Home > SouthState Bank > Performance and Condition Ratios
SouthState Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 2,227 |
| Cost of funding earning assets | 1.1858% | 2,837 |
| Net interest margin | 3.7382% | 1,676 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.2631% | 2,948 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.1694% | 1,724 |
| Return on assets (ROA) | 1.1694% | 1,695 |
| Pretax return on assets | 1.4931% | 1,442 |
| Return on Equity (ROE) | 9.4200% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.1794% | 2,181 |
| Net charge-offs to loans | 0.0792% | 1,072 |
| Credit loss provision to net charge-offs | 502.6743% | 666 |
| Earnings coverage of net charge-offs (x) | 31.4373% | 1,607 |
| Efficiency ratio | 54.8840% | 3,609 |
| Assets per employee ($millions) | 8.6587% | 1,127 |
| Cash dividends to net income (ytd only)* | 34.4195% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,371 |
| Loan loss allowance to noncurrent loans | 249.9018% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 1,358 |
| Noncurrent loans to loans | 0.5632% | 1,387 |
| Net loans and leases to total assets | 71.2500% | 1,669 |
| Net loans and leases to deposits | 86.0586% | 1,610 |
| Net loans and leases to core deposits | 90.0496% | 2,047 |
| Total domestic deposits to total assets | 82.7900% | 2,943 |
| Equity capital to assets | 12.9178% | 874 |
| Core capital (leverage) ratio | 10.0286% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7464% | 1,960 |
| Memoranda: | ||
| Average total assets | $44,718,766,200 | 52 |
| Average earning assets | $39,483,984,800 | 51 |
| Average equity | $5,550,003,600 | 42 |
| Average total loans | $31,398,698,000 | 46 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 2,197 |
| Cost of funding earning assets | 1.0590% | 2,866 |
| Net interest margin | 3.7747% | 1,651 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.1892% | 3,111 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 1.2240% | 1,722 |
| Return on assets (ROA) | 1.2241% | 1,718 |
| Pretax return on assets | 1.5614% | 1,436 |
| Return on Equity (ROE) | 9.9700% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.8067% | 2,357 |
| Net charge-offs to loans | 0.0751% | 955 |
| Credit loss provision to net charge-offs | 621.5845% | 547 |
| Earnings coverage of net charge-offs (x) | 35.7562% | 1,507 |
| Efficiency ratio | 52.3640% | 3,728 |
| Assets per employee ($millions) | 8.7230% | 1,036 |
| Cash dividends to net income (ytd only)* | 31.6943% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,452 |
| Loan loss allowance to noncurrent loans | 269.9766% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 1,554 |
| Noncurrent loans to loans | 0.5178% | 1,528 |
| Net loans and leases to total assets | 70.2500% | 1,800 |
| Net loans and leases to deposits | 85.2786% | 1,629 |
| Net loans and leases to core deposits | 89.9774% | 1,930 |
| Total domestic deposits to total assets | 82.3800% | 3,146 |
| Equity capital to assets | 12.2337% | 983 |
| Core capital (leverage) ratio | 9.9608% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4416% | 2,099 |
| Memoranda: | ||
| Average total assets | $44,676,744,000 | 52 |
| Average earning assets | $39,411,504,000 | 51 |
| Average equity | $5,487,910,250 | 43 |
| Average total loans | $31,138,528,250 | 47 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,161 |
| Cost of funding earning assets | 0.8845% | 2,975 |
| Net interest margin | 3.8373% | 1,550 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.1994% | 3,079 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.2541% | 1,686 |
| Return on assets (ROA) | 1.2543% | 1,676 |
| Pretax return on assets | 1.6045% | 1,408 |
| Return on Equity (ROE) | 10.2000% | 2,645 |
| Retained earnings to average equity (ytd only) | 6.9142% | 2,311 |
| Net charge-offs to loans | 0.0282% | 1,323 |
| Credit loss provision to net charge-offs | 1,731.7387% | 291 |
| Earnings coverage of net charge-offs (x) | 98.6796% | 946 |
| Efficiency ratio | 51.7674% | 3,786 |
| Assets per employee ($millions) | 8.7037% | 1,002 |
| Cash dividends to net income (ytd only)* | 32.1938% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,699 |
| Loan loss allowance to noncurrent loans | 251.8560% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 1,401 |
| Noncurrent loans to loans | 0.5374% | 1,383 |
| Net loans and leases to total assets | 69.3400% | 1,815 |
| Net loans and leases to deposits | 84.5240% | 1,624 |
| Net loans and leases to core deposits | 89.4706% | 1,829 |
| Total domestic deposits to total assets | 82.0300% | 3,226 |
| Equity capital to assets | 12.3866% | 957 |
| Core capital (leverage) ratio | 9.8065% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1750% | 2,224 |
| Memoranda: | ||
| Average total assets | $44,577,021,667 | 51 |
| Average earning assets | $39,321,384,000 | 51 |
| Average equity | $5,483,135,667 | 43 |
| Average total loans | $30,836,665,667 | 46 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 2,076 |
| Cost of funding earning assets | 0.6482% | 3,226 |
| Net interest margin | 3.9555% | 1,355 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.1845% | 3,137 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 1.3443% | 1,558 |
| Return on assets (ROA) | 1.3446% | 1,527 |
| Pretax return on assets | 1.7219% | 1,234 |
| Return on Equity (ROE) | 10.9700% | 2,499 |
| Retained earnings to average equity (ytd only) | 7.2954% | 2,421 |
| Net charge-offs to loans | 0.0136% | 1,443 |
| Credit loss provision to net charge-offs | 1,468.1118% | 284 |
| Earnings coverage of net charge-offs (x) | 215.9759% | 486 |
| Efficiency ratio | 50.3973% | 3,904 |
| Assets per employee ($millions) | 8.8304% | 1,003 |
| Cash dividends to net income (ytd only)* | 33.4995% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,518 |
| Loan loss allowance to noncurrent loans | 297.4225% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 1,732 |
| Noncurrent loans to loans | 0.4056% | 1,715 |
| Net loans and leases to total assets | 67.6000% | 1,885 |
| Net loans and leases to deposits | 83.1336% | 1,564 |
| Net loans and leases to core deposits | 88.0921% | 1,732 |
| Total domestic deposits to total assets | 81.3100% | 3,587 |
| Equity capital to assets | 12.3009% | 917 |
| Core capital (leverage) ratio | 9.6951% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9851% | 2,397 |
| Memoranda: | ||
| Average total assets | $44,401,331,500 | 52 |
| Average earning assets | $39,129,945,000 | 53 |
| Average equity | $5,442,146,500 | 46 |
| Average total loans | $30,465,130,500 | 51 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 2,908 |
| Cost of funding earning assets | 0.1073% | 4,358 |
| Net interest margin | 3.4552% | 2,080 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.1217% | 3,233 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.1630% | 1,923 |
| Return on assets (ROA) | 1.1631% | 1,856 |
| Pretax return on assets | 1.4850% | 1,500 |
| Return on Equity (ROE) | 9.8300% | 2,861 |
| Retained earnings to average equity (ytd only) | 5.6709% | 2,761 |
| Net charge-offs to loans | 0.0155% | 1,809 |
| Credit loss provision to net charge-offs | 1,057.1295% | 411 |
| Earnings coverage of net charge-offs (x) | 174.4933% | 718 |
| Efficiency ratio | 54.0228% | 3,796 |
| Assets per employee ($millions) | 8.7294% | 1,002 |
| Cash dividends to net income (ytd only)* | 42.3394% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,492 |
| Loan loss allowance to noncurrent loans | 328.2929% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 1,901 |
| Noncurrent loans to loans | 0.3594% | 1,856 |
| Net loans and leases to total assets | 68.0000% | 1,831 |
| Net loans and leases to deposits | 81.9011% | 1,622 |
| Net loans and leases to core deposits | 83.3077% | 1,912 |
| Total domestic deposits to total assets | 83.0200% | 3,418 |
| Equity capital to assets | 12.2115% | 877 |
| Core capital (leverage) ratio | 9.3854% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6883% | 2,491 |
| Memoranda: | ||
| Average total assets | $44,676,410,600 | 54 |
| Average earning assets | $39,212,106,600 | 54 |
| Average equity | $5,283,332,000 | 51 |
| Average total loans | $27,578,689,600 | 53 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2895% | 3,207 |
| Cost of funding earning assets | 0.0783% | 4,432 |
| Net interest margin | 3.2112% | 2,590 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.1214% | 3,158 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0975% | 2,113 |
| Return on assets (ROA) | 1.0975% | 2,073 |
| Pretax return on assets | 1.4035% | 1,706 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 4.7964% | 3,163 |
| Net charge-offs to loans | 0.0168% | 1,513 |
| Credit loss provision to net charge-offs | 359.8706% | 741 |
| Earnings coverage of net charge-offs (x) | 149.1618% | 751 |
| Efficiency ratio | 56.4120% | 3,583 |
| Assets per employee ($millions) | 8.9025% | 929 |
| Cash dividends to net income (ytd only)* | 48.7324% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 2,904 |
| Loan loss allowance to noncurrent loans | 324.3040% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,100 |
| Noncurrent loans to loans | 0.3465% | 1,987 |
| Net loans and leases to total assets | 63.2100% | 2,169 |
| Net loans and leases to deposits | 75.6014% | 1,916 |
| Net loans and leases to core deposits | 76.9198% | 2,117 |
| Total domestic deposits to total assets | 83.6100% | 3,578 |
| Equity capital to assets | 11.5389% | 989 |
| Core capital (leverage) ratio | 8.9951% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6784% | 2,582 |
| Memoranda: | ||
| Average total assets | $44,870,481,750 | 56 |
| Average earning assets | $39,351,161,500 | 55 |
| Average equity | $5,263,948,500 | 54 |
| Average total loans | $26,921,654,500 | 55 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0222% | 3,501 |
| Cost of funding earning assets | 0.0581% | 4,543 |
| Net interest margin | 2.9641% | 2,992 |
| Noninterest income to average assets | 0.8417% | 965 |
| Noninterest expense to average assets | 2.0941% | 3,169 |
| Loan and lease loss provision to assets | 0.0484% | 1,708 |
| Net operating income to assets | 1.0279% | 2,055 |
| Return on assets (ROA) | 1.0278% | 2,029 |
| Pretax return on assets | 1.3107% | 1,710 |
| Return on Equity (ROE) | 8.7134% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.4119% | 3,305 |
| Net charge-offs to loans | 0.0355% | 1,028 |
| Credit loss provision to net charge-offs | 188.8865% | 996 |
| Earnings coverage of net charge-offs (x) | 65.2789% | 1,039 |
| Efficiency ratio | 58.3983% | 3,504 |
| Assets per employee ($millions) | 8.9005% | 921 |
| Cash dividends to net income (ytd only)* | 60.8431% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,975 |
| Loan loss allowance to noncurrent loans | 355.1088% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,343 |
| Noncurrent loans to loans | 0.3214% | 2,193 |
| Net loans and leases to total assets | 59.9425% | 2,329 |
| Net loans and leases to deposits | 71.0768% | 2,102 |
| Net loans and leases to core deposits | 72.3232% | 2,305 |
| Total domestic deposits to total assets | 84.3348% | 3,616 |
| Equity capital to assets | 11.5548% | 1,012 |
| Core capital (leverage) ratio | 8.6707% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6831% | 2,621 |
| Memoranda: | ||
| Average total assets | $44,773,100,000 | 55 |
| Average earning assets | $39,447,692,000 | 55 |
| Average equity | $5,281,515,000 | 54 |
| Average total loans | $26,271,946,000 | 55 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 3,790 |
| Cost of funding earning assets | 0.0503% | 4,600 |
| Net interest margin | 2.7260% | 3,349 |
| Noninterest income to average assets | 0.8502% | 930 |
| Noninterest expense to average assets | 2.1229% | 3,072 |
| Loan and lease loss provision to assets | -0.0767% | 4,562 |
| Net operating income to assets | 0.9553% | 2,052 |
| Return on assets (ROA) | 0.9553% | 2,049 |
| Pretax return on assets | 1.2146% | 1,754 |
| Return on Equity (ROE) | 8.0125% | 2,689 |
| Retained earnings to average equity (ytd only) | 2.3020% | 3,462 |
| Net charge-offs to loans | 0.0366% | 929 |
| Credit loss provision to net charge-offs | -357.7519% | 3,072 |
| Earnings coverage of net charge-offs (x) | 53.9823% | 896 |
| Efficiency ratio | 62.7394% | 3,175 |
| Assets per employee ($millions) | 8.9120% | 950 |
| Cash dividends to net income (ytd only)* | 71.2697% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,216 |
| Loan loss allowance to noncurrent loans | 262.5036% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,124 |
| Noncurrent loans to loans | 0.4288% | 1,956 |
| Net loans and leases to total assets | 57.1355% | 2,399 |
| Net loans and leases to deposits | 67.8821% | 2,167 |
| Net loans and leases to core deposits | 69.1560% | 2,365 |
| Total domestic deposits to total assets | 84.1688% | 3,733 |
| Equity capital to assets | 11.8544% | 1,003 |
| Core capital (leverage) ratio | 9.1885% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9902% | 2,609 |
| Memoranda: | ||
| Average total assets | $44,062,972,000 | 56 |
| Average earning assets | $38,966,247,000 | 58 |
| Average equity | $5,253,493,000 | 55 |
| Average total loans | $25,403,346,000 | 56 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 3,725 |
| Cost of funding earning assets | 0.0976% | 4,398 |
| Net interest margin | 2.9829% | 3,244 |
| Noninterest income to average assets | 0.9588% | 1,079 |
| Noninterest expense to average assets | 2.3859% | 2,530 |
| Loan and lease loss provision to assets | -0.4126% | 4,808 |
| Net operating income to assets | 1.2638% | 1,707 |
| Return on assets (ROA) | 1.2640% | 1,760 |
| Pretax return on assets | 1.6080% | 1,403 |
| Return on Equity (ROE) | 10.2782% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.2180% | 2,262 |
| Net charge-offs to loans | 0.0127% | 2,087 |
| Credit loss provision to net charge-offs | -4,893.5774% | 4,162 |
| Earnings coverage of net charge-offs (x) | 153.7296% | 645 |
| Efficiency ratio | 64.1725% | 2,538 |
| Assets per employee ($millions) | 8.3288% | 1,155 |
| Cash dividends to net income (ytd only)* | 39.5026% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,619 |
| Loan loss allowance to noncurrent loans | 375.9383% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,573 |
| Noncurrent loans to loans | 0.3328% | 2,390 |
| Net loans and leases to total assets | 56.7857% | 2,505 |
| Net loans and leases to deposits | 67.7792% | 2,331 |
| Net loans and leases to core deposits | 69.9010% | 2,452 |
| Total domestic deposits to total assets | 83.7804% | 3,616 |
| Equity capital to assets | 11.9979% | 1,249 |
| Core capital (leverage) ratio | 8.6468% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2209% | 2,556 |
| Memoranda: | ||
| Average total assets | $40,054,473,000 | 57 |
| Average earning assets | $35,212,744,200 | 58 |
| Average equity | $4,925,931,000 | 57 |
| Average total loans | $24,431,012,000 | 54 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1409% | 3,721 |
| Cost of funding earning assets | 0.1114% | 4,415 |
| Net interest margin | 3.0295% | 3,234 |
| Noninterest income to average assets | 0.9600% | 1,133 |
| Noninterest expense to average assets | 2.4496% | 2,274 |
| Loan and lease loss provision to assets | -0.5258% | 4,886 |
| Net operating income to assets | 1.3276% | 1,739 |
| Return on assets (ROA) | 1.3279% | 1,796 |
| Pretax return on assets | 1.6921% | 1,425 |
| Return on Equity (ROE) | 10.7280% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.2852% | 3,107 |
| Net charge-offs to loans | 0.0117% | 1,893 |
| Credit loss provision to net charge-offs | -6,546.3788% | 4,172 |
| Earnings coverage of net charge-offs (x) | 160.6917% | 647 |
| Efficiency ratio | 65.2677% | 2,204 |
| Assets per employee ($millions) | 7.9678% | 1,286 |
| Cash dividends to net income (ytd only)* | 50.7344% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,450 |
| Loan loss allowance to noncurrent loans | 348.2711% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,622 |
| Noncurrent loans to loans | 0.3753% | 2,434 |
| Net loans and leases to total assets | 58.1498% | 2,470 |
| Net loans and leases to deposits | 70.5219% | 2,188 |
| Net loans and leases to core deposits | 72.6209% | 2,360 |
| Total domestic deposits to total assets | 82.4563% | 3,833 |
| Equity capital to assets | 12.1139% | 1,353 |
| Core capital (leverage) ratio | 8.5344% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1132% | 2,672 |
| Memoranda: | ||
| Average total assets | $39,582,135,000 | 58 |
| Average earning assets | $34,697,019,250 | 59 |
| Average equity | $4,899,322,750 | 58 |
| Average total loans | $24,508,792,750 | 55 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 3,715 |
| Cost of funding earning assets | 0.1249% | 4,394 |
| Net interest margin | 3.0512% | 3,176 |
| Noninterest income to average assets | 0.9773% | 1,111 |
| Noninterest expense to average assets | 2.5060% | 2,121 |
| Loan and lease loss provision to assets | -0.5983% | 4,921 |
| Net operating income to assets | 1.3596% | 1,678 |
| Return on assets (ROA) | 1.3598% | 1,757 |
| Pretax return on assets | 1.7471% | 1,367 |
| Return on Equity (ROE) | 10.9051% | 2,453 |
| Retained earnings to average equity (ytd only) | 7.8348% | 2,138 |
| Net charge-offs to loans | 0.0170% | 1,610 |
| Credit loss provision to net charge-offs | -5,005.4919% | 3,989 |
| Earnings coverage of net charge-offs (x) | 107.4470% | 717 |
| Efficiency ratio | 66.0405% | 2,146 |
| Assets per employee ($millions) | 7.7384% | 1,333 |
| Cash dividends to net income (ytd only)* | 28.1549% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,778 |
| Loan loss allowance to noncurrent loans | 409.2622% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,801 |
| Noncurrent loans to loans | 0.3537% | 2,634 |
| Net loans and leases to total assets | 59.2461% | 2,515 |
| Net loans and leases to deposits | 71.6834% | 2,239 |
| Net loans and leases to core deposits | 74.3275% | 2,378 |
| Total domestic deposits to total assets | 82.6496% | 3,778 |
| Equity capital to assets | 12.3259% | 1,208 |
| Core capital (leverage) ratio | 8.6917% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6757% | 2,481 |
| Memoranda: | ||
| Average total assets | $39,180,480,667 | 59 |
| Average earning assets | $34,378,374,667 | 59 |
| Average equity | $4,885,462,333 | 58 |
| Average total loans | $24,667,803,000 | 55 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2825% | 3,494 |
| Cost of funding earning assets | 0.1369% | 4,402 |
| Net interest margin | 3.1456% | 2,857 |
| Noninterest income to average assets | 1.0781% | 1,014 |
| Noninterest expense to average assets | 2.3438% | 2,666 |
| Loan and lease loss provision to assets | -0.5266% | 4,923 |
| Net operating income to assets | 1.5803% | 1,164 |
| Return on assets (ROA) | 1.5804% | 1,219 |
| Pretax return on assets | 2.0232% | 912 |
| Return on Equity (ROE) | 12.5994% | 1,790 |
| Retained earnings to average equity (ytd only) | 12.5994% | 1,001 |
| Net charge-offs to loans | -0.0003% | 3,007 |
| Credit loss provision to net charge-offs | 242,238.0952% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5610% | 3,226 |
| Assets per employee ($millions) | 7.6024% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,201 |
| Loan loss allowance to noncurrent loans | 402.4416% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 2,728 |
| Noncurrent loans to loans | 0.4065% | 2,648 |
| Net loans and leases to total assets | 61.6983% | 2,317 |
| Net loans and leases to deposits | 75.0972% | 2,009 |
| Net loans and leases to core deposits | 78.0250% | 2,183 |
| Total domestic deposits to total assets | 82.1580% | 3,862 |
| Equity capital to assets | 12.3681% | 1,124 |
| Core capital (leverage) ratio | 8.9862% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7002% | 2,405 |
| Memoranda: | ||
| Average total assets | $38,639,379,500 | 61 |
| Average earning assets | $33,928,815,000 | 60 |
| Average equity | $4,846,827,000 | 59 |
| Average total loans | $24,899,472,000 | 55 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 3,940 |
| Cost of funding earning assets | 0.2750% | 4,275 |
| Net interest margin | 3.2663% | 3,166 |
| Noninterest income to average assets | 1.1470% | 823 |
| Noninterest expense to average assets | 2.7932% | 1,959 |
| Loan and lease loss provision to assets | 0.6698% | 257 |
| Net operating income to assets | 0.5265% | 3,969 |
| Return on assets (ROA) | 0.5291% | 4,054 |
| Pretax return on assets | 0.5037% | 4,262 |
| Return on Equity (ROE) | 3.9445% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.6832% | 3,957 |
| Net charge-offs to loans | 0.0140% | 2,846 |
| Credit loss provision to net charge-offs | 7,057.1681% | 153 |
| Earnings coverage of net charge-offs (x) | 123.3756% | 693 |
| Efficiency ratio | 68.1754% | 2,217 |
| Assets per employee ($millions) | 7.2680% | 1,411 |
| Cash dividends to net income (ytd only)* | 57.3271% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 810 |
| Loan loss allowance to noncurrent loans | 428.2783% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 2,733 |
| Noncurrent loans to loans | 0.4279% | 2,697 |
| Net loans and leases to total assets | 65.0312% | 2,223 |
| Net loans and leases to deposits | 79.7175% | 1,895 |
| Net loans and leases to core deposits | 83.5341% | 2,079 |
| Total domestic deposits to total assets | 81.5770% | 3,748 |
| Equity capital to assets | 12.7284% | 1,214 |
| Core capital (leverage) ratio | 8.7058% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3301% | 2,509 |
| Memoranda: | ||
| Average total assets | $29,766,993,600 | 73 |
| Average earning assets | $25,673,349,400 | 75 |
| Average equity | $3,993,172,400 | 64 |
| Average total loans | $20,218,589,400 | 70 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,242 |
| Cost of funding earning assets | 0.3045% | 4,293 |
| Net interest margin | 3.1734% | 3,557 |
| Noninterest income to average assets | 1.1213% | 831 |
| Noninterest expense to average assets | 2.6285% | 2,452 |
| Loan and lease loss provision to assets | 0.8703% | 192 |
| Net operating income to assets | 0.3040% | 4,442 |
| Return on assets (ROA) | 0.3067% | 4,487 |
| Pretax return on assets | 0.3526% | 4,485 |
| Return on Equity (ROE) | 2.2474% | 4,519 |
| Retained earnings to average equity (ytd only) | -0.9269% | 4,609 |
| Net charge-offs to loans | 0.0141% | 2,614 |
| Credit loss provision to net charge-offs | 9,029.3181% | 133 |
| Earnings coverage of net charge-offs (x) | 126.5570% | 672 |
| Efficiency ratio | 66.1545% | 2,450 |
| Assets per employee ($millions) | 7.1636% | 1,391 |
| Cash dividends to net income (ytd only)* | 141.2413% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 876 |
| Loan loss allowance to noncurrent loans | 391.6928% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,810 |
| Noncurrent loans to loans | 0.4374% | 2,748 |
| Net loans and leases to total assets | 66.9572% | 2,387 |
| Net loans and leases to deposits | 84.1279% | 1,898 |
| Net loans and leases to core deposits | 88.2599% | 2,122 |
| Total domestic deposits to total assets | 79.5898% | 3,942 |
| Equity capital to assets | 12.3975% | 1,469 |
| Core capital (leverage) ratio | 8.4619% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8046% | 2,682 |
| Memoranda: | ||
| Average total assets | $27,791,243,000 | 76 |
| Average earning assets | $23,881,644,250 | 78 |
| Average equity | $3,792,764,750 | 66 |
| Average total loans | $19,034,601,500 | 72 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 4,772 |
| Cost of funding earning assets | 0.3310% | 4,360 |
| Net interest margin | 2.8007% | 4,449 |
| Noninterest income to average assets | 0.9011% | 1,169 |
| Noninterest expense to average assets | 2.3247% | 3,458 |
| Loan and lease loss provision to assets | 1.4190% | 95 |
| Net operating income to assets | -0.3358% | 4,886 |
| Return on assets (ROA) | -0.3318% | 4,885 |
| Pretax return on assets | -0.4435% | 4,890 |
| Return on Equity (ROE) | -2.3217% | 4,880 |
| Retained earnings to average equity (ytd only) | -7.4839% | 4,862 |
| Net charge-offs to loans | 0.0168% | 2,393 |
| Credit loss provision to net charge-offs | 12,276.4664% | 97 |
| Earnings coverage of net charge-offs (x) | 83.9498% | 783 |
| Efficiency ratio | 68.6483% | 2,150 |
| Assets per employee ($millions) | 6.9881% | 1,445 |
| Cash dividends to net income (ytd only)* | -222.3407% | 5,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 885 |
| Loan loss allowance to noncurrent loans | 352.7204% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 2,803 |
| Noncurrent loans to loans | 0.4720% | 2,735 |
| Net loans and leases to total assets | 68.0451% | 2,346 |
| Net loans and leases to deposits | 85.5442% | 1,822 |
| Net loans and leases to core deposits | 90.4000% | 2,042 |
| Total domestic deposits to total assets | 79.5438% | 3,932 |
| Equity capital to assets | 12.1071% | 1,601 |
| Core capital (leverage) ratio | 13.7046% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7519% | 3,032 |
| Memoranda: | ||
| Average total assets | $24,482,908,000 | 81 |
| Average earning assets | $20,926,760,667 | 82 |
| Average equity | $3,498,398,000 | 69 |
| Average total loans | $16,814,837,667 | 77 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 1,597 |
| Cost of funding earning assets | 0.5914% | 3,479 |
| Net interest margin | 4.1447% | 1,037 |
| Noninterest income to average assets | 1.2502% | 561 |
| Noninterest expense to average assets | 2.7270% | 2,640 |
| Loan and lease loss provision to assets | 1.0057% | 211 |
| Net operating income to assets | 0.8237% | 2,818 |
| Return on assets (ROA) | 0.8237% | 2,904 |
| Pretax return on assets | 0.9968% | 2,849 |
| Return on Equity (ROE) | 4.9644% | 3,646 |
| Retained earnings to average equity (ytd only) | 0.9159% | 3,768 |
| Net charge-offs to loans | 0.0475% | 1,538 |
| Credit loss provision to net charge-offs | 3,110.3878% | 251 |
| Earnings coverage of net charge-offs (x) | 61.9314% | 791 |
| Efficiency ratio | 55.5122% | 4,256 |
| Assets per employee ($millions) | 6.7431% | 1,213 |
| Cash dividends to net income (ytd only)* | 81.5505% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,159 |
| Loan loss allowance to noncurrent loans | 199.2418% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,557 |
| Noncurrent loans to loans | 0.6522% | 2,360 |
| Net loans and leases to total assets | 64.8533% | 2,961 |
| Net loans and leases to deposits | 85.3516% | 2,074 |
| Net loans and leases to core deposits | 96.3063% | 1,764 |
| Total domestic deposits to total assets | 75.9837% | 4,488 |
| Equity capital to assets | 15.9280% | 598 |
| Core capital (leverage) ratio | 10.2379% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7711% | 3,161 |
| Memoranda: | ||
| Average total assets | $17,863,523,000 | 98 |
| Average earning assets | $14,995,663,500 | 103 |
| Average equity | $2,964,092,500 | 74 |
| Average total loans | $12,171,078,000 | 97 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 833 |
| Cost of funding earning assets | 0.7340% | 3,002 |
| Net interest margin | 4.5583% | 633 |
| Noninterest income to average assets | 1.0742% | 824 |
| Noninterest expense to average assets | 2.9034% | 2,281 |
| Loan and lease loss provision to assets | 0.0692% | 2,625 |
| Net operating income to assets | 1.5142% | 1,017 |
| Return on assets (ROA) | 1.5069% | 1,102 |
| Pretax return on assets | 1.9693% | 639 |
| Return on Equity (ROE) | 8.9400% | 2,782 |
| Retained earnings to average equity (ytd only) | 3.4709% | 3,273 |
| Net charge-offs to loans | 0.0919% | 1,809 |
| Credit loss provision to net charge-offs | 109.1237% | 2,281 |
| Earnings coverage of net charge-offs (x) | 32.2591% | 1,508 |
| Efficiency ratio | 56.5472% | 4,141 |
| Assets per employee ($millions) | 6.2178% | 1,474 |
| Cash dividends to net income (ytd only)* | 61.1751% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 5,019 |
| Loan loss allowance to noncurrent loans | 80.2099% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,113 |
| Noncurrent loans to loans | 0.4179% | 2,945 |
| Net loans and leases to total assets | 70.5290% | 2,310 |
| Net loans and leases to deposits | 91.9406% | 1,375 |
| Net loans and leases to core deposits | 98.7732% | 1,670 |
| Total domestic deposits to total assets | 76.7115% | 4,521 |
| Equity capital to assets | 17.3144% | 428 |
| Core capital (leverage) ratio | 10.2095% | 3,287 |
| Tier 1 risk-based capital ratio | 11.8845% | 4,433 |
| Total risk-based capital ratio | 12.1809% | 4,788 |
| Memoranda: | ||
| Average total assets | $15,295,610,600 | 101 |
| Average earning assets | $13,002,864,200 | 108 |
| Average equity | $2,578,143,200 | 84 |
| Average total loans | $10,551,123,400 | 106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 818 |
| Cost of funding earning assets | 0.7472% | 2,980 |
| Net interest margin | 4.5771% | 643 |
| Noninterest income to average assets | 1.0285% | 882 |
| Noninterest expense to average assets | 2.9819% | 2,024 |
| Loan and lease loss provision to assets | 0.0677% | 2,530 |
| Net operating income to assets | 1.4291% | 1,390 |
| Return on assets (ROA) | 1.4190% | 1,470 |
| Pretax return on assets | 1.8606% | 960 |
| Return on Equity (ROE) | 8.4853% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.1111% | 3,847 |
| Net charge-offs to loans | 0.0698% | 1,830 |
| Credit loss provision to net charge-offs | 141.8062% | 1,710 |
| Earnings coverage of net charge-offs (x) | 40.5782% | 1,367 |
| Efficiency ratio | 58.5091% | 3,862 |
| Assets per employee ($millions) | 6.4359% | 1,309 |
| Cash dividends to net income (ytd only)* | 63.3356% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3487% | 5,092 |
| Loan loss allowance to noncurrent loans | 82.4041% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 3,218 |
| Noncurrent loans to loans | 0.4232% | 3,035 |
| Net loans and leases to total assets | 68.9268% | 2,637 |
| Net loans and leases to deposits | 89.7551% | 1,729 |
| Net loans and leases to core deposits | 97.1741% | 1,888 |
| Total domestic deposits to total assets | 76.7943% | 4,542 |
| Equity capital to assets | 16.8408% | 502 |
| Core capital (leverage) ratio | 10.0416% | 3,602 |
| Tier 1 risk-based capital ratio | 11.7316% | 4,559 |
| Total risk-based capital ratio | 12.0413% | 4,895 |
| Memoranda: | ||
| Average total assets | $14,835,451,000 | 105 |
| Average earning assets | $12,614,038,250 | 110 |
| Average equity | $2,480,919,000 | 86 |
| Average total loans | $10,157,235,500 | 108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3530% | 731 |
| Cost of funding earning assets | 0.7193% | 3,052 |
| Net interest margin | 4.6337% | 573 |
| Noninterest income to average assets | 0.9501% | 972 |
| Noninterest expense to average assets | 2.9399% | 2,167 |
| Loan and lease loss provision to assets | 0.0550% | 2,725 |
| Net operating income to assets | 1.4569% | 1,275 |
| Return on assets (ROA) | 1.4492% | 1,350 |
| Pretax return on assets | 1.8989% | 837 |
| Return on Equity (ROE) | 8.6913% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.6878% | 2,425 |
| Net charge-offs to loans | 0.0622% | 1,756 |
| Credit loss provision to net charge-offs | 129.8447% | 1,666 |
| Earnings coverage of net charge-offs (x) | 46.2806% | 1,153 |
| Efficiency ratio | 57.8652% | 4,032 |
| Assets per employee ($millions) | 8.1413% | 639 |
| Cash dividends to net income (ytd only)* | 34.5577% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3443% | 5,146 |
| Loan loss allowance to noncurrent loans | 105.5130% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,527 |
| Noncurrent loans to loans | 0.3263% | 3,362 |
| Net loans and leases to total assets | 69.1231% | 2,657 |
| Net loans and leases to deposits | 89.0221% | 1,858 |
| Net loans and leases to core deposits | 96.4235% | 2,026 |
| Total domestic deposits to total assets | 77.6471% | 4,460 |
| Equity capital to assets | 17.2290% | 447 |
| Core capital (leverage) ratio | 10.3225% | 3,262 |
| Tier 1 risk-based capital ratio | 12.1810% | 4,311 |
| Total risk-based capital ratio | 12.4918% | 4,703 |
| Memoranda: | ||
| Average total assets | $13,977,569,000 | 111 |
| Average earning assets | $11,919,049,330 | 115 |
| Average equity | $2,330,615,000 | 87 |
| Average total loans | $9,529,141,000 | 112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 1,330 |
| Cost of funding earning assets | 0.6570% | 3,278 |
| Net interest margin | 4.3478% | 1,012 |
| Noninterest income to average assets | 0.9295% | 972 |
| Noninterest expense to average assets | 2.6896% | 2,939 |
| Loan and lease loss provision to assets | 0.0338% | 2,952 |
| Net operating income to assets | 1.4658% | 1,192 |
| Return on assets (ROA) | 1.4671% | 1,218 |
| Pretax return on assets | 1.9166% | 763 |
| Return on Equity (ROE) | 9.0035% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.5253% | 1,834 |
| Net charge-offs to loans | 0.0368% | 1,746 |
| Credit loss provision to net charge-offs | 136.5759% | 1,314 |
| Earnings coverage of net charge-offs (x) | 78.7030% | 777 |
| Efficiency ratio | 56.0364% | 4,331 |
| Assets per employee ($millions) | 6.0174% | 1,529 |
| Cash dividends to net income (ytd only)* | 16.4186% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 5,106 |
| Loan loss allowance to noncurrent loans | 93.0679% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 3,018 |
| Noncurrent loans to loans | 0.5124% | 2,778 |
| Net loans and leases to total assets | 66.4322% | 2,985 |
| Net loans and leases to deposits | 85.7157% | 2,166 |
| Net loans and leases to core deposits | 93.1261% | 2,198 |
| Total domestic deposits to total assets | 77.5030% | 4,591 |
| Equity capital to assets | 16.3634% | 522 |
| Core capital (leverage) ratio | 10.2930% | 3,283 |
| Tier 1 risk-based capital ratio | 12.6214% | 4,084 |
| Total risk-based capital ratio | 13.0501% | 4,470 |
| Memoranda: | ||
| Average total assets | $12,454,616,000 | 123 |
| Average earning assets | $10,624,665,000 | 126 |
| Average equity | $2,029,433,000 | 104 |
| Average total loans | $8,389,812,000 | 128 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 820 |
| Cost of funding earning assets | 0.4867% | 3,434 |
| Net interest margin | 4.6260% | 570 |
| Noninterest income to average assets | 0.9794% | 987 |
| Noninterest expense to average assets | 2.9509% | 2,187 |
| Loan and lease loss provision to assets | 0.0789% | 2,550 |
| Net operating income to assets | 1.4819% | 1,167 |
| Return on assets (ROA) | 1.4818% | 1,150 |
| Pretax return on assets | 1.9416% | 645 |
| Return on Equity (ROE) | 9.7529% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,484 |
| Net charge-offs to loans | 0.0189% | 3,070 |
| Credit loss provision to net charge-offs | 618.8947% | 556 |
| Earnings coverage of net charge-offs (x) | 158.5810% | 542 |
| Efficiency ratio | 57.4391% | 4,227 |
| Assets per employee ($millions) | 5.8338% | 1,642 |
| Cash dividends to net income (ytd only)* | 43.6676% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 5,148 |
| Loan loss allowance to noncurrent loans | 105.2789% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 3,231 |
| Noncurrent loans to loans | 0.4507% | 2,921 |
| Net loans and leases to total assets | 67.6657% | 2,925 |
| Net loans and leases to deposits | 87.9695% | 2,046 |
| Net loans and leases to core deposits | 94.5780% | 2,180 |
| Total domestic deposits to total assets | 76.9195% | 4,641 |
| Equity capital to assets | 16.2244% | 500 |
| Core capital (leverage) ratio | 9.9871% | 3,590 |
| Tier 1 risk-based capital ratio | 12.1247% | 4,346 |
| Total risk-based capital ratio | 12.5486% | 4,722 |
| Memoranda: | ||
| Average total assets | $10,509,009,000 | 129 |
| Average earning assets | $9,068,715,800 | 134 |
| Average equity | $1,596,681,000 | 117 |
| Average total loans | $7,083,612,600 | 142 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 816 |
| Cost of funding earning assets | 0.4355% | 3,622 |
| Net interest margin | 4.6292% | 558 |
| Noninterest income to average assets | 0.9322% | 1,102 |
| Noninterest expense to average assets | 3.0505% | 1,876 |
| Loan and lease loss provision to assets | 0.0820% | 2,310 |
| Net operating income to assets | 1.3837% | 1,543 |
| Return on assets (ROA) | 1.3834% | 1,548 |
| Pretax return on assets | 1.8063% | 999 |
| Return on Equity (ROE) | 9.2989% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.8423% | 3,322 |
| Net charge-offs to loans | 0.0039% | 3,329 |
| Credit loss provision to net charge-offs | 3,138.5787% | 137 |
| Earnings coverage of net charge-offs (x) | 722.9495% | 119 |
| Efficiency ratio | 59.8750% | 3,829 |
| Assets per employee ($millions) | 5.9521% | 1,523 |
| Cash dividends to net income (ytd only)* | 47.9262% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 5,222 |
| Loan loss allowance to noncurrent loans | 107.1636% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,348 |
| Noncurrent loans to loans | 0.4383% | 3,087 |
| Net loans and leases to total assets | 67.0707% | 3,064 |
| Net loans and leases to deposits | 86.7479% | 2,288 |
| Net loans and leases to core deposits | 93.4515% | 2,357 |
| Total domestic deposits to total assets | 77.3168% | 4,588 |
| Equity capital to assets | 15.9030% | 562 |
| Core capital (leverage) ratio | 10.9096% | 2,668 |
| Tier 1 risk-based capital ratio | 11.9576% | 4,524 |
| Total risk-based capital ratio | 12.3798% | 4,877 |
| Memoranda: | ||
| Average total assets | $10,054,545,750 | 132 |
| Average earning assets | $8,702,753,000 | 139 |
| Average equity | $1,495,860,500 | 122 |
| Average total loans | $6,759,308,750 | 146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 466 |
| Cost of funding earning assets | 0.4052% | 3,688 |
| Net interest margin | 4.8995% | 301 |
| Noninterest income to average assets | 0.9365% | 1,084 |
| Noninterest expense to average assets | 3.2897% | 1,346 |
| Loan and lease loss provision to assets | 0.0908% | 2,110 |
| Net operating income to assets | 1.3978% | 1,452 |
| Return on assets (ROA) | 1.3974% | 1,454 |
| Pretax return on assets | 1.8188% | 920 |
| Return on Equity (ROE) | 9.6856% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.6856% | 1,015 |
| Net charge-offs to loans | -0.0136% | 4,426 |
| Credit loss provision to net charge-offs | -996.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3882% | 3,714 |
| Assets per employee ($millions) | 6.2455% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 5,220 |
| Loan loss allowance to noncurrent loans | 100.8015% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 3,116 |
| Noncurrent loans to loans | 0.5254% | 2,847 |
| Net loans and leases to total assets | 66.8841% | 3,030 |
| Net loans and leases to deposits | 85.5741% | 2,364 |
| Net loans and leases to core deposits | 91.9615% | 2,403 |
| Total domestic deposits to total assets | 78.1593% | 4,560 |
| Equity capital to assets | 15.0054% | 684 |
| Core capital (leverage) ratio | 9.6284% | 3,965 |
| Tier 1 risk-based capital ratio | 11.8311% | 4,602 |
| Total risk-based capital ratio | 12.3050% | 4,920 |
| Memoranda: | ||
| Average total assets | $9,318,948,330 | 141 |
| Average earning assets | $8,108,910,330 | 146 |
| Average equity | $1,344,507,330 | 128 |
| Average total loans | $6,258,221,670 | 152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 300 |
| Cost of funding earning assets | 0.3827% | 3,713 |
| Net interest margin | 5.0721% | 205 |
| Noninterest income to average assets | 0.9610% | 999 |
| Noninterest expense to average assets | 3.4077% | 1,153 |
| Loan and lease loss provision to assets | 0.0597% | 2,576 |
| Net operating income to assets | 1.4910% | 1,104 |
| Return on assets (ROA) | 1.4902% | 1,112 |
| Pretax return on assets | 1.9207% | 687 |
| Return on Equity (ROE) | 10.5847% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.5847% | 996 |
| Net charge-offs to loans | -0.0208% | 4,579 |
| Credit loss provision to net charge-offs | -427.6316% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2669% | 3,904 |
| Assets per employee ($millions) | 5.9227% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 5,332 |
| Loan loss allowance to noncurrent loans | 83.3870% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,991 |
| Noncurrent loans to loans | 0.5978% | 2,751 |
| Net loans and leases to total assets | 66.3337% | 2,982 |
| Net loans and leases to deposits | 84.6661% | 2,324 |
| Net loans and leases to core deposits | 91.2106% | 2,356 |
| Total domestic deposits to total assets | 78.3474% | 4,675 |
| Equity capital to assets | 14.9683% | 681 |
| Core capital (leverage) ratio | 9.3476% | 4,258 |
| Tier 1 risk-based capital ratio | 11.6448% | 4,774 |
| Total risk-based capital ratio | 12.0937% | 5,117 |
| Memoranda: | ||
| Average total assets | $8,716,613,000 | 149 |
| Average earning assets | $7,609,910,000 | 154 |
| Average equity | $1,227,205,500 | 137 |
| Average total loans | $5,849,279,000 | 157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,467 |
| Cost of funding earning assets | 0.2614% | 4,469 |
| Net interest margin | 4.3257% | 913 |
| Noninterest income to average assets | 1.0176% | 982 |
| Noninterest expense to average assets | 2.9419% | 2,310 |
| Loan and lease loss provision to assets | 0.0799% | 2,604 |
| Net operating income to assets | 0.9409% | 2,490 |
| Return on assets (ROA) | 0.9408% | 2,523 |
| Pretax return on assets | 1.8400% | 709 |
| Return on Equity (ROE) | 7.6301% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.3236% | 1,367 |
| Net charge-offs to loans | -0.0196% | 4,950 |
| Credit loss provision to net charge-offs | -600.3632% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1612% | 4,391 |
| Assets per employee ($millions) | 5.9300% | 1,568 |
| Cash dividends to net income (ytd only)* | 17.1227% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,101 |
| Loan loss allowance to noncurrent loans | 132.6395% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 3,232 |
| Noncurrent loans to loans | 0.5163% | 2,969 |
| Net loans and leases to total assets | 67.2838% | 2,916 |
| Net loans and leases to deposits | 85.5355% | 2,320 |
| Net loans and leases to core deposits | 91.4180% | 2,422 |
| Total domestic deposits to total assets | 78.6618% | 4,613 |
| Equity capital to assets | 12.7767% | 1,366 |
| Core capital (leverage) ratio | 9.3916% | 4,174 |
| Tier 1 risk-based capital ratio | 11.5421% | 4,820 |
| Total risk-based capital ratio | 12.1519% | 5,086 |
| Memoranda: | ||
| Average total assets | $6,207,504,800 | 185 |
| Average earning assets | $5,516,735,000 | 183 |
| Average equity | $765,414,000 | 177 |
| Average total loans | $4,219,284,600 | 182 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,333 |
| Cost of funding earning assets | 0.2499% | 4,568 |
| Net interest margin | 4.3635% | 799 |
| Noninterest income to average assets | 1.0239% | 976 |
| Noninterest expense to average assets | 2.9947% | 2,123 |
| Loan and lease loss provision to assets | 0.0888% | 2,300 |
| Net operating income to assets | 1.2066% | 1,665 |
| Return on assets (ROA) | 1.2066% | 1,700 |
| Pretax return on assets | 1.8192% | 843 |
| Return on Equity (ROE) | 9.8912% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.8912% | 609 |
| Net charge-offs to loans | -0.0260% | 4,945 |
| Credit loss provision to net charge-offs | -501.3819% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7491% | 4,260 |
| Assets per employee ($millions) | 5.7513% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 5,189 |
| Loan loss allowance to noncurrent loans | 103.2613% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,906 |
| Noncurrent loans to loans | 0.6565% | 2,735 |
| Net loans and leases to total assets | 68.4035% | 2,784 |
| Net loans and leases to deposits | 85.8774% | 2,307 |
| Net loans and leases to core deposits | 91.9477% | 2,448 |
| Total domestic deposits to total assets | 79.6525% | 4,405 |
| Equity capital to assets | 13.4135% | 1,195 |
| Core capital (leverage) ratio | 9.5495% | 4,095 |
| Tier 1 risk-based capital ratio | 11.8405% | 4,737 |
| Total risk-based capital ratio | 12.4515% | 5,032 |
| Memoranda: | ||
| Average total assets | $5,990,763,500 | 188 |
| Average earning assets | $5,325,426,000 | 187 |
| Average equity | $730,797,000 | 178 |
| Average total loans | $4,075,908,750 | 187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 1,315 |
| Cost of funding earning assets | 0.2294% | 4,721 |
| Net interest margin | 4.3435% | 774 |
| Noninterest income to average assets | 1.0423% | 942 |
| Noninterest expense to average assets | 3.1746% | 1,639 |
| Loan and lease loss provision to assets | 0.1013% | 1,993 |
| Net operating income to assets | 1.1039% | 1,953 |
| Return on assets (ROA) | 1.1039% | 2,002 |
| Pretax return on assets | 1.6470% | 1,202 |
| Return on Equity (ROE) | 9.4225% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.4225% | 724 |
| Net charge-offs to loans | -0.0102% | 4,540 |
| Credit loss provision to net charge-offs | -1,461.6162% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2050% | 3,802 |
| Assets per employee ($millions) | 5.7606% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 5,306 |
| Loan loss allowance to noncurrent loans | 92.6583% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,838 |
| Noncurrent loans to loans | 0.6984% | 2,655 |
| Net loans and leases to total assets | 68.4497% | 2,743 |
| Net loans and leases to deposits | 84.4299% | 2,416 |
| Net loans and leases to core deposits | 90.2853% | 2,491 |
| Total domestic deposits to total assets | 81.0728% | 4,164 |
| Equity capital to assets | 13.1894% | 1,284 |
| Core capital (leverage) ratio | 9.6107% | 4,010 |
| Tier 1 risk-based capital ratio | 11.4401% | 4,993 |
| Total risk-based capital ratio | 12.0229% | 5,279 |
| Memoranda: | ||
| Average total assets | $5,715,916,670 | 192 |
| Average earning assets | $5,106,616,670 | 191 |
| Average equity | $669,673,000 | 189 |
| Average total loans | $3,869,969,330 | 196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 1,628 |
| Cost of funding earning assets | 0.2108% | 4,877 |
| Net interest margin | 4.1959% | 1,001 |
| Noninterest income to average assets | 1.0794% | 859 |
| Noninterest expense to average assets | 2.8658% | 2,561 |
| Loan and lease loss provision to assets | 0.0766% | 2,281 |
| Net operating income to assets | 1.3034% | 1,230 |
| Return on assets (ROA) | 1.3034% | 1,264 |
| Pretax return on assets | 1.9108% | 610 |
| Return on Equity (ROE) | 12.1161% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.1161% | 461 |
| Net charge-offs to loans | 0.0248% | 2,263 |
| Credit loss provision to net charge-offs | 460.6481% | 599 |
| Earnings coverage of net charge-offs (x) | 119.5046% | 458 |
| Efficiency ratio | 57.8393% | 4,736 |
| Assets per employee ($millions) | 5.3742% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,097 |
| Loan loss allowance to noncurrent loans | 98.6032% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 2,635 |
| Noncurrent loans to loans | 0.8008% | 2,455 |
| Net loans and leases to total assets | 65.6844% | 3,024 |
| Net loans and leases to deposits | 81.2812% | 2,592 |
| Net loans and leases to core deposits | 85.1992% | 2,793 |
| Total domestic deposits to total assets | 80.8114% | 4,460 |
| Equity capital to assets | 10.6970% | 2,965 |
| Core capital (leverage) ratio | 8.6458% | 5,106 |
| Tier 1 risk-based capital ratio | 11.1535% | 5,228 |
| Total risk-based capital ratio | 11.8595% | 5,412 |
| Memoranda: | ||
| Average total assets | $5,195,276,000 | 207 |
| Average earning assets | $4,672,696,000 | 206 |
| Average equity | $558,892,500 | 215 |
| Average total loans | $3,477,250,000 | 217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,709 |
| Cost of funding earning assets | 0.1908% | 5,102 |
| Net interest margin | 4.2496% | 1,013 |
| Noninterest income to average assets | 1.2857% | 686 |
| Noninterest expense to average assets | 3.5580% | 1,070 |
| Loan and lease loss provision to assets | 0.1032% | 2,321 |
| Net operating income to assets | 0.9226% | 2,711 |
| Return on assets (ROA) | 0.9228% | 2,830 |
| Pretax return on assets | 1.4161% | 1,874 |
| Return on Equity (ROE) | 8.4593% | 2,699 |
| Retained earnings to average equity (ytd only) | -2.6001% | 5,566 |
| Net charge-offs to loans | 0.0059% | 4,050 |
| Credit loss provision to net charge-offs | 2,682.7027% | 151 |
| Earnings coverage of net charge-offs (x) | 394.7514% | 206 |
| Efficiency ratio | 68.8200% | 3,102 |
| Assets per employee ($millions) | 5.3651% | 1,992 |
| Cash dividends to net income (ytd only)* | 130.7366% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,138 |
| Loan loss allowance to noncurrent loans | 92.5727% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 2,581 |
| Noncurrent loans to loans | 0.8509% | 2,403 |
| Net loans and leases to total assets | 67.1574% | 2,905 |
| Net loans and leases to deposits | 81.9346% | 2,677 |
| Net loans and leases to core deposits | 86.0569% | 2,843 |
| Total domestic deposits to total assets | 81.9645% | 4,086 |
| Equity capital to assets | 10.8215% | 2,795 |
| Core capital (leverage) ratio | 8.5313% | 5,234 |
| Tier 1 risk-based capital ratio | 11.0828% | 5,296 |
| Total risk-based capital ratio | 11.7892% | 5,487 |
| Memoranda: | ||
| Average total assets | $4,807,455,600 | 206 |
| Average earning assets | $4,289,013,600 | 205 |
| Average equity | $524,439,200 | 210 |
| Average total loans | $3,134,679,200 | 225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 1,814 |
| Cost of funding earning assets | 0.1854% | 5,216 |
| Net interest margin | 4.2301% | 1,057 |
| Noninterest income to average assets | 1.2682% | 723 |
| Noninterest expense to average assets | 3.7447% | 796 |
| Loan and lease loss provision to assets | 0.0758% | 2,706 |
| Net operating income to assets | 0.7942% | 3,394 |
| Return on assets (ROA) | 0.7944% | 3,535 |
| Pretax return on assets | 1.2170% | 2,768 |
| Return on Equity (ROE) | 7.2665% | 3,419 |
| Retained earnings to average equity (ytd only) | -7.6513% | 5,809 |
| Net charge-offs to loans | -0.0235% | 5,067 |
| Credit loss provision to net charge-offs | -500.3711% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0671% | 2,430 |
| Assets per employee ($millions) | 5.4348% | 1,920 |
| Cash dividends to net income (ytd only)* | 205.2952% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 5,263 |
| Loan loss allowance to noncurrent loans | 96.3890% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,790 |
| Noncurrent loans to loans | 0.8022% | 2,661 |
| Net loans and leases to total assets | 65.3531% | 3,229 |
| Net loans and leases to deposits | 80.6204% | 2,895 |
| Net loans and leases to core deposits | 85.0854% | 3,032 |
| Total domestic deposits to total assets | 81.0628% | 4,233 |
| Equity capital to assets | 10.9435% | 3,069 |
| Core capital (leverage) ratio | 8.3602% | 5,457 |
| Tier 1 risk-based capital ratio | 10.9062% | 5,423 |
| Total risk-based capital ratio | 11.5910% | 5,608 |
| Memoranda: | ||
| Average total assets | $4,741,808,000 | 210 |
| Average earning assets | $4,224,888,250 | 207 |
| Average equity | $518,385,750 | 214 |
| Average total loans | $3,060,363,250 | 227 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,764 |
| Cost of funding earning assets | 0.1827% | 5,297 |
| Net interest margin | 4.2402% | 1,036 |
| Noninterest income to average assets | 1.2994% | 679 |
| Noninterest expense to average assets | 4.2063% | 487 |
| Loan and lease loss provision to assets | 0.0611% | 2,910 |
| Net operating income to assets | 0.5242% | 4,589 |
| Return on assets (ROA) | 0.5242% | 4,714 |
| Pretax return on assets | 0.8090% | 4,247 |
| Return on Equity (ROE) | 4.7964% | 4,604 |
| Retained earnings to average equity (ytd only) | -18.0118% | 5,960 |
| Net charge-offs to loans | -0.0327% | 5,165 |
| Credit loss provision to net charge-offs | -291.9918% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5954% | 1,318 |
| Assets per employee ($millions) | 5.6089% | 1,696 |
| Cash dividends to net income (ytd only)* | 475.5268% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 5,390 |
| Loan loss allowance to noncurrent loans | 72.1796% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 2,320 |
| Noncurrent loans to loans | 1.0465% | 2,191 |
| Net loans and leases to total assets | 63.6753% | 3,413 |
| Net loans and leases to deposits | 76.8029% | 3,294 |
| Net loans and leases to core deposits | 81.1280% | 3,354 |
| Total domestic deposits to total assets | 82.9073% | 3,689 |
| Equity capital to assets | 10.6422% | 3,482 |
| Core capital (leverage) ratio | 8.0232% | 5,717 |
| Tier 1 risk-based capital ratio | 10.7485% | 5,554 |
| Total risk-based capital ratio | 11.4180% | 5,740 |
| Memoranda: | ||
| Average total assets | $4,653,920,000 | 213 |
| Average earning assets | $4,145,598,000 | 211 |
| Average equity | $508,590,000 | 216 |
| Average total loans | $2,981,576,000 | 231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,825 |
| Cost of funding earning assets | 0.1775% | 5,394 |
| Net interest margin | 4.2144% | 1,069 |
| Noninterest income to average assets | 1.2077% | 746 |
| Noninterest expense to average assets | 5.4888% | 212 |
| Loan and lease loss provision to assets | 0.0455% | 3,016 |
| Net operating income to assets | -0.3792% | 5,941 |
| Return on assets (ROA) | -0.3792% | 5,949 |
| Pretax return on assets | -0.5706% | 5,979 |
| Return on Equity (ROE) | -3.4199% | 5,947 |
| Retained earnings to average equity (ytd only) | -50.0476% | 6,075 |
| Net charge-offs to loans | -0.0486% | 5,311 |
| Credit loss provision to net charge-offs | -146.1318% | 4,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3627% | 163 |
| Assets per employee ($millions) | 4.9460% | 2,401 |
| Cash dividends to net income (ytd only)* | -1,363.4227% | 6,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 5,530 |
| Loan loss allowance to noncurrent loans | 61.0200% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 2,041 |
| Noncurrent loans to loans | 1.2025% | 2,022 |
| Net loans and leases to total assets | 63.0378% | 3,379 |
| Net loans and leases to deposits | 76.3796% | 3,176 |
| Net loans and leases to core deposits | 80.9255% | 3,242 |
| Total domestic deposits to total assets | 82.5323% | 4,056 |
| Equity capital to assets | 10.2830% | 3,764 |
| Core capital (leverage) ratio | 8.7813% | 5,090 |
| Tier 1 risk-based capital ratio | 10.4734% | 5,763 |
| Total risk-based capital ratio | 11.1282% | 5,905 |
| Memoranda: | ||
| Average total assets | $4,487,730,500 | 219 |
| Average earning assets | $3,999,524,500 | 218 |
| Average equity | $497,558,000 | 222 |
| Average total loans | $2,872,761,500 | 234 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 995 |
| Cost of funding earning assets | 0.1835% | 5,415 |
| Net interest margin | 4.5745% | 577 |
| Noninterest income to average assets | 0.9207% | 1,376 |
| Noninterest expense to average assets | 3.1268% | 2,158 |
| Loan and lease loss provision to assets | 0.1155% | 2,071 |
| Net operating income to assets | 1.0951% | 1,953 |
| Return on assets (ROA) | 1.0952% | 2,019 |
| Pretax return on assets | 1.7285% | 934 |
| Return on Equity (ROE) | 9.2054% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.2054% | 607 |
| Net charge-offs to loans | 0.0844% | 2,630 |
| Credit loss provision to net charge-offs | 211.3358% | 1,338 |
| Earnings coverage of net charge-offs (x) | 33.7324% | 1,335 |
| Efficiency ratio | 61.5923% | 4,677 |
| Assets per employee ($millions) | 5.1936% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 5,242 |
| Loan loss allowance to noncurrent loans | 63.2488% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 1,883 |
| Noncurrent loans to loans | 1.3559% | 1,731 |
| Net loans and leases to total assets | 64.0894% | 3,264 |
| Net loans and leases to deposits | 79.9889% | 2,825 |
| Net loans and leases to core deposits | 84.6213% | 2,922 |
| Total domestic deposits to total assets | 80.1229% | 4,713 |
| Equity capital to assets | 12.0806% | 1,897 |
| Core capital (leverage) ratio | 9.8568% | 3,703 |
| Tier 1 risk-based capital ratio | 13.9301% | 3,753 |
| Total risk-based capital ratio | 14.7264% | 3,959 |
| Memoranda: | ||
| Average total assets | $3,889,293,000 | 229 |
| Average earning assets | $3,443,406,400 | 233 |
| Average equity | $462,730,600 | 224 |
| Average total loans | $2,517,605,200 | 244 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 961 |
| Cost of funding earning assets | 0.1856% | 5,497 |
| Net interest margin | 4.5997% | 542 |
| Noninterest income to average assets | 0.9442% | 1,333 |
| Noninterest expense to average assets | 3.1580% | 2,066 |
| Loan and lease loss provision to assets | 0.1365% | 1,643 |
| Net operating income to assets | 1.0856% | 2,070 |
| Return on assets (ROA) | 1.0857% | 2,157 |
| Pretax return on assets | 1.7142% | 1,065 |
| Return on Equity (ROE) | 9.1623% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.1623% | 847 |
| Net charge-offs to loans | 0.0639% | 2,672 |
| Credit loss provision to net charge-offs | 329.7162% | 889 |
| Earnings coverage of net charge-offs (x) | 44.6979% | 1,139 |
| Efficiency ratio | 61.7257% | 4,613 |
| Assets per employee ($millions) | 5.1029% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 5,269 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 1,856 |
| Noncurrent loans to loans | 1.5145% | 1,659 |
| Net loans and leases to total assets | 64.7716% | 3,186 |
| Net loans and leases to deposits | 79.7878% | 2,906 |
| Net loans and leases to core deposits | 84.3698% | 3,002 |
| Total domestic deposits to total assets | 81.1799% | 4,426 |
| Equity capital to assets | 12.0636% | 2,056 |
| Core capital (leverage) ratio | 9.8573% | 3,825 |
| Tier 1 risk-based capital ratio | 13.8413% | 3,944 |
| Total risk-based capital ratio | 14.6764% | 4,106 |
| Memoranda: | ||
| Average total assets | $3,857,958,250 | 234 |
| Average earning assets | $3,408,917,750 | 239 |
| Average equity | $457,165,000 | 230 |
| Average total loans | $2,498,204,000 | 248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 820 |
| Cost of funding earning assets | 0.1896% | 5,530 |
| Net interest margin | 4.6496% | 478 |
| Noninterest income to average assets | 1.0218% | 1,139 |
| Noninterest expense to average assets | 3.2131% | 1,944 |
| Loan and lease loss provision to assets | 0.2059% | 950 |
| Net operating income to assets | 1.0766% | 2,028 |
| Return on assets (ROA) | 1.0766% | 2,132 |
| Pretax return on assets | 1.7007% | 1,088 |
| Return on Equity (ROE) | 9.1412% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.1412% | 879 |
| Net charge-offs to loans | 0.0737% | 2,338 |
| Credit loss provision to net charge-offs | 432.6396% | 699 |
| Earnings coverage of net charge-offs (x) | 40.0526% | 1,130 |
| Efficiency ratio | 61.4294% | 4,765 |
| Assets per employee ($millions) | 4.9847% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 5,279 |
| Loan loss allowance to noncurrent loans | 46.7486% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 1,399 |
| Noncurrent loans to loans | 1.9363% | 1,285 |
| Net loans and leases to total assets | 64.9680% | 3,129 |
| Net loans and leases to deposits | 79.9911% | 2,782 |
| Net loans and leases to core deposits | 84.4203% | 2,938 |
| Total domestic deposits to total assets | 81.2191% | 4,543 |
| Equity capital to assets | 11.9218% | 2,088 |
| Core capital (leverage) ratio | 9.6182% | 4,113 |
| Tier 1 risk-based capital ratio | 13.6669% | 4,118 |
| Total risk-based capital ratio | 14.5285% | 4,288 |
| Memoranda: | ||
| Average total assets | $3,835,912,330 | 236 |
| Average earning assets | $3,380,781,330 | 240 |
| Average equity | $451,757,000 | 233 |
| Average total loans | $2,476,158,000 | 250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 970 |
| Cost of funding earning assets | 0.1940% | 5,562 |
| Net interest margin | 4.5433% | 559 |
| Noninterest income to average assets | 1.0193% | 1,076 |
| Noninterest expense to average assets | 3.2028% | 1,977 |
| Loan and lease loss provision to assets | 0.1718% | 1,146 |
| Net operating income to assets | 1.0340% | 2,099 |
| Return on assets (ROA) | 1.0340% | 2,252 |
| Pretax return on assets | 1.6370% | 1,178 |
| Return on Equity (ROE) | 8.8350% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.8350% | 1,257 |
| Net charge-offs to loans | 0.0913% | 1,805 |
| Credit loss provision to net charge-offs | 293.7388% | 826 |
| Earnings coverage of net charge-offs (x) | 30.9213% | 1,134 |
| Efficiency ratio | 62.5183% | 4,703 |
| Assets per employee ($millions) | 5.0245% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 5,569 |
| Loan loss allowance to noncurrent loans | 35.1325% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.0793% | 1,118 |
| Noncurrent loans to loans | 2.4216% | 1,009 |
| Net loans and leases to total assets | 63.0103% | 3,233 |
| Net loans and leases to deposits | 77.5490% | 2,869 |
| Net loans and leases to core deposits | 81.8547% | 2,977 |
| Total domestic deposits to total assets | 81.2522% | 4,751 |
| Equity capital to assets | 11.6788% | 2,313 |
| Core capital (leverage) ratio | 9.3941% | 4,442 |
| Tier 1 risk-based capital ratio | 13.7620% | 4,177 |
| Total risk-based capital ratio | 14.5822% | 4,323 |
| Memoranda: | ||
| Average total assets | $3,822,312,000 | 237 |
| Average earning assets | $3,358,807,500 | 240 |
| Average equity | $447,359,500 | 232 |
| Average total loans | $2,447,879,500 | 249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 1,138 |
| Cost of funding earning assets | 0.2208% | 5,588 |
| Net interest margin | 4.5678% | 660 |
| Noninterest income to average assets | 0.5909% | 2,911 |
| Noninterest expense to average assets | 3.8074% | 980 |
| Loan and lease loss provision to assets | 0.0247% | 4,108 |
| Net operating income to assets | 0.4715% | 4,919 |
| Return on assets (ROA) | 0.4723% | 5,013 |
| Pretax return on assets | 0.7356% | 4,490 |
| Return on Equity (ROE) | 4.2292% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,178 |
| Net charge-offs to loans | 0.0572% | 3,687 |
| Credit loss provision to net charge-offs | 68.3513% | 3,110 |
| Earnings coverage of net charge-offs (x) | 20.9909% | 1,702 |
| Efficiency ratio | 81.8813% | 1,678 |
| Assets per employee ($millions) | 4.8653% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 5,731 |
| Loan loss allowance to noncurrent loans | 36.4695% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 1,130 |
| Noncurrent loans to loans | 2.2437% | 1,174 |
| Net loans and leases to total assets | 64.0194% | 3,224 |
| Net loans and leases to deposits | 77.8965% | 2,987 |
| Net loans and leases to core deposits | 82.2131% | 3,080 |
| Total domestic deposits to total assets | 82.1851% | 4,357 |
| Equity capital to assets | 11.7298% | 2,226 |
| Core capital (leverage) ratio | 9.4431% | 4,316 |
| Tier 1 risk-based capital ratio | 13.3967% | 4,464 |
| Total risk-based capital ratio | 14.1794% | 4,692 |
| Memoranda: | ||
| Average total assets | $3,338,327,000 | 249 |
| Average earning assets | $2,905,441,800 | 254 |
| Average equity | $372,836,200 | 252 |
| Average total loans | $2,111,036,200 | 261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 1,119 |
| Cost of funding earning assets | 0.2283% | 5,605 |
| Net interest margin | 4.5638% | 661 |
| Noninterest income to average assets | 0.6337% | 2,661 |
| Noninterest expense to average assets | 4.0784% | 702 |
| Loan and lease loss provision to assets | 0.0333% | 3,739 |
| Net operating income to assets | 0.3185% | 5,531 |
| Return on assets (ROA) | 0.3198% | 5,601 |
| Pretax return on assets | 0.4876% | 5,356 |
| Return on Equity (ROE) | 2.9057% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.9057% | 4,529 |
| Net charge-offs to loans | 0.0817% | 3,028 |
| Credit loss provision to net charge-offs | 64.8193% | 2,858 |
| Earnings coverage of net charge-offs (x) | 10.1044% | 2,582 |
| Efficiency ratio | 87.2830% | 1,073 |
| Assets per employee ($millions) | 4.2433% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 5,838 |
| Loan loss allowance to noncurrent loans | 31.9207% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 2.6914% | 941 |
| Noncurrent loans to loans | 2.5500% | 1,139 |
| Net loans and leases to total assets | 66.6122% | 2,755 |
| Net loans and leases to deposits | 78.8071% | 2,862 |
| Net loans and leases to core deposits | 82.4753% | 3,056 |
| Total domestic deposits to total assets | 84.5257% | 3,536 |
| Equity capital to assets | 11.8657% | 2,179 |
| Core capital (leverage) ratio | 8.6694% | 5,483 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,931 |
| Total risk-based capital ratio | 13.6772% | 5,139 |
| Memoranda: | ||
| Average total assets | $3,231,481,000 | 253 |
| Average earning assets | $2,806,626,750 | 260 |
| Average equity | $355,617,750 | 258 |
| Average total loans | $2,031,127,000 | 264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,287 |
| Cost of funding earning assets | 0.2190% | 5,753 |
| Net interest margin | 4.4772% | 737 |
| Noninterest income to average assets | 0.6059% | 2,790 |
| Noninterest expense to average assets | 4.1634% | 628 |
| Loan and lease loss provision to assets | -0.0095% | 6,229 |
| Net operating income to assets | 0.2211% | 5,776 |
| Return on assets (ROA) | 0.2230% | 5,837 |
| Pretax return on assets | 0.3460% | 5,683 |
| Return on Equity (ROE) | 2.0898% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.0898% | 4,854 |
| Net charge-offs to loans | 0.0983% | 2,694 |
| Credit loss provision to net charge-offs | -15.7725% | 5,093 |
| Earnings coverage of net charge-offs (x) | 5.5461% | 2,910 |
| Efficiency ratio | 91.3040% | 816 |
| Assets per employee ($millions) | 4.5322% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 5,972 |
| Loan loss allowance to noncurrent loans | 33.6536% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.5457% | 1,097 |
| Noncurrent loans to loans | 2.3786% | 1,341 |
| Net loans and leases to total assets | 61.1610% | 3,546 |
| Net loans and leases to deposits | 71.9080% | 3,578 |
| Net loans and leases to core deposits | 75.6017% | 3,662 |
| Total domestic deposits to total assets | 85.0544% | 3,477 |
| Equity capital to assets | 10.9731% | 2,902 |
| Core capital (leverage) ratio | 9.8939% | 3,755 |
| Tier 1 risk-based capital ratio | 13.1684% | 4,806 |
| Total risk-based capital ratio | 13.9721% | 5,020 |
| Memoranda: | ||
| Average total assets | $3,099,298,000 | 256 |
| Average earning assets | $2,693,583,000 | 265 |
| Average equity | $330,660,330 | 265 |
| Average total loans | $1,895,987,670 | 271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 545 |
| Cost of funding earning assets | 0.2341% | 5,719 |
| Net interest margin | 4.9098% | 318 |
| Noninterest income to average assets | 0.6565% | 2,422 |
| Noninterest expense to average assets | 4.5074% | 455 |
| Loan and lease loss provision to assets | -0.0083% | 6,392 |
| Net operating income to assets | 0.2548% | 5,649 |
| Return on assets (ROA) | 0.2548% | 5,690 |
| Pretax return on assets | 0.3953% | 5,471 |
| Return on Equity (ROE) | 2.4384% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,608 |
| Net charge-offs to loans | 0.0729% | 2,418 |
| Credit loss provision to net charge-offs | -18.6667% | 4,695 |
| Earnings coverage of net charge-offs (x) | 8.7233% | 1,995 |
| Efficiency ratio | 90.9561% | 958 |
| Assets per employee ($millions) | 4.1545% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,136 |
| Loan loss allowance to noncurrent loans | 24.0886% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 3.5200% | 737 |
| Noncurrent loans to loans | 4.5516% | 521 |
| Net loans and leases to total assets | 59.8913% | 3,578 |
| Net loans and leases to deposits | 70.1432% | 3,587 |
| Net loans and leases to core deposits | 73.9633% | 3,652 |
| Total domestic deposits to total assets | 85.3842% | 3,680 |
| Equity capital to assets | 10.7779% | 2,951 |
| Core capital (leverage) ratio | 8.6512% | 5,456 |
| Tier 1 risk-based capital ratio | 12.8107% | 5,112 |
| Total risk-based capital ratio | 13.8725% | 5,177 |
| Memoranda: | ||
| Average total assets | $2,704,635,500 | 281 |
| Average earning assets | $2,334,529,000 | 287 |
| Average equity | $282,639,000 | 300 |
| Average total loans | $1,645,226,000 | 300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 847 |
| Cost of funding earning assets | 0.2642% | 5,879 |
| Net interest margin | 4.7775% | 450 |
| Noninterest income to average assets | 0.9849% | 1,430 |
| Noninterest expense to average assets | 4.1357% | 746 |
| Loan and lease loss provision to assets | -0.0034% | 6,249 |
| Net operating income to assets | 0.5869% | 4,322 |
| Return on assets (ROA) | 0.6165% | 4,299 |
| Pretax return on assets | 0.9362% | 3,611 |
| Return on Equity (ROE) | 5.4542% | 4,422 |
| Retained earnings to average equity (ytd only) | -7.2613% | 6,475 |
| Net charge-offs to loans | 0.4206% | 1,587 |
| Credit loss provision to net charge-offs | -1.3169% | 5,661 |
| Earnings coverage of net charge-offs (x) | 3.4583% | 3,847 |
| Efficiency ratio | 81.3215% | 1,972 |
| Assets per employee ($millions) | 3.5282% | 4,845 |
| Cash dividends to net income (ytd only)* | 233.1322% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,767 |
| Loan loss allowance to noncurrent loans | 26.0736% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 4.2484% | 606 |
| Noncurrent loans to loans | 5.2744% | 446 |
| Net loans and leases to total assets | 60.3305% | 3,655 |
| Net loans and leases to deposits | 70.6683% | 3,704 |
| Net loans and leases to core deposits | 73.6611% | 3,873 |
| Total domestic deposits to total assets | 85.3714% | 3,566 |
| Equity capital to assets | 10.0422% | 3,711 |
| Core capital (leverage) ratio | 8.3203% | 5,851 |
| Tier 1 risk-based capital ratio | 13.3606% | 4,740 |
| Total risk-based capital ratio | 14.6123% | 4,686 |
| Memoranda: | ||
| Average total assets | $2,365,732,800 | 308 |
| Average earning assets | $1,999,919,400 | 323 |
| Average equity | $267,388,400 | 303 |
| Average total loans | $1,444,268,200 | 318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 844 |
| Cost of funding earning assets | 0.2712% | 5,951 |
| Net interest margin | 4.7818% | 448 |
| Noninterest income to average assets | 1.0836% | 1,248 |
| Noninterest expense to average assets | 4.1452% | 723 |
| Loan and lease loss provision to assets | -0.0149% | 6,476 |
| Net operating income to assets | 0.6440% | 4,155 |
| Return on assets (ROA) | 0.6828% | 4,079 |
| Pretax return on assets | 1.0403% | 3,338 |
| Return on Equity (ROE) | 5.8736% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.8736% | 2,491 |
| Net charge-offs to loans | 0.4663% | 1,379 |
| Credit loss provision to net charge-offs | -5.2338% | 5,587 |
| Earnings coverage of net charge-offs (x) | 3.3974% | 3,714 |
| Efficiency ratio | 80.0897% | 2,083 |
| Assets per employee ($millions) | 3.3822% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 3,691 |
| Loan loss allowance to noncurrent loans | 25.9442% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 4.5915% | 646 |
| Noncurrent loans to loans | 5.5852% | 484 |
| Net loans and leases to total assets | 61.6916% | 3,422 |
| Net loans and leases to deposits | 73.2148% | 3,360 |
| Net loans and leases to core deposits | 76.3714% | 3,580 |
| Total domestic deposits to total assets | 84.2611% | 4,078 |
| Equity capital to assets | 11.7722% | 2,064 |
| Core capital (leverage) ratio | 9.8886% | 3,832 |
| Tier 1 risk-based capital ratio | 15.8458% | 3,274 |
| Total risk-based capital ratio | 17.0986% | 3,226 |
| Memoranda: | ||
| Average total assets | $2,354,732,750 | 310 |
| Average earning assets | $1,983,636,000 | 327 |
| Average equity | $273,738,000 | 299 |
| Average total loans | $1,436,816,250 | 321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 1,066 |
| Cost of funding earning assets | 0.2784% | 5,995 |
| Net interest margin | 4.6344% | 568 |
| Noninterest income to average assets | 1.3457% | 864 |
| Noninterest expense to average assets | 4.1686% | 723 |
| Loan and lease loss provision to assets | 0.0857% | 3,371 |
| Net operating income to assets | 0.6444% | 4,086 |
| Return on assets (ROA) | 0.7015% | 3,976 |
| Pretax return on assets | 1.0719% | 3,207 |
| Return on Equity (ROE) | 6.0598% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.0598% | 2,400 |
| Net charge-offs to loans | 0.5314% | 1,243 |
| Credit loss provision to net charge-offs | 26.6456% | 3,642 |
| Earnings coverage of net charge-offs (x) | 3.3275% | 3,427 |
| Efficiency ratio | 78.5981% | 2,369 |
| Assets per employee ($millions) | 3.3892% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 2,990 |
| Loan loss allowance to noncurrent loans | 26.6234% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 5.1888% | 579 |
| Noncurrent loans to loans | 6.1825% | 436 |
| Net loans and leases to total assets | 60.1428% | 3,631 |
| Net loans and leases to deposits | 71.4130% | 3,528 |
| Net loans and leases to core deposits | 74.2145% | 3,780 |
| Total domestic deposits to total assets | 84.2184% | 4,230 |
| Equity capital to assets | 11.5847% | 2,233 |
| Core capital (leverage) ratio | 9.5755% | 4,113 |
| Tier 1 risk-based capital ratio | 15.8422% | 3,294 |
| Total risk-based capital ratio | 17.0975% | 3,237 |
| Memoranda: | ||
| Average total assets | $2,362,856,670 | 312 |
| Average earning assets | $1,984,652,330 | 330 |
| Average equity | $273,539,000 | 299 |
| Average total loans | $1,429,496,670 | 322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,101 |
| Cost of funding earning assets | 0.2836% | 6,082 |
| Net interest margin | 4.6101% | 553 |
| Noninterest income to average assets | 1.5462% | 643 |
| Noninterest expense to average assets | 4.2214% | 694 |
| Loan and lease loss provision to assets | -0.0481% | 6,790 |
| Net operating income to assets | 0.7999% | 3,169 |
| Return on assets (ROA) | 0.8032% | 3,277 |
| Pretax return on assets | 1.2360% | 2,444 |
| Return on Equity (ROE) | 6.9408% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.9408% | 2,183 |
| Net charge-offs to loans | 0.2996% | 1,766 |
| Credit loss provision to net charge-offs | -26.6854% | 5,003 |
| Earnings coverage of net charge-offs (x) | 6.5618% | 2,197 |
| Efficiency ratio | 77.1573% | 2,731 |
| Assets per employee ($millions) | 3.4648% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 2,732 |
| Loan loss allowance to noncurrent loans | 25.0317% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 5.6345% | 603 |
| Noncurrent loans to loans | 7.0745% | 411 |
| Net loans and leases to total assets | 58.3445% | 3,731 |
| Net loans and leases to deposits | 69.0625% | 3,632 |
| Net loans and leases to core deposits | 71.8521% | 3,835 |
| Total domestic deposits to total assets | 84.4808% | 4,273 |
| Equity capital to assets | 11.5715% | 2,354 |
| Core capital (leverage) ratio | 9.4189% | 4,213 |
| Tier 1 risk-based capital ratio | 16.0305% | 3,247 |
| Total risk-based capital ratio | 17.2878% | 3,203 |
| Memoranda: | ||
| Average total assets | $2,369,935,000 | 313 |
| Average earning assets | $1,983,286,500 | 331 |
| Average equity | $274,264,000 | 299 |
| Average total loans | $1,426,137,500 | 324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,390 |
| Cost of funding earning assets | 0.3827% | 6,032 |
| Net interest margin | 4.3689% | 1,233 |
| Noninterest income to average assets | 2.1414% | 394 |
| Noninterest expense to average assets | 4.7263% | 464 |
| Loan and lease loss provision to assets | 0.3843% | 1,699 |
| Net operating income to assets | 0.4591% | 4,842 |
| Return on assets (ROA) | 0.5270% | 4,838 |
| Pretax return on assets | 0.7853% | 4,345 |
| Return on Equity (ROE) | 4.7283% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.7283% | 2,898 |
| Net charge-offs to loans | 0.7247% | 1,623 |
| Credit loss provision to net charge-offs | 89.5707% | 3,492 |
| Earnings coverage of net charge-offs (x) | 2.4898% | 4,170 |
| Efficiency ratio | 80.5747% | 2,072 |
| Assets per employee ($millions) | 3.4700% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,466 |
| Loan loss allowance to noncurrent loans | 24.2855% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 5.9648% | 582 |
| Noncurrent loans to loans | 7.5754% | 400 |
| Net loans and leases to total assets | 59.8437% | 3,630 |
| Net loans and leases to deposits | 70.5851% | 3,622 |
| Net loans and leases to core deposits | 74.0456% | 3,776 |
| Total domestic deposits to total assets | 84.7823% | 3,951 |
| Equity capital to assets | 11.5738% | 2,371 |
| Core capital (leverage) ratio | 9.2047% | 4,575 |
| Tier 1 risk-based capital ratio | 15.3874% | 3,493 |
| Total risk-based capital ratio | 16.6455% | 3,451 |
| Memoranda: | ||
| Average total assets | $2,389,160,600 | 305 |
| Average earning assets | $1,997,695,200 | 318 |
| Average equity | $266,293,000 | 300 |
| Average total loans | $1,414,431,000 | 315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 2,559 |
| Cost of funding earning assets | 0.4035% | 6,097 |
| Net interest margin | 4.3521% | 1,342 |
| Noninterest income to average assets | 2.2664% | 354 |
| Noninterest expense to average assets | 4.8414% | 408 |
| Loan and lease loss provision to assets | 0.3907% | 1,644 |
| Net operating income to assets | 0.4646% | 4,977 |
| Return on assets (ROA) | 0.5403% | 4,925 |
| Pretax return on assets | 0.7895% | 4,530 |
| Return on Equity (ROE) | 4.8941% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.8941% | 3,443 |
| Net charge-offs to loans | 0.7970% | 1,382 |
| Credit loss provision to net charge-offs | 83.4244% | 3,511 |
| Earnings coverage of net charge-offs (x) | 2.2820% | 4,127 |
| Efficiency ratio | 80.9470% | 1,944 |
| Assets per employee ($millions) | 3.4804% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,771 |
| Loan loss allowance to noncurrent loans | 21.1058% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 6.4718% | 588 |
| Noncurrent loans to loans | 8.5667% | 350 |
| Net loans and leases to total assets | 59.8000% | 3,819 |
| Net loans and leases to deposits | 70.9205% | 3,767 |
| Net loans and leases to core deposits | 74.8713% | 3,870 |
| Total domestic deposits to total assets | 84.3197% | 4,070 |
| Equity capital to assets | 11.4799% | 2,764 |
| Core capital (leverage) ratio | 8.8792% | 5,225 |
| Tier 1 risk-based capital ratio | 15.0333% | 3,826 |
| Total risk-based capital ratio | 16.2912% | 3,770 |
| Memoranda: | ||
| Average total assets | $2,397,423,000 | 301 |
| Average earning assets | $2,007,275,500 | 320 |
| Average equity | $264,693,500 | 302 |
| Average total loans | $1,408,936,500 | 318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 2,783 |
| Cost of funding earning assets | 0.4249% | 6,129 |
| Net interest margin | 4.3085% | 1,459 |
| Noninterest income to average assets | 2.3046% | 328 |
| Noninterest expense to average assets | 4.8877% | 409 |
| Loan and lease loss provision to assets | 0.3812% | 1,715 |
| Net operating income to assets | 0.4547% | 5,017 |
| Return on assets (ROA) | 0.5308% | 4,950 |
| Pretax return on assets | 0.7680% | 4,579 |
| Return on Equity (ROE) | 4.8714% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.8714% | 3,354 |
| Net charge-offs to loans | 1.0240% | 1,076 |
| Credit loss provision to net charge-offs | 64.1090% | 3,705 |
| Earnings coverage of net charge-offs (x) | 1.7470% | 4,109 |
| Efficiency ratio | 81.6620% | 1,933 |
| Assets per employee ($millions) | 3.4903% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 3,169 |
| Loan loss allowance to noncurrent loans | 20.4283% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 6.4552% | 637 |
| Noncurrent loans to loans | 8.3877% | 390 |
| Net loans and leases to total assets | 58.8625% | 4,009 |
| Net loans and leases to deposits | 69.5287% | 3,965 |
| Net loans and leases to core deposits | 73.5363% | 4,091 |
| Total domestic deposits to total assets | 84.6592% | 4,028 |
| Equity capital to assets | 11.3886% | 2,702 |
| Core capital (leverage) ratio | 8.8872% | 5,069 |
| Tier 1 risk-based capital ratio | 15.9229% | 3,200 |
| Total risk-based capital ratio | 17.1803% | 3,166 |
| Memoranda: | ||
| Average total assets | $2,406,504,670 | 300 |
| Average earning assets | $2,023,034,330 | 314 |
| Average equity | $262,227,000 | 302 |
| Average total loans | $1,397,426,670 | 320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 3,493 |
| Cost of funding earning assets | 0.4341% | 6,234 |
| Net interest margin | 4.1681% | 1,856 |
| Noninterest income to average assets | 2.3543% | 327 |
| Noninterest expense to average assets | 5.1463% | 334 |
| Loan and lease loss provision to assets | 0.4735% | 1,291 |
| Net operating income to assets | 0.2096% | 5,955 |
| Return on assets (ROA) | 0.2898% | 5,859 |
| Pretax return on assets | 0.4137% | 5,682 |
| Return on Equity (ROE) | 2.9976% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.9976% | 4,753 |
| Net charge-offs to loans | 1.4154% | 707 |
| Credit loss provision to net charge-offs | 58.3203% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.9515% | 3,853 |
| Efficiency ratio | 86.1726% | 1,466 |
| Assets per employee ($millions) | 3.0088% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 3,328 |
| Loan loss allowance to noncurrent loans | 21.3259% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 6.0968% | 764 |
| Noncurrent loans to loans | 7.9973% | 485 |
| Net loans and leases to total assets | 57.0898% | 4,204 |
| Net loans and leases to deposits | 67.0177% | 4,229 |
| Net loans and leases to core deposits | 71.1103% | 4,274 |
| Total domestic deposits to total assets | 85.1862% | 3,943 |
| Equity capital to assets | 9.7887% | 4,397 |
| Core capital (leverage) ratio | 8.3113% | 5,856 |
| Tier 1 risk-based capital ratio | 15.4701% | 3,464 |
| Total risk-based capital ratio | 16.7290% | 3,432 |
| Memoranda: | ||
| Average total assets | $2,205,688,500 | 322 |
| Average earning assets | $1,886,328,500 | 336 |
| Average equity | $213,234,000 | 340 |
| Average total loans | $1,265,181,500 | 348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 5,548 |
| Cost of funding earning assets | 0.6168% | 5,999 |
| Net interest margin | 3.7502% | 4,079 |
| Noninterest income to average assets | 4.9951% | 124 |
| Noninterest expense to average assets | 5.2216% | 324 |
| Loan and lease loss provision to assets | 1.5641% | 463 |
| Net operating income to assets | 0.9754% | 2,299 |
| Return on assets (ROA) | 1.0907% | 1,988 |
| Pretax return on assets | 1.6761% | 1,044 |
| Return on Equity (ROE) | 11.7316% | 1,484 |
| Retained earnings to average equity (ytd only) | 11.7316% | 328 |
| Net charge-offs to loans | 2.4451% | 484 |
| Credit loss provision to net charge-offs | 117.1221% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.2936% | 4,075 |
| Efficiency ratio | 62.6648% | 5,360 |
| Assets per employee ($millions) | 3.4884% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,955 |
| Loan loss allowance to noncurrent loans | 39.1293% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.7367% | 1,559 |
| Noncurrent loans to loans | 5.4103% | 988 |
| Net loans and leases to total assets | 55.3570% | 4,825 |
| Net loans and leases to deposits | 64.7755% | 4,903 |
| Net loans and leases to core deposits | 71.2448% | 4,628 |
| Total domestic deposits to total assets | 85.4598% | 3,615 |
| Equity capital to assets | 9.5318% | 4,830 |
| Core capital (leverage) ratio | 8.4187% | 5,690 |
| Tier 1 risk-based capital ratio | 14.6549% | 3,867 |
| Total risk-based capital ratio | 15.9163% | 3,839 |
| Memoranda: | ||
| Average total assets | $1,954,033,400 | 354 |
| Average earning assets | $1,713,925,400 | 353 |
| Average equity | $181,663,400 | 387 |
| Average total loans | $1,067,250,400 | 396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 5,662 |
| Cost of funding earning assets | 0.6516% | 6,024 |
| Net interest margin | 3.7319% | 4,199 |
| Noninterest income to average assets | 2.9812% | 220 |
| Noninterest expense to average assets | 4.9918% | 377 |
| Loan and lease loss provision to assets | 1.4004% | 519 |
| Net operating income to assets | -0.0912% | 6,274 |
| Return on assets (ROA) | 0.0568% | 6,166 |
| Pretax return on assets | 0.0881% | 6,120 |
| Return on Equity (ROE) | 0.6154% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.6154% | 5,772 |
| Net charge-offs to loans | 2.3416% | 494 |
| Credit loss provision to net charge-offs | 110.5598% | 2,983 |
| Earnings coverage of net charge-offs (x) | 0.9926% | 4,884 |
| Efficiency ratio | 79.4118% | 2,346 |
| Assets per employee ($millions) | 3.2489% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,928 |
| Loan loss allowance to noncurrent loans | 38.2128% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 3.8655% | 1,596 |
| Noncurrent loans to loans | 5.6695% | 1,020 |
| Net loans and leases to total assets | 52.5804% | 5,377 |
| Net loans and leases to deposits | 61.2444% | 5,484 |
| Net loans and leases to core deposits | 68.1885% | 5,160 |
| Total domestic deposits to total assets | 85.8535% | 3,302 |
| Equity capital to assets | 9.3179% | 5,351 |
| Core capital (leverage) ratio | 8.0097% | 6,388 |
| Tier 1 risk-based capital ratio | 14.2011% | 4,202 |
| Total risk-based capital ratio | 15.4627% | 4,159 |
| Memoranda: | ||
| Average total assets | $1,921,894,750 | 363 |
| Average earning assets | $1,682,886,500 | 358 |
| Average equity | $177,452,000 | 405 |
| Average total loans | $1,039,614,750 | 409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 5,518 |
| Cost of funding earning assets | 0.6831% | 6,052 |
| Net interest margin | 3.7693% | 3,943 |
| Noninterest income to average assets | 3.3270% | 195 |
| Noninterest expense to average assets | 5.0723% | 351 |
| Loan and lease loss provision to assets | 1.7018% | 399 |
| Net operating income to assets | -0.1348% | 6,397 |
| Return on assets (ROA) | 0.1551% | 5,966 |
| Pretax return on assets | 0.1738% | 5,976 |
| Return on Equity (ROE) | 1.6849% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.6849% | 5,151 |
| Net charge-offs to loans | 2.8255% | 387 |
| Credit loss provision to net charge-offs | 111.1043% | 2,758 |
| Earnings coverage of net charge-offs (x) | 1.0119% | 4,534 |
| Efficiency ratio | 76.1506% | 2,987 |
| Assets per employee ($millions) | 3.0424% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 2,202 |
| Loan loss allowance to noncurrent loans | 30.3347% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 4.4821% | 1,403 |
| Noncurrent loans to loans | 6.7956% | 784 |
| Net loans and leases to total assets | 53.7134% | 5,334 |
| Net loans and leases to deposits | 63.6501% | 5,320 |
| Net loans and leases to core deposits | 71.1107% | 4,938 |
| Total domestic deposits to total assets | 84.3886% | 4,174 |
| Equity capital to assets | 9.2351% | 5,227 |
| Core capital (leverage) ratio | 7.8265% | 6,489 |
| Tier 1 risk-based capital ratio | 14.2455% | 3,983 |
| Total risk-based capital ratio | 15.5064% | 3,947 |
| Memoranda: | ||
| Average total assets | $1,921,409,330 | 366 |
| Average earning assets | $1,679,733,000 | 366 |
| Average equity | $176,864,000 | 407 |
| Average total loans | $1,041,586,000 | 417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 5,494 |
| Cost of funding earning assets | 0.7112% | 6,075 |
| Net interest margin | 3.7455% | 3,865 |
| Noninterest income to average assets | 4.3999% | 150 |
| Noninterest expense to average assets | 5.0590% | 347 |
| Loan and lease loss provision to assets | 1.6962% | 350 |
| Net operating income to assets | 0.6097% | 3,985 |
| Return on assets (ROA) | 0.6109% | 4,047 |
| Pretax return on assets | 0.9188% | 3,431 |
| Return on Equity (ROE) | 6.6481% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.6481% | 2,304 |
| Net charge-offs to loans | 3.2474% | 322 |
| Credit loss provision to net charge-offs | 96.9249% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.4932% | 3,589 |
| Efficiency ratio | 65.5674% | 5,115 |
| Assets per employee ($millions) | 3.1009% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 2,776 |
| Loan loss allowance to noncurrent loans | 29.3798% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 4.2838% | 1,528 |
| Noncurrent loans to loans | 6.3836% | 956 |
| Net loans and leases to total assets | 52.9430% | 5,460 |
| Net loans and leases to deposits | 62.5840% | 5,431 |
| Net loans and leases to core deposits | 69.9394% | 5,051 |
| Total domestic deposits to total assets | 84.5951% | 4,224 |
| Equity capital to assets | 8.9035% | 5,338 |
| Core capital (leverage) ratio | 7.7469% | 6,513 |
| Tier 1 risk-based capital ratio | 13.6159% | 4,345 |
| Total risk-based capital ratio | 14.8743% | 4,310 |
| Memoranda: | ||
| Average total assets | $1,917,683,000 | 366 |
| Average earning assets | $1,675,386,500 | 368 |
| Average equity | $176,230,000 | 404 |
| Average total loans | $1,033,446,500 | 423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 6,696 |
| Cost of funding earning assets | 0.9715% | 5,832 |
| Net interest margin | 3.3808% | 5,698 |
| Noninterest income to average assets | 2.7676% | 253 |
| Noninterest expense to average assets | 4.9283% | 443 |
| Loan and lease loss provision to assets | 0.7406% | 2,215 |
| Net operating income to assets | 0.0665% | 5,661 |
| Return on assets (ROA) | 0.3268% | 4,999 |
| Pretax return on assets | 0.4895% | 4,654 |
| Return on Equity (ROE) | 3.3935% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.3935% | 3,495 |
| Net charge-offs to loans | 1.3556% | 1,649 |
| Credit loss provision to net charge-offs | 104.3431% | 4,306 |
| Earnings coverage of net charge-offs (x) | 1.1855% | 4,919 |
| Efficiency ratio | 85.1292% | 1,791 |
| Assets per employee ($millions) | 3.5558% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 2,135 |
| Loan loss allowance to noncurrent loans | 59.2462% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 2,463 |
| Noncurrent loans to loans | 3.4914% | 2,168 |
| Net loans and leases to total assets | 52.7070% | 5,822 |
| Net loans and leases to deposits | 62.6293% | 5,781 |
| Net loans and leases to core deposits | 71.4722% | 5,273 |
| Total domestic deposits to total assets | 84.1570% | 4,294 |
| Equity capital to assets | 9.5007% | 4,404 |
| Core capital (leverage) ratio | 7.8560% | 6,375 |
| Tier 1 risk-based capital ratio | 14.8759% | 3,318 |
| Total risk-based capital ratio | 16.1361% | 3,272 |
| Memoranda: | ||
| Average total assets | $1,693,458,600 | 400 |
| Average earning assets | $1,503,743,600 | 410 |
| Average equity | $163,107,400 | 422 |
| Average total loans | $886,591,800 | 506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 7,350 |
| Cost of funding earning assets | 0.6932% | 7,078 |
| Net interest margin | 3.1947% | 6,357 |
| Noninterest income to average assets | 4.2233% | 164 |
| Noninterest expense to average assets | 5.7103% | 247 |
| Loan and lease loss provision to assets | 0.4923% | 3,006 |
| Net operating income to assets | 0.5787% | 3,965 |
| Return on assets (ROA) | 0.7389% | 3,405 |
| Pretax return on assets | 1.1510% | 2,668 |
| Return on Equity (ROE) | 7.9114% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.9114% | 1,449 |
| Net charge-offs to loans | 0.7304% | 2,595 |
| Credit loss provision to net charge-offs | 151.9319% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.2987% | 3,115 |
| Efficiency ratio | 80.1198% | 2,320 |
| Assets per employee ($millions) | 3.3913% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,409 |
| Loan loss allowance to noncurrent loans | 110.5147% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 4,001 |
| Noncurrent loans to loans | 1.2753% | 4,724 |
| Net loans and leases to total assets | 47.9357% | 6,527 |
| Net loans and leases to deposits | 59.5661% | 6,346 |
| Net loans and leases to core deposits | 63.8665% | 6,308 |
| Total domestic deposits to total assets | 80.4748% | 5,553 |
| Equity capital to assets | 8.9601% | 5,637 |
| Core capital (leverage) ratio | 7.7451% | 6,629 |
| Tier 1 risk-based capital ratio | 16.4801% | 2,562 |
| Total risk-based capital ratio | 17.7343% | 2,515 |
| Memoranda: | ||
| Average total assets | $990,447,500 | 665 |
| Average earning assets | $892,831,250 | 669 |
| Average equity | $92,505,750 | 720 |
| Average total loans | $439,373,500 | 1,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 7,421 |
| Cost of funding earning assets | 0.6848% | 7,224 |
| Net interest margin | 3.2206% | 6,253 |
| Noninterest income to average assets | 3.5201% | 188 |
| Noninterest expense to average assets | 5.3544% | 297 |
| Loan and lease loss provision to assets | 0.5015% | 2,792 |
| Net operating income to assets | 0.4150% | 4,688 |
| Return on assets (ROA) | 0.6597% | 3,738 |
| Pretax return on assets | 1.0123% | 3,070 |
| Return on Equity (ROE) | 6.9352% | 3,334 |
| Retained earnings to average equity (ytd only) | 6.9352% | 1,866 |
| Net charge-offs to loans | 0.8483% | 2,133 |
| Credit loss provision to net charge-offs | 139.3513% | 2,877 |
| Earnings coverage of net charge-offs (x) | 3.1603% | 3,426 |
| Efficiency ratio | 82.2583% | 2,128 |
| Assets per employee ($millions) | 3.6733% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 2,105 |
| Loan loss allowance to noncurrent loans | 112.4839% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 5,051 |
| Noncurrent loans to loans | 1.8094% | 3,989 |
| Net loans and leases to total assets | 40.1507% | 7,157 |
| Net loans and leases to deposits | 54.8390% | 6,804 |
| Net loans and leases to core deposits | 60.2962% | 6,694 |
| Total domestic deposits to total assets | 73.2157% | 7,071 |
| Equity capital to assets | 9.3976% | 4,862 |
| Core capital (leverage) ratio | 7.9046% | 6,378 |
| Tier 1 risk-based capital ratio | 14.5706% | 3,402 |
| Total risk-based capital ratio | 15.8248% | 3,363 |
| Memoranda: | ||
| Average total assets | $907,994,000 | 739 |
| Average earning assets | $837,866,330 | 717 |
| Average equity | $86,371,330 | 757 |
| Average total loans | $385,220,000 | 1,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 7,471 |
| Cost of funding earning assets | 0.6958% | 7,338 |
| Net interest margin | 3.2856% | 6,025 |
| Noninterest income to average assets | 3.3417% | 193 |
| Noninterest expense to average assets | 5.1494% | 330 |
| Loan and lease loss provision to assets | 0.4495% | 2,720 |
| Net operating income to assets | 0.5127% | 4,331 |
| Return on assets (ROA) | 0.6580% | 3,737 |
| Pretax return on assets | 1.0216% | 3,006 |
| Return on Equity (ROE) | 6.8734% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.8734% | 2,185 |
| Net charge-offs to loans | 0.6494% | 2,201 |
| Credit loss provision to net charge-offs | 160.2564% | 2,248 |
| Earnings coverage of net charge-offs (x) | 4.4359% | 2,625 |
| Efficiency ratio | 80.3093% | 2,517 |
| Assets per employee ($millions) | 3.8751% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 2,243 |
| Loan loss allowance to noncurrent loans | 142.2854% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 5,160 |
| Noncurrent loans to loans | 1.3917% | 4,643 |
| Net loans and leases to total assets | 41.8897% | 7,134 |
| Net loans and leases to deposits | 62.0441% | 6,271 |
| Net loans and leases to core deposits | 68.1154% | 6,086 |
| Total domestic deposits to total assets | 67.5160% | 7,553 |
| Equity capital to assets | 9.5677% | 4,427 |
| Core capital (leverage) ratio | 8.1421% | 6,004 |
| Tier 1 risk-based capital ratio | 15.3612% | 2,940 |
| Total risk-based capital ratio | 16.6161% | 2,884 |
| Memoranda: | ||
| Average total assets | $889,968,500 | 776 |
| Average earning assets | $826,647,500 | 749 |
| Average equity | $85,198,000 | 778 |
| Average total loans | $384,372,000 | 1,232 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 7,605 |
| Cost of funding earning assets | 0.9721% | 7,260 |
| Net interest margin | 3.2294% | 5,995 |
| Noninterest income to average assets | 2.5150% | 272 |
| Noninterest expense to average assets | 4.1656% | 1,141 |
| Loan and lease loss provision to assets | 0.7646% | 2,818 |
| Net operating income to assets | 0.3907% | 4,162 |
| Return on assets (ROA) | 0.5663% | 3,537 |
| Pretax return on assets | 0.8505% | 3,084 |
| Return on Equity (ROE) | 6.4427% | 3,020 |
| Retained earnings to average equity (ytd only) | 6.4427% | 1,169 |
| Net charge-offs to loans | 0.7876% | 2,859 |
| Credit loss provision to net charge-offs | 232.6127% | 1,572 |
| Earnings coverage of net charge-offs (x) | 4.1158% | 3,054 |
| Efficiency ratio | 75.1943% | 3,671 |
| Assets per employee ($millions) | 3.9681% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 2,309 |
| Loan loss allowance to noncurrent loans | 219.5507% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 5,518 |
| Noncurrent loans to loans | 0.8566% | 5,584 |
| Net loans and leases to total assets | 42.8312% | 7,201 |
| Net loans and leases to deposits | 64.5552% | 6,203 |
| Net loans and leases to core deposits | 77.1741% | 6,327 |
| Total domestic deposits to total assets | 66.3482% | 7,627 |
| Equity capital to assets | 9.5787% | 4,296 |
| Core capital (leverage) ratio | 7.3599% | 6,925 |
| Tier 1 risk-based capital ratio | 15.1337% | 2,874 |
| Total risk-based capital ratio | 16.3876% | 2,832 |
| Memoranda: | ||
| Average total assets | $830,232,000 | 822 |
| Average earning assets | $772,154,800 | 803 |
| Average equity | $72,982,200 | 893 |
| Average total loans | $346,514,800 | 1,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 7,680 |
| Cost of funding earning assets | 1.0559% | 7,273 |
| Net interest margin | 3.2380% | 5,885 |
| Noninterest income to average assets | 2.0927% | 338 |
| Noninterest expense to average assets | 3.7268% | 1,759 |
| Loan and lease loss provision to assets | 0.6117% | 2,946 |
| Net operating income to assets | 0.5111% | 3,933 |
| Return on assets (ROA) | 0.5809% | 3,743 |
| Pretax return on assets | 0.8694% | 3,323 |
| Return on Equity (ROE) | 6.7717% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.7717% | 1,600 |
| Net charge-offs to loans | 0.7596% | 2,459 |
| Credit loss provision to net charge-offs | 195.3646% | 2,304 |
| Earnings coverage of net charge-offs (x) | 4.3974% | 3,147 |
| Efficiency ratio | 72.7081% | 4,102 |
| Assets per employee ($millions) | 4.2181% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,478 |
| Loan loss allowance to noncurrent loans | 216.1175% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 6,210 |
| Noncurrent loans to loans | 0.6912% | 5,920 |
| Net loans and leases to total assets | 38.6858% | 7,524 |
| Net loans and leases to deposits | 65.1782% | 6,386 |
| Net loans and leases to core deposits | 80.6153% | 6,295 |
| Total domestic deposits to total assets | 59.3538% | 7,888 |
| Equity capital to assets | 9.1019% | 5,333 |
| Core capital (leverage) ratio | 7.1847% | 7,278 |
| Tier 1 risk-based capital ratio | 15.5308% | 2,811 |
| Total risk-based capital ratio | 16.7715% | 2,756 |
| Memoranda: | ||
| Average total assets | $817,562,750 | 844 |
| Average earning assets | $760,252,750 | 820 |
| Average equity | $70,132,750 | 944 |
| Average total loans | $337,009,500 | 1,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 7,671 |
| Cost of funding earning assets | 1.2142% | 7,068 |
| Net interest margin | 3.2367% | 5,785 |
| Noninterest income to average assets | 1.6289% | 559 |
| Noninterest expense to average assets | 3.3701% | 2,724 |
| Loan and lease loss provision to assets | 0.4916% | 3,076 |
| Net operating income to assets | 0.5094% | 4,050 |
| Return on assets (ROA) | 0.6084% | 3,752 |
| Pretax return on assets | 0.9122% | 3,293 |
| Return on Equity (ROE) | 7.2679% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.2679% | 1,480 |
| Net charge-offs to loans | 0.4801% | 2,912 |
| Credit loss provision to net charge-offs | 243.8374% | 1,906 |
| Earnings coverage of net charge-offs (x) | 6.2300% | 2,662 |
| Efficiency ratio | 72.5012% | 4,312 |
| Assets per employee ($millions) | 5.0039% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,889 |
| Loan loss allowance to noncurrent loans | 94.1281% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,386 |
| Noncurrent loans to loans | 1.4546% | 4,311 |
| Net loans and leases to total assets | 39.0331% | 7,594 |
| Net loans and leases to deposits | 63.4961% | 6,614 |
| Net loans and leases to core deposits | 80.5475% | 6,358 |
| Total domestic deposits to total assets | 61.4733% | 7,908 |
| Equity capital to assets | 9.0732% | 5,211 |
| Core capital (leverage) ratio | 7.1636% | 7,392 |
| Tier 1 risk-based capital ratio | 15.4559% | 2,827 |
| Total risk-based capital ratio | 16.5522% | 2,820 |
| Memoranda: | ||
| Average total assets | $780,759,670 | 899 |
| Average earning assets | $722,965,000 | 885 |
| Average equity | $65,356,000 | 1,037 |
| Average total loans | $327,867,000 | 1,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 7,783 |
| Cost of funding earning assets | 1.3133% | 6,984 |
| Net interest margin | 3.1073% | 6,176 |
| Noninterest income to average assets | 1.6173% | 525 |
| Noninterest expense to average assets | 3.3263% | 2,578 |
| Loan and lease loss provision to assets | 0.3633% | 3,143 |
| Net operating income to assets | 0.5386% | 4,264 |
| Return on assets (ROA) | 0.6388% | 4,025 |
| Pretax return on assets | 0.9502% | 3,534 |
| Return on Equity (ROE) | 8.0332% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.0332% | 1,803 |
| Net charge-offs to loans | 0.2913% | 2,947 |
| Credit loss provision to net charge-offs | 287.0690% | 1,680 |
| Earnings coverage of net charge-offs (x) | 9.1983% | 2,090 |
| Efficiency ratio | 73.7245% | 3,869 |
| Assets per employee ($millions) | 5.6091% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,627 |
| Loan loss allowance to noncurrent loans | 74.3251% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 5,228 |
| Noncurrent loans to loans | 1.6474% | 3,803 |
| Net loans and leases to total assets | 34.6449% | 7,781 |
| Net loans and leases to deposits | 53.0356% | 7,339 |
| Net loans and leases to core deposits | 68.3293% | 7,120 |
| Total domestic deposits to total assets | 65.3239% | 7,773 |
| Equity capital to assets | 7.3792% | 7,437 |
| Core capital (leverage) ratio | 7.4185% | 7,258 |
| Tier 1 risk-based capital ratio | 13.2031% | 4,050 |
| Total risk-based capital ratio | 14.1473% | 4,180 |
| Memoranda: | ||
| Average total assets | $733,300,000 | 951 |
| Average earning assets | $678,005,500 | 940 |
| Average equity | $58,308,000 | 1,162 |
| Average total loans | $318,525,500 | 1,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 6,608 |
| Cost of funding earning assets | 1.9052% | 6,714 |
| Net interest margin | 3.8430% | 3,829 |
| Noninterest income to average assets | 0.8806% | 2,053 |
| Noninterest expense to average assets | 3.0717% | 3,816 |
| Loan and lease loss provision to assets | 0.4630% | 2,982 |
| Net operating income to assets | 0.5803% | 4,393 |
| Return on assets (ROA) | 0.6776% | 3,833 |
| Pretax return on assets | 0.9661% | 3,501 |
| Return on Equity (ROE) | 7.2955% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.2955% | 1,061 |
| Net charge-offs to loans | 0.4270% | 2,683 |
| Credit loss provision to net charge-offs | 168.3209% | 3,057 |
| Earnings coverage of net charge-offs (x) | 4.6898% | 3,900 |
| Efficiency ratio | 70.0678% | 4,338 |
| Assets per employee ($millions) | 3.9124% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,717 |
| Loan loss allowance to noncurrent loans | 331.1641% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 5,020 |
| Noncurrent loans to loans | 0.3559% | 6,304 |
| Net loans and leases to total assets | 57.7798% | 6,234 |
| Net loans and leases to deposits | 85.3431% | 4,205 |
| Net loans and leases to core deposits | 104.6746% | 4,337 |
| Total domestic deposits to total assets | 67.7030% | 7,498 |
| Equity capital to assets | 8.9799% | 5,393 |
| Core capital (leverage) ratio | 8.7415% | 5,125 |
| Tier 1 risk-based capital ratio | 12.6431% | 4,326 |
| Total risk-based capital ratio | 13.7547% | 4,333 |
| Memoranda: | ||
| Average total assets | $439,497,400 | 1,556 |
| Average earning assets | $398,121,400 | 1,566 |
| Average equity | $40,819,600 | 1,640 |
| Average total loans | $283,122,200 | 1,703 |