Home > Stockman Bank of Montana > Performance and Condition Ratios
Stockman Bank of Montana, 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 | 4.7526% | 2,569 |
| Cost of funding earning assets | 1.7308% | 1,383 |
| Net interest margin | 3.0219% | 3,232 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.9505% | 3,733 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2381% | 1,563 |
| Return on assets (ROA) | 1.1515% | 1,748 |
| Pretax return on assets | 1.1515% | 2,257 |
| Return on Equity (ROE) | 14.3100% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.3185% | 2,129 |
| Net charge-offs to loans | -0.0006% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6186% | 3,126 |
| Assets per employee ($millions) | 8.0868% | 1,391 |
| Cash dividends to net income (ytd only)* | 55.8446% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 585 |
| Loan loss allowance to noncurrent loans | 691.7148% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 2,455 |
| Noncurrent loans to loans | 0.2537% | 2,277 |
| Net loans and leases to total assets | 62.4500% | 2,637 |
| Net loans and leases to deposits | 76.3129% | 2,424 |
| Net loans and leases to core deposits | 81.8187% | 2,598 |
| Total domestic deposits to total assets | 81.8300% | 3,161 |
| Equity capital to assets | 8.7139% | 2,896 |
| Core capital (leverage) ratio | 9.4118% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7314% | 1,967 |
| Memoranda: | ||
| Average total assets | $6,142,758,600 | 239 |
| Average earning assets | $5,738,681,400 | 232 |
| Average equity | $494,295,800 | 266 |
| Average total loans | $3,785,608,200 | 250 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 2,694 |
| Cost of funding earning assets | 1.6352% | 1,309 |
| Net interest margin | 2.9571% | 3,422 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.9710% | 3,667 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1790% | 1,848 |
| Return on assets (ROA) | 1.1136% | 1,995 |
| Pretax return on assets | 1.1136% | 2,530 |
| Return on Equity (ROE) | 14.1400% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,710 |
| Net charge-offs to loans | -0.0022% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9208% | 2,853 |
| Assets per employee ($millions) | 8.0022% | 1,347 |
| Cash dividends to net income (ytd only)* | 59.5145% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 603 |
| Loan loss allowance to noncurrent loans | 574.5679% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,277 |
| Noncurrent loans to loans | 0.3078% | 2,132 |
| Net loans and leases to total assets | 62.9500% | 2,565 |
| Net loans and leases to deposits | 76.9055% | 2,344 |
| Net loans and leases to core deposits | 81.9301% | 2,476 |
| Total domestic deposits to total assets | 81.8600% | 3,239 |
| Equity capital to assets | 8.0826% | 3,002 |
| Core capital (leverage) ratio | 9.5296% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7988% | 1,973 |
| Memoranda: | ||
| Average total assets | $6,095,457,000 | 241 |
| Average earning assets | $5,694,268,500 | 237 |
| Average equity | $479,930,000 | 274 |
| Average total loans | $3,725,852,250 | 255 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 2,790 |
| Cost of funding earning assets | 1.5295% | 1,192 |
| Net interest margin | 2.9107% | 3,631 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.9181% | 3,778 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1671% | 1,919 |
| Return on assets (ROA) | 1.0686% | 2,208 |
| Pretax return on assets | 1.0686% | 2,726 |
| Return on Equity (ROE) | 13.6900% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.1845% | 2,892 |
| Net charge-offs to loans | -0.0065% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6213% | 2,883 |
| Assets per employee ($millions) | 7.8264% | 1,403 |
| Cash dividends to net income (ytd only)* | 62.1405% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 634 |
| Loan loss allowance to noncurrent loans | 688.6718% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,420 |
| Noncurrent loans to loans | 0.2593% | 2,231 |
| Net loans and leases to total assets | 61.9300% | 2,580 |
| Net loans and leases to deposits | 75.5077% | 2,364 |
| Net loans and leases to core deposits | 80.3882% | 2,439 |
| Total domestic deposits to total assets | 82.0100% | 3,231 |
| Equity capital to assets | 8.0553% | 3,173 |
| Core capital (leverage) ratio | 9.3995% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8594% | 1,957 |
| Memoranda: | ||
| Average total assets | $6,084,047,333 | 237 |
| Average earning assets | $5,686,000,000 | 232 |
| Average equity | $474,759,667 | 271 |
| Average total loans | $3,658,366,333 | 250 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,087 |
| Cost of funding earning assets | 1.3677% | 1,098 |
| Net interest margin | 2.8116% | 3,935 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.7578% | 4,103 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2341% | 1,837 |
| Return on assets (ROA) | 1.0352% | 2,385 |
| Pretax return on assets | 1.0352% | 2,901 |
| Return on Equity (ROE) | 13.4800% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.8636% | 3,046 |
| Net charge-offs to loans | -0.0256% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6153% | 3,230 |
| Assets per employee ($millions) | 8.1108% | 1,288 |
| Cash dividends to net income (ytd only)* | 63.9241% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 628 |
| Loan loss allowance to noncurrent loans | 582.2034% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,224 |
| Noncurrent loans to loans | 0.3142% | 2,019 |
| Net loans and leases to total assets | 57.8700% | 2,879 |
| Net loans and leases to deposits | 69.6992% | 2,638 |
| Net loans and leases to core deposits | 75.7379% | 2,551 |
| Total domestic deposits to total assets | 83.0300% | 3,291 |
| Equity capital to assets | 7.8364% | 3,354 |
| Core capital (leverage) ratio | 9.3011% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2351% | 1,894 |
| Memoranda: | ||
| Average total assets | $6,105,062,000 | 244 |
| Average earning assets | $5,707,852,500 | 237 |
| Average equity | $468,787,000 | 277 |
| Average total loans | $3,582,697,000 | 261 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 3,618 |
| Cost of funding earning assets | 0.4078% | 2,028 |
| Net interest margin | 2.8788% | 3,730 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 1.8882% | 3,852 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5117% | 857 |
| Return on assets (ROA) | 1.5112% | 828 |
| Pretax return on assets | 1.5112% | 1,417 |
| Return on Equity (ROE) | 19.3800% | 531 |
| Retained earnings to average equity (ytd only) | 11.4443% | 795 |
| Net charge-offs to loans | -0.0284% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.0569% | 3,677 |
| Assets per employee ($millions) | 8.1703% | 1,243 |
| Cash dividends to net income (ytd only)* | 40.9546% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 585 |
| Loan loss allowance to noncurrent loans | 591.4500% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 2,264 |
| Noncurrent loans to loans | 0.3145% | 2,023 |
| Net loans and leases to total assets | 57.3300% | 2,886 |
| Net loans and leases to deposits | 68.1432% | 2,719 |
| Net loans and leases to core deposits | 71.6593% | 2,750 |
| Total domestic deposits to total assets | 84.1300% | 3,177 |
| Equity capital to assets | 7.5170% | 3,378 |
| Core capital (leverage) ratio | 9.2729% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3230% | 1,842 |
| Memoranda: | ||
| Average total assets | $5,897,450,200 | 244 |
| Average earning assets | $5,514,813,400 | 237 |
| Average equity | $459,817,800 | 279 |
| Average total loans | $3,128,362,600 | 275 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0787% | 3,721 |
| Cost of funding earning assets | 0.2729% | 2,457 |
| Net interest margin | 2.8059% | 3,724 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 1.9311% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5159% | 819 |
| Return on assets (ROA) | 1.5153% | 796 |
| Pretax return on assets | 1.5153% | 1,375 |
| Return on Equity (ROE) | 19.2600% | 507 |
| Retained earnings to average equity (ytd only) | 11.6719% | 870 |
| Net charge-offs to loans | -0.0400% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.0226% | 3,623 |
| Assets per employee ($millions) | 8.1510% | 1,246 |
| Cash dividends to net income (ytd only)* | 39.3866% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 571 |
| Loan loss allowance to noncurrent loans | 545.2851% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,299 |
| Noncurrent loans to loans | 0.3535% | 1,968 |
| Net loans and leases to total assets | 54.0200% | 3,100 |
| Net loans and leases to deposits | 63.8818% | 2,875 |
| Net loans and leases to core deposits | 66.3368% | 2,932 |
| Total domestic deposits to total assets | 84.5600% | 3,375 |
| Equity capital to assets | 7.1016% | 3,457 |
| Core capital (leverage) ratio | 9.0808% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7992% | 1,770 |
| Memoranda: | ||
| Average total assets | $5,864,391,500 | 246 |
| Average earning assets | $5,486,165,250 | 239 |
| Average equity | $461,459,500 | 281 |
| Average total loans | $3,029,914,250 | 276 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8885% | 3,814 |
| Cost of funding earning assets | 0.2233% | 2,605 |
| Net interest margin | 2.6652% | 3,786 |
| Noninterest income to average assets | 0.9579% | 737 |
| Noninterest expense to average assets | 1.8660% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5866% | 569 |
| Return on assets (ROA) | 1.5856% | 560 |
| Pretax return on assets | 1.5856% | 975 |
| Return on Equity (ROE) | 19.4962% | 341 |
| Retained earnings to average equity (ytd only) | 12.0978% | 593 |
| Net charge-offs to loans | -0.0609% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0463% | 3,962 |
| Assets per employee ($millions) | 7.6930% | 1,484 |
| Cash dividends to net income (ytd only)* | 37.9478% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 493 |
| Loan loss allowance to noncurrent loans | 445.7672% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 2,105 |
| Noncurrent loans to loans | 0.4618% | 1,730 |
| Net loans and leases to total assets | 51.5484% | 3,210 |
| Net loans and leases to deposits | 60.7012% | 3,003 |
| Net loans and leases to core deposits | 62.6091% | 3,065 |
| Total domestic deposits to total assets | 84.9215% | 3,498 |
| Equity capital to assets | 7.7378% | 3,316 |
| Core capital (leverage) ratio | 9.1804% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3291% | 1,618 |
| Memoranda: | ||
| Average total assets | $5,816,768,333 | 244 |
| Average earning assets | $5,444,614,333 | 239 |
| Average equity | $473,076,000 | 276 |
| Average total loans | $2,936,999,667 | 280 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 3,787 |
| Cost of funding earning assets | 0.2194% | 2,542 |
| Net interest margin | 2.5575% | 3,767 |
| Noninterest income to average assets | 1.0326% | 642 |
| Noninterest expense to average assets | 1.7524% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6750% | 429 |
| Return on assets (ROA) | 1.6734% | 432 |
| Pretax return on assets | 1.6734% | 721 |
| Return on Equity (ROE) | 20.0795% | 229 |
| Retained earnings to average equity (ytd only) | 12.8170% | 486 |
| Net charge-offs to loans | -0.1068% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1282% | 4,246 |
| Assets per employee ($millions) | 7.6447% | 1,590 |
| Cash dividends to net income (ytd only)* | 36.1690% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2087% | 429 |
| Loan loss allowance to noncurrent loans | 357.8015% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 1,880 |
| Noncurrent loans to loans | 0.6173% | 1,518 |
| Net loans and leases to total assets | 49.0089% | 3,279 |
| Net loans and leases to deposits | 57.2726% | 3,153 |
| Net loans and leases to core deposits | 59.1488% | 3,222 |
| Total domestic deposits to total assets | 85.5713% | 3,394 |
| Equity capital to assets | 7.9907% | 3,580 |
| Core capital (leverage) ratio | 9.0391% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6477% | 1,599 |
| Memoranda: | ||
| Average total assets | $5,782,576,000 | 250 |
| Average earning assets | $5,414,657,500 | 242 |
| Average equity | $481,924,000 | 277 |
| Average total loans | $2,856,766,000 | 286 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2514% | 3,338 |
| Cost of funding earning assets | 0.2601% | 2,812 |
| Net interest margin | 2.9912% | 3,221 |
| Noninterest income to average assets | 0.9524% | 1,090 |
| Noninterest expense to average assets | 1.9874% | 3,718 |
| Loan and lease loss provision to assets | -0.0095% | 4,165 |
| Net operating income to assets | 1.7666% | 547 |
| Return on assets (ROA) | 1.7817% | 550 |
| Pretax return on assets | 1.7817% | 949 |
| Return on Equity (ROE) | 19.2779% | 354 |
| Retained earnings to average equity (ytd only) | 11.3662% | 640 |
| Net charge-offs to loans | -0.0435% | 4,262 |
| Credit loss provision to net charge-offs | 40.7830% | 2,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0749% | 4,024 |
| Assets per employee ($millions) | 7.7863% | 1,446 |
| Cash dividends to net income (ytd only)* | 41.0404% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2197% | 436 |
| Loan loss allowance to noncurrent loans | 412.5189% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,236 |
| Noncurrent loans to loans | 0.5381% | 1,782 |
| Net loans and leases to total assets | 47.6175% | 3,530 |
| Net loans and leases to deposits | 55.9885% | 3,414 |
| Net loans and leases to core deposits | 57.9993% | 3,475 |
| Total domestic deposits to total assets | 85.0486% | 3,255 |
| Equity capital to assets | 8.6735% | 3,914 |
| Core capital (leverage) ratio | 8.8726% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8618% | 1,562 |
| Memoranda: | ||
| Average total assets | $5,265,294,200 | 263 |
| Average earning assets | $4,914,950,400 | 257 |
| Average equity | $486,619,200 | 273 |
| Average total loans | $2,816,531,600 | 280 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 3,387 |
| Cost of funding earning assets | 0.2689% | 2,912 |
| Net interest margin | 3.0320% | 3,224 |
| Noninterest income to average assets | 1.0121% | 1,051 |
| Noninterest expense to average assets | 2.0872% | 3,401 |
| Loan and lease loss provision to assets | 0.0520% | 1,950 |
| Net operating income to assets | 1.6996% | 830 |
| Return on assets (ROA) | 1.7200% | 830 |
| Pretax return on assets | 1.7200% | 1,360 |
| Return on Equity (ROE) | 18.2911% | 594 |
| Retained earnings to average equity (ytd only) | 10.6865% | 1,126 |
| Net charge-offs to loans | -0.0508% | 4,363 |
| Credit loss provision to net charge-offs | -186.5672% | 3,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3711% | 3,753 |
| Assets per employee ($millions) | 7.4273% | 1,606 |
| Cash dividends to net income (ytd only)* | 41.5753% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 395 |
| Loan loss allowance to noncurrent loans | 406.6214% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 2,305 |
| Noncurrent loans to loans | 0.5645% | 1,904 |
| Net loans and leases to total assets | 50.7855% | 3,316 |
| Net loans and leases to deposits | 60.2489% | 3,210 |
| Net loans and leases to core deposits | 62.6469% | 3,255 |
| Total domestic deposits to total assets | 84.2929% | 3,372 |
| Equity capital to assets | 9.1013% | 3,742 |
| Core capital (leverage) ratio | 9.0766% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7138% | 1,717 |
| Memoranda: | ||
| Average total assets | $5,127,528,250 | 266 |
| Average earning assets | $4,780,200,750 | 262 |
| Average equity | $482,154,000 | 276 |
| Average total loans | $2,812,546,000 | 283 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1918% | 3,691 |
| Cost of funding earning assets | 0.2789% | 2,994 |
| Net interest margin | 2.9129% | 3,548 |
| Noninterest income to average assets | 1.1057% | 922 |
| Noninterest expense to average assets | 2.0624% | 3,517 |
| Loan and lease loss provision to assets | 0.0798% | 1,520 |
| Net operating income to assets | 1.6799% | 904 |
| Return on assets (ROA) | 1.7099% | 908 |
| Pretax return on assets | 1.7099% | 1,456 |
| Return on Equity (ROE) | 17.9741% | 658 |
| Retained earnings to average equity (ytd only) | 10.4274% | 1,281 |
| Net charge-offs to loans | -0.0274% | 4,123 |
| Credit loss provision to net charge-offs | -520.8333% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9612% | 3,814 |
| Assets per employee ($millions) | 7.0264% | 1,783 |
| Cash dividends to net income (ytd only)* | 41.9864% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2930% | 366 |
| Loan loss allowance to noncurrent loans | 380.9102% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,288 |
| Noncurrent loans to loans | 0.6020% | 1,900 |
| Net loans and leases to total assets | 53.0984% | 3,241 |
| Net loans and leases to deposits | 63.6246% | 3,037 |
| Net loans and leases to core deposits | 66.4023% | 3,082 |
| Total domestic deposits to total assets | 83.4557% | 3,590 |
| Equity capital to assets | 9.3856% | 3,431 |
| Core capital (leverage) ratio | 9.1710% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1502% | 1,924 |
| Memoranda: | ||
| Average total assets | $5,014,537,000 | 266 |
| Average earning assets | $4,676,379,333 | 261 |
| Average equity | $477,030,333 | 276 |
| Average total loans | $2,802,924,333 | 285 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 3,222 |
| Cost of funding earning assets | 0.2916% | 3,083 |
| Net interest margin | 3.0986% | 2,989 |
| Noninterest income to average assets | 1.1673% | 893 |
| Noninterest expense to average assets | 1.9798% | 3,786 |
| Loan and lease loss provision to assets | 0.0811% | 1,597 |
| Net operating income to assets | 1.9915% | 575 |
| Return on assets (ROA) | 2.0265% | 595 |
| Pretax return on assets | 2.0265% | 909 |
| Return on Equity (ROE) | 21.1542% | 456 |
| Retained earnings to average equity (ytd only) | 13.9589% | 760 |
| Net charge-offs to loans | -0.0575% | 4,451 |
| Credit loss provision to net charge-offs | -248.7562% | 3,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8554% | 4,273 |
| Assets per employee ($millions) | 6.8565% | 1,891 |
| Cash dividends to net income (ytd only)* | 34.0136% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 385 |
| Loan loss allowance to noncurrent loans | 362.8826% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 2,404 |
| Noncurrent loans to loans | 0.6250% | 2,008 |
| Net loans and leases to total assets | 54.5586% | 3,184 |
| Net loans and leases to deposits | 65.6157% | 2,959 |
| Net loans and leases to core deposits | 68.5397% | 3,015 |
| Total domestic deposits to total assets | 83.1486% | 3,656 |
| Equity capital to assets | 9.5347% | 3,162 |
| Core capital (leverage) ratio | 9.3513% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5526% | 1,724 |
| Memoranda: | ||
| Average total assets | $4,932,583,500 | 266 |
| Average earning assets | $4,592,828,000 | 260 |
| Average equity | $472,530,500 | 277 |
| Average total loans | $2,797,286,500 | 285 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 2,590 |
| Cost of funding earning assets | 0.5654% | 2,535 |
| Net interest margin | 3.4832% | 2,522 |
| Noninterest income to average assets | 1.2776% | 698 |
| Noninterest expense to average assets | 2.2855% | 3,446 |
| Loan and lease loss provision to assets | 0.2041% | 1,924 |
| Net operating income to assets | 2.0002% | 263 |
| Return on assets (ROA) | 2.0735% | 246 |
| Pretax return on assets | 2.0735% | 385 |
| Return on Equity (ROE) | 20.4690% | 212 |
| Retained earnings to average equity (ytd only) | 10.2100% | 549 |
| Net charge-offs to loans | 0.0833% | 1,632 |
| Credit loss provision to net charge-offs | 386.7641% | 1,473 |
| Earnings coverage of net charge-offs (x) | 41.7709% | 1,347 |
| Efficiency ratio | 50.8001% | 4,481 |
| Assets per employee ($millions) | 6.3184% | 2,074 |
| Cash dividends to net income (ytd only)* | 50.1198% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 387 |
| Loan loss allowance to noncurrent loans | 285.9654% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,238 |
| Noncurrent loans to loans | 0.7782% | 1,771 |
| Net loans and leases to total assets | 56.3452% | 3,265 |
| Net loans and leases to deposits | 67.9430% | 3,082 |
| Net loans and leases to core deposits | 72.0528% | 3,069 |
| Total domestic deposits to total assets | 82.9301% | 3,433 |
| Equity capital to assets | 9.6265% | 3,479 |
| Core capital (leverage) ratio | 9.1098% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3281% | 1,733 |
| Memoranda: | ||
| Average total assets | $4,409,524,000 | 267 |
| Average earning assets | $4,066,445,000 | 265 |
| Average equity | $446,679,800 | 280 |
| Average total loans | $2,793,542,200 | 276 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,614 |
| Cost of funding earning assets | 0.6318% | 2,424 |
| Net interest margin | 3.4901% | 2,616 |
| Noninterest income to average assets | 1.2696% | 677 |
| Noninterest expense to average assets | 2.2240% | 3,625 |
| Loan and lease loss provision to assets | 0.1395% | 2,623 |
| Net operating income to assets | 2.1176% | 233 |
| Return on assets (ROA) | 2.2175% | 218 |
| Pretax return on assets | 2.2175% | 331 |
| Return on Equity (ROE) | 21.5887% | 188 |
| Retained earnings to average equity (ytd only) | 13.4163% | 294 |
| Net charge-offs to loans | 0.0158% | 2,565 |
| Credit loss provision to net charge-offs | 1,355.4217% | 669 |
| Earnings coverage of net charge-offs (x) | 219.2801% | 467 |
| Efficiency ratio | 49.4880% | 4,529 |
| Assets per employee ($millions) | 6.6659% | 1,699 |
| Cash dividends to net income (ytd only)* | 37.8550% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 512 |
| Loan loss allowance to noncurrent loans | 246.1046% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,158 |
| Noncurrent loans to loans | 0.8043% | 1,815 |
| Net loans and leases to total assets | 62.0526% | 3,005 |
| Net loans and leases to deposits | 77.0794% | 2,643 |
| Net loans and leases to core deposits | 82.2434% | 2,647 |
| Total domestic deposits to total assets | 80.5048% | 3,765 |
| Equity capital to assets | 9.7975% | 3,431 |
| Core capital (leverage) ratio | 9.5419% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0045% | 1,825 |
| Memoranda: | ||
| Average total assets | $4,300,350,000 | 268 |
| Average earning assets | $3,957,130,000 | 267 |
| Average equity | $441,719,500 | 280 |
| Average total loans | $2,793,738,250 | 277 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,461 |
| Cost of funding earning assets | 0.7060% | 2,346 |
| Net interest margin | 3.5989% | 2,487 |
| Noninterest income to average assets | 1.1521% | 754 |
| Noninterest expense to average assets | 2.2043% | 3,773 |
| Loan and lease loss provision to assets | 0.1447% | 2,562 |
| Net operating income to assets | 2.1141% | 257 |
| Return on assets (ROA) | 2.2695% | 221 |
| Pretax return on assets | 2.2695% | 319 |
| Return on Equity (ROE) | 21.7114% | 177 |
| Retained earnings to average equity (ytd only) | 13.7188% | 293 |
| Net charge-offs to loans | 0.0021% | 2,938 |
| Credit loss provision to net charge-offs | 10,344.8276% | 115 |
| Earnings coverage of net charge-offs (x) | 1,615.1379% | 46 |
| Efficiency ratio | 49.1685% | 4,551 |
| Assets per employee ($millions) | 6.3159% | 1,933 |
| Cash dividends to net income (ytd only)* | 36.8131% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 446 |
| Loan loss allowance to noncurrent loans | 224.0264% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 2,056 |
| Noncurrent loans to loans | 0.8873% | 1,722 |
| Net loans and leases to total assets | 63.7231% | 2,914 |
| Net loans and leases to deposits | 79.9667% | 2,427 |
| Net loans and leases to core deposits | 85.6522% | 2,469 |
| Total domestic deposits to total assets | 79.6870% | 3,899 |
| Equity capital to assets | 10.0024% | 3,205 |
| Core capital (leverage) ratio | 9.9940% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0516% | 1,790 |
| Memoranda: | ||
| Average total assets | $4,147,311,000 | 271 |
| Average earning assets | $3,815,556,000 | 270 |
| Average equity | $433,523,000 | 284 |
| Average total loans | $2,720,646,000 | 281 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 2,156 |
| Cost of funding earning assets | 0.8525% | 2,101 |
| Net interest margin | 3.6969% | 2,331 |
| Noninterest income to average assets | 0.8438% | 1,177 |
| Noninterest expense to average assets | 2.1496% | 4,115 |
| Loan and lease loss provision to assets | 0.1515% | 1,881 |
| Net operating income to assets | 1.9439% | 300 |
| Return on assets (ROA) | 1.9761% | 313 |
| Pretax return on assets | 1.9761% | 475 |
| Return on Equity (ROE) | 18.4503% | 239 |
| Retained earnings to average equity (ytd only) | 10.3630% | 671 |
| Net charge-offs to loans | -0.0260% | 4,420 |
| Credit loss provision to net charge-offs | -882.3529% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3450% | 4,646 |
| Assets per employee ($millions) | 5.6846% | 1,943 |
| Cash dividends to net income (ytd only)* | 43.8327% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 395 |
| Loan loss allowance to noncurrent loans | 178.4158% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 1,637 |
| Noncurrent loans to loans | 1.2140% | 1,345 |
| Net loans and leases to total assets | 65.6121% | 2,858 |
| Net loans and leases to deposits | 83.9969% | 2,224 |
| Net loans and leases to core deposits | 89.6224% | 2,384 |
| Total domestic deposits to total assets | 78.1126% | 4,200 |
| Equity capital to assets | 11.0704% | 2,801 |
| Core capital (leverage) ratio | 10.4277% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8410% | 1,960 |
| Memoranda: | ||
| Average total assets | $3,959,892,000 | 275 |
| Average earning assets | $3,643,113,000 | 273 |
| Average equity | $424,122,500 | 290 |
| Average total loans | $2,610,920,500 | 285 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 1,658 |
| Cost of funding earning assets | 0.9845% | 1,790 |
| Net interest margin | 3.9466% | 2,012 |
| Noninterest income to average assets | 0.7606% | 1,584 |
| Noninterest expense to average assets | 2.2707% | 4,022 |
| Loan and lease loss provision to assets | 0.1594% | 1,314 |
| Net operating income to assets | 1.9505% | 394 |
| Return on assets (ROA) | 1.9557% | 407 |
| Pretax return on assets | 1.9557% | 657 |
| Return on Equity (ROE) | 18.8569% | 279 |
| Retained earnings to average equity (ytd only) | 9.8294% | 524 |
| Net charge-offs to loans | 0.0202% | 3,016 |
| Credit loss provision to net charge-offs | 1,145.0382% | 302 |
| Earnings coverage of net charge-offs (x) | 151.5992% | 491 |
| Efficiency ratio | 51.5382% | 4,637 |
| Assets per employee ($millions) | 5.7436% | 1,846 |
| Cash dividends to net income (ytd only)* | 47.8739% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 361 |
| Loan loss allowance to noncurrent loans | 244.1271% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,114 |
| Noncurrent loans to loans | 0.8795% | 1,744 |
| Net loans and leases to total assets | 63.4267% | 3,263 |
| Net loans and leases to deposits | 82.9541% | 2,446 |
| Net loans and leases to core deposits | 88.5515% | 2,562 |
| Total domestic deposits to total assets | 76.4600% | 4,552 |
| Equity capital to assets | 10.3553% | 3,584 |
| Core capital (leverage) ratio | 10.1637% | 3,338 |
| Tier 1 risk-based capital ratio | 13.0499% | 3,767 |
| Total risk-based capital ratio | 14.3070% | 3,641 |
| Memoranda: | ||
| Average total assets | $3,765,015,600 | 278 |
| Average earning assets | $3,453,497,000 | 271 |
| Average equity | $390,472,800 | 295 |
| Average total loans | $2,589,299,600 | 279 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 1,546 |
| Cost of funding earning assets | 0.9939% | 1,789 |
| Net interest margin | 4.0040% | 1,920 |
| Noninterest income to average assets | 0.7279% | 1,672 |
| Noninterest expense to average assets | 2.3538% | 3,813 |
| Loan and lease loss provision to assets | 0.1617% | 1,154 |
| Net operating income to assets | 1.8806% | 518 |
| Return on assets (ROA) | 1.8868% | 531 |
| Pretax return on assets | 1.8868% | 893 |
| Return on Equity (ROE) | 18.1850% | 379 |
| Retained earnings to average equity (ytd only) | 8.2260% | 1,306 |
| Net charge-offs to loans | 0.0429% | 2,238 |
| Credit loss provision to net charge-offs | 539.5683% | 592 |
| Earnings coverage of net charge-offs (x) | 68.1380% | 977 |
| Efficiency ratio | 53.2407% | 4,473 |
| Assets per employee ($millions) | 5.6513% | 1,888 |
| Cash dividends to net income (ytd only)* | 54.7650% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 453 |
| Loan loss allowance to noncurrent loans | 253.6538% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,261 |
| Noncurrent loans to loans | 0.7948% | 1,989 |
| Net loans and leases to total assets | 68.3676% | 2,734 |
| Net loans and leases to deposits | 90.3216% | 1,659 |
| Net loans and leases to core deposits | 97.0460% | 1,899 |
| Total domestic deposits to total assets | 75.6935% | 4,677 |
| Equity capital to assets | 10.4507% | 3,589 |
| Core capital (leverage) ratio | 10.1798% | 3,447 |
| Tier 1 risk-based capital ratio | 12.3048% | 4,259 |
| Total risk-based capital ratio | 13.5607% | 4,134 |
| Memoranda: | ||
| Average total assets | $3,709,763,000 | 285 |
| Average earning assets | $3,398,652,750 | 278 |
| Average equity | $384,900,250 | 302 |
| Average total loans | $2,590,705,250 | 280 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 1,687 |
| Cost of funding earning assets | 0.9823% | 1,782 |
| Net interest margin | 3.9412% | 2,117 |
| Noninterest income to average assets | 0.6510% | 1,912 |
| Noninterest expense to average assets | 2.3060% | 3,988 |
| Loan and lease loss provision to assets | 0.1633% | 1,114 |
| Net operating income to assets | 1.7960% | 604 |
| Return on assets (ROA) | 1.8048% | 609 |
| Pretax return on assets | 1.8048% | 1,016 |
| Return on Equity (ROE) | 17.4393% | 417 |
| Retained earnings to average equity (ytd only) | 8.7622% | 1,108 |
| Net charge-offs to loans | 0.0851% | 1,513 |
| Credit loss provision to net charge-offs | 274.7253% | 950 |
| Earnings coverage of net charge-offs (x) | 32.9661% | 1,393 |
| Efficiency ratio | 53.7514% | 4,498 |
| Assets per employee ($millions) | 5.5552% | 1,915 |
| Cash dividends to net income (ytd only)* | 49.7557% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 490 |
| Loan loss allowance to noncurrent loans | 228.2943% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 2,079 |
| Noncurrent loans to loans | 0.8676% | 1,869 |
| Net loans and leases to total assets | 69.2156% | 2,643 |
| Net loans and leases to deposits | 93.4459% | 1,319 |
| Net loans and leases to core deposits | 100.7885% | 1,648 |
| Total domestic deposits to total assets | 74.0703% | 4,830 |
| Equity capital to assets | 10.5335% | 3,488 |
| Core capital (leverage) ratio | 10.2074% | 3,377 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,233 |
| Total risk-based capital ratio | 13.5715% | 4,096 |
| Memoranda: | ||
| Average total assets | $3,674,803,670 | 288 |
| Average earning assets | $3,369,987,330 | 280 |
| Average equity | $380,314,330 | 304 |
| Average total loans | $2,567,059,670 | 284 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 1,763 |
| Cost of funding earning assets | 0.9538% | 1,779 |
| Net interest margin | 3.8980% | 2,195 |
| Noninterest income to average assets | 0.5537% | 2,267 |
| Noninterest expense to average assets | 2.1899% | 4,277 |
| Loan and lease loss provision to assets | 0.1641% | 1,029 |
| Net operating income to assets | 1.7720% | 621 |
| Return on assets (ROA) | 1.7901% | 604 |
| Pretax return on assets | 1.7901% | 995 |
| Return on Equity (ROE) | 17.4547% | 450 |
| Retained earnings to average equity (ytd only) | 11.0552% | 792 |
| Net charge-offs to loans | 0.2064% | 678 |
| Credit loss provision to net charge-offs | 114.4165% | 1,460 |
| Earnings coverage of net charge-offs (x) | 13.5004% | 1,836 |
| Efficiency ratio | 52.7506% | 4,636 |
| Assets per employee ($millions) | 5.5358% | 1,948 |
| Cash dividends to net income (ytd only)* | 36.6636% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 522 |
| Loan loss allowance to noncurrent loans | 396.1636% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 3,031 |
| Noncurrent loans to loans | 0.5002% | 2,813 |
| Net loans and leases to total assets | 67.7427% | 2,790 |
| Net loans and leases to deposits | 91.3206% | 1,479 |
| Net loans and leases to core deposits | 98.0542% | 1,770 |
| Total domestic deposits to total assets | 74.1812% | 4,916 |
| Equity capital to assets | 10.4135% | 3,403 |
| Core capital (leverage) ratio | 10.1898% | 3,399 |
| Tier 1 risk-based capital ratio | 12.4523% | 4,202 |
| Total risk-based capital ratio | 13.7079% | 4,060 |
| Memoranda: | ||
| Average total assets | $3,656,755,000 | 288 |
| Average earning assets | $3,351,157,000 | 283 |
| Average equity | $375,028,000 | 307 |
| Average total loans | $2,540,375,500 | 286 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,789 |
| Cost of funding earning assets | 0.7291% | 1,912 |
| Net interest margin | 3.9803% | 2,058 |
| Noninterest income to average assets | 0.6390% | 2,104 |
| Noninterest expense to average assets | 2.2158% | 4,302 |
| Loan and lease loss provision to assets | 0.1409% | 1,526 |
| Net operating income to assets | 1.9334% | 408 |
| Return on assets (ROA) | 1.9341% | 406 |
| Pretax return on assets | 1.9341% | 657 |
| Return on Equity (ROE) | 19.5666% | 272 |
| Retained earnings to average equity (ytd only) | 8.4450% | 1,066 |
| Net charge-offs to loans | -0.0667% | 5,052 |
| Credit loss provision to net charge-offs | -302.4803% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3253% | 4,858 |
| Assets per employee ($millions) | 5.6049% | 1,857 |
| Cash dividends to net income (ytd only)* | 56.8397% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 504 |
| Loan loss allowance to noncurrent loans | 409.7107% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,162 |
| Noncurrent loans to loans | 0.4789% | 2,840 |
| Net loans and leases to total assets | 68.4608% | 2,811 |
| Net loans and leases to deposits | 92.2347% | 1,513 |
| Net loans and leases to core deposits | 98.5950% | 1,824 |
| Total domestic deposits to total assets | 74.2245% | 4,934 |
| Equity capital to assets | 10.0973% | 3,577 |
| Core capital (leverage) ratio | 9.8866% | 3,707 |
| Tier 1 risk-based capital ratio | 12.1002% | 4,364 |
| Total risk-based capital ratio | 13.3557% | 4,250 |
| Memoranda: | ||
| Average total assets | $3,547,501,800 | 291 |
| Average earning assets | $3,254,095,800 | 283 |
| Average equity | $350,668,600 | 314 |
| Average total loans | $2,476,788,400 | 284 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,850 |
| Cost of funding earning assets | 0.6924% | 1,886 |
| Net interest margin | 3.9541% | 2,112 |
| Noninterest income to average assets | 0.6363% | 2,136 |
| Noninterest expense to average assets | 2.2450% | 4,225 |
| Loan and lease loss provision to assets | 0.1420% | 1,407 |
| Net operating income to assets | 1.8762% | 517 |
| Return on assets (ROA) | 1.8772% | 516 |
| Pretax return on assets | 1.8772% | 852 |
| Return on Equity (ROE) | 19.0964% | 332 |
| Retained earnings to average equity (ytd only) | 8.1212% | 1,596 |
| Net charge-offs to loans | -0.0955% | 5,152 |
| Credit loss provision to net charge-offs | -212.9472% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3335% | 4,776 |
| Assets per employee ($millions) | 5.4953% | 1,918 |
| Cash dividends to net income (ytd only)* | 57.4724% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 559 |
| Loan loss allowance to noncurrent loans | 567.8289% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,674 |
| Noncurrent loans to loans | 0.3397% | 3,441 |
| Net loans and leases to total assets | 69.9718% | 2,652 |
| Net loans and leases to deposits | 95.8968% | 1,169 |
| Net loans and leases to core deposits | 102.6036% | 1,555 |
| Total domestic deposits to total assets | 72.9657% | 5,061 |
| Equity capital to assets | 10.0252% | 3,614 |
| Core capital (leverage) ratio | 9.8519% | 3,796 |
| Tier 1 risk-based capital ratio | 11.9276% | 4,538 |
| Total risk-based capital ratio | 13.1829% | 4,418 |
| Memoranda: | ||
| Average total assets | $3,522,174,750 | 290 |
| Average earning assets | $3,230,696,750 | 281 |
| Average equity | $346,228,000 | 314 |
| Average total loans | $2,458,985,500 | 286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,961 |
| Cost of funding earning assets | 0.6521% | 1,918 |
| Net interest margin | 3.8881% | 2,244 |
| Noninterest income to average assets | 0.6074% | 2,287 |
| Noninterest expense to average assets | 2.2109% | 4,346 |
| Loan and lease loss provision to assets | 0.1423% | 1,364 |
| Net operating income to assets | 1.8226% | 554 |
| Return on assets (ROA) | 1.8241% | 554 |
| Pretax return on assets | 1.8241% | 909 |
| Return on Equity (ROE) | 18.6812% | 363 |
| Retained earnings to average equity (ytd only) | 7.6027% | 1,793 |
| Net charge-offs to loans | -0.1522% | 5,275 |
| Credit loss provision to net charge-offs | -134.9164% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6088% | 4,821 |
| Assets per employee ($millions) | 5.3702% | 2,022 |
| Cash dividends to net income (ytd only)* | 59.3027% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 623 |
| Loan loss allowance to noncurrent loans | 598.3191% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 3,843 |
| Noncurrent loans to loans | 0.3190% | 3,566 |
| Net loans and leases to total assets | 69.3814% | 2,670 |
| Net loans and leases to deposits | 94.8165% | 1,267 |
| Net loans and leases to core deposits | 101.2348% | 1,635 |
| Total domestic deposits to total assets | 73.1743% | 5,109 |
| Equity capital to assets | 9.8616% | 3,762 |
| Core capital (leverage) ratio | 9.7625% | 3,828 |
| Tier 1 risk-based capital ratio | 11.8660% | 4,578 |
| Total risk-based capital ratio | 13.1211% | 4,458 |
| Memoranda: | ||
| Average total assets | $3,512,917,000 | 290 |
| Average earning assets | $3,224,090,000 | 281 |
| Average equity | $343,007,670 | 311 |
| Average total loans | $2,434,375,000 | 286 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 2,200 |
| Cost of funding earning assets | 0.6140% | 1,952 |
| Net interest margin | 3.7844% | 2,484 |
| Noninterest income to average assets | 0.5727% | 2,406 |
| Noninterest expense to average assets | 2.0884% | 4,683 |
| Loan and lease loss provision to assets | 0.1428% | 1,321 |
| Net operating income to assets | 1.8180% | 545 |
| Return on assets (ROA) | 1.8180% | 549 |
| Pretax return on assets | 1.8180% | 880 |
| Return on Equity (ROE) | 18.7129% | 338 |
| Retained earnings to average equity (ytd only) | 7.5456% | 2,025 |
| Net charge-offs to loans | 0.0137% | 2,272 |
| Credit loss provision to net charge-offs | 1,524.3902% | 235 |
| Earnings coverage of net charge-offs (x) | 209.3780% | 323 |
| Efficiency ratio | 51.2297% | 5,013 |
| Assets per employee ($millions) | 5.4170% | 2,015 |
| Cash dividends to net income (ytd only)* | 59.6771% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 709 |
| Loan loss allowance to noncurrent loans | 234.7980% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,682 |
| Noncurrent loans to loans | 0.7889% | 2,239 |
| Net loans and leases to total assets | 67.7100% | 2,800 |
| Net loans and leases to deposits | 91.4537% | 1,509 |
| Net loans and leases to core deposits | 97.4037% | 1,875 |
| Total domestic deposits to total assets | 74.0374% | 5,151 |
| Equity capital to assets | 9.8301% | 3,765 |
| Core capital (leverage) ratio | 9.6879% | 3,862 |
| Tier 1 risk-based capital ratio | 12.0342% | 4,526 |
| Total risk-based capital ratio | 13.2886% | 4,413 |
| Memoranda: | ||
| Average total assets | $3,502,591,000 | 289 |
| Average earning assets | $3,217,492,500 | 281 |
| Average equity | $340,278,500 | 318 |
| Average total loans | $2,401,894,000 | 286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,080 |
| Cost of funding earning assets | 0.5561% | 1,903 |
| Net interest margin | 3.8247% | 2,341 |
| Noninterest income to average assets | 0.6972% | 1,978 |
| Noninterest expense to average assets | 2.1185% | 4,724 |
| Loan and lease loss provision to assets | 0.1803% | 1,194 |
| Net operating income to assets | 1.9160% | 327 |
| Return on assets (ROA) | 1.9168% | 333 |
| Pretax return on assets | 1.9168% | 584 |
| Return on Equity (ROE) | 19.4024% | 220 |
| Retained earnings to average equity (ytd only) | 6.9279% | 1,109 |
| Net charge-offs to loans | -0.0108% | 4,804 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9130% | 5,221 |
| Assets per employee ($millions) | 5.4019% | 2,045 |
| Cash dividends to net income (ytd only)* | 64.2936% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 772 |
| Loan loss allowance to noncurrent loans | 453.5419% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,772 |
| Noncurrent loans to loans | 0.3981% | 3,331 |
| Net loans and leases to total assets | 66.9355% | 2,975 |
| Net loans and leases to deposits | 89.6771% | 1,811 |
| Net loans and leases to core deposits | 95.0527% | 2,113 |
| Total domestic deposits to total assets | 74.6406% | 5,118 |
| Equity capital to assets | 9.6012% | 4,139 |
| Core capital (leverage) ratio | 9.4483% | 4,103 |
| Tier 1 risk-based capital ratio | 11.8196% | 4,645 |
| Total risk-based capital ratio | 13.0735% | 4,532 |
| Memoranda: | ||
| Average total assets | $3,326,908,400 | 285 |
| Average earning assets | $3,059,856,600 | 279 |
| Average equity | $328,671,400 | 313 |
| Average total loans | $2,316,130,800 | 285 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 2,114 |
| Cost of funding earning assets | 0.5398% | 1,958 |
| Net interest margin | 3.8086% | 2,364 |
| Noninterest income to average assets | 0.6988% | 2,006 |
| Noninterest expense to average assets | 2.1760% | 4,579 |
| Loan and lease loss provision to assets | 0.1220% | 1,775 |
| Net operating income to assets | 1.9062% | 384 |
| Return on assets (ROA) | 1.9073% | 387 |
| Pretax return on assets | 1.9073% | 676 |
| Return on Equity (ROE) | 19.1611% | 269 |
| Retained earnings to average equity (ytd only) | 7.3113% | 1,533 |
| Net charge-offs to loans | -0.0228% | 4,891 |
| Credit loss provision to net charge-offs | -765.3061% | 4,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4023% | 5,148 |
| Assets per employee ($millions) | 5.4053% | 2,011 |
| Cash dividends to net income (ytd only)* | 61.8429% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 1,010 |
| Loan loss allowance to noncurrent loans | 411.4114% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,860 |
| Noncurrent loans to loans | 0.4157% | 3,459 |
| Net loans and leases to total assets | 68.7611% | 2,730 |
| Net loans and leases to deposits | 93.4469% | 1,362 |
| Net loans and leases to core deposits | 99.2573% | 1,774 |
| Total domestic deposits to total assets | 73.5831% | 5,270 |
| Equity capital to assets | 9.9386% | 3,979 |
| Core capital (leverage) ratio | 9.6794% | 3,958 |
| Tier 1 risk-based capital ratio | 11.9401% | 4,671 |
| Total risk-based capital ratio | 13.1932% | 4,544 |
| Memoranda: | ||
| Average total assets | $3,278,123,750 | 290 |
| Average earning assets | $3,017,123,250 | 282 |
| Average equity | $326,299,250 | 313 |
| Average total loans | $2,294,952,000 | 285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,333 |
| Cost of funding earning assets | 0.5115% | 2,078 |
| Net interest margin | 3.7260% | 2,564 |
| Noninterest income to average assets | 0.6748% | 2,103 |
| Noninterest expense to average assets | 2.1477% | 4,677 |
| Loan and lease loss provision to assets | 0.1233% | 1,675 |
| Net operating income to assets | 1.8336% | 426 |
| Return on assets (ROA) | 1.8353% | 436 |
| Pretax return on assets | 1.8353% | 773 |
| Return on Equity (ROE) | 18.4278% | 298 |
| Retained earnings to average equity (ytd only) | 7.2812% | 1,458 |
| Net charge-offs to loans | -0.0082% | 4,471 |
| Credit loss provision to net charge-offs | -2,150.5376% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9540% | 5,178 |
| Assets per employee ($millions) | 5.1286% | 2,237 |
| Cash dividends to net income (ytd only)* | 60.4879% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 1,116 |
| Loan loss allowance to noncurrent loans | 311.4361% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 3,539 |
| Noncurrent loans to loans | 0.5361% | 3,148 |
| Net loans and leases to total assets | 69.9915% | 2,525 |
| Net loans and leases to deposits | 95.2016% | 1,156 |
| Net loans and leases to core deposits | 101.1483% | 1,573 |
| Total domestic deposits to total assets | 73.5192% | 5,330 |
| Equity capital to assets | 9.9880% | 3,926 |
| Core capital (leverage) ratio | 9.7904% | 3,789 |
| Tier 1 risk-based capital ratio | 11.9021% | 4,699 |
| Total risk-based capital ratio | 13.1549% | 4,592 |
| Memoranda: | ||
| Average total assets | $3,242,927,670 | 293 |
| Average earning assets | $2,985,196,000 | 285 |
| Average equity | $322,968,000 | 317 |
| Average total loans | $2,270,880,670 | 290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,220 |
| Cost of funding earning assets | 0.4859% | 2,200 |
| Net interest margin | 3.7308% | 2,380 |
| Noninterest income to average assets | 0.5959% | 2,440 |
| Noninterest expense to average assets | 2.0620% | 4,919 |
| Loan and lease loss provision to assets | 0.1244% | 1,541 |
| Net operating income to assets | 1.8517% | 408 |
| Return on assets (ROA) | 1.8471% | 427 |
| Pretax return on assets | 1.8471% | 728 |
| Return on Equity (ROE) | 18.5748% | 304 |
| Retained earnings to average equity (ytd only) | 7.3166% | 1,740 |
| Net charge-offs to loans | -0.1050% | 5,457 |
| Credit loss provision to net charge-offs | -170.6485% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6839% | 5,338 |
| Assets per employee ($millions) | 5.2148% | 2,165 |
| Cash dividends to net income (ytd only)* | 60.6101% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 1,073 |
| Loan loss allowance to noncurrent loans | 251.1427% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,247 |
| Noncurrent loans to loans | 0.6934% | 2,766 |
| Net loans and leases to total assets | 68.1634% | 2,657 |
| Net loans and leases to deposits | 90.9979% | 1,426 |
| Net loans and leases to core deposits | 96.3323% | 1,795 |
| Total domestic deposits to total assets | 74.9066% | 5,340 |
| Equity capital to assets | 10.0794% | 3,658 |
| Core capital (leverage) ratio | 9.7623% | 3,798 |
| Tier 1 risk-based capital ratio | 12.2771% | 4,521 |
| Total risk-based capital ratio | 13.5307% | 4,425 |
| Memoranda: | ||
| Average total assets | $3,215,561,000 | 296 |
| Average earning assets | $2,966,854,500 | 288 |
| Average equity | $319,766,000 | 320 |
| Average total loans | $2,232,686,500 | 295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 2,538 |
| Cost of funding earning assets | 0.5331% | 1,845 |
| Net interest margin | 3.6515% | 2,882 |
| Noninterest income to average assets | 0.7570% | 1,931 |
| Noninterest expense to average assets | 2.0881% | 5,022 |
| Loan and lease loss provision to assets | 0.1895% | 1,238 |
| Net operating income to assets | 1.8550% | 403 |
| Return on assets (ROA) | 1.8983% | 394 |
| Pretax return on assets | 1.8983% | 626 |
| Return on Equity (ROE) | 19.5488% | 228 |
| Retained earnings to average equity (ytd only) | 7.4831% | 1,046 |
| Net charge-offs to loans | 0.1901% | 1,457 |
| Credit loss provision to net charge-offs | 147.7105% | 1,857 |
| Earnings coverage of net charge-offs (x) | 15.9372% | 2,157 |
| Efficiency ratio | 50.1525% | 5,478 |
| Assets per employee ($millions) | 5.3288% | 2,031 |
| Cash dividends to net income (ytd only)* | 61.7212% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,246 |
| Loan loss allowance to noncurrent loans | 310.0293% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 3,479 |
| Noncurrent loans to loans | 0.5332% | 3,255 |
| Net loans and leases to total assets | 68.3469% | 2,717 |
| Net loans and leases to deposits | 90.7438% | 1,602 |
| Net loans and leases to core deposits | 96.0184% | 1,923 |
| Total domestic deposits to total assets | 75.3185% | 5,315 |
| Equity capital to assets | 9.8104% | 3,929 |
| Core capital (leverage) ratio | 9.4844% | 4,105 |
| Tier 1 risk-based capital ratio | 11.9565% | 4,761 |
| Total risk-based capital ratio | 13.2091% | 4,640 |
| Memoranda: | ||
| Average total assets | $3,166,481,000 | 286 |
| Average earning assets | $2,927,155,200 | 282 |
| Average equity | $307,481,200 | 316 |
| Average total loans | $2,136,981,000 | 294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 2,742 |
| Cost of funding earning assets | 0.5300% | 1,879 |
| Net interest margin | 3.6051% | 3,056 |
| Noninterest income to average assets | 0.7490% | 1,970 |
| Noninterest expense to average assets | 2.1068% | 4,998 |
| Loan and lease loss provision to assets | 0.1269% | 1,842 |
| Net operating income to assets | 1.8539% | 444 |
| Return on assets (ROA) | 1.9161% | 413 |
| Pretax return on assets | 1.9161% | 681 |
| Return on Equity (ROE) | 19.7847% | 254 |
| Retained earnings to average equity (ytd only) | 7.9439% | 1,197 |
| Net charge-offs to loans | 0.1501% | 1,494 |
| Credit loss provision to net charge-offs | 126.2626% | 2,009 |
| Earnings coverage of net charge-offs (x) | 19.7012% | 1,919 |
| Efficiency ratio | 51.1600% | 5,436 |
| Assets per employee ($millions) | 5.2680% | 2,080 |
| Cash dividends to net income (ytd only)* | 59.8485% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,498 |
| Loan loss allowance to noncurrent loans | 224.2479% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 3,390 |
| Noncurrent loans to loans | 0.7100% | 2,907 |
| Net loans and leases to total assets | 69.8482% | 2,507 |
| Net loans and leases to deposits | 94.0520% | 1,248 |
| Net loans and leases to core deposits | 99.8253% | 1,653 |
| Total domestic deposits to total assets | 74.2655% | 5,409 |
| Equity capital to assets | 9.9819% | 4,143 |
| Core capital (leverage) ratio | 9.5296% | 4,139 |
| Tier 1 risk-based capital ratio | 11.8855% | 4,861 |
| Total risk-based capital ratio | 13.1376% | 4,757 |
| Memoranda: | ||
| Average total assets | $3,150,786,500 | 287 |
| Average earning assets | $2,917,911,250 | 283 |
| Average equity | $305,150,750 | 319 |
| Average total loans | $2,110,178,000 | 296 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,097 |
| Cost of funding earning assets | 0.5331% | 1,845 |
| Net interest margin | 3.5084% | 3,460 |
| Noninterest income to average assets | 0.7029% | 2,131 |
| Noninterest expense to average assets | 2.0715% | 5,119 |
| Loan and lease loss provision to assets | 0.1272% | 1,790 |
| Net operating income to assets | 1.7569% | 519 |
| Return on assets (ROA) | 1.7979% | 502 |
| Pretax return on assets | 1.7979% | 884 |
| Return on Equity (ROE) | 18.7574% | 312 |
| Retained earnings to average equity (ytd only) | 6.4201% | 1,908 |
| Net charge-offs to loans | 0.0956% | 1,886 |
| Credit loss provision to net charge-offs | 202.6342% | 1,292 |
| Earnings coverage of net charge-offs (x) | 30.0233% | 1,387 |
| Efficiency ratio | 51.9746% | 5,445 |
| Assets per employee ($millions) | 5.1487% | 2,143 |
| Cash dividends to net income (ytd only)* | 65.7732% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,344 |
| Loan loss allowance to noncurrent loans | 240.8123% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 3,574 |
| Noncurrent loans to loans | 0.6928% | 2,998 |
| Net loans and leases to total assets | 68.3297% | 2,733 |
| Net loans and leases to deposits | 91.2851% | 1,595 |
| Net loans and leases to core deposits | 97.0250% | 1,888 |
| Total domestic deposits to total assets | 74.8530% | 5,429 |
| Equity capital to assets | 9.9013% | 4,340 |
| Core capital (leverage) ratio | 9.4394% | 4,283 |
| Tier 1 risk-based capital ratio | 12.0220% | 4,811 |
| Total risk-based capital ratio | 13.2750% | 4,722 |
| Memoranda: | ||
| Average total assets | $3,145,698,670 | 285 |
| Average earning assets | $2,916,379,330 | 281 |
| Average equity | $301,523,330 | 317 |
| Average total loans | $2,064,500,330 | 299 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,223 |
| Cost of funding earning assets | 0.5533% | 1,676 |
| Net interest margin | 3.4455% | 3,686 |
| Noninterest income to average assets | 0.6417% | 2,310 |
| Noninterest expense to average assets | 1.9909% | 5,361 |
| Loan and lease loss provision to assets | 0.1266% | 1,674 |
| Net operating income to assets | 1.7128% | 560 |
| Return on assets (ROA) | 1.7563% | 544 |
| Pretax return on assets | 1.7563% | 928 |
| Return on Equity (ROE) | 18.6260% | 317 |
| Retained earnings to average equity (ytd only) | 5.8666% | 2,441 |
| Net charge-offs to loans | 0.0970% | 1,547 |
| Credit loss provision to net charge-offs | 204.9180% | 1,063 |
| Earnings coverage of net charge-offs (x) | 29.7643% | 1,187 |
| Efficiency ratio | 51.5705% | 5,536 |
| Assets per employee ($millions) | 5.2073% | 2,132 |
| Cash dividends to net income (ytd only)* | 68.5030% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 1,211 |
| Loan loss allowance to noncurrent loans | 308.4220% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,984 |
| Noncurrent loans to loans | 0.5740% | 3,472 |
| Net loans and leases to total assets | 63.5527% | 3,310 |
| Net loans and leases to deposits | 85.8221% | 2,079 |
| Net loans and leases to core deposits | 91.0104% | 2,282 |
| Total domestic deposits to total assets | 74.0516% | 5,606 |
| Equity capital to assets | 9.7089% | 4,439 |
| Core capital (leverage) ratio | 9.1590% | 4,644 |
| Tier 1 risk-based capital ratio | 12.1950% | 4,778 |
| Total risk-based capital ratio | 13.4484% | 4,685 |
| Memoranda: | ||
| Average total assets | $3,158,494,500 | 285 |
| Average earning assets | $2,923,090,000 | 280 |
| Average equity | $297,820,000 | 319 |
| Average total loans | $2,012,685,500 | 301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,167 |
| Cost of funding earning assets | 0.5326% | 1,901 |
| Net interest margin | 3.5030% | 3,507 |
| Noninterest income to average assets | 0.7198% | 2,106 |
| Noninterest expense to average assets | 1.9737% | 5,508 |
| Loan and lease loss provision to assets | 0.0976% | 2,362 |
| Net operating income to assets | 1.8711% | 427 |
| Return on assets (ROA) | 1.8908% | 421 |
| Pretax return on assets | 1.8908% | 667 |
| Return on Equity (ROE) | 20.1900% | 244 |
| Retained earnings to average equity (ytd only) | 5.1283% | 2,330 |
| Net charge-offs to loans | 0.0087% | 4,152 |
| Credit loss provision to net charge-offs | 1,754.3860% | 199 |
| Earnings coverage of net charge-offs (x) | 353.8363% | 192 |
| Efficiency ratio | 49.6575% | 5,772 |
| Assets per employee ($millions) | 5.5997% | 1,698 |
| Cash dividends to net income (ytd only)* | 74.5999% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 1,243 |
| Loan loss allowance to noncurrent loans | 248.1437% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,796 |
| Noncurrent loans to loans | 0.7046% | 3,080 |
| Net loans and leases to total assets | 61.6773% | 3,608 |
| Net loans and leases to deposits | 86.4596% | 2,067 |
| Net loans and leases to core deposits | 93.4194% | 2,097 |
| Total domestic deposits to total assets | 71.3365% | 5,832 |
| Equity capital to assets | 9.1573% | 4,961 |
| Core capital (leverage) ratio | 8.8860% | 5,019 |
| Tier 1 risk-based capital ratio | 12.2855% | 4,768 |
| Total risk-based capital ratio | 13.5390% | 4,664 |
| Memoranda: | ||
| Average total assets | $3,073,362,600 | 273 |
| Average earning assets | $2,827,378,800 | 272 |
| Average equity | $287,815,600 | 311 |
| Average total loans | $1,961,186,400 | 292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 3,244 |
| Cost of funding earning assets | 0.5394% | 1,891 |
| Net interest margin | 3.4839% | 3,606 |
| Noninterest income to average assets | 0.7414% | 2,060 |
| Noninterest expense to average assets | 2.0400% | 5,399 |
| Loan and lease loss provision to assets | 0.0987% | 2,207 |
| Net operating income to assets | 1.8050% | 513 |
| Return on assets (ROA) | 1.8219% | 517 |
| Pretax return on assets | 1.8219% | 857 |
| Return on Equity (ROE) | 19.3417% | 313 |
| Retained earnings to average equity (ytd only) | 4.9819% | 2,930 |
| Net charge-offs to loans | 0.0074% | 3,908 |
| Credit loss provision to net charge-offs | 2,083.3333% | 182 |
| Earnings coverage of net charge-offs (x) | 401.9992% | 189 |
| Efficiency ratio | 51.3197% | 5,693 |
| Assets per employee ($millions) | 5.3308% | 1,929 |
| Cash dividends to net income (ytd only)* | 74.2425% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,558 |
| Loan loss allowance to noncurrent loans | 228.5051% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 3,628 |
| Noncurrent loans to loans | 0.7303% | 3,143 |
| Net loans and leases to total assets | 65.8011% | 3,048 |
| Net loans and leases to deposits | 92.8358% | 1,326 |
| Net loans and leases to core deposits | 101.3010% | 1,426 |
| Total domestic deposits to total assets | 70.8790% | 5,932 |
| Equity capital to assets | 9.5507% | 4,690 |
| Core capital (leverage) ratio | 9.1124% | 4,857 |
| Tier 1 risk-based capital ratio | 12.0027% | 5,087 |
| Total risk-based capital ratio | 13.2558% | 4,997 |
| Memoranda: | ||
| Average total assets | $3,040,942,000 | 280 |
| Average earning assets | $2,795,020,250 | 280 |
| Average equity | $286,441,750 | 318 |
| Average total loans | $1,948,806,000 | 295 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9419% | 3,523 |
| Cost of funding earning assets | 0.5469% | 1,847 |
| Net interest margin | 3.3950% | 3,925 |
| Noninterest income to average assets | 0.7149% | 2,151 |
| Noninterest expense to average assets | 1.9716% | 5,583 |
| Loan and lease loss provision to assets | 0.0991% | 2,169 |
| Net operating income to assets | 1.7641% | 549 |
| Return on assets (ROA) | 1.7896% | 554 |
| Pretax return on assets | 1.7896% | 914 |
| Return on Equity (ROE) | 19.0898% | 329 |
| Retained earnings to average equity (ytd only) | 2.8027% | 4,261 |
| Net charge-offs to loans | -0.0130% | 5,009 |
| Credit loss provision to net charge-offs | -1,209.6774% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9885% | 5,803 |
| Assets per employee ($millions) | 5.1691% | 2,071 |
| Cash dividends to net income (ytd only)* | 85.3186% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,615 |
| Loan loss allowance to noncurrent loans | 360.9611% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 4,364 |
| Noncurrent loans to loans | 0.4693% | 4,071 |
| Net loans and leases to total assets | 64.8236% | 3,146 |
| Net loans and leases to deposits | 91.2784% | 1,453 |
| Net loans and leases to core deposits | 99.8512% | 1,501 |
| Total domestic deposits to total assets | 71.0174% | 5,985 |
| Equity capital to assets | 9.4401% | 4,723 |
| Core capital (leverage) ratio | 8.9591% | 5,024 |
| Tier 1 risk-based capital ratio | 11.9209% | 5,202 |
| Total risk-based capital ratio | 13.1740% | 5,103 |
| Memoranda: | ||
| Average total assets | $3,025,739,670 | 282 |
| Average earning assets | $2,780,514,000 | 280 |
| Average equity | $283,660,000 | 322 |
| Average total loans | $1,909,924,000 | 296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 3,975 |
| Cost of funding earning assets | 0.5612% | 1,740 |
| Net interest margin | 3.2482% | 4,427 |
| Noninterest income to average assets | 0.6540% | 2,386 |
| Noninterest expense to average assets | 1.8254% | 5,864 |
| Loan and lease loss provision to assets | 0.0994% | 2,038 |
| Net operating income to assets | 1.7245% | 559 |
| Return on assets (ROA) | 1.7430% | 568 |
| Pretax return on assets | 1.7430% | 961 |
| Return on Equity (ROE) | 18.6578% | 338 |
| Retained earnings to average equity (ytd only) | -1.6949% | 5,648 |
| Net charge-offs to loans | -0.0024% | 4,366 |
| Credit loss provision to net charge-offs | -6,818.1818% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5752% | 5,940 |
| Assets per employee ($millions) | 5.4727% | 1,813 |
| Cash dividends to net income (ytd only)* | 109.0840% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,571 |
| Loan loss allowance to noncurrent loans | 320.7231% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 4,350 |
| Noncurrent loans to loans | 0.5505% | 3,929 |
| Net loans and leases to total assets | 60.9397% | 3,534 |
| Net loans and leases to deposits | 84.9613% | 1,956 |
| Net loans and leases to core deposits | 93.1544% | 1,838 |
| Total domestic deposits to total assets | 71.7264% | 6,048 |
| Equity capital to assets | 9.3576% | 4,899 |
| Core capital (leverage) ratio | 8.8696% | 5,111 |
| Tier 1 risk-based capital ratio | 12.2207% | 5,095 |
| Total risk-based capital ratio | 13.4741% | 5,005 |
| Memoranda: | ||
| Average total assets | $3,018,888,500 | 281 |
| Average earning assets | $2,783,839,500 | 277 |
| Average equity | $282,027,000 | 323 |
| Average total loans | $1,862,772,500 | 298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,380 |
| Cost of funding earning assets | 0.5320% | 2,367 |
| Net interest margin | 3.5543% | 3,585 |
| Noninterest income to average assets | 0.7216% | 2,206 |
| Noninterest expense to average assets | 2.0670% | 5,643 |
| Loan and lease loss provision to assets | 0.1103% | 2,325 |
| Net operating income to assets | 1.8249% | 455 |
| Return on assets (ROA) | 1.8405% | 454 |
| Pretax return on assets | 1.8405% | 728 |
| Return on Equity (ROE) | 19.1730% | 301 |
| Retained earnings to average equity (ytd only) | 6.3392% | 1,737 |
| Net charge-offs to loans | -0.0020% | 5,378 |
| Credit loss provision to net charge-offs | -8,571.4286% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3829% | 6,023 |
| Assets per employee ($millions) | 5.3680% | 1,892 |
| Cash dividends to net income (ytd only)* | 66.9371% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,663 |
| Loan loss allowance to noncurrent loans | 280.1386% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 4,469 |
| Noncurrent loans to loans | 0.6233% | 3,820 |
| Net loans and leases to total assets | 60.3008% | 3,748 |
| Net loans and leases to deposits | 80.7068% | 2,638 |
| Net loans and leases to core deposits | 90.2798% | 2,250 |
| Total domestic deposits to total assets | 74.7159% | 5,884 |
| Equity capital to assets | 9.3266% | 4,934 |
| Core capital (leverage) ratio | 9.0602% | 4,891 |
| Tier 1 risk-based capital ratio | 12.4240% | 5,076 |
| Total risk-based capital ratio | 13.6773% | 4,995 |
| Memoranda: | ||
| Average total assets | $2,719,268,800 | 286 |
| Average earning assets | $2,509,913,800 | 278 |
| Average equity | $261,028,000 | 321 |
| Average total loans | $1,727,516,400 | 298 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,326 |
| Cost of funding earning assets | 0.5355% | 2,416 |
| Net interest margin | 3.5778% | 3,516 |
| Noninterest income to average assets | 0.7309% | 2,181 |
| Noninterest expense to average assets | 2.0821% | 5,615 |
| Loan and lease loss provision to assets | 0.1134% | 2,154 |
| Net operating income to assets | 1.8375% | 478 |
| Return on assets (ROA) | 1.8545% | 474 |
| Pretax return on assets | 1.8545% | 794 |
| Return on Equity (ROE) | 19.1642% | 335 |
| Retained earnings to average equity (ytd only) | 3.0152% | 4,467 |
| Net charge-offs to loans | 0.0004% | 4,693 |
| Credit loss provision to net charge-offs | 45,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 7,736.1379% | 1 |
| Efficiency ratio | 51.4781% | 6,028 |
| Assets per employee ($millions) | 5.1007% | 2,133 |
| Cash dividends to net income (ytd only)* | 84.2666% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,106 |
| Loan loss allowance to noncurrent loans | 311.4249% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 4,755 |
| Noncurrent loans to loans | 0.5325% | 4,340 |
| Net loans and leases to total assets | 66.6691% | 2,745 |
| Net loans and leases to deposits | 89.7283% | 1,452 |
| Net loans and leases to core deposits | 101.3910% | 1,257 |
| Total domestic deposits to total assets | 74.3011% | 5,992 |
| Equity capital to assets | 9.6937% | 4,555 |
| Core capital (leverage) ratio | 9.2027% | 4,785 |
| Tier 1 risk-based capital ratio | 11.9122% | 5,546 |
| Total risk-based capital ratio | 13.1650% | 5,465 |
| Memoranda: | ||
| Average total assets | $2,644,877,750 | 285 |
| Average earning assets | $2,441,114,000 | 282 |
| Average equity | $255,943,250 | 321 |
| Average total loans | $1,696,519,750 | 298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 3,921 |
| Cost of funding earning assets | 0.5255% | 2,582 |
| Net interest margin | 3.4276% | 4,073 |
| Noninterest income to average assets | 0.6570% | 2,501 |
| Noninterest expense to average assets | 2.0044% | 5,836 |
| Loan and lease loss provision to assets | 0.1158% | 2,106 |
| Net operating income to assets | 1.7076% | 567 |
| Return on assets (ROA) | 1.7190% | 582 |
| Pretax return on assets | 1.7190% | 979 |
| Return on Equity (ROE) | 17.7751% | 480 |
| Retained earnings to average equity (ytd only) | -0.9792% | 5,851 |
| Net charge-offs to loans | -0.0074% | 5,253 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3651% | 6,038 |
| Assets per employee ($millions) | 4.8863% | 2,356 |
| Cash dividends to net income (ytd only)* | 105.5089% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 1,836 |
| Loan loss allowance to noncurrent loans | 441.0722% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 5,122 |
| Noncurrent loans to loans | 0.4088% | 4,764 |
| Net loans and leases to total assets | 64.7656% | 2,949 |
| Net loans and leases to deposits | 87.6963% | 1,629 |
| Net loans and leases to core deposits | 99.7004% | 1,308 |
| Total domestic deposits to total assets | 73.8521% | 6,126 |
| Equity capital to assets | 9.5652% | 4,672 |
| Core capital (leverage) ratio | 9.0904% | 4,883 |
| Tier 1 risk-based capital ratio | 12.0565% | 5,509 |
| Total risk-based capital ratio | 13.3107% | 5,439 |
| Memoranda: | ||
| Average total assets | $2,591,380,000 | 288 |
| Average earning assets | $2,397,153,330 | 284 |
| Average equity | $250,609,670 | 325 |
| Average total loans | $1,628,075,000 | 302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 4,086 |
| Cost of funding earning assets | 0.5148% | 2,760 |
| Net interest margin | 3.3859% | 4,187 |
| Noninterest income to average assets | 0.6101% | 2,674 |
| Noninterest expense to average assets | 1.8897% | 6,085 |
| Loan and lease loss provision to assets | 0.1158% | 2,028 |
| Net operating income to assets | 1.7223% | 551 |
| Return on assets (ROA) | 1.7452% | 545 |
| Pretax return on assets | 1.7452% | 888 |
| Return on Equity (ROE) | 17.9474% | 445 |
| Retained earnings to average equity (ytd only) | 9.4097% | 1,139 |
| Net charge-offs to loans | -0.0116% | 5,112 |
| Credit loss provision to net charge-offs | -1,630.4348% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6919% | 6,214 |
| Assets per employee ($millions) | 4.9587% | 2,298 |
| Cash dividends to net income (ytd only)* | 47.5706% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 1,772 |
| Loan loss allowance to noncurrent loans | 395.5956% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 5,145 |
| Noncurrent loans to loans | 0.4788% | 4,726 |
| Net loans and leases to total assets | 60.3223% | 3,501 |
| Net loans and leases to deposits | 81.1456% | 2,146 |
| Net loans and leases to core deposits | 92.3756% | 1,695 |
| Total domestic deposits to total assets | 74.3384% | 6,212 |
| Equity capital to assets | 9.8620% | 4,013 |
| Core capital (leverage) ratio | 9.5316% | 4,235 |
| Tier 1 risk-based capital ratio | 13.0452% | 4,979 |
| Total risk-based capital ratio | 14.2999% | 4,909 |
| Memoranda: | ||
| Average total assets | $2,589,765,000 | 289 |
| Average earning assets | $2,384,700,500 | 284 |
| Average equity | $251,825,000 | 322 |
| Average total loans | $1,586,479,000 | 310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 3,637 |
| Cost of funding earning assets | 0.5697% | 2,928 |
| Net interest margin | 3.5560% | 3,654 |
| Noninterest income to average assets | 1.0834% | 1,208 |
| Noninterest expense to average assets | 2.1075% | 5,816 |
| Loan and lease loss provision to assets | 0.1633% | 2,234 |
| Net operating income to assets | 2.0976% | 290 |
| Return on assets (ROA) | 2.1059% | 286 |
| Pretax return on assets | 2.1059% | 376 |
| Return on Equity (ROE) | 21.7695% | 206 |
| Retained earnings to average equity (ytd only) | 9.1015% | 755 |
| Net charge-offs to loans | 0.0150% | 5,149 |
| Credit loss provision to net charge-offs | 1,754.3860% | 142 |
| Earnings coverage of net charge-offs (x) | 242.9561% | 188 |
| Efficiency ratio | 48.2449% | 6,485 |
| Assets per employee ($millions) | 5.1003% | 2,070 |
| Cash dividends to net income (ytd only)* | 58.1914% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 1,922 |
| Loan loss allowance to noncurrent loans | 325.9486% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 5,064 |
| Noncurrent loans to loans | 0.5672% | 4,569 |
| Net loans and leases to total assets | 59.9049% | 3,737 |
| Net loans and leases to deposits | 80.1361% | 2,441 |
| Net loans and leases to core deposits | 90.7898% | 1,927 |
| Total domestic deposits to total assets | 74.7539% | 6,220 |
| Equity capital to assets | 9.5864% | 4,305 |
| Core capital (leverage) ratio | 9.3248% | 4,511 |
| Tier 1 risk-based capital ratio | 12.6731% | 5,194 |
| Total risk-based capital ratio | 13.9271% | 5,139 |
| Memoranda: | ||
| Average total assets | $2,450,154,600 | 300 |
| Average earning assets | $2,263,374,800 | 293 |
| Average equity | $237,015,400 | 332 |
| Average total loans | $1,524,646,000 | 304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,489 |
| Cost of funding earning assets | 0.5808% | 2,989 |
| Net interest margin | 3.5894% | 3,492 |
| Noninterest income to average assets | 0.9853% | 1,492 |
| Noninterest expense to average assets | 2.1118% | 5,805 |
| Loan and lease loss provision to assets | 0.1657% | 2,186 |
| Net operating income to assets | 2.0263% | 347 |
| Return on assets (ROA) | 2.0287% | 357 |
| Pretax return on assets | 2.0287% | 547 |
| Return on Equity (ROE) | 20.9213% | 246 |
| Retained earnings to average equity (ytd only) | 6.5944% | 2,083 |
| Net charge-offs to loans | -0.0157% | 5,990 |
| Credit loss provision to net charge-offs | -1,685.3933% | 6,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0682% | 6,452 |
| Assets per employee ($millions) | 4.7728% | 2,473 |
| Cash dividends to net income (ytd only)* | 68.4801% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,325 |
| Loan loss allowance to noncurrent loans | 380.4215% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 5,305 |
| Noncurrent loans to loans | 0.4715% | 5,015 |
| Net loans and leases to total assets | 64.2986% | 2,950 |
| Net loans and leases to deposits | 85.5222% | 1,672 |
| Net loans and leases to core deposits | 97.0450% | 1,314 |
| Total domestic deposits to total assets | 75.1835% | 6,260 |
| Equity capital to assets | 9.7983% | 4,185 |
| Core capital (leverage) ratio | 9.2413% | 4,772 |
| Tier 1 risk-based capital ratio | 12.2524% | 5,605 |
| Total risk-based capital ratio | 13.5063% | 5,537 |
| Memoranda: | ||
| Average total assets | $2,413,684,000 | 302 |
| Average earning assets | $2,231,513,000 | 296 |
| Average equity | $234,052,500 | 335 |
| Average total loans | $1,509,696,000 | 308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 3,723 |
| Cost of funding earning assets | 0.5766% | 3,153 |
| Net interest margin | 3.5269% | 3,669 |
| Noninterest income to average assets | 0.8925% | 1,835 |
| Noninterest expense to average assets | 2.0655% | 5,932 |
| Loan and lease loss provision to assets | 0.1664% | 2,245 |
| Net operating income to assets | 1.9156% | 413 |
| Return on assets (ROA) | 1.9205% | 443 |
| Pretax return on assets | 1.9205% | 719 |
| Return on Equity (ROE) | 19.8762% | 310 |
| Retained earnings to average equity (ytd only) | 4.2039% | 3,616 |
| Net charge-offs to loans | -0.0188% | 5,951 |
| Credit loss provision to net charge-offs | -1,438.8489% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8004% | 6,445 |
| Assets per employee ($millions) | 4.7536% | 2,446 |
| Cash dividends to net income (ytd only)* | 78.8493% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,472 |
| Loan loss allowance to noncurrent loans | 364.3789% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,065 |
| Noncurrent loans to loans | 0.4908% | 5,035 |
| Net loans and leases to total assets | 62.7802% | 3,141 |
| Net loans and leases to deposits | 83.6584% | 1,843 |
| Net loans and leases to core deposits | 95.4062% | 1,405 |
| Total domestic deposits to total assets | 75.0435% | 6,355 |
| Equity capital to assets | 9.5802% | 4,476 |
| Core capital (leverage) ratio | 9.1421% | 4,767 |
| Tier 1 risk-based capital ratio | 12.2603% | 5,649 |
| Total risk-based capital ratio | 13.5140% | 5,595 |
| Memoranda: | ||
| Average total assets | $2,403,695,670 | 304 |
| Average earning assets | $2,218,377,670 | 298 |
| Average equity | $232,258,000 | 335 |
| Average total loans | $1,479,617,670 | 312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,632 |
| Cost of funding earning assets | 0.5710% | 3,369 |
| Net interest margin | 3.5521% | 3,469 |
| Noninterest income to average assets | 0.8427% | 1,949 |
| Noninterest expense to average assets | 1.9090% | 6,262 |
| Loan and lease loss provision to assets | 0.1670% | 2,192 |
| Net operating income to assets | 2.0465% | 317 |
| Return on assets (ROA) | 2.0465% | 346 |
| Pretax return on assets | 2.0465% | 547 |
| Return on Equity (ROE) | 21.0885% | 231 |
| Retained earnings to average equity (ytd only) | 10.5503% | 974 |
| Net charge-offs to loans | -0.0382% | 6,000 |
| Credit loss provision to net charge-offs | -724.6377% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3084% | 6,682 |
| Assets per employee ($millions) | 4.8182% | 2,456 |
| Cash dividends to net income (ytd only)* | 49.9714% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,421 |
| Loan loss allowance to noncurrent loans | 308.4105% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 4,978 |
| Noncurrent loans to loans | 0.6031% | 4,935 |
| Net loans and leases to total assets | 58.3919% | 3,721 |
| Net loans and leases to deposits | 77.2111% | 2,463 |
| Net loans and leases to core deposits | 87.2850% | 1,982 |
| Total domestic deposits to total assets | 75.6263% | 6,399 |
| Equity capital to assets | 9.7711% | 4,465 |
| Core capital (leverage) ratio | 9.2865% | 4,423 |
| Tier 1 risk-based capital ratio | 13.1415% | 5,111 |
| Total risk-based capital ratio | 14.3957% | 5,065 |
| Memoranda: | ||
| Average total assets | $2,395,752,500 | 310 |
| Average earning assets | $2,212,124,000 | 300 |
| Average equity | $232,486,500 | 339 |
| Average total loans | $1,446,087,000 | 321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 4,086 |
| Cost of funding earning assets | 0.6609% | 3,828 |
| Net interest margin | 3.6704% | 3,783 |
| Noninterest income to average assets | 0.9547% | 1,685 |
| Noninterest expense to average assets | 2.1081% | 6,107 |
| Loan and lease loss provision to assets | 0.1359% | 3,925 |
| Net operating income to assets | 2.0742% | 316 |
| Return on assets (ROA) | 2.0845% | 341 |
| Pretax return on assets | 2.0845% | 503 |
| Return on Equity (ROE) | 21.1681% | 255 |
| Retained earnings to average equity (ytd only) | 10.4462% | 519 |
| Net charge-offs to loans | 0.0549% | 5,164 |
| Credit loss provision to net charge-offs | 397.3510% | 611 |
| Earnings coverage of net charge-offs (x) | 64.6013% | 556 |
| Efficiency ratio | 48.8184% | 6,664 |
| Assets per employee ($millions) | 4.8033% | 2,490 |
| Cash dividends to net income (ytd only)* | 50.6511% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 2,762 |
| Loan loss allowance to noncurrent loans | 278.8571% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 4,683 |
| Noncurrent loans to loans | 0.6274% | 4,953 |
| Net loans and leases to total assets | 60.1608% | 3,579 |
| Net loans and leases to deposits | 79.4033% | 2,361 |
| Net loans and leases to core deposits | 87.5706% | 2,137 |
| Total domestic deposits to total assets | 75.7661% | 6,385 |
| Equity capital to assets | 9.6364% | 4,681 |
| Core capital (leverage) ratio | 9.2736% | 4,462 |
| Tier 1 risk-based capital ratio | 13.1017% | 5,033 |
| Total risk-based capital ratio | 14.3555% | 4,979 |
| Memoranda: | ||
| Average total assets | $2,206,830,600 | 324 |
| Average earning assets | $2,022,366,400 | 315 |
| Average equity | $217,312,800 | 344 |
| Average total loans | $1,375,402,200 | 326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 4,236 |
| Cost of funding earning assets | 0.6784% | 3,950 |
| Net interest margin | 3.6747% | 3,903 |
| Noninterest income to average assets | 0.9476% | 1,675 |
| Noninterest expense to average assets | 2.0627% | 6,239 |
| Loan and lease loss provision to assets | 0.1387% | 3,810 |
| Net operating income to assets | 2.1090% | 322 |
| Return on assets (ROA) | 2.1193% | 358 |
| Pretax return on assets | 2.1193% | 548 |
| Return on Equity (ROE) | 21.3954% | 267 |
| Retained earnings to average equity (ytd only) | 9.9291% | 933 |
| Net charge-offs to loans | 0.0405% | 5,083 |
| Credit loss provision to net charge-offs | 547.4453% | 485 |
| Earnings coverage of net charge-offs (x) | 88.7172% | 469 |
| Efficiency ratio | 47.8541% | 6,729 |
| Assets per employee ($millions) | 4.6474% | 2,682 |
| Cash dividends to net income (ytd only)* | 53.5922% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 3,025 |
| Loan loss allowance to noncurrent loans | 241.6298% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 4,588 |
| Noncurrent loans to loans | 0.7177% | 4,996 |
| Net loans and leases to total assets | 63.4018% | 3,138 |
| Net loans and leases to deposits | 84.7166% | 1,775 |
| Net loans and leases to core deposits | 93.4918% | 1,626 |
| Total domestic deposits to total assets | 74.8398% | 6,534 |
| Equity capital to assets | 9.9356% | 4,597 |
| Core capital (leverage) ratio | 9.5607% | 4,177 |
| Tier 1 risk-based capital ratio | 12.8517% | 5,368 |
| Total risk-based capital ratio | 14.1056% | 5,332 |
| Memoranda: | ||
| Average total assets | $2,162,934,000 | 331 |
| Average earning assets | $1,979,331,250 | 324 |
| Average equity | $214,246,250 | 348 |
| Average total loans | $1,354,552,250 | 329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 4,570 |
| Cost of funding earning assets | 0.6954% | 4,052 |
| Net interest margin | 3.6056% | 4,236 |
| Noninterest income to average assets | 0.8753% | 1,879 |
| Noninterest expense to average assets | 2.0260% | 6,380 |
| Loan and lease loss provision to assets | 0.1405% | 3,762 |
| Net operating income to assets | 2.0072% | 392 |
| Return on assets (ROA) | 2.0229% | 433 |
| Pretax return on assets | 2.0229% | 666 |
| Return on Equity (ROE) | 20.4438% | 325 |
| Retained earnings to average equity (ytd only) | 7.7144% | 1,757 |
| Net charge-offs to loans | 0.0237% | 5,059 |
| Credit loss provision to net charge-offs | 955.4140% | 347 |
| Earnings coverage of net charge-offs (x) | 146.0764% | 308 |
| Efficiency ratio | 48.5427% | 6,741 |
| Assets per employee ($millions) | 4.6230% | 2,681 |
| Cash dividends to net income (ytd only)* | 62.2656% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,998 |
| Loan loss allowance to noncurrent loans | 225.7381% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 4,504 |
| Noncurrent loans to loans | 0.7782% | 4,949 |
| Net loans and leases to total assets | 64.3252% | 2,965 |
| Net loans and leases to deposits | 85.0200% | 1,718 |
| Net loans and leases to core deposits | 92.6115% | 1,716 |
| Total domestic deposits to total assets | 75.6589% | 6,505 |
| Equity capital to assets | 10.0300% | 4,286 |
| Core capital (leverage) ratio | 9.4592% | 4,200 |
| Tier 1 risk-based capital ratio | 12.6979% | 5,415 |
| Total risk-based capital ratio | 13.9519% | 5,386 |
| Memoranda: | ||
| Average total assets | $2,135,683,330 | 337 |
| Average earning assets | $1,953,748,330 | 328 |
| Average equity | $211,320,330 | 349 |
| Average total loans | $1,323,307,670 | 336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 5,143 |
| Cost of funding earning assets | 0.7250% | 4,080 |
| Net interest margin | 3.4649% | 4,844 |
| Noninterest income to average assets | 0.8306% | 2,030 |
| Noninterest expense to average assets | 1.8551% | 6,727 |
| Loan and lease loss provision to assets | 0.1406% | 3,594 |
| Net operating income to assets | 1.9956% | 424 |
| Return on assets (ROA) | 1.9973% | 481 |
| Pretax return on assets | 1.9973% | 741 |
| Return on Equity (ROE) | 20.3246% | 370 |
| Retained earnings to average equity (ytd only) | 11.9769% | 825 |
| Net charge-offs to loans | -0.0489% | 6,522 |
| Credit loss provision to net charge-offs | -477.7070% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4791% | 6,873 |
| Assets per employee ($millions) | 4.7736% | 2,555 |
| Cash dividends to net income (ytd only)* | 41.0721% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 2,700 |
| Loan loss allowance to noncurrent loans | 144.8865% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 4,126 |
| Noncurrent loans to loans | 1.3053% | 4,160 |
| Net loans and leases to total assets | 58.7941% | 3,905 |
| Net loans and leases to deposits | 77.5252% | 2,593 |
| Net loans and leases to core deposits | 84.7418% | 2,448 |
| Total domestic deposits to total assets | 75.8387% | 6,562 |
| Equity capital to assets | 9.9666% | 4,166 |
| Core capital (leverage) ratio | 9.3726% | 4,233 |
| Tier 1 risk-based capital ratio | 13.3498% | 4,935 |
| Total risk-based capital ratio | 14.6046% | 4,921 |
| Memoranda: | ||
| Average total assets | $2,133,306,500 | 333 |
| Average earning assets | $1,946,016,000 | 323 |
| Average equity | $209,637,500 | 348 |
| Average total loans | $1,284,232,000 | 342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 4,995 |
| Cost of funding earning assets | 0.9360% | 3,832 |
| Net interest margin | 3.5830% | 4,796 |
| Noninterest income to average assets | 0.7573% | 2,298 |
| Noninterest expense to average assets | 2.1629% | 6,350 |
| Loan and lease loss provision to assets | 0.1779% | 4,411 |
| Net operating income to assets | 1.7269% | 529 |
| Return on assets (ROA) | 1.8084% | 487 |
| Pretax return on assets | 1.8084% | 792 |
| Return on Equity (ROE) | 18.6474% | 339 |
| Retained earnings to average equity (ytd only) | 8.0714% | 1,055 |
| Net charge-offs to loans | 0.0594% | 5,712 |
| Credit loss provision to net charge-offs | 480.6409% | 468 |
| Earnings coverage of net charge-offs (x) | 51.4513% | 542 |
| Efficiency ratio | 53.1454% | 6,596 |
| Assets per employee ($millions) | 4.8805% | 2,348 |
| Cash dividends to net income (ytd only)* | 56.7157% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,852 |
| Loan loss allowance to noncurrent loans | 187.4678% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0214% | 4,575 |
| Noncurrent loans to loans | 0.9627% | 4,782 |
| Net loans and leases to total assets | 59.3796% | 4,118 |
| Net loans and leases to deposits | 78.1992% | 2,804 |
| Net loans and leases to core deposits | 85.9835% | 2,636 |
| Total domestic deposits to total assets | 75.9338% | 6,493 |
| Equity capital to assets | 9.6871% | 4,618 |
| Core capital (leverage) ratio | 9.1606% | 4,530 |
| Tier 1 risk-based capital ratio | 12.8720% | 5,179 |
| Total risk-based capital ratio | 14.1260% | 5,149 |
| Memoranda: | ||
| Average total assets | $2,023,112,200 | 344 |
| Average earning assets | $1,869,172,200 | 335 |
| Average equity | $196,199,400 | 359 |
| Average total loans | $1,261,114,000 | 342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 5,043 |
| Cost of funding earning assets | 0.9786% | 3,829 |
| Net interest margin | 3.5802% | 4,850 |
| Noninterest income to average assets | 0.7261% | 2,445 |
| Noninterest expense to average assets | 2.0279% | 6,639 |
| Loan and lease loss provision to assets | 0.1503% | 4,568 |
| Net operating income to assets | 1.8750% | 450 |
| Return on assets (ROA) | 1.9603% | 407 |
| Pretax return on assets | 1.9603% | 680 |
| Return on Equity (ROE) | 20.2077% | 296 |
| Retained earnings to average equity (ytd only) | 6.5199% | 2,229 |
| Net charge-offs to loans | 0.0056% | 6,098 |
| Credit loss provision to net charge-offs | 4,245.2830% | 76 |
| Earnings coverage of net charge-offs (x) | 572.0208% | 62 |
| Efficiency ratio | 50.0058% | 6,828 |
| Assets per employee ($millions) | 4.8174% | 2,443 |
| Cash dividends to net income (ytd only)* | 67.7357% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 3,075 |
| Loan loss allowance to noncurrent loans | 177.1496% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 4,461 |
| Noncurrent loans to loans | 0.9928% | 4,905 |
| Net loans and leases to total assets | 62.6051% | 3,584 |
| Net loans and leases to deposits | 83.4814% | 2,095 |
| Net loans and leases to core deposits | 92.9820% | 1,887 |
| Total domestic deposits to total assets | 74.9928% | 6,641 |
| Equity capital to assets | 9.9671% | 4,387 |
| Core capital (leverage) ratio | 9.2755% | 4,493 |
| Tier 1 risk-based capital ratio | 12.7929% | 5,256 |
| Total risk-based capital ratio | 14.0468% | 5,235 |
| Memoranda: | ||
| Average total assets | $1,995,691,000 | 352 |
| Average earning assets | $1,854,647,750 | 336 |
| Average equity | $193,597,500 | 368 |
| Average total loans | $1,253,961,750 | 343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 5,249 |
| Cost of funding earning assets | 1.0107% | 3,885 |
| Net interest margin | 3.5234% | 5,055 |
| Noninterest income to average assets | 0.6723% | 2,697 |
| Noninterest expense to average assets | 2.0138% | 6,760 |
| Loan and lease loss provision to assets | 0.1509% | 4,424 |
| Net operating income to assets | 1.7983% | 506 |
| Return on assets (ROA) | 1.8414% | 484 |
| Pretax return on assets | 1.8414% | 808 |
| Return on Equity (ROE) | 19.1597% | 372 |
| Retained earnings to average equity (ytd only) | 3.4585% | 4,048 |
| Net charge-offs to loans | 0.0272% | 5,444 |
| Credit loss provision to net charge-offs | 887.5740% | 360 |
| Earnings coverage of net charge-offs (x) | 114.6509% | 310 |
| Efficiency ratio | 50.7869% | 6,888 |
| Assets per employee ($millions) | 4.7363% | 2,495 |
| Cash dividends to net income (ytd only)* | 81.9493% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,257 |
| Loan loss allowance to noncurrent loans | 120.5653% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 4,038 |
| Noncurrent loans to loans | 1.4272% | 4,276 |
| Net loans and leases to total assets | 62.7632% | 3,724 |
| Net loans and leases to deposits | 84.2842% | 2,068 |
| Net loans and leases to core deposits | 94.5781% | 1,839 |
| Total domestic deposits to total assets | 74.4662% | 6,787 |
| Equity capital to assets | 9.7799% | 4,414 |
| Core capital (leverage) ratio | 9.0600% | 4,631 |
| Tier 1 risk-based capital ratio | 12.3701% | 5,454 |
| Total risk-based capital ratio | 13.6233% | 5,437 |
| Memoranda: | ||
| Average total assets | $1,988,086,330 | 353 |
| Average earning assets | $1,856,787,330 | 337 |
| Average equity | $191,067,670 | 375 |
| Average total loans | $1,243,179,330 | 349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 5,956 |
| Cost of funding earning assets | 1.0376% | 3,939 |
| Net interest margin | 3.2819% | 5,837 |
| Noninterest income to average assets | 0.6427% | 2,886 |
| Noninterest expense to average assets | 1.9849% | 6,848 |
| Loan and lease loss provision to assets | 0.1506% | 4,136 |
| Net operating income to assets | 1.5956% | 699 |
| Return on assets (ROA) | 1.6452% | 665 |
| Pretax return on assets | 1.6452% | 1,090 |
| Return on Equity (ROE) | 17.2695% | 541 |
| Retained earnings to average equity (ytd only) | 4.3606% | 3,550 |
| Net charge-offs to loans | 0.0045% | 5,063 |
| Credit loss provision to net charge-offs | 5,357.1429% | 69 |
| Earnings coverage of net charge-offs (x) | 621.2143% | 36 |
| Efficiency ratio | 53.1723% | 6,770 |
| Assets per employee ($millions) | 4.7716% | 2,468 |
| Cash dividends to net income (ytd only)* | 74.7498% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 3,242 |
| Loan loss allowance to noncurrent loans | 125.9284% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3543% | 4,262 |
| Noncurrent loans to loans | 1.3736% | 4,410 |
| Net loans and leases to total assets | 60.8565% | 4,103 |
| Net loans and leases to deposits | 81.5717% | 2,434 |
| Net loans and leases to core deposits | 91.0930% | 2,228 |
| Total domestic deposits to total assets | 74.6049% | 6,844 |
| Equity capital to assets | 9.6402% | 4,266 |
| Core capital (leverage) ratio | 9.0773% | 4,486 |
| Tier 1 risk-based capital ratio | 12.6458% | 5,119 |
| Total risk-based capital ratio | 13.8991% | 5,094 |
| Memoranda: | ||
| Average total assets | $1,992,239,000 | 352 |
| Average earning assets | $1,874,767,000 | 333 |
| Average equity | $189,791,000 | 374 |
| Average total loans | $1,232,604,000 | 357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 5,475 |
| Cost of funding earning assets | 1.3270% | 3,705 |
| Net interest margin | 3.4565% | 5,408 |
| Noninterest income to average assets | 0.8059% | 2,253 |
| Noninterest expense to average assets | 2.2013% | 6,609 |
| Loan and lease loss provision to assets | 0.1778% | 5,445 |
| Net operating income to assets | 1.6782% | 542 |
| Return on assets (ROA) | 1.7056% | 551 |
| Pretax return on assets | 1.7056% | 930 |
| Return on Equity (ROE) | 17.5375% | 422 |
| Retained earnings to average equity (ytd only) | 9.4183% | 617 |
| Net charge-offs to loans | 0.1401% | 5,520 |
| Credit loss provision to net charge-offs | 192.4182% | 1,660 |
| Earnings coverage of net charge-offs (x) | 20.0827% | 1,026 |
| Efficiency ratio | 54.1684% | 6,791 |
| Assets per employee ($millions) | 4.9121% | 2,275 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 3,414 |
| Loan loss allowance to noncurrent loans | 125.8860% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 4,198 |
| Noncurrent loans to loans | 1.3065% | 4,531 |
| Net loans and leases to total assets | 60.7972% | 4,526 |
| Net loans and leases to deposits | 81.7197% | 2,865 |
| Net loans and leases to core deposits | 92.3500% | 2,456 |
| Total domestic deposits to total assets | 74.3973% | 6,841 |
| Equity capital to assets | 9.4148% | 4,526 |
| Core capital (leverage) ratio | 8.8294% | 4,806 |
| Tier 1 risk-based capital ratio | 12.4257% | 5,086 |
| Total risk-based capital ratio | 13.6782% | 5,070 |
| Memoranda: | ||
| Average total assets | $1,883,764,200 | 372 |
| Average earning assets | $1,772,040,200 | 352 |
| Average equity | $183,207,200 | 380 |
| Average total loans | $1,242,667,000 | 367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 5,465 |
| Cost of funding earning assets | 1.3799% | 3,707 |
| Net interest margin | 3.4710% | 5,415 |
| Noninterest income to average assets | 0.7876% | 2,298 |
| Noninterest expense to average assets | 2.1329% | 6,776 |
| Loan and lease loss provision to assets | 0.1871% | 5,170 |
| Net operating income to assets | 1.7306% | 585 |
| Return on assets (ROA) | 1.7594% | 603 |
| Pretax return on assets | 1.7594% | 996 |
| Return on Equity (ROE) | 17.9346% | 485 |
| Retained earnings to average equity (ytd only) | 8.1214% | 1,385 |
| Net charge-offs to loans | 0.0884% | 5,647 |
| Credit loss provision to net charge-offs | 315.5340% | 997 |
| Earnings coverage of net charge-offs (x) | 32.3349% | 831 |
| Efficiency ratio | 52.5676% | 6,928 |
| Assets per employee ($millions) | 4.7565% | 2,513 |
| Cash dividends to net income (ytd only)* | 54.7169% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,538 |
| Loan loss allowance to noncurrent loans | 96.9446% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 3,821 |
| Noncurrent loans to loans | 1.6460% | 4,175 |
| Net loans and leases to total assets | 65.5956% | 3,777 |
| Net loans and leases to deposits | 89.0076% | 1,856 |
| Net loans and leases to core deposits | 102.7440% | 1,584 |
| Total domestic deposits to total assets | 73.6967% | 6,961 |
| Equity capital to assets | 9.7272% | 4,506 |
| Core capital (leverage) ratio | 8.9065% | 4,840 |
| Tier 1 risk-based capital ratio | 11.8250% | 5,614 |
| Total risk-based capital ratio | 13.0774% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,852,443,250 | 377 |
| Average earning assets | $1,741,469,500 | 356 |
| Average equity | $181,722,250 | 380 |
| Average total loans | $1,242,866,250 | 363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 5,573 |
| Cost of funding earning assets | 1.4120% | 3,800 |
| Net interest margin | 3.4478% | 5,446 |
| Noninterest income to average assets | 0.7607% | 2,320 |
| Noninterest expense to average assets | 2.0639% | 6,989 |
| Loan and lease loss provision to assets | 0.1644% | 5,247 |
| Net operating income to assets | 1.7734% | 510 |
| Return on assets (ROA) | 1.8173% | 507 |
| Pretax return on assets | 1.8173% | 858 |
| Return on Equity (ROE) | 18.4697% | 427 |
| Retained earnings to average equity (ytd only) | 7.8585% | 1,489 |
| Net charge-offs to loans | 0.0362% | 5,851 |
| Credit loss provision to net charge-offs | 675.6757% | 550 |
| Earnings coverage of net charge-offs (x) | 79.6351% | 400 |
| Efficiency ratio | 51.4846% | 7,117 |
| Assets per employee ($millions) | 4.6606% | 2,631 |
| Cash dividends to net income (ytd only)* | 57.4522% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,511 |
| Loan loss allowance to noncurrent loans | 85.0720% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.8419% | 3,706 |
| Noncurrent loans to loans | 1.8648% | 3,912 |
| Net loans and leases to total assets | 67.0324% | 3,616 |
| Net loans and leases to deposits | 90.9134% | 1,707 |
| Net loans and leases to core deposits | 104.5070% | 1,588 |
| Total domestic deposits to total assets | 73.7322% | 7,004 |
| Equity capital to assets | 9.9013% | 4,135 |
| Core capital (leverage) ratio | 8.9600% | 4,672 |
| Tier 1 risk-based capital ratio | 11.8087% | 5,489 |
| Total risk-based capital ratio | 13.0611% | 5,447 |
| Memoranda: | ||
| Average total assets | $1,824,619,670 | 378 |
| Average earning assets | $1,715,163,670 | 363 |
| Average equity | $179,526,330 | 384 |
| Average total loans | $1,226,999,330 | 367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 5,682 |
| Cost of funding earning assets | 1.4425% | 3,921 |
| Net interest margin | 3.4095% | 5,542 |
| Noninterest income to average assets | 0.7207% | 2,462 |
| Noninterest expense to average assets | 2.0224% | 7,121 |
| Loan and lease loss provision to assets | 0.1660% | 4,868 |
| Net operating income to assets | 1.7329% | 573 |
| Return on assets (ROA) | 1.8155% | 525 |
| Pretax return on assets | 1.8155% | 855 |
| Return on Equity (ROE) | 18.5117% | 476 |
| Retained earnings to average equity (ytd only) | 11.5715% | 817 |
| Net charge-offs to loans | -0.0494% | 7,346 |
| Credit loss provision to net charge-offs | -503.3557% | 6,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4789% | 7,194 |
| Assets per employee ($millions) | 4.6006% | 2,799 |
| Cash dividends to net income (ytd only)* | 37.4909% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 3,287 |
| Loan loss allowance to noncurrent loans | 73.3036% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.0500% | 3,442 |
| Noncurrent loans to loans | 2.2384% | 3,473 |
| Net loans and leases to total assets | 64.7055% | 4,166 |
| Net loans and leases to deposits | 88.4009% | 2,158 |
| Net loans and leases to core deposits | 100.9302% | 2,038 |
| Total domestic deposits to total assets | 73.1955% | 7,142 |
| Equity capital to assets | 9.8423% | 4,061 |
| Core capital (leverage) ratio | 9.0510% | 4,473 |
| Tier 1 risk-based capital ratio | 12.0423% | 5,155 |
| Total risk-based capital ratio | 13.2949% | 5,117 |
| Memoranda: | ||
| Average total assets | $1,807,136,000 | 394 |
| Average earning assets | $1,696,457,500 | 380 |
| Average equity | $177,228,000 | 394 |
| Average total loans | $1,207,189,000 | 394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,082 |
| Cost of funding earning assets | 1.6020% | 5,011 |
| Net interest margin | 3.7176% | 4,054 |
| Noninterest income to average assets | 0.9049% | 1,923 |
| Noninterest expense to average assets | 2.3077% | 6,729 |
| Loan and lease loss provision to assets | 0.3950% | 4,426 |
| Net operating income to assets | 1.7067% | 428 |
| Return on assets (ROA) | 1.7932% | 383 |
| Pretax return on assets | 1.7932% | 642 |
| Return on Equity (ROE) | 17.6706% | 392 |
| Retained earnings to average equity (ytd only) | 10.4089% | 332 |
| Net charge-offs to loans | 0.3554% | 4,452 |
| Credit loss provision to net charge-offs | 157.6904% | 2,849 |
| Earnings coverage of net charge-offs (x) | 8.3899% | 1,951 |
| Efficiency ratio | 52.1984% | 7,371 |
| Assets per employee ($millions) | 4.4921% | 2,943 |
| Cash dividends to net income (ytd only)* | 41.0947% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,471 |
| Loan loss allowance to noncurrent loans | 74.2981% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,544 |
| Noncurrent loans to loans | 2.0880% | 3,538 |
| Net loans and leases to total assets | 66.7870% | 3,974 |
| Net loans and leases to deposits | 91.1700% | 2,020 |
| Net loans and leases to core deposits | 112.5623% | 2,639 |
| Total domestic deposits to total assets | 73.2554% | 7,124 |
| Equity capital to assets | 9.7712% | 4,041 |
| Core capital (leverage) ratio | 9.1776% | 4,154 |
| Tier 1 risk-based capital ratio | 11.6229% | 5,271 |
| Total risk-based capital ratio | 12.8746% | 5,228 |
| Memoranda: | ||
| Average total assets | $1,645,415,400 | 420 |
| Average earning assets | $1,551,125,600 | 411 |
| Average equity | $166,972,200 | 413 |
| Average total loans | $1,159,877,400 | 418 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 4,941 |
| Cost of funding earning assets | 1.6297% | 5,258 |
| Net interest margin | 3.7720% | 3,767 |
| Noninterest income to average assets | 0.9175% | 1,913 |
| Noninterest expense to average assets | 2.2815% | 6,751 |
| Loan and lease loss provision to assets | 0.2071% | 5,327 |
| Net operating income to assets | 1.9930% | 297 |
| Return on assets (ROA) | 2.0816% | 268 |
| Pretax return on assets | 2.0816% | 459 |
| Return on Equity (ROE) | 20.3038% | 293 |
| Retained earnings to average equity (ytd only) | 10.5086% | 545 |
| Net charge-offs to loans | 0.2172% | 4,674 |
| Credit loss provision to net charge-offs | 133.8330% | 3,723 |
| Earnings coverage of net charge-offs (x) | 14.2200% | 1,615 |
| Efficiency ratio | 50.7716% | 7,503 |
| Assets per employee ($millions) | 4.2080% | 3,367 |
| Cash dividends to net income (ytd only)* | 48.2433% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,890 |
| Loan loss allowance to noncurrent loans | 79.2884% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4559% | 4,200 |
| Noncurrent loans to loans | 1.7775% | 3,947 |
| Net loans and leases to total assets | 71.8434% | 3,076 |
| Net loans and leases to deposits | 100.0957% | 1,094 |
| Net loans and leases to core deposits | 122.8168% | 2,008 |
| Total domestic deposits to total assets | 71.7747% | 7,232 |
| Equity capital to assets | 10.3483% | 3,681 |
| Core capital (leverage) ratio | 9.3256% | 4,145 |
| Tier 1 risk-based capital ratio | 11.5991% | 5,344 |
| Total risk-based capital ratio | 12.8496% | 5,279 |
| Memoranda: | ||
| Average total assets | $1,609,809,750 | 441 |
| Average earning assets | $1,521,020,500 | 431 |
| Average equity | $165,042,000 | 427 |
| Average total loans | $1,146,632,000 | 442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 5,245 |
| Cost of funding earning assets | 1.6374% | 5,573 |
| Net interest margin | 3.7425% | 3,783 |
| Noninterest income to average assets | 0.9210% | 1,892 |
| Noninterest expense to average assets | 2.2690% | 6,850 |
| Loan and lease loss provision to assets | 0.1256% | 5,857 |
| Net operating income to assets | 2.0635% | 252 |
| Return on assets (ROA) | 2.0635% | 280 |
| Pretax return on assets | 2.0635% | 477 |
| Return on Equity (ROE) | 20.1928% | 331 |
| Retained earnings to average equity (ytd only) | 9.9913% | 737 |
| Net charge-offs to loans | 0.1493% | 4,695 |
| Credit loss provision to net charge-offs | 119.0476% | 3,904 |
| Earnings coverage of net charge-offs (x) | 20.7488% | 1,297 |
| Efficiency ratio | 50.7551% | 7,612 |
| Assets per employee ($millions) | 4.1803% | 3,327 |
| Cash dividends to net income (ytd only)* | 50.5204% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 3,676 |
| Loan loss allowance to noncurrent loans | 73.9628% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 4,081 |
| Noncurrent loans to loans | 1.9050% | 3,664 |
| Net loans and leases to total assets | 71.4217% | 3,371 |
| Net loans and leases to deposits | 102.5842% | 1,030 |
| Net loans and leases to core deposits | 122.2611% | 2,187 |
| Total domestic deposits to total assets | 69.6225% | 7,509 |
| Equity capital to assets | 10.2727% | 3,642 |
| Core capital (leverage) ratio | 9.3485% | 4,104 |
| Tier 1 risk-based capital ratio | 11.5826% | 5,301 |
| Total risk-based capital ratio | 12.8332% | 5,233 |
| Memoranda: | ||
| Average total assets | $1,592,359,000 | 454 |
| Average earning assets | $1,504,931,330 | 442 |
| Average equity | $162,721,000 | 439 |
| Average total loans | $1,125,101,330 | 465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 5,628 |
| Cost of funding earning assets | 1.6777% | 5,707 |
| Net interest margin | 3.6799% | 3,982 |
| Noninterest income to average assets | 0.8125% | 2,270 |
| Noninterest expense to average assets | 2.0624% | 7,206 |
| Loan and lease loss provision to assets | 0.1269% | 5,334 |
| Net operating income to assets | 2.0949% | 290 |
| Return on assets (ROA) | 2.0949% | 335 |
| Pretax return on assets | 2.0949% | 544 |
| Return on Equity (ROE) | 20.5559% | 385 |
| Retained earnings to average equity (ytd only) | 9.4073% | 1,367 |
| Net charge-offs to loans | 0.1041% | 4,135 |
| Credit loss provision to net charge-offs | 174.8252% | 2,467 |
| Earnings coverage of net charge-offs (x) | 30.5979% | 1,036 |
| Efficiency ratio | 47.9910% | 7,726 |
| Assets per employee ($millions) | 4.0468% | 3,561 |
| Cash dividends to net income (ytd only)* | 54.2359% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,013 |
| Loan loss allowance to noncurrent loans | 62.2365% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,289 |
| Noncurrent loans to loans | 2.4044% | 2,744 |
| Net loans and leases to total assets | 69.6306% | 3,771 |
| Net loans and leases to deposits | 96.1460% | 1,920 |
| Net loans and leases to core deposits | 113.3734% | 3,068 |
| Total domestic deposits to total assets | 72.4217% | 7,150 |
| Equity capital to assets | 10.3472% | 3,612 |
| Core capital (leverage) ratio | 9.2628% | 4,297 |
| Tier 1 risk-based capital ratio | 11.8325% | 5,094 |
| Total risk-based capital ratio | 13.0840% | 5,002 |
| Memoranda: | ||
| Average total assets | $1,575,463,500 | 467 |
| Average earning assets | $1,486,335,500 | 446 |
| Average equity | $160,557,000 | 442 |
| Average total loans | $1,098,641,000 | 478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1610% | 4,718 |
| Cost of funding earning assets | 2.2646% | 5,312 |
| Net interest margin | 3.8963% | 3,580 |
| Noninterest income to average assets | 0.7810% | 2,617 |
| Noninterest expense to average assets | 2.2335% | 6,880 |
| Loan and lease loss provision to assets | 0.2127% | 4,766 |
| Net operating income to assets | 1.9783% | 373 |
| Return on assets (ROA) | 1.9820% | 350 |
| Pretax return on assets | 1.9820% | 634 |
| Return on Equity (ROE) | 20.1286% | 361 |
| Retained earnings to average equity (ytd only) | 8.1814% | 789 |
| Net charge-offs to loans | 0.1318% | 4,902 |
| Credit loss provision to net charge-offs | 239.8801% | 1,960 |
| Earnings coverage of net charge-offs (x) | 24.7114% | 1,366 |
| Efficiency ratio | 50.3312% | 7,639 |
| Assets per employee ($millions) | 4.2271% | 3,064 |
| Cash dividends to net income (ytd only)* | 59.3541% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 2,603 |
| Loan loss allowance to noncurrent loans | 66.5291% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6500% | 2,939 |
| Noncurrent loans to loans | 2.2783% | 2,420 |
| Net loans and leases to total assets | 67.7395% | 4,503 |
| Net loans and leases to deposits | 93.1550% | 2,935 |
| Net loans and leases to core deposits | 108.7289% | 3,890 |
| Total domestic deposits to total assets | 72.7170% | 6,879 |
| Equity capital to assets | 10.0353% | 3,993 |
| Core capital (leverage) ratio | 8.9672% | 4,787 |
| Tier 1 risk-based capital ratio | 11.6280% | 5,126 |
| Total risk-based capital ratio | 12.8795% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,504,570,000 | 465 |
| Average earning assets | $1,406,907,000 | 454 |
| Average equity | $148,152,400 | 467 |
| Average total loans | $1,012,172,800 | 490 |