |
| Credit loss provision to net charge-offs | -791.9414% | 5,525 |
| Earnings coverage of net charge-offs (x) | 30.7619% | 1,431 |
| Efficiency ratio | 88.2454% | 818 |
| Assets per employee ($millions) | 4.0637% | 3,825 |
| Cash dividends to net income (ytd only)* | 47.7682% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 3,165 |
| Loan loss allowance to noncurrent loans | 115.6238% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 1,799 |
| Noncurrent loans to loans | 1.0815% | 2,176 |
| Net loans and leases to total assets | 54.7581% | 4,424 |
| Net loans and leases to deposits | 63.9748% | 4,470 |
| Net loans and leases to core deposits | 65.7007% | 4,618 |
| Total domestic deposits to total assets | 85.5933% | 2,823 |
| Equity capital to assets | 9.9407% | 4,031 |
| Core capital (leverage) ratio | 9.3186% | 4,447 |
| Tier 1 risk-based capital ratio | 16.1607% | 2,616 |
| Total risk-based capital ratio | 17.7589% | 2,433 |
| Memoranda: | ||
| Average total assets | $2,172,905,200 | 361 |
| Average earning assets | $2,010,718,800 | 353 |
| Average equity | $207,838,800 | 404 |
| Average total loans | $1,145,542,200 | 431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,894 |
| Cost of funding earning assets | 0.1602% | 5,706 |
| Net interest margin | 3.6993% | 2,771 |
| Noninterest income to average assets | 0.0817% | 6,012 |
| Noninterest expense to average assets | 3.2929% | 1,707 |
| Loan and lease loss provision to assets | -0.0935% | 5,987 |
| Net operating income to assets | 0.1871% | 5,702 |
| Return on assets (ROA) | 0.2501% | 5,652 |
| Pretax return on assets | 0.4009% | 5,462 |
| Return on Equity (ROE) | 2.6398% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.8240% | 5,372 |
| Net charge-offs to loans | 0.0232% | 3,476 |
| Credit loss provision to net charge-offs | -775.2525% | 5,450 |
| Earnings coverage of net charge-offs (x) | 17.3083% | 2,063 |
| Efficiency ratio | 93.0161% | 524 |
| Assets per employee ($millions) | 4.0390% | 3,821 |
| Cash dividends to net income (ytd only)* | 68.7867% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 3,025 |
| Loan loss allowance to noncurrent loans | 82.0377% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 1,366 |
| Noncurrent loans to loans | 1.5990% | 1,550 |
| Net loans and leases to total assets | 52.1904% | 4,737 |
| Net loans and leases to deposits | 61.1226% | 4,781 |
| Net loans and leases to core deposits | 62.8279% | 4,876 |
| Total domestic deposits to total assets | 85.3865% | 2,834 |
| Equity capital to assets | 9.3939% | 4,886 |
| Core capital (leverage) ratio | 9.2684% | 4,631 |
| Tier 1 risk-based capital ratio | 16.0282% | 2,782 |
| Total risk-based capital ratio | 17.6118% | 2,591 |
| Memoranda: | ||
| Average total assets | $2,187,856,250 | 361 |
| Average earning assets | $2,022,690,500 | 358 |
| Average equity | $207,284,500 | 407 |
| Average total loans | $1,138,990,750 | 437 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,153 |
| Cost of funding earning assets | 0.1664% | 5,730 |
| Net interest margin | 3.6085% | 3,050 |
| Noninterest income to average assets | 0.1289% | 5,906 |
| Noninterest expense to average assets | 3.3489% | 1,577 |
| Loan and lease loss provision to assets | -0.1557% | 6,142 |
| Net operating income to assets | 0.1611% | 5,789 |
| Return on assets (ROA) | 0.2376% | 5,682 |
| Pretax return on assets | 0.3821% | 5,509 |
| Return on Equity (ROE) | 2.5006% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.6858% | 5,289 |
| Net charge-offs to loans | 0.0195% | 3,297 |
| Credit loss provision to net charge-offs | -1,542.7273% | 5,448 |
| Earnings coverage of net charge-offs (x) | 10.5909% | 2,352 |
| Efficiency ratio | 95.8255% | 440 |
| Assets per employee ($millions) | 3.8741% | 4,120 |
| Cash dividends to net income (ytd only)* | 72.5763% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,079 |
| Loan loss allowance to noncurrent loans | 65.3090% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 1,089 |
| Noncurrent loans to loans | 2.0362% | 1,186 |
| Net loans and leases to total assets | 52.2622% | 4,732 |
| Net loans and leases to deposits | 60.6935% | 4,792 |
| Net loans and leases to core deposits | 62.6263% | 4,896 |
| Total domestic deposits to total assets | 86.1084% | 2,638 |
| Equity capital to assets | 9.5068% | 4,642 |
| Core capital (leverage) ratio | 9.4189% | 4,392 |
| Tier 1 risk-based capital ratio | 16.0610% | 2,826 |
| Total risk-based capital ratio | 17.7403% | 2,571 |
| Memoranda: | ||
| Average total assets | $2,179,346,330 | 361 |
| Average earning assets | $2,009,234,330 | 358 |
| Average equity | $207,071,330 | 408 |
| Average total loans | $1,128,477,670 | 441 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,892 |
| Cost of funding earning assets | 0.1696% | 5,772 |
| Net interest margin | 3.6604% | 2,774 |
| Noninterest income to average assets | 0.2298% | 5,313 |
| Noninterest expense to average assets | 3.3607% | 1,577 |
| Loan and lease loss provision to assets | 0.0291% | 3,300 |
| Net operating income to assets | 0.1438% | 5,804 |
| Return on assets (ROA) | 0.2848% | 5,558 |
| Pretax return on assets | 0.4291% | 5,365 |
| Return on Equity (ROE) | 2.9978% | 5,377 |
| Retained earnings to average equity (ytd only) | 1.1876% | 5,013 |
| Net charge-offs to loans | 0.1059% | 1,680 |
| Credit loss provision to net charge-offs | 53.7162% | 2,068 |
| Earnings coverage of net charge-offs (x) | 4.5135% | 2,483 |
| Efficiency ratio | 92.1678% | 704 |
| Assets per employee ($millions) | 4.0661% | 3,835 |
| Cash dividends to net income (ytd only)* | 60.3859% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 2,334 |
| Loan loss allowance to noncurrent loans | 36.5347% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.1332% | 581 |
| Noncurrent loans to loans | 4.1842% | 395 |
| Net loans and leases to total assets | 49.9148% | 4,862 |
| Net loans and leases to deposits | 57.9589% | 4,920 |
| Net loans and leases to core deposits | 59.8314% | 5,000 |
| Total domestic deposits to total assets | 86.1209% | 2,875 |
| Equity capital to assets | 9.5325% | 4,709 |
| Core capital (leverage) ratio | 9.2033% | 4,706 |
| Tier 1 risk-based capital ratio | 16.6400% | 2,615 |
| Total risk-based capital ratio | 18.3509% | 2,398 |
| Memoranda: | ||
| Average total assets | $2,184,280,500 | 360 |
| Average earning assets | $2,014,305,500 | 355 |
| Average equity | $207,483,000 | 405 |
| Average total loans | $1,118,167,000 | 442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,838 |
| Cost of funding earning assets | 0.2016% | 5,728 |
| Net interest margin | 4.3053% | 1,052 |
| Noninterest income to average assets | 0.3370% | 4,698 |
| Noninterest expense to average assets | 3.5562% | 1,377 |
| Loan and lease loss provision to assets | 0.2368% | 1,006 |
| Net operating income to assets | 0.3134% | 5,486 |
| Return on assets (ROA) | 0.3134% | 5,556 |
| Pretax return on assets | 0.4758% | 5,310 |
| Return on Equity (ROE) | 3.2742% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.4725% | 5,104 |
| Net charge-offs to loans | 0.3292% | 1,338 |
| Credit loss provision to net charge-offs | 134.5322% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.0487% | 3,748 |
| Efficiency ratio | 82.3016% | 1,629 |
| Assets per employee ($millions) | 4.0464% | 3,842 |
| Cash dividends to net income (ytd only)* | 55.0271% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 2,405 |
| Loan loss allowance to noncurrent loans | 30.9453% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 3.5856% | 512 |
| Noncurrent loans to loans | 4.8977% | 308 |
| Net loans and leases to total assets | 50.9114% | 4,880 |
| Net loans and leases to deposits | 59.1068% | 4,973 |
| Net loans and leases to core deposits | 61.0468% | 5,064 |
| Total domestic deposits to total assets | 86.1346% | 2,762 |
| Equity capital to assets | 9.4653% | 4,760 |
| Core capital (leverage) ratio | 8.9972% | 5,010 |
| Tier 1 risk-based capital ratio | 15.9397% | 2,992 |
| Total risk-based capital ratio | 17.6180% | 2,722 |
| Memoranda: | ||
| Average total assets | $2,179,980,800 | 342 |
| Average earning assets | $1,990,874,200 | 339 |
| Average equity | $208,693,200 | 390 |
| Average total loans | $1,165,709,200 | 405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,442 |
| Cost of funding earning assets | 0.2079% | 5,762 |
| Net interest margin | 4.4386% | 836 |
| Noninterest income to average assets | 0.2214% | 5,605 |
| Noninterest expense to average assets | 3.5380% | 1,396 |
| Loan and lease loss provision to assets | 0.2504% | 862 |
| Net operating income to assets | 0.3196% | 5,528 |
| Return on assets (ROA) | 0.3196% | 5,603 |
| Pretax return on assets | 0.4828% | 5,370 |
| Return on Equity (ROE) | 3.3292% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.5330% | 5,277 |
| Net charge-offs to loans | 0.3190% | 1,248 |
| Credit loss provision to net charge-offs | 145.5548% | 1,624 |
| Earnings coverage of net charge-offs (x) | 4.2624% | 3,497 |
| Efficiency ratio | 81.7976% | 1,645 |
| Assets per employee ($millions) | 4.0159% | 3,843 |
| Cash dividends to net income (ytd only)* | 53.9521% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,847 |
| Loan loss allowance to noncurrent loans | 23.2978% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 4.5672% | 396 |
| Noncurrent loans to loans | 6.3151% | 207 |
| Net loans and leases to total assets | 52.9276% | 4,707 |
| Net loans and leases to deposits | 61.7934% | 4,760 |
| Net loans and leases to core deposits | 63.9283% | 4,882 |
| Total domestic deposits to total assets | 85.6526% | 3,039 |
| Equity capital to assets | 9.7436% | 4,491 |
| Core capital (leverage) ratio | 9.1470% | 4,859 |
| Tier 1 risk-based capital ratio | 16.3999% | 2,852 |
| Total risk-based capital ratio | 17.9997% | 2,656 |
| Memoranda: | ||
| Average total assets | $2,179,722,750 | 339 |
| Average earning assets | $1,988,745,750 | 336 |
| Average equity | $209,256,750 | 386 |
| Average total loans | $1,175,268,250 | 396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,355 |
| Cost of funding earning assets | 0.2164% | 5,783 |
| Net interest margin | 4.4508% | 779 |
| Noninterest income to average assets | -0.1187% | 6,607 |
| Noninterest expense to average assets | 3.4127% | 1,652 |
| Loan and lease loss provision to assets | 0.0947% | 2,446 |
| Net operating income to assets | 0.2881% | 5,612 |
| Return on assets (ROA) | 0.2881% | 5,680 |
| Pretax return on assets | 0.4349% | 5,465 |
| Return on Equity (ROE) | 3.0158% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.2184% | 5,265 |
| Net charge-offs to loans | 0.2293% | 1,663 |
| Credit loss provision to net charge-offs | 76.5140% | 2,369 |
| Earnings coverage of net charge-offs (x) | 4.2784% | 3,140 |
| Efficiency ratio | 85.3846% | 1,335 |
| Assets per employee ($millions) | 3.8960% | 4,065 |
| Cash dividends to net income (ytd only)* | 59.6001% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 3,818 |
| Loan loss allowance to noncurrent loans | 19.0722% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 5.1145% | 342 |
| Noncurrent loans to loans | 6.8541% | 183 |
| Net loans and leases to total assets | 54.6198% | 4,462 |
| Net loans and leases to deposits | 63.5368% | 4,543 |
| Net loans and leases to core deposits | 65.8140% | 4,659 |
| Total domestic deposits to total assets | 85.9656% | 3,059 |
| Equity capital to assets | 9.8988% | 4,249 |
| Core capital (leverage) ratio | 8.9902% | 5,033 |
| Tier 1 risk-based capital ratio | 16.3507% | 2,904 |
| Total risk-based capital ratio | 18.0301% | 2,684 |
| Memoranda: | ||
| Average total assets | $2,187,451,670 | 334 |
| Average earning assets | $1,995,911,330 | 332 |
| Average equity | $208,967,670 | 384 |
| Average total loans | $1,180,875,330 | 387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,174 |
| Cost of funding earning assets | 0.2274% | 5,776 |
| Net interest margin | 4.5099% | 646 |
| Noninterest income to average assets | -0.1854% | 6,682 |
| Noninterest expense to average assets | 3.3770% | 1,761 |
| Loan and lease loss provision to assets | 0.1194% | 1,996 |
| Net operating income to assets | 0.2763% | 5,580 |
| Return on assets (ROA) | 0.2763% | 5,625 |
| Pretax return on assets | 0.4245% | 5,370 |
| Return on Equity (ROE) | 2.9435% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.1358% | 5,150 |
| Net charge-offs to loans | 0.4076% | 889 |
| Credit loss provision to net charge-offs | 54.9460% | 2,158 |
| Earnings coverage of net charge-offs (x) | 2.5021% | 2,864 |
| Efficiency ratio | 84.9440% | 1,554 |
| Assets per employee ($millions) | 3.9926% | 3,963 |
| Cash dividends to net income (ytd only)* | 61.4127% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,090 |
| Loan loss allowance to noncurrent loans | 16.3238% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 5.4959% | 346 |
| Noncurrent loans to loans | 8.0056% | 166 |
| Net loans and leases to total assets | 52.1580% | 4,652 |
| Net loans and leases to deposits | 60.2995% | 4,731 |
| Net loans and leases to core deposits | 62.4580% | 4,833 |
| Total domestic deposits to total assets | 86.4982% | 3,105 |
| Equity capital to assets | 9.4837% | 4,522 |
| Core capital (leverage) ratio | 8.7373% | 5,339 |
| Tier 1 risk-based capital ratio | 16.4527% | 2,917 |
| Total risk-based capital ratio | 18.1179% | 2,706 |
| Memoranda: | ||
| Average total assets | $2,213,676,000 | 332 |
| Average earning assets | $2,015,579,000 | 328 |
| Average equity | $207,782,000 | 382 |
| Average total loans | $1,180,522,500 | 387 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 864 |
| Cost of funding earning assets | 0.3886% | 4,765 |
| Net interest margin | 4.6447% | 554 |
| Noninterest income to average assets | -0.3078% | 6,777 |
| Noninterest expense to average assets | 3.4984% | 1,654 |
| Loan and lease loss provision to assets | -0.0995% | 6,482 |
| Net operating income to assets | 0.2583% | 5,663 |
| Return on assets (ROA) | 0.3287% | 5,526 |
| Pretax return on assets | 0.5075% | 5,186 |
| Return on Equity (ROE) | 3.7592% | 5,212 |
| Retained earnings to average equity (ytd only) | 0.7495% | 5,500 |
| Net charge-offs to loans | 0.3648% | 1,857 |
| Credit loss provision to net charge-offs | -49.4364% | 5,797 |
| Earnings coverage of net charge-offs (x) | 1.4876% | 4,557 |
| Efficiency ratio | 91.1609% | 938 |
| Assets per employee ($millions) | 3.9423% | 3,982 |
| Cash dividends to net income (ytd only)* | 80.0633% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,052 |
| Loan loss allowance to noncurrent loans | 15.6702% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 5.6950% | 351 |
| Noncurrent loans to loans | 8.4085% | 174 |
| Net loans and leases to total assets | 53.0954% | 4,710 |
| Net loans and leases to deposits | 62.1285% | 4,709 |
| Net loans and leases to core deposits | 64.3772% | 4,835 |
| Total domestic deposits to total assets | 85.4606% | 3,522 |
| Equity capital to assets | 9.2898% | 4,699 |
| Core capital (leverage) ratio | 8.4994% | 5,674 |
| Tier 1 risk-based capital ratio | 16.4617% | 2,872 |
| Total risk-based capital ratio | 18.0861% | 2,646 |
| Memoranda: | ||
| Average total assets | $2,114,699,800 | 339 |
| Average earning assets | $1,869,306,600 | 341 |
| Average equity | $184,934,200 | 416 |
| Average total loans | $1,167,091,000 | 381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 852 |
| Cost of funding earning assets | 0.4328% | 4,478 |
| Net interest margin | 4.6150% | 603 |
| Noninterest income to average assets | 0.0347% | 6,668 |
| Noninterest expense to average assets | 3.4195% | 1,776 |
| Loan and lease loss provision to assets | 0.0185% | 4,644 |
| Net operating income to assets | 0.4041% | 5,231 |
| Return on assets (ROA) | 0.4979% | 4,969 |
| Pretax return on assets | 0.7853% | 4,351 |
| Return on Equity (ROE) | 5.7891% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.7605% | 4,670 |
| Net charge-offs to loans | 0.5179% | 1,245 |
| Credit loss provision to net charge-offs | 6.4373% | 4,263 |
| Earnings coverage of net charge-offs (x) | 2.2848% | 4,082 |
| Efficiency ratio | 83.0869% | 1,700 |
| Assets per employee ($millions) | 3.8418% | 4,146 |
| Cash dividends to net income (ytd only)* | 52.3156% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 3,662 |
| Loan loss allowance to noncurrent loans | 13.7216% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 7.0199% | 289 |
| Noncurrent loans to loans | 10.6028% | 112 |
| Net loans and leases to total assets | 53.5237% | 4,687 |
| Net loans and leases to deposits | 62.9196% | 4,640 |
| Net loans and leases to core deposits | 66.2128% | 4,692 |
| Total domestic deposits to total assets | 85.0668% | 3,717 |
| Equity capital to assets | 8.8564% | 5,351 |
| Core capital (leverage) ratio | 8.5221% | 5,748 |
| Tier 1 risk-based capital ratio | 16.3189% | 3,024 |
| Total risk-based capital ratio | 17.7349% | 2,910 |
| Memoranda: | ||
| Average total assets | $2,087,513,000 | 340 |
| Average earning assets | $1,828,418,250 | 352 |
| Average equity | $179,529,500 | 429 |
| Average total loans | $1,159,786,000 | 383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,274 |
| Cost of funding earning assets | 0.4780% | 4,121 |
| Net interest margin | 4.3491% | 938 |
| Noninterest income to average assets | 0.1149% | 6,478 |
| Noninterest expense to average assets | 3.2194% | 2,301 |
| Loan and lease loss provision to assets | -0.0286% | 6,612 |
| Net operating income to assets | 0.5086% | 4,769 |
| Return on assets (ROA) | 0.5092% | 4,926 |
| Pretax return on assets | 0.6887% | 4,718 |
| Return on Equity (ROE) | 5.9875% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.3171% | 4,812 |
| Net charge-offs to loans | 0.7206% | 903 |
| Credit loss provision to net charge-offs | -7.0853% | 5,443 |
| Earnings coverage of net charge-offs (x) | 1.6333% | 3,979 |
| Efficiency ratio | 82.3989% | 1,835 |
| Assets per employee ($millions) | 4.0733% | 3,641 |
| Cash dividends to net income (ytd only)* | 61.3016% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 3,234 |
| Loan loss allowance to noncurrent loans | 11.1046% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 8.6246% | 211 |
| Noncurrent loans to loans | 14.2049% | 62 |
| Net loans and leases to total assets | 54.6861% | 4,496 |
| Net loans and leases to deposits | 63.9180% | 4,520 |
| Net loans and leases to core deposits | 67.2179% | 4,570 |
| Total domestic deposits to total assets | 85.5567% | 3,609 |
| Equity capital to assets | 8.4945% | 5,773 |
| Core capital (leverage) ratio | 8.2694% | 5,926 |
| Tier 1 risk-based capital ratio | 16.3350% | 3,019 |
| Total risk-based capital ratio | 17.9252% | 2,824 |
| Memoranda: | ||
| Average total assets | $2,027,803,670 | 353 |
| Average earning assets | $1,754,934,000 | 359 |
| Average equity | $172,458,670 | 439 |
| Average total loans | $1,136,014,330 | 390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 799 |
| Cost of funding earning assets | 0.4992% | 4,100 |
| Net interest margin | 4.5652% | 596 |
| Noninterest income to average assets | -0.0920% | 6,917 |
| Noninterest expense to average assets | 3.1342% | 2,564 |
| Loan and lease loss provision to assets | -0.0512% | 6,793 |
| Net operating income to assets | 0.5686% | 4,367 |
| Return on assets (ROA) | 0.5698% | 4,512 |
| Pretax return on assets | 0.7629% | 4,317 |
| Return on Equity (ROE) | 6.6958% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.6577% | 3,440 |
| Net charge-offs to loans | 0.6055% | 1,007 |
| Credit loss provision to net charge-offs | -15.0463% | 4,974 |
| Earnings coverage of net charge-offs (x) | 2.0851% | 3,135 |
| Efficiency ratio | 80.9075% | 2,194 |
| Assets per employee ($millions) | 4.1095% | 3,725 |
| Cash dividends to net income (ytd only)* | 30.4393% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 2,659 |
| Loan loss allowance to noncurrent loans | 11.0381% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 9.7205% | 209 |
| Noncurrent loans to loans | 16.1963% | 56 |
| Net loans and leases to total assets | 53.9488% | 4,427 |
| Net loans and leases to deposits | 63.3857% | 4,379 |
| Net loans and leases to core deposits | 66.4411% | 4,477 |
| Total domestic deposits to total assets | 85.1120% | 3,983 |
| Equity capital to assets | 8.4843% | 6,033 |
| Core capital (leverage) ratio | 9.2852% | 4,426 |
| Tier 1 risk-based capital ratio | 16.4977% | 3,001 |
| Total risk-based capital ratio | 18.0750% | 2,812 |
| Memoranda: | ||
| Average total assets | $2,029,491,500 | 355 |
| Average earning assets | $1,749,936,500 | 366 |
| Average equity | $172,705,000 | 443 |
| Average total loans | $1,141,610,000 | 392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,172 |
| Cost of funding earning assets | 0.5977% | 4,380 |
| Net interest margin | 4.5716% | 821 |
| Noninterest income to average assets | 0.6490% | 2,993 |
| Noninterest expense to average assets | 3.0758% | 2,997 |
| Loan and lease loss provision to assets | 0.4599% | 1,368 |
| Net operating income to assets | 0.7011% | 3,734 |
| Return on assets (ROA) | 0.7502% | 3,755 |
| Pretax return on assets | 1.0773% | 3,244 |
| Return on Equity (ROE) | 8.1433% | 3,022 |
| Retained earnings to average equity (ytd only) | -2.2502% | 6,192 |
| Net charge-offs to loans | 0.1490% | 4,199 |
| Credit loss provision to net charge-offs | 525.7224% | 460 |
| Earnings coverage of net charge-offs (x) | 16.7711% | 1,558 |
| Efficiency ratio | 67.3558% | 4,260 |
| Assets per employee ($millions) | 4.0328% | 3,884 |
| Cash dividends to net income (ytd only)* | 127.6324% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,261 |
| Loan loss allowance to noncurrent loans | 11.4952% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 10.2904% | 209 |
| Noncurrent loans to loans | 16.6393% | 60 |
| Net loans and leases to total assets | 56.4973% | 4,207 |
| Net loans and leases to deposits | 66.4235% | 4,227 |
| Net loans and leases to core deposits | 69.8214% | 4,338 |
| Total domestic deposits to total assets | 85.0562% | 3,838 |
| Equity capital to assets | 8.5358% | 6,020 |
| Core capital (leverage) ratio | 8.2295% | 5,962 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,843 |
| Total risk-based capital ratio | 18.1364% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,017,792,000 | 352 |
| Average earning assets | $1,718,628,000 | 363 |
| Average equity | $185,894,600 | 396 |
| Average total loans | $1,184,350,000 | 368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 1,224 |
| Cost of funding earning assets | 0.6214% | 4,442 |
| Net interest margin | 4.5651% | 875 |
| Noninterest income to average assets | 1.2666% | 922 |
| Noninterest expense to average assets | 2.9413% | 3,441 |
| Loan and lease loss provision to assets | 0.7855% | 609 |
| Net operating income to assets | 0.9361% | 2,812 |
| Return on assets (ROA) | 0.9967% | 2,748 |
| Pretax return on assets | 1.5168% | 1,815 |
| Return on Equity (ROE) | 10.6250% | 2,088 |
| Retained earnings to average equity (ytd only) | 8.8042% | 1,299 |
| Net charge-offs to loans | 0.1597% | 3,837 |
| Credit loss provision to net charge-offs | 834.0575% | 335 |
| Earnings coverage of net charge-offs (x) | 23.4695% | 1,315 |
| Efficiency ratio | 56.7567% | 5,953 |
| Assets per employee ($millions) | 4.1256% | 3,636 |
| Cash dividends to net income (ytd only)* | 17.1368% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 1,860 |
| Loan loss allowance to noncurrent loans | 12.9825% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 10.5053% | 214 |
| Noncurrent loans to loans | 16.3540% | 81 |
| Net loans and leases to total assets | 56.6303% | 4,360 |
| Net loans and leases to deposits | 67.2283% | 4,305 |
| Net loans and leases to core deposits | 70.7021% | 4,410 |
| Total domestic deposits to total assets | 84.2358% | 4,114 |
| Equity capital to assets | 9.3259% | 5,438 |
| Core capital (leverage) ratio | 9.3091% | 4,571 |
| Tier 1 risk-based capital ratio | 18.2725% | 2,245 |
| Total risk-based capital ratio | 19.8208% | 2,104 |
| Memoranda: | ||
| Average total assets | $2,020,154,000 | 354 |
| Average earning assets | $1,719,228,750 | 364 |
| Average equity | $189,511,250 | 389 |
| Average total loans | $1,191,241,000 | 369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 1,297 |
| Cost of funding earning assets | 0.7917% | 3,258 |
| Net interest margin | 4.3941% | 1,215 |
| Noninterest income to average assets | 1.8497% | 450 |
| Noninterest expense to average assets | 2.8671% | 3,755 |
| Loan and lease loss provision to assets | 1.1808% | 355 |
| Net operating income to assets | 0.9651% | 2,603 |
| Return on assets (ROA) | 1.0509% | 2,476 |
| Pretax return on assets | 1.6649% | 1,356 |
| Return on Equity (ROE) | 11.1799% | 1,927 |
| Retained earnings to average equity (ytd only) | 9.3574% | 1,156 |
| Net charge-offs to loans | 0.2021% | 3,369 |
| Credit loss provision to net charge-offs | 984.5899% | 339 |
| Earnings coverage of net charge-offs (x) | 22.6106% | 1,290 |
| Efficiency ratio | 51.0312% | 6,579 |
| Assets per employee ($millions) | 3.9974% | 3,887 |
| Cash dividends to net income (ytd only)* | 16.3011% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 1,948 |
| Loan loss allowance to noncurrent loans | 14.5568% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 9.7983% | 271 |
| Noncurrent loans to loans | 14.5669% | 107 |
| Net loans and leases to total assets | 58.5202% | 4,079 |
| Net loans and leases to deposits | 69.4889% | 3,969 |
| Net loans and leases to core deposits | 73.0659% | 4,159 |
| Total domestic deposits to total assets | 84.2152% | 4,227 |
| Equity capital to assets | 9.6709% | 4,796 |
| Core capital (leverage) ratio | 9.3296% | 4,413 |
| Tier 1 risk-based capital ratio | 18.7088% | 2,065 |
| Total risk-based capital ratio | 20.6690% | 1,840 |
| Memoranda: | ||
| Average total assets | $2,012,808,330 | 355 |
| Average earning assets | $1,708,247,670 | 366 |
| Average equity | $189,197,330 | 388 |
| Average total loans | $1,194,459,330 | 369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 1,472 |
| Cost of funding earning assets | 0.8672% | 2,940 |
| Net interest margin | 4.2704% | 1,563 |
| Noninterest income to average assets | 1.4976% | 641 |
| Noninterest expense to average assets | 2.8922% | 3,652 |
| Loan and lease loss provision to assets | 0.2720% | 2,281 |
| Net operating income to assets | 1.3658% | 1,289 |
| Return on assets (ROA) | 1.3669% | 1,439 |
| Pretax return on assets | 1.9485% | 808 |
| Return on Equity (ROE) | 14.7516% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.9090% | 694 |
| Net charge-offs to loans | -0.1643% | 6,943 |
| Credit loss provision to net charge-offs | -280.0407% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0286% | 6,116 |
| Assets per employee ($millions) | 4.0316% | 3,943 |
| Cash dividends to net income (ytd only)* | 12.4910% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 4,608 |
| Loan loss allowance to noncurrent loans | 9.9015% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 9.2816% | 361 |
| Noncurrent loans to loans | 14.1550% | 141 |
| Net loans and leases to total assets | 57.7378% | 4,077 |
| Net loans and leases to deposits | 68.5779% | 3,954 |
| Net loans and leases to core deposits | 72.0978% | 4,142 |
| Total domestic deposits to total assets | 84.1929% | 4,403 |
| Equity capital to assets | 9.5199% | 4,774 |
| Core capital (leverage) ratio | 8.7373% | 5,237 |
| Tier 1 risk-based capital ratio | 18.3052% | 2,204 |
| Total risk-based capital ratio | 20.3239% | 1,935 |
| Memoranda: | ||
| Average total assets | $2,021,849,000 | 352 |
| Average earning assets | $1,710,859,500 | 363 |
| Average equity | $187,342,000 | 384 |
| Average total loans | $1,195,385,500 | 365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 6,448 |
| Cost of funding earning assets | 0.6944% | 5,575 |
| Net interest margin | 3.3072% | 5,790 |
| Noninterest income to average assets | 3.9482% | 158 |
| Noninterest expense to average assets | 3.0782% | 3,277 |
| Loan and lease loss provision to assets | 0.4617% | 2,300 |
| Net operating income to assets | 2.0025% | 309 |
| Return on assets (ROA) | 1.9895% | 333 |
| Pretax return on assets | 3.3297% | 99 |
| Return on Equity (ROE) | 21.6267% | 197 |
| Retained earnings to average equity (ytd only) | 19.6307% | 53 |
| Net charge-offs to loans | 0.4389% | 3,244 |
| Credit loss provision to net charge-offs | 182.6172% | 1,412 |
| Earnings coverage of net charge-offs (x) | 15.0774% | 1,417 |
| Efficiency ratio | 44.3559% | 7,111 |
| Assets per employee ($millions) | 3.9229% | 4,027 |
| Cash dividends to net income (ytd only)* | 9.2294% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,376 |
| Loan loss allowance to noncurrent loans | 11.9575% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 7.0967% | 642 |
| Noncurrent loans to loans | 10.0568% | 313 |
| Net loans and leases to total assets | 58.9627% | 4,200 |
| Net loans and leases to deposits | 72.3898% | 3,746 |
| Net loans and leases to core deposits | 76.3526% | 3,931 |
| Total domestic deposits to total assets | 81.4517% | 5,311 |
| Equity capital to assets | 9.0154% | 5,537 |
| Core capital (leverage) ratio | 8.3344% | 5,805 |
| Tier 1 risk-based capital ratio | 17.5274% | 2,372 |
| Total risk-based capital ratio | 19.5047% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,620,189,800 | 406 |
| Average earning assets | $1,441,104,200 | 414 |
| Average equity | $149,047,000 | 472 |
| Average total loans | $933,291,400 | 450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 7,035 |
| Cost of funding earning assets | 0.6120% | 6,235 |
| Net interest margin | 2.9773% | 6,623 |
| Noninterest income to average assets | 5.7840% | 109 |
| Noninterest expense to average assets | 2.8850% | 3,994 |
| Loan and lease loss provision to assets | 0.3122% | 3,028 |
| Net operating income to assets | 3.2388% | 81 |
| Return on assets (ROA) | 3.2429% | 81 |
| Pretax return on assets | 5.2856% | 59 |
| Return on Equity (ROE) | 35.0158% | 30 |
| Retained earnings to average equity (ytd only) | 33.0484% | 20 |
| Net charge-offs to loans | 0.1856% | 4,314 |
| Credit loss provision to net charge-offs | 295.5870% | 969 |
| Earnings coverage of net charge-offs (x) | 52.9460% | 612 |
| Efficiency ratio | 33.7680% | 7,333 |
| Assets per employee ($millions) | 5.0841% | 2,086 |
| Cash dividends to net income (ytd only)* | 5.6185% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 5,999 |
| Loan loss allowance to noncurrent loans | 16.5547% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 4.6772% | 1,266 |
| Noncurrent loans to loans | 6.4479% | 824 |
| Net loans and leases to total assets | 61.5687% | 3,823 |
| Net loans and leases to deposits | 75.5552% | 3,398 |
| Net loans and leases to core deposits | 78.9976% | 3,776 |
| Total domestic deposits to total assets | 81.4883% | 5,258 |
| Equity capital to assets | 9.2780% | 5,411 |
| Core capital (leverage) ratio | 12.7810% | 1,310 |
| Tier 1 risk-based capital ratio | 12.0024% | 5,893 |
| Total risk-based capital ratio | 12.3849% | 6,449 |
| Memoranda: | ||
| Average total assets | $1,516,241,250 | 440 |
| Average earning assets | $1,371,220,250 | 440 |
| Average equity | $140,420,750 | 502 |
| Average total loans | $862,843,250 | 487 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 6,914 |
| Cost of funding earning assets | 0.6757% | 6,098 |
| Net interest margin | 3.1265% | 6,351 |
| Noninterest income to average assets | 1.0370% | 1,230 |
| Noninterest expense to average assets | 3.1897% | 2,940 |
| Loan and lease loss provision to assets | 0.2238% | 3,681 |
| Net operating income to assets | 0.3840% | 5,025 |
| Return on assets (ROA) | 0.3930% | 5,124 |
| Pretax return on assets | 0.5467% | 4,915 |
| Return on Equity (ROE) | 4.2477% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.7546% | 5,119 |
| Net charge-offs to loans | 0.2803% | 3,484 |
| Credit loss provision to net charge-offs | 147.3477% | 2,076 |
| Earnings coverage of net charge-offs (x) | 4.9902% | 2,721 |
| Efficiency ratio | 80.7764% | 2,265 |
| Assets per employee ($millions) | 3.1917% | 5,658 |
| Cash dividends to net income (ytd only)* | 58.6940% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 3,804 |
| Loan loss allowance to noncurrent loans | 376.0437% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,143 |
| Noncurrent loans to loans | 0.4186% | 6,066 |
| Net loans and leases to total assets | 54.7491% | 5,188 |
| Net loans and leases to deposits | 65.2543% | 5,105 |
| Net loans and leases to core deposits | 68.7126% | 5,216 |
| Total domestic deposits to total assets | 83.9011% | 4,390 |
| Equity capital to assets | 9.3223% | 5,114 |
| Core capital (leverage) ratio | 8.2387% | 5,969 |
| Tier 1 risk-based capital ratio | 13.1738% | 4,784 |
| Total risk-based capital ratio | 15.3462% | 4,068 |
| Memoranda: | ||
| Average total assets | $1,340,379,330 | 498 |
| Average earning assets | $1,247,859,670 | 490 |
| Average equity | $124,018,670 | 565 |
| Average total loans | $726,479,670 | 582 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 6,974 |
| Cost of funding earning assets | 0.7003% | 6,133 |
| Net interest margin | 3.0795% | 6,398 |
| Noninterest income to average assets | 1.0746% | 1,135 |
| Noninterest expense to average assets | 3.1835% | 2,950 |
| Loan and lease loss provision to assets | 0.2236% | 3,422 |
| Net operating income to assets | 0.3618% | 5,114 |
| Return on assets (ROA) | 0.3604% | 5,204 |
| Pretax return on assets | 0.5333% | 4,919 |
| Return on Equity (ROE) | 3.9096% | 4,951 |
| Retained earnings to average equity (ytd only) | 0.6015% | 5,591 |
| Net charge-offs to loans | 0.4202% | 2,430 |
| Credit loss provision to net charge-offs | 99.4695% | 2,745 |
| Earnings coverage of net charge-offs (x) | 3.3767% | 2,760 |
| Efficiency ratio | 80.7198% | 2,406 |
| Assets per employee ($millions) | 3.2733% | 5,544 |
| Cash dividends to net income (ytd only)* | 84.6154% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,813 |
| Loan loss allowance to noncurrent loans | 345.0354% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 6,188 |
| Noncurrent loans to loans | 0.4581% | 6,095 |
| Net loans and leases to total assets | 51.9484% | 5,590 |
| Net loans and leases to deposits | 61.8633% | 5,514 |
| Net loans and leases to core deposits | 65.3256% | 5,580 |
| Total domestic deposits to total assets | 83.9728% | 4,499 |
| Equity capital to assets | 9.2303% | 4,837 |
| Core capital (leverage) ratio | 8.1256% | 6,087 |
| Tier 1 risk-based capital ratio | 13.2535% | 4,618 |
| Total risk-based capital ratio | 15.5134% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,341,916,500 | 506 |
| Average earning assets | $1,249,691,000 | 499 |
| Average equity | $123,694,000 | 562 |
| Average total loans | $717,783,500 | 596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 6,905 |
| Cost of funding earning assets | 0.8240% | 6,467 |
| Net interest margin | 3.3898% | 5,675 |
| Noninterest income to average assets | 1.1083% | 1,208 |
| Noninterest expense to average assets | 3.1650% | 3,211 |
| Loan and lease loss provision to assets | 0.2354% | 4,926 |
| Net operating income to assets | 0.5755% | 3,777 |
| Return on assets (ROA) | 0.5752% | 3,943 |
| Pretax return on assets | 0.8472% | 3,477 |
| Return on Equity (ROE) | 6.2139% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.4155% | 2,763 |
| Net charge-offs to loans | 0.4128% | 3,974 |
| Credit loss provision to net charge-offs | 98.7375% | 4,684 |
| Earnings coverage of net charge-offs (x) | 4.5435% | 2,882 |
| Efficiency ratio | 74.4219% | 3,317 |
| Assets per employee ($millions) | 3.2253% | 5,613 |
| Cash dividends to net income (ytd only)* | 28.9414% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,785 |
| Loan loss allowance to noncurrent loans | 326.6802% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 6,158 |
| Noncurrent loans to loans | 0.4738% | 6,093 |
| Net loans and leases to total assets | 53.3610% | 5,726 |
| Net loans and leases to deposits | 63.7086% | 5,660 |
| Net loans and leases to core deposits | 67.4506% | 5,720 |
| Total domestic deposits to total assets | 83.7578% | 4,475 |
| Equity capital to assets | 9.2051% | 4,833 |
| Core capital (leverage) ratio | 8.1862% | 5,850 |
| Tier 1 risk-based capital ratio | 13.1471% | 4,487 |
| Total risk-based capital ratio | 15.3366% | 3,784 |
| Memoranda: | ||
| Average total assets | $1,295,784,000 | 522 |
| Average earning assets | $1,200,252,400 | 508 |
| Average equity | $119,940,400 | 565 |
| Average total loans | $748,348,400 | 582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 7,025 |
| Cost of funding earning assets | 0.8437% | 6,608 |
| Net interest margin | 3.4126% | 5,627 |
| Noninterest income to average assets | 1.0788% | 1,230 |
| Noninterest expense to average assets | 3.1934% | 2,949 |
| Loan and lease loss provision to assets | 0.2127% | 4,937 |
| Net operating income to assets | 0.5716% | 3,999 |
| Return on assets (ROA) | 0.5711% | 4,170 |
| Pretax return on assets | 0.8284% | 3,805 |
| Return on Equity (ROE) | 6.1615% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.3383% | 3,442 |
| Net charge-offs to loans | 0.2834% | 4,246 |
| Credit loss provision to net charge-offs | 127.8852% | 3,177 |
| Earnings coverage of net charge-offs (x) | 6.2645% | 2,558 |
| Efficiency ratio | 75.3050% | 3,079 |
| Assets per employee ($millions) | 3.0776% | 5,974 |
| Cash dividends to net income (ytd only)* | 29.5913% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,907 |
| Loan loss allowance to noncurrent loans | 379.3394% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 6,231 |
| Noncurrent loans to loans | 0.3987% | 6,402 |
| Net loans and leases to total assets | 58.4616% | 5,191 |
| Net loans and leases to deposits | 70.2529% | 5,110 |
| Net loans and leases to core deposits | 74.5428% | 5,225 |
| Total domestic deposits to total assets | 83.2159% | 4,494 |
| Equity capital to assets | 9.3912% | 4,998 |
| Core capital (leverage) ratio | 8.3709% | 5,752 |
| Tier 1 risk-based capital ratio | 12.8387% | 4,701 |
| Total risk-based capital ratio | 14.9984% | 3,975 |
| Memoranda: | ||
| Average total assets | $1,285,105,750 | 522 |
| Average earning assets | $1,188,676,000 | 509 |
| Average equity | $119,123,000 | 562 |
| Average total loans | $754,069,750 | 576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 7,127 |
| Cost of funding earning assets | 0.8481% | 6,766 |
| Net interest margin | 3.3942% | 5,664 |
| Noninterest income to average assets | 1.0142% | 1,340 |
| Noninterest expense to average assets | 3.1710% | 3,012 |
| Loan and lease loss provision to assets | 0.2034% | 4,838 |
| Net operating income to assets | 0.5466% | 4,110 |
| Return on assets (ROA) | 0.5458% | 4,254 |
| Pretax return on assets | 0.7789% | 3,958 |
| Return on Equity (ROE) | 5.9145% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.1312% | 3,442 |
| Net charge-offs to loans | 0.2840% | 3,920 |
| Credit loss provision to net charge-offs | 122.5259% | 3,299 |
| Earnings coverage of net charge-offs (x) | 5.9246% | 2,569 |
| Efficiency ratio | 76.2172% | 3,037 |
| Assets per employee ($millions) | 3.0883% | 5,951 |
| Cash dividends to net income (ytd only)* | 30.1519% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,921 |
| Loan loss allowance to noncurrent loans | 254.6139% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 6,188 |
| Noncurrent loans to loans | 0.5904% | 6,067 |
| Net loans and leases to total assets | 58.9701% | 5,254 |
| Net loans and leases to deposits | 70.5007% | 5,205 |
| Net loans and leases to core deposits | 75.0889% | 5,312 |
| Total domestic deposits to total assets | 83.6448% | 4,268 |
| Equity capital to assets | 9.4203% | 4,836 |
| Core capital (leverage) ratio | 8.2822% | 5,801 |
| Tier 1 risk-based capital ratio | 12.6994% | 4,688 |
| Total risk-based capital ratio | 14.9014% | 3,935 |
| Memoranda: | ||
| Average total assets | $1,278,505,330 | 522 |
| Average earning assets | $1,182,840,000 | 507 |
| Average equity | $117,981,670 | 562 |
| Average total loans | $747,232,000 | 583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 7,235 |
| Cost of funding earning assets | 0.8557% | 6,919 |
| Net interest margin | 3.3643% | 5,734 |
| Noninterest income to average assets | 0.9552% | 1,434 |
| Noninterest expense to average assets | 3.1922% | 2,902 |
| Loan and lease loss provision to assets | 0.1877% | 4,627 |
| Net operating income to assets | 0.4915% | 4,433 |
| Return on assets (ROA) | 0.4900% | 4,577 |
| Pretax return on assets | 0.6839% | 4,295 |
| Return on Equity (ROE) | 5.3653% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.5632% | 4,015 |
| Net charge-offs to loans | 0.2384% | 3,509 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 6.3477% | 2,239 |
| Efficiency ratio | 78.3780% | 2,837 |
| Assets per employee ($millions) | 3.0481% | 6,104 |
| Cash dividends to net income (ytd only)* | 33.5888% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,649 |
| Loan loss allowance to noncurrent loans | 201.1796% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 6,021 |
| Noncurrent loans to loans | 0.7717% | 5,782 |
| Net loans and leases to total assets | 56.6042% | 5,660 |
| Net loans and leases to deposits | 67.6458% | 5,634 |
| Net loans and leases to core deposits | 72.1227% | 5,699 |
| Total domestic deposits to total assets | 83.6774% | 4,313 |
| Equity capital to assets | 9.2964% | 4,836 |
| Core capital (leverage) ratio | 8.2020% | 5,903 |
| Tier 1 risk-based capital ratio | 13.0396% | 4,305 |
| Total risk-based capital ratio | 15.3171% | 3,578 |
| Memoranda: | ||
| Average total assets | $1,278,480,000 | 541 |
| Average earning assets | $1,182,162,500 | 524 |
| Average equity | $116,750,500 | 575 |
| Average total loans | $738,112,000 | 610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 6,823 |
| Cost of funding earning assets | 1.3335% | 6,197 |
| Net interest margin | 3.5226% | 4,857 |
| Noninterest income to average assets | 1.1441% | 1,178 |
| Noninterest expense to average assets | 3.3278% | 2,917 |
| Loan and lease loss provision to assets | 0.4326% | 4,233 |
| Net operating income to assets | 0.5237% | 3,633 |
| Return on assets (ROA) | 0.5378% | 3,666 |
| Pretax return on assets | 0.6419% | 3,772 |
| Return on Equity (ROE) | 6.0750% | 3,180 |
| Retained earnings to average equity (ytd only) | 4.1462% | 2,313 |
| Net charge-offs to loans | 0.6624% | 3,198 |
| Credit loss provision to net charge-offs | 108.9391% | 5,075 |
| Earnings coverage of net charge-offs (x) | 2.6636% | 3,779 |
| Efficiency ratio | 75.6637% | 3,582 |
| Assets per employee ($millions) | 3.0112% | 6,200 |
| Cash dividends to net income (ytd only)* | 31.7498% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,610 |
| Loan loss allowance to noncurrent loans | 219.7153% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 6,217 |
| Noncurrent loans to loans | 0.6928% | 5,850 |
| Net loans and leases to total assets | 57.0884% | 5,805 |
| Net loans and leases to deposits | 68.4311% | 5,778 |
| Net loans and leases to core deposits | 81.9228% | 5,913 |
| Total domestic deposits to total assets | 83.4248% | 4,318 |
| Equity capital to assets | 8.9671% | 5,197 |
| Core capital (leverage) ratio | 8.1486% | 5,908 |
| Tier 1 risk-based capital ratio | 12.6618% | 4,394 |
| Total risk-based capital ratio | 14.7234% | 3,786 |
| Memoranda: | ||
| Average total assets | $1,236,837,000 | 544 |
| Average earning assets | $1,138,047,600 | 532 |
| Average equity | $109,497,200 | 596 |
| Average total loans | $741,415,800 | 620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 6,768 |
| Cost of funding earning assets | 1.4409% | 6,074 |
| Net interest margin | 3.5073% | 4,829 |
| Noninterest income to average assets | 1.1835% | 1,116 |
| Noninterest expense to average assets | 3.4640% | 2,377 |
| Loan and lease loss provision to assets | 0.2934% | 4,626 |
| Net operating income to assets | 0.5044% | 3,967 |
| Return on assets (ROA) | 0.5221% | 3,985 |
| Pretax return on assets | 0.6731% | 3,949 |
| Return on Equity (ROE) | 5.9170% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.9685% | 3,061 |
| Net charge-offs to loans | 0.3460% | 3,911 |
| Credit loss provision to net charge-offs | 140.2597% | 3,506 |
| Earnings coverage of net charge-offs (x) | 4.5122% | 3,116 |
| Efficiency ratio | 78.3437% | 3,112 |
| Assets per employee ($millions) | 2.8676% | 6,490 |
| Cash dividends to net income (ytd only)* | 32.9309% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,309 |
| Loan loss allowance to noncurrent loans | 176.8750% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 5,825 |
| Noncurrent loans to loans | 0.8616% | 5,570 |
| Net loans and leases to total assets | 60.6621% | 5,476 |
| Net loans and leases to deposits | 70.3579% | 5,866 |
| Net loans and leases to core deposits | 85.8302% | 5,882 |
| Total domestic deposits to total assets | 86.2193% | 2,577 |
| Equity capital to assets | 9.0701% | 5,379 |
| Core capital (leverage) ratio | 8.2881% | 5,852 |
| Tier 1 risk-based capital ratio | 12.0759% | 4,900 |
| Total risk-based capital ratio | 14.0835% | 4,241 |
| Memoranda: | ||
| Average total assets | $1,226,857,750 | 562 |
| Average earning assets | $1,127,944,000 | 550 |
| Average equity | $108,249,500 | 613 |
| Average total loans | $741,733,250 | 638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 6,752 |
| Cost of funding earning assets | 1.5124% | 6,088 |
| Net interest margin | 3.4925% | 4,832 |
| Noninterest income to average assets | 1.1863% | 1,112 |
| Noninterest expense to average assets | 3.4644% | 2,444 |
| Loan and lease loss provision to assets | 0.2778% | 4,356 |
| Net operating income to assets | 0.5489% | 3,885 |
| Return on assets (ROA) | 0.5494% | 4,004 |
| Pretax return on assets | 0.6491% | 4,163 |
| Return on Equity (ROE) | 6.2861% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.3173% | 2,897 |
| Net charge-offs to loans | 0.3528% | 3,422 |
| Credit loss provision to net charge-offs | 131.0717% | 3,559 |
| Earnings coverage of net charge-offs (x) | 4.3701% | 3,113 |
| Efficiency ratio | 78.6355% | 3,247 |
| Assets per employee ($millions) | 2.8519% | 6,509 |
| Cash dividends to net income (ytd only)* | 31.3206% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,233 |
| Loan loss allowance to noncurrent loans | 169.7551% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 5,856 |
| Noncurrent loans to loans | 0.8801% | 5,451 |
| Net loans and leases to total assets | 60.5225% | 5,601 |
| Net loans and leases to deposits | 69.8014% | 6,008 |
| Net loans and leases to core deposits | 85.9988% | 5,903 |
| Total domestic deposits to total assets | 86.7067% | 2,403 |
| Equity capital to assets | 8.7806% | 5,628 |
| Core capital (leverage) ratio | 8.1741% | 6,020 |
| Tier 1 risk-based capital ratio | 11.9742% | 4,946 |
| Total risk-based capital ratio | 13.8441% | 4,370 |
| Memoranda: | ||
| Average total assets | $1,223,831,330 | 578 |
| Average earning assets | $1,122,859,670 | 565 |
| Average equity | $106,965,670 | 631 |
| Average total loans | $735,195,000 | 664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 6,904 |
| Cost of funding earning assets | 1.5820% | 6,106 |
| Net interest margin | 3.4278% | 5,023 |
| Noninterest income to average assets | 1.1203% | 1,183 |
| Noninterest expense to average assets | 3.4219% | 2,294 |
| Loan and lease loss provision to assets | 0.1797% | 4,651 |
| Net operating income to assets | 0.4511% | 4,649 |
| Return on assets (ROA) | 0.4520% | 4,815 |
| Pretax return on assets | 0.6546% | 4,576 |
| Return on Equity (ROE) | 5.1830% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,083 |
| Net charge-offs to loans | 0.0407% | 4,920 |
| Credit loss provision to net charge-offs | 743.2432% | 817 |
| Earnings coverage of net charge-offs (x) | 34.4459% | 958 |
| Efficiency ratio | 80.1229% | 2,799 |
| Assets per employee ($millions) | 2.8363% | 6,561 |
| Cash dividends to net income (ytd only)* | 38.0333% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,708 |
| Loan loss allowance to noncurrent loans | 186.7504% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,773 |
| Noncurrent loans to loans | 0.8316% | 5,361 |
| Net loans and leases to total assets | 58.3465% | 5,887 |
| Net loans and leases to deposits | 67.2128% | 6,251 |
| Net loans and leases to core deposits | 82.6815% | 6,174 |
| Total domestic deposits to total assets | 86.8087% | 2,308 |
| Equity capital to assets | 8.6513% | 5,841 |
| Core capital (leverage) ratio | 8.0650% | 6,360 |
| Tier 1 risk-based capital ratio | 12.0781% | 4,899 |
| Total risk-based capital ratio | 13.9521% | 4,310 |
| Memoranda: | ||
| Average total assets | $1,224,010,500 | 580 |
| Average earning assets | $1,119,312,500 | 570 |
| Average equity | $106,734,500 | 628 |
| Average total loans | $726,939,000 | 682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 6,552 |
| Cost of funding earning assets | 2.0333% | 6,308 |
| Net interest margin | 3.7287% | 4,334 |
| Noninterest income to average assets | 0.9653% | 1,713 |
| Noninterest expense to average assets | 3.2568% | 3,134 |
| Loan and lease loss provision to assets | 0.1466% | 5,484 |
| Net operating income to assets | 0.6850% | 3,958 |
| Return on assets (ROA) | 0.6802% | 3,821 |
| Pretax return on assets | 0.9650% | 3,503 |
| Return on Equity (ROE) | 7.3166% | 3,360 |
| Retained earnings to average equity (ytd only) | 1.3640% | 4,400 |
| Net charge-offs to loans | 0.3953% | 2,840 |
| Credit loss provision to net charge-offs | 62.1852% | 6,206 |
| Earnings coverage of net charge-offs (x) | 4.7435% | 3,877 |
| Efficiency ratio | 74.0145% | 3,570 |
| Assets per employee ($millions) | 2.8436% | 6,464 |
| Cash dividends to net income (ytd only)* | 81.3576% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,742 |
| Loan loss allowance to noncurrent loans | 170.5465% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 5,412 |
| Noncurrent loans to loans | 0.8745% | 4,868 |
| Net loans and leases to total assets | 58.6261% | 6,113 |
| Net loans and leases to deposits | 67.5689% | 6,499 |
| Net loans and leases to core deposits | 82.4601% | 6,417 |
| Total domestic deposits to total assets | 86.7650% | 2,057 |
| Equity capital to assets | 8.7893% | 5,670 |
| Core capital (leverage) ratio | 8.1252% | 6,287 |
| Tier 1 risk-based capital ratio | 12.4320% | 4,487 |
| Total risk-based capital ratio | 14.4522% | 3,907 |
| Memoranda: | ||
| Average total assets | $1,195,482,600 | 560 |
| Average earning assets | $1,093,312,000 | 560 |
| Average equity | $111,143,800 | 606 |
| Average total loans | $713,216,400 | 669 |