Home > Sunflower Bank > Performance and Condition Ratios
Sunflower Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 728 |
| Cost of funding earning assets | 1.6434% | 1,588 |
| Net interest margin | 4.2572% | 863 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 2.8548% | 1,386 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.4319% | 1,154 |
| Return on assets (ROA) | 1.4319% | 1,124 |
| Pretax return on assets | 1.8229% | 859 |
| Return on Equity (ROE) | 12.8500% | 1,768 |
| Retained earnings to average equity (ytd only) | 9.8096% | 1,065 |
| Net charge-offs to loans | 0.1265% | 780 |
| Credit loss provision to net charge-offs | 218.1178% | 1,160 |
| Earnings coverage of net charge-offs (x) | 20.2636% | 1,862 |
| Efficiency ratio | 56.8039% | 3,419 |
| Assets per employee ($millions) | 7.1373% | 1,983 |
| Cash dividends to net income (ytd only)* | 23.6409% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 1,915 |
| Loan loss allowance to noncurrent loans | 125.4905% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 585 |
| Noncurrent loans to loans | 1.0135% | 730 |
| Net loans and leases to total assets | 79.3500% | 722 |
| Net loans and leases to deposits | 97.3864% | 690 |
| Net loans and leases to core deposits | 111.3273% | 907 |
| Total domestic deposits to total assets | 81.4800% | 3,229 |
| Equity capital to assets | 11.5219% | 1,279 |
| Core capital (leverage) ratio | 11.0536% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7889% | 2,311 |
| Memoranda: | ||
| Average total assets | $7,680,892,200 | 197 |
| Average earning assets | $7,010,263,400 | 194 |
| Average equity | $856,089,600 | 183 |
| Average total loans | $6,172,024,000 | 175 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 668 |
| Cost of funding earning assets | 1.5043% | 1,590 |
| Net interest margin | 4.3120% | 793 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 2.9291% | 1,178 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.4749% | 1,176 |
| Return on assets (ROA) | 1.4749% | 1,158 |
| Pretax return on assets | 1.8792% | 891 |
| Return on Equity (ROE) | 13.3500% | 1,835 |
| Retained earnings to average equity (ytd only) | 9.2392% | 1,622 |
| Net charge-offs to loans | 0.0667% | 1,006 |
| Credit loss provision to net charge-offs | 344.3104% | 806 |
| Earnings coverage of net charge-offs (x) | 38.8918% | 1,461 |
| Efficiency ratio | 57.0490% | 3,310 |
| Assets per employee ($millions) | 7.0512% | 1,925 |
| Cash dividends to net income (ytd only)* | 30.7856% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,041 |
| Loan loss allowance to noncurrent loans | 191.7934% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 908 |
| Noncurrent loans to loans | 0.6583% | 1,249 |
| Net loans and leases to total assets | 79.4600% | 712 |
| Net loans and leases to deposits | 96.5083% | 721 |
| Net loans and leases to core deposits | 111.0828% | 835 |
| Total domestic deposits to total assets | 82.3400% | 3,154 |
| Equity capital to assets | 11.2516% | 1,256 |
| Core capital (leverage) ratio | 10.8922% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4552% | 2,465 |
| Memoranda: | ||
| Average total assets | $7,634,793,750 | 198 |
| Average earning assets | $6,961,505,500 | 195 |
| Average equity | $843,554,500 | 186 |
| Average total loans | $6,134,703,000 | 176 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 654 |
| Cost of funding earning assets | 1.3408% | 1,608 |
| Net interest margin | 4.3441% | 755 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.9475% | 1,132 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.5250% | 1,056 |
| Return on assets (ROA) | 1.5250% | 1,053 |
| Pretax return on assets | 1.9455% | 813 |
| Return on Equity (ROE) | 13.8900% | 1,704 |
| Retained earnings to average equity (ytd only) | 7.6568% | 2,084 |
| Net charge-offs to loans | 0.0253% | 1,382 |
| Credit loss provision to net charge-offs | 902.7237% | 439 |
| Earnings coverage of net charge-offs (x) | 105.9702% | 904 |
| Efficiency ratio | 56.2212% | 3,396 |
| Assets per employee ($millions) | 6.9993% | 1,928 |
| Cash dividends to net income (ytd only)* | 44.8717% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,196 |
| Loan loss allowance to noncurrent loans | 111.6125% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 450 |
| Noncurrent loans to loans | 1.1159% | 637 |
| Net loans and leases to total assets | 78.8100% | 756 |
| Net loans and leases to deposits | 99.0750% | 559 |
| Net loans and leases to core deposits | 114.6453% | 663 |
| Total domestic deposits to total assets | 79.5500% | 3,645 |
| Equity capital to assets | 10.9191% | 1,419 |
| Core capital (leverage) ratio | 10.5287% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0370% | 2,615 |
| Memoranda: | ||
| Average total assets | $7,598,985,333 | 194 |
| Average earning assets | $6,927,714,667 | 189 |
| Average equity | $834,366,000 | 183 |
| Average total loans | $6,102,608,333 | 172 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 571 |
| Cost of funding earning assets | 1.1423% | 1,623 |
| Net interest margin | 4.4088% | 674 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 2.9193% | 1,199 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.5103% | 1,165 |
| Return on assets (ROA) | 1.5103% | 1,146 |
| Pretax return on assets | 1.9264% | 878 |
| Return on Equity (ROE) | 13.7200% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.0377% | 3,262 |
| Net charge-offs to loans | 0.0036% | 1,873 |
| Credit loss provision to net charge-offs | 6,185.1852% | 75 |
| Earnings coverage of net charge-offs (x) | 731.7222% | 159 |
| Efficiency ratio | 56.9911% | 3,305 |
| Assets per employee ($millions) | 6.8208% | 2,103 |
| Cash dividends to net income (ytd only)* | 70.5617% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,476 |
| Loan loss allowance to noncurrent loans | 216.1929% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 960 |
| Noncurrent loans to loans | 0.5621% | 1,319 |
| Net loans and leases to total assets | 79.6600% | 575 |
| Net loans and leases to deposits | 100.4027% | 429 |
| Net loans and leases to core deposits | 119.2121% | 457 |
| Total domestic deposits to total assets | 79.3400% | 3,859 |
| Equity capital to assets | 10.9212% | 1,370 |
| Core capital (leverage) ratio | 10.4551% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7711% | 2,793 |
| Memoranda: | ||
| Average total assets | $7,506,840,000 | 201 |
| Average earning assets | $6,837,976,000 | 197 |
| Average equity | $826,616,500 | 188 |
| Average total loans | $6,048,192,500 | 178 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 845 |
| Cost of funding earning assets | 0.3230% | 2,698 |
| Net interest margin | 4.0956% | 664 |
| Noninterest income to average assets | 1.3600% | 386 |
| Noninterest expense to average assets | 3.5938% | 456 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.0011% | 2,561 |
| Return on assets (ROA) | 1.0011% | 2,509 |
| Pretax return on assets | 1.2571% | 2,254 |
| Return on Equity (ROE) | 9.3000% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.1681% | 1,766 |
| Net charge-offs to loans | -0.0063% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.8655% | 1,858 |
| Assets per employee ($millions) | 6.4989% | 2,334 |
| Cash dividends to net income (ytd only)* | 12.1557% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 2,875 |
| Loan loss allowance to noncurrent loans | 222.0100% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,047 |
| Noncurrent loans to loans | 0.4974% | 1,455 |
| Net loans and leases to total assets | 79.6100% | 635 |
| Net loans and leases to deposits | 102.0872% | 360 |
| Net loans and leases to core deposits | 115.0107% | 460 |
| Total domestic deposits to total assets | 77.9800% | 4,094 |
| Equity capital to assets | 11.1040% | 1,218 |
| Core capital (leverage) ratio | 10.5648% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8114% | 2,783 |
| Memoranda: | ||
| Average total assets | $6,574,047,200 | 223 |
| Average earning assets | $6,038,079,200 | 215 |
| Average equity | $707,791,200 | 213 |
| Average total loans | $5,111,270,000 | 190 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 1,007 |
| Cost of funding earning assets | 0.2010% | 3,258 |
| Net interest margin | 3.9293% | 743 |
| Noninterest income to average assets | 1.4900% | 365 |
| Noninterest expense to average assets | 3.7962% | 374 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.8389% | 3,100 |
| Return on assets (ROA) | 0.8389% | 3,072 |
| Pretax return on assets | 1.0515% | 2,871 |
| Return on Equity (ROE) | 7.8600% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.2929% | 2,637 |
| Net charge-offs to loans | 0.0087% | 1,809 |
| Credit loss provision to net charge-offs | 3,902.8213% | 143 |
| Earnings coverage of net charge-offs (x) | 196.3480% | 629 |
| Efficiency ratio | 73.4103% | 1,340 |
| Assets per employee ($millions) | 6.1358% | 2,638 |
| Cash dividends to net income (ytd only)* | 19.9790% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,195 |
| Loan loss allowance to noncurrent loans | 173.8312% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 944 |
| Noncurrent loans to loans | 0.6104% | 1,329 |
| Net loans and leases to total assets | 79.0700% | 614 |
| Net loans and leases to deposits | 96.2977% | 545 |
| Net loans and leases to core deposits | 102.4269% | 723 |
| Total domestic deposits to total assets | 82.1100% | 3,826 |
| Equity capital to assets | 11.3422% | 1,058 |
| Core capital (leverage) ratio | 10.4208% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8616% | 2,857 |
| Memoranda: | ||
| Average total assets | $6,363,743,250 | 226 |
| Average earning assets | $5,863,527,750 | 224 |
| Average equity | $678,890,500 | 220 |
| Average total loans | $4,896,798,750 | 197 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 1,323 |
| Cost of funding earning assets | 0.1665% | 3,363 |
| Net interest margin | 3.6309% | 1,019 |
| Noninterest income to average assets | 1.5004% | 338 |
| Noninterest expense to average assets | 4.1099% | 265 |
| Loan and lease loss provision to assets | 0.2834% | 237 |
| Net operating income to assets | 0.3994% | 4,107 |
| Return on assets (ROA) | 0.3994% | 4,058 |
| Pretax return on assets | 0.4675% | 4,049 |
| Return on Equity (ROE) | 3.8369% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.8369% | 3,149 |
| Net charge-offs to loans | 0.0073% | 1,730 |
| Credit loss provision to net charge-offs | 5,117.6471% | 111 |
| Earnings coverage of net charge-offs (x) | 135.5941% | 691 |
| Efficiency ratio | 83.7049% | 699 |
| Assets per employee ($millions) | 6.2013% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,471 |
| Loan loss allowance to noncurrent loans | 189.2383% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,148 |
| Noncurrent loans to loans | 0.5438% | 1,528 |
| Net loans and leases to total assets | 76.5561% | 677 |
| Net loans and leases to deposits | 90.7114% | 677 |
| Net loans and leases to core deposits | 96.3391% | 815 |
| Total domestic deposits to total assets | 84.3953% | 3,605 |
| Equity capital to assets | 11.0973% | 1,169 |
| Core capital (leverage) ratio | 9.8301% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4998% | 2,924 |
| Memoranda: | ||
| Average total assets | $6,139,051,667 | 233 |
| Average earning assets | $5,681,737,000 | 233 |
| Average equity | $639,106,667 | 226 |
| Average total loans | $4,654,324,667 | 199 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 2,206 |
| Cost of funding earning assets | 0.1302% | 3,771 |
| Net interest margin | 3.2309% | 1,781 |
| Noninterest income to average assets | 1.6695% | 305 |
| Noninterest expense to average assets | 3.6871% | 351 |
| Loan and lease loss provision to assets | 0.2603% | 247 |
| Net operating income to assets | 0.6316% | 3,294 |
| Return on assets (ROA) | 0.6316% | 3,273 |
| Pretax return on assets | 0.7417% | 3,271 |
| Return on Equity (ROE) | 6.3250% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.3250% | 2,134 |
| Net charge-offs to loans | 0.0693% | 650 |
| Credit loss provision to net charge-offs | 501.3550% | 513 |
| Earnings coverage of net charge-offs (x) | 19.3008% | 1,289 |
| Efficiency ratio | 78.1410% | 1,304 |
| Assets per employee ($millions) | 5.4214% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,077 |
| Loan loss allowance to noncurrent loans | 191.8598% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 1,093 |
| Noncurrent loans to loans | 0.6020% | 1,558 |
| Net loans and leases to total assets | 75.5693% | 535 |
| Net loans and leases to deposits | 86.9018% | 682 |
| Net loans and leases to core deposits | 91.5340% | 838 |
| Total domestic deposits to total assets | 86.9595% | 2,941 |
| Equity capital to assets | 9.8639% | 1,998 |
| Core capital (leverage) ratio | 9.4899% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4776% | 2,985 |
| Memoranda: | ||
| Average total assets | $5,686,257,000 | 251 |
| Average earning assets | $5,314,475,500 | 249 |
| Average equity | $567,777,500 | 252 |
| Average total loans | $4,256,896,500 | 210 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3356% | 3,096 |
| Cost of funding earning assets | 0.1874% | 3,580 |
| Net interest margin | 3.1482% | 2,742 |
| Noninterest income to average assets | 2.2894% | 256 |
| Noninterest expense to average assets | 4.0826% | 272 |
| Loan and lease loss provision to assets | 0.0552% | 1,945 |
| Net operating income to assets | 0.9053% | 3,017 |
| Return on assets (ROA) | 0.9053% | 3,084 |
| Pretax return on assets | 1.0936% | 2,993 |
| Return on Equity (ROE) | 8.9101% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.9101% | 1,229 |
| Net charge-offs to loans | 0.0810% | 992 |
| Credit loss provision to net charge-offs | 93.1966% | 1,860 |
| Earnings coverage of net charge-offs (x) | 19.3886% | 1,879 |
| Efficiency ratio | 77.5410% | 989 |
| Assets per employee ($millions) | 5.4724% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,133 |
| Loan loss allowance to noncurrent loans | 161.0453% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 1,057 |
| Noncurrent loans to loans | 0.7130% | 1,428 |
| Net loans and leases to total assets | 72.4136% | 816 |
| Net loans and leases to deposits | 84.1206% | 901 |
| Net loans and leases to core deposits | 89.3731% | 995 |
| Total domestic deposits to total assets | 86.0831% | 2,867 |
| Equity capital to assets | 10.1077% | 2,550 |
| Core capital (leverage) ratio | 9.2733% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9645% | 2,901 |
| Memoranda: | ||
| Average total assets | $5,432,530,000 | 255 |
| Average earning assets | $5,076,789,400 | 251 |
| Average equity | $551,980,200 | 256 |
| Average total loans | $3,973,752,200 | 219 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3398% | 3,281 |
| Cost of funding earning assets | 0.2002% | 3,606 |
| Net interest margin | 3.1397% | 2,938 |
| Noninterest income to average assets | 2.3541% | 262 |
| Noninterest expense to average assets | 4.0691% | 272 |
| Loan and lease loss provision to assets | 0.0434% | 2,128 |
| Net operating income to assets | 0.9674% | 3,030 |
| Return on assets (ROA) | 0.9674% | 3,112 |
| Pretax return on assets | 1.1729% | 3,010 |
| Return on Equity (ROE) | 9.5081% | 2,925 |
| Retained earnings to average equity (ytd only) | 9.5081% | 1,480 |
| Net charge-offs to loans | 0.0559% | 1,090 |
| Credit loss provision to net charge-offs | 106.1893% | 1,540 |
| Earnings coverage of net charge-offs (x) | 29.7670% | 1,525 |
| Efficiency ratio | 76.4888% | 1,005 |
| Assets per employee ($millions) | 5.5422% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,899 |
| Loan loss allowance to noncurrent loans | 151.4858% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,144 |
| Noncurrent loans to loans | 0.8048% | 1,413 |
| Net loans and leases to total assets | 68.4046% | 1,268 |
| Net loans and leases to deposits | 79.6435% | 1,323 |
| Net loans and leases to core deposits | 84.8502% | 1,362 |
| Total domestic deposits to total assets | 85.8885% | 2,788 |
| Equity capital to assets | 9.9822% | 2,922 |
| Core capital (leverage) ratio | 9.2321% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7606% | 2,789 |
| Memoranda: | ||
| Average total assets | $5,377,420,500 | 257 |
| Average earning assets | $5,020,725,250 | 251 |
| Average equity | $547,129,250 | 256 |
| Average total loans | $3,931,924,750 | 223 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 3,295 |
| Cost of funding earning assets | 0.2194% | 3,566 |
| Net interest margin | 3.1360% | 2,937 |
| Noninterest income to average assets | 2.5088% | 243 |
| Noninterest expense to average assets | 4.1734% | 255 |
| Loan and lease loss provision to assets | -0.0663% | 4,552 |
| Net operating income to assets | 1.0836% | 2,596 |
| Return on assets (ROA) | 1.0836% | 2,670 |
| Pretax return on assets | 1.3227% | 2,574 |
| Return on Equity (ROE) | 10.5781% | 2,562 |
| Retained earnings to average equity (ytd only) | 10.5781% | 1,223 |
| Net charge-offs to loans | 0.1545% | 538 |
| Credit loss provision to net charge-offs | -57.6037% | 2,996 |
| Earnings coverage of net charge-offs (x) | 10.9177% | 1,782 |
| Efficiency ratio | 76.3675% | 1,049 |
| Assets per employee ($millions) | 5.4514% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,447 |
| Loan loss allowance to noncurrent loans | 115.4206% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 1,103 |
| Noncurrent loans to loans | 0.9472% | 1,305 |
| Net loans and leases to total assets | 70.0675% | 1,190 |
| Net loans and leases to deposits | 81.6698% | 1,262 |
| Net loans and leases to core deposits | 87.2254% | 1,329 |
| Total domestic deposits to total assets | 85.7936% | 2,805 |
| Equity capital to assets | 10.0003% | 2,850 |
| Core capital (leverage) ratio | 9.2377% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6200% | 2,824 |
| Memoranda: | ||
| Average total assets | $5,279,995,667 | 257 |
| Average earning assets | $4,917,911,667 | 252 |
| Average equity | $540,852,667 | 257 |
| Average total loans | $3,933,833,667 | 224 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 2,811 |
| Cost of funding earning assets | 0.2400% | 3,560 |
| Net interest margin | 3.2987% | 2,392 |
| Noninterest income to average assets | 2.6368% | 249 |
| Noninterest expense to average assets | 4.2742% | 235 |
| Loan and lease loss provision to assets | -0.0272% | 4,611 |
| Net operating income to assets | 1.1951% | 2,167 |
| Return on assets (ROA) | 1.1951% | 2,242 |
| Pretax return on assets | 1.4655% | 2,086 |
| Return on Equity (ROE) | 11.5198% | 2,182 |
| Retained earnings to average equity (ytd only) | 11.5198% | 1,265 |
| Net charge-offs to loans | 0.0205% | 1,329 |
| Credit loss provision to net charge-offs | -173.2673% | 2,927 |
| Earnings coverage of net charge-offs (x) | 91.5891% | 648 |
| Efficiency ratio | 74.3403% | 1,278 |
| Assets per employee ($millions) | 5.1090% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,746 |
| Loan loss allowance to noncurrent loans | 109.0418% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 1,000 |
| Noncurrent loans to loans | 1.1306% | 1,186 |
| Net loans and leases to total assets | 71.2597% | 1,118 |
| Net loans and leases to deposits | 84.1836% | 1,128 |
| Net loans and leases to core deposits | 90.8290% | 1,179 |
| Total domestic deposits to total assets | 84.6479% | 3,239 |
| Equity capital to assets | 10.1792% | 2,532 |
| Core capital (leverage) ratio | 9.7030% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8553% | 2,719 |
| Memoranda: | ||
| Average total assets | $5,145,256,000 | 260 |
| Average earning assets | $4,797,341,000 | 253 |
| Average equity | $533,796,000 | 255 |
| Average total loans | $3,935,073,500 | 227 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 3,690 |
| Cost of funding earning assets | 0.4027% | 3,563 |
| Net interest margin | 3.2497% | 3,211 |
| Noninterest income to average assets | 3.2013% | 176 |
| Noninterest expense to average assets | 4.3885% | 275 |
| Loan and lease loss provision to assets | 0.4988% | 496 |
| Net operating income to assets | 1.0955% | 1,943 |
| Return on assets (ROA) | 1.0982% | 2,050 |
| Pretax return on assets | 1.3302% | 1,879 |
| Return on Equity (ROE) | 10.3543% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.3543% | 521 |
| Net charge-offs to loans | 0.1065% | 1,407 |
| Credit loss provision to net charge-offs | 595.3608% | 1,110 |
| Earnings coverage of net charge-offs (x) | 21.7905% | 1,880 |
| Efficiency ratio | 70.1051% | 1,934 |
| Assets per employee ($millions) | 4.7405% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,042 |
| Loan loss allowance to noncurrent loans | 127.0406% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 1,240 |
| Noncurrent loans to loans | 0.9306% | 1,512 |
| Net loans and leases to total assets | 80.1347% | 416 |
| Net loans and leases to deposits | 95.7308% | 564 |
| Net loans and leases to core deposits | 104.5926% | 702 |
| Total domestic deposits to total assets | 83.7084% | 3,203 |
| Equity capital to assets | 10.5826% | 2,603 |
| Core capital (leverage) ratio | 9.6165% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3013% | 2,842 |
| Memoranda: | ||
| Average total assets | $4,631,048,800 | 262 |
| Average earning assets | $4,293,613,800 | 251 |
| Average equity | $491,186,600 | 264 |
| Average total loans | $3,642,873,600 | 233 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 3,859 |
| Cost of funding earning assets | 0.4503% | 3,528 |
| Net interest margin | 3.2195% | 3,431 |
| Noninterest income to average assets | 3.1978% | 170 |
| Noninterest expense to average assets | 4.3462% | 282 |
| Loan and lease loss provision to assets | 0.4431% | 740 |
| Net operating income to assets | 1.1389% | 1,855 |
| Return on assets (ROA) | 1.1426% | 1,960 |
| Pretax return on assets | 1.3943% | 1,759 |
| Return on Equity (ROE) | 10.7658% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.7658% | 616 |
| Net charge-offs to loans | 0.0356% | 2,121 |
| Credit loss provision to net charge-offs | 1,597.8836% | 589 |
| Earnings coverage of net charge-offs (x) | 66.0942% | 1,035 |
| Efficiency ratio | 69.8169% | 1,907 |
| Assets per employee ($millions) | 4.7199% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,296 |
| Loan loss allowance to noncurrent loans | 158.2046% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 1,838 |
| Noncurrent loans to loans | 0.6838% | 2,082 |
| Net loans and leases to total assets | 80.0810% | 607 |
| Net loans and leases to deposits | 99.7156% | 544 |
| Net loans and leases to core deposits | 105.9535% | 849 |
| Total domestic deposits to total assets | 80.3094% | 3,798 |
| Equity capital to assets | 10.5897% | 2,713 |
| Core capital (leverage) ratio | 9.6179% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3168% | 2,835 |
| Memoranda: | ||
| Average total assets | $4,543,235,750 | 260 |
| Average earning assets | $4,207,186,000 | 252 |
| Average equity | $482,168,500 | 265 |
| Average total loans | $3,543,512,000 | 238 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,012 |
| Cost of funding earning assets | 0.5124% | 3,461 |
| Net interest margin | 3.2237% | 3,597 |
| Noninterest income to average assets | 2.9886% | 164 |
| Noninterest expense to average assets | 4.2442% | 315 |
| Loan and lease loss provision to assets | 0.4648% | 817 |
| Net operating income to assets | 1.0352% | 2,204 |
| Return on assets (ROA) | 1.0409% | 2,316 |
| Pretax return on assets | 1.2705% | 2,131 |
| Return on Equity (ROE) | 9.7998% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.7998% | 823 |
| Net charge-offs to loans | 0.0557% | 1,701 |
| Credit loss provision to net charge-offs | 1,084.2105% | 748 |
| Earnings coverage of net charge-offs (x) | 40.3189% | 1,241 |
| Efficiency ratio | 70.5169% | 1,885 |
| Assets per employee ($millions) | 4.7701% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,503 |
| Loan loss allowance to noncurrent loans | 232.0211% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,533 |
| Noncurrent loans to loans | 0.4371% | 2,854 |
| Net loans and leases to total assets | 76.8506% | 1,014 |
| Net loans and leases to deposits | 92.2941% | 1,125 |
| Net loans and leases to core deposits | 101.8279% | 1,127 |
| Total domestic deposits to total assets | 83.2670% | 3,005 |
| Equity capital to assets | 10.3684% | 2,864 |
| Core capital (leverage) ratio | 9.5020% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6287% | 2,757 |
| Memoranda: | ||
| Average total assets | $4,432,412,000 | 262 |
| Average earning assets | $4,102,832,333 | 255 |
| Average equity | $470,784,333 | 268 |
| Average total loans | $3,408,943,667 | 243 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,931 |
| Cost of funding earning assets | 0.6168% | 3,351 |
| Net interest margin | 3.3332% | 3,504 |
| Noninterest income to average assets | 2.0827% | 252 |
| Noninterest expense to average assets | 4.0328% | 493 |
| Loan and lease loss provision to assets | 0.2640% | 1,180 |
| Net operating income to assets | 0.7322% | 3,158 |
| Return on assets (ROA) | 0.7444% | 3,189 |
| Pretax return on assets | 0.8744% | 3,212 |
| Return on Equity (ROE) | 6.9155% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.9155% | 1,570 |
| Net charge-offs to loans | 0.0586% | 1,425 |
| Credit loss provision to net charge-offs | 589.4737% | 800 |
| Earnings coverage of net charge-offs (x) | 25.0947% | 1,293 |
| Efficiency ratio | 77.5439% | 1,391 |
| Assets per employee ($millions) | 4.3114% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,994 |
| Loan loss allowance to noncurrent loans | 240.9350% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,651 |
| Noncurrent loans to loans | 0.3873% | 3,099 |
| Net loans and leases to total assets | 76.0106% | 1,307 |
| Net loans and leases to deposits | 93.3041% | 1,148 |
| Net loans and leases to core deposits | 101.9575% | 1,326 |
| Total domestic deposits to total assets | 81.4655% | 3,556 |
| Equity capital to assets | 10.7478% | 3,098 |
| Core capital (leverage) ratio | 9.8462% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3862% | 2,977 |
| Memoranda: | ||
| Average total assets | $4,242,085,000 | 264 |
| Average earning assets | $3,912,311,000 | 261 |
| Average equity | $456,657,500 | 275 |
| Average total loans | $3,245,032,500 | 246 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,624 |
| Cost of funding earning assets | 0.7130% | 3,102 |
| Net interest margin | 3.5556% | 3,268 |
| Noninterest income to average assets | 1.7460% | 323 |
| Noninterest expense to average assets | 4.2089% | 423 |
| Loan and lease loss provision to assets | 0.1522% | 1,391 |
| Net operating income to assets | 0.5829% | 4,216 |
| Return on assets (ROA) | 0.6187% | 4,168 |
| Pretax return on assets | 0.6908% | 4,222 |
| Return on Equity (ROE) | 5.4022% | 4,106 |
| Retained earnings to average equity (ytd only) | -1.6285% | 4,855 |
| Net charge-offs to loans | 0.1299% | 1,472 |
| Credit loss provision to net charge-offs | 155.0090% | 1,653 |
| Earnings coverage of net charge-offs (x) | 8.1778% | 2,797 |
| Efficiency ratio | 83.0227% | 727 |
| Assets per employee ($millions) | 4.2974% | 3,514 |
| Cash dividends to net income (ytd only)* | 130.1448% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 3,974 |
| Loan loss allowance to noncurrent loans | 204.0749% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 2,422 |
| Noncurrent loans to loans | 0.4396% | 2,872 |
| Net loans and leases to total assets | 75.5739% | 1,486 |
| Net loans and leases to deposits | 90.2662% | 1,557 |
| Net loans and leases to core deposits | 98.7140% | 1,675 |
| Total domestic deposits to total assets | 83.7234% | 2,940 |
| Equity capital to assets | 10.7826% | 3,200 |
| Core capital (leverage) ratio | 9.7683% | 3,767 |
| Tier 1 risk-based capital ratio | 11.4689% | 4,645 |
| Total risk-based capital ratio | 12.3043% | 4,733 |
| Memoranda: | ||
| Average total assets | $3,973,849,000 | 270 |
| Average earning assets | $3,650,323,800 | 264 |
| Average equity | $455,147,800 | 266 |
| Average total loans | $3,004,042,600 | 253 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 3,738 |
| Cost of funding earning assets | 0.7249% | 3,098 |
| Net interest margin | 3.5488% | 3,409 |
| Noninterest income to average assets | 1.6257% | 352 |
| Noninterest expense to average assets | 4.1862% | 420 |
| Loan and lease loss provision to assets | 0.0951% | 2,014 |
| Net operating income to assets | 0.5185% | 4,473 |
| Return on assets (ROA) | 0.5648% | 4,423 |
| Pretax return on assets | 0.6557% | 4,437 |
| Return on Equity (ROE) | 4.8553% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.2711% | 3,263 |
| Net charge-offs to loans | 0.0719% | 1,802 |
| Credit loss provision to net charge-offs | 175.3287% | 1,455 |
| Earnings coverage of net charge-offs (x) | 12.8466% | 2,330 |
| Efficiency ratio | 84.6900% | 570 |
| Assets per employee ($millions) | 3.9904% | 3,920 |
| Cash dividends to net income (ytd only)* | 12.0322% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,048 |
| Loan loss allowance to noncurrent loans | 122.5176% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 1,886 |
| Noncurrent loans to loans | 0.7343% | 2,128 |
| Net loans and leases to total assets | 75.5107% | 1,562 |
| Net loans and leases to deposits | 91.0126% | 1,564 |
| Net loans and leases to core deposits | 97.2256% | 1,886 |
| Total domestic deposits to total assets | 82.9673% | 3,181 |
| Equity capital to assets | 11.6743% | 2,538 |
| Core capital (leverage) ratio | 10.5946% | 3,012 |
| Tier 1 risk-based capital ratio | 12.5565% | 4,110 |
| Total risk-based capital ratio | 13.3996% | 4,228 |
| Memoranda: | ||
| Average total assets | $3,924,129,000 | 272 |
| Average earning assets | $3,602,121,250 | 269 |
| Average equity | $456,452,750 | 265 |
| Average total loans | $2,959,542,750 | 258 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 3,713 |
| Cost of funding earning assets | 0.7162% | 3,076 |
| Net interest margin | 3.5597% | 3,404 |
| Noninterest income to average assets | 1.3038% | 515 |
| Noninterest expense to average assets | 4.1324% | 453 |
| Loan and lease loss provision to assets | 0.0771% | 2,270 |
| Net operating income to assets | 0.3255% | 4,840 |
| Return on assets (ROA) | 0.3996% | 4,754 |
| Pretax return on assets | 0.4402% | 4,774 |
| Return on Equity (ROE) | 3.4395% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.5544% | 3,920 |
| Net charge-offs to loans | 0.1020% | 1,364 |
| Credit loss provision to net charge-offs | 100.6036% | 1,953 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,628 |
| Efficiency ratio | 89.4955% | 371 |
| Assets per employee ($millions) | 3.8896% | 4,012 |
| Cash dividends to net income (ytd only)* | 25.7334% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,191 |
| Loan loss allowance to noncurrent loans | 97.4034% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 1,621 |
| Noncurrent loans to loans | 0.8950% | 1,828 |
| Net loans and leases to total assets | 75.4649% | 1,634 |
| Net loans and leases to deposits | 90.0883% | 1,727 |
| Net loans and leases to core deposits | 96.2004% | 2,048 |
| Total domestic deposits to total assets | 83.7678% | 2,960 |
| Equity capital to assets | 11.5650% | 2,561 |
| Core capital (leverage) ratio | 10.4832% | 3,114 |
| Tier 1 risk-based capital ratio | 12.4747% | 4,136 |
| Total risk-based capital ratio | 13.2978% | 4,275 |
| Memoranda: | ||
| Average total assets | $3,890,065,670 | 275 |
| Average earning assets | $3,567,647,670 | 269 |
| Average equity | $451,922,670 | 266 |
| Average total loans | $2,923,423,000 | 263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 3,487 |
| Cost of funding earning assets | 0.7047% | 3,026 |
| Net interest margin | 3.6187% | 3,188 |
| Noninterest income to average assets | 1.0804% | 687 |
| Noninterest expense to average assets | 3.9600% | 564 |
| Loan and lease loss provision to assets | -0.0520% | 5,261 |
| Net operating income to assets | 0.4300% | 4,667 |
| Return on assets (ROA) | 0.4213% | 4,696 |
| Pretax return on assets | 0.4746% | 4,738 |
| Return on Equity (ROE) | 3.6177% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.6177% | 3,474 |
| Net charge-offs to loans | 0.1597% | 839 |
| Credit loss provision to net charge-offs | -43.6300% | 3,476 |
| Earnings coverage of net charge-offs (x) | 3.6274% | 2,388 |
| Efficiency ratio | 89.1352% | 430 |
| Assets per employee ($millions) | 3.9299% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,306 |
| Loan loss allowance to noncurrent loans | 74.2330% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9576% | 1,467 |
| Noncurrent loans to loans | 1.1570% | 1,445 |
| Net loans and leases to total assets | 74.4932% | 1,715 |
| Net loans and leases to deposits | 89.5436% | 1,681 |
| Net loans and leases to core deposits | 95.6235% | 1,963 |
| Total domestic deposits to total assets | 83.1920% | 3,314 |
| Equity capital to assets | 11.8045% | 2,153 |
| Core capital (leverage) ratio | 10.6082% | 2,936 |
| Tier 1 risk-based capital ratio | 12.6062% | 4,096 |
| Total risk-based capital ratio | 13.3918% | 4,267 |
| Memoranda: | ||
| Average total assets | $3,845,587,000 | 278 |
| Average earning assets | $3,519,583,500 | 276 |
| Average equity | $447,796,500 | 268 |
| Average total loans | $2,870,547,000 | 267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,928 |
| Cost of funding earning assets | 0.5003% | 3,355 |
| Net interest margin | 3.8502% | 2,499 |
| Noninterest income to average assets | 1.1470% | 697 |
| Noninterest expense to average assets | 3.7978% | 688 |
| Loan and lease loss provision to assets | 0.1088% | 2,021 |
| Net operating income to assets | 0.5872% | 4,454 |
| Return on assets (ROA) | 0.5872% | 4,458 |
| Pretax return on assets | 0.7508% | 4,289 |
| Return on Equity (ROE) | 4.9337% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.2254% | 4,270 |
| Net charge-offs to loans | 0.0003% | 3,778 |
| Credit loss provision to net charge-offs | 50,625.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 4,000.3750% | 17 |
| Efficiency ratio | 80.2967% | 935 |
| Assets per employee ($millions) | 4.0415% | 3,842 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,073 |
| Loan loss allowance to noncurrent loans | 83.5782% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 1,490 |
| Noncurrent loans to loans | 1.1048% | 1,469 |
| Net loans and leases to total assets | 73.4698% | 2,016 |
| Net loans and leases to deposits | 93.3294% | 1,354 |
| Net loans and leases to core deposits | 97.2669% | 1,946 |
| Total domestic deposits to total assets | 78.7210% | 4,363 |
| Equity capital to assets | 11.4851% | 2,259 |
| Core capital (leverage) ratio | 10.6551% | 2,886 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,138 |
| Total risk-based capital ratio | 13.3438% | 4,258 |
| Memoranda: | ||
| Average total assets | $3,723,042,000 | 278 |
| Average earning assets | $3,394,435,600 | 276 |
| Average equity | $443,075,800 | 267 |
| Average total loans | $2,718,827,600 | 271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 2,741 |
| Cost of funding earning assets | 0.4591% | 3,463 |
| Net interest margin | 3.9069% | 2,273 |
| Noninterest income to average assets | 1.1868% | 667 |
| Noninterest expense to average assets | 3.8266% | 645 |
| Loan and lease loss provision to assets | 0.0434% | 3,124 |
| Net operating income to assets | 0.6993% | 4,223 |
| Return on assets (ROA) | 0.6993% | 4,233 |
| Pretax return on assets | 0.8784% | 4,094 |
| Return on Equity (ROE) | 5.8226% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.8226% | 2,745 |
| Net charge-offs to loans | -0.0162% | 4,560 |
| Credit loss provision to net charge-offs | -366.9725% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3334% | 1,006 |
| Assets per employee ($millions) | 4.0305% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,331 |
| Loan loss allowance to noncurrent loans | 93.8578% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 1,884 |
| Noncurrent loans to loans | 0.9409% | 1,804 |
| Net loans and leases to total assets | 71.6670% | 2,379 |
| Net loans and leases to deposits | 93.3459% | 1,461 |
| Net loans and leases to core deposits | 97.9451% | 1,939 |
| Total domestic deposits to total assets | 76.7758% | 4,680 |
| Equity capital to assets | 12.0409% | 1,887 |
| Core capital (leverage) ratio | 11.0614% | 2,522 |
| Tier 1 risk-based capital ratio | 12.9932% | 3,911 |
| Total risk-based capital ratio | 13.7875% | 4,074 |
| Memoranda: | ||
| Average total assets | $3,689,901,000 | 278 |
| Average earning assets | $3,363,708,000 | 277 |
| Average equity | $443,139,250 | 264 |
| Average total loans | $2,683,758,250 | 271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,441 |
| Cost of funding earning assets | 0.4116% | 3,639 |
| Net interest margin | 3.9816% | 1,920 |
| Noninterest income to average assets | 1.1311% | 747 |
| Noninterest expense to average assets | 3.7340% | 723 |
| Loan and lease loss provision to assets | 0.0653% | 2,593 |
| Net operating income to assets | 0.7625% | 3,986 |
| Return on assets (ROA) | 0.7625% | 3,991 |
| Pretax return on assets | 0.9601% | 3,775 |
| Return on Equity (ROE) | 6.3549% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.3549% | 2,384 |
| Net charge-offs to loans | -0.0338% | 4,781 |
| Credit loss provision to net charge-offs | -265.4867% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1557% | 1,290 |
| Assets per employee ($millions) | 4.4287% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,351 |
| Loan loss allowance to noncurrent loans | 149.0039% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 2,328 |
| Noncurrent loans to loans | 0.6022% | 2,610 |
| Net loans and leases to total assets | 71.9650% | 2,282 |
| Net loans and leases to deposits | 93.2491% | 1,442 |
| Net loans and leases to core deposits | 97.7512% | 1,910 |
| Total domestic deposits to total assets | 77.1750% | 4,713 |
| Equity capital to assets | 12.0911% | 1,792 |
| Core capital (leverage) ratio | 11.0630% | 2,470 |
| Tier 1 risk-based capital ratio | 12.8896% | 3,954 |
| Total risk-based capital ratio | 13.6919% | 4,113 |
| Memoranda: | ||
| Average total assets | $3,673,097,330 | 276 |
| Average earning assets | $3,347,213,330 | 275 |
| Average equity | $440,729,670 | 263 |
| Average total loans | $2,676,860,000 | 272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,193 |
| Cost of funding earning assets | 0.3673% | 3,852 |
| Net interest margin | 4.0334% | 1,614 |
| Noninterest income to average assets | 1.1618% | 681 |
| Noninterest expense to average assets | 3.8981% | 590 |
| Loan and lease loss provision to assets | 0.0982% | 1,880 |
| Net operating income to assets | 0.6656% | 4,223 |
| Return on assets (ROA) | 0.6656% | 4,227 |
| Pretax return on assets | 0.8397% | 4,056 |
| Return on Equity (ROE) | 5.5633% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,922 |
| Net charge-offs to loans | -0.0955% | 5,190 |
| Credit loss provision to net charge-offs | -140.8451% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3022% | 1,222 |
| Assets per employee ($millions) | 4.2760% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,457 |
| Loan loss allowance to noncurrent loans | 188.8713% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 2,826 |
| Noncurrent loans to loans | 0.4758% | 3,096 |
| Net loans and leases to total assets | 72.0755% | 2,156 |
| Net loans and leases to deposits | 91.5702% | 1,496 |
| Net loans and leases to core deposits | 95.5569% | 2,011 |
| Total domestic deposits to total assets | 78.7106% | 4,623 |
| Equity capital to assets | 12.0148% | 1,773 |
| Core capital (leverage) ratio | 10.8444% | 2,583 |
| Tier 1 risk-based capital ratio | 12.2071% | 4,429 |
| Total risk-based capital ratio | 12.9796% | 4,608 |
| Memoranda: | ||
| Average total assets | $3,667,329,000 | 274 |
| Average earning assets | $3,340,691,000 | 275 |
| Average equity | $438,729,500 | 264 |
| Average total loans | $2,677,435,500 | 272 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,912 |
| Cost of funding earning assets | 0.3216% | 3,936 |
| Net interest margin | 3.5192% | 3,466 |
| Noninterest income to average assets | 1.0467% | 923 |
| Noninterest expense to average assets | 3.8878% | 623 |
| Loan and lease loss provision to assets | 0.1874% | 1,128 |
| Net operating income to assets | 0.0421% | 5,315 |
| Return on assets (ROA) | 0.0434% | 5,320 |
| Pretax return on assets | 0.1816% | 5,326 |
| Return on Equity (ROE) | 0.3894% | 5,323 |
| Retained earnings to average equity (ytd only) | 0.3894% | 4,873 |
| Net charge-offs to loans | 0.0232% | 3,343 |
| Credit loss provision to net charge-offs | 1,083.7524% | 333 |
| Earnings coverage of net charge-offs (x) | 21.2166% | 1,923 |
| Efficiency ratio | 90.2809% | 422 |
| Assets per employee ($millions) | 4.3484% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,740 |
| Loan loss allowance to noncurrent loans | 108.8250% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 2,094 |
| Noncurrent loans to loans | 0.7620% | 2,298 |
| Net loans and leases to total assets | 72.6770% | 2,141 |
| Net loans and leases to deposits | 89.2840% | 1,860 |
| Net loans and leases to core deposits | 92.5199% | 2,325 |
| Total domestic deposits to total assets | 81.3998% | 4,022 |
| Equity capital to assets | 11.9119% | 1,899 |
| Core capital (leverage) ratio | 10.7153% | 2,628 |
| Tier 1 risk-based capital ratio | 11.9677% | 4,554 |
| Total risk-based capital ratio | 12.6680% | 4,785 |
| Memoranda: | ||
| Average total assets | $2,989,171,000 | 308 |
| Average earning assets | $2,724,922,200 | 306 |
| Average equity | $333,335,400 | 306 |
| Average total loans | $2,225,079,400 | 292 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,466 |
| Cost of funding earning assets | 0.3194% | 3,938 |
| Net interest margin | 3.3201% | 4,105 |
| Noninterest income to average assets | 0.9877% | 1,055 |
| Noninterest expense to average assets | 3.8612% | 627 |
| Loan and lease loss provision to assets | 0.2344% | 771 |
| Net operating income to assets | 0.2157% | 5,338 |
| Return on assets (ROA) | 0.2166% | 5,351 |
| Pretax return on assets | -0.0770% | 5,535 |
| Return on Equity (ROE) | 1.9862% | 5,312 |
| Retained earnings to average equity (ytd only) | 1.9862% | 4,642 |
| Net charge-offs to loans | 0.0022% | 3,689 |
| Credit loss provision to net charge-offs | 14,567.6471% | 29 |
| Earnings coverage of net charge-offs (x) | 97.0635% | 701 |
| Efficiency ratio | 95.2954% | 262 |
| Assets per employee ($millions) | 4.2115% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,842 |
| Loan loss allowance to noncurrent loans | 92.1014% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 2,204 |
| Noncurrent loans to loans | 0.8894% | 2,150 |
| Net loans and leases to total assets | 72.7414% | 2,140 |
| Net loans and leases to deposits | 89.1893% | 1,908 |
| Net loans and leases to core deposits | 93.2965% | 2,320 |
| Total domestic deposits to total assets | 81.5584% | 3,903 |
| Equity capital to assets | 11.9419% | 2,007 |
| Core capital (leverage) ratio | 10.3945% | 3,094 |
| Tier 1 risk-based capital ratio | 11.6348% | 4,861 |
| Total risk-based capital ratio | 12.3197% | 5,096 |
| Memoranda: | ||
| Average total assets | $2,816,785,750 | 321 |
| Average earning assets | $2,570,436,000 | 317 |
| Average equity | $307,118,250 | 330 |
| Average total loans | $2,107,365,750 | 304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0500% | 5,397 |
| Cost of funding earning assets | 0.3081% | 4,005 |
| Net interest margin | 2.7419% | 5,316 |
| Noninterest income to average assets | 0.8324% | 1,459 |
| Noninterest expense to average assets | 3.8502% | 631 |
| Loan and lease loss provision to assets | 0.3924% | 346 |
| Net operating income to assets | -0.3487% | 5,660 |
| Return on assets (ROA) | -0.3473% | 5,659 |
| Pretax return on assets | -0.9013% | 5,705 |
| Return on Equity (ROE) | -3.3406% | 5,659 |
| Retained earnings to average equity (ytd only) | -3.3406% | 5,455 |
| Net charge-offs to loans | -0.0185% | 4,755 |
| Credit loss provision to net charge-offs | -2,814.2045% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3052% | 79 |
| Assets per employee ($millions) | 4.2885% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,911 |
| Loan loss allowance to noncurrent loans | 166.7163% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 3,176 |
| Noncurrent loans to loans | 0.4890% | 3,285 |
| Net loans and leases to total assets | 72.7961% | 2,080 |
| Net loans and leases to deposits | 87.3576% | 2,057 |
| Net loans and leases to core deposits | 92.0094% | 2,338 |
| Total domestic deposits to total assets | 83.3311% | 3,457 |
| Equity capital to assets | 11.5405% | 2,287 |
| Core capital (leverage) ratio | 17.4056% | 336 |
| Tier 1 risk-based capital ratio | 11.6799% | 4,849 |
| Total risk-based capital ratio | 12.3904% | 5,066 |
| Memoranda: | ||
| Average total assets | $2,524,538,000 | 351 |
| Average earning assets | $2,308,055,000 | 348 |
| Average equity | $262,465,000 | 359 |
| Average total loans | $1,906,850,000 | 328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 4,407 |
| Cost of funding earning assets | 0.3472% | 3,563 |
| Net interest margin | 3.2581% | 4,142 |
| Noninterest income to average assets | 1.0060% | 993 |
| Noninterest expense to average assets | 3.3394% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4884% | 831 |
| Return on assets (ROA) | 1.4884% | 860 |
| Pretax return on assets | 0.6935% | 4,472 |
| Return on Equity (ROE) | 16.0413% | 524 |
| Retained earnings to average equity (ytd only) | 16.0413% | 198 |
| Net charge-offs to loans | 0.0019% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 474.2857% | 118 |
| Efficiency ratio | 82.8033% | 1,087 |
| Assets per employee ($millions) | 3.8961% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 3,463 |
| Loan loss allowance to noncurrent loans | 437.5063% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,833 |
| Noncurrent loans to loans | 0.2608% | 4,180 |
| Net loans and leases to total assets | 76.7721% | 1,294 |
| Net loans and leases to deposits | 103.4258% | 426 |
| Net loans and leases to core deposits | 104.8732% | 1,166 |
| Total domestic deposits to total assets | 74.2291% | 5,401 |
| Equity capital to assets | 9.3251% | 4,478 |
| Core capital (leverage) ratio | 8.9492% | 4,798 |
| Tier 1 risk-based capital ratio | 11.1085% | 5,255 |
| Total risk-based capital ratio | 12.2818% | 5,199 |
| Memoranda: | ||
| Average total assets | $1,914,861,000 | 430 |
| Average earning assets | $1,778,933,000 | 424 |
| Average equity | $177,666,500 | 478 |
| Average total loans | $1,486,371,500 | 397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,166 |
| Cost of funding earning assets | 0.3390% | 3,641 |
| Net interest margin | 3.3773% | 3,903 |
| Noninterest income to average assets | 1.1175% | 919 |
| Noninterest expense to average assets | 4.6635% | 326 |
| Loan and lease loss provision to assets | 0.1469% | 1,694 |
| Net operating income to assets | -0.5271% | 5,791 |
| Return on assets (ROA) | -0.5238% | 5,794 |
| Pretax return on assets | -0.5534% | 5,786 |
| Return on Equity (ROE) | -4.9654% | 5,787 |
| Retained earnings to average equity (ytd only) | -14.2146% | 5,820 |
| Net charge-offs to loans | 0.0058% | 4,057 |
| Credit loss provision to net charge-offs | 3,354.4304% | 131 |
| Earnings coverage of net charge-offs (x) | -93.5696% | 4,275 |
| Efficiency ratio | 109.6357% | 128 |
| Assets per employee ($millions) | 3.7558% | 4,388 |
| Cash dividends to net income (ytd only)* | -186.2708% | 5,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,224 |
| Loan loss allowance to noncurrent loans | 455.5790% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 3,893 |
| Noncurrent loans to loans | 0.2597% | 4,220 |
| Net loans and leases to total assets | 76.6685% | 1,410 |
| Net loans and leases to deposits | 98.2103% | 812 |
| Net loans and leases to core deposits | 99.5109% | 1,658 |
| Total domestic deposits to total assets | 78.0657% | 4,972 |
| Equity capital to assets | 9.2299% | 4,540 |
| Core capital (leverage) ratio | 8.6277% | 5,144 |
| Tier 1 risk-based capital ratio | 11.0629% | 5,309 |
| Total risk-based capital ratio | 12.2839% | 5,215 |
| Memoranda: | ||
| Average total assets | $1,803,515,000 | 429 |
| Average earning assets | $1,674,724,800 | 425 |
| Average equity | $190,254,800 | 444 |
| Average total loans | $1,357,452,800 | 402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,138 |
| Cost of funding earning assets | 0.3360% | 3,699 |
| Net interest margin | 3.3965% | 3,850 |
| Noninterest income to average assets | 1.1383% | 886 |
| Noninterest expense to average assets | 3.4572% | 1,229 |
| Loan and lease loss provision to assets | 0.1981% | 1,071 |
| Net operating income to assets | 0.6207% | 4,209 |
| Return on assets (ROA) | 0.6253% | 4,308 |
| Pretax return on assets | 0.6412% | 4,763 |
| Return on Equity (ROE) | 5.7385% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.0754% | 4,655 |
| Net charge-offs to loans | 0.0756% | 2,242 |
| Credit loss provision to net charge-offs | 350.9934% | 925 |
| Earnings coverage of net charge-offs (x) | 14.7894% | 2,221 |
| Efficiency ratio | 80.5552% | 1,367 |
| Assets per employee ($millions) | 3.6802% | 4,507 |
| Cash dividends to net income (ytd only)* | 63.8342% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,372 |
| Loan loss allowance to noncurrent loans | 203.4698% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 3,120 |
| Noncurrent loans to loans | 0.5798% | 3,270 |
| Net loans and leases to total assets | 74.7935% | 1,741 |
| Net loans and leases to deposits | 97.6169% | 891 |
| Net loans and leases to core deposits | 98.9970% | 1,726 |
| Total domestic deposits to total assets | 76.6194% | 5,145 |
| Equity capital to assets | 10.6032% | 3,451 |
| Core capital (leverage) ratio | 9.7146% | 3,915 |
| Tier 1 risk-based capital ratio | 12.6947% | 4,345 |
| Total risk-based capital ratio | 13.8980% | 4,282 |
| Memoranda: | ||
| Average total assets | $1,783,977,250 | 433 |
| Average earning assets | $1,656,302,000 | 431 |
| Average equity | $194,399,750 | 441 |
| Average total loans | $1,331,837,000 | 408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,240 |
| Cost of funding earning assets | 0.3272% | 3,820 |
| Net interest margin | 3.3904% | 3,932 |
| Noninterest income to average assets | 1.1296% | 877 |
| Noninterest expense to average assets | 3.4283% | 1,322 |
| Loan and lease loss provision to assets | 0.3013% | 594 |
| Net operating income to assets | 0.5381% | 4,530 |
| Return on assets (ROA) | 0.5452% | 4,610 |
| Pretax return on assets | 0.5524% | 5,017 |
| Return on Equity (ROE) | 4.9557% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.1400% | 4,925 |
| Net charge-offs to loans | 0.2741% | 871 |
| Credit loss provision to net charge-offs | 147.9620% | 1,606 |
| Earnings coverage of net charge-offs (x) | 4.1575% | 3,012 |
| Efficiency ratio | 80.1968% | 1,473 |
| Assets per employee ($millions) | 3.8310% | 4,210 |
| Cash dividends to net income (ytd only)* | 76.9969% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,813 |
| Loan loss allowance to noncurrent loans | 109.6554% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,355 |
| Noncurrent loans to loans | 1.0254% | 2,240 |
| Net loans and leases to total assets | 74.4019% | 1,751 |
| Net loans and leases to deposits | 94.0625% | 1,290 |
| Net loans and leases to core deposits | 95.4826% | 2,024 |
| Total domestic deposits to total assets | 79.0983% | 4,759 |
| Equity capital to assets | 10.6022% | 3,530 |
| Core capital (leverage) ratio | 9.8542% | 3,744 |
| Tier 1 risk-based capital ratio | 12.7172% | 4,376 |
| Total risk-based capital ratio | 13.8597% | 4,348 |
| Memoranda: | ||
| Average total assets | $1,759,136,670 | 441 |
| Average earning assets | $1,631,913,330 | 435 |
| Average equity | $193,512,670 | 444 |
| Average total loans | $1,306,905,330 | 413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,376 |
| Cost of funding earning assets | 0.3160% | 3,998 |
| Net interest margin | 3.3699% | 3,980 |
| Noninterest income to average assets | 1.0737% | 940 |
| Noninterest expense to average assets | 3.5355% | 1,124 |
| Loan and lease loss provision to assets | 0.3955% | 351 |
| Net operating income to assets | 0.2585% | 5,416 |
| Return on assets (ROA) | 0.2587% | 5,482 |
| Pretax return on assets | 0.2694% | 5,553 |
| Return on Equity (ROE) | 2.3072% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.0229% | 4,829 |
| Net charge-offs to loans | 0.5603% | 393 |
| Credit loss provision to net charge-offs | 95.6669% | 1,711 |
| Earnings coverage of net charge-offs (x) | 1.6078% | 2,793 |
| Efficiency ratio | 84.1744% | 1,141 |
| Assets per employee ($millions) | 3.4498% | 4,885 |
| Cash dividends to net income (ytd only)* | 55.6655% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,958 |
| Loan loss allowance to noncurrent loans | 124.9829% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 2,625 |
| Noncurrent loans to loans | 0.8934% | 2,610 |
| Net loans and leases to total assets | 73.7493% | 1,766 |
| Net loans and leases to deposits | 93.2835% | 1,207 |
| Net loans and leases to core deposits | 94.7230% | 1,912 |
| Total domestic deposits to total assets | 79.0593% | 4,958 |
| Equity capital to assets | 11.0010% | 2,939 |
| Core capital (leverage) ratio | 10.2814% | 3,223 |
| Tier 1 risk-based capital ratio | 13.4282% | 4,026 |
| Total risk-based capital ratio | 14.5673% | 4,012 |
| Memoranda: | ||
| Average total assets | $1,719,261,500 | 454 |
| Average earning assets | $1,595,083,500 | 440 |
| Average equity | $192,787,500 | 442 |
| Average total loans | $1,268,495,000 | 418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,505 |
| Cost of funding earning assets | 0.3371% | 3,823 |
| Net interest margin | 3.3167% | 4,220 |
| Noninterest income to average assets | 1.2484% | 770 |
| Noninterest expense to average assets | 3.3539% | 1,598 |
| Loan and lease loss provision to assets | 0.0879% | 2,541 |
| Net operating income to assets | 0.8777% | 2,988 |
| Return on assets (ROA) | 0.9075% | 2,908 |
| Pretax return on assets | 0.9276% | 3,735 |
| Return on Equity (ROE) | 8.0651% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.7322% | 1,939 |
| Net charge-offs to loans | 0.0345% | 3,515 |
| Credit loss provision to net charge-offs | 362.7451% | 818 |
| Earnings coverage of net charge-offs (x) | 40.6495% | 1,168 |
| Efficiency ratio | 77.2951% | 2,075 |
| Assets per employee ($millions) | 3.3319% | 5,098 |
| Cash dividends to net income (ytd only)* | 28.9258% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,504 |
| Loan loss allowance to noncurrent loans | 174.1913% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 3,096 |
| Noncurrent loans to loans | 0.6876% | 3,128 |
| Net loans and leases to total assets | 72.0721% | 2,037 |
| Net loans and leases to deposits | 89.7160% | 1,647 |
| Net loans and leases to core deposits | 91.0814% | 2,307 |
| Total domestic deposits to total assets | 80.3336% | 4,657 |
| Equity capital to assets | 11.4350% | 2,411 |
| Core capital (leverage) ratio | 10.5638% | 2,867 |
| Tier 1 risk-based capital ratio | 14.2025% | 3,605 |
| Total risk-based capital ratio | 15.4204% | 3,539 |
| Memoranda: | ||
| Average total assets | $1,683,446,200 | 432 |
| Average earning assets | $1,568,722,000 | 420 |
| Average equity | $189,421,600 | 434 |
| Average total loans | $1,183,838,600 | 419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 4,611 |
| Cost of funding earning assets | 0.3515% | 3,740 |
| Net interest margin | 3.2877% | 4,403 |
| Noninterest income to average assets | 1.2728% | 737 |
| Noninterest expense to average assets | 3.2893% | 1,718 |
| Loan and lease loss provision to assets | 0.0776% | 2,630 |
| Net operating income to assets | 0.9561% | 2,691 |
| Return on assets (ROA) | 0.9955% | 2,582 |
| Pretax return on assets | 1.0137% | 3,562 |
| Return on Equity (ROE) | 8.8834% | 2,637 |
| Retained earnings to average equity (ytd only) | 6.8341% | 1,771 |
| Net charge-offs to loans | -0.0060% | 4,860 |
| Credit loss provision to net charge-offs | -1,849.0566% | 5,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7832% | 2,277 |
| Assets per employee ($millions) | 3.2569% | 5,202 |
| Cash dividends to net income (ytd only)* | 23.0690% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,656 |
| Loan loss allowance to noncurrent loans | 129.9504% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 2,884 |
| Noncurrent loans to loans | 0.9239% | 2,670 |
| Net loans and leases to total assets | 72.6379% | 1,963 |
| Net loans and leases to deposits | 91.9438% | 1,413 |
| Net loans and leases to core deposits | 93.3289% | 2,139 |
| Total domestic deposits to total assets | 79.0025% | 4,976 |
| Equity capital to assets | 11.5470% | 2,465 |
| Core capital (leverage) ratio | 10.5059% | 3,041 |
| Tier 1 risk-based capital ratio | 14.2557% | 3,698 |
| Total risk-based capital ratio | 15.4802% | 3,648 |
| Memoranda: | ||
| Average total assets | $1,683,660,750 | 436 |
| Average earning assets | $1,570,913,250 | 422 |
| Average equity | $188,676,000 | 438 |
| Average total loans | $1,172,954,000 | 425 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,651 |
| Cost of funding earning assets | 0.3612% | 3,683 |
| Net interest margin | 3.2648% | 4,438 |
| Noninterest income to average assets | 1.2468% | 783 |
| Noninterest expense to average assets | 3.2339% | 1,882 |
| Loan and lease loss provision to assets | 0.0390% | 3,337 |
| Net operating income to assets | 1.0114% | 2,331 |
| Return on assets (ROA) | 1.0707% | 2,155 |
| Pretax return on assets | 1.0811% | 3,254 |
| Return on Equity (ROE) | 9.6506% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.6506% | 742 |
| Net charge-offs to loans | -0.0149% | 5,059 |
| Credit loss provision to net charge-offs | -383.7209% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3105% | 2,493 |
| Assets per employee ($millions) | 3.4532% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,978 |
| Loan loss allowance to noncurrent loans | 132.1415% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 3,367 |
| Noncurrent loans to loans | 0.8846% | 2,916 |
| Net loans and leases to total assets | 71.1944% | 2,130 |
| Net loans and leases to deposits | 88.2260% | 1,802 |
| Net loans and leases to core deposits | 89.5107% | 2,392 |
| Total domestic deposits to total assets | 80.6954% | 4,693 |
| Equity capital to assets | 11.4566% | 2,452 |
| Core capital (leverage) ratio | 10.3467% | 3,150 |
| Tier 1 risk-based capital ratio | 14.4472% | 3,667 |
| Total risk-based capital ratio | 15.6406% | 3,622 |
| Memoranda: | ||
| Average total assets | $1,691,212,670 | 433 |
| Average earning assets | $1,578,523,670 | 419 |
| Average equity | $187,636,000 | 442 |
| Average total loans | $1,156,878,670 | 430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,729 |
| Cost of funding earning assets | 0.3708% | 3,638 |
| Net interest margin | 3.2166% | 4,545 |
| Noninterest income to average assets | 1.1099% | 920 |
| Noninterest expense to average assets | 3.1901% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8880% | 2,805 |
| Return on assets (ROA) | 1.0187% | 2,316 |
| Pretax return on assets | 1.0577% | 3,271 |
| Return on Equity (ROE) | 9.3313% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.3313% | 1,092 |
| Net charge-offs to loans | -0.3173% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5880% | 2,248 |
| Assets per employee ($millions) | 3.5495% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 3,663 |
| Loan loss allowance to noncurrent loans | 165.7691% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 3,805 |
| Noncurrent loans to loans | 0.7564% | 3,365 |
| Net loans and leases to total assets | 68.0033% | 2,438 |
| Net loans and leases to deposits | 83.2222% | 2,176 |
| Net loans and leases to core deposits | 84.3826% | 2,728 |
| Total domestic deposits to total assets | 81.7129% | 4,601 |
| Equity capital to assets | 11.1410% | 2,820 |
| Core capital (leverage) ratio | 9.9574% | 3,652 |
| Tier 1 risk-based capital ratio | 14.4017% | 3,774 |
| Total risk-based capital ratio | 15.6660% | 3,690 |
| Memoranda: | ||
| Average total assets | $1,702,876,500 | 431 |
| Average earning assets | $1,589,149,500 | 420 |
| Average equity | $185,912,500 | 445 |
| Average total loans | $1,134,576,000 | 436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 5,422 |
| Cost of funding earning assets | 0.4071% | 3,613 |
| Net interest margin | 3.0500% | 5,314 |
| Noninterest income to average assets | 1.1888% | 851 |
| Noninterest expense to average assets | 2.9674% | 2,942 |
| Loan and lease loss provision to assets | 0.0220% | 4,175 |
| Net operating income to assets | 1.0232% | 2,287 |
| Return on assets (ROA) | 1.0337% | 2,320 |
| Pretax return on assets | 1.0526% | 3,289 |
| Return on Equity (ROE) | 9.5112% | 2,336 |
| Retained earnings to average equity (ytd only) | 1.0239% | 5,308 |
| Net charge-offs to loans | -0.0124% | 5,602 |
| Credit loss provision to net charge-offs | -290.6977% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6082% | 2,901 |
| Assets per employee ($millions) | 3.5459% | 4,827 |
| Cash dividends to net income (ytd only)* | 89.2351% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 3,850 |
| Loan loss allowance to noncurrent loans | 263.5467% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 4,770 |
| Noncurrent loans to loans | 0.4656% | 4,259 |
| Net loans and leases to total assets | 63.6495% | 3,269 |
| Net loans and leases to deposits | 78.8628% | 2,857 |
| Net loans and leases to core deposits | 79.9926% | 3,298 |
| Total domestic deposits to total assets | 80.7091% | 4,824 |
| Equity capital to assets | 10.6994% | 3,238 |
| Core capital (leverage) ratio | 9.5887% | 4,118 |
| Tier 1 risk-based capital ratio | 14.8641% | 3,560 |
| Total risk-based capital ratio | 16.1222% | 3,493 |
| Memoranda: | ||
| Average total assets | $1,701,237,800 | 419 |
| Average earning assets | $1,585,497,600 | 409 |
| Average equity | $184,888,200 | 434 |
| Average total loans | $1,042,182,800 | 442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 5,013 |
| Cost of funding earning assets | 0.4179% | 3,600 |
| Net interest margin | 3.2295% | 4,861 |
| Noninterest income to average assets | 1.2080% | 830 |
| Noninterest expense to average assets | 3.0732% | 2,550 |
| Loan and lease loss provision to assets | 0.0295% | 3,818 |
| Net operating income to assets | 1.1007% | 2,028 |
| Return on assets (ROA) | 1.1203% | 2,024 |
| Pretax return on assets | 1.1351% | 3,049 |
| Return on Equity (ROE) | 10.2678% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.2232% | 2,934 |
| Net charge-offs to loans | 0.0814% | 3,034 |
| Credit loss provision to net charge-offs | 59.9042% | 2,936 |
| Earnings coverage of net charge-offs (x) | 23.2587% | 1,593 |
| Efficiency ratio | 72.8591% | 3,028 |
| Assets per employee ($millions) | 3.5935% | 4,690 |
| Cash dividends to net income (ytd only)* | 49.1297% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 4,040 |
| Loan loss allowance to noncurrent loans | 277.9145% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 5,135 |
| Noncurrent loans to loans | 0.4448% | 4,569 |
| Net loans and leases to total assets | 60.1316% | 3,764 |
| Net loans and leases to deposits | 76.2870% | 3,149 |
| Net loans and leases to core deposits | 77.3755% | 3,597 |
| Total domestic deposits to total assets | 78.8228% | 5,364 |
| Equity capital to assets | 11.0674% | 2,883 |
| Core capital (leverage) ratio | 9.9751% | 3,719 |
| Tier 1 risk-based capital ratio | 16.5715% | 2,787 |
| Total risk-based capital ratio | 17.8437% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,695,723,250 | 418 |
| Average earning assets | $1,580,491,000 | 407 |
| Average equity | $185,014,750 | 428 |
| Average total loans | $1,025,104,250 | 443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 5,069 |
| Cost of funding earning assets | 0.4193% | 3,669 |
| Net interest margin | 3.2109% | 4,906 |
| Noninterest income to average assets | 1.1986% | 812 |
| Noninterest expense to average assets | 3.0160% | 2,779 |
| Loan and lease loss provision to assets | 0.0296% | 3,679 |
| Net operating income to assets | 1.1050% | 1,926 |
| Return on assets (ROA) | 1.1338% | 1,896 |
| Pretax return on assets | 1.1657% | 2,815 |
| Return on Equity (ROE) | 10.4421% | 1,960 |
| Retained earnings to average equity (ytd only) | 5.5397% | 2,618 |
| Net charge-offs to loans | 0.0889% | 2,795 |
| Credit loss provision to net charge-offs | 55.1876% | 2,713 |
| Earnings coverage of net charge-offs (x) | 21.7528% | 1,530 |
| Efficiency ratio | 72.1253% | 3,307 |
| Assets per employee ($millions) | 3.5778% | 4,702 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 4,129 |
| Loan loss allowance to noncurrent loans | 264.0711% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,167 |
| Noncurrent loans to loans | 0.4750% | 4,574 |
| Net loans and leases to total assets | 59.3507% | 3,810 |
| Net loans and leases to deposits | 75.4006% | 3,141 |
| Net loans and leases to core deposits | 76.5090% | 3,571 |
| Total domestic deposits to total assets | 78.7139% | 5,515 |
| Equity capital to assets | 10.9261% | 2,951 |
| Core capital (leverage) ratio | 9.9910% | 3,622 |
| Tier 1 risk-based capital ratio | 16.5703% | 2,794 |
| Total risk-based capital ratio | 17.8656% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,690,801,330 | 418 |
| Average earning assets | $1,570,772,670 | 405 |
| Average equity | $183,584,000 | 427 |
| Average total loans | $1,019,666,670 | 444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 4,826 |
| Cost of funding earning assets | 0.4411% | 3,525 |
| Net interest margin | 3.2651% | 4,686 |
| Noninterest income to average assets | 1.1259% | 879 |
| Noninterest expense to average assets | 2.9945% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1117% | 1,771 |
| Return on assets (ROA) | 1.1247% | 1,783 |
| Pretax return on assets | 1.1707% | 2,610 |
| Return on Equity (ROE) | 10.3922% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.3922% | 880 |
| Net charge-offs to loans | 0.1285% | 1,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.9018% | 1,577 |
| Efficiency ratio | 72.1285% | 3,462 |
| Assets per employee ($millions) | 3.6189% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,343 |
| Loan loss allowance to noncurrent loans | 247.0180% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 4,937 |
| Noncurrent loans to loans | 0.5088% | 4,641 |
| Net loans and leases to total assets | 59.7471% | 3,602 |
| Net loans and leases to deposits | 74.9340% | 2,953 |
| Net loans and leases to core deposits | 76.0140% | 3,409 |
| Total domestic deposits to total assets | 79.7329% | 5,538 |
| Equity capital to assets | 10.9816% | 2,731 |
| Core capital (leverage) ratio | 10.1007% | 3,427 |
| Tier 1 risk-based capital ratio | 16.8365% | 2,765 |
| Total risk-based capital ratio | 18.1434% | 2,695 |
| Memoranda: | ||
| Average total assets | $1,679,325,000 | 422 |
| Average earning assets | $1,556,236,000 | 407 |
| Average equity | $181,752,500 | 429 |
| Average total loans | $1,014,477,000 | 446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 5,589 |
| Cost of funding earning assets | 0.5253% | 3,345 |
| Net interest margin | 3.0007% | 5,578 |
| Noninterest income to average assets | 1.0956% | 1,168 |
| Noninterest expense to average assets | 2.8332% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0211% | 2,244 |
| Return on assets (ROA) | 1.0240% | 2,291 |
| Pretax return on assets | 1.0518% | 3,148 |
| Return on Equity (ROE) | 9.6272% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.9507% | 2,624 |
| Net charge-offs to loans | -0.1464% | 6,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9789% | 3,291 |
| Assets per employee ($millions) | 3.6832% | 4,519 |
| Cash dividends to net income (ytd only)* | 48.5762% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 4,151 |
| Loan loss allowance to noncurrent loans | 246.5064% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 4,971 |
| Noncurrent loans to loans | 0.5267% | 4,674 |
| Net loans and leases to total assets | 59.5285% | 3,791 |
| Net loans and leases to deposits | 75.0647% | 3,088 |
| Net loans and leases to core deposits | 76.2776% | 3,579 |
| Total domestic deposits to total assets | 79.3029% | 5,604 |
| Equity capital to assets | 10.6637% | 2,965 |
| Core capital (leverage) ratio | 9.7022% | 3,981 |
| Tier 1 risk-based capital ratio | 16.3203% | 2,954 |
| Total risk-based capital ratio | 17.6431% | 2,862 |
| Memoranda: | ||
| Average total assets | $1,704,333,400 | 406 |
| Average earning assets | $1,582,682,400 | 398 |
| Average equity | $181,288,600 | 421 |
| Average total loans | $935,977,400 | 453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 5,783 |
| Cost of funding earning assets | 0.5371% | 3,391 |
| Net interest margin | 2.9153% | 5,774 |
| Noninterest income to average assets | 1.0369% | 1,356 |
| Noninterest expense to average assets | 2.7212% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0042% | 2,360 |
| Return on assets (ROA) | 1.0082% | 2,430 |
| Pretax return on assets | 1.0308% | 3,375 |
| Return on Equity (ROE) | 9.4838% | 2,402 |
| Retained earnings to average equity (ytd only) | 5.8049% | 2,536 |
| Net charge-offs to loans | -0.1783% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5982% | 3,300 |
| Assets per employee ($millions) | 3.7722% | 4,298 |
| Cash dividends to net income (ytd only)* | 38.7915% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,407 |
| Loan loss allowance to noncurrent loans | 266.1677% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 5,230 |
| Noncurrent loans to loans | 0.4871% | 4,981 |
| Net loans and leases to total assets | 58.3468% | 3,951 |
| Net loans and leases to deposits | 76.3564% | 2,904 |
| Net loans and leases to core deposits | 77.5423% | 3,416 |
| Total domestic deposits to total assets | 76.4137% | 6,120 |
| Equity capital to assets | 10.6818% | 3,089 |
| Core capital (leverage) ratio | 9.6429% | 4,180 |
| Tier 1 risk-based capital ratio | 16.2285% | 3,071 |
| Total risk-based capital ratio | 17.5475% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,711,456,500 | 405 |
| Average earning assets | $1,591,567,500 | 398 |
| Average equity | $181,934,250 | 423 |
| Average total loans | $917,290,000 | 462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 5,844 |
| Cost of funding earning assets | 0.5469% | 3,451 |
| Net interest margin | 2.8809% | 5,827 |
| Noninterest income to average assets | 1.1465% | 1,160 |
| Noninterest expense to average assets | 2.6550% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1532% | 1,726 |
| Return on assets (ROA) | 1.1591% | 1,820 |
| Pretax return on assets | 1.1791% | 2,766 |
| Return on Equity (ROE) | 10.9210% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.2342% | 1,778 |
| Net charge-offs to loans | -0.0666% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3468% | 3,952 |
| Assets per employee ($millions) | 3.5679% | 4,713 |
| Cash dividends to net income (ytd only)* | 33.7587% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,320 |
| Loan loss allowance to noncurrent loans | 423.9972% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,352 |
| Noncurrent loans to loans | 0.3158% | 5,506 |
| Net loans and leases to total assets | 52.5075% | 4,795 |
| Net loans and leases to deposits | 67.5834% | 4,069 |
| Net loans and leases to core deposits | 68.8494% | 4,414 |
| Total domestic deposits to total assets | 77.6929% | 6,033 |
| Equity capital to assets | 10.6991% | 3,056 |
| Core capital (leverage) ratio | 9.5205% | 4,217 |
| Tier 1 risk-based capital ratio | 17.3145% | 2,587 |
| Total risk-based capital ratio | 18.6344% | 2,533 |
| Memoranda: | ||
| Average total assets | $1,717,368,670 | 402 |
| Average earning assets | $1,598,548,330 | 392 |
| Average equity | $182,272,670 | 421 |
| Average total loans | $889,316,000 | 470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 5,949 |
| Cost of funding earning assets | 0.5805% | 3,289 |
| Net interest margin | 2.8168% | 5,994 |
| Noninterest income to average assets | 1.0931% | 1,237 |
| Noninterest expense to average assets | 2.5658% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1068% | 1,833 |
| Return on assets (ROA) | 1.1068% | 1,941 |
| Pretax return on assets | 1.1465% | 2,780 |
| Return on Equity (ROE) | 10.4691% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.4691% | 994 |
| Net charge-offs to loans | -0.0955% | 6,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0971% | 4,131 |
| Assets per employee ($millions) | 3.6458% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,451 |
| Loan loss allowance to noncurrent loans | 590.2812% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 5,589 |
| Noncurrent loans to loans | 0.2292% | 5,839 |
| Net loans and leases to total assets | 51.1232% | 4,820 |
| Net loans and leases to deposits | 67.5193% | 3,833 |
| Net loans and leases to core deposits | 68.8192% | 4,204 |
| Total domestic deposits to total assets | 75.7164% | 6,389 |
| Equity capital to assets | 10.8828% | 3,098 |
| Core capital (leverage) ratio | 9.3312% | 4,349 |
| Tier 1 risk-based capital ratio | 17.1965% | 2,679 |
| Total risk-based capital ratio | 18.5117% | 2,627 |
| Memoranda: | ||
| Average total assets | $1,730,464,500 | 405 |
| Average earning assets | $1,609,065,000 | 394 |
| Average equity | $182,938,500 | 424 |
| Average total loans | $883,951,500 | 472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 5,957 |
| Cost of funding earning assets | 0.7051% | 3,457 |
| Net interest margin | 3.0401% | 5,951 |
| Noninterest income to average assets | 0.9582% | 1,674 |
| Noninterest expense to average assets | 2.5841% | 4,794 |
| Loan and lease loss provision to assets | -0.0578% | 6,877 |
| Net operating income to assets | 1.2145% | 1,554 |
| Return on assets (ROA) | 1.2507% | 1,606 |
| Pretax return on assets | 1.2898% | 2,451 |
| Return on Equity (ROE) | 12.0169% | 1,507 |
| Retained earnings to average equity (ytd only) | 3.7968% | 3,538 |
| Net charge-offs to loans | -0.1264% | 6,875 |
| Credit loss provision to net charge-offs | 92.2509% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3352% | 4,082 |
| Assets per employee ($millions) | 3.7414% | 4,485 |
| Cash dividends to net income (ytd only)* | 68.4040% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 4,497 |
| Loan loss allowance to noncurrent loans | 560.2479% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 5,644 |
| Noncurrent loans to loans | 0.2374% | 5,886 |
| Net loans and leases to total assets | 49.6897% | 5,210 |
| Net loans and leases to deposits | 65.8564% | 4,308 |
| Net loans and leases to core deposits | 67.2032% | 4,624 |
| Total domestic deposits to total assets | 75.4517% | 6,412 |
| Equity capital to assets | 10.2691% | 3,800 |
| Core capital (leverage) ratio | 9.0784% | 4,770 |
| Tier 1 risk-based capital ratio | 16.3674% | 2,953 |
| Total risk-based capital ratio | 17.6337% | 2,908 |
| Memoranda: | ||
| Average total assets | $1,728,809,800 | 397 |
| Average earning assets | $1,603,983,600 | 384 |
| Average equity | $179,939,000 | 416 |
| Average total loans | $857,813,400 | 477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 6,014 |
| Cost of funding earning assets | 0.7311% | 3,510 |
| Net interest margin | 3.0732% | 6,000 |
| Noninterest income to average assets | 0.9422% | 1,699 |
| Noninterest expense to average assets | 2.5866% | 4,787 |
| Loan and lease loss provision to assets | -0.0774% | 7,018 |
| Net operating income to assets | 1.2471% | 1,583 |
| Return on assets (ROA) | 1.2956% | 1,595 |
| Pretax return on assets | 1.3354% | 2,475 |
| Return on Equity (ROE) | 12.4053% | 1,495 |
| Retained earnings to average equity (ytd only) | 5.5185% | 3,024 |
| Net charge-offs to loans | -0.1632% | 6,955 |
| Credit loss provision to net charge-offs | 95.9693% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1172% | 4,035 |
| Assets per employee ($millions) | 3.8558% | 4,185 |
| Cash dividends to net income (ytd only)* | 55.5151% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,534 |
| Loan loss allowance to noncurrent loans | 282.5573% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 5,276 |
| Noncurrent loans to loans | 0.4820% | 5,489 |
| Net loans and leases to total assets | 50.2305% | 5,284 |
| Net loans and leases to deposits | 66.9067% | 4,354 |
| Net loans and leases to core deposits | 68.3159% | 4,695 |
| Total domestic deposits to total assets | 75.0754% | 6,509 |
| Equity capital to assets | 10.8602% | 3,433 |
| Core capital (leverage) ratio | 8.9864% | 5,092 |
| Tier 1 risk-based capital ratio | 16.6973% | 2,897 |
| Total risk-based capital ratio | 17.9781% | 2,844 |
| Memoranda: | ||
| Average total assets | $1,722,336,000 | 398 |
| Average earning assets | $1,598,563,750 | 383 |
| Average equity | $179,875,750 | 417 |
| Average total loans | $851,351,250 | 483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 6,119 |
| Cost of funding earning assets | 0.7465% | 3,628 |
| Net interest margin | 3.0617% | 6,096 |
| Noninterest income to average assets | 0.8857% | 1,836 |
| Noninterest expense to average assets | 2.5703% | 4,879 |
| Loan and lease loss provision to assets | -0.1154% | 7,114 |
| Net operating income to assets | 1.2370% | 1,590 |
| Return on assets (ROA) | 1.2871% | 1,629 |
| Pretax return on assets | 1.3221% | 2,472 |
| Return on Equity (ROE) | 12.4859% | 1,508 |
| Retained earnings to average equity (ytd only) | 5.7807% | 2,835 |
| Net charge-offs to loans | -0.0990% | 6,856 |
| Credit loss provision to net charge-offs | 238.0952% | 1,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9461% | 3,951 |
| Assets per employee ($millions) | 3.9010% | 4,069 |
| Cash dividends to net income (ytd only)* | 53.7020% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,836 |
| Loan loss allowance to noncurrent loans | 132.1812% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 4,775 |
| Noncurrent loans to loans | 0.9939% | 4,514 |
| Net loans and leases to total assets | 47.7748% | 5,634 |
| Net loans and leases to deposits | 63.7469% | 4,798 |
| Net loans and leases to core deposits | 65.3200% | 5,077 |
| Total domestic deposits to total assets | 74.9445% | 6,594 |
| Equity capital to assets | 10.3860% | 3,833 |
| Core capital (leverage) ratio | 8.8662% | 5,099 |
| Tier 1 risk-based capital ratio | 16.5862% | 2,864 |
| Total risk-based capital ratio | 17.8108% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,733,507,000 | 398 |
| Average earning assets | $1,607,751,670 | 383 |
| Average equity | $178,697,670 | 417 |
| Average total loans | $848,463,000 | 486 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 6,032 |
| Cost of funding earning assets | 0.7894% | 3,552 |
| Net interest margin | 3.1039% | 6,027 |
| Noninterest income to average assets | 0.9472% | 1,575 |
| Noninterest expense to average assets | 2.5895% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1847% | 1,787 |
| Return on assets (ROA) | 1.1847% | 1,962 |
| Pretax return on assets | 1.2305% | 2,804 |
| Return on Equity (ROE) | 11.5361% | 1,826 |
| Retained earnings to average equity (ytd only) | 8.9670% | 1,606 |
| Net charge-offs to loans | -0.2093% | 7,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7390% | 4,217 |
| Assets per employee ($millions) | 3.9070% | 4,187 |
| Cash dividends to net income (ytd only)* | 22.2700% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,365 |
| Loan loss allowance to noncurrent loans | 147.4382% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 4,716 |
| Noncurrent loans to loans | 0.9843% | 4,702 |
| Net loans and leases to total assets | 47.7468% | 5,591 |
| Net loans and leases to deposits | 63.1637% | 4,751 |
| Net loans and leases to core deposits | 64.7677% | 5,036 |
| Total domestic deposits to total assets | 75.5922% | 6,583 |
| Equity capital to assets | 10.4142% | 3,602 |
| Core capital (leverage) ratio | 8.8342% | 5,092 |
| Tier 1 risk-based capital ratio | 16.2343% | 3,054 |
| Total risk-based capital ratio | 17.5510% | 2,976 |
| Memoranda: | ||
| Average total assets | $1,728,395,500 | 399 |
| Average earning assets | $1,599,676,000 | 382 |
| Average equity | $177,495,000 | 418 |
| Average total loans | $850,618,000 | 482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 5,575 |
| Cost of funding earning assets | 0.8994% | 4,117 |
| Net interest margin | 3.4603% | 5,284 |
| Noninterest income to average assets | 0.9430% | 1,526 |
| Noninterest expense to average assets | 2.7348% | 4,607 |
| Loan and lease loss provision to assets | 0.0496% | 5,966 |
| Net operating income to assets | 1.2992% | 1,251 |
| Return on assets (ROA) | 1.3326% | 1,259 |
| Pretax return on assets | 1.3803% | 1,842 |
| Return on Equity (ROE) | 13.5524% | 1,040 |
| Retained earnings to average equity (ytd only) | 6.4476% | 1,773 |
| Net charge-offs to loans | -0.0650% | 7,085 |
| Credit loss provision to net charge-offs | -150.1767% | 6,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0908% | 4,754 |
| Assets per employee ($millions) | 3.8358% | 4,239 |
| Cash dividends to net income (ytd only)* | 52.4248% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,681 |
| Loan loss allowance to noncurrent loans | 207.2456% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 4,871 |
| Noncurrent loans to loans | 0.6499% | 5,406 |
| Net loans and leases to total assets | 49.3009% | 5,686 |
| Net loans and leases to deposits | 65.7721% | 4,769 |
| Net loans and leases to core deposits | 67.9231% | 5,036 |
| Total domestic deposits to total assets | 74.9571% | 6,611 |
| Equity capital to assets | 10.1254% | 4,000 |
| Core capital (leverage) ratio | 8.6224% | 5,356 |
| Tier 1 risk-based capital ratio | 15.4427% | 3,367 |
| Total risk-based capital ratio | 16.6826% | 3,326 |
| Memoranda: | ||
| Average total assets | $1,712,904,400 | 394 |
| Average earning assets | $1,578,892,400 | 376 |
| Average equity | $168,435,000 | 423 |
| Average total loans | $870,450,400 | 482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 5,584 |
| Cost of funding earning assets | 0.9258% | 4,229 |
| Net interest margin | 3.4816% | 5,261 |
| Noninterest income to average assets | 0.9369% | 1,527 |
| Noninterest expense to average assets | 2.7780% | 4,422 |
| Loan and lease loss provision to assets | 0.0664% | 5,626 |
| Net operating income to assets | 1.2578% | 1,494 |
| Return on assets (ROA) | 1.3021% | 1,461 |
| Pretax return on assets | 1.3457% | 2,130 |
| Return on Equity (ROE) | 13.3422% | 1,198 |
| Retained earnings to average equity (ytd only) | 6.5795% | 2,208 |
| Net charge-offs to loans | -0.1441% | 7,222 |
| Credit loss provision to net charge-offs | -90.2335% | 6,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8869% | 4,544 |
| Assets per employee ($millions) | 3.8590% | 4,170 |
| Cash dividends to net income (ytd only)* | 50.6866% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,531 |
| Loan loss allowance to noncurrent loans | 173.4985% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 4,862 |
| Noncurrent loans to loans | 0.8105% | 5,247 |
| Net loans and leases to total assets | 49.0752% | 5,828 |
| Net loans and leases to deposits | 66.3216% | 4,855 |
| Net loans and leases to core deposits | 68.8283% | 5,082 |
| Total domestic deposits to total assets | 73.9958% | 6,759 |
| Equity capital to assets | 10.0728% | 4,248 |
| Core capital (leverage) ratio | 8.4242% | 5,816 |
| Tier 1 risk-based capital ratio | 15.2751% | 3,509 |
| Total risk-based capital ratio | 16.5629% | 3,452 |
| Memoranda: | ||
| Average total assets | $1,707,684,750 | 394 |
| Average earning assets | $1,574,537,000 | 381 |
| Average equity | $166,655,500 | 434 |
| Average total loans | $871,453,000 | 484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 5,628 |
| Cost of funding earning assets | 0.9502% | 4,317 |
| Net interest margin | 3.4679% | 5,297 |
| Noninterest income to average assets | 0.8863% | 1,687 |
| Noninterest expense to average assets | 2.7930% | 4,448 |
| Loan and lease loss provision to assets | 0.0998% | 5,076 |
| Net operating income to assets | 1.1441% | 1,742 |
| Return on assets (ROA) | 1.2108% | 1,623 |
| Pretax return on assets | 1.2495% | 2,312 |
| Return on Equity (ROE) | 12.5423% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.7876% | 2,547 |
| Net charge-offs to loans | -0.2250% | 7,308 |
| Credit loss provision to net charge-offs | -86.2069% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3648% | 4,449 |
| Assets per employee ($millions) | 3.7599% | 4,298 |
| Cash dividends to net income (ytd only)* | 53.8551% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,538 |
| Loan loss allowance to noncurrent loans | 158.1219% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 4,911 |
| Noncurrent loans to loans | 0.8892% | 5,192 |
| Net loans and leases to total assets | 49.4455% | 5,893 |
| Net loans and leases to deposits | 67.5377% | 4,781 |
| Net loans and leases to core deposits | 70.4454% | 5,017 |
| Total domestic deposits to total assets | 73.2117% | 6,906 |
| Equity capital to assets | 9.9005% | 4,271 |
| Core capital (leverage) ratio | 8.2466% | 5,955 |
| Tier 1 risk-based capital ratio | 14.7974% | 3,616 |
| Total risk-based capital ratio | 16.0600% | 3,577 |
| Memoranda: | ||
| Average total assets | $1,703,211,330 | 398 |
| Average earning assets | $1,567,281,000 | 389 |
| Average equity | $164,419,670 | 441 |
| Average total loans | $876,377,000 | 490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 5,779 |
| Cost of funding earning assets | 0.9719% | 4,407 |
| Net interest margin | 3.4005% | 5,428 |
| Noninterest income to average assets | 1.6077% | 516 |
| Noninterest expense to average assets | 3.0762% | 3,355 |
| Loan and lease loss provision to assets | 0.2474% | 3,183 |
| Net operating income to assets | 1.3412% | 1,171 |
| Return on assets (ROA) | 1.2430% | 1,459 |
| Pretax return on assets | 1.3096% | 2,013 |
| Return on Equity (ROE) | 13.0443% | 1,181 |
| Retained earnings to average equity (ytd only) | 11.6768% | 783 |
| Net charge-offs to loans | -0.2971% | 7,337 |
| Credit loss provision to net charge-offs | -159.8174% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8257% | 5,215 |
| Assets per employee ($millions) | 3.3484% | 5,364 |
| Cash dividends to net income (ytd only)* | 10.4834% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,823 |
| Loan loss allowance to noncurrent loans | 126.3842% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 4,731 |
| Noncurrent loans to loans | 1.0806% | 4,889 |
| Net loans and leases to total assets | 50.7841% | 5,740 |
| Net loans and leases to deposits | 68.6502% | 4,584 |
| Net loans and leases to core deposits | 72.2270% | 4,756 |
| Total domestic deposits to total assets | 73.9751% | 6,905 |
| Equity capital to assets | 9.6782% | 4,202 |
| Core capital (leverage) ratio | 7.9463% | 6,309 |
| Tier 1 risk-based capital ratio | 13.8253% | 4,197 |
| Total risk-based capital ratio | 15.0807% | 4,168 |
| Memoranda: | ||
| Average total assets | $1,697,565,500 | 399 |
| Average earning assets | $1,559,433,000 | 391 |
| Average equity | $161,757,000 | 443 |
| Average total loans | $884,648,500 | 493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 5,884 |
| Cost of funding earning assets | 1.2144% | 4,460 |
| Net interest margin | 3.4593% | 5,400 |
| Noninterest income to average assets | 1.4749% | 666 |
| Noninterest expense to average assets | 3.1751% | 3,173 |
| Loan and lease loss provision to assets | 0.5182% | 3,082 |
| Net operating income to assets | 0.8976% | 2,395 |
| Return on assets (ROA) | 0.9726% | 2,247 |
| Pretax return on assets | 1.0428% | 2,804 |
| Return on Equity (ROE) | 10.7330% | 1,672 |
| Retained earnings to average equity (ytd only) | 4.6307% | 2,648 |
| Net charge-offs to loans | 1.2470% | 1,798 |
| Credit loss provision to net charge-offs | 77.4460% | 5,649 |
| Earnings coverage of net charge-offs (x) | 2.2105% | 4,071 |
| Efficiency ratio | 68.2197% | 4,520 |
| Assets per employee ($millions) | 3.2705% | 5,492 |
| Cash dividends to net income (ytd only)* | 56.8553% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,746 |
| Loan loss allowance to noncurrent loans | 90.9768% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 4,537 |
| Noncurrent loans to loans | 1.2614% | 4,604 |
| Net loans and leases to total assets | 52.1355% | 5,890 |
| Net loans and leases to deposits | 69.6243% | 4,861 |
| Net loans and leases to core deposits | 73.9368% | 4,987 |
| Total domestic deposits to total assets | 74.8813% | 6,786 |
| Equity capital to assets | 9.3788% | 4,570 |
| Core capital (leverage) ratio | 7.5229% | 6,687 |
| Tier 1 risk-based capital ratio | 13.1034% | 4,520 |
| Total risk-based capital ratio | 14.1674% | 4,644 |
| Memoranda: | ||
| Average total assets | $1,736,704,000 | 392 |
| Average earning assets | $1,596,120,400 | 383 |
| Average equity | $157,383,200 | 435 |
| Average total loans | $931,895,000 | 482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 6,033 |
| Cost of funding earning assets | 1.2446% | 4,605 |
| Net interest margin | 3.4519% | 5,487 |
| Noninterest income to average assets | 1.4984% | 610 |
| Noninterest expense to average assets | 3.0783% | 3,431 |
| Loan and lease loss provision to assets | 0.5685% | 2,661 |
| Net operating income to assets | 0.9890% | 2,278 |
| Return on assets (ROA) | 0.9672% | 2,469 |
| Pretax return on assets | 1.0055% | 3,160 |
| Return on Equity (ROE) | 10.7636% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.3331% | 4,105 |
| Net charge-offs to loans | 1.3228% | 1,539 |
| Credit loss provision to net charge-offs | 79.7559% | 5,144 |
| Earnings coverage of net charge-offs (x) | 2.2377% | 4,054 |
| Efficiency ratio | 65.8709% | 4,891 |
| Assets per employee ($millions) | 3.2805% | 5,516 |
| Cash dividends to net income (ytd only)* | 69.0335% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 5,483 |
| Loan loss allowance to noncurrent loans | 64.3845% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 4,099 |
| Noncurrent loans to loans | 1.8668% | 3,843 |
| Net loans and leases to total assets | 53.4426% | 5,926 |
| Net loans and leases to deposits | 74.6082% | 4,416 |
| Net loans and leases to core deposits | 79.1731% | 4,634 |
| Total domestic deposits to total assets | 71.6310% | 7,168 |
| Equity capital to assets | 9.5569% | 4,761 |
| Core capital (leverage) ratio | 7.3921% | 6,946 |
| Tier 1 risk-based capital ratio | 12.5094% | 4,974 |
| Total risk-based capital ratio | 13.6237% | 5,076 |
| Memoranda: | ||
| Average total assets | $1,747,345,500 | 390 |
| Average earning assets | $1,607,067,000 | 378 |
| Average equity | $157,006,750 | 433 |
| Average total loans | $941,493,250 | 475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 6,197 |
| Cost of funding earning assets | 1.2537% | 4,804 |
| Net interest margin | 3.4294% | 5,518 |
| Noninterest income to average assets | 1.4999% | 572 |
| Noninterest expense to average assets | 3.0176% | 3,642 |
| Loan and lease loss provision to assets | 0.7245% | 2,011 |
| Net operating income to assets | 0.8830% | 2,611 |
| Return on assets (ROA) | 0.8615% | 2,828 |
| Pretax return on assets | 0.8948% | 3,515 |
| Return on Equity (ROE) | 9.7864% | 2,177 |
| Retained earnings to average equity (ytd only) | 1.9123% | 4,915 |
| Net charge-offs to loans | 1.9872% | 917 |
| Credit loss provision to net charge-offs | 67.7535% | 5,026 |
| Earnings coverage of net charge-offs (x) | 1.5331% | 4,341 |
| Efficiency ratio | 64.7957% | 5,189 |
| Assets per employee ($millions) | 3.2190% | 5,637 |
| Cash dividends to net income (ytd only)* | 80.4599% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,202 |
| Loan loss allowance to noncurrent loans | 43.9305% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5238% | 4,172 |
| Noncurrent loans to loans | 2.3801% | 3,277 |
| Net loans and leases to total assets | 53.9131% | 5,996 |
| Net loans and leases to deposits | 77.5197% | 4,076 |
| Net loans and leases to core deposits | 83.1077% | 4,267 |
| Total domestic deposits to total assets | 69.5476% | 7,358 |
| Equity capital to assets | 9.1209% | 5,260 |
| Core capital (leverage) ratio | 7.0603% | 7,153 |
| Tier 1 risk-based capital ratio | 11.8503% | 5,446 |
| Total risk-based capital ratio | 12.8151% | 5,677 |
| Memoranda: | ||
| Average total assets | $1,766,647,000 | 389 |
| Average earning assets | $1,626,396,330 | 377 |
| Average equity | $155,522,670 | 436 |
| Average total loans | $950,702,670 | 471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 6,087 |
| Cost of funding earning assets | 1.2686% | 5,011 |
| Net interest margin | 3.4781% | 5,249 |
| Noninterest income to average assets | 1.5295% | 515 |
| Noninterest expense to average assets | 2.9681% | 3,792 |
| Loan and lease loss provision to assets | 0.4812% | 2,577 |
| Net operating income to assets | 1.2345% | 1,448 |
| Return on assets (ROA) | 1.1457% | 1,768 |
| Pretax return on assets | 1.1938% | 2,381 |
| Return on Equity (ROE) | 13.2447% | 1,202 |
| Retained earnings to average equity (ytd only) | 11.0014% | 923 |
| Net charge-offs to loans | 1.1949% | 1,425 |
| Credit loss provision to net charge-offs | 75.2801% | 3,992 |
| Earnings coverage of net charge-offs (x) | 2.7595% | 3,165 |
| Efficiency ratio | 62.7253% | 5,703 |
| Assets per employee ($millions) | 3.2860% | 5,566 |
| Cash dividends to net income (ytd only)* | 16.9369% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,997 |
| Loan loss allowance to noncurrent loans | 43.4436% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 3,688 |
| Noncurrent loans to loans | 2.9658% | 2,710 |
| Net loans and leases to total assets | 52.8345% | 6,174 |
| Net loans and leases to deposits | 75.6409% | 4,471 |
| Net loans and leases to core deposits | 82.9206% | 4,357 |
| Total domestic deposits to total assets | 69.8491% | 7,418 |
| Equity capital to assets | 8.9412% | 5,365 |
| Core capital (leverage) ratio | 7.1331% | 7,153 |
| Tier 1 risk-based capital ratio | 12.0273% | 5,169 |
| Total risk-based capital ratio | 13.2136% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,787,271,500 | 397 |
| Average earning assets | $1,645,627,500 | 392 |
| Average equity | $154,598,000 | 443 |
| Average total loans | $956,031,500 | 487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 5,338 |
| Cost of funding earning assets | 1.5501% | 5,277 |
| Net interest margin | 3.7169% | 4,058 |
| Noninterest income to average assets | 1.4444% | 698 |
| Noninterest expense to average assets | 3.2060% | 3,360 |
| Loan and lease loss provision to assets | 0.5138% | 3,804 |
| Net operating income to assets | 1.1237% | 1,451 |
| Return on assets (ROA) | 1.2273% | 1,236 |
| Pretax return on assets | 1.2492% | 1,826 |
| Return on Equity (ROE) | 14.5596% | 709 |
| Retained earnings to average equity (ytd only) | 4.9774% | 1,825 |
| Net charge-offs to loans | 0.6199% | 3,355 |
| Credit loss provision to net charge-offs | 148.0983% | 3,166 |
| Earnings coverage of net charge-offs (x) | 4.7767% | 2,823 |
| Efficiency ratio | 65.8907% | 5,411 |
| Assets per employee ($millions) | 3.3894% | 5,286 |
| Cash dividends to net income (ytd only)* | 65.8135% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,586 |
| Loan loss allowance to noncurrent loans | 42.3548% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 3,736 |
| Noncurrent loans to loans | 3.1416% | 2,440 |
| Net loans and leases to total assets | 52.7476% | 6,337 |
| Net loans and leases to deposits | 73.2303% | 5,159 |
| Net loans and leases to core deposits | 87.3983% | 5,397 |
| Total domestic deposits to total assets | 72.0297% | 7,241 |
| Equity capital to assets | 8.3660% | 6,107 |
| Core capital (leverage) ratio | 7.0285% | 7,211 |
| Tier 1 risk-based capital ratio | 11.4510% | 5,454 |
| Total risk-based capital ratio | 12.6898% | 5,425 |
| Memoranda: | ||
| Average total assets | $1,712,641,600 | 409 |
| Average earning assets | $1,575,363,400 | 406 |
| Average equity | $144,372,200 | 471 |
| Average total loans | $958,568,400 | 498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 5,044 |
| Cost of funding earning assets | 1.6302% | 5,254 |
| Net interest margin | 3.7495% | 3,867 |
| Noninterest income to average assets | 1.4693% | 686 |
| Noninterest expense to average assets | 3.1917% | 3,325 |
| Loan and lease loss provision to assets | 0.3712% | 4,101 |
| Net operating income to assets | 1.3385% | 1,144 |
| Return on assets (ROA) | 1.3008% | 1,289 |
| Pretax return on assets | 1.3186% | 1,913 |
| Return on Equity (ROE) | 15.3992% | 718 |
| Retained earnings to average equity (ytd only) | 5.8367% | 2,023 |
| Net charge-offs to loans | 0.3024% | 4,138 |
| Credit loss provision to net charge-offs | 216.6897% | 2,027 |
| Earnings coverage of net charge-offs (x) | 10.0853% | 2,012 |
| Efficiency ratio | 64.8392% | 5,583 |
| Assets per employee ($millions) | 3.2356% | 5,558 |
| Cash dividends to net income (ytd only)* | 62.0970% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,387 |
| Loan loss allowance to noncurrent loans | 56.1331% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 4,422 |
| Noncurrent loans to loans | 2.3486% | 3,206 |
| Net loans and leases to total assets | 54.3606% | 6,342 |
| Net loans and leases to deposits | 79.7467% | 4,428 |
| Net loans and leases to core deposits | 95.5373% | 4,861 |
| Total domestic deposits to total assets | 68.1665% | 7,558 |
| Equity capital to assets | 8.9005% | 5,633 |
| Core capital (leverage) ratio | 6.9843% | 7,445 |
| Tier 1 risk-based capital ratio | 11.3494% | 5,589 |
| Total risk-based capital ratio | 12.5484% | 5,582 |
| Memoranda: | ||
| Average total assets | $1,688,313,250 | 426 |
| Average earning assets | $1,553,459,500 | 423 |
| Average equity | $142,610,250 | 485 |
| Average total loans | $956,314,750 | 517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 4,923 |
| Cost of funding earning assets | 1.6804% | 5,361 |
| Net interest margin | 3.7631% | 3,705 |
| Noninterest income to average assets | 1.4963% | 658 |
| Noninterest expense to average assets | 3.2622% | 3,111 |
| Loan and lease loss provision to assets | 0.4895% | 3,086 |
| Net operating income to assets | 1.1957% | 1,489 |
| Return on assets (ROA) | 1.1526% | 1,688 |
| Pretax return on assets | 1.1576% | 2,436 |
| Return on Equity (ROE) | 13.9020% | 1,010 |
| Retained earnings to average equity (ytd only) | 3.4935% | 3,365 |
| Net charge-offs to loans | 0.4886% | 2,872 |
| Credit loss provision to net charge-offs | 175.2137% | 2,614 |
| Earnings coverage of net charge-offs (x) | 6.0500% | 2,695 |
| Efficiency ratio | 65.8076% | 5,576 |
| Assets per employee ($millions) | 3.1231% | 5,803 |
| Cash dividends to net income (ytd only)* | 74.8705% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,709 |
| Loan loss allowance to noncurrent loans | 54.6573% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 4,346 |
| Noncurrent loans to loans | 2.2594% | 3,174 |
| Net loans and leases to total assets | 54.9324% | 6,342 |
| Net loans and leases to deposits | 82.1594% | 4,199 |
| Net loans and leases to core deposits | 96.9361% | 4,800 |
| Total domestic deposits to total assets | 66.8608% | 7,688 |
| Equity capital to assets | 8.1382% | 6,583 |
| Core capital (leverage) ratio | 6.8583% | 7,629 |
| Tier 1 risk-based capital ratio | 11.1427% | 5,736 |
| Total risk-based capital ratio | 12.2847% | 5,763 |
| Memoranda: | ||
| Average total assets | $1,675,148,330 | 436 |
| Average earning assets | $1,538,458,670 | 431 |
| Average equity | $138,886,000 | 506 |
| Average total loans | $957,821,670 | 531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 4,957 |
| Cost of funding earning assets | 1.7485% | 5,357 |
| Net interest margin | 3.7433% | 3,684 |
| Noninterest income to average assets | 1.6462% | 506 |
| Noninterest expense to average assets | 3.2429% | 2,822 |
| Loan and lease loss provision to assets | 0.2900% | 3,632 |
| Net operating income to assets | 1.5636% | 838 |
| Return on assets (ROA) | 1.4916% | 1,024 |
| Pretax return on assets | 1.4684% | 1,760 |
| Return on Equity (ROE) | 17.8204% | 606 |
| Retained earnings to average equity (ytd only) | 15.4301% | 375 |
| Net charge-offs to loans | 0.9313% | 1,421 |
| Credit loss provision to net charge-offs | 53.6913% | 4,616 |
| Earnings coverage of net charge-offs (x) | 3.3893% | 3,192 |
| Efficiency ratio | 63.6836% | 5,748 |
| Assets per employee ($millions) | 3.0802% | 5,945 |
| Cash dividends to net income (ytd only)* | 13.4133% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,562 |
| Loan loss allowance to noncurrent loans | 85.5918% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 5,191 |
| Noncurrent loans to loans | 1.0973% | 4,794 |
| Net loans and leases to total assets | 56.9571% | 6,103 |
| Net loans and leases to deposits | 86.4597% | 3,555 |
| Net loans and leases to core deposits | 97.7857% | 4,765 |
| Total domestic deposits to total assets | 65.8770% | 7,740 |
| Equity capital to assets | 8.5399% | 6,009 |
| Core capital (leverage) ratio | 7.2553% | 7,419 |
| Tier 1 risk-based capital ratio | 11.5118% | 5,401 |
| Total risk-based capital ratio | 12.3908% | 5,685 |
| Memoranda: | ||
| Average total assets | $1,655,418,000 | 440 |
| Average earning assets | $1,515,555,000 | 438 |
| Average equity | $138,560,000 | 502 |
| Average total loans | $959,906,000 | 535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3252% | 3,821 |
| Cost of funding earning assets | 2.3319% | 5,003 |
| Net interest margin | 3.9933% | 3,148 |
| Noninterest income to average assets | 1.7053% | 468 |
| Noninterest expense to average assets | 3.4120% | 2,639 |
| Loan and lease loss provision to assets | 0.1440% | 5,515 |
| Net operating income to assets | 1.7511% | 603 |
| Return on assets (ROA) | 1.7869% | 543 |
| Pretax return on assets | 1.8333% | 882 |
| Return on Equity (ROE) | 21.5182% | 277 |
| Retained earnings to average equity (ytd only) | 5.7966% | 1,622 |
| Net charge-offs to loans | 0.4665% | 2,497 |
| Credit loss provision to net charge-offs | 52.6075% | 6,324 |
| Earnings coverage of net charge-offs (x) | 7.0901% | 3,191 |
| Efficiency ratio | 63.3605% | 5,697 |
| Assets per employee ($millions) | 3.0566% | 5,915 |
| Cash dividends to net income (ytd only)* | 73.0620% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 5,718 |
| Loan loss allowance to noncurrent loans | 169.1204% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,566 |
| Noncurrent loans to loans | 0.6148% | 5,528 |
| Net loans and leases to total assets | 57.8710% | 6,216 |
| Net loans and leases to deposits | 84.9188% | 4,267 |
| Net loans and leases to core deposits | 97.7167% | 5,071 |
| Total domestic deposits to total assets | 68.1487% | 7,458 |
| Equity capital to assets | 8.1987% | 6,557 |
| Core capital (leverage) ratio | 7.2236% | 7,502 |
| Tier 1 risk-based capital ratio | 11.1896% | 5,547 |
| Total risk-based capital ratio | 12.1887% | 5,695 |
| Memoranda: | ||
| Average total assets | $1,597,530,200 | 438 |
| Average earning assets | $1,459,031,000 | 433 |
| Average equity | $132,664,400 | 525 |
| Average total loans | $937,149,600 | 525 |