Home > The Central Trust Bank > Performance and Condition Ratios
The Central Trust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 3,079 |
| Cost of funding earning assets | 1.2139% | 2,767 |
| Net interest margin | 3.2997% | 2,634 |
| Noninterest income to average assets | 1.1600% | 516 |
| Noninterest expense to average assets | 2.4003% | 2,592 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3677% | 1,283 |
| Return on assets (ROA) | 1.2892% | 1,425 |
| Pretax return on assets | 1.6681% | 1,123 |
| Return on Equity (ROE) | 15.9000% | 1,116 |
| Retained earnings to average equity (ytd only) | -5.9984% | 4,411 |
| Net charge-offs to loans | 0.1233% | 794 |
| Credit loss provision to net charge-offs | 122.3944% | 1,657 |
| Earnings coverage of net charge-offs (x) | 24.8640% | 1,744 |
| Efficiency ratio | 55.9865% | 3,500 |
| Assets per employee ($millions) | 6.6691% | 2,290 |
| Cash dividends to net income (ytd only)* | 137.7297% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,593 |
| Loan loss allowance to noncurrent loans | 751.4270% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 2,655 |
| Noncurrent loans to loans | 0.1790% | 2,622 |
| Net loans and leases to total assets | 59.7500% | 2,869 |
| Net loans and leases to deposits | 75.3316% | 2,518 |
| Net loans and leases to core deposits | 77.7668% | 2,855 |
| Total domestic deposits to total assets | 79.3100% | 3,566 |
| Equity capital to assets | 8.4065% | 3,115 |
| Core capital (leverage) ratio | 8.1587% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4849% | 2,072 |
| Memoranda: | ||
| Average total assets | $18,867,358,000 | 98 |
| Average earning assets | $17,690,270,200 | 96 |
| Average equity | $1,529,902,600 | 117 |
| Average total loans | $11,408,772,000 | 111 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 3,036 |
| Cost of funding earning assets | 1.1379% | 2,632 |
| Net interest margin | 3.2948% | 2,693 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.3617% | 2,624 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4070% | 1,303 |
| Return on assets (ROA) | 1.4112% | 1,279 |
| Pretax return on assets | 1.8248% | 975 |
| Return on Equity (ROE) | 17.5700% | 999 |
| Retained earnings to average equity (ytd only) | -7.5473% | 4,474 |
| Net charge-offs to loans | 0.0830% | 896 |
| Credit loss provision to net charge-offs | 155.5007% | 1,300 |
| Earnings coverage of net charge-offs (x) | 37.7096% | 1,482 |
| Efficiency ratio | 55.0727% | 3,482 |
| Assets per employee ($millions) | 6.5522% | 2,286 |
| Cash dividends to net income (ytd only)* | 142.9639% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,623 |
| Loan loss allowance to noncurrent loans | 784.4021% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,665 |
| Noncurrent loans to loans | 0.1733% | 2,673 |
| Net loans and leases to total assets | 60.9200% | 2,759 |
| Net loans and leases to deposits | 76.6629% | 2,365 |
| Net loans and leases to core deposits | 78.9645% | 2,677 |
| Total domestic deposits to total assets | 79.4700% | 3,611 |
| Equity capital to assets | 8.0513% | 3,022 |
| Core capital (leverage) ratio | 8.1781% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4070% | 2,112 |
| Memoranda: | ||
| Average total assets | $18,834,100,000 | 99 |
| Average earning assets | $17,654,086,500 | 96 |
| Average equity | $1,513,060,000 | 120 |
| Average total loans | $11,384,229,250 | 112 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 3,061 |
| Cost of funding earning assets | 1.0389% | 2,484 |
| Net interest margin | 3.2792% | 2,798 |
| Noninterest income to average assets | 1.1500% | 468 |
| Noninterest expense to average assets | 2.3296% | 2,717 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4122% | 1,297 |
| Return on assets (ROA) | 1.4199% | 1,264 |
| Pretax return on assets | 1.8361% | 954 |
| Return on Equity (ROE) | 17.6900% | 987 |
| Retained earnings to average equity (ytd only) | -13.2349% | 4,548 |
| Net charge-offs to loans | 0.0745% | 827 |
| Credit loss provision to net charge-offs | 170.5577% | 1,122 |
| Earnings coverage of net charge-offs (x) | 42.4379% | 1,375 |
| Efficiency ratio | 54.6758% | 3,555 |
| Assets per employee ($millions) | 6.4276% | 2,355 |
| Cash dividends to net income (ytd only)* | 174.8278% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,706 |
| Loan loss allowance to noncurrent loans | 686.0045% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,495 |
| Noncurrent loans to loans | 0.1970% | 2,480 |
| Net loans and leases to total assets | 60.5700% | 2,718 |
| Net loans and leases to deposits | 76.1148% | 2,305 |
| Net loans and leases to core deposits | 78.1755% | 2,599 |
| Total domestic deposits to total assets | 79.5700% | 3,638 |
| Equity capital to assets | 7.9337% | 3,257 |
| Core capital (leverage) ratio | 8.0180% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1465% | 2,236 |
| Memoranda: | ||
| Average total assets | $18,933,420,667 | 96 |
| Average earning assets | $17,758,668,000 | 94 |
| Average equity | $1,519,946,000 | 117 |
| Average total loans | $11,362,864,333 | 111 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 3,047 |
| Cost of funding earning assets | 0.9090% | 2,344 |
| Net interest margin | 3.2897% | 2,904 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 2.2435% | 2,973 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4442% | 1,301 |
| Return on assets (ROA) | 1.4601% | 1,235 |
| Pretax return on assets | 1.8892% | 924 |
| Return on Equity (ROE) | 18.0800% | 1,020 |
| Retained earnings to average equity (ytd only) | -24.7585% | 4,622 |
| Net charge-offs to loans | 0.0752% | 699 |
| Credit loss provision to net charge-offs | 177.2194% | 875 |
| Earnings coverage of net charge-offs (x) | 43.4016% | 1,155 |
| Efficiency ratio | 53.2233% | 3,685 |
| Assets per employee ($millions) | 6.6586% | 2,228 |
| Cash dividends to net income (ytd only)* | 236.9022% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,839 |
| Loan loss allowance to noncurrent loans | 628.1108% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,449 |
| Noncurrent loans to loans | 0.2141% | 2,404 |
| Net loans and leases to total assets | 59.6500% | 2,699 |
| Net loans and leases to deposits | 74.7259% | 2,237 |
| Net loans and leases to core deposits | 76.2294% | 2,512 |
| Total domestic deposits to total assets | 79.8300% | 3,782 |
| Equity capital to assets | 8.0544% | 3,205 |
| Core capital (leverage) ratio | 7.9163% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1261% | 2,345 |
| Memoranda: | ||
| Average total assets | $19,080,134,000 | 99 |
| Average earning assets | $17,915,059,500 | 94 |
| Average equity | $1,540,495,000 | 118 |
| Average total loans | $11,322,137,500 | 114 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 3,665 |
| Cost of funding earning assets | 0.3341% | 2,597 |
| Net interest margin | 2.9353% | 3,601 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 2.1399% | 3,194 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3160% | 1,376 |
| Return on assets (ROA) | 1.3140% | 1,346 |
| Pretax return on assets | 1.6970% | 922 |
| Return on Equity (ROE) | 15.3100% | 1,183 |
| Retained earnings to average equity (ytd only) | 0.5224% | 4,268 |
| Net charge-offs to loans | 0.0784% | 863 |
| Credit loss provision to net charge-offs | 161.8862% | 1,255 |
| Earnings coverage of net charge-offs (x) | 41.1328% | 1,488 |
| Efficiency ratio | 54.2838% | 3,773 |
| Assets per employee ($millions) | 6.8257% | 2,095 |
| Cash dividends to net income (ytd only)* | 96.5889% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,497 |
| Loan loss allowance to noncurrent loans | 684.0392% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 2,522 |
| Noncurrent loans to loans | 0.2049% | 2,470 |
| Net loans and leases to total assets | 57.4300% | 2,878 |
| Net loans and leases to deposits | 70.8170% | 2,511 |
| Net loans and leases to core deposits | 71.9415% | 2,729 |
| Total domestic deposits to total assets | 81.0900% | 3,744 |
| Equity capital to assets | 8.0928% | 3,000 |
| Core capital (leverage) ratio | 8.3089% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8371% | 2,037 |
| Memoranda: | ||
| Average total assets | $19,697,563,800 | 102 |
| Average earning assets | $18,565,802,000 | 99 |
| Average equity | $1,690,160,000 | 114 |
| Average total loans | $10,812,111,800 | 113 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 3,787 |
| Cost of funding earning assets | 0.2225% | 3,014 |
| Net interest margin | 2.8307% | 3,666 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.1209% | 3,159 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2705% | 1,456 |
| Return on assets (ROA) | 1.2632% | 1,443 |
| Pretax return on assets | 1.6337% | 1,041 |
| Return on Equity (ROE) | 14.5200% | 1,284 |
| Retained earnings to average equity (ytd only) | 0.1969% | 4,310 |
| Net charge-offs to loans | 0.0490% | 993 |
| Credit loss provision to net charge-offs | 242.5337% | 908 |
| Earnings coverage of net charge-offs (x) | 64.4716% | 1,137 |
| Efficiency ratio | 54.9396% | 3,732 |
| Assets per employee ($millions) | 7.2049% | 1,806 |
| Cash dividends to net income (ytd only)* | 98.6440% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,500 |
| Loan loss allowance to noncurrent loans | 649.6834% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,547 |
| Noncurrent loans to loans | 0.2205% | 2,509 |
| Net loans and leases to total assets | 55.9000% | 2,911 |
| Net loans and leases to deposits | 68.8075% | 2,475 |
| Net loans and leases to core deposits | 69.8608% | 2,652 |
| Total domestic deposits to total assets | 81.2400% | 3,944 |
| Equity capital to assets | 7.9823% | 2,907 |
| Core capital (leverage) ratio | 8.2102% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1931% | 1,977 |
| Memoranda: | ||
| Average total assets | $19,794,484,750 | 103 |
| Average earning assets | $18,683,032,750 | 100 |
| Average equity | $1,722,023,000 | 112 |
| Average total loans | $10,703,484,250 | 114 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8399% | 3,916 |
| Cost of funding earning assets | 0.1417% | 3,687 |
| Net interest margin | 2.6982% | 3,701 |
| Noninterest income to average assets | 1.1725% | 495 |
| Noninterest expense to average assets | 2.0775% | 3,213 |
| Loan and lease loss provision to assets | 0.0526% | 1,638 |
| Net operating income to assets | 1.2307% | 1,328 |
| Return on assets (ROA) | 1.2221% | 1,346 |
| Pretax return on assets | 1.5815% | 986 |
| Return on Equity (ROE) | 13.6809% | 1,194 |
| Retained earnings to average equity (ytd only) | 0.1872% | 4,153 |
| Net charge-offs to loans | 0.0273% | 1,176 |
| Credit loss provision to net charge-offs | 361.7830% | 730 |
| Earnings coverage of net charge-offs (x) | 113.1693% | 762 |
| Efficiency ratio | 55.3342% | 3,842 |
| Assets per employee ($millions) | 7.0350% | 1,915 |
| Cash dividends to net income (ytd only)* | 98.6315% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,603 |
| Loan loss allowance to noncurrent loans | 616.4640% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,618 |
| Noncurrent loans to loans | 0.2333% | 2,551 |
| Net loans and leases to total assets | 54.5813% | 2,903 |
| Net loans and leases to deposits | 67.5983% | 2,425 |
| Net loans and leases to core deposits | 68.6408% | 2,593 |
| Total domestic deposits to total assets | 80.7436% | 4,164 |
| Equity capital to assets | 8.5092% | 2,757 |
| Core capital (leverage) ratio | 8.0532% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3951% | 1,903 |
| Memoranda: | ||
| Average total assets | $19,910,595,667 | 102 |
| Average earning assets | $18,815,683,667 | 98 |
| Average equity | $1,778,615,333 | 112 |
| Average total loans | $10,595,325,000 | 113 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6789% | 3,985 |
| Cost of funding earning assets | 0.1087% | 4,037 |
| Net interest margin | 2.5702% | 3,736 |
| Noninterest income to average assets | 1.1384% | 529 |
| Noninterest expense to average assets | 2.0086% | 3,405 |
| Loan and lease loss provision to assets | 0.0275% | 1,874 |
| Net operating income to assets | 1.1830% | 1,288 |
| Return on assets (ROA) | 1.1839% | 1,286 |
| Pretax return on assets | 1.5368% | 944 |
| Return on Equity (ROE) | 12.9525% | 1,044 |
| Retained earnings to average equity (ytd only) | 2.0459% | 3,525 |
| Net charge-offs to loans | 0.0282% | 1,037 |
| Credit loss provision to net charge-offs | 186.9742% | 796 |
| Earnings coverage of net charge-offs (x) | 106.3840% | 656 |
| Efficiency ratio | 55.7424% | 3,903 |
| Assets per employee ($millions) | 7.1784% | 1,872 |
| Cash dividends to net income (ytd only)* | 84.2049% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,716 |
| Loan loss allowance to noncurrent loans | 701.0950% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 2,830 |
| Noncurrent loans to loans | 0.2067% | 2,790 |
| Net loans and leases to total assets | 52.3515% | 2,954 |
| Net loans and leases to deposits | 65.3988% | 2,393 |
| Net loans and leases to core deposits | 66.4822% | 2,584 |
| Total domestic deposits to total assets | 80.0497% | 4,289 |
| Equity capital to assets | 8.8429% | 2,848 |
| Core capital (leverage) ratio | 7.9956% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8973% | 1,839 |
| Memoranda: | ||
| Average total assets | $20,062,655,000 | 102 |
| Average earning assets | $18,995,100,500 | 100 |
| Average equity | $1,833,747,500 | 114 |
| Average total loans | $10,464,167,000 | 113 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 4,138 |
| Cost of funding earning assets | 0.1199% | 4,221 |
| Net interest margin | 2.7246% | 3,831 |
| Noninterest income to average assets | 1.4358% | 546 |
| Noninterest expense to average assets | 2.2395% | 2,970 |
| Loan and lease loss provision to assets | 0.0319% | 2,410 |
| Net operating income to assets | 1.3317% | 1,511 |
| Return on assets (ROA) | 1.3374% | 1,524 |
| Pretax return on assets | 1.7365% | 1,055 |
| Return on Equity (ROE) | 13.7832% | 1,249 |
| Retained earnings to average equity (ytd only) | 9.2431% | 1,119 |
| Net charge-offs to loans | 0.0406% | 1,447 |
| Credit loss provision to net charge-offs | 145.8126% | 1,510 |
| Earnings coverage of net charge-offs (x) | 80.6128% | 994 |
| Efficiency ratio | 55.4617% | 3,758 |
| Assets per employee ($millions) | 7.6496% | 1,525 |
| Cash dividends to net income (ytd only)* | 32.9392% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,663 |
| Loan loss allowance to noncurrent loans | 661.9478% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 2,914 |
| Noncurrent loans to loans | 0.2220% | 2,854 |
| Net loans and leases to total assets | 50.4586% | 3,228 |
| Net loans and leases to deposits | 63.2418% | 2,760 |
| Net loans and leases to core deposits | 64.3055% | 2,953 |
| Total domestic deposits to total assets | 79.7867% | 4,242 |
| Equity capital to assets | 9.4318% | 3,200 |
| Core capital (leverage) ratio | 8.1467% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0883% | 1,817 |
| Memoranda: | ||
| Average total assets | $19,294,266,400 | 103 |
| Average earning assets | $18,161,647,800 | 101 |
| Average equity | $1,872,212,400 | 117 |
| Average total loans | $10,381,598,400 | 116 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2116% | 4,709 |
| Cost of funding earning assets | 0.1275% | 4,279 |
| Net interest margin | 2.0840% | 4,632 |
| Noninterest income to average assets | 3.2142% | 182 |
| Noninterest expense to average assets | 3.5046% | 457 |
| Loan and lease loss provision to assets | 0.0318% | 2,358 |
| Net operating income to assets | 1.2716% | 1,914 |
| Return on assets (ROA) | 1.3021% | 1,879 |
| Pretax return on assets | 1.6800% | 1,455 |
| Return on Equity (ROE) | 17.7008% | 663 |
| Retained earnings to average equity (ytd only) | 0.0444% | 4,556 |
| Net charge-offs to loans | 0.0032% | 2,229 |
| Credit loss provision to net charge-offs | 2,681.2500% | 260 |
| Earnings coverage of net charge-offs (x) | 1,409.0000% | 115 |
| Efficiency ratio | 67.5833% | 1,888 |
| Assets per employee ($millions) | 4.7825% | 3,897 |
| Cash dividends to net income (ytd only)* | 99.7492% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,696 |
| Loan loss allowance to noncurrent loans | 680.6452% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,553 |
| Noncurrent loans to loans | 0.2181% | 3,076 |
| Net loans and leases to total assets | 36.2064% | 4,379 |
| Net loans and leases to deposits | 53.9028% | 3,745 |
| Net loans and leases to core deposits | 54.7205% | 3,867 |
| Total domestic deposits to total assets | 67.1698% | 4,787 |
| Equity capital to assets | 7.1157% | 4,786 |
| Core capital (leverage) ratio | 6.6296% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0697% | 1,948 |
| Memoranda: | ||
| Average total assets | $3,592,837,250 | 327 |
| Average earning assets | $3,385,251,750 | 320 |
| Average equity | $264,298,000 | 430 |
| Average total loans | $1,321,503,500 | 524 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1988% | 4,762 |
| Cost of funding earning assets | 0.1291% | 4,359 |
| Net interest margin | 2.0697% | 4,670 |
| Noninterest income to average assets | 3.3068% | 165 |
| Noninterest expense to average assets | 3.6336% | 394 |
| Loan and lease loss provision to assets | 0.0443% | 2,130 |
| Net operating income to assets | 1.2227% | 2,100 |
| Return on assets (ROA) | 1.2650% | 2,048 |
| Pretax return on assets | 1.6316% | 1,650 |
| Return on Equity (ROE) | 17.0084% | 781 |
| Retained earnings to average equity (ytd only) | 9.4949% | 1,557 |
| Net charge-offs to loans | -0.0506% | 4,381 |
| Credit loss provision to net charge-offs | -238.1381% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0324% | 1,755 |
| Assets per employee ($millions) | 4.7426% | 3,891 |
| Cash dividends to net income (ytd only)* | 44.1755% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,474 |
| Loan loss allowance to noncurrent loans | 666.2475% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,647 |
| Noncurrent loans to loans | 0.2304% | 3,132 |
| Net loans and leases to total assets | 34.7819% | 4,509 |
| Net loans and leases to deposits | 52.7909% | 3,946 |
| Net loans and leases to core deposits | 53.5859% | 4,043 |
| Total domestic deposits to total assets | 65.8862% | 4,822 |
| Equity capital to assets | 7.3611% | 4,777 |
| Core capital (leverage) ratio | 6.6937% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4509% | 1,484 |
| Memoranda: | ||
| Average total assets | $3,578,882,333 | 326 |
| Average earning assets | $3,370,520,000 | 316 |
| Average equity | $266,185,667 | 425 |
| Average total loans | $1,316,728,667 | 530 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1958% | 4,795 |
| Cost of funding earning assets | 0.1353% | 4,412 |
| Net interest margin | 2.0605% | 4,699 |
| Noninterest income to average assets | 3.4487% | 172 |
| Noninterest expense to average assets | 3.7151% | 363 |
| Loan and lease loss provision to assets | 0.0734% | 1,712 |
| Net operating income to assets | 1.2421% | 2,002 |
| Return on assets (ROA) | 1.3186% | 1,850 |
| Pretax return on assets | 1.7004% | 1,488 |
| Return on Equity (ROE) | 17.6327% | 765 |
| Retained earnings to average equity (ytd only) | 2.4006% | 3,930 |
| Net charge-offs to loans | -0.0773% | 4,555 |
| Credit loss provision to net charge-offs | -252.5490% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8003% | 1,835 |
| Assets per employee ($millions) | 4.5936% | 4,021 |
| Cash dividends to net income (ytd only)* | 86.3856% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,666 |
| Loan loss allowance to noncurrent loans | 578.3556% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 3,684 |
| Noncurrent loans to loans | 0.2563% | 3,186 |
| Net loans and leases to total assets | 37.3994% | 4,437 |
| Net loans and leases to deposits | 55.2173% | 3,848 |
| Net loans and leases to core deposits | 56.0123% | 3,974 |
| Total domestic deposits to total assets | 67.7313% | 4,810 |
| Equity capital to assets | 7.4213% | 4,737 |
| Core capital (leverage) ratio | 6.9903% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5734% | 1,718 |
| Memoranda: | ||
| Average total assets | $3,511,595,500 | 329 |
| Average earning assets | $3,311,979,000 | 320 |
| Average equity | $262,603,000 | 425 |
| Average total loans | $1,319,220,000 | 530 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5986% | 4,824 |
| Cost of funding earning assets | 0.2759% | 4,270 |
| Net interest margin | 2.3227% | 4,706 |
| Noninterest income to average assets | 3.3680% | 166 |
| Noninterest expense to average assets | 3.4454% | 749 |
| Loan and lease loss provision to assets | 0.1172% | 2,890 |
| Net operating income to assets | 1.5464% | 718 |
| Return on assets (ROA) | 1.5284% | 812 |
| Pretax return on assets | 1.9677% | 486 |
| Return on Equity (ROE) | 20.8001% | 200 |
| Retained earnings to average equity (ytd only) | 17.6062% | 96 |
| Net charge-offs to loans | 0.1228% | 1,269 |
| Credit loss provision to net charge-offs | 247.2607% | 1,951 |
| Earnings coverage of net charge-offs (x) | 44.4568% | 1,302 |
| Efficiency ratio | 61.9385% | 3,147 |
| Assets per employee ($millions) | 4.6296% | 3,782 |
| Cash dividends to net income (ytd only)* | 15.3550% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,702 |
| Loan loss allowance to noncurrent loans | 463.7229% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,681 |
| Noncurrent loans to loans | 0.3164% | 3,068 |
| Net loans and leases to total assets | 36.6218% | 4,572 |
| Net loans and leases to deposits | 53.3858% | 4,142 |
| Net loans and leases to core deposits | 54.1371% | 4,251 |
| Total domestic deposits to total assets | 68.5984% | 4,801 |
| Equity capital to assets | 7.5359% | 4,836 |
| Core capital (leverage) ratio | 7.1109% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0100% | 1,523 |
| Memoranda: | ||
| Average total assets | $3,195,690,600 | 326 |
| Average earning assets | $3,006,136,600 | 318 |
| Average equity | $234,825,800 | 444 |
| Average total loans | $1,234,143,200 | 534 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7196% | 4,856 |
| Cost of funding earning assets | 0.3191% | 4,222 |
| Net interest margin | 2.4004% | 4,722 |
| Noninterest income to average assets | 3.3234% | 164 |
| Noninterest expense to average assets | 3.4127% | 789 |
| Loan and lease loss provision to assets | 0.1104% | 2,938 |
| Net operating income to assets | 1.6030% | 721 |
| Return on assets (ROA) | 1.5325% | 921 |
| Pretax return on assets | 1.9709% | 545 |
| Return on Equity (ROE) | 21.0053% | 206 |
| Retained earnings to average equity (ytd only) | 16.6166% | 135 |
| Net charge-offs to loans | 0.0635% | 1,698 |
| Credit loss provision to net charge-offs | 445.8621% | 1,375 |
| Earnings coverage of net charge-offs (x) | 87.6603% | 867 |
| Efficiency ratio | 61.0147% | 3,215 |
| Assets per employee ($millions) | 4.7204% | 3,572 |
| Cash dividends to net income (ytd only)* | 20.8931% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,549 |
| Loan loss allowance to noncurrent loans | 396.6005% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,690 |
| Noncurrent loans to loans | 0.3648% | 2,978 |
| Net loans and leases to total assets | 37.5957% | 4,623 |
| Net loans and leases to deposits | 55.0090% | 4,296 |
| Net loans and leases to core deposits | 55.9293% | 4,385 |
| Total domestic deposits to total assets | 68.3446% | 4,804 |
| Equity capital to assets | 7.3372% | 4,892 |
| Core capital (leverage) ratio | 6.6386% | 4,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0012% | 1,831 |
| Memoranda: | ||
| Average total assets | $3,123,082,250 | 324 |
| Average earning assets | $2,940,098,250 | 315 |
| Average equity | $227,854,500 | 446 |
| Average total loans | $1,218,756,500 | 535 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9075% | 4,879 |
| Cost of funding earning assets | 0.3887% | 4,085 |
| Net interest margin | 2.5188% | 4,727 |
| Noninterest income to average assets | 2.8344% | 180 |
| Noninterest expense to average assets | 3.3349% | 941 |
| Loan and lease loss provision to assets | 0.0941% | 3,095 |
| Net operating income to assets | 1.3881% | 1,142 |
| Return on assets (ROA) | 1.2884% | 1,503 |
| Pretax return on assets | 1.6459% | 1,114 |
| Return on Equity (ROE) | 17.6971% | 399 |
| Retained earnings to average equity (ytd only) | 10.8964% | 619 |
| Net charge-offs to loans | 0.0778% | 1,467 |
| Credit loss provision to net charge-offs | 307.1121% | 1,599 |
| Earnings coverage of net charge-offs (x) | 60.9246% | 956 |
| Efficiency ratio | 63.9987% | 2,825 |
| Assets per employee ($millions) | 4.8679% | 3,345 |
| Cash dividends to net income (ytd only)* | 38.4280% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,656 |
| Loan loss allowance to noncurrent loans | 305.6695% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,659 |
| Noncurrent loans to loans | 0.4515% | 2,797 |
| Net loans and leases to total assets | 36.3685% | 4,715 |
| Net loans and leases to deposits | 55.6716% | 4,303 |
| Net loans and leases to core deposits | 56.6138% | 4,412 |
| Total domestic deposits to total assets | 65.3269% | 4,895 |
| Equity capital to assets | 6.6883% | 5,003 |
| Core capital (leverage) ratio | 6.4150% | 5,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8201% | 2,258 |
| Memoranda: | ||
| Average total assets | $3,029,636,333 | 328 |
| Average earning assets | $2,846,557,333 | 320 |
| Average equity | $220,567,333 | 460 |
| Average total loans | $1,192,234,333 | 533 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1809% | 4,873 |
| Cost of funding earning assets | 0.5743% | 3,565 |
| Net interest margin | 2.6066% | 4,748 |
| Noninterest income to average assets | 2.6542% | 177 |
| Noninterest expense to average assets | 3.3873% | 1,083 |
| Loan and lease loss provision to assets | 0.0615% | 3,000 |
| Net operating income to assets | 1.3079% | 1,226 |
| Return on assets (ROA) | 1.1556% | 1,781 |
| Pretax return on assets | 1.4658% | 1,397 |
| Return on Equity (ROE) | 15.1081% | 536 |
| Retained earnings to average equity (ytd only) | 1.1087% | 3,713 |
| Net charge-offs to loans | 0.1026% | 1,064 |
| Credit loss provision to net charge-offs | 146.5986% | 1,591 |
| Earnings coverage of net charge-offs (x) | 40.9830% | 1,017 |
| Efficiency ratio | 66.1887% | 2,933 |
| Assets per employee ($millions) | 4.2829% | 3,552 |
| Cash dividends to net income (ytd only)* | 92.6612% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,455 |
| Loan loss allowance to noncurrent loans | 293.0353% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,635 |
| Noncurrent loans to loans | 0.5011% | 2,765 |
| Net loans and leases to total assets | 38.8003% | 4,705 |
| Net loans and leases to deposits | 61.8805% | 4,102 |
| Net loans and leases to core deposits | 63.2206% | 4,214 |
| Total domestic deposits to total assets | 62.7019% | 5,009 |
| Equity capital to assets | 7.3594% | 5,045 |
| Core capital (leverage) ratio | 7.3376% | 5,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0430% | 2,270 |
| Memoranda: | ||
| Average total assets | $2,801,764,000 | 337 |
| Average earning assets | $2,636,980,500 | 329 |
| Average equity | $214,295,500 | 467 |
| Average total loans | $1,145,692,000 | 531 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 4,800 |
| Cost of funding earning assets | 0.8412% | 2,481 |
| Net interest margin | 2.7356% | 4,812 |
| Noninterest income to average assets | 2.7795% | 172 |
| Noninterest expense to average assets | 3.5731% | 873 |
| Loan and lease loss provision to assets | 0.0705% | 2,590 |
| Net operating income to assets | 1.3146% | 1,633 |
| Return on assets (ROA) | 1.5519% | 992 |
| Pretax return on assets | 1.9858% | 616 |
| Return on Equity (ROE) | 19.5021% | 242 |
| Retained earnings to average equity (ytd only) | 4.5650% | 2,672 |
| Net charge-offs to loans | 0.0774% | 1,993 |
| Credit loss provision to net charge-offs | 213.0939% | 1,238 |
| Earnings coverage of net charge-offs (x) | 53.0649% | 1,076 |
| Efficiency ratio | 66.9135% | 2,632 |
| Assets per employee ($millions) | 3.9214% | 4,008 |
| Cash dividends to net income (ytd only)* | 76.5924% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,298 |
| Loan loss allowance to noncurrent loans | 271.8244% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,439 |
| Noncurrent loans to loans | 0.5417% | 2,550 |
| Net loans and leases to total assets | 41.9183% | 4,675 |
| Net loans and leases to deposits | 62.4285% | 4,172 |
| Net loans and leases to core deposits | 63.7340% | 4,292 |
| Total domestic deposits to total assets | 67.1460% | 5,005 |
| Equity capital to assets | 7.9645% | 5,062 |
| Core capital (leverage) ratio | 7.4336% | 5,107 |
| Tier 1 risk-based capital ratio | 12.7613% | 3,913 |
| Total risk-based capital ratio | 13.8658% | 3,884 |
| Memoranda: | ||
| Average total assets | $2,608,055,600 | 343 |
| Average earning assets | $2,430,713,800 | 337 |
| Average equity | $207,536,200 | 465 |
| Average total loans | $1,115,661,400 | 519 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 4,891 |
| Cost of funding earning assets | 0.8790% | 2,325 |
| Net interest margin | 2.7047% | 4,937 |
| Noninterest income to average assets | 2.6752% | 179 |
| Noninterest expense to average assets | 3.5129% | 929 |
| Loan and lease loss provision to assets | 0.0740% | 2,410 |
| Net operating income to assets | 1.2501% | 2,016 |
| Return on assets (ROA) | 1.5413% | 1,137 |
| Pretax return on assets | 1.9762% | 725 |
| Return on Equity (ROE) | 19.3734% | 290 |
| Retained earnings to average equity (ytd only) | 5.1406% | 2,822 |
| Net charge-offs to loans | 0.0630% | 1,921 |
| Credit loss provision to net charge-offs | 274.4275% | 1,012 |
| Earnings coverage of net charge-offs (x) | 62.3492% | 1,033 |
| Efficiency ratio | 67.4874% | 2,502 |
| Assets per employee ($millions) | 3.9189% | 4,003 |
| Cash dividends to net income (ytd only)* | 73.4656% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,359 |
| Loan loss allowance to noncurrent loans | 259.4691% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,551 |
| Noncurrent loans to loans | 0.5629% | 2,613 |
| Net loans and leases to total assets | 42.6302% | 4,738 |
| Net loans and leases to deposits | 63.3192% | 4,222 |
| Net loans and leases to core deposits | 64.4117% | 4,349 |
| Total domestic deposits to total assets | 67.3258% | 5,075 |
| Equity capital to assets | 8.0121% | 5,125 |
| Core capital (leverage) ratio | 7.5925% | 5,182 |
| Tier 1 risk-based capital ratio | 12.5959% | 4,089 |
| Total risk-based capital ratio | 13.6911% | 4,063 |
| Memoranda: | ||
| Average total assets | $2,590,490,750 | 348 |
| Average earning assets | $2,412,947,750 | 342 |
| Average equity | $206,091,750 | 466 |
| Average total loans | $1,109,706,750 | 523 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,976 |
| Cost of funding earning assets | 0.8871% | 2,212 |
| Net interest margin | 2.6602% | 5,032 |
| Noninterest income to average assets | 2.6030% | 190 |
| Noninterest expense to average assets | 3.4609% | 1,008 |
| Loan and lease loss provision to assets | 0.0696% | 2,429 |
| Net operating income to assets | 1.2030% | 2,140 |
| Return on assets (ROA) | 1.6550% | 833 |
| Pretax return on assets | 2.1256% | 521 |
| Return on Equity (ROE) | 20.8532% | 210 |
| Retained earnings to average equity (ytd only) | 6.1575% | 2,215 |
| Net charge-offs to loans | 0.0685% | 1,678 |
| Credit loss provision to net charge-offs | 238.0319% | 1,063 |
| Earnings coverage of net charge-offs (x) | 55.5160% | 1,032 |
| Efficiency ratio | 67.9300% | 2,542 |
| Assets per employee ($millions) | 3.7859% | 4,147 |
| Cash dividends to net income (ytd only)* | 70.4722% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,467 |
| Loan loss allowance to noncurrent loans | 236.2478% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 3,374 |
| Noncurrent loans to loans | 0.6085% | 2,439 |
| Net loans and leases to total assets | 43.3385% | 4,744 |
| Net loans and leases to deposits | 64.6091% | 4,189 |
| Net loans and leases to core deposits | 65.7728% | 4,328 |
| Total domestic deposits to total assets | 67.0781% | 5,129 |
| Equity capital to assets | 8.1536% | 5,146 |
| Core capital (leverage) ratio | 7.5789% | 5,224 |
| Tier 1 risk-based capital ratio | 12.4927% | 4,129 |
| Total risk-based capital ratio | 13.5634% | 4,100 |
| Memoranda: | ||
| Average total assets | $2,572,225,670 | 352 |
| Average earning assets | $2,398,911,330 | 345 |
| Average equity | $204,141,670 | 466 |
| Average total loans | $1,098,140,670 | 526 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,085 |
| Cost of funding earning assets | 0.8719% | 2,141 |
| Net interest margin | 2.5753% | 5,153 |
| Noninterest income to average assets | 2.4882% | 189 |
| Noninterest expense to average assets | 3.3484% | 1,200 |
| Loan and lease loss provision to assets | 0.0581% | 2,492 |
| Net operating income to assets | 1.1399% | 2,310 |
| Return on assets (ROA) | 1.7726% | 636 |
| Pretax return on assets | 2.2819% | 371 |
| Return on Equity (ROE) | 22.6464% | 157 |
| Retained earnings to average equity (ytd only) | 6.7221% | 2,150 |
| Net charge-offs to loans | 0.0734% | 1,329 |
| Credit loss provision to net charge-offs | 188.3838% | 1,086 |
| Earnings coverage of net charge-offs (x) | 49.8939% | 1,030 |
| Efficiency ratio | 68.3583% | 2,591 |
| Assets per employee ($millions) | 3.8397% | 4,134 |
| Cash dividends to net income (ytd only)* | 70.3173% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,414 |
| Loan loss allowance to noncurrent loans | 311.7268% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,734 |
| Noncurrent loans to loans | 0.4730% | 2,898 |
| Net loans and leases to total assets | 41.8082% | 4,835 |
| Net loans and leases to deposits | 62.1783% | 4,294 |
| Net loans and leases to core deposits | 63.0854% | 4,424 |
| Total domestic deposits to total assets | 67.2393% | 5,189 |
| Equity capital to assets | 8.0068% | 5,178 |
| Core capital (leverage) ratio | 7.6588% | 5,267 |
| Tier 1 risk-based capital ratio | 12.2522% | 4,321 |
| Total risk-based capital ratio | 13.2967% | 4,326 |
| Memoranda: | ||
| Average total assets | $2,567,351,500 | 359 |
| Average earning assets | $2,391,997,000 | 348 |
| Average equity | $200,950,500 | 470 |
| Average total loans | $1,079,556,000 | 540 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 5,118 |
| Cost of funding earning assets | 0.6940% | 2,123 |
| Net interest margin | 2.5497% | 5,186 |
| Noninterest income to average assets | 2.6625% | 183 |
| Noninterest expense to average assets | 3.4639% | 1,046 |
| Loan and lease loss provision to assets | 0.0536% | 3,109 |
| Net operating income to assets | 1.2263% | 2,062 |
| Return on assets (ROA) | 1.1507% | 2,385 |
| Pretax return on assets | 1.4278% | 2,048 |
| Return on Equity (ROE) | 12.8450% | 1,399 |
| Retained earnings to average equity (ytd only) | -12.0967% | 5,336 |
| Net charge-offs to loans | 0.1053% | 1,708 |
| Credit loss provision to net charge-offs | 120.3467% | 2,162 |
| Earnings coverage of net charge-offs (x) | 35.3641% | 1,439 |
| Efficiency ratio | 68.5948% | 2,450 |
| Assets per employee ($millions) | 3.8758% | 4,065 |
| Cash dividends to net income (ytd only)* | 194.1748% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,385 |
| Loan loss allowance to noncurrent loans | 308.8546% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,668 |
| Noncurrent loans to loans | 0.4756% | 2,847 |
| Net loans and leases to total assets | 41.0570% | 4,908 |
| Net loans and leases to deposits | 58.6169% | 4,548 |
| Net loans and leases to core deposits | 59.3980% | 4,654 |
| Total domestic deposits to total assets | 70.0429% | 5,150 |
| Equity capital to assets | 7.6494% | 5,254 |
| Core capital (leverage) ratio | 7.8892% | 5,271 |
| Tier 1 risk-based capital ratio | 12.1366% | 4,332 |
| Total risk-based capital ratio | 13.1789% | 4,361 |
| Memoranda: | ||
| Average total assets | $2,461,460,400 | 363 |
| Average earning assets | $2,293,758,800 | 355 |
| Average equity | $220,514,000 | 420 |
| Average total loans | $1,041,319,800 | 541 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2178% | 5,190 |
| Cost of funding earning assets | 0.6665% | 2,054 |
| Net interest margin | 2.5513% | 5,251 |
| Noninterest income to average assets | 2.6968% | 188 |
| Noninterest expense to average assets | 3.4709% | 1,021 |
| Loan and lease loss provision to assets | 0.0628% | 2,719 |
| Net operating income to assets | 1.2145% | 2,180 |
| Return on assets (ROA) | 1.3900% | 1,526 |
| Pretax return on assets | 1.7653% | 1,100 |
| Return on Equity (ROE) | 14.9364% | 891 |
| Retained earnings to average equity (ytd only) | 3.1518% | 4,169 |
| Net charge-offs to loans | 0.0620% | 1,938 |
| Credit loss provision to net charge-offs | 238.7500% | 1,218 |
| Earnings coverage of net charge-offs (x) | 61.0150% | 1,053 |
| Efficiency ratio | 68.2141% | 2,502 |
| Assets per employee ($millions) | 3.8642% | 4,085 |
| Cash dividends to net income (ytd only)* | 78.8986% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,228 |
| Loan loss allowance to noncurrent loans | 292.4212% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,634 |
| Noncurrent loans to loans | 0.5265% | 2,801 |
| Net loans and leases to total assets | 41.4909% | 4,984 |
| Net loans and leases to deposits | 66.1974% | 4,184 |
| Net loans and leases to core deposits | 67.2234% | 4,337 |
| Total domestic deposits to total assets | 62.6776% | 5,367 |
| Equity capital to assets | 9.0542% | 4,501 |
| Core capital (leverage) ratio | 9.3761% | 4,304 |
| Tier 1 risk-based capital ratio | 14.3839% | 3,180 |
| Total risk-based capital ratio | 15.4684% | 3,176 |
| Memoranda: | ||
| Average total assets | $2,431,500,000 | 365 |
| Average earning assets | $2,268,368,750 | 357 |
| Average equity | $226,278,750 | 410 |
| Average total loans | $1,032,748,500 | 544 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 5,255 |
| Cost of funding earning assets | 0.6404% | 1,986 |
| Net interest margin | 2.5258% | 5,328 |
| Noninterest income to average assets | 2.6653% | 191 |
| Noninterest expense to average assets | 3.4707% | 1,037 |
| Loan and lease loss provision to assets | 0.0629% | 2,645 |
| Net operating income to assets | 1.1832% | 2,268 |
| Return on assets (ROA) | 1.2423% | 2,013 |
| Pretax return on assets | 1.5741% | 1,585 |
| Return on Equity (ROE) | 13.2250% | 1,291 |
| Retained earnings to average equity (ytd only) | 2.6117% | 4,211 |
| Net charge-offs to loans | 0.0696% | 1,643 |
| Credit loss provision to net charge-offs | 212.0448% | 1,255 |
| Earnings coverage of net charge-offs (x) | 52.6695% | 1,091 |
| Efficiency ratio | 68.8044% | 2,514 |
| Assets per employee ($millions) | 3.5463% | 4,537 |
| Cash dividends to net income (ytd only)* | 80.2515% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,289 |
| Loan loss allowance to noncurrent loans | 291.5693% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,561 |
| Noncurrent loans to loans | 0.5260% | 2,844 |
| Net loans and leases to total assets | 43.9641% | 4,904 |
| Net loans and leases to deposits | 66.2209% | 4,155 |
| Net loans and leases to core deposits | 67.1850% | 4,301 |
| Total domestic deposits to total assets | 66.3900% | 5,379 |
| Equity capital to assets | 9.6332% | 3,978 |
| Core capital (leverage) ratio | 8.9702% | 4,714 |
| Tier 1 risk-based capital ratio | 14.2508% | 3,234 |
| Total risk-based capital ratio | 15.3202% | 3,243 |
| Memoranda: | ||
| Average total assets | $2,407,333,670 | 368 |
| Average earning assets | $2,256,517,000 | 358 |
| Average equity | $226,132,670 | 409 |
| Average total loans | $1,025,272,670 | 547 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9976% | 5,375 |
| Cost of funding earning assets | 0.5915% | 2,109 |
| Net interest margin | 2.4060% | 5,438 |
| Noninterest income to average assets | 2.5487% | 193 |
| Noninterest expense to average assets | 3.3568% | 1,239 |
| Loan and lease loss provision to assets | 0.0614% | 2,551 |
| Net operating income to assets | 1.1119% | 2,371 |
| Return on assets (ROA) | 1.0022% | 2,871 |
| Pretax return on assets | 1.2560% | 2,532 |
| Return on Equity (ROE) | 10.8005% | 2,043 |
| Retained earnings to average equity (ytd only) | 1.9823% | 4,355 |
| Net charge-offs to loans | 0.0641% | 1,462 |
| Credit loss provision to net charge-offs | 230.0613% | 957 |
| Earnings coverage of net charge-offs (x) | 54.5276% | 897 |
| Efficiency ratio | 69.6088% | 2,549 |
| Assets per employee ($millions) | 3.6438% | 4,477 |
| Cash dividends to net income (ytd only)* | 81.6460% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,262 |
| Loan loss allowance to noncurrent loans | 225.3782% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,294 |
| Noncurrent loans to loans | 0.6912% | 2,484 |
| Net loans and leases to total assets | 41.8737% | 4,985 |
| Net loans and leases to deposits | 60.9967% | 4,401 |
| Net loans and leases to core deposits | 61.9558% | 4,554 |
| Total domestic deposits to total assets | 68.6491% | 5,401 |
| Equity capital to assets | 9.4738% | 4,112 |
| Core capital (leverage) ratio | 8.8368% | 4,860 |
| Tier 1 risk-based capital ratio | 14.1957% | 3,282 |
| Total risk-based capital ratio | 15.2580% | 3,292 |
| Memoranda: | ||
| Average total assets | $2,444,251,500 | 364 |
| Average earning assets | $2,298,543,000 | 357 |
| Average equity | $226,804,000 | 413 |
| Average total loans | $1,016,969,500 | 552 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7331% | 5,484 |
| Cost of funding earning assets | 0.4270% | 2,981 |
| Net interest margin | 2.3061% | 5,499 |
| Noninterest income to average assets | 2.3310% | 239 |
| Noninterest expense to average assets | 3.1096% | 1,832 |
| Loan and lease loss provision to assets | 0.0594% | 3,047 |
| Net operating income to assets | 1.0966% | 1,865 |
| Return on assets (ROA) | 1.0903% | 1,913 |
| Pretax return on assets | 1.3243% | 2,269 |
| Return on Equity (ROE) | 12.4928% | 1,081 |
| Retained earnings to average equity (ytd only) | 2.0747% | 4,073 |
| Net charge-offs to loans | 0.1278% | 1,767 |
| Credit loss provision to net charge-offs | 120.3922% | 2,168 |
| Earnings coverage of net charge-offs (x) | 28.2047% | 1,610 |
| Efficiency ratio | 69.0059% | 2,700 |
| Assets per employee ($millions) | 3.8844% | 4,141 |
| Cash dividends to net income (ytd only)* | 83.3925% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,320 |
| Loan loss allowance to noncurrent loans | 221.7509% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,446 |
| Noncurrent loans to loans | 0.6885% | 2,497 |
| Net loans and leases to total assets | 40.1005% | 5,130 |
| Net loans and leases to deposits | 57.6198% | 4,709 |
| Net loans and leases to core deposits | 58.5799% | 4,824 |
| Total domestic deposits to total assets | 69.5950% | 5,421 |
| Equity capital to assets | 9.0939% | 4,622 |
| Core capital (leverage) ratio | 7.6779% | 5,522 |
| Tier 1 risk-based capital ratio | 13.0142% | 3,895 |
| Total risk-based capital ratio | 15.1915% | 3,302 |
| Memoranda: | ||
| Average total assets | $2,584,572,400 | 338 |
| Average earning assets | $2,432,079,200 | 332 |
| Average equity | $225,569,600 | 401 |
| Average total loans | $997,326,000 | 543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 5,566 |
| Cost of funding earning assets | 0.4019% | 3,171 |
| Net interest margin | 2.2870% | 5,576 |
| Noninterest income to average assets | 2.2613% | 255 |
| Noninterest expense to average assets | 3.0055% | 2,094 |
| Loan and lease loss provision to assets | 0.0570% | 2,947 |
| Net operating income to assets | 0.9272% | 2,893 |
| Return on assets (ROA) | 0.9284% | 2,945 |
| Pretax return on assets | 1.3522% | 2,272 |
| Return on Equity (ROE) | 10.7457% | 1,801 |
| Retained earnings to average equity (ytd only) | 0.0794% | 5,189 |
| Net charge-offs to loans | 0.1069% | 1,714 |
| Credit loss provision to net charge-offs | 140.1258% | 1,775 |
| Earnings coverage of net charge-offs (x) | 34.5850% | 1,433 |
| Efficiency ratio | 68.0495% | 2,863 |
| Assets per employee ($millions) | 3.9059% | 4,150 |
| Cash dividends to net income (ytd only)* | 99.2611% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 1,457 |
| Loan loss allowance to noncurrent loans | 246.3684% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,652 |
| Noncurrent loans to loans | 0.6177% | 2,860 |
| Net loans and leases to total assets | 40.9234% | 5,158 |
| Net loans and leases to deposits | 60.6043% | 4,610 |
| Net loans and leases to core deposits | 61.6908% | 4,733 |
| Total domestic deposits to total assets | 67.5256% | 5,553 |
| Equity capital to assets | 9.1359% | 4,793 |
| Core capital (leverage) ratio | 7.6082% | 5,608 |
| Tier 1 risk-based capital ratio | 12.9368% | 4,058 |
| Total risk-based capital ratio | 15.0462% | 3,466 |
| Memoranda: | ||
| Average total assets | $2,604,355,000 | 340 |
| Average earning assets | $2,450,410,000 | 331 |
| Average equity | $225,001,500 | 404 |
| Average total loans | $991,589,000 | 547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5925% | 5,636 |
| Cost of funding earning assets | 0.3659% | 3,420 |
| Net interest margin | 2.2266% | 5,642 |
| Noninterest income to average assets | 2.1787% | 285 |
| Noninterest expense to average assets | 2.8779% | 2,494 |
| Loan and lease loss provision to assets | 0.0547% | 2,881 |
| Net operating income to assets | 0.9221% | 2,793 |
| Return on assets (ROA) | 0.9228% | 2,851 |
| Pretax return on assets | 1.3420% | 2,239 |
| Return on Equity (ROE) | 10.8754% | 1,688 |
| Retained earnings to average equity (ytd only) | -0.2501% | 5,116 |
| Net charge-offs to loans | 0.0574% | 2,110 |
| Credit loss provision to net charge-offs | 257.6512% | 1,058 |
| Earnings coverage of net charge-offs (x) | 65.7687% | 880 |
| Efficiency ratio | 67.3417% | 3,126 |
| Assets per employee ($millions) | 4.1623% | 3,692 |
| Cash dividends to net income (ytd only)* | 102.2997% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,343 |
| Loan loss allowance to noncurrent loans | 192.0668% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,780 |
| Noncurrent loans to loans | 0.8157% | 2,365 |
| Net loans and leases to total assets | 38.6227% | 5,281 |
| Net loans and leases to deposits | 62.4658% | 4,471 |
| Net loans and leases to core deposits | 63.6052% | 4,630 |
| Total domestic deposits to total assets | 61.8302% | 5,685 |
| Equity capital to assets | 8.7804% | 5,081 |
| Core capital (leverage) ratio | 7.5012% | 5,657 |
| Tier 1 risk-based capital ratio | 12.8922% | 4,065 |
| Total risk-based capital ratio | 14.9634% | 3,498 |
| Memoranda: | ||
| Average total assets | $2,648,327,000 | 337 |
| Average earning assets | $2,491,627,330 | 326 |
| Average equity | $224,709,000 | 404 |
| Average total loans | $979,637,330 | 556 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5112% | 5,716 |
| Cost of funding earning assets | 0.3321% | 3,732 |
| Net interest margin | 2.1791% | 5,712 |
| Noninterest income to average assets | 2.1144% | 293 |
| Noninterest expense to average assets | 2.7622% | 2,915 |
| Loan and lease loss provision to assets | 0.0525% | 2,763 |
| Net operating income to assets | 0.9197% | 2,669 |
| Return on assets (ROA) | 0.9198% | 2,722 |
| Pretax return on assets | 1.3554% | 2,043 |
| Return on Equity (ROE) | 11.0236% | 1,558 |
| Retained earnings to average equity (ytd only) | 1.2241% | 4,587 |
| Net charge-offs to loans | 0.0190% | 2,412 |
| Credit loss provision to net charge-offs | 767.3913% | 411 |
| Earnings coverage of net charge-offs (x) | 205.8478% | 270 |
| Efficiency ratio | 66.2400% | 3,459 |
| Assets per employee ($millions) | 4.7561% | 2,761 |
| Cash dividends to net income (ytd only)* | 88.8961% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,360 |
| Loan loss allowance to noncurrent loans | 215.2500% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,045 |
| Noncurrent loans to loans | 0.7465% | 2,626 |
| Net loans and leases to total assets | 35.4778% | 5,424 |
| Net loans and leases to deposits | 55.8146% | 4,826 |
| Net loans and leases to core deposits | 56.8486% | 4,930 |
| Total domestic deposits to total assets | 63.5637% | 5,746 |
| Equity capital to assets | 8.3485% | 5,330 |
| Core capital (leverage) ratio | 7.2446% | 5,743 |
| Tier 1 risk-based capital ratio | 12.9750% | 4,094 |
| Total risk-based capital ratio | 15.0674% | 3,503 |
| Memoranda: | ||
| Average total assets | $2,690,511,500 | 336 |
| Average earning assets | $2,537,957,000 | 328 |
| Average equity | $224,500,500 | 409 |
| Average total loans | $966,440,000 | 564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3828% | 5,794 |
| Cost of funding earning assets | 0.2540% | 4,530 |
| Net interest margin | 2.1288% | 5,778 |
| Noninterest income to average assets | 2.1548% | 308 |
| Noninterest expense to average assets | 2.8689% | 2,786 |
| Loan and lease loss provision to assets | 0.0539% | 3,309 |
| Net operating income to assets | 0.8849% | 2,907 |
| Return on assets (ROA) | 0.8848% | 3,024 |
| Pretax return on assets | 1.2270% | 2,567 |
| Return on Equity (ROE) | 10.6938% | 1,695 |
| Retained earnings to average equity (ytd only) | 1.2968% | 4,764 |
| Net charge-offs to loans | 0.1287% | 1,957 |
| Credit loss provision to net charge-offs | 121.1314% | 2,192 |
| Earnings coverage of net charge-offs (x) | 28.7845% | 1,466 |
| Efficiency ratio | 69.1309% | 3,051 |
| Assets per employee ($millions) | 4.7093% | 2,774 |
| Cash dividends to net income (ytd only)* | 87.8735% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,389 |
| Loan loss allowance to noncurrent loans | 219.5185% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,148 |
| Noncurrent loans to loans | 0.7265% | 2,717 |
| Net loans and leases to total assets | 35.2121% | 5,512 |
| Net loans and leases to deposits | 57.0963% | 4,852 |
| Net loans and leases to core deposits | 58.1064% | 4,957 |
| Total domestic deposits to total assets | 61.6714% | 5,808 |
| Equity capital to assets | 8.3398% | 5,396 |
| Core capital (leverage) ratio | 7.2714% | 5,780 |
| Tier 1 risk-based capital ratio | 13.1865% | 3,953 |
| Total risk-based capital ratio | 15.3057% | 3,347 |
| Memoranda: | ||
| Average total assets | $2,700,853,800 | 326 |
| Average earning assets | $2,531,241,000 | 312 |
| Average equity | $223,474,800 | 396 |
| Average total loans | $934,260,000 | 546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3793% | 5,859 |
| Cost of funding earning assets | 0.2468% | 4,632 |
| Net interest margin | 2.1325% | 5,845 |
| Noninterest income to average assets | 2.1640% | 316 |
| Noninterest expense to average assets | 2.8208% | 2,933 |
| Loan and lease loss provision to assets | 0.0567% | 3,109 |
| Net operating income to assets | 0.8924% | 2,946 |
| Return on assets (ROA) | 0.8923% | 3,075 |
| Pretax return on assets | 1.2795% | 2,503 |
| Return on Equity (ROE) | 10.8048% | 1,747 |
| Retained earnings to average equity (ytd only) | 0.6578% | 5,189 |
| Net charge-offs to loans | 0.1222% | 1,734 |
| Credit loss provision to net charge-offs | 135.2941% | 1,920 |
| Earnings coverage of net charge-offs (x) | 31.8975% | 1,428 |
| Efficiency ratio | 67.8531% | 3,248 |
| Assets per employee ($millions) | 4.7136% | 2,723 |
| Cash dividends to net income (ytd only)* | 93.9123% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,502 |
| Loan loss allowance to noncurrent loans | 207.9026% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 4,193 |
| Noncurrent loans to loans | 0.7653% | 2,759 |
| Net loans and leases to total assets | 35.1227% | 5,584 |
| Net loans and leases to deposits | 56.9243% | 4,939 |
| Net loans and leases to core deposits | 58.1005% | 5,050 |
| Total domestic deposits to total assets | 61.7008% | 5,875 |
| Equity capital to assets | 8.2874% | 5,627 |
| Core capital (leverage) ratio | 7.1700% | 5,861 |
| Tier 1 risk-based capital ratio | 13.0725% | 4,120 |
| Total risk-based capital ratio | 15.1299% | 3,546 |
| Memoranda: | ||
| Average total assets | $2,704,989,250 | 321 |
| Average earning assets | $2,528,255,000 | 312 |
| Average equity | $223,377,250 | 396 |
| Average total loans | $927,694,750 | 547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3713% | 5,940 |
| Cost of funding earning assets | 0.2454% | 4,702 |
| Net interest margin | 2.1259% | 5,922 |
| Noninterest income to average assets | 2.1444% | 315 |
| Noninterest expense to average assets | 2.7771% | 3,102 |
| Loan and lease loss provision to assets | 0.0619% | 2,897 |
| Net operating income to assets | 0.8724% | 2,994 |
| Return on assets (ROA) | 0.8719% | 3,107 |
| Pretax return on assets | 1.2903% | 2,449 |
| Return on Equity (ROE) | 10.5713% | 1,820 |
| Retained earnings to average equity (ytd only) | 0.7100% | 5,091 |
| Net charge-offs to loans | 0.0850% | 1,994 |
| Credit loss provision to net charge-offs | 215.1671% | 1,240 |
| Earnings coverage of net charge-offs (x) | 47.0360% | 1,034 |
| Efficiency ratio | 67.2414% | 3,495 |
| Assets per employee ($millions) | 4.7742% | 2,599 |
| Cash dividends to net income (ytd only)* | 93.2836% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,423 |
| Loan loss allowance to noncurrent loans | 154.9960% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 3,890 |
| Noncurrent loans to loans | 1.0601% | 2,170 |
| Net loans and leases to total assets | 33.6489% | 5,691 |
| Net loans and leases to deposits | 53.4054% | 5,167 |
| Net loans and leases to core deposits | 54.4367% | 5,255 |
| Total domestic deposits to total assets | 63.0065% | 5,944 |
| Equity capital to assets | 8.1531% | 5,755 |
| Core capital (leverage) ratio | 7.1537% | 5,932 |
| Tier 1 risk-based capital ratio | 13.5153% | 3,890 |
| Total risk-based capital ratio | 15.5958% | 3,333 |
| Memoranda: | ||
| Average total assets | $2,704,777,000 | 322 |
| Average earning assets | $2,526,361,000 | 311 |
| Average equity | $223,094,000 | 396 |
| Average total loans | $915,041,670 | 550 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3666% | 6,005 |
| Cost of funding earning assets | 0.2502% | 4,706 |
| Net interest margin | 2.1165% | 5,989 |
| Noninterest income to average assets | 2.1238% | 315 |
| Noninterest expense to average assets | 2.7897% | 3,110 |
| Loan and lease loss provision to assets | 0.0517% | 2,896 |
| Net operating income to assets | 0.8548% | 2,974 |
| Return on assets (ROA) | 0.8535% | 3,102 |
| Pretax return on assets | 1.2660% | 2,445 |
| Return on Equity (ROE) | 10.2868% | 1,856 |
| Retained earnings to average equity (ytd only) | 1.2838% | 4,743 |
| Net charge-offs to loans | 0.0977% | 1,542 |
| Credit loss provision to net charge-offs | 157.2727% | 1,240 |
| Earnings coverage of net charge-offs (x) | 40.1500% | 1,007 |
| Efficiency ratio | 67.8870% | 3,480 |
| Assets per employee ($millions) | 4.6036% | 2,892 |
| Cash dividends to net income (ytd only)* | 87.5197% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 1,507 |
| Loan loss allowance to noncurrent loans | 153.1096% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 3,943 |
| Noncurrent loans to loans | 1.0711% | 2,248 |
| Net loans and leases to total assets | 34.7205% | 5,689 |
| Net loans and leases to deposits | 55.8961% | 4,994 |
| Net loans and leases to core deposits | 56.9772% | 5,089 |
| Total domestic deposits to total assets | 62.1162% | 6,024 |
| Equity capital to assets | 8.5089% | 5,557 |
| Core capital (leverage) ratio | 7.1922% | 5,975 |
| Tier 1 risk-based capital ratio | 13.9171% | 3,741 |
| Total risk-based capital ratio | 15.9760% | 3,219 |
| Memoranda: | ||
| Average total assets | $2,677,422,500 | 318 |
| Average earning assets | $2,511,752,500 | 308 |
| Average equity | $222,149,000 | 395 |
| Average total loans | $900,538,500 | 557 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3147% | 6,047 |
| Cost of funding earning assets | 0.2109% | 5,185 |
| Net interest margin | 2.1038% | 6,023 |
| Noninterest income to average assets | 2.2706% | 300 |
| Noninterest expense to average assets | 2.9893% | 2,586 |
| Loan and lease loss provision to assets | 0.0452% | 3,422 |
| Net operating income to assets | 0.8521% | 3,105 |
| Return on assets (ROA) | 0.8497% | 3,186 |
| Pretax return on assets | 1.2056% | 2,639 |
| Return on Equity (ROE) | 9.7522% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.4708% | 1,106 |
| Net charge-offs to loans | 0.1414% | 1,933 |
| Credit loss provision to net charge-offs | 97.7644% | 2,603 |
| Earnings coverage of net charge-offs (x) | 27.1307% | 1,555 |
| Efficiency ratio | 70.4430% | 3,152 |
| Assets per employee ($millions) | 4.7909% | 2,621 |
| Cash dividends to net income (ytd only)* | 23.3929% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 1,307 |
| Loan loss allowance to noncurrent loans | 150.1894% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,969 |
| Noncurrent loans to loans | 1.1465% | 2,052 |
| Net loans and leases to total assets | 31.4831% | 5,849 |
| Net loans and leases to deposits | 50.5790% | 5,358 |
| Net loans and leases to core deposits | 51.5466% | 5,430 |
| Total domestic deposits to total assets | 62.2454% | 6,069 |
| Equity capital to assets | 8.0936% | 5,814 |
| Core capital (leverage) ratio | 7.1139% | 6,034 |
| Tier 1 risk-based capital ratio | 14.2011% | 3,606 |
| Total risk-based capital ratio | 16.2780% | 3,099 |
| Memoranda: | ||
| Average total assets | $2,515,617,200 | 317 |
| Average earning assets | $2,359,202,200 | 309 |
| Average equity | $219,172,000 | 387 |
| Average total loans | $822,613,400 | 572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3412% | 6,138 |
| Cost of funding earning assets | 0.2121% | 5,269 |
| Net interest margin | 2.1291% | 6,091 |
| Noninterest income to average assets | 2.3186% | 289 |
| Noninterest expense to average assets | 3.0167% | 2,466 |
| Loan and lease loss provision to assets | 0.0455% | 3,295 |
| Net operating income to assets | 0.8449% | 3,192 |
| Return on assets (ROA) | 0.8496% | 3,263 |
| Pretax return on assets | 1.2602% | 2,554 |
| Return on Equity (ROE) | 9.5631% | 2,287 |
| Retained earnings to average equity (ytd only) | 6.5150% | 1,949 |
| Net charge-offs to loans | 0.1405% | 1,716 |
| Credit loss provision to net charge-offs | 98.4760% | 2,326 |
| Earnings coverage of net charge-offs (x) | 28.1127% | 1,553 |
| Efficiency ratio | 69.9046% | 3,225 |
| Assets per employee ($millions) | 4.6971% | 2,713 |
| Cash dividends to net income (ytd only)* | 31.8735% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 1,280 |
| Loan loss allowance to noncurrent loans | 139.7053% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 4,028 |
| Noncurrent loans to loans | 1.2840% | 1,990 |
| Net loans and leases to total assets | 30.6142% | 5,952 |
| Net loans and leases to deposits | 48.2719% | 5,549 |
| Net loans and leases to core deposits | 49.2533% | 5,605 |
| Total domestic deposits to total assets | 63.4203% | 6,138 |
| Equity capital to assets | 8.1455% | 5,901 |
| Core capital (leverage) ratio | 7.1718% | 6,108 |
| Tier 1 risk-based capital ratio | 14.1964% | 3,729 |
| Total risk-based capital ratio | 16.3682% | 3,172 |
| Memoranda: | ||
| Average total assets | $2,461,822,750 | 329 |
| Average earning assets | $2,308,789,500 | 320 |
| Average equity | $218,710,000 | 395 |
| Average total loans | $809,565,750 | 581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3754% | 6,201 |
| Cost of funding earning assets | 0.2183% | 5,274 |
| Net interest margin | 2.1571% | 6,160 |
| Noninterest income to average assets | 2.3931% | 286 |
| Noninterest expense to average assets | 3.0775% | 2,314 |
| Loan and lease loss provision to assets | 0.0465% | 3,188 |
| Net operating income to assets | 0.8702% | 3,044 |
| Return on assets (ROA) | 0.8764% | 3,117 |
| Pretax return on assets | 1.3005% | 2,360 |
| Return on Equity (ROE) | 9.5646% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.5646% | 766 |
| Net charge-offs to loans | 0.1241% | 1,768 |
| Credit loss provision to net charge-offs | 111.6935% | 1,907 |
| Earnings coverage of net charge-offs (x) | 32.1452% | 1,306 |
| Efficiency ratio | 69.7015% | 3,381 |
| Assets per employee ($millions) | 4.5729% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 1,281 |
| Loan loss allowance to noncurrent loans | 131.3790% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 4,046 |
| Noncurrent loans to loans | 1.4055% | 1,916 |
| Net loans and leases to total assets | 30.4103% | 6,026 |
| Net loans and leases to deposits | 48.0347% | 5,595 |
| Net loans and leases to core deposits | 49.2003% | 5,643 |
| Total domestic deposits to total assets | 63.3091% | 6,214 |
| Equity capital to assets | 8.3598% | 5,792 |
| Core capital (leverage) ratio | 7.1773% | 6,159 |
| Tier 1 risk-based capital ratio | 14.8080% | 3,466 |
| Total risk-based capital ratio | 17.1648% | 2,860 |
| Memoranda: | ||
| Average total assets | $2,383,721,670 | 339 |
| Average earning assets | $2,234,462,000 | 327 |
| Average equity | $218,408,670 | 394 |
| Average total loans | $799,263,000 | 589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4702% | 6,233 |
| Cost of funding earning assets | 0.2404% | 5,123 |
| Net interest margin | 2.2297% | 6,191 |
| Noninterest income to average assets | 2.4920% | 277 |
| Noninterest expense to average assets | 3.2311% | 1,903 |
| Loan and lease loss provision to assets | 0.0471% | 2,989 |
| Net operating income to assets | 0.8810% | 2,839 |
| Return on assets (ROA) | 0.8834% | 2,953 |
| Pretax return on assets | 1.3028% | 2,271 |
| Return on Equity (ROE) | 9.1693% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.1693% | 1,141 |
| Net charge-offs to loans | 0.0385% | 2,447 |
| Credit loss provision to net charge-offs | 348.6842% | 729 |
| Earnings coverage of net charge-offs (x) | 99.7237% | 496 |
| Efficiency ratio | 70.5876% | 3,383 |
| Assets per employee ($millions) | 4.6631% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 1,220 |
| Loan loss allowance to noncurrent loans | 128.2441% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 4,022 |
| Noncurrent loans to loans | 1.5072% | 1,876 |
| Net loans and leases to total assets | 29.6864% | 6,085 |
| Net loans and leases to deposits | 46.5444% | 5,638 |
| Net loans and leases to core deposits | 47.3929% | 5,702 |
| Total domestic deposits to total assets | 63.7808% | 6,282 |
| Equity capital to assets | 8.3848% | 5,817 |
| Core capital (leverage) ratio | 6.9182% | 6,244 |
| Tier 1 risk-based capital ratio | 15.5102% | 3,137 |
| Total risk-based capital ratio | 18.0552% | 2,514 |
| Memoranda: | ||
| Average total assets | $2,251,730,000 | 348 |
| Average earning assets | $2,106,093,000 | 339 |
| Average equity | $216,941,500 | 396 |
| Average total loans | $788,733,000 | 586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4136% | 6,349 |
| Cost of funding earning assets | 0.2526% | 5,296 |
| Net interest margin | 2.1610% | 6,321 |
| Noninterest income to average assets | 2.3964% | 251 |
| Noninterest expense to average assets | 3.0323% | 2,748 |
| Loan and lease loss provision to assets | 0.0587% | 3,363 |
| Net operating income to assets | 0.8962% | 2,893 |
| Return on assets (ROA) | 0.9033% | 2,943 |
| Pretax return on assets | 1.3256% | 2,155 |
| Return on Equity (ROE) | 9.8824% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,502 |
| Net charge-offs to loans | 0.1861% | 2,180 |
| Credit loss provision to net charge-offs | 91.4424% | 2,617 |
| Earnings coverage of net charge-offs (x) | 21.3982% | 1,679 |
| Efficiency ratio | 68.8194% | 3,749 |
| Assets per employee ($millions) | 3.6741% | 4,583 |
| Cash dividends to net income (ytd only)* | 31.3956% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 1,277 |
| Loan loss allowance to noncurrent loans | 152.2858% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 3,860 |
| Noncurrent loans to loans | 1.2591% | 2,345 |
| Net loans and leases to total assets | 40.7946% | 5,696 |
| Net loans and leases to deposits | 60.2797% | 4,883 |
| Net loans and leases to core deposits | 61.8082% | 5,011 |
| Total domestic deposits to total assets | 67.6756% | 6,280 |
| Equity capital to assets | 11.3591% | 2,549 |
| Core capital (leverage) ratio | 7.1453% | 6,289 |
| Tier 1 risk-based capital ratio | 17.6698% | 2,253 |
| Total risk-based capital ratio | 20.5483% | 1,740 |
| Memoranda: | ||
| Average total assets | $2,256,842,800 | 332 |
| Average earning assets | $2,098,914,600 | 323 |
| Average equity | $206,275,600 | 391 |
| Average total loans | $778,435,400 | 561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3244% | 6,454 |
| Cost of funding earning assets | 0.2434% | 5,472 |
| Net interest margin | 2.0810% | 6,425 |
| Noninterest income to average assets | 2.3258% | 273 |
| Noninterest expense to average assets | 2.9241% | 3,042 |
| Loan and lease loss provision to assets | 0.0683% | 2,974 |
| Net operating income to assets | 0.8668% | 3,092 |
| Return on assets (ROA) | 0.8758% | 3,137 |
| Pretax return on assets | 1.2850% | 2,437 |
| Return on Equity (ROE) | 10.0753% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.8947% | 2,467 |
| Net charge-offs to loans | 0.1347% | 2,447 |
| Credit loss provision to net charge-offs | 153.4439% | 1,552 |
| Earnings coverage of net charge-offs (x) | 30.0994% | 1,369 |
| Efficiency ratio | 68.5750% | 3,751 |
| Assets per employee ($millions) | 5.0651% | 2,167 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 1,188 |
| Loan loss allowance to noncurrent loans | 158.6623% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 4,630 |
| Noncurrent loans to loans | 1.2842% | 2,495 |
| Net loans and leases to total assets | 29.0971% | 6,281 |
| Net loans and leases to deposits | 45.9741% | 5,866 |
| Net loans and leases to core deposits | 46.9279% | 5,927 |
| Total domestic deposits to total assets | 63.2902% | 6,447 |
| Equity capital to assets | 8.1091% | 6,073 |
| Core capital (leverage) ratio | 6.9466% | 6,388 |
| Tier 1 risk-based capital ratio | 17.2289% | 2,508 |
| Total risk-based capital ratio | 20.0572% | 1,923 |
| Memoranda: | ||
| Average total assets | $2,348,019,250 | 318 |
| Average earning assets | $2,187,018,750 | 310 |
| Average equity | $204,112,000 | 393 |
| Average total loans | $776,299,250 | 562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4340% | 6,497 |
| Cost of funding earning assets | 0.2554% | 5,430 |
| Net interest margin | 2.1786% | 6,463 |
| Noninterest income to average assets | 2.4216% | 251 |
| Noninterest expense to average assets | 3.0685% | 2,597 |
| Loan and lease loss provision to assets | 0.0702% | 2,870 |
| Net operating income to assets | 0.8873% | 2,877 |
| Return on assets (ROA) | 0.9014% | 2,892 |
| Pretax return on assets | 1.3215% | 2,182 |
| Return on Equity (ROE) | 10.1115% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.7506% | 1,900 |
| Net charge-offs to loans | 0.1255% | 2,413 |
| Credit loss provision to net charge-offs | 162.9857% | 1,382 |
| Earnings coverage of net charge-offs (x) | 31.8160% | 1,204 |
| Efficiency ratio | 69.1187% | 3,816 |
| Assets per employee ($millions) | 4.6400% | 2,714 |
| Cash dividends to net income (ytd only)* | 33.2388% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 1,368 |
| Loan loss allowance to noncurrent loans | 171.8366% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 4,783 |
| Noncurrent loans to loans | 1.1621% | 2,902 |
| Net loans and leases to total assets | 30.5156% | 6,290 |
| Net loans and leases to deposits | 50.2536% | 5,618 |
| Net loans and leases to core deposits | 51.5102% | 5,693 |
| Total domestic deposits to total assets | 60.7233% | 6,550 |
| Equity capital to assets | 8.2888% | 5,956 |
| Core capital (leverage) ratio | 7.0120% | 6,430 |
| Tier 1 risk-based capital ratio | 16.7419% | 2,732 |
| Total risk-based capital ratio | 19.4872% | 2,117 |
| Memoranda: | ||
| Average total assets | $2,269,620,670 | 324 |
| Average earning assets | $2,102,289,000 | 319 |
| Average equity | $202,324,000 | 394 |
| Average total loans | $779,307,670 | 559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5784% | 6,526 |
| Cost of funding earning assets | 0.2777% | 5,310 |
| Net interest margin | 2.3007% | 6,473 |
| Noninterest income to average assets | 2.5598% | 231 |
| Noninterest expense to average assets | 3.2577% | 2,050 |
| Loan and lease loss provision to assets | 0.0727% | 2,682 |
| Net operating income to assets | 0.9245% | 2,527 |
| Return on assets (ROA) | 0.9253% | 2,598 |
| Pretax return on assets | 1.3531% | 1,904 |
| Return on Equity (ROE) | 9.9746% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.9746% | 970 |
| Net charge-offs to loans | 0.0830% | 2,314 |
| Credit loss provision to net charge-offs | 241.9753% | 924 |
| Earnings coverage of net charge-offs (x) | 47.4074% | 783 |
| Efficiency ratio | 69.5733% | 3,898 |
| Assets per employee ($millions) | 4.4756% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,557 |
| Loan loss allowance to noncurrent loans | 158.5952% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 4,706 |
| Noncurrent loans to loans | 1.2471% | 2,957 |
| Net loans and leases to total assets | 32.2065% | 6,259 |
| Net loans and leases to deposits | 52.4117% | 5,433 |
| Net loans and leases to core deposits | 53.9409% | 5,505 |
| Total domestic deposits to total assets | 61.4491% | 6,629 |
| Equity capital to assets | 8.5487% | 5,601 |
| Core capital (leverage) ratio | 6.9551% | 6,479 |
| Tier 1 risk-based capital ratio | 16.8429% | 2,762 |
| Total risk-based capital ratio | 19.5097% | 2,151 |
| Memoranda: | ||
| Average total assets | $2,156,267,000 | 337 |
| Average earning assets | $1,989,298,000 | 333 |
| Average equity | $200,028,000 | 398 |
| Average total loans | $780,315,500 | 558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6244% | 6,580 |
| Cost of funding earning assets | 0.3092% | 5,525 |
| Net interest margin | 2.3153% | 6,513 |
| Noninterest income to average assets | 2.8752% | 237 |
| Noninterest expense to average assets | 3.4826% | 1,695 |
| Loan and lease loss provision to assets | 0.0848% | 3,416 |
| Net operating income to assets | 0.9789% | 2,429 |
| Return on assets (ROA) | 1.0275% | 2,274 |
| Pretax return on assets | 1.5277% | 1,357 |
| Return on Equity (ROE) | 11.1259% | 1,726 |
| Retained earnings to average equity (ytd only) | 1.8043% | 4,948 |
| Net charge-offs to loans | 0.1744% | 3,087 |
| Credit loss provision to net charge-offs | 135.3378% | 1,735 |
| Earnings coverage of net charge-offs (x) | 24.5694% | 1,360 |
| Efficiency ratio | 69.3380% | 3,948 |
| Assets per employee ($millions) | 3.6946% | 4,490 |
| Cash dividends to net income (ytd only)* | 83.7824% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 1,672 |
| Loan loss allowance to noncurrent loans | 146.8958% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 4,342 |
| Noncurrent loans to loans | 1.3282% | 2,912 |
| Net loans and leases to total assets | 39.4926% | 5,999 |
| Net loans and leases to deposits | 58.7583% | 5,056 |
| Net loans and leases to core deposits | 60.5938% | 5,177 |
| Total domestic deposits to total assets | 67.2119% | 6,607 |
| Equity capital to assets | 10.1702% | 3,545 |
| Core capital (leverage) ratio | 7.1634% | 6,485 |
| Tier 1 risk-based capital ratio | 16.4535% | 2,878 |
| Total risk-based capital ratio | 19.0574% | 2,276 |
| Memoranda: | ||
| Average total assets | $2,148,988,800 | 334 |
| Average earning assets | $1,993,143,400 | 325 |
| Average equity | $198,465,400 | 391 |
| Average total loans | $772,490,400 | 544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5631% | 6,675 |
| Cost of funding earning assets | 0.3116% | 5,631 |
| Net interest margin | 2.2516% | 6,615 |
| Noninterest income to average assets | 2.8418% | 254 |
| Noninterest expense to average assets | 3.3413% | 1,976 |
| Loan and lease loss provision to assets | 0.1084% | 2,956 |
| Net operating income to assets | 1.0022% | 2,367 |
| Return on assets (ROA) | 1.0654% | 2,221 |
| Pretax return on assets | 1.5829% | 1,377 |
| Return on Equity (ROE) | 11.7990% | 1,543 |
| Retained earnings to average equity (ytd only) | 2.0771% | 5,084 |
| Net charge-offs to loans | 0.1739% | 2,834 |
| Credit loss provision to net charge-offs | 178.2090% | 1,354 |
| Earnings coverage of net charge-offs (x) | 26.2467% | 1,356 |
| Efficiency ratio | 67.6609% | 4,158 |
| Assets per employee ($millions) | 4.4068% | 3,038 |
| Cash dividends to net income (ytd only)* | 82.3957% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 1,776 |
| Loan loss allowance to noncurrent loans | 110.6881% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 4,458 |
| Noncurrent loans to loans | 1.7869% | 2,514 |
| Net loans and leases to total assets | 33.2546% | 6,397 |
| Net loans and leases to deposits | 53.4634% | 5,586 |
| Net loans and leases to core deposits | 55.0423% | 5,692 |
| Total domestic deposits to total assets | 62.2006% | 6,772 |
| Equity capital to assets | 8.4763% | 5,757 |
| Core capital (leverage) ratio | 6.9766% | 6,591 |
| Tier 1 risk-based capital ratio | 15.9995% | 3,196 |
| Total risk-based capital ratio | 18.4805% | 2,581 |
| Memoranda: | ||
| Average total assets | $2,202,244,250 | 328 |
| Average earning assets | $2,050,610,250 | 317 |
| Average equity | $198,859,000 | 388 |
| Average total loans | $770,668,750 | 548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6401% | 6,685 |
| Cost of funding earning assets | 0.3259% | 5,603 |
| Net interest margin | 2.3142% | 6,610 |
| Noninterest income to average assets | 2.8895% | 269 |
| Noninterest expense to average assets | 3.3748% | 1,880 |
| Loan and lease loss provision to assets | 0.1097% | 2,967 |
| Net operating income to assets | 1.0476% | 2,123 |
| Return on assets (ROA) | 1.1289% | 1,940 |
| Pretax return on assets | 1.6774% | 1,165 |
| Return on Equity (ROE) | 12.2346% | 1,417 |
| Retained earnings to average equity (ytd only) | 2.7240% | 4,579 |
| Net charge-offs to loans | 0.1726% | 2,738 |
| Credit loss provision to net charge-offs | 179.7277% | 1,329 |
| Earnings coverage of net charge-offs (x) | 27.2814% | 1,220 |
| Efficiency ratio | 66.9532% | 4,370 |
| Assets per employee ($millions) | 4.4104% | 2,967 |
| Cash dividends to net income (ytd only)* | 77.7350% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,902 |
| Loan loss allowance to noncurrent loans | 148.0745% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,974 |
| Noncurrent loans to loans | 1.3351% | 3,323 |
| Net loans and leases to total assets | 32.8750% | 6,464 |
| Net loans and leases to deposits | 54.0307% | 5,520 |
| Net loans and leases to core deposits | 55.7171% | 5,620 |
| Total domestic deposits to total assets | 60.8449% | 6,830 |
| Equity capital to assets | 8.6709% | 5,590 |
| Core capital (leverage) ratio | 7.0231% | 6,607 |
| Tier 1 risk-based capital ratio | 16.1120% | 3,133 |
| Total risk-based capital ratio | 18.5788% | 2,553 |
| Memoranda: | ||
| Average total assets | $2,165,135,000 | 331 |
| Average earning assets | $2,012,520,000 | 324 |
| Average equity | $199,777,000 | 385 |
| Average total loans | $765,927,670 | 545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7516% | 6,709 |
| Cost of funding earning assets | 0.3503% | 5,529 |
| Net interest margin | 2.4012% | 6,599 |
| Noninterest income to average assets | 2.9828% | 253 |
| Noninterest expense to average assets | 3.3731% | 1,890 |
| Loan and lease loss provision to assets | 0.1124% | 2,827 |
| Net operating income to assets | 1.1655% | 1,621 |
| Return on assets (ROA) | 1.1655% | 1,730 |
| Pretax return on assets | 1.7270% | 1,011 |
| Return on Equity (ROE) | 12.2270% | 1,360 |
| Retained earnings to average equity (ytd only) | 0.2182% | 5,711 |
| Net charge-offs to loans | 0.0981% | 2,876 |
| Credit loss provision to net charge-offs | 314.9733% | 769 |
| Earnings coverage of net charge-offs (x) | 51.5561% | 662 |
| Efficiency ratio | 64.7121% | 4,883 |
| Assets per employee ($millions) | 4.3380% | 3,265 |
| Cash dividends to net income (ytd only)* | 98.2157% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 2,063 |
| Loan loss allowance to noncurrent loans | 148.2715% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 5,070 |
| Noncurrent loans to loans | 1.3435% | 3,548 |
| Net loans and leases to total assets | 33.4712% | 6,442 |
| Net loans and leases to deposits | 56.5318% | 5,195 |
| Net loans and leases to core deposits | 58.8719% | 5,260 |
| Total domestic deposits to total assets | 59.2077% | 6,922 |
| Equity capital to assets | 9.0175% | 5,464 |
| Core capital (leverage) ratio | 7.1147% | 6,608 |
| Tier 1 risk-based capital ratio | 15.5313% | 3,510 |
| Total risk-based capital ratio | 17.9222% | 2,888 |
| Memoranda: | ||
| Average total assets | $2,096,583,000 | 344 |
| Average earning assets | $1,946,829,500 | 333 |
| Average equity | $199,853,500 | 391 |
| Average total loans | $762,829,000 | 545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8180% | 6,847 |
| Cost of funding earning assets | 0.3820% | 6,042 |
| Net interest margin | 2.4360% | 6,752 |
| Noninterest income to average assets | 2.9845% | 257 |
| Noninterest expense to average assets | 3.4212% | 2,005 |
| Loan and lease loss provision to assets | 0.1257% | 4,042 |
| Net operating income to assets | 1.1460% | 1,784 |
| Return on assets (ROA) | 1.1536% | 1,923 |
| Pretax return on assets | 1.7138% | 1,099 |
| Return on Equity (ROE) | 12.6970% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,706 |
| Net charge-offs to loans | 0.3183% | 3,050 |
| Credit loss provision to net charge-offs | 115.9140% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.8563% | 1,543 |
| Efficiency ratio | 65.1738% | 4,671 |
| Assets per employee ($millions) | 3.8508% | 4,270 |
| Cash dividends to net income (ytd only)* | 60.6551% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,213 |
| Loan loss allowance to noncurrent loans | 153.2017% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 5,126 |
| Noncurrent loans to loans | 1.2564% | 3,732 |
| Net loans and leases to total assets | 38.1606% | 6,292 |
| Net loans and leases to deposits | 61.2742% | 4,871 |
| Net loans and leases to core deposits | 64.4632% | 4,910 |
| Total domestic deposits to total assets | 62.2785% | 6,951 |
| Equity capital to assets | 10.1146% | 4,016 |
| Core capital (leverage) ratio | 7.2346% | 6,624 |
| Tier 1 risk-based capital ratio | 15.8474% | 3,242 |
| Total risk-based capital ratio | 18.1295% | 2,674 |
| Memoranda: | ||
| Average total assets | $2,143,774,200 | 336 |
| Average earning assets | $1,993,050,000 | 320 |
| Average equity | $194,770,600 | 385 |
| Average total loans | $730,499,000 | 565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7760% | 6,981 |
| Cost of funding earning assets | 0.3801% | 6,228 |
| Net interest margin | 2.3960% | 6,896 |
| Noninterest income to average assets | 2.9568% | 252 |
| Noninterest expense to average assets | 3.3040% | 2,263 |
| Loan and lease loss provision to assets | 0.1048% | 4,263 |
| Net operating income to assets | 1.1921% | 1,771 |
| Return on assets (ROA) | 1.2020% | 1,899 |
| Pretax return on assets | 1.7947% | 1,059 |
| Return on Equity (ROE) | 13.5756% | 1,201 |
| Retained earnings to average equity (ytd only) | 8.0691% | 1,595 |
| Net charge-offs to loans | 0.2821% | 3,034 |
| Credit loss provision to net charge-offs | 112.5737% | 2,596 |
| Earnings coverage of net charge-offs (x) | 20.2515% | 1,455 |
| Efficiency ratio | 63.6782% | 4,858 |
| Assets per employee ($millions) | 4.4158% | 3,053 |
| Cash dividends to net income (ytd only)* | 40.5618% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 2,388 |
| Loan loss allowance to noncurrent loans | 171.7994% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,612 |
| Noncurrent loans to loans | 1.1228% | 4,179 |
| Net loans and leases to total assets | 33.2603% | 6,690 |
| Net loans and leases to deposits | 55.4133% | 5,680 |
| Net loans and leases to core deposits | 58.1544% | 5,721 |
| Total domestic deposits to total assets | 60.0222% | 7,064 |
| Equity capital to assets | 9.0517% | 5,772 |
| Core capital (leverage) ratio | 7.0952% | 6,777 |
| Tier 1 risk-based capital ratio | 16.4134% | 3,052 |
| Total risk-based capital ratio | 18.7031% | 2,524 |
| Memoranda: | ||
| Average total assets | $2,187,773,000 | 327 |
| Average earning assets | $2,037,922,000 | 315 |
| Average equity | $193,705,250 | 385 |
| Average total loans | $721,710,000 | 572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8206% | 7,038 |
| Cost of funding earning assets | 0.3860% | 6,349 |
| Net interest margin | 2.4346% | 6,942 |
| Noninterest income to average assets | 2.9539% | 249 |
| Noninterest expense to average assets | 3.3018% | 2,296 |
| Loan and lease loss provision to assets | 0.1045% | 4,219 |
| Net operating income to assets | 1.2141% | 1,665 |
| Return on assets (ROA) | 1.2217% | 1,828 |
| Pretax return on assets | 1.8212% | 1,000 |
| Return on Equity (ROE) | 13.9041% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.9041% | 357 |
| Net charge-offs to loans | 0.3532% | 2,603 |
| Credit loss provision to net charge-offs | 90.5976% | 3,031 |
| Earnings coverage of net charge-offs (x) | 16.5904% | 1,585 |
| Efficiency ratio | 63.2987% | 5,025 |
| Assets per employee ($millions) | 4.4647% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,329 |
| Loan loss allowance to noncurrent loans | 144.3330% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,555 |
| Noncurrent loans to loans | 1.3609% | 3,884 |
| Net loans and leases to total assets | 31.4820% | 6,831 |
| Net loans and leases to deposits | 54.4636% | 5,821 |
| Net loans and leases to core deposits | 57.7540% | 5,794 |
| Total domestic deposits to total assets | 57.8038% | 7,149 |
| Equity capital to assets | 8.8475% | 5,857 |
| Core capital (leverage) ratio | 7.0549% | 6,804 |
| Tier 1 risk-based capital ratio | 16.7367% | 2,795 |
| Total risk-based capital ratio | 19.0040% | 2,346 |
| Memoranda: | ||
| Average total assets | $2,175,181,000 | 328 |
| Average earning assets | $2,021,296,000 | 315 |
| Average equity | $191,123,330 | 385 |
| Average total loans | $710,685,330 | 582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8958% | 7,080 |
| Cost of funding earning assets | 0.3994% | 6,413 |
| Net interest margin | 2.4963% | 6,955 |
| Noninterest income to average assets | 3.0188% | 239 |
| Noninterest expense to average assets | 3.4652% | 1,833 |
| Loan and lease loss provision to assets | 0.1054% | 4,027 |
| Net operating income to assets | 1.1873% | 1,777 |
| Return on assets (ROA) | 1.1984% | 1,920 |
| Pretax return on assets | 1.7814% | 1,118 |
| Return on Equity (ROE) | 13.6893% | 1,257 |
| Retained earnings to average equity (ytd only) | 13.6893% | 601 |
| Net charge-offs to loans | 0.2235% | 2,804 |
| Credit loss provision to net charge-offs | 143.0025% | 1,721 |
| Earnings coverage of net charge-offs (x) | 25.3791% | 1,030 |
| Efficiency ratio | 64.9469% | 4,747 |
| Assets per employee ($millions) | 4.4361% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 2,206 |
| Loan loss allowance to noncurrent loans | 154.7971% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 5,703 |
| Noncurrent loans to loans | 1.3277% | 4,123 |
| Net loans and leases to total assets | 30.6223% | 6,880 |
| Net loans and leases to deposits | 55.0906% | 5,699 |
| Net loans and leases to core deposits | 58.0073% | 5,714 |
| Total domestic deposits to total assets | 55.5853% | 7,225 |
| Equity capital to assets | 8.4340% | 6,143 |
| Core capital (leverage) ratio | 6.9974% | 6,838 |
| Tier 1 risk-based capital ratio | 16.2136% | 3,063 |
| Total risk-based capital ratio | 18.4488% | 2,565 |
| Memoranda: | ||
| Average total assets | $2,133,191,000 | 334 |
| Average earning assets | $1,979,722,500 | 317 |
| Average equity | $186,745,000 | 386 |
| Average total loans | $703,288,000 | 585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0361% | 7,173 |
| Cost of funding earning assets | 0.4285% | 6,806 |
| Net interest margin | 2.6077% | 6,995 |
| Noninterest income to average assets | 3.0601% | 206 |
| Noninterest expense to average assets | 3.6154% | 1,715 |
| Loan and lease loss provision to assets | 0.1101% | 5,213 |
| Net operating income to assets | 1.1787% | 1,573 |
| Return on assets (ROA) | 1.1821% | 1,675 |
| Pretax return on assets | 1.7615% | 873 |
| Return on Equity (ROE) | 14.4927% | 828 |
| Retained earnings to average equity (ytd only) | 7.4917% | 1,278 |
| Net charge-offs to loans | 0.2970% | 3,922 |
| Credit loss provision to net charge-offs | 110.3481% | 3,031 |
| Earnings coverage of net charge-offs (x) | 18.7043% | 1,202 |
| Efficiency ratio | 65.9511% | 4,782 |
| Assets per employee ($millions) | 3.8390% | 4,230 |
| Cash dividends to net income (ytd only)* | 48.3072% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 2,113 |
| Loan loss allowance to noncurrent loans | 139.5629% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 5,537 |
| Noncurrent loans to loans | 1.4723% | 3,950 |
| Net loans and leases to total assets | 34.1756% | 6,860 |
| Net loans and leases to deposits | 57.8453% | 5,708 |
| Net loans and leases to core deposits | 61.0991% | 5,744 |
| Total domestic deposits to total assets | 59.0810% | 7,239 |
| Equity capital to assets | 9.1159% | 5,395 |
| Core capital (leverage) ratio | 7.1759% | 6,799 |
| Tier 1 risk-based capital ratio | 15.8594% | 3,123 |
| Total risk-based capital ratio | 18.0713% | 2,645 |
| Memoranda: | ||
| Average total assets | $2,101,398,600 | 329 |
| Average earning assets | $1,951,624,000 | 315 |
| Average equity | $171,404,000 | 413 |
| Average total loans | $705,981,600 | 584 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0258% | 7,255 |
| Cost of funding earning assets | 0.4331% | 6,929 |
| Net interest margin | 2.5927% | 7,079 |
| Noninterest income to average assets | 3.0747% | 210 |
| Noninterest expense to average assets | 3.5271% | 1,866 |
| Loan and lease loss provision to assets | 0.1078% | 5,089 |
| Net operating income to assets | 1.2384% | 1,544 |
| Return on assets (ROA) | 1.2429% | 1,639 |
| Pretax return on assets | 1.8622% | 841 |
| Return on Equity (ROE) | 15.6728% | 724 |
| Retained earnings to average equity (ytd only) | 10.1367% | 807 |
| Net charge-offs to loans | 0.2329% | 3,971 |
| Credit loss provision to net charge-offs | 139.0777% | 2,295 |
| Earnings coverage of net charge-offs (x) | 25.3244% | 1,052 |
| Efficiency ratio | 64.2421% | 5,026 |
| Assets per employee ($millions) | 4.3743% | 3,126 |
| Cash dividends to net income (ytd only)* | 35.3232% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 2,193 |
| Loan loss allowance to noncurrent loans | 154.3183% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 5,892 |
| Noncurrent loans to loans | 1.3313% | 4,309 |
| Net loans and leases to total assets | 30.6731% | 7,068 |
| Net loans and leases to deposits | 58.9868% | 5,748 |
| Net loans and leases to core deposits | 62.3969% | 5,785 |
| Total domestic deposits to total assets | 51.9999% | 7,351 |
| Equity capital to assets | 7.8452% | 6,783 |
| Core capital (leverage) ratio | 6.8015% | 7,009 |
| Tier 1 risk-based capital ratio | 15.2289% | 3,534 |
| Total risk-based capital ratio | 17.2223% | 3,090 |
| Memoranda: | ||
| Average total assets | $2,125,752,750 | 328 |
| Average earning assets | $1,980,582,250 | 313 |
| Average equity | $168,585,000 | 428 |
| Average total loans | $707,666,750 | 588 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1483% | 7,301 |
| Cost of funding earning assets | 0.4554% | 6,988 |
| Net interest margin | 2.6929% | 7,038 |
| Noninterest income to average assets | 3.1846% | 215 |
| Noninterest expense to average assets | 3.5829% | 1,777 |
| Loan and lease loss provision to assets | 0.1079% | 4,954 |
| Net operating income to assets | 1.3358% | 1,227 |
| Return on assets (ROA) | 1.3428% | 1,284 |
| Pretax return on assets | 2.0149% | 572 |
| Return on Equity (ROE) | 16.8654% | 565 |
| Retained earnings to average equity (ytd only) | 8.3958% | 1,305 |
| Net charge-offs to loans | 0.2668% | 3,553 |
| Credit loss provision to net charge-offs | 118.8960% | 2,581 |
| Earnings coverage of net charge-offs (x) | 23.2781% | 1,093 |
| Efficiency ratio | 62.9100% | 5,418 |
| Assets per employee ($millions) | 4.4608% | 2,907 |
| Cash dividends to net income (ytd only)* | 50.2188% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 2,304 |
| Loan loss allowance to noncurrent loans | 142.4212% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,925 |
| Noncurrent loans to loans | 1.4203% | 4,289 |
| Net loans and leases to total assets | 30.0942% | 7,176 |
| Net loans and leases to deposits | 44.6582% | 6,900 |
| Net loans and leases to core deposits | 46.5619% | 6,908 |
| Total domestic deposits to total assets | 67.3877% | 7,220 |
| Equity capital to assets | 7.4673% | 6,965 |
| Core capital (leverage) ratio | 6.9705% | 7,005 |
| Tier 1 risk-based capital ratio | 15.2350% | 3,379 |
| Total risk-based capital ratio | 17.4591% | 2,844 |
| Memoranda: | ||
| Average total assets | $2,076,129,330 | 339 |
| Average earning assets | $1,935,706,000 | 325 |
| Average equity | $165,297,000 | 437 |
| Average total loans | $706,112,000 | 600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 7,303 |
| Cost of funding earning assets | 0.4942% | 6,991 |
| Net interest margin | 2.8361% | 6,856 |
| Noninterest income to average assets | 3.2382% | 200 |
| Noninterest expense to average assets | 3.7567% | 1,428 |
| Loan and lease loss provision to assets | 0.1093% | 4,649 |
| Net operating income to assets | 1.3429% | 1,167 |
| Return on assets (ROA) | 1.3429% | 1,216 |
| Pretax return on assets | 2.0069% | 557 |
| Return on Equity (ROE) | 16.2730% | 646 |
| Retained earnings to average equity (ytd only) | 7.6224% | 1,878 |
| Net charge-offs to loans | 0.4210% | 2,426 |
| Credit loss provision to net charge-offs | 72.2372% | 3,310 |
| Earnings coverage of net charge-offs (x) | 13.9825% | 1,396 |
| Efficiency ratio | 63.9669% | 5,368 |
| Assets per employee ($millions) | 3.7741% | 4,360 |
| Cash dividends to net income (ytd only)* | 53.1592% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 2,460 |
| Loan loss allowance to noncurrent loans | 169.5235% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 5,989 |
| Noncurrent loans to loans | 1.1704% | 4,743 |
| Net loans and leases to total assets | 35.3731% | 7,030 |
| Net loans and leases to deposits | 54.0718% | 6,287 |
| Net loans and leases to core deposits | 57.0519% | 6,339 |
| Total domestic deposits to total assets | 65.4188% | 7,343 |
| Equity capital to assets | 8.4465% | 5,986 |
| Core capital (leverage) ratio | 7.0046% | 7,005 |
| Tier 1 risk-based capital ratio | 15.2159% | 3,308 |
| Total risk-based capital ratio | 17.4619% | 2,769 |
| Memoranda: | ||
| Average total assets | $1,961,065,500 | 360 |
| Average earning assets | $1,821,776,000 | 348 |
| Average equity | $161,838,500 | 442 |
| Average total loans | $704,979,000 | 605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 7,372 |
| Cost of funding earning assets | 0.5645% | 7,196 |
| Net interest margin | 2.9767% | 6,780 |
| Noninterest income to average assets | 3.4773% | 198 |
| Noninterest expense to average assets | 4.0943% | 1,031 |
| Loan and lease loss provision to assets | 0.1477% | 5,714 |
| Net operating income to assets | 1.3011% | 1,173 |
| Return on assets (ROA) | 1.2995% | 1,232 |
| Pretax return on assets | 1.9875% | 488 |
| Return on Equity (ROE) | 15.6969% | 614 |
| Retained earnings to average equity (ytd only) | 3.7213% | 3,261 |
| Net charge-offs to loans | 0.3595% | 4,222 |
| Credit loss provision to net charge-offs | 111.3252% | 3,942 |
| Earnings coverage of net charge-offs (x) | 16.1097% | 1,235 |
| Efficiency ratio | 65.6315% | 5,038 |
| Assets per employee ($millions) | 3.8195% | 4,207 |
| Cash dividends to net income (ytd only)* | 76.2930% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 2,298 |
| Loan loss allowance to noncurrent loans | 134.7073% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 5,820 |
| Noncurrent loans to loans | 1.4856% | 4,251 |
| Net loans and leases to total assets | 35.0937% | 7,197 |
| Net loans and leases to deposits | 53.8960% | 6,615 |
| Net loans and leases to core deposits | 56.4674% | 6,671 |
| Total domestic deposits to total assets | 65.1137% | 7,416 |
| Equity capital to assets | 8.0614% | 6,431 |
| Core capital (leverage) ratio | 7.0244% | 7,014 |
| Tier 1 risk-based capital ratio | 14.9915% | 3,257 |
| Total risk-based capital ratio | 17.1807% | 2,738 |
| Memoranda: | ||
| Average total assets | $1,916,429,200 | 364 |
| Average earning assets | $1,773,495,000 | 351 |
| Average equity | $158,656,000 | 432 |
| Average total loans | $707,404,600 | 616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 7,488 |
| Cost of funding earning assets | 0.5812% | 7,324 |
| Net interest margin | 3.0252% | 6,780 |
| Noninterest income to average assets | 3.5196% | 188 |
| Noninterest expense to average assets | 4.1138% | 923 |
| Loan and lease loss provision to assets | 0.1489% | 5,549 |
| Net operating income to assets | 1.3384% | 1,260 |
| Return on assets (ROA) | 1.3351% | 1,343 |
| Pretax return on assets | 2.0450% | 569 |
| Return on Equity (ROE) | 16.0174% | 701 |
| Retained earnings to average equity (ytd only) | 2.5602% | 4,630 |
| Net charge-offs to loans | 0.2135% | 4,661 |
| Credit loss provision to net charge-offs | 187.4669% | 1,925 |
| Earnings coverage of net charge-offs (x) | 27.6849% | 930 |
| Efficiency ratio | 65.0771% | 5,039 |
| Assets per employee ($millions) | 3.6331% | 4,654 |
| Cash dividends to net income (ytd only)* | 84.0159% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 1,967 |
| Loan loss allowance to noncurrent loans | 133.4351% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 5,794 |
| Noncurrent loans to loans | 1.5853% | 4,263 |
| Net loans and leases to total assets | 36.8063% | 7,232 |
| Net loans and leases to deposits | 62.9271% | 6,028 |
| Net loans and leases to core deposits | 66.2658% | 6,101 |
| Total domestic deposits to total assets | 58.4903% | 7,614 |
| Equity capital to assets | 8.6727% | 6,067 |
| Core capital (leverage) ratio | 6.9605% | 7,185 |
| Tier 1 risk-based capital ratio | 14.9225% | 3,289 |
| Total risk-based capital ratio | 16.9971% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,901,863,750 | 365 |
| Average earning assets | $1,755,955,250 | 350 |
| Average equity | $158,523,250 | 427 |
| Average total loans | $707,470,000 | 618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 7,566 |
| Cost of funding earning assets | 0.5836% | 7,435 |
| Net interest margin | 3.0331% | 6,761 |
| Noninterest income to average assets | 3.5292% | 187 |
| Noninterest expense to average assets | 4.1123% | 909 |
| Loan and lease loss provision to assets | 0.1456% | 5,439 |
| Net operating income to assets | 1.3480% | 1,196 |
| Return on assets (ROA) | 1.3431% | 1,275 |
| Pretax return on assets | 2.0611% | 537 |
| Return on Equity (ROE) | 16.3288% | 659 |
| Retained earnings to average equity (ytd only) | 6.1622% | 2,245 |
| Net charge-offs to loans | 0.2439% | 4,137 |
| Credit loss provision to net charge-offs | 161.0405% | 2,447 |
| Earnings coverage of net charge-offs (x) | 24.4890% | 1,068 |
| Efficiency ratio | 64.9015% | 5,167 |
| Assets per employee ($millions) | 3.5264% | 4,855 |
| Cash dividends to net income (ytd only)* | 62.2617% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 2,195 |
| Loan loss allowance to noncurrent loans | 137.7657% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,889 |
| Noncurrent loans to loans | 1.4489% | 4,536 |
| Net loans and leases to total assets | 38.5327% | 7,243 |
| Net loans and leases to deposits | 66.3907% | 5,758 |
| Net loans and leases to core deposits | 69.8461% | 5,890 |
| Total domestic deposits to total assets | 58.0393% | 7,683 |
| Equity capital to assets | 8.7276% | 5,846 |
| Core capital (leverage) ratio | 7.0383% | 7,164 |
| Tier 1 risk-based capital ratio | 14.5929% | 3,389 |
| Total risk-based capital ratio | 16.4986% | 2,993 |
| Memoranda: | ||
| Average total assets | $1,913,339,000 | 363 |
| Average earning assets | $1,764,568,670 | 350 |
| Average equity | $157,378,670 | 429 |
| Average total loans | $709,230,330 | 621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 7,677 |
| Cost of funding earning assets | 0.5736% | 7,574 |
| Net interest margin | 3.0320% | 6,758 |
| Noninterest income to average assets | 3.4703% | 185 |
| Noninterest expense to average assets | 3.9948% | 1,042 |
| Loan and lease loss provision to assets | 0.1409% | 5,138 |
| Net operating income to assets | 1.3791% | 1,125 |
| Return on assets (ROA) | 1.3791% | 1,200 |
| Pretax return on assets | 2.1350% | 471 |
| Return on Equity (ROE) | 17.2612% | 583 |
| Retained earnings to average equity (ytd only) | 9.5714% | 1,250 |
| Net charge-offs to loans | 0.2303% | 3,544 |
| Credit loss provision to net charge-offs | 169.8765% | 2,143 |
| Earnings coverage of net charge-offs (x) | 27.4395% | 930 |
| Efficiency ratio | 63.6076% | 5,563 |
| Assets per employee ($millions) | 3.5533% | 4,920 |
| Cash dividends to net income (ytd only)* | 44.5500% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,150 |
| Loan loss allowance to noncurrent loans | 174.7714% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 6,201 |
| Noncurrent loans to loans | 1.1520% | 5,063 |
| Net loans and leases to total assets | 37.0444% | 7,387 |
| Net loans and leases to deposits | 66.0143% | 5,820 |
| Net loans and leases to core deposits | 69.3208% | 5,973 |
| Total domestic deposits to total assets | 56.1158% | 7,796 |
| Equity capital to assets | 8.5323% | 5,956 |
| Core capital (leverage) ratio | 7.0282% | 7,235 |
| Tier 1 risk-based capital ratio | 14.3859% | 3,445 |
| Total risk-based capital ratio | 16.4384% | 2,981 |
| Memoranda: | ||
| Average total assets | $1,953,155,000 | 366 |
| Average earning assets | $1,803,966,500 | 356 |
| Average equity | $156,049,000 | 438 |
| Average total loans | $703,362,000 | 645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 7,729 |
| Cost of funding earning assets | 0.7665% | 7,600 |
| Net interest margin | 3.1479% | 6,231 |
| Noninterest income to average assets | 3.5575% | 192 |
| Noninterest expense to average assets | 4.4306% | 854 |
| Loan and lease loss provision to assets | 0.1477% | 6,187 |
| Net operating income to assets | 1.2128% | 1,221 |
| Return on assets (ROA) | 1.2133% | 1,261 |
| Pretax return on assets | 1.9009% | 511 |
| Return on Equity (ROE) | 16.7006% | 483 |
| Retained earnings to average equity (ytd only) | 3.0932% | 2,994 |
| Net charge-offs to loans | 0.2963% | 4,780 |
| Credit loss provision to net charge-offs | 133.2394% | 3,748 |
| Earnings coverage of net charge-offs (x) | 18.4770% | 1,125 |
| Efficiency ratio | 68.2949% | 4,963 |
| Assets per employee ($millions) | 3.8640% | 4,112 |
| Cash dividends to net income (ytd only)* | 81.4786% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,098 |
| Loan loss allowance to noncurrent loans | 154.1190% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 6,224 |
| Noncurrent loans to loans | 1.2774% | 4,791 |
| Net loans and leases to total assets | 33.7066% | 7,604 |
| Net loans and leases to deposits | 58.9767% | 6,705 |
| Net loans and leases to core deposits | 65.7477% | 6,997 |
| Total domestic deposits to total assets | 57.1524% | 7,840 |
| Equity capital to assets | 7.4971% | 7,038 |
| Core capital (leverage) ratio | 7.0013% | 7,239 |
| Tier 1 risk-based capital ratio | 14.0299% | 3,483 |
| Total risk-based capital ratio | 15.9770% | 3,041 |
| Memoranda: | ||
| Average total assets | $1,921,935,000 | 362 |
| Average earning assets | $1,783,326,400 | 357 |
| Average equity | $139,629,600 | 483 |
| Average total loans | $718,939,200 | 642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 7,795 |
| Cost of funding earning assets | 0.8202% | 7,668 |
| Net interest margin | 3.2087% | 5,988 |
| Noninterest income to average assets | 3.5060% | 183 |
| Noninterest expense to average assets | 4.4779% | 762 |
| Loan and lease loss provision to assets | 0.1489% | 5,865 |
| Net operating income to assets | 1.1902% | 1,489 |
| Return on assets (ROA) | 1.1902% | 1,545 |
| Pretax return on assets | 1.8629% | 709 |
| Return on Equity (ROE) | 16.5251% | 594 |
| Retained earnings to average equity (ytd only) | 1.8361% | 4,294 |
| Net charge-offs to loans | 0.2028% | 4,778 |
| Credit loss provision to net charge-offs | 192.0837% | 2,356 |
| Earnings coverage of net charge-offs (x) | 25.9554% | 1,034 |
| Efficiency ratio | 68.9018% | 4,810 |
| Assets per employee ($millions) | 3.3391% | 5,283 |
| Cash dividends to net income (ytd only)* | 88.8889% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 1,876 |
| Loan loss allowance to noncurrent loans | 271.7629% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 6,582 |
| Noncurrent loans to loans | 0.7235% | 5,859 |
| Net loans and leases to total assets | 39.6149% | 7,479 |
| Net loans and leases to deposits | 68.4554% | 6,092 |
| Net loans and leases to core deposits | 77.4582% | 6,529 |
| Total domestic deposits to total assets | 57.8696% | 7,904 |
| Equity capital to assets | 7.9651% | 6,880 |
| Core capital (leverage) ratio | 7.0749% | 7,383 |
| Tier 1 risk-based capital ratio | 14.0755% | 3,505 |
| Total risk-based capital ratio | 16.0304% | 3,092 |
| Memoranda: | ||
| Average total assets | $1,890,438,000 | 383 |
| Average earning assets | $1,757,816,000 | 376 |
| Average equity | $136,153,500 | 501 |
| Average total loans | $722,636,750 | 660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 7,905 |
| Cost of funding earning assets | 0.8347% | 7,775 |
| Net interest margin | 3.1823% | 5,977 |
| Noninterest income to average assets | 3.4332% | 186 |
| Noninterest expense to average assets | 4.4340% | 828 |
| Loan and lease loss provision to assets | 0.1437% | 5,634 |
| Net operating income to assets | 1.1503% | 1,613 |
| Return on assets (ROA) | 1.1503% | 1,697 |
| Pretax return on assets | 1.8066% | 840 |
| Return on Equity (ROE) | 16.5116% | 644 |
| Retained earnings to average equity (ytd only) | 7.5695% | 1,367 |
| Net charge-offs to loans | 0.2074% | 4,216 |
| Credit loss provision to net charge-offs | 184.5333% | 2,484 |
| Earnings coverage of net charge-offs (x) | 25.0453% | 1,135 |
| Efficiency ratio | 69.3534% | 4,909 |
| Assets per employee ($millions) | 3.0811% | 5,916 |
| Cash dividends to net income (ytd only)* | 54.1565% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 1,768 |
| Loan loss allowance to noncurrent loans | 254.4565% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 6,437 |
| Noncurrent loans to loans | 0.7505% | 5,737 |
| Net loans and leases to total assets | 41.8705% | 7,452 |
| Net loans and leases to deposits | 74.3486% | 5,406 |
| Net loans and leases to core deposits | 83.4795% | 6,123 |
| Total domestic deposits to total assets | 56.3165% | 8,001 |
| Equity capital to assets | 8.2738% | 6,379 |
| Core capital (leverage) ratio | 6.1708% | 7,885 |
| Tier 1 risk-based capital ratio | 14.1426% | 3,433 |
| Total risk-based capital ratio | 15.9437% | 3,087 |
| Memoranda: | ||
| Average total assets | $1,926,221,670 | 388 |
| Average earning assets | $1,786,278,330 | 375 |
| Average equity | $134,196,670 | 517 |
| Average total loans | $723,337,330 | 680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 8,029 |
| Cost of funding earning assets | 0.8220% | 7,887 |
| Net interest margin | 3.0157% | 6,438 |
| Noninterest income to average assets | 2.3945% | 265 |
| Noninterest expense to average assets | 3.5053% | 2,087 |
| Loan and lease loss provision to assets | 0.1327% | 5,262 |
| Net operating income to assets | 0.9920% | 2,344 |
| Return on assets (ROA) | 0.9920% | 2,482 |
| Pretax return on assets | 1.5563% | 1,519 |
| Return on Equity (ROE) | 15.4375% | 899 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,063 |
| Net charge-offs to loans | 0.1591% | 3,691 |
| Credit loss provision to net charge-offs | 235.4167% | 1,960 |
| Earnings coverage of net charge-offs (x) | 29.9618% | 1,056 |
| Efficiency ratio | 67.3701% | 5,070 |
| Assets per employee ($millions) | 4.0354% | 3,590 |
| Cash dividends to net income (ytd only)* | 78.9266% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 1,707 |
| Loan loss allowance to noncurrent loans | 264.4475% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 6,616 |
| Noncurrent loans to loans | 0.7047% | 5,651 |
| Net loans and leases to total assets | 32.4912% | 7,852 |
| Net loans and leases to deposits | 57.7824% | 7,051 |
| Net loans and leases to core deposits | 62.7654% | 7,361 |
| Total domestic deposits to total assets | 56.2302% | 8,040 |
| Equity capital to assets | 6.0338% | 7,991 |
| Core capital (leverage) ratio | 5.6218% | 8,065 |
| Tier 1 risk-based capital ratio | 13.7304% | 3,726 |
| Total risk-based capital ratio | 15.4383% | 3,415 |
| Memoranda: | ||
| Average total assets | $2,043,559,000 | 370 |
| Average earning assets | $1,897,252,500 | 356 |
| Average equity | $131,317,000 | 526 |
| Average total loans | $723,981,500 | 687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 7,807 |
| Cost of funding earning assets | 1.8050% | 6,990 |
| Net interest margin | 3.2451% | 6,227 |
| Noninterest income to average assets | 5.9990% | 107 |
| Noninterest expense to average assets | 5.1218% | 593 |
| Loan and lease loss provision to assets | 0.1216% | 5,803 |
| Net operating income to assets | 2.3216% | 183 |
| Return on assets (ROA) | 2.3882% | 157 |
| Pretax return on assets | 3.7822% | 66 |
| Return on Equity (ROE) | 31.3189% | 49 |
| Retained earnings to average equity (ytd only) | 6.1968% | 1,440 |
| Net charge-offs to loans | 0.2680% | 3,615 |
| Credit loss provision to net charge-offs | 109.9738% | 4,901 |
| Earnings coverage of net charge-offs (x) | 34.3606% | 1,056 |
| Efficiency ratio | 57.3311% | 6,813 |
| Assets per employee ($millions) | 3.5035% | 4,647 |
| Cash dividends to net income (ytd only)* | 80.2139% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 1,578 |
| Loan loss allowance to noncurrent loans | 252.2531% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 6,276 |
| Noncurrent loans to loans | 0.7231% | 5,227 |
| Net loans and leases to total assets | 37.4233% | 7,777 |
| Net loans and leases to deposits | 63.2109% | 6,862 |
| Net loans and leases to core deposits | 69.2421% | 7,233 |
| Total domestic deposits to total assets | 59.2039% | 7,987 |
| Equity capital to assets | 6.8809% | 7,790 |
| Core capital (leverage) ratio | 6.2736% | 7,999 |
| Tier 1 risk-based capital ratio | 13.6175% | 3,750 |
| Total risk-based capital ratio | 15.4522% | 3,367 |
| Memoranda: | ||
| Average total assets | $1,722,663,400 | 413 |
| Average earning assets | $1,551,427,800 | 412 |
| Average equity | $131,358,400 | 529 |
| Average total loans | $710,828,400 | 671 |