Home > The Bryn Mawr Trust Company > Performance and Condition Ratios
The Bryn Mawr Trust Company, Performance and Condition Ratios
| 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 | 3.3341% | 3,101 |
| Cost of funding earning assets | 0.0999% | 4,384 |
| Net interest margin | 3.2342% | 2,504 |
| Noninterest income to average assets | 1.4969% | 502 |
| Noninterest expense to average assets | 3.0523% | 912 |
| Loan and lease loss provision to assets | -0.4094% | 4,807 |
| Net operating income to assets | 1.3045% | 1,582 |
| Return on assets (ROA) | 1.2905% | 1,676 |
| Pretax return on assets | 1.7038% | 1,136 |
| Return on Equity (ROE) | 9.9132% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.0381% | 2,774 |
| Net charge-offs to loans | 0.0841% | 963 |
| Credit loss provision to net charge-offs | -648.7620% | 3,811 |
| Earnings coverage of net charge-offs (x) | 21.8541% | 1,812 |
| Efficiency ratio | 68.4059% | 1,929 |
| Assets per employee ($millions) | 9.6000% | 756 |
| Cash dividends to net income (ytd only)* | 49.1778% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,100 |
| Loan loss allowance to noncurrent loans | 482.9416% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 3,043 |
| Noncurrent loans to loans | 0.1831% | 3,027 |
| Net loans and leases to total assets | 69.0118% | 1,146 |
| Net loans and leases to deposits | 82.3847% | 1,027 |
| Net loans and leases to core deposits | 83.9849% | 1,332 |
| Total domestic deposits to total assets | 83.7678% | 3,621 |
| Equity capital to assets | 13.0113% | 893 |
| Core capital (leverage) ratio | 9.8895% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2723% | 2,138 |
| Memoranda: | ||
| Average total assets | $5,042,208,400 | 269 |
| Average earning assets | $4,471,546,000 | 271 |
| Average equity | $656,400,000 | 230 |
| Average total loans | $3,603,341,200 | 236 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 3,168 |
| Cost of funding earning assets | 0.1134% | 4,398 |
| Net interest margin | 3.2650% | 2,532 |
| Noninterest income to average assets | 1.4541% | 567 |
| Noninterest expense to average assets | 2.7478% | 1,464 |
| Loan and lease loss provision to assets | -0.3969% | 4,860 |
| Net operating income to assets | 1.5547% | 1,131 |
| Return on assets (ROA) | 1.5689% | 1,152 |
| Pretax return on assets | 2.0157% | 776 |
| Return on Equity (ROE) | 12.0504% | 2,029 |
| Retained earnings to average equity (ytd only) | 12.0504% | 829 |
| Net charge-offs to loans | 0.1064% | 712 |
| Credit loss provision to net charge-offs | -493.2596% | 3,642 |
| Earnings coverage of net charge-offs (x) | 20.9392% | 1,716 |
| Efficiency ratio | 61.6514% | 2,750 |
| Assets per employee ($millions) | 8.7855% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,807 |
| Loan loss allowance to noncurrent loans | 454.1568% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,019 |
| Noncurrent loans to loans | 0.2224% | 3,060 |
| Net loans and leases to total assets | 73.4622% | 737 |
| Net loans and leases to deposits | 91.6812% | 512 |
| Net loans and leases to core deposits | 93.7745% | 835 |
| Total domestic deposits to total assets | 80.1279% | 4,211 |
| Equity capital to assets | 14.0400% | 731 |
| Core capital (leverage) ratio | 10.4517% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9766% | 2,374 |
| Memoranda: | ||
| Average total assets | $5,042,755,750 | 268 |
| Average earning assets | $4,471,845,000 | 271 |
| Average equity | $656,557,000 | 229 |
| Average total loans | $3,626,867,250 | 238 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 3,318 |
| Cost of funding earning assets | 0.1237% | 4,408 |
| Net interest margin | 3.2239% | 2,684 |
| Noninterest income to average assets | 1.3903% | 615 |
| Noninterest expense to average assets | 2.6849% | 1,629 |
| Loan and lease loss provision to assets | -0.4640% | 4,898 |
| Net operating income to assets | 1.5956% | 1,059 |
| Return on assets (ROA) | 1.5960% | 1,114 |
| Pretax return on assets | 2.0384% | 770 |
| Return on Equity (ROE) | 12.5727% | 1,865 |
| Retained earnings to average equity (ytd only) | 12.5727% | 797 |
| Net charge-offs to loans | 0.1671% | 499 |
| Credit loss provision to net charge-offs | -379.5912% | 3,384 |
| Earnings coverage of net charge-offs (x) | 13.2295% | 1,702 |
| Efficiency ratio | 61.5010% | 2,800 |
| Assets per employee ($millions) | 8.3415% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,491 |
| Loan loss allowance to noncurrent loans | 367.2105% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,861 |
| Noncurrent loans to loans | 0.2948% | 2,873 |
| Net loans and leases to total assets | 72.2299% | 935 |
| Net loans and leases to deposits | 88.2290% | 762 |
| Net loans and leases to core deposits | 91.1162% | 1,058 |
| Total domestic deposits to total assets | 81.8663% | 3,951 |
| Equity capital to assets | 13.4854% | 823 |
| Core capital (leverage) ratio | 9.9647% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4096% | 2,575 |
| Memoranda: | ||
| Average total assets | $5,098,348,333 | 264 |
| Average earning assets | $4,536,615,000 | 267 |
| Average equity | $647,213,667 | 229 |
| Average total loans | $3,629,640,000 | 239 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2957% | 3,456 |
| Cost of funding earning assets | 0.1423% | 4,364 |
| Net interest margin | 3.1534% | 2,830 |
| Noninterest income to average assets | 1.3427% | 723 |
| Noninterest expense to average assets | 2.6847% | 1,655 |
| Loan and lease loss provision to assets | -0.4059% | 4,897 |
| Net operating income to assets | 1.4660% | 1,402 |
| Return on assets (ROA) | 1.4660% | 1,465 |
| Pretax return on assets | 1.8713% | 1,158 |
| Return on Equity (ROE) | 11.9040% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.9040% | 1,171 |
| Net charge-offs to loans | 0.0706% | 849 |
| Credit loss provision to net charge-offs | -857.4766% | 3,329 |
| Earnings coverage of net charge-offs (x) | 29.5031% | 1,101 |
| Efficiency ratio | 63.1271% | 2,588 |
| Assets per employee ($millions) | 8.1718% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,404 |
| Loan loss allowance to noncurrent loans | 915.1818% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 3,649 |
| Noncurrent loans to loans | 0.1429% | 3,603 |
| Net loans and leases to total assets | 73.0746% | 893 |
| Net loans and leases to deposits | 89.5922% | 722 |
| Net loans and leases to core deposits | 92.8268% | 1,052 |
| Total domestic deposits to total assets | 81.5635% | 3,977 |
| Equity capital to assets | 13.0680% | 893 |
| Core capital (leverage) ratio | 9.4711% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1055% | 2,628 |
| Memoranda: | ||
| Average total assets | $5,170,084,000 | 258 |
| Average earning assets | $4,602,790,000 | 259 |
| Average equity | $636,727,500 | 228 |
| Average total loans | $3,635,428,000 | 237 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 3,609 |
| Cost of funding earning assets | 0.4041% | 3,555 |
| Net interest margin | 3.2830% | 3,113 |
| Noninterest income to average assets | 1.3258% | 657 |
| Noninterest expense to average assets | 2.7777% | 2,006 |
| Loan and lease loss provision to assets | 0.7713% | 169 |
| Net operating income to assets | 0.5426% | 3,924 |
| Return on assets (ROA) | 0.5440% | 4,017 |
| Pretax return on assets | 0.6849% | 3,910 |
| Return on Equity (ROE) | 4.4367% | 4,046 |
| Retained earnings to average equity (ytd only) | -1.0724% | 4,645 |
| Net charge-offs to loans | 0.3242% | 549 |
| Credit loss provision to net charge-offs | 332.5471% | 1,626 |
| Earnings coverage of net charge-offs (x) | 6.2821% | 2,795 |
| Efficiency ratio | 64.0028% | 2,820 |
| Assets per employee ($millions) | 9.0633% | 725 |
| Cash dividends to net income (ytd only)* | 124.1707% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 1,663 |
| Loan loss allowance to noncurrent loans | 1,012.2314% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 3,823 |
| Noncurrent loans to loans | 0.1460% | 3,699 |
| Net loans and leases to total assets | 65.9562% | 2,095 |
| Net loans and leases to deposits | 79.7549% | 1,892 |
| Net loans and leases to core deposits | 87.0760% | 1,788 |
| Total domestic deposits to total assets | 82.6986% | 3,495 |
| Equity capital to assets | 11.6349% | 1,781 |
| Core capital (leverage) ratio | 8.7916% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7493% | 2,712 |
| Memoranda: | ||
| Average total assets | $5,181,362,000 | 247 |
| Average earning assets | $4,587,352,000 | 245 |
| Average equity | $635,310,200 | 221 |
| Average total loans | $3,701,092,600 | 230 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 3,438 |
| Cost of funding earning assets | 0.4836% | 3,334 |
| Net interest margin | 3.3574% | 3,027 |
| Noninterest income to average assets | 1.3608% | 598 |
| Noninterest expense to average assets | 2.8057% | 1,951 |
| Loan and lease loss provision to assets | 1.0490% | 120 |
| Net operating income to assets | 0.3739% | 4,316 |
| Return on assets (ROA) | 0.3758% | 4,373 |
| Pretax return on assets | 0.4747% | 4,328 |
| Return on Equity (ROE) | 3.0240% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.0240% | 3,515 |
| Net charge-offs to loans | 0.3464% | 453 |
| Credit loss provision to net charge-offs | 417.0429% | 1,427 |
| Earnings coverage of net charge-offs (x) | 6.0501% | 2,684 |
| Efficiency ratio | 63.2110% | 2,882 |
| Assets per employee ($millions) | 8.3495% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,293 |
| Loan loss allowance to noncurrent loans | 656.3685% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 3,572 |
| Noncurrent loans to loans | 0.2335% | 3,466 |
| Net loans and leases to total assets | 71.8770% | 1,683 |
| Net loans and leases to deposits | 88.5666% | 1,421 |
| Net loans and leases to core deposits | 93.7563% | 1,664 |
| Total domestic deposits to total assets | 81.1559% | 3,623 |
| Equity capital to assets | 12.9699% | 1,195 |
| Core capital (leverage) ratio | 9.1555% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2697% | 2,508 |
| Memoranda: | ||
| Average total assets | $5,119,475,250 | 244 |
| Average earning assets | $4,523,748,250 | 245 |
| Average equity | $636,225,250 | 219 |
| Average total loans | $3,717,763,000 | 230 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,387 |
| Cost of funding earning assets | 0.5795% | 3,087 |
| Net interest margin | 3.3977% | 3,112 |
| Noninterest income to average assets | 1.2965% | 604 |
| Noninterest expense to average assets | 2.7914% | 2,119 |
| Loan and lease loss provision to assets | 1.4242% | 93 |
| Net operating income to assets | 0.0728% | 4,716 |
| Return on assets (ROA) | 0.0740% | 4,741 |
| Pretax return on assets | 0.0903% | 4,733 |
| Return on Equity (ROE) | 0.6042% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.6042% | 4,185 |
| Net charge-offs to loans | 0.4006% | 393 |
| Credit loss provision to net charge-offs | 490.3895% | 1,254 |
| Earnings coverage of net charge-offs (x) | 5.2104% | 2,533 |
| Efficiency ratio | 63.1956% | 2,928 |
| Assets per employee ($millions) | 8.3745% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 1,345 |
| Loan loss allowance to noncurrent loans | 653.0530% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,724 |
| Noncurrent loans to loans | 0.2259% | 3,571 |
| Net loans and leases to total assets | 69.6969% | 2,078 |
| Net loans and leases to deposits | 84.8431% | 1,908 |
| Net loans and leases to core deposits | 91.2107% | 1,966 |
| Total domestic deposits to total assets | 82.1480% | 3,329 |
| Equity capital to assets | 12.1582% | 1,564 |
| Core capital (leverage) ratio | 8.7510% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9323% | 2,644 |
| Memoranda: | ||
| Average total assets | $5,144,933,667 | 241 |
| Average earning assets | $4,554,968,667 | 245 |
| Average equity | $630,272,333 | 220 |
| Average total loans | $3,729,931,333 | 230 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 3,420 |
| Cost of funding earning assets | 0.7391% | 2,728 |
| Net interest margin | 3.3954% | 3,308 |
| Noninterest income to average assets | 1.2360% | 577 |
| Noninterest expense to average assets | 2.9781% | 1,936 |
| Loan and lease loss provision to assets | 2.5442% | 43 |
| Net operating income to assets | -1.0016% | 4,990 |
| Return on assets (ROA) | -1.0016% | 4,972 |
| Pretax return on assets | -1.2729% | 4,978 |
| Return on Equity (ROE) | -8.1447% | 4,978 |
| Retained earnings to average equity (ytd only) | -8.1447% | 4,695 |
| Net charge-offs to loans | 0.4366% | 334 |
| Credit loss provision to net charge-offs | 793.8866% | 668 |
| Earnings coverage of net charge-offs (x) | 3.9669% | 2,170 |
| Efficiency ratio | 68.3831% | 2,605 |
| Assets per employee ($millions) | 7.8704% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,570 |
| Loan loss allowance to noncurrent loans | 715.4956% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,884 |
| Noncurrent loans to loans | 0.2005% | 3,761 |
| Net loans and leases to total assets | 75.5413% | 1,380 |
| Net loans and leases to deposits | 96.0976% | 900 |
| Net loans and leases to core deposits | 106.7902% | 1,013 |
| Total domestic deposits to total assets | 78.6090% | 4,120 |
| Equity capital to assets | 12.7191% | 1,606 |
| Core capital (leverage) ratio | 9.1182% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3286% | 2,995 |
| Memoranda: | ||
| Average total assets | $5,083,632,500 | 234 |
| Average earning assets | $4,511,693,000 | 240 |
| Average equity | $625,189,500 | 223 |
| Average total loans | $3,731,756,500 | 228 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 2,691 |
| Cost of funding earning assets | 0.9329% | 2,044 |
| Net interest margin | 3.6445% | 2,980 |
| Noninterest income to average assets | 1.4103% | 479 |
| Noninterest expense to average assets | 3.0341% | 1,928 |
| Loan and lease loss provision to assets | 0.1770% | 1,178 |
| Net operating income to assets | 1.1365% | 2,303 |
| Return on assets (ROA) | 1.1367% | 2,404 |
| Pretax return on assets | 1.4337% | 2,030 |
| Return on Equity (ROE) | 8.8360% | 2,831 |
| Retained earnings to average equity (ytd only) | 3.6616% | 3,164 |
| Net charge-offs to loans | 0.1503% | 1,323 |
| Credit loss provision to net charge-offs | 159.5761% | 1,618 |
| Earnings coverage of net charge-offs (x) | 14.5232% | 2,282 |
| Efficiency ratio | 63.7591% | 3,106 |
| Assets per employee ($millions) | 8.0992% | 684 |
| Cash dividends to net income (ytd only)* | 58.5598% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 4,721 |
| Loan loss allowance to noncurrent loans | 212.2652% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,655 |
| Noncurrent loans to loans | 0.2883% | 3,404 |
| Net loans and leases to total assets | 69.9462% | 2,402 |
| Net loans and leases to deposits | 93.1572% | 1,237 |
| Net loans and leases to core deposits | 101.8567% | 1,421 |
| Total domestic deposits to total assets | 75.0841% | 4,697 |
| Equity capital to assets | 11.9035% | 2,195 |
| Core capital (leverage) ratio | 9.3697% | 4,199 |
| Tier 1 risk-based capital ratio | 11.4718% | 4,643 |
| Total risk-based capital ratio | 12.0883% | 4,819 |
| Memoranda: | ||
| Average total assets | $4,807,513,000 | 237 |
| Average earning assets | $4,266,359,800 | 238 |
| Average equity | $618,438,400 | 218 |
| Average total loans | $3,547,275,000 | 227 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 2,283 |
| Cost of funding earning assets | 0.9725% | 1,880 |
| Net interest margin | 3.7731% | 2,674 |
| Noninterest income to average assets | 1.3783% | 487 |
| Noninterest expense to average assets | 3.1110% | 1,691 |
| Loan and lease loss provision to assets | 0.1783% | 1,032 |
| Net operating income to assets | 1.1257% | 2,473 |
| Return on assets (ROA) | 1.1259% | 2,558 |
| Pretax return on assets | 1.4252% | 2,207 |
| Return on Equity (ROE) | 8.5739% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.5739% | 1,181 |
| Net charge-offs to loans | 0.1873% | 918 |
| Credit loss provision to net charge-offs | 127.3981% | 1,854 |
| Earnings coverage of net charge-offs (x) | 11.4551% | 2,441 |
| Efficiency ratio | 64.4134% | 2,947 |
| Assets per employee ($millions) | 7.4171% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5858% | 4,848 |
| Loan loss allowance to noncurrent loans | 147.1563% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 3,367 |
| Noncurrent loans to loans | 0.3981% | 3,118 |
| Net loans and leases to total assets | 73.2437% | 1,957 |
| Net loans and leases to deposits | 93.5784% | 1,260 |
| Net loans and leases to core deposits | 104.5154% | 1,296 |
| Total domestic deposits to total assets | 78.2699% | 4,304 |
| Equity capital to assets | 13.3423% | 1,438 |
| Core capital (leverage) ratio | 9.7527% | 3,908 |
| Tier 1 risk-based capital ratio | 12.1738% | 4,331 |
| Total risk-based capital ratio | 12.7495% | 4,567 |
| Memoranda: | ||
| Average total assets | $4,697,326,000 | 242 |
| Average earning assets | $4,153,160,750 | 243 |
| Average equity | $616,866,750 | 221 |
| Average total loans | $3,510,703,250 | 229 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 2,273 |
| Cost of funding earning assets | 0.9482% | 1,923 |
| Net interest margin | 3.7833% | 2,638 |
| Noninterest income to average assets | 1.4000% | 444 |
| Noninterest expense to average assets | 3.1925% | 1,529 |
| Loan and lease loss provision to assets | 0.2302% | 708 |
| Net operating income to assets | 1.0542% | 2,705 |
| Return on assets (ROA) | 1.0546% | 2,768 |
| Pretax return on assets | 1.3353% | 2,425 |
| Return on Equity (ROE) | 8.0749% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.0749% | 1,359 |
| Net charge-offs to loans | 0.2062% | 805 |
| Credit loss provision to net charge-offs | 148.6831% | 1,508 |
| Earnings coverage of net charge-offs (x) | 10.1076% | 2,292 |
| Efficiency ratio | 65.5294% | 2,883 |
| Assets per employee ($millions) | 7.3542% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 4,880 |
| Loan loss allowance to noncurrent loans | 173.9223% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 3,523 |
| Noncurrent loans to loans | 0.3439% | 3,314 |
| Net loans and leases to total assets | 74.5504% | 1,795 |
| Net loans and leases to deposits | 94.9639% | 1,155 |
| Net loans and leases to core deposits | 103.2159% | 1,450 |
| Total domestic deposits to total assets | 78.5039% | 4,313 |
| Equity capital to assets | 13.2621% | 1,459 |
| Core capital (leverage) ratio | 9.6145% | 4,021 |
| Tier 1 risk-based capital ratio | 11.8311% | 4,511 |
| Total risk-based capital ratio | 12.4218% | 4,735 |
| Memoranda: | ||
| Average total assets | $4,658,533,330 | 245 |
| Average earning assets | $4,134,391,330 | 244 |
| Average equity | $608,402,670 | 223 |
| Average total loans | $3,498,766,330 | 233 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 2,059 |
| Cost of funding earning assets | 0.9031% | 1,982 |
| Net interest margin | 3.8440% | 2,367 |
| Noninterest income to average assets | 1.3708% | 454 |
| Noninterest expense to average assets | 3.3742% | 1,155 |
| Loan and lease loss provision to assets | 0.3230% | 382 |
| Net operating income to assets | 0.8693% | 3,353 |
| Return on assets (ROA) | 0.8694% | 3,404 |
| Pretax return on assets | 1.1028% | 3,141 |
| Return on Equity (ROE) | 6.7100% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.7100% | 2,155 |
| Net charge-offs to loans | 0.2928% | 506 |
| Credit loss provision to net charge-offs | 146.7400% | 1,264 |
| Earnings coverage of net charge-offs (x) | 6.4776% | 2,195 |
| Efficiency ratio | 68.7432% | 2,531 |
| Assets per employee ($millions) | 7.0700% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,963 |
| Loan loss allowance to noncurrent loans | 106.9128% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,912 |
| Noncurrent loans to loans | 0.5468% | 2,674 |
| Net loans and leases to total assets | 75.9366% | 1,495 |
| Net loans and leases to deposits | 94.3397% | 1,132 |
| Net loans and leases to core deposits | 106.3595% | 1,153 |
| Total domestic deposits to total assets | 80.4927% | 4,074 |
| Equity capital to assets | 13.1407% | 1,374 |
| Core capital (leverage) ratio | 9.4789% | 4,156 |
| Tier 1 risk-based capital ratio | 11.3037% | 4,840 |
| Total risk-based capital ratio | 11.8746% | 5,036 |
| Memoranda: | ||
| Average total assets | $4,627,103,000 | 247 |
| Average earning assets | $4,127,714,000 | 246 |
| Average equity | $599,525,500 | 225 |
| Average total loans | $3,477,650,500 | 234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 2,111 |
| Cost of funding earning assets | 0.6478% | 2,408 |
| Net interest margin | 3.9620% | 2,120 |
| Noninterest income to average assets | 1.3842% | 476 |
| Noninterest expense to average assets | 3.0884% | 1,832 |
| Loan and lease loss provision to assets | 0.1627% | 1,249 |
| Net operating income to assets | 1.3709% | 1,529 |
| Return on assets (ROA) | 1.3710% | 1,516 |
| Pretax return on assets | 1.6926% | 1,185 |
| Return on Equity (ROE) | 10.4878% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,200 |
| Net charge-offs to loans | 0.1574% | 1,220 |
| Credit loss provision to net charge-offs | 135.9221% | 1,966 |
| Earnings coverage of net charge-offs (x) | 15.4970% | 2,321 |
| Efficiency ratio | 60.9360% | 3,703 |
| Assets per employee ($millions) | 7.2011% | 900 |
| Cash dividends to net income (ytd only)* | 42.8993% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 5,022 |
| Loan loss allowance to noncurrent loans | 151.5289% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 3,443 |
| Noncurrent loans to loans | 0.3739% | 3,198 |
| Net loans and leases to total assets | 73.5200% | 2,008 |
| Net loans and leases to deposits | 92.6049% | 1,458 |
| Net loans and leases to core deposits | 106.1001% | 1,263 |
| Total domestic deposits to total assets | 79.3911% | 4,238 |
| Equity capital to assets | 12.7737% | 1,454 |
| Core capital (leverage) ratio | 9.4827% | 4,133 |
| Tier 1 risk-based capital ratio | 11.4226% | 4,760 |
| Total risk-based capital ratio | 11.9859% | 4,988 |
| Memoranda: | ||
| Average total assets | $4,420,688,000 | 246 |
| Average earning assets | $3,971,421,400 | 244 |
| Average equity | $577,881,400 | 220 |
| Average total loans | $3,361,832,600 | 231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,989 |
| Cost of funding earning assets | 0.6005% | 2,474 |
| Net interest margin | 3.9940% | 1,977 |
| Noninterest income to average assets | 1.4248% | 466 |
| Noninterest expense to average assets | 3.1149% | 1,728 |
| Loan and lease loss provision to assets | 0.1475% | 1,348 |
| Net operating income to assets | 1.3586% | 1,628 |
| Return on assets (ROA) | 1.3586% | 1,634 |
| Pretax return on assets | 1.7503% | 1,140 |
| Return on Equity (ROE) | 10.3308% | 2,467 |
| Retained earnings to average equity (ytd only) | 7.3125% | 1,965 |
| Net charge-offs to loans | 0.1464% | 1,127 |
| Credit loss provision to net charge-offs | 131.5632% | 1,873 |
| Earnings coverage of net charge-offs (x) | 16.9251% | 2,135 |
| Efficiency ratio | 60.6555% | 3,714 |
| Assets per employee ($millions) | 6.7897% | 1,023 |
| Cash dividends to net income (ytd only)* | 29.2168% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 5,123 |
| Loan loss allowance to noncurrent loans | 207.8309% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,852 |
| Noncurrent loans to loans | 0.2655% | 3,735 |
| Net loans and leases to total assets | 77.0002% | 1,502 |
| Net loans and leases to deposits | 98.0205% | 946 |
| Net loans and leases to core deposits | 110.0971% | 1,024 |
| Total domestic deposits to total assets | 78.5552% | 4,396 |
| Equity capital to assets | 13.3417% | 1,193 |
| Core capital (leverage) ratio | 9.4765% | 4,204 |
| Tier 1 risk-based capital ratio | 11.5444% | 4,768 |
| Total risk-based capital ratio | 12.0979% | 5,011 |
| Memoranda: | ||
| Average total assets | $4,366,489,750 | 246 |
| Average earning assets | $3,922,351,750 | 245 |
| Average equity | $574,256,750 | 221 |
| Average total loans | $3,345,065,000 | 229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,899 |
| Cost of funding earning assets | 0.5425% | 2,671 |
| Net interest margin | 4.0179% | 1,798 |
| Noninterest income to average assets | 1.4443% | 458 |
| Noninterest expense to average assets | 3.1475% | 1,668 |
| Loan and lease loss provision to assets | 0.1910% | 911 |
| Net operating income to assets | 1.3261% | 1,681 |
| Return on assets (ROA) | 1.3261% | 1,681 |
| Pretax return on assets | 1.7172% | 1,174 |
| Return on Equity (ROE) | 10.1324% | 2,508 |
| Retained earnings to average equity (ytd only) | 10.1324% | 895 |
| Net charge-offs to loans | 0.1377% | 1,089 |
| Credit loss provision to net charge-offs | 181.6478% | 1,400 |
| Earnings coverage of net charge-offs (x) | 18.1517% | 1,916 |
| Efficiency ratio | 60.7940% | 3,797 |
| Assets per employee ($millions) | 6.7155% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5716% | 5,160 |
| Loan loss allowance to noncurrent loans | 205.3350% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,865 |
| Noncurrent loans to loans | 0.2784% | 3,709 |
| Net loans and leases to total assets | 77.0652% | 1,456 |
| Net loans and leases to deposits | 98.4319% | 936 |
| Net loans and leases to core deposits | 106.9294% | 1,183 |
| Total domestic deposits to total assets | 78.2929% | 4,539 |
| Equity capital to assets | 13.3158% | 1,178 |
| Core capital (leverage) ratio | 9.4863% | 4,130 |
| Tier 1 risk-based capital ratio | 11.3449% | 4,874 |
| Total risk-based capital ratio | 11.9127% | 5,104 |
| Memoranda: | ||
| Average total assets | $4,364,456,330 | 244 |
| Average earning assets | $3,922,736,000 | 242 |
| Average equity | $571,217,000 | 218 |
| Average total loans | $3,331,558,000 | 228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 1,876 |
| Cost of funding earning assets | 0.4762% | 2,997 |
| Net interest margin | 4.0211% | 1,657 |
| Noninterest income to average assets | 1.5103% | 427 |
| Noninterest expense to average assets | 3.2020% | 1,559 |
| Loan and lease loss provision to assets | 0.0946% | 1,934 |
| Net operating income to assets | 1.3781% | 1,402 |
| Return on assets (ROA) | 1.3787% | 1,415 |
| Pretax return on assets | 1.8307% | 854 |
| Return on Equity (ROE) | 10.6271% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.6271% | 984 |
| Net charge-offs to loans | 0.1082% | 1,128 |
| Credit loss provision to net charge-offs | 115.3415% | 1,415 |
| Earnings coverage of net charge-offs (x) | 23.4770% | 1,380 |
| Efficiency ratio | 61.0214% | 3,940 |
| Assets per employee ($millions) | 6.4914% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 5,287 |
| Loan loss allowance to noncurrent loans | 234.4617% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 4,172 |
| Noncurrent loans to loans | 0.2275% | 3,955 |
| Net loans and leases to total assets | 76.8767% | 1,404 |
| Net loans and leases to deposits | 97.2292% | 921 |
| Net loans and leases to core deposits | 107.0445% | 1,177 |
| Total domestic deposits to total assets | 79.0675% | 4,569 |
| Equity capital to assets | 13.3125% | 1,110 |
| Core capital (leverage) ratio | 9.3914% | 4,201 |
| Tier 1 risk-based capital ratio | 11.2895% | 4,986 |
| Total risk-based capital ratio | 11.8228% | 5,235 |
| Memoranda: | ||
| Average total assets | $4,357,430,500 | 245 |
| Average earning assets | $3,918,649,000 | 240 |
| Average equity | $565,309,500 | 222 |
| Average total loans | $3,300,484,500 | 231 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,436 |
| Cost of funding earning assets | 0.3893% | 3,338 |
| Net interest margin | 3.6002% | 3,166 |
| Noninterest income to average assets | 1.3623% | 566 |
| Noninterest expense to average assets | 3.0480% | 2,020 |
| Loan and lease loss provision to assets | 0.0728% | 2,753 |
| Net operating income to assets | 0.5678% | 4,153 |
| Return on assets (ROA) | 0.5696% | 4,181 |
| Pretax return on assets | 1.5245% | 1,548 |
| Return on Equity (ROE) | 4.8885% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.8885% | 2,200 |
| Net charge-offs to loans | 0.0938% | 2,143 |
| Credit loss provision to net charge-offs | 101.5122% | 2,526 |
| Earnings coverage of net charge-offs (x) | 22.2474% | 1,859 |
| Efficiency ratio | 64.2031% | 3,576 |
| Assets per employee ($millions) | 6.6725% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5327% | 5,352 |
| Loan loss allowance to noncurrent loans | 204.2779% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,137 |
| Noncurrent loans to loans | 0.2608% | 3,853 |
| Net loans and leases to total assets | 73.8541% | 1,942 |
| Net loans and leases to deposits | 94.9224% | 1,183 |
| Net loans and leases to core deposits | 104.4260% | 1,384 |
| Total domestic deposits to total assets | 77.8048% | 4,748 |
| Equity capital to assets | 12.6456% | 1,427 |
| Core capital (leverage) ratio | 10.7590% | 2,578 |
| Tier 1 risk-based capital ratio | 11.1025% | 5,086 |
| Total risk-based capital ratio | 11.6451% | 5,322 |
| Memoranda: | ||
| Average total assets | $3,598,548,800 | 272 |
| Average earning assets | $3,278,591,400 | 269 |
| Average equity | $419,289,000 | 258 |
| Average total loans | $2,750,443,200 | 258 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 2,947 |
| Cost of funding earning assets | 0.3804% | 3,372 |
| Net interest margin | 3.7315% | 2,652 |
| Noninterest income to average assets | 1.4290% | 527 |
| Noninterest expense to average assets | 3.1372% | 1,706 |
| Loan and lease loss provision to assets | 0.0606% | 2,870 |
| Net operating income to assets | 1.0700% | 2,230 |
| Return on assets (ROA) | 1.0719% | 2,269 |
| Pretax return on assets | 1.6471% | 1,252 |
| Return on Equity (ROE) | 9.4632% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.4632% | 718 |
| Net charge-offs to loans | 0.1032% | 1,754 |
| Credit loss provision to net charge-offs | 76.1364% | 2,633 |
| Earnings coverage of net charge-offs (x) | 21.4195% | 1,916 |
| Efficiency ratio | 63.3085% | 3,668 |
| Assets per employee ($millions) | 6.6030% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 5,266 |
| Loan loss allowance to noncurrent loans | 380.3176% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,501 |
| Noncurrent loans to loans | 0.1666% | 4,395 |
| Net loans and leases to total assets | 77.0714% | 1,411 |
| Net loans and leases to deposits | 98.6406% | 852 |
| Net loans and leases to core deposits | 110.0466% | 1,030 |
| Total domestic deposits to total assets | 78.1336% | 4,703 |
| Equity capital to assets | 11.5154% | 2,351 |
| Core capital (leverage) ratio | 8.7890% | 4,981 |
| Tier 1 risk-based capital ratio | 10.7783% | 5,350 |
| Total risk-based capital ratio | 11.4192% | 5,511 |
| Memoranda: | ||
| Average total assets | $3,390,554,250 | 280 |
| Average earning assets | $3,101,209,250 | 277 |
| Average equity | $384,045,000 | 277 |
| Average total loans | $2,615,641,000 | 268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,076 |
| Cost of funding earning assets | 0.3540% | 3,539 |
| Net interest margin | 3.6783% | 2,726 |
| Noninterest income to average assets | 1.3852% | 561 |
| Noninterest expense to average assets | 3.1430% | 1,721 |
| Loan and lease loss provision to assets | 0.0124% | 3,710 |
| Net operating income to assets | 1.0405% | 2,249 |
| Return on assets (ROA) | 1.0405% | 2,287 |
| Pretax return on assets | 1.5967% | 1,359 |
| Return on Equity (ROE) | 9.2388% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.2388% | 777 |
| Net charge-offs to loans | 0.0999% | 1,624 |
| Credit loss provision to net charge-offs | 16.0618% | 2,815 |
| Earnings coverage of net charge-offs (x) | 20.9197% | 1,771 |
| Efficiency ratio | 64.6065% | 3,567 |
| Assets per employee ($millions) | 6.2897% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 5,356 |
| Loan loss allowance to noncurrent loans | 226.6307% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 4,159 |
| Noncurrent loans to loans | 0.2705% | 4,074 |
| Net loans and leases to total assets | 77.7079% | 1,286 |
| Net loans and leases to deposits | 98.3483% | 862 |
| Net loans and leases to core deposits | 107.2304% | 1,146 |
| Total domestic deposits to total assets | 79.0130% | 4,617 |
| Equity capital to assets | 11.3552% | 2,453 |
| Core capital (leverage) ratio | 8.7646% | 4,988 |
| Tier 1 risk-based capital ratio | 10.2644% | 5,554 |
| Total risk-based capital ratio | 10.8776% | 5,672 |
| Memoranda: | ||
| Average total assets | $3,367,406,670 | 282 |
| Average earning assets | $3,082,249,330 | 280 |
| Average equity | $379,249,330 | 281 |
| Average total loans | $2,592,963,670 | 271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,042 |
| Cost of funding earning assets | 0.3339% | 3,714 |
| Net interest margin | 3.6668% | 2,621 |
| Noninterest income to average assets | 1.3059% | 598 |
| Noninterest expense to average assets | 3.0761% | 1,931 |
| Loan and lease loss provision to assets | 0.0348% | 3,088 |
| Net operating income to assets | 1.0142% | 2,248 |
| Return on assets (ROA) | 1.0143% | 2,301 |
| Pretax return on assets | 1.5551% | 1,362 |
| Return on Equity (ROE) | 9.0441% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.0441% | 1,062 |
| Net charge-offs to loans | 0.1050% | 1,322 |
| Credit loss provision to net charge-offs | 43.4328% | 2,039 |
| Earnings coverage of net charge-offs (x) | 19.8149% | 1,510 |
| Efficiency ratio | 64.3466% | 3,776 |
| Assets per employee ($millions) | 5.9238% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 5,368 |
| Loan loss allowance to noncurrent loans | 233.4471% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 4,195 |
| Noncurrent loans to loans | 0.2864% | 4,090 |
| Net loans and leases to total assets | 77.5821% | 1,191 |
| Net loans and leases to deposits | 95.5258% | 972 |
| Net loans and leases to core deposits | 99.9106% | 1,507 |
| Total domestic deposits to total assets | 81.2159% | 4,363 |
| Equity capital to assets | 11.5711% | 2,135 |
| Core capital (leverage) ratio | 8.8345% | 4,923 |
| Tier 1 risk-based capital ratio | 10.5787% | 5,507 |
| Total risk-based capital ratio | 11.2485% | 5,664 |
| Memoranda: | ||
| Average total assets | $3,340,317,500 | 285 |
| Average earning assets | $3,060,853,000 | 283 |
| Average equity | $374,609,500 | 284 |
| Average total loans | $2,551,824,500 | 276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 2,691 |
| Cost of funding earning assets | 0.3248% | 3,800 |
| Net interest margin | 3.8158% | 2,257 |
| Noninterest income to average assets | 1.4315% | 568 |
| Noninterest expense to average assets | 3.1143% | 1,993 |
| Loan and lease loss provision to assets | 0.1379% | 1,808 |
| Net operating income to assets | 1.0856% | 1,953 |
| Return on assets (ROA) | 1.0840% | 2,069 |
| Pretax return on assets | 1.6525% | 1,126 |
| Return on Equity (ROE) | 9.2993% | 2,272 |
| Retained earnings to average equity (ytd only) | 4.9246% | 2,390 |
| Net charge-offs to loans | 0.1110% | 2,157 |
| Credit loss provision to net charge-offs | 160.4004% | 1,718 |
| Earnings coverage of net charge-offs (x) | 20.8565% | 1,830 |
| Efficiency ratio | 61.3928% | 4,356 |
| Assets per employee ($millions) | 6.8644% | 977 |
| Cash dividends to net income (ytd only)* | 47.0436% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 5,382 |
| Loan loss allowance to noncurrent loans | 207.9933% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,170 |
| Noncurrent loans to loans | 0.3303% | 3,957 |
| Net loans and leases to total assets | 74.2362% | 1,810 |
| Net loans and leases to deposits | 96.9981% | 909 |
| Net loans and leases to core deposits | 104.6030% | 1,237 |
| Total domestic deposits to total assets | 76.5337% | 5,178 |
| Equity capital to assets | 10.8720% | 2,738 |
| Core capital (leverage) ratio | 8.7258% | 5,045 |
| Tier 1 risk-based capital ratio | 10.5017% | 5,572 |
| Total risk-based capital ratio | 11.1944% | 5,715 |
| Memoranda: | ||
| Average total assets | $3,137,523,600 | 287 |
| Average earning assets | $2,857,767,400 | 284 |
| Average equity | $365,738,400 | 274 |
| Average total loans | $2,430,046,800 | 271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 2,491 |
| Cost of funding earning assets | 0.3210% | 3,857 |
| Net interest margin | 3.8844% | 2,034 |
| Noninterest income to average assets | 1.4669% | 557 |
| Noninterest expense to average assets | 3.1787% | 1,831 |
| Loan and lease loss provision to assets | 0.1419% | 1,651 |
| Net operating income to assets | 1.0971% | 2,011 |
| Return on assets (ROA) | 1.0947% | 2,123 |
| Pretax return on assets | 1.6734% | 1,189 |
| Return on Equity (ROE) | 9.2189% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.2189% | 752 |
| Net charge-offs to loans | 0.0766% | 2,227 |
| Credit loss provision to net charge-offs | 236.7391% | 1,246 |
| Earnings coverage of net charge-offs (x) | 30.3580% | 1,479 |
| Efficiency ratio | 61.4855% | 4,314 |
| Assets per employee ($millions) | 6.4032% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 5,414 |
| Loan loss allowance to noncurrent loans | 179.7043% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 4,044 |
| Noncurrent loans to loans | 0.3942% | 3,853 |
| Net loans and leases to total assets | 78.7863% | 1,068 |
| Net loans and leases to deposits | 99.9515% | 708 |
| Net loans and leases to core deposits | 108.7891% | 1,000 |
| Total domestic deposits to total assets | 78.8245% | 4,763 |
| Equity capital to assets | 12.0978% | 2,042 |
| Core capital (leverage) ratio | 9.1676% | 4,638 |
| Tier 1 risk-based capital ratio | 10.9856% | 5,376 |
| Total risk-based capital ratio | 11.7034% | 5,564 |
| Memoranda: | ||
| Average total assets | $3,070,716,000 | 290 |
| Average earning assets | $2,791,254,500 | 287 |
| Average equity | $364,631,750 | 274 |
| Average total loans | $2,401,297,250 | 270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,477 |
| Cost of funding earning assets | 0.3107% | 4,008 |
| Net interest margin | 3.9009% | 1,974 |
| Noninterest income to average assets | 1.4540% | 549 |
| Noninterest expense to average assets | 3.2050% | 1,799 |
| Loan and lease loss provision to assets | 0.1220% | 1,876 |
| Net operating income to assets | 1.0898% | 1,994 |
| Return on assets (ROA) | 1.0873% | 2,134 |
| Pretax return on assets | 1.6653% | 1,183 |
| Return on Equity (ROE) | 9.2166% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.2166% | 791 |
| Net charge-offs to loans | 0.0571% | 2,371 |
| Credit loss provision to net charge-offs | 274.4083% | 1,029 |
| Earnings coverage of net charge-offs (x) | 40.2988% | 1,152 |
| Efficiency ratio | 62.0108% | 4,350 |
| Assets per employee ($millions) | 6.2580% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 5,520 |
| Loan loss allowance to noncurrent loans | 177.1446% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 4,136 |
| Noncurrent loans to loans | 0.3948% | 3,949 |
| Net loans and leases to total assets | 78.7158% | 1,113 |
| Net loans and leases to deposits | 99.8276% | 707 |
| Net loans and leases to core deposits | 108.9682% | 982 |
| Total domestic deposits to total assets | 78.8518% | 4,818 |
| Equity capital to assets | 12.1585% | 2,007 |
| Core capital (leverage) ratio | 9.0585% | 4,763 |
| Tier 1 risk-based capital ratio | 10.9421% | 5,449 |
| Total risk-based capital ratio | 11.6485% | 5,637 |
| Memoranda: | ||
| Average total assets | $3,042,024,000 | 291 |
| Average earning assets | $2,762,198,330 | 289 |
| Average equity | $358,874,670 | 276 |
| Average total loans | $2,366,775,330 | 272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,626 |
| Cost of funding earning assets | 0.2915% | 4,265 |
| Net interest margin | 3.8665% | 2,050 |
| Noninterest income to average assets | 1.4572% | 532 |
| Noninterest expense to average assets | 3.1996% | 1,834 |
| Loan and lease loss provision to assets | 0.1863% | 1,066 |
| Net operating income to assets | 1.0350% | 2,140 |
| Return on assets (ROA) | 1.0337% | 2,270 |
| Pretax return on assets | 1.5754% | 1,361 |
| Return on Equity (ROE) | 8.9008% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.9008% | 1,147 |
| Net charge-offs to loans | 0.0724% | 1,755 |
| Credit loss provision to net charge-offs | 334.1232% | 795 |
| Earnings coverage of net charge-offs (x) | 31.6256% | 1,152 |
| Efficiency ratio | 62.2973% | 4,404 |
| Assets per employee ($millions) | 5.7591% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 5,585 |
| Loan loss allowance to noncurrent loans | 175.0130% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 4,192 |
| Noncurrent loans to loans | 0.4033% | 3,991 |
| Net loans and leases to total assets | 77.9334% | 1,112 |
| Net loans and leases to deposits | 100.4598% | 592 |
| Net loans and leases to core deposits | 110.3151% | 837 |
| Total domestic deposits to total assets | 77.5767% | 5,208 |
| Equity capital to assets | 11.9668% | 2,050 |
| Core capital (leverage) ratio | 9.1527% | 4,651 |
| Tier 1 risk-based capital ratio | 10.6914% | 5,665 |
| Total risk-based capital ratio | 11.3934% | 5,809 |
| Memoranda: | ||
| Average total assets | $3,026,708,000 | 289 |
| Average earning assets | $2,744,709,500 | 288 |
| Average equity | $351,518,000 | 278 |
| Average total loans | $2,332,311,500 | 271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,153 |
| Cost of funding earning assets | 0.3063% | 4,179 |
| Net interest margin | 4.0132% | 1,673 |
| Noninterest income to average assets | 1.6791% | 465 |
| Noninterest expense to average assets | 4.3438% | 461 |
| Loan and lease loss provision to assets | 0.1567% | 1,494 |
| Net operating income to assets | 0.5375% | 4,550 |
| Return on assets (ROA) | 0.5590% | 4,556 |
| Pretax return on assets | 0.8612% | 3,983 |
| Return on Equity (ROE) | 4.7998% | 4,607 |
| Retained earnings to average equity (ytd only) | -5.4002% | 5,933 |
| Net charge-offs to loans | 0.1497% | 1,869 |
| Credit loss provision to net charge-offs | 140.6720% | 1,872 |
| Earnings coverage of net charge-offs (x) | 8.8413% | 2,889 |
| Efficiency ratio | 78.7256% | 1,855 |
| Assets per employee ($millions) | 5.4875% | 1,820 |
| Cash dividends to net income (ytd only)* | 212.5080% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 5,640 |
| Loan loss allowance to noncurrent loans | 154.9897% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 3,899 |
| Noncurrent loans to loans | 0.4491% | 3,862 |
| Net loans and leases to total assets | 75.0883% | 1,556 |
| Net loans and leases to deposits | 98.6401% | 768 |
| Net loans and leases to core deposits | 105.8311% | 1,106 |
| Total domestic deposits to total assets | 76.1235% | 5,431 |
| Equity capital to assets | 11.2577% | 2,579 |
| Core capital (leverage) ratio | 8.5085% | 5,420 |
| Tier 1 risk-based capital ratio | 10.1194% | 5,922 |
| Total risk-based capital ratio | 10.7828% | 6,027 |
| Memoranda: | ||
| Average total assets | $2,805,926,800 | 295 |
| Average earning assets | $2,551,568,400 | 289 |
| Average equity | $326,802,400 | 279 |
| Average total loans | $2,087,082,200 | 273 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,035 |
| Cost of funding earning assets | 0.3111% | 4,215 |
| Net interest margin | 4.0525% | 1,552 |
| Noninterest income to average assets | 1.7204% | 447 |
| Noninterest expense to average assets | 3.6723% | 1,020 |
| Loan and lease loss provision to assets | 0.1268% | 1,781 |
| Net operating income to assets | 1.0479% | 2,224 |
| Return on assets (ROA) | 1.0754% | 2,199 |
| Pretax return on assets | 1.6525% | 1,229 |
| Return on Equity (ROE) | 9.1498% | 2,494 |
| Retained earnings to average equity (ytd only) | 7.7766% | 1,343 |
| Net charge-offs to loans | 0.0830% | 2,358 |
| Credit loss provision to net charge-offs | 206.2205% | 1,307 |
| Earnings coverage of net charge-offs (x) | 28.2536% | 1,547 |
| Efficiency ratio | 65.0346% | 4,058 |
| Assets per employee ($millions) | 5.5465% | 1,744 |
| Cash dividends to net income (ytd only)* | 15.0079% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 5,704 |
| Loan loss allowance to noncurrent loans | 118.3263% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,846 |
| Noncurrent loans to loans | 0.6019% | 3,516 |
| Net loans and leases to total assets | 75.7149% | 1,430 |
| Net loans and leases to deposits | 98.5098% | 776 |
| Net loans and leases to core deposits | 105.4286% | 1,139 |
| Total domestic deposits to total assets | 76.8603% | 5,363 |
| Equity capital to assets | 12.4416% | 1,775 |
| Core capital (leverage) ratio | 9.7476% | 3,969 |
| Tier 1 risk-based capital ratio | 12.2575% | 4,916 |
| Total risk-based capital ratio | 12.9566% | 5,181 |
| Memoranda: | ||
| Average total assets | $2,754,255,750 | 304 |
| Average earning assets | $2,507,125,000 | 300 |
| Average equity | $323,715,500 | 289 |
| Average total loans | $2,039,359,000 | 283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 1,647 |
| Cost of funding earning assets | 0.3162% | 4,207 |
| Net interest margin | 4.1469% | 1,232 |
| Noninterest income to average assets | 1.7834% | 433 |
| Noninterest expense to average assets | 3.8103% | 860 |
| Loan and lease loss provision to assets | 0.1053% | 2,072 |
| Net operating income to assets | 1.0739% | 2,042 |
| Return on assets (ROA) | 1.1131% | 1,984 |
| Pretax return on assets | 1.7086% | 1,069 |
| Return on Equity (ROE) | 9.6761% | 2,217 |
| Retained earnings to average equity (ytd only) | 7.5241% | 1,460 |
| Net charge-offs to loans | 0.1060% | 1,943 |
| Credit loss provision to net charge-offs | 135.6597% | 1,647 |
| Earnings coverage of net charge-offs (x) | 22.5851% | 1,640 |
| Efficiency ratio | 65.6847% | 4,074 |
| Assets per employee ($millions) | 5.9459% | 1,402 |
| Cash dividends to net income (ytd only)* | 22.2407% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 5,835 |
| Loan loss allowance to noncurrent loans | 133.0872% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 4,262 |
| Noncurrent loans to loans | 0.5183% | 3,902 |
| Net loans and leases to total assets | 73.4712% | 1,745 |
| Net loans and leases to deposits | 94.9419% | 1,052 |
| Net loans and leases to core deposits | 103.3015% | 1,236 |
| Total domestic deposits to total assets | 77.3855% | 5,392 |
| Equity capital to assets | 12.1869% | 1,882 |
| Core capital (leverage) ratio | 9.7726% | 3,907 |
| Tier 1 risk-based capital ratio | 12.2580% | 4,963 |
| Total risk-based capital ratio | 12.9315% | 5,261 |
| Memoranda: | ||
| Average total assets | $2,694,308,330 | 306 |
| Average earning assets | $2,456,318,670 | 302 |
| Average equity | $309,938,000 | 303 |
| Average total loans | $1,973,317,330 | 286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,119 |
| Cost of funding earning assets | 0.3322% | 4,066 |
| Net interest margin | 4.3206% | 843 |
| Noninterest income to average assets | 1.8248% | 412 |
| Noninterest expense to average assets | 4.1022% | 620 |
| Loan and lease loss provision to assets | 0.0884% | 2,218 |
| Net operating income to assets | 1.0332% | 2,102 |
| Return on assets (ROA) | 1.1150% | 1,924 |
| Pretax return on assets | 1.7167% | 1,016 |
| Return on Equity (ROE) | 10.0318% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.3722% | 2,849 |
| Net charge-offs to loans | 0.1832% | 1,196 |
| Credit loss provision to net charge-offs | 66.2398% | 1,948 |
| Earnings coverage of net charge-offs (x) | 12.5891% | 1,788 |
| Efficiency ratio | 68.1440% | 3,800 |
| Assets per employee ($millions) | 5.8485% | 1,507 |
| Cash dividends to net income (ytd only)* | 46.4485% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 5,935 |
| Loan loss allowance to noncurrent loans | 118.5996% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 4,171 |
| Noncurrent loans to loans | 0.5753% | 3,859 |
| Net loans and leases to total assets | 71.1604% | 1,955 |
| Net loans and leases to deposits | 92.4041% | 1,142 |
| Net loans and leases to core deposits | 100.1959% | 1,308 |
| Total domestic deposits to total assets | 77.0100% | 5,609 |
| Equity capital to assets | 11.9952% | 2,034 |
| Core capital (leverage) ratio | 9.5189% | 4,246 |
| Tier 1 risk-based capital ratio | 12.3810% | 4,988 |
| Total risk-based capital ratio | 13.0469% | 5,271 |
| Memoranda: | ||
| Average total assets | $2,575,809,000 | 315 |
| Average earning assets | $2,358,843,500 | 309 |
| Average equity | $286,289,000 | 320 |
| Average total loans | $1,875,663,000 | 297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,537 |
| Cost of funding earning assets | 0.3047% | 4,746 |
| Net interest margin | 4.0128% | 1,863 |
| Noninterest income to average assets | 1.9802% | 348 |
| Noninterest expense to average assets | 3.6968% | 1,160 |
| Loan and lease loss provision to assets | 0.0420% | 3,739 |
| Net operating income to assets | 1.2600% | 1,403 |
| Return on assets (ROA) | 1.2746% | 1,411 |
| Pretax return on assets | 1.9600% | 550 |
| Return on Equity (ROE) | 12.1415% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.0265% | 1,396 |
| Net charge-offs to loans | 0.1128% | 2,903 |
| Credit loss provision to net charge-offs | 48.7590% | 3,507 |
| Earnings coverage of net charge-offs (x) | 22.9967% | 1,608 |
| Efficiency ratio | 62.7144% | 4,792 |
| Assets per employee ($millions) | 5.2409% | 2,028 |
| Cash dividends to net income (ytd only)* | 42.1286% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 5,526 |
| Loan loss allowance to noncurrent loans | 150.2317% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 4,178 |
| Noncurrent loans to loans | 0.5862% | 3,907 |
| Net loans and leases to total assets | 73.6984% | 1,637 |
| Net loans and leases to deposits | 96.8340% | 843 |
| Net loans and leases to core deposits | 106.4223% | 993 |
| Total domestic deposits to total assets | 76.1080% | 5,716 |
| Equity capital to assets | 9.9583% | 4,170 |
| Core capital (leverage) ratio | 9.0909% | 4,838 |
| Tier 1 risk-based capital ratio | 11.4527% | 5,686 |
| Total risk-based capital ratio | 12.3210% | 5,824 |
| Memoranda: | ||
| Average total assets | $2,106,118,600 | 359 |
| Average earning assets | $1,939,978,400 | 351 |
| Average equity | $221,092,200 | 371 |
| Average total loans | $1,607,126,200 | 314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,383 |
| Cost of funding earning assets | 0.3034% | 4,860 |
| Net interest margin | 4.0579% | 1,699 |
| Noninterest income to average assets | 1.9875% | 347 |
| Noninterest expense to average assets | 3.6516% | 1,209 |
| Loan and lease loss provision to assets | 0.0771% | 2,799 |
| Net operating income to assets | 1.2903% | 1,396 |
| Return on assets (ROA) | 1.2937% | 1,445 |
| Pretax return on assets | 1.9955% | 581 |
| Return on Equity (ROE) | 12.1559% | 1,436 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,871 |
| Net charge-offs to loans | 0.0933% | 2,881 |
| Credit loss provision to net charge-offs | 107.5269% | 2,071 |
| Earnings coverage of net charge-offs (x) | 28.8415% | 1,410 |
| Efficiency ratio | 61.5681% | 4,947 |
| Assets per employee ($millions) | 5.0987% | 2,134 |
| Cash dividends to net income (ytd only)* | 43.2898% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 5,437 |
| Loan loss allowance to noncurrent loans | 187.6233% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 4,604 |
| Noncurrent loans to loans | 0.5049% | 4,416 |
| Net loans and leases to total assets | 77.4545% | 1,029 |
| Net loans and leases to deposits | 100.9266% | 562 |
| Net loans and leases to core deposits | 108.3655% | 830 |
| Total domestic deposits to total assets | 76.7434% | 5,721 |
| Equity capital to assets | 10.7072% | 3,290 |
| Core capital (leverage) ratio | 9.3853% | 4,528 |
| Tier 1 risk-based capital ratio | 11.6020% | 5,739 |
| Total risk-based capital ratio | 12.5379% | 5,826 |
| Memoranda: | ||
| Average total assets | $2,075,800,000 | 360 |
| Average earning assets | $1,908,813,500 | 352 |
| Average equity | $220,912,750 | 365 |
| Average total loans | $1,594,873,000 | 312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,266 |
| Cost of funding earning assets | 0.2980% | 4,988 |
| Net interest margin | 4.0789% | 1,579 |
| Noninterest income to average assets | 2.0210% | 338 |
| Noninterest expense to average assets | 3.6436% | 1,218 |
| Loan and lease loss provision to assets | 0.0629% | 3,008 |
| Net operating income to assets | 1.3452% | 1,194 |
| Return on assets (ROA) | 1.3503% | 1,230 |
| Pretax return on assets | 2.0671% | 469 |
| Return on Equity (ROE) | 12.7141% | 1,253 |
| Retained earnings to average equity (ytd only) | 10.4889% | 618 |
| Net charge-offs to loans | 0.0881% | 2,806 |
| Credit loss provision to net charge-offs | 93.5252% | 2,123 |
| Earnings coverage of net charge-offs (x) | 31.5396% | 1,213 |
| Efficiency ratio | 60.9269% | 5,152 |
| Assets per employee ($millions) | 5.0307% | 2,175 |
| Cash dividends to net income (ytd only)* | 17.5020% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 5,538 |
| Loan loss allowance to noncurrent loans | 184.5181% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 4,698 |
| Noncurrent loans to loans | 0.5184% | 4,453 |
| Net loans and leases to total assets | 75.8059% | 1,201 |
| Net loans and leases to deposits | 98.4844% | 633 |
| Net loans and leases to core deposits | 105.0844% | 954 |
| Total domestic deposits to total assets | 76.9725% | 5,805 |
| Equity capital to assets | 10.6933% | 3,209 |
| Core capital (leverage) ratio | 9.5071% | 4,322 |
| Tier 1 risk-based capital ratio | 11.6817% | 5,703 |
| Total risk-based capital ratio | 12.6212% | 5,816 |
| Memoranda: | ||
| Average total assets | $2,065,809,670 | 359 |
| Average earning assets | $1,896,568,670 | 349 |
| Average equity | $219,393,670 | 364 |
| Average total loans | $1,577,626,330 | 311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,403 |
| Cost of funding earning assets | 0.2943% | 5,132 |
| Net interest margin | 4.0368% | 1,639 |
| Noninterest income to average assets | 1.9149% | 358 |
| Noninterest expense to average assets | 3.5472% | 1,402 |
| Loan and lease loss provision to assets | 0.1469% | 1,655 |
| Net operating income to assets | 1.2638% | 1,311 |
| Return on assets (ROA) | 1.2633% | 1,364 |
| Pretax return on assets | 1.9275% | 618 |
| Return on Equity (ROE) | 11.9377% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.9377% | 614 |
| Net charge-offs to loans | 0.1271% | 1,954 |
| Credit loss provision to net charge-offs | 151.5152% | 1,247 |
| Earnings coverage of net charge-offs (x) | 21.4040% | 1,290 |
| Efficiency ratio | 60.7678% | 5,299 |
| Assets per employee ($millions) | 4.8491% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 5,497 |
| Loan loss allowance to noncurrent loans | 154.3053% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 4,499 |
| Noncurrent loans to loans | 0.6521% | 4,230 |
| Net loans and leases to total assets | 75.9949% | 1,003 |
| Net loans and leases to deposits | 97.8559% | 551 |
| Net loans and leases to core deposits | 103.6642% | 877 |
| Total domestic deposits to total assets | 77.6600% | 5,876 |
| Equity capital to assets | 10.7682% | 2,966 |
| Core capital (leverage) ratio | 9.4318% | 4,374 |
| Tier 1 risk-based capital ratio | 11.6492% | 5,838 |
| Total risk-based capital ratio | 12.6303% | 5,925 |
| Memoranda: | ||
| Average total assets | $2,042,263,500 | 359 |
| Average earning assets | $1,875,644,000 | 355 |
| Average equity | $216,121,500 | 369 |
| Average total loans | $1,557,852,500 | 317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,138 |
| Cost of funding earning assets | 0.2778% | 5,779 |
| Net interest margin | 3.9759% | 2,019 |
| Noninterest income to average assets | 2.1167% | 363 |
| Noninterest expense to average assets | 3.8096% | 1,119 |
| Loan and lease loss provision to assets | 0.1769% | 2,091 |
| Net operating income to assets | 1.1777% | 1,655 |
| Return on assets (ROA) | 1.1774% | 1,713 |
| Pretax return on assets | 1.7810% | 788 |
| Return on Equity (ROE) | 11.8507% | 1,473 |
| Retained earnings to average equity (ytd only) | 8.3812% | 935 |
| Net charge-offs to loans | 0.1704% | 3,122 |
| Credit loss provision to net charge-offs | 143.8632% | 1,620 |
| Earnings coverage of net charge-offs (x) | 15.9235% | 1,837 |
| Efficiency ratio | 63.4150% | 4,995 |
| Assets per employee ($millions) | 4.7847% | 2,467 |
| Cash dividends to net income (ytd only)* | 29.2770% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,553 |
| Loan loss allowance to noncurrent loans | 147.3689% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 4,559 |
| Noncurrent loans to loans | 0.6799% | 4,274 |
| Net loans and leases to total assets | 75.0349% | 1,216 |
| Net loans and leases to deposits | 95.9187% | 741 |
| Net loans and leases to core deposits | 101.8167% | 1,042 |
| Total domestic deposits to total assets | 78.2276% | 5,794 |
| Equity capital to assets | 10.3968% | 3,291 |
| Core capital (leverage) ratio | 9.1436% | 4,793 |
| Tier 1 risk-based capital ratio | 11.3998% | 5,964 |
| Total risk-based capital ratio | 12.3807% | 6,059 |
| Memoranda: | ||
| Average total assets | $2,020,550,400 | 355 |
| Average earning assets | $1,855,546,400 | 345 |
| Average equity | $200,747,000 | 386 |
| Average total loans | $1,458,660,000 | 313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,396 |
| Cost of funding earning assets | 0.2753% | 5,925 |
| Net interest margin | 3.9221% | 2,191 |
| Noninterest income to average assets | 2.1303% | 380 |
| Noninterest expense to average assets | 3.8025% | 1,077 |
| Loan and lease loss provision to assets | 0.1828% | 1,990 |
| Net operating income to assets | 1.1570% | 1,782 |
| Return on assets (ROA) | 1.1571% | 1,854 |
| Pretax return on assets | 1.7449% | 1,006 |
| Return on Equity (ROE) | 11.7849% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.7258% | 1,148 |
| Net charge-offs to loans | 0.2006% | 2,632 |
| Credit loss provision to net charge-offs | 127.8575% | 1,846 |
| Earnings coverage of net charge-offs (x) | 13.4799% | 2,027 |
| Efficiency ratio | 63.6141% | 4,865 |
| Assets per employee ($millions) | 4.9046% | 2,300 |
| Cash dividends to net income (ytd only)* | 25.9579% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,710 |
| Loan loss allowance to noncurrent loans | 142.1531% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 4,708 |
| Noncurrent loans to loans | 0.7041% | 4,445 |
| Net loans and leases to total assets | 72.8458% | 1,475 |
| Net loans and leases to deposits | 95.4750% | 728 |
| Net loans and leases to core deposits | 101.7955% | 1,005 |
| Total domestic deposits to total assets | 76.2984% | 6,137 |
| Equity capital to assets | 9.9639% | 3,949 |
| Core capital (leverage) ratio | 9.2240% | 4,798 |
| Tier 1 risk-based capital ratio | 11.3582% | 6,122 |
| Total risk-based capital ratio | 12.3272% | 6,211 |
| Memoranda: | ||
| Average total assets | $2,014,919,250 | 357 |
| Average earning assets | $1,849,319,500 | 346 |
| Average equity | $197,830,000 | 390 |
| Average total loans | $1,436,191,250 | 322 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,523 |
| Cost of funding earning assets | 0.2813% | 5,973 |
| Net interest margin | 3.8728% | 2,302 |
| Noninterest income to average assets | 2.2130% | 385 |
| Noninterest expense to average assets | 3.8851% | 997 |
| Loan and lease loss provision to assets | 0.1799% | 2,113 |
| Net operating income to assets | 1.1298% | 1,818 |
| Return on assets (ROA) | 1.1300% | 1,934 |
| Pretax return on assets | 1.7071% | 1,099 |
| Return on Equity (ROE) | 11.5668% | 1,614 |
| Retained earnings to average equity (ytd only) | 9.2557% | 1,046 |
| Net charge-offs to loans | 0.2525% | 2,211 |
| Credit loss provision to net charge-offs | 101.0638% | 2,182 |
| Earnings coverage of net charge-offs (x) | 10.5985% | 2,141 |
| Efficiency ratio | 64.5851% | 4,778 |
| Assets per employee ($millions) | 4.7400% | 2,466 |
| Cash dividends to net income (ytd only)* | 19.9806% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,786 |
| Loan loss allowance to noncurrent loans | 138.1672% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 4,783 |
| Noncurrent loans to loans | 0.7295% | 4,465 |
| Net loans and leases to total assets | 71.2616% | 1,680 |
| Net loans and leases to deposits | 91.2128% | 1,034 |
| Net loans and leases to core deposits | 95.0357% | 1,438 |
| Total domestic deposits to total assets | 78.1268% | 5,955 |
| Equity capital to assets | 10.0020% | 3,916 |
| Core capital (leverage) ratio | 9.0673% | 4,883 |
| Tier 1 risk-based capital ratio | 11.5791% | 6,070 |
| Total risk-based capital ratio | 12.5505% | 6,167 |
| Memoranda: | ||
| Average total assets | $2,006,459,670 | 358 |
| Average earning assets | $1,843,850,000 | 346 |
| Average equity | $196,009,000 | 392 |
| Average total loans | $1,414,488,670 | 323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 3,762 |
| Cost of funding earning assets | 0.2958% | 6,000 |
| Net interest margin | 3.7948% | 2,469 |
| Noninterest income to average assets | 2.1014% | 403 |
| Noninterest expense to average assets | 3.8352% | 1,069 |
| Loan and lease loss provision to assets | 0.1597% | 2,278 |
| Net operating income to assets | 1.0401% | 2,072 |
| Return on assets (ROA) | 1.0404% | 2,180 |
| Pretax return on assets | 1.5946% | 1,315 |
| Return on Equity (ROE) | 10.7769% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.7769% | 920 |
| Net charge-offs to loans | 0.2226% | 2,099 |
| Credit loss provision to net charge-offs | 102.8133% | 1,787 |
| Earnings coverage of net charge-offs (x) | 11.2941% | 1,670 |
| Efficiency ratio | 65.5392% | 4,739 |
| Assets per employee ($millions) | 4.7775% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,896 |
| Loan loss allowance to noncurrent loans | 112.5156% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 4,714 |
| Noncurrent loans to loans | 0.9116% | 4,312 |
| Net loans and leases to total assets | 69.3094% | 1,780 |
| Net loans and leases to deposits | 86.2578% | 1,325 |
| Net loans and leases to core deposits | 89.7329% | 1,724 |
| Total domestic deposits to total assets | 80.3514% | 5,676 |
| Equity capital to assets | 9.8358% | 4,376 |
| Core capital (leverage) ratio | 8.6982% | 5,331 |
| Tier 1 risk-based capital ratio | 11.5157% | 6,181 |
| Total risk-based capital ratio | 12.5087% | 6,265 |
| Memoranda: | ||
| Average total assets | $2,014,285,500 | 359 |
| Average earning assets | $1,851,258,000 | 348 |
| Average equity | $194,453,000 | 396 |
| Average total loans | $1,405,170,000 | 326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 3,931 |
| Cost of funding earning assets | 0.4834% | 5,327 |
| Net interest margin | 3.8896% | 2,873 |
| Noninterest income to average assets | 2.1669% | 389 |
| Noninterest expense to average assets | 3.9056% | 1,094 |
| Loan and lease loss provision to assets | 0.2170% | 2,961 |
| Net operating income to assets | 1.0336% | 2,195 |
| Return on assets (ROA) | 1.0827% | 2,189 |
| Pretax return on assets | 1.6801% | 1,185 |
| Return on Equity (ROE) | 10.7272% | 1,896 |
| Retained earnings to average equity (ytd only) | 4.2624% | 3,224 |
| Net charge-offs to loans | 0.1759% | 3,969 |
| Credit loss provision to net charge-offs | 171.7289% | 1,534 |
| Earnings coverage of net charge-offs (x) | 14.4050% | 1,737 |
| Efficiency ratio | 65.1473% | 4,677 |
| Assets per employee ($millions) | 4.8145% | 2,470 |
| Cash dividends to net income (ytd only)* | 60.2654% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,860 |
| Loan loss allowance to noncurrent loans | 99.1409% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 4,550 |
| Noncurrent loans to loans | 1.0379% | 4,137 |
| Net loans and leases to total assets | 68.7785% | 2,068 |
| Net loans and leases to deposits | 84.5097% | 1,696 |
| Net loans and leases to core deposits | 89.8387% | 1,854 |
| Total domestic deposits to total assets | 81.3853% | 5,283 |
| Equity capital to assets | 9.4721% | 4,910 |
| Core capital (leverage) ratio | 8.8386% | 5,117 |
| Tier 1 risk-based capital ratio | 11.1990% | 6,275 |
| Total risk-based capital ratio | 12.1954% | 6,332 |
| Memoranda: | ||
| Average total assets | $1,844,489,400 | 379 |
| Average earning assets | $1,687,759,600 | 372 |
| Average equity | $186,163,000 | 395 |
| Average total loans | $1,324,898,400 | 331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 3,837 |
| Cost of funding earning assets | 0.5228% | 5,291 |
| Net interest margin | 3.9254% | 2,821 |
| Noninterest income to average assets | 2.1147% | 395 |
| Noninterest expense to average assets | 3.8061% | 1,201 |
| Loan and lease loss provision to assets | 0.2223% | 2,839 |
| Net operating income to assets | 1.0970% | 2,101 |
| Return on assets (ROA) | 1.1515% | 2,095 |
| Pretax return on assets | 1.7592% | 1,145 |
| Return on Equity (ROE) | 11.2159% | 1,883 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,623 |
| Net charge-offs to loans | 0.2163% | 3,429 |
| Credit loss provision to net charge-offs | 141.7847% | 2,035 |
| Earnings coverage of net charge-offs (x) | 12.1048% | 2,028 |
| Efficiency ratio | 63.7356% | 4,849 |
| Assets per employee ($millions) | 4.5133% | 2,890 |
| Cash dividends to net income (ytd only)* | 58.6039% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 5,952 |
| Loan loss allowance to noncurrent loans | 98.7116% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 4,727 |
| Noncurrent loans to loans | 1.0489% | 4,343 |
| Net loans and leases to total assets | 72.5651% | 1,457 |
| Net loans and leases to deposits | 92.9041% | 881 |
| Net loans and leases to core deposits | 97.8701% | 1,273 |
| Total domestic deposits to total assets | 78.1076% | 6,053 |
| Equity capital to assets | 10.6332% | 3,689 |
| Core capital (leverage) ratio | 9.2330% | 4,696 |
| Tier 1 risk-based capital ratio | 11.9919% | 5,937 |
| Total risk-based capital ratio | 14.0931% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,801,296,000 | 386 |
| Average earning assets | $1,646,993,250 | 379 |
| Average equity | $184,934,500 | 397 |
| Average total loans | $1,305,656,000 | 337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 3,960 |
| Cost of funding earning assets | 0.5381% | 5,383 |
| Net interest margin | 3.9168% | 2,840 |
| Noninterest income to average assets | 1.9912% | 410 |
| Noninterest expense to average assets | 3.6875% | 1,397 |
| Loan and lease loss provision to assets | 0.2222% | 2,862 |
| Net operating income to assets | 1.0924% | 2,067 |
| Return on assets (ROA) | 1.1448% | 2,111 |
| Pretax return on assets | 1.7476% | 1,144 |
| Return on Equity (ROE) | 11.2842% | 1,886 |
| Retained earnings to average equity (ytd only) | 4.1769% | 3,830 |
| Net charge-offs to loans | 0.2483% | 3,091 |
| Credit loss provision to net charge-offs | 123.9480% | 2,213 |
| Earnings coverage of net charge-offs (x) | 10.5452% | 2,039 |
| Efficiency ratio | 63.3892% | 5,011 |
| Assets per employee ($millions) | 4.6582% | 2,626 |
| Cash dividends to net income (ytd only)* | 62.9845% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,108 |
| Loan loss allowance to noncurrent loans | 71.5764% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 4,289 |
| Noncurrent loans to loans | 1.4141% | 3,793 |
| Net loans and leases to total assets | 70.0204% | 1,916 |
| Net loans and leases to deposits | 89.7970% | 1,164 |
| Net loans and leases to core deposits | 95.9958% | 1,427 |
| Total domestic deposits to total assets | 77.9763% | 6,156 |
| Equity capital to assets | 10.2144% | 4,035 |
| Core capital (leverage) ratio | 9.1463% | 4,693 |
| Tier 1 risk-based capital ratio | 11.7757% | 6,073 |
| Total risk-based capital ratio | 14.3848% | 5,061 |
| Memoranda: | ||
| Average total assets | $1,802,957,670 | 388 |
| Average earning assets | $1,651,007,000 | 377 |
| Average equity | $182,911,000 | 404 |
| Average total loans | $1,301,830,330 | 340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 3,907 |
| Cost of funding earning assets | 0.5535% | 5,475 |
| Net interest margin | 3.9479% | 2,727 |
| Noninterest income to average assets | 1.9069% | 442 |
| Noninterest expense to average assets | 3.5890% | 1,580 |
| Loan and lease loss provision to assets | 0.2239% | 2,706 |
| Net operating income to assets | 1.1202% | 1,991 |
| Return on assets (ROA) | 1.1202% | 2,175 |
| Pretax return on assets | 1.7157% | 1,267 |
| Return on Equity (ROE) | 11.0811% | 1,992 |
| Retained earnings to average equity (ytd only) | 11.0811% | 1,007 |
| Net charge-offs to loans | 0.2188% | 2,831 |
| Credit loss provision to net charge-offs | 140.2525% | 1,751 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 1,624 |
| Efficiency ratio | 62.7227% | 5,147 |
| Assets per employee ($millions) | 4.8358% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,268 |
| Loan loss allowance to noncurrent loans | 57.8271% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 4,029 |
| Noncurrent loans to loans | 1.7210% | 3,530 |
| Net loans and leases to total assets | 71.3447% | 1,509 |
| Net loans and leases to deposits | 90.7176% | 896 |
| Net loans and leases to core deposits | 99.0462% | 1,048 |
| Total domestic deposits to total assets | 78.6449% | 6,160 |
| Equity capital to assets | 10.0979% | 4,008 |
| Core capital (leverage) ratio | 9.5807% | 3,945 |
| Tier 1 risk-based capital ratio | 12.1945% | 5,825 |
| Total risk-based capital ratio | 14.8043% | 4,771 |
| Memoranda: | ||
| Average total assets | $1,786,770,500 | 387 |
| Average earning assets | $1,639,136,000 | 375 |
| Average equity | $180,632,500 | 409 |
| Average total loans | $1,303,622,000 | 338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 4,087 |
| Cost of funding earning assets | 0.6633% | 5,752 |
| Net interest margin | 4.0747% | 2,548 |
| Noninterest income to average assets | 1.5987% | 528 |
| Noninterest expense to average assets | 3.4282% | 2,175 |
| Loan and lease loss provision to assets | 0.3530% | 2,886 |
| Net operating income to assets | 1.0495% | 2,007 |
| Return on assets (ROA) | 1.1173% | 1,890 |
| Pretax return on assets | 1.6570% | 1,088 |
| Return on Equity (ROE) | 11.4197% | 1,581 |
| Retained earnings to average equity (ytd only) | 6.3812% | 1,815 |
| Net charge-offs to loans | 0.2882% | 3,972 |
| Credit loss provision to net charge-offs | 168.6617% | 1,594 |
| Earnings coverage of net charge-offs (x) | 9.1194% | 2,035 |
| Efficiency ratio | 61.2843% | 5,565 |
| Assets per employee ($millions) | 4.8623% | 2,364 |
| Cash dividends to net income (ytd only)* | 44.1215% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,292 |
| Loan loss allowance to noncurrent loans | 88.9889% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 4,926 |
| Noncurrent loans to loans | 1.1050% | 4,502 |
| Net loans and leases to total assets | 73.1631% | 1,422 |
| Net loans and leases to deposits | 92.5290% | 919 |
| Net loans and leases to core deposits | 100.7468% | 1,115 |
| Total domestic deposits to total assets | 79.0704% | 5,982 |
| Equity capital to assets | 10.1214% | 4,009 |
| Core capital (leverage) ratio | 9.3666% | 4,231 |
| Tier 1 risk-based capital ratio | 11.7829% | 5,970 |
| Total risk-based capital ratio | 14.3676% | 4,953 |
| Memoranda: | ||
| Average total assets | $1,724,229,800 | 390 |
| Average earning assets | $1,581,895,400 | 374 |
| Average equity | $168,699,800 | 421 |
| Average total loans | $1,252,424,800 | 343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 4,248 |
| Cost of funding earning assets | 0.6767% | 5,898 |
| Net interest margin | 4.0699% | 2,602 |
| Noninterest income to average assets | 1.5356% | 559 |
| Noninterest expense to average assets | 3.3637% | 2,298 |
| Loan and lease loss provision to assets | 0.3909% | 2,514 |
| Net operating income to assets | 1.0325% | 2,207 |
| Return on assets (ROA) | 1.1070% | 2,086 |
| Pretax return on assets | 1.6269% | 1,313 |
| Return on Equity (ROE) | 11.4147% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.6064% | 3,442 |
| Net charge-offs to loans | 0.3924% | 3,153 |
| Credit loss provision to net charge-offs | 137.7498% | 2,314 |
| Earnings coverage of net charge-offs (x) | 6.7249% | 2,501 |
| Efficiency ratio | 60.9571% | 5,567 |
| Assets per employee ($millions) | 5.2659% | 1,851 |
| Cash dividends to net income (ytd only)* | 59.6449% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,574 |
| Loan loss allowance to noncurrent loans | 82.1051% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 4,955 |
| Noncurrent loans to loans | 1.1061% | 4,711 |
| Net loans and leases to total assets | 73.1729% | 1,472 |
| Net loans and leases to deposits | 93.7774% | 856 |
| Net loans and leases to core deposits | 103.5873% | 1,003 |
| Total domestic deposits to total assets | 78.0284% | 6,188 |
| Equity capital to assets | 10.2925% | 3,967 |
| Core capital (leverage) ratio | 9.1470% | 4,715 |
| Tier 1 risk-based capital ratio | 11.3244% | 6,345 |
| Total risk-based capital ratio | 13.8209% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,716,464,000 | 392 |
| Average earning assets | $1,575,747,500 | 380 |
| Average equity | $166,459,750 | 435 |
| Average total loans | $1,241,286,000 | 349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 4,268 |
| Cost of funding earning assets | 0.6718% | 6,116 |
| Net interest margin | 4.0830% | 2,480 |
| Noninterest income to average assets | 1.3997% | 650 |
| Noninterest expense to average assets | 3.2747% | 2,652 |
| Loan and lease loss provision to assets | 0.3749% | 2,547 |
| Net operating income to assets | 1.0011% | 2,226 |
| Return on assets (ROA) | 1.0847% | 2,010 |
| Pretax return on assets | 1.6275% | 1,206 |
| Return on Equity (ROE) | 11.4226% | 1,665 |
| Retained earnings to average equity (ytd only) | 0.9499% | 5,488 |
| Net charge-offs to loans | 0.3484% | 3,158 |
| Credit loss provision to net charge-offs | 149.8597% | 2,047 |
| Earnings coverage of net charge-offs (x) | 7.5056% | 2,212 |
| Efficiency ratio | 61.7350% | 5,624 |
| Assets per employee ($millions) | 5.1687% | 1,913 |
| Cash dividends to net income (ytd only)* | 91.6837% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,658 |
| Loan loss allowance to noncurrent loans | 70.4848% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 4,901 |
| Noncurrent loans to loans | 1.2776% | 4,531 |
| Net loans and leases to total assets | 72.5103% | 1,684 |
| Net loans and leases to deposits | 92.8745% | 962 |
| Net loans and leases to core deposits | 103.0280% | 1,116 |
| Total domestic deposits to total assets | 78.0734% | 6,273 |
| Equity capital to assets | 10.0829% | 4,038 |
| Core capital (leverage) ratio | 8.9390% | 4,825 |
| Tier 1 risk-based capital ratio | 11.0538% | 6,480 |
| Total risk-based capital ratio | 13.5558% | 5,495 |
| Memoranda: | ||
| Average total assets | $1,709,370,000 | 395 |
| Average earning assets | $1,570,982,670 | 387 |
| Average equity | $162,327,330 | 446 |
| Average total loans | $1,227,310,000 | 354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 4,684 |
| Cost of funding earning assets | 0.6414% | 6,419 |
| Net interest margin | 4.0216% | 2,601 |
| Noninterest income to average assets | 1.3164% | 742 |
| Noninterest expense to average assets | 3.2045% | 2,877 |
| Loan and lease loss provision to assets | 0.3017% | 2,747 |
| Net operating income to assets | 1.0091% | 2,157 |
| Return on assets (ROA) | 1.0851% | 1,936 |
| Pretax return on assets | 1.6383% | 1,107 |
| Return on Equity (ROE) | 11.7944% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.7944% | 767 |
| Net charge-offs to loans | 0.3008% | 2,844 |
| Credit loss provision to net charge-offs | 141.0538% | 1,993 |
| Earnings coverage of net charge-offs (x) | 8.5313% | 1,815 |
| Efficiency ratio | 62.4912% | 5,598 |
| Assets per employee ($millions) | 5.2955% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,769 |
| Loan loss allowance to noncurrent loans | 98.7665% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 5,361 |
| Noncurrent loans to loans | 0.8830% | 5,280 |
| Net loans and leases to total assets | 71.4256% | 1,830 |
| Net loans and leases to deposits | 91.4051% | 1,073 |
| Net loans and leases to core deposits | 101.5762% | 1,226 |
| Total domestic deposits to total assets | 78.1418% | 6,362 |
| Equity capital to assets | 9.3796% | 4,606 |
| Core capital (leverage) ratio | 9.2856% | 4,141 |
| Tier 1 risk-based capital ratio | 11.4497% | 6,146 |
| Total risk-based capital ratio | 13.9092% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,703,467,000 | 397 |
| Average earning assets | $1,572,822,000 | 389 |
| Average equity | $156,719,000 | 456 |
| Average total loans | $1,211,279,500 | 362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 4,873 |
| Cost of funding earning assets | 0.9118% | 6,122 |
| Net interest margin | 4.0190% | 2,929 |
| Noninterest income to average assets | 1.5916% | 576 |
| Noninterest expense to average assets | 3.8750% | 1,354 |
| Loan and lease loss provision to assets | 0.6944% | 2,366 |
| Net operating income to assets | 0.5153% | 4,020 |
| Return on assets (ROA) | 0.6297% | 3,697 |
| Pretax return on assets | 0.9348% | 3,148 |
| Return on Equity (ROE) | 7.5432% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.4069% | 3,482 |
| Net charge-offs to loans | 0.9864% | 2,213 |
| Credit loss provision to net charge-offs | 98.5104% | 4,696 |
| Earnings coverage of net charge-offs (x) | 2.0693% | 4,172 |
| Efficiency ratio | 71.1608% | 3,960 |
| Assets per employee ($millions) | 5.5416% | 1,541 |
| Cash dividends to net income (ytd only)* | 54.8344% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 6,844 |
| Loan loss allowance to noncurrent loans | 106.7865% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 5,579 |
| Noncurrent loans to loans | 0.8008% | 5,443 |
| Net loans and leases to total assets | 69.5692% | 2,641 |
| Net loans and leases to deposits | 88.4416% | 1,730 |
| Net loans and leases to core deposits | 99.2270% | 1,678 |
| Total domestic deposits to total assets | 78.6612% | 6,176 |
| Equity capital to assets | 9.0223% | 5,107 |
| Core capital (leverage) ratio | 8.6229% | 5,156 |
| Tier 1 risk-based capital ratio | 11.0465% | 6,294 |
| Total risk-based capital ratio | 13.4695% | 5,247 |
| Memoranda: | ||
| Average total assets | $1,419,164,400 | 476 |
| Average earning assets | $1,321,354,400 | 466 |
| Average equity | $118,464,200 | 573 |
| Average total loans | $1,014,056,800 | 442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 5,147 |
| Cost of funding earning assets | 0.9490% | 6,181 |
| Net interest margin | 3.9774% | 3,199 |
| Noninterest income to average assets | 1.5114% | 599 |
| Noninterest expense to average assets | 4.0393% | 1,004 |
| Loan and lease loss provision to assets | 0.8265% | 1,834 |
| Net operating income to assets | 0.2375% | 5,402 |
| Return on assets (ROA) | 0.3554% | 5,125 |
| Pretax return on assets | 0.5362% | 4,808 |
| Return on Equity (ROE) | 4.3694% | 4,609 |
| Retained earnings to average equity (ytd only) | -1.5994% | 6,116 |
| Net charge-offs to loans | 1.1676% | 1,748 |
| Credit loss provision to net charge-offs | 98.5006% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.4112% | 4,670 |
| Efficiency ratio | 75.2480% | 3,094 |
| Assets per employee ($millions) | 5.4533% | 1,671 |
| Cash dividends to net income (ytd only)* | 136.6043% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,832 |
| Loan loss allowance to noncurrent loans | 94.9120% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,692 |
| Noncurrent loans to loans | 0.9185% | 5,406 |
| Net loans and leases to total assets | 69.0353% | 2,975 |
| Net loans and leases to deposits | 92.4662% | 1,389 |
| Net loans and leases to core deposits | 103.7131% | 1,511 |
| Total domestic deposits to total assets | 74.6600% | 6,831 |
| Equity capital to assets | 8.8517% | 5,776 |
| Core capital (leverage) ratio | 8.2720% | 5,924 |
| Tier 1 risk-based capital ratio | 10.3696% | 6,846 |
| Total risk-based capital ratio | 12.7688% | 5,900 |
| Memoranda: | ||
| Average total assets | $1,345,863,500 | 496 |
| Average earning assets | $1,256,113,250 | 482 |
| Average equity | $109,456,500 | 603 |
| Average total loans | $967,182,000 | 461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 5,676 |
| Cost of funding earning assets | 0.9535% | 6,367 |
| Net interest margin | 3.8790% | 3,540 |
| Noninterest income to average assets | 1.5427% | 538 |
| Noninterest expense to average assets | 3.6209% | 1,730 |
| Loan and lease loss provision to assets | 0.6683% | 2,164 |
| Net operating income to assets | 0.5716% | 3,985 |
| Return on assets (ROA) | 0.7324% | 3,418 |
| Pretax return on assets | 1.1442% | 2,611 |
| Return on Equity (ROE) | 9.3868% | 2,323 |
| Retained earnings to average equity (ytd only) | -0.8321% | 5,932 |
| Net charge-offs to loans | 1.0470% | 1,789 |
| Credit loss provision to net charge-offs | 87.5693% | 4,496 |
| Earnings coverage of net charge-offs (x) | 2.0458% | 4,002 |
| Efficiency ratio | 67.9038% | 4,602 |
| Assets per employee ($millions) | 4.5314% | 2,825 |
| Cash dividends to net income (ytd only)* | 108.8647% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 5,990 |
| Loan loss allowance to noncurrent loans | 99.1137% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 5,243 |
| Noncurrent loans to loans | 1.0989% | 5,119 |
| Net loans and leases to total assets | 70.9446% | 2,673 |
| Net loans and leases to deposits | 92.9572% | 1,394 |
| Net loans and leases to core deposits | 105.4261% | 1,499 |
| Total domestic deposits to total assets | 76.3196% | 6,623 |
| Equity capital to assets | 8.6508% | 5,943 |
| Core capital (leverage) ratio | 9.2882% | 4,142 |
| Tier 1 risk-based capital ratio | 10.7156% | 6,515 |
| Total risk-based capital ratio | 13.7337% | 4,855 |
| Memoranda: | ||
| Average total assets | $1,229,157,330 | 542 |
| Average earning assets | $1,153,231,670 | 524 |
| Average equity | $95,900,670 | 689 |
| Average total loans | $895,868,000 | 500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 5,368 |
| Cost of funding earning assets | 0.9687% | 6,510 |
| Net interest margin | 3.9503% | 3,099 |
| Noninterest income to average assets | 1.5267% | 517 |
| Noninterest expense to average assets | 3.5898% | 1,762 |
| Loan and lease loss provision to assets | 1.0258% | 1,212 |
| Net operating income to assets | 0.3998% | 4,840 |
| Return on assets (ROA) | 0.7306% | 3,409 |
| Pretax return on assets | 1.1168% | 2,679 |
| Return on Equity (ROE) | 9.9236% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.9236% | 1,157 |
| Net charge-offs to loans | 1.7026% | 1,015 |
| Credit loss provision to net charge-offs | 81.9858% | 3,826 |
| Earnings coverage of net charge-offs (x) | 1.3058% | 3,967 |
| Efficiency ratio | 67.2029% | 4,879 |
| Assets per employee ($millions) | 4.4145% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 6,058 |
| Loan loss allowance to noncurrent loans | 141.6521% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 6,072 |
| Noncurrent loans to loans | 0.7680% | 5,790 |
| Net loans and leases to total assets | 73.4813% | 2,087 |
| Net loans and leases to deposits | 96.5370% | 1,040 |
| Net loans and leases to core deposits | 109.9658% | 1,272 |
| Total domestic deposits to total assets | 76.1172% | 6,737 |
| Equity capital to assets | 7.5013% | 7,075 |
| Core capital (leverage) ratio | 8.2828% | 5,773 |
| Tier 1 risk-based capital ratio | 9.3204% | 7,385 |
| Total risk-based capital ratio | 12.4075% | 5,968 |
| Memoranda: | ||
| Average total assets | $1,213,876,000 | 567 |
| Average earning assets | $1,136,003,000 | 545 |
| Average equity | $89,363,000 | 732 |
| Average total loans | $892,030,000 | 524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 5,746 |
| Cost of funding earning assets | 1.4503% | 5,723 |
| Net interest margin | 3.7292% | 4,004 |
| Noninterest income to average assets | 1.9121% | 405 |
| Noninterest expense to average assets | 3.7027% | 1,911 |
| Loan and lease loss provision to assets | 0.5856% | 3,449 |
| Net operating income to assets | 0.7397% | 2,774 |
| Return on assets (ROA) | 0.8460% | 2,451 |
| Pretax return on assets | 1.2932% | 1,712 |
| Return on Equity (ROE) | 11.9441% | 1,178 |
| Retained earnings to average equity (ytd only) | 10.4981% | 325 |
| Net charge-offs to loans | 0.7610% | 2,920 |
| Credit loss provision to net charge-offs | 101.3545% | 5,446 |
| Earnings coverage of net charge-offs (x) | 2.9689% | 3,594 |
| Efficiency ratio | 67.2162% | 5,143 |
| Assets per employee ($millions) | 4.7204% | 2,588 |
| Cash dividends to net income (ytd only)* | 12.1066% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,519 |
| Loan loss allowance to noncurrent loans | 150.7666% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 5,843 |
| Noncurrent loans to loans | 0.7780% | 5,715 |
| Net loans and leases to total assets | 71.8416% | 2,792 |
| Net loans and leases to deposits | 93.1907% | 1,710 |
| Net loans and leases to core deposits | 104.1706% | 3,557 |
| Total domestic deposits to total assets | 77.0909% | 6,453 |
| Equity capital to assets | 7.2243% | 7,246 |
| Core capital (leverage) ratio | 8.0265% | 6,128 |
| Tier 1 risk-based capital ratio | 9.0623% | 7,444 |
| Total risk-based capital ratio | 12.1975% | 5,939 |
| Memoranda: | ||
| Average total assets | $1,175,567,200 | 569 |
| Average earning assets | $1,105,200,200 | 548 |
| Average equity | $83,263,000 | 775 |
| Average total loans | $892,561,400 | 537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 5,786 |
| Cost of funding earning assets | 1.5571% | 5,603 |
| Net interest margin | 3.6665% | 4,216 |
| Noninterest income to average assets | 2.0456% | 350 |
| Noninterest expense to average assets | 3.7018% | 1,817 |
| Loan and lease loss provision to assets | 0.6395% | 2,838 |
| Net operating income to assets | 0.7575% | 2,995 |
| Return on assets (ROA) | 0.8574% | 2,651 |
| Pretax return on assets | 1.3064% | 1,942 |
| Return on Equity (ROE) | 12.1691% | 1,314 |
| Retained earnings to average equity (ytd only) | 10.2114% | 595 |
| Net charge-offs to loans | 0.8379% | 2,285 |
| Credit loss provision to net charge-offs | 99.4123% | 5,142 |
| Earnings coverage of net charge-offs (x) | 2.7897% | 3,824 |
| Efficiency ratio | 65.9434% | 5,374 |
| Assets per employee ($millions) | 4.6270% | 2,664 |
| Cash dividends to net income (ytd only)* | 16.0876% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,378 |
| Loan loss allowance to noncurrent loans | 151.7460% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 5,722 |
| Noncurrent loans to loans | 0.7621% | 5,784 |
| Net loans and leases to total assets | 74.6096% | 2,337 |
| Net loans and leases to deposits | 97.5009% | 1,383 |
| Net loans and leases to core deposits | 112.4723% | 2,974 |
| Total domestic deposits to total assets | 76.5219% | 6,467 |
| Equity capital to assets | 7.3447% | 7,399 |
| Core capital (leverage) ratio | 7.9790% | 6,397 |
| Tier 1 risk-based capital ratio | 8.9063% | 7,653 |
| Total risk-based capital ratio | 12.0571% | 6,114 |
| Memoranda: | ||
| Average total assets | $1,163,813,500 | 587 |
| Average earning assets | $1,095,286,750 | 567 |
| Average equity | $81,998,000 | 795 |
| Average total loans | $893,515,250 | 551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 5,756 |
| Cost of funding earning assets | 1.6480% | 5,524 |
| Net interest margin | 3.6292% | 4,253 |
| Noninterest income to average assets | 2.2311% | 316 |
| Noninterest expense to average assets | 3.8671% | 1,544 |
| Loan and lease loss provision to assets | 0.5658% | 2,756 |
| Net operating income to assets | 0.7888% | 2,895 |
| Return on assets (ROA) | 0.8418% | 2,787 |
| Pretax return on assets | 1.2867% | 2,062 |
| Return on Equity (ROE) | 12.1227% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.1293% | 906 |
| Net charge-offs to loans | 0.7197% | 2,257 |
| Credit loss provision to net charge-offs | 101.8018% | 4,493 |
| Earnings coverage of net charge-offs (x) | 3.1867% | 3,531 |
| Efficiency ratio | 66.9351% | 5,378 |
| Assets per employee ($millions) | 4.5194% | 2,739 |
| Cash dividends to net income (ytd only)* | 24.6924% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,115 |
| Loan loss allowance to noncurrent loans | 283.9574% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 6,268 |
| Noncurrent loans to loans | 0.4137% | 6,474 |
| Net loans and leases to total assets | 73.8189% | 2,753 |
| Net loans and leases to deposits | 97.2681% | 1,632 |
| Net loans and leases to core deposits | 114.1307% | 2,895 |
| Total domestic deposits to total assets | 75.8923% | 6,575 |
| Equity capital to assets | 7.0099% | 7,615 |
| Core capital (leverage) ratio | 7.7198% | 6,724 |
| Tier 1 risk-based capital ratio | 8.7085% | 7,811 |
| Total risk-based capital ratio | 11.8877% | 6,179 |
| Memoranda: | ||
| Average total assets | $1,158,453,670 | 597 |
| Average earning assets | $1,087,526,330 | 584 |
| Average equity | $80,444,000 | 820 |
| Average total loans | $894,483,000 | 560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 5,595 |
| Cost of funding earning assets | 1.7425% | 5,402 |
| Net interest margin | 3.6223% | 4,226 |
| Noninterest income to average assets | 2.1183% | 327 |
| Noninterest expense to average assets | 3.7946% | 1,482 |
| Loan and lease loss provision to assets | 0.5558% | 2,256 |
| Net operating income to assets | 0.7570% | 3,316 |
| Return on assets (ROA) | 0.8642% | 3,012 |
| Pretax return on assets | 1.3222% | 2,207 |
| Return on Equity (ROE) | 12.5057% | 1,513 |
| Retained earnings to average equity (ytd only) | 6.4221% | 2,452 |
| Net charge-offs to loans | 0.7947% | 1,624 |
| Credit loss provision to net charge-offs | 89.0879% | 4,027 |
| Earnings coverage of net charge-offs (x) | 2.7459% | 3,391 |
| Efficiency ratio | 66.3645% | 5,253 |
| Assets per employee ($millions) | 4.3245% | 3,023 |
| Cash dividends to net income (ytd only)* | 48.6465% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,257 |
| Loan loss allowance to noncurrent loans | 253.7422% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 6,106 |
| Noncurrent loans to loans | 0.4457% | 6,310 |
| Net loans and leases to total assets | 76.7538% | 2,101 |
| Net loans and leases to deposits | 99.8055% | 1,438 |
| Net loans and leases to core deposits | 116.7672% | 2,709 |
| Total domestic deposits to total assets | 76.9034% | 6,303 |
| Equity capital to assets | 6.9137% | 7,717 |
| Core capital (leverage) ratio | 7.6822% | 6,910 |
| Tier 1 risk-based capital ratio | 8.5594% | 7,934 |
| Total risk-based capital ratio | 11.0150% | 7,090 |
| Memoranda: | ||
| Average total assets | $1,145,634,000 | 606 |
| Average earning assets | $1,072,037,000 | 592 |
| Average equity | $79,164,000 | 831 |
| Average total loans | $899,487,000 | 562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 5,197 |
| Cost of funding earning assets | 2.1616% | 5,773 |
| Net interest margin | 3.9100% | 3,513 |
| Noninterest income to average assets | 1.7912% | 420 |
| Noninterest expense to average assets | 3.5390% | 2,293 |
| Loan and lease loss provision to assets | 0.5277% | 2,704 |
| Net operating income to assets | 0.8309% | 3,302 |
| Return on assets (ROA) | 0.8450% | 3,077 |
| Pretax return on assets | 1.2949% | 2,325 |
| Return on Equity (ROE) | 10.6010% | 2,049 |
| Retained earnings to average equity (ytd only) | -2.8475% | 6,066 |
| Net charge-offs to loans | 0.3969% | 2,829 |
| Credit loss provision to net charge-offs | 165.1712% | 3,116 |
| Earnings coverage of net charge-offs (x) | 5.6370% | 3,576 |
| Efficiency ratio | 64.4463% | 5,464 |
| Assets per employee ($millions) | 4.2254% | 3,070 |
| Cash dividends to net income (ytd only)* | 126.8608% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 4,962 |
| Loan loss allowance to noncurrent loans | 177.8926% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 5,650 |
| Noncurrent loans to loans | 0.6435% | 5,436 |
| Net loans and leases to total assets | 78.5020% | 2,001 |
| Net loans and leases to deposits | 102.5036% | 1,533 |
| Net loans and leases to core deposits | 125.3512% | 2,223 |
| Total domestic deposits to total assets | 76.5846% | 6,101 |
| Equity capital to assets | 6.9064% | 7,773 |
| Core capital (leverage) ratio | 7.6990% | 6,934 |
| Tier 1 risk-based capital ratio | 8.4927% | 7,992 |
| Total risk-based capital ratio | 10.9825% | 6,950 |
| Memoranda: | ||
| Average total assets | $1,060,442,200 | 628 |
| Average earning assets | $962,452,800 | 623 |
| Average equity | $84,529,600 | 789 |
| Average total loans | $853,550,400 | 570 |