Home > The First National Bank of Long Island > Performance and Condition Ratios
The First National Bank of Long Island, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 4,086 |
| Cost of funding earning assets | 2.3541% | 1,248 |
| Net interest margin | 1.8318% | 4,378 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 1.4791% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4720% | 3,465 |
| Return on assets (ROA) | 0.4720% | 3,488 |
| Pretax return on assets | 0.4958% | 3,582 |
| Return on Equity (ROE) | 5.2900% | 3,390 |
| Retained earnings to average equity (ytd only) | -8.4436% | 4,256 |
| Net charge-offs to loans | 0.0811% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 7.9711% | 1,737 |
| Efficiency ratio | 74.9821% | 1,648 |
| Assets per employee ($millions) | 14.8250% | 220 |
| Cash dividends to net income (ytd only)* | 259.5328% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 3,770 |
| Loan loss allowance to noncurrent loans | 2,417.6621% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,545 |
| Noncurrent loans to loans | 0.0362% | 3,511 |
| Net loans and leases to total assets | 75.4000% | 1,154 |
| Net loans and leases to deposits | 96.3837% | 690 |
| Net loans and leases to core deposits | 108.8048% | 992 |
| Total domestic deposits to total assets | 78.2300% | 3,765 |
| Equity capital to assets | 8.7894% | 2,818 |
| Core capital (leverage) ratio | 9.9178% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $4,244,789,000 | 317 |
| Average earning assets | $3,965,299,000 | 305 |
| Average equity | $378,559,500 | 346 |
| Average total loans | $3,242,319,000 | 295 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 4,052 |
| Cost of funding earning assets | 1.7345% | 1,379 |
| Net interest margin | 2.1954% | 4,319 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.4661% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7244% | 3,119 |
| Return on assets (ROA) | 0.6515% | 3,289 |
| Pretax return on assets | 0.7397% | 3,359 |
| Return on Equity (ROE) | 7.5300% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.4327% | 3,151 |
| Net charge-offs to loans | 0.0647% | 1,203 |
| Credit loss provision to net charge-offs | -15.4210% | 4,428 |
| Earnings coverage of net charge-offs (x) | 16.3869% | 2,006 |
| Efficiency ratio | 64.1651% | 2,589 |
| Assets per employee ($millions) | 14.7041% | 226 |
| Cash dividends to net income (ytd only)* | 54.4168% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 3,738 |
| Loan loss allowance to noncurrent loans | 2,753.2764% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,534 |
| Noncurrent loans to loans | 0.0324% | 3,503 |
| Net loans and leases to total assets | 76.0100% | 1,114 |
| Net loans and leases to deposits | 98.3934% | 624 |
| Net loans and leases to core deposits | 109.5916% | 974 |
| Total domestic deposits to total assets | 77.2600% | 3,817 |
| Equity capital to assets | 9.0477% | 2,643 |
| Core capital (leverage) ratio | 10.1259% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,230,891,200 | 309 |
| Average earning assets | $3,956,337,200 | 301 |
| Average equity | $366,043,000 | 336 |
| Average total loans | $3,267,877,400 | 280 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 4,053 |
| Cost of funding earning assets | 1.6061% | 1,363 |
| Net interest margin | 2.2548% | 4,324 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.4903% | 4,320 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.7770% | 3,094 |
| Return on assets (ROA) | 0.6813% | 3,350 |
| Pretax return on assets | 0.7824% | 3,374 |
| Return on Equity (ROE) | 7.9700% | 3,195 |
| Retained earnings to average equity (ytd only) | 2.6219% | 3,605 |
| Net charge-offs to loans | 0.0221% | 1,657 |
| Credit loss provision to net charge-offs | -226.3838% | 4,550 |
| Earnings coverage of net charge-offs (x) | 49.9096% | 1,319 |
| Efficiency ratio | 63.6074% | 2,545 |
| Assets per employee ($millions) | 14.3397% | 226 |
| Cash dividends to net income (ytd only)* | 67.0861% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 3,690 |
| Loan loss allowance to noncurrent loans | 1,483,150.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,899 |
| Noncurrent loans to loans | 0.0001% | 3,846 |
| Net loans and leases to total assets | 76.5000% | 1,066 |
| Net loans and leases to deposits | 93.6932% | 922 |
| Net loans and leases to core deposits | 103.8763% | 1,127 |
| Total domestic deposits to total assets | 81.6500% | 3,282 |
| Equity capital to assets | 8.4058% | 2,787 |
| Core capital (leverage) ratio | 10.0041% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,229,915,750 | 311 |
| Average earning assets | $3,956,117,750 | 302 |
| Average equity | $361,766,000 | 342 |
| Average total loans | $3,272,830,750 | 281 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,097 |
| Cost of funding earning assets | 1.4461% | 1,349 |
| Net interest margin | 2.2936% | 4,370 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.4905% | 4,345 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.8281% | 2,992 |
| Return on assets (ROA) | 0.6847% | 3,376 |
| Pretax return on assets | 0.7879% | 3,421 |
| Return on Equity (ROE) | 7.9600% | 3,241 |
| Retained earnings to average equity (ytd only) | 2.4699% | 3,607 |
| Net charge-offs to loans | 0.0249% | 1,386 |
| Credit loss provision to net charge-offs | -258.1907% | 4,574 |
| Earnings coverage of net charge-offs (x) | 46.6944% | 1,321 |
| Efficiency ratio | 62.2994% | 2,675 |
| Assets per employee ($millions) | 14.1742% | 227 |
| Cash dividends to net income (ytd only)* | 68.9750% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 3,724 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.3500% | 1,014 |
| Net loans and leases to deposits | 93.7038% | 890 |
| Net loans and leases to core deposits | 103.3465% | 1,077 |
| Total domestic deposits to total assets | 81.4800% | 3,344 |
| Equity capital to assets | 8.6056% | 2,774 |
| Core capital (leverage) ratio | 10.0856% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,234,596,000 | 302 |
| Average earning assets | $3,965,214,333 | 292 |
| Average equity | $364,228,000 | 329 |
| Average total loans | $3,278,816,667 | 269 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,119 |
| Cost of funding earning assets | 1.2493% | 1,344 |
| Net interest margin | 2.3840% | 4,394 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.4946% | 4,392 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.9575% | 2,662 |
| Return on assets (ROA) | 0.6640% | 3,497 |
| Pretax return on assets | 0.7476% | 3,566 |
| Return on Equity (ROE) | 7.7200% | 3,367 |
| Retained earnings to average equity (ytd only) | -3.2672% | 4,249 |
| Net charge-offs to loans | 0.0203% | 1,270 |
| Credit loss provision to net charge-offs | -632.3353% | 4,636 |
| Earnings coverage of net charge-offs (x) | 61.7964% | 1,002 |
| Efficiency ratio | 60.5142% | 2,891 |
| Assets per employee ($millions) | 14.0954% | 241 |
| Cash dividends to net income (ytd only)* | 142.3082% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 3,781 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.1200% | 865 |
| Net loans and leases to deposits | 94.9722% | 721 |
| Net loans and leases to core deposits | 104.3394% | 907 |
| Total domestic deposits to total assets | 81.2100% | 3,606 |
| Equity capital to assets | 8.7051% | 2,732 |
| Core capital (leverage) ratio | 9.8092% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,232,853,500 | 310 |
| Average earning assets | $3,965,508,500 | 300 |
| Average equity | $363,985,000 | 341 |
| Average total loans | $3,285,276,000 | 274 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 3,389 |
| Cost of funding earning assets | 0.4662% | 1,605 |
| Net interest margin | 2.9157% | 3,642 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.5982% | 4,310 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1592% | 1,938 |
| Return on assets (ROA) | 1.1591% | 1,873 |
| Pretax return on assets | 1.4448% | 1,636 |
| Return on Equity (ROE) | 12.9400% | 1,832 |
| Retained earnings to average equity (ytd only) | 3.3135% | 3,623 |
| Net charge-offs to loans | 0.0224% | 1,617 |
| Credit loss provision to net charge-offs | 319.3151% | 889 |
| Earnings coverage of net charge-offs (x) | 86.7685% | 1,043 |
| Efficiency ratio | 51.6119% | 4,018 |
| Assets per employee ($millions) | 14.1234% | 237 |
| Cash dividends to net income (ytd only)* | 74.3938% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,604 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 76.6500% | 945 |
| Net loans and leases to deposits | 94.6564% | 741 |
| Net loans and leases to core deposits | 102.8998% | 857 |
| Total domestic deposits to total assets | 80.9800% | 3,759 |
| Equity capital to assets | 8.4953% | 2,706 |
| Core capital (leverage) ratio | 9.8110% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,227,209,800 | 304 |
| Average earning assets | $3,968,418,600 | 294 |
| Average equity | $378,630,000 | 324 |
| Average total loans | $3,262,368,800 | 266 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,113 |
| Cost of funding earning assets | 0.3636% | 1,581 |
| Net interest margin | 2.9629% | 3,318 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.4926% | 4,425 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2182% | 1,641 |
| Return on assets (ROA) | 1.2182% | 1,612 |
| Pretax return on assets | 1.5193% | 1,358 |
| Return on Equity (ROE) | 13.4300% | 1,581 |
| Retained earnings to average equity (ytd only) | 3.8541% | 3,494 |
| Net charge-offs to loans | 0.0300% | 1,235 |
| Credit loss provision to net charge-offs | 307.1038% | 803 |
| Earnings coverage of net charge-offs (x) | 68.6776% | 1,112 |
| Efficiency ratio | 48.4125% | 4,250 |
| Assets per employee ($millions) | 13.8837% | 243 |
| Cash dividends to net income (ytd only)* | 71.2913% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,735 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.9700% | 803 |
| Net loans and leases to deposits | 92.0512% | 764 |
| Net loans and leases to core deposits | 98.2762% | 887 |
| Total domestic deposits to total assets | 83.6100% | 3,578 |
| Equity capital to assets | 8.3712% | 2,624 |
| Core capital (leverage) ratio | 9.7456% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $4,214,166,250 | 303 |
| Average earning assets | $3,957,941,250 | 294 |
| Average equity | $382,400,750 | 320 |
| Average total loans | $3,250,027,750 | 263 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 2,910 |
| Cost of funding earning assets | 0.3156% | 1,569 |
| Net interest margin | 2.9286% | 3,094 |
| Noninterest income to average assets | 0.3079% | 3,318 |
| Noninterest expense to average assets | 1.4732% | 4,451 |
| Loan and lease loss provision to assets | 0.0555% | 1,587 |
| Net operating income to assets | 1.2247% | 1,352 |
| Return on assets (ROA) | 1.2247% | 1,333 |
| Pretax return on assets | 1.5340% | 1,093 |
| Return on Equity (ROE) | 13.1485% | 1,345 |
| Retained earnings to average equity (ytd only) | 3.3064% | 3,347 |
| Net charge-offs to loans | 0.0078% | 1,709 |
| Credit loss provision to net charge-offs | 927.2000% | 426 |
| Earnings coverage of net charge-offs (x) | 266.3280% | 442 |
| Efficiency ratio | 48.1012% | 4,340 |
| Assets per employee ($millions) | 14.0379% | 234 |
| Cash dividends to net income (ytd only)* | 74.8538% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,877 |
| Loan loss allowance to noncurrent loans | 11,871.1538% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,987 |
| Noncurrent loans to loans | 0.0078% | 3,941 |
| Net loans and leases to total assets | 76.6814% | 662 |
| Net loans and leases to deposits | 91.6474% | 628 |
| Net loans and leases to core deposits | 97.4924% | 779 |
| Total domestic deposits to total assets | 83.6701% | 3,751 |
| Equity capital to assets | 8.7244% | 2,596 |
| Core capital (leverage) ratio | 9.8396% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,188,872,333 | 301 |
| Average earning assets | $3,940,367,667 | 296 |
| Average equity | $390,158,000 | 313 |
| Average total loans | $3,222,302,667 | 264 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1881% | 2,722 |
| Cost of funding earning assets | 0.3101% | 1,553 |
| Net interest margin | 2.8780% | 2,902 |
| Noninterest income to average assets | 0.3317% | 3,112 |
| Noninterest expense to average assets | 1.4672% | 4,462 |
| Loan and lease loss provision to assets | 0.0402% | 1,632 |
| Net operating income to assets | 1.2070% | 1,231 |
| Return on assets (ROA) | 1.2070% | 1,219 |
| Pretax return on assets | 1.5377% | 942 |
| Return on Equity (ROE) | 12.5445% | 1,144 |
| Retained earnings to average equity (ytd only) | -4.7749% | 4,417 |
| Net charge-offs to loans | -0.0029% | 3,178 |
| Credit loss provision to net charge-offs | -1,882.6087% | 3,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1816% | 4,393 |
| Assets per employee ($millions) | 13.6922% | 267 |
| Cash dividends to net income (ytd only)* | 138.0639% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 3,930 |
| Loan loss allowance to noncurrent loans | 2,452.3887% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,747 |
| Noncurrent loans to loans | 0.0383% | 3,704 |
| Net loans and leases to total assets | 76.2814% | 492 |
| Net loans and leases to deposits | 90.0421% | 510 |
| Net loans and leases to core deposits | 94.1781% | 727 |
| Total domestic deposits to total assets | 84.7174% | 3,609 |
| Equity capital to assets | 9.0942% | 2,630 |
| Core capital (leverage) ratio | 9.9554% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,128,495,500 | 308 |
| Average earning assets | $3,892,253,000 | 301 |
| Average equity | $397,242,000 | 317 |
| Average total loans | $3,165,680,500 | 267 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 3,593 |
| Cost of funding earning assets | 0.4134% | 1,448 |
| Net interest margin | 2.7328% | 3,809 |
| Noninterest income to average assets | 0.2785% | 3,719 |
| Noninterest expense to average assets | 1.6153% | 4,406 |
| Loan and lease loss provision to assets | -0.0605% | 4,408 |
| Net operating income to assets | 1.0756% | 2,386 |
| Return on assets (ROA) | 1.0974% | 2,368 |
| Pretax return on assets | 1.3433% | 2,229 |
| Return on Equity (ROE) | 10.9608% | 2,178 |
| Retained earnings to average equity (ytd only) | 2.9101% | 3,672 |
| Net charge-offs to loans | 0.0211% | 1,846 |
| Credit loss provision to net charge-offs | -406.4771% | 3,704 |
| Earnings coverage of net charge-offs (x) | 81.7409% | 984 |
| Efficiency ratio | 56.2524% | 3,676 |
| Assets per employee ($millions) | 12.7899% | 333 |
| Cash dividends to net income (ytd only)* | 73.4497% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 3,903 |
| Loan loss allowance to noncurrent loans | 2,415.4656% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,816 |
| Noncurrent loans to loans | 0.0398% | 3,788 |
| Net loans and leases to total assets | 75.6101% | 541 |
| Net loans and leases to deposits | 92.7511% | 427 |
| Net loans and leases to core deposits | 94.2242% | 769 |
| Total domestic deposits to total assets | 81.5193% | 4,038 |
| Equity capital to assets | 10.1656% | 2,504 |
| Core capital (leverage) ratio | 10.2284% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,118,831,200 | 296 |
| Average earning assets | $3,908,235,400 | 288 |
| Average equity | $412,387,600 | 310 |
| Average total loans | $3,003,913,200 | 270 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1329% | 3,739 |
| Cost of funding earning assets | 0.4348% | 1,456 |
| Net interest margin | 2.6981% | 3,978 |
| Noninterest income to average assets | 0.2778% | 3,766 |
| Noninterest expense to average assets | 1.5261% | 4,566 |
| Loan and lease loss provision to assets | -0.0994% | 4,603 |
| Net operating income to assets | 1.1292% | 2,439 |
| Return on assets (ROA) | 1.1448% | 2,449 |
| Pretax return on assets | 1.4339% | 2,200 |
| Return on Equity (ROE) | 11.4776% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.1042% | 3,179 |
| Net charge-offs to loans | 0.0207% | 1,635 |
| Credit loss provision to net charge-offs | -660.4752% | 3,733 |
| Earnings coverage of net charge-offs (x) | 88.0108% | 935 |
| Efficiency ratio | 53.7164% | 3,844 |
| Assets per employee ($millions) | 12.6792% | 322 |
| Cash dividends to net income (ytd only)* | 55.5289% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,784 |
| Loan loss allowance to noncurrent loans | 2,389.9595% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,966 |
| Noncurrent loans to loans | 0.0426% | 3,903 |
| Net loans and leases to total assets | 70.1253% | 1,067 |
| Net loans and leases to deposits | 85.1772% | 878 |
| Net loans and leases to core deposits | 86.5060% | 1,257 |
| Total domestic deposits to total assets | 82.3287% | 3,856 |
| Equity capital to assets | 10.2533% | 2,650 |
| Core capital (leverage) ratio | 10.0680% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,131,741,500 | 297 |
| Average earning assets | $3,925,299,750 | 287 |
| Average equity | $412,120,750 | 306 |
| Average total loans | $2,978,632,500 | 273 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 3,768 |
| Cost of funding earning assets | 0.4658% | 1,411 |
| Net interest margin | 2.6840% | 4,013 |
| Noninterest income to average assets | 0.2777% | 3,751 |
| Noninterest expense to average assets | 1.5032% | 4,618 |
| Loan and lease loss provision to assets | -0.0789% | 4,578 |
| Net operating income to assets | 1.1177% | 2,480 |
| Return on assets (ROA) | 1.1411% | 2,459 |
| Pretax return on assets | 1.4322% | 2,235 |
| Return on Equity (ROE) | 11.5461% | 2,216 |
| Retained earnings to average equity (ytd only) | 5.1484% | 3,133 |
| Net charge-offs to loans | 0.0306% | 1,357 |
| Credit loss provision to net charge-offs | -349.7826% | 3,365 |
| Earnings coverage of net charge-offs (x) | 59.6413% | 975 |
| Efficiency ratio | 53.1674% | 3,909 |
| Assets per employee ($millions) | 12.2328% | 327 |
| Cash dividends to net income (ytd only)* | 55.4099% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,633 |
| Loan loss allowance to noncurrent loans | 11,910.7692% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,271 |
| Noncurrent loans to loans | 0.0088% | 4,196 |
| Net loans and leases to total assets | 71.1015% | 1,067 |
| Net loans and leases to deposits | 86.3691% | 894 |
| Net loans and leases to core deposits | 87.7011% | 1,289 |
| Total domestic deposits to total assets | 82.3229% | 3,857 |
| Equity capital to assets | 10.1379% | 2,733 |
| Core capital (leverage) ratio | 9.8250% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,143,863,000 | 298 |
| Average earning assets | $3,936,487,667 | 286 |
| Average equity | $409,523,667 | 305 |
| Average total loans | $3,004,372,333 | 270 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 3,851 |
| Cost of funding earning assets | 0.4944% | 1,423 |
| Net interest margin | 2.6213% | 4,111 |
| Noninterest income to average assets | 0.2813% | 3,714 |
| Noninterest expense to average assets | 1.5110% | 4,639 |
| Loan and lease loss provision to assets | -0.0758% | 4,692 |
| Net operating income to assets | 1.0777% | 2,546 |
| Return on assets (ROA) | 1.1249% | 2,473 |
| Pretax return on assets | 1.3945% | 2,300 |
| Return on Equity (ROE) | 11.5298% | 2,179 |
| Retained earnings to average equity (ytd only) | 1.5776% | 4,104 |
| Net charge-offs to loans | 0.0590% | 928 |
| Credit loss provision to net charge-offs | -220.5817% | 2,993 |
| Earnings coverage of net charge-offs (x) | 29.3311% | 1,103 |
| Efficiency ratio | 54.5199% | 3,733 |
| Assets per employee ($millions) | 12.4377% | 311 |
| Cash dividends to net income (ytd only)* | 86.3174% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,678 |
| Loan loss allowance to noncurrent loans | 12,155.3846% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,351 |
| Noncurrent loans to loans | 0.0086% | 4,276 |
| Net loans and leases to total assets | 70.4011% | 1,236 |
| Net loans and leases to deposits | 84.6717% | 1,079 |
| Net loans and leases to core deposits | 89.9506% | 1,236 |
| Total domestic deposits to total assets | 83.1460% | 3,658 |
| Equity capital to assets | 9.5104% | 3,197 |
| Core capital (leverage) ratio | 9.9278% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,160,678,500 | 294 |
| Average earning assets | $3,952,544,000 | 286 |
| Average equity | $405,940,000 | 307 |
| Average total loans | $3,029,856,000 | 268 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 4,225 |
| Cost of funding earning assets | 0.7513% | 1,438 |
| Net interest margin | 2.6259% | 4,463 |
| Noninterest income to average assets | 0.2810% | 3,798 |
| Noninterest expense to average assets | 1.4960% | 4,782 |
| Loan and lease loss provision to assets | 0.0733% | 3,468 |
| Net operating income to assets | 0.9922% | 2,322 |
| Return on assets (ROA) | 1.0437% | 2,270 |
| Pretax return on assets | 1.2605% | 2,118 |
| Return on Equity (ROE) | 10.9557% | 1,644 |
| Retained earnings to average equity (ytd only) | 4.5341% | 2,513 |
| Net charge-offs to loans | 0.0691% | 1,802 |
| Credit loss provision to net charge-offs | 140.0746% | 2,480 |
| Earnings coverage of net charge-offs (x) | 24.3127% | 1,777 |
| Efficiency ratio | 54.0531% | 4,204 |
| Assets per employee ($millions) | 11.6219% | 351 |
| Cash dividends to net income (ytd only)* | 58.6147% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,511 |
| Loan loss allowance to noncurrent loans | 2,944.4742% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,230 |
| Noncurrent loans to loans | 0.0370% | 4,160 |
| Net loans and leases to total assets | 73.7628% | 1,057 |
| Net loans and leases to deposits | 90.3060% | 906 |
| Net loans and leases to core deposits | 96.8099% | 1,074 |
| Total domestic deposits to total assets | 81.6809% | 3,733 |
| Equity capital to assets | 10.0140% | 3,125 |
| Core capital (leverage) ratio | 9.9791% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,102,844,400 | 287 |
| Average earning assets | $3,885,315,600 | 274 |
| Average equity | $390,863,800 | 301 |
| Average total loans | $3,106,716,600 | 256 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 4,280 |
| Cost of funding earning assets | 0.8163% | 1,413 |
| Net interest margin | 2.6381% | 4,539 |
| Noninterest income to average assets | 0.2720% | 3,840 |
| Noninterest expense to average assets | 1.5216% | 4,787 |
| Loan and lease loss provision to assets | 0.0795% | 3,321 |
| Net operating income to assets | 0.9684% | 2,458 |
| Return on assets (ROA) | 1.0372% | 2,324 |
| Pretax return on assets | 1.2512% | 2,219 |
| Return on Equity (ROE) | 11.0268% | 1,669 |
| Retained earnings to average equity (ytd only) | 4.3731% | 2,860 |
| Net charge-offs to loans | 0.0783% | 1,527 |
| Credit loss provision to net charge-offs | 133.5150% | 2,425 |
| Earnings coverage of net charge-offs (x) | 20.9689% | 1,884 |
| Efficiency ratio | 54.9443% | 4,046 |
| Assets per employee ($millions) | 11.4561% | 355 |
| Cash dividends to net income (ytd only)* | 60.3408% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,306 |
| Loan loss allowance to noncurrent loans | 1,522.3770% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,173 |
| Noncurrent loans to loans | 0.0709% | 4,088 |
| Net loans and leases to total assets | 74.9027% | 1,251 |
| Net loans and leases to deposits | 92.4108% | 1,040 |
| Net loans and leases to core deposits | 99.4199% | 1,206 |
| Total domestic deposits to total assets | 81.0541% | 3,649 |
| Equity capital to assets | 9.9229% | 3,295 |
| Core capital (leverage) ratio | 9.5779% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,111,641,500 | 281 |
| Average earning assets | $3,892,204,750 | 271 |
| Average equity | $386,745,500 | 299 |
| Average total loans | $3,125,032,250 | 256 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 4,406 |
| Cost of funding earning assets | 0.8973% | 1,388 |
| Net interest margin | 2.6036% | 4,651 |
| Noninterest income to average assets | 0.2696% | 3,864 |
| Noninterest expense to average assets | 1.4071% | 4,902 |
| Loan and lease loss provision to assets | 0.1182% | 2,839 |
| Net operating income to assets | 1.0108% | 2,283 |
| Return on assets (ROA) | 1.0108% | 2,408 |
| Pretax return on assets | 1.2093% | 2,334 |
| Return on Equity (ROE) | 10.9405% | 1,649 |
| Retained earnings to average equity (ytd only) | 2.5862% | 3,553 |
| Net charge-offs to loans | 0.0365% | 2,003 |
| Credit loss provision to net charge-offs | 425.3472% | 1,352 |
| Earnings coverage of net charge-offs (x) | 47.7708% | 1,139 |
| Efficiency ratio | 51.4563% | 4,400 |
| Assets per employee ($millions) | 12.5657% | 279 |
| Cash dividends to net income (ytd only)* | 76.3614% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,175 |
| Loan loss allowance to noncurrent loans | 488.9575% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 3,705 |
| Noncurrent loans to loans | 0.2209% | 3,588 |
| Net loans and leases to total assets | 73.4229% | 1,491 |
| Net loans and leases to deposits | 93.7909% | 978 |
| Net loans and leases to core deposits | 100.9393% | 1,190 |
| Total domestic deposits to total assets | 78.2836% | 4,147 |
| Equity capital to assets | 9.1572% | 3,960 |
| Core capital (leverage) ratio | 9.2822% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,145,643,667 | 273 |
| Average earning assets | $3,924,897,000 | 265 |
| Average equity | $383,037,000 | 302 |
| Average total loans | $3,154,670,333 | 253 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,516 |
| Cost of funding earning assets | 1.0258% | 1,311 |
| Net interest margin | 2.5796% | 4,769 |
| Noninterest income to average assets | 0.2948% | 3,760 |
| Noninterest expense to average assets | 1.4125% | 4,957 |
| Loan and lease loss provision to assets | 0.2303% | 1,347 |
| Net operating income to assets | 0.9199% | 2,455 |
| Return on assets (ROA) | 0.9199% | 2,566 |
| Pretax return on assets | 1.0927% | 2,549 |
| Return on Equity (ROE) | 9.9102% | 1,776 |
| Retained earnings to average equity (ytd only) | -6.9278% | 4,644 |
| Net charge-offs to loans | 0.0545% | 1,464 |
| Credit loss provision to net charge-offs | 548.3721% | 836 |
| Earnings coverage of net charge-offs (x) | 31.4977% | 1,147 |
| Efficiency ratio | 51.6355% | 4,572 |
| Assets per employee ($millions) | 11.7952% | 246 |
| Cash dividends to net income (ytd only)* | 169.9055% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,247 |
| Loan loss allowance to noncurrent loans | 704.5032% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,033 |
| Noncurrent loans to loans | 0.1550% | 3,904 |
| Net loans and leases to total assets | 75.4764% | 1,393 |
| Net loans and leases to deposits | 97.2710% | 791 |
| Net loans and leases to core deposits | 105.7518% | 1,074 |
| Total domestic deposits to total assets | 77.5939% | 4,284 |
| Equity capital to assets | 9.0698% | 4,561 |
| Core capital (leverage) ratio | 9.3583% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,094,870,500 | 268 |
| Average earning assets | $3,874,348,500 | 264 |
| Average equity | $380,093,000 | 303 |
| Average total loans | $3,155,775,000 | 251 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,756 |
| Cost of funding earning assets | 1.1005% | 1,324 |
| Net interest margin | 2.5236% | 4,956 |
| Noninterest income to average assets | 0.2532% | 4,161 |
| Noninterest expense to average assets | 1.3732% | 5,051 |
| Loan and lease loss provision to assets | 0.0008% | 3,964 |
| Net operating income to assets | 1.0584% | 2,625 |
| Return on assets (ROA) | 1.0585% | 2,718 |
| Pretax return on assets | 1.2731% | 2,602 |
| Return on Equity (ROE) | 11.4280% | 1,722 |
| Retained earnings to average equity (ytd only) | -2.9563% | 4,909 |
| Net charge-offs to loans | 0.0491% | 2,416 |
| Credit loss provision to net charge-offs | 2.0860% | 3,379 |
| Earnings coverage of net charge-offs (x) | 33.6941% | 1,469 |
| Efficiency ratio | 51.8769% | 4,612 |
| Assets per employee ($millions) | 12.0141% | 224 |
| Cash dividends to net income (ytd only)* | 125.8692% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,886 |
| Loan loss allowance to noncurrent loans | 3,298.3108% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,551 |
| Noncurrent loans to loans | 0.0279% | 4,455 |
| Net loans and leases to total assets | 77.1078% | 1,243 |
| Net loans and leases to deposits | 100.4208% | 577 |
| Net loans and leases to core deposits | 110.1561% | 842 |
| Total domestic deposits to total assets | 76.7847% | 4,516 |
| Equity capital to assets | 9.4943% | 4,356 |
| Core capital (leverage) ratio | 9.4163% | 4,149 |
| Tier 1 risk-based capital ratio | 14.9287% | 2,809 |
| Total risk-based capital ratio | 16.0619% | 2,789 |
| Memoranda: | ||
| Average total assets | $4,184,573,800 | 259 |
| Average earning assets | $3,969,283,200 | 250 |
| Average equity | $387,574,000 | 296 |
| Average total loans | $3,224,937,400 | 238 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 4,849 |
| Cost of funding earning assets | 1.1138% | 1,292 |
| Net interest margin | 2.5248% | 5,047 |
| Noninterest income to average assets | 0.2498% | 4,247 |
| Noninterest expense to average assets | 1.3268% | 5,131 |
| Loan and lease loss provision to assets | 0.0088% | 3,713 |
| Net operating income to assets | 1.0825% | 2,643 |
| Return on assets (ROA) | 1.0822% | 2,737 |
| Pretax return on assets | 1.3095% | 2,633 |
| Return on Equity (ROE) | 11.7561% | 1,703 |
| Retained earnings to average equity (ytd only) | -3.8244% | 5,019 |
| Net charge-offs to loans | 0.0520% | 2,086 |
| Credit loss provision to net charge-offs | 22.1253% | 2,959 |
| Earnings coverage of net charge-offs (x) | 32.9929% | 1,539 |
| Efficiency ratio | 50.1534% | 4,734 |
| Assets per employee ($millions) | 12.0950% | 214 |
| Cash dividends to net income (ytd only)* | 132.5308% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 3,908 |
| Loan loss allowance to noncurrent loans | 2,637.4558% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,601 |
| Noncurrent loans to loans | 0.0354% | 4,504 |
| Net loans and leases to total assets | 76.1238% | 1,456 |
| Net loans and leases to deposits | 98.1281% | 808 |
| Net loans and leases to core deposits | 108.1824% | 1,045 |
| Total domestic deposits to total assets | 77.5759% | 4,428 |
| Equity capital to assets | 9.3236% | 4,583 |
| Core capital (leverage) ratio | 9.2792% | 4,395 |
| Tier 1 risk-based capital ratio | 14.8832% | 2,908 |
| Total risk-based capital ratio | 16.0333% | 2,885 |
| Memoranda: | ||
| Average total assets | $4,206,514,500 | 259 |
| Average earning assets | $3,991,399,000 | 250 |
| Average equity | $387,226,250 | 301 |
| Average total loans | $3,234,109,500 | 242 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 4,885 |
| Cost of funding earning assets | 1.1159% | 1,238 |
| Net interest margin | 2.5304% | 5,114 |
| Noninterest income to average assets | 0.2445% | 4,288 |
| Noninterest expense to average assets | 1.3268% | 5,195 |
| Loan and lease loss provision to assets | -0.0017% | 5,088 |
| Net operating income to assets | 1.0890% | 2,566 |
| Return on assets (ROA) | 1.0885% | 2,637 |
| Pretax return on assets | 1.3202% | 2,478 |
| Return on Equity (ROE) | 11.8752% | 1,624 |
| Retained earnings to average equity (ytd only) | -6.7298% | 5,112 |
| Net charge-offs to loans | 0.0638% | 1,741 |
| Credit loss provision to net charge-offs | -3.3816% | 3,748 |
| Earnings coverage of net charge-offs (x) | 26.9014% | 1,561 |
| Efficiency ratio | 50.1468% | 4,775 |
| Assets per employee ($millions) | 12.1818% | 197 |
| Cash dividends to net income (ytd only)* | 156.6716% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 3,988 |
| Loan loss allowance to noncurrent loans | 1,090.8025% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,430 |
| Noncurrent loans to loans | 0.0847% | 4,302 |
| Net loans and leases to total assets | 75.9467% | 1,558 |
| Net loans and leases to deposits | 96.0650% | 1,025 |
| Net loans and leases to core deposits | 110.5085% | 948 |
| Total domestic deposits to total assets | 79.0576% | 4,207 |
| Equity capital to assets | 9.1738% | 4,677 |
| Core capital (leverage) ratio | 9.1702% | 4,494 |
| Tier 1 risk-based capital ratio | 14.6895% | 2,971 |
| Total risk-based capital ratio | 15.8255% | 2,951 |
| Memoranda: | ||
| Average total assets | $4,221,787,670 | 257 |
| Average earning assets | $4,006,477,000 | 251 |
| Average equity | $386,993,000 | 300 |
| Average total loans | $3,246,434,670 | 244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 4,919 |
| Cost of funding earning assets | 1.1096% | 1,155 |
| Net interest margin | 2.5302% | 5,179 |
| Noninterest income to average assets | 0.2310% | 4,359 |
| Noninterest expense to average assets | 1.2965% | 5,258 |
| Loan and lease loss provision to assets | -0.0432% | 5,252 |
| Net operating income to assets | 1.1148% | 2,414 |
| Return on assets (ROA) | 1.1148% | 2,460 |
| Pretax return on assets | 1.3798% | 2,158 |
| Return on Equity (ROE) | 12.1667% | 1,476 |
| Retained earnings to average equity (ytd only) | -10.5304% | 5,128 |
| Net charge-offs to loans | 0.0223% | 1,999 |
| Credit loss provision to net charge-offs | -251.0989% | 3,688 |
| Earnings coverage of net charge-offs (x) | 77.6868% | 781 |
| Efficiency ratio | 49.2389% | 4,878 |
| Assets per employee ($millions) | 12.4177% | 182 |
| Cash dividends to net income (ytd only)* | 186.5513% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,043 |
| Loan loss allowance to noncurrent loans | 1,447.6989% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,581 |
| Noncurrent loans to loans | 0.0641% | 4,475 |
| Net loans and leases to total assets | 76.3644% | 1,418 |
| Net loans and leases to deposits | 97.4754% | 843 |
| Net loans and leases to core deposits | 111.2128% | 871 |
| Total domestic deposits to total assets | 78.3422% | 4,460 |
| Equity capital to assets | 9.1199% | 4,601 |
| Core capital (leverage) ratio | 9.1270% | 4,545 |
| Tier 1 risk-based capital ratio | 14.9904% | 2,894 |
| Total risk-based capital ratio | 16.1580% | 2,845 |
| Memoranda: | ||
| Average total assets | $4,231,326,000 | 260 |
| Average earning assets | $4,017,010,000 | 250 |
| Average equity | $387,715,500 | 300 |
| Average total loans | $3,258,858,500 | 244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 4,930 |
| Cost of funding earning assets | 0.9017% | 1,088 |
| Net interest margin | 2.5869% | 5,162 |
| Noninterest income to average assets | 0.3041% | 4,076 |
| Noninterest expense to average assets | 1.3844% | 5,269 |
| Loan and lease loss provision to assets | -0.0421% | 5,179 |
| Net operating income to assets | 1.2312% | 2,041 |
| Return on assets (ROA) | 1.0139% | 2,933 |
| Pretax return on assets | 1.1698% | 3,016 |
| Return on Equity (ROE) | 11.3742% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.1984% | 1,580 |
| Net charge-offs to loans | 0.0376% | 2,647 |
| Credit loss provision to net charge-offs | -147.3552% | 4,435 |
| Earnings coverage of net charge-offs (x) | 48.2385% | 1,158 |
| Efficiency ratio | 50.1250% | 4,936 |
| Assets per employee ($millions) | 12.3274% | 181 |
| Cash dividends to net income (ytd only)* | 36.7125% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,974 |
| Loan loss allowance to noncurrent loans | 1,444.4028% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,592 |
| Noncurrent loans to loans | 0.0654% | 4,457 |
| Net loans and leases to total assets | 76.2283% | 1,574 |
| Net loans and leases to deposits | 104.7780% | 441 |
| Net loans and leases to core deposits | 113.0730% | 829 |
| Total domestic deposits to total assets | 72.7522% | 5,023 |
| Equity capital to assets | 9.2059% | 4,399 |
| Core capital (leverage) ratio | 9.4541% | 4,168 |
| Tier 1 risk-based capital ratio | 15.3789% | 2,672 |
| Total risk-based capital ratio | 16.5724% | 2,615 |
| Memoranda: | ||
| Average total assets | $4,170,847,800 | 253 |
| Average earning assets | $3,962,480,000 | 245 |
| Average equity | $371,790,400 | 303 |
| Average total loans | $3,165,059,400 | 246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4493% | 4,980 |
| Cost of funding earning assets | 0.8708% | 1,033 |
| Net interest margin | 2.5786% | 5,233 |
| Noninterest income to average assets | 0.2795% | 4,277 |
| Noninterest expense to average assets | 1.3807% | 5,334 |
| Loan and lease loss provision to assets | 0.0176% | 3,663 |
| Net operating income to assets | 1.1597% | 2,412 |
| Return on assets (ROA) | 1.0209% | 3,012 |
| Pretax return on assets | 1.1720% | 3,112 |
| Return on Equity (ROE) | 11.5491% | 1,971 |
| Retained earnings to average equity (ytd only) | 7.4818% | 1,891 |
| Net charge-offs to loans | 0.0331% | 2,422 |
| Credit loss provision to net charge-offs | 70.1282% | 2,637 |
| Earnings coverage of net charge-offs (x) | 53.8797% | 1,126 |
| Efficiency ratio | 50.5797% | 4,911 |
| Assets per employee ($millions) | 11.9968% | 198 |
| Cash dividends to net income (ytd only)* | 35.2179% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,522 |
| Loan loss allowance to noncurrent loans | 691.3456% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,399 |
| Noncurrent loans to loans | 0.1506% | 4,213 |
| Net loans and leases to total assets | 75.0767% | 1,798 |
| Net loans and leases to deposits | 100.8064% | 718 |
| Net loans and leases to core deposits | 108.3535% | 1,145 |
| Total domestic deposits to total assets | 74.4761% | 4,938 |
| Equity capital to assets | 8.9289% | 4,609 |
| Core capital (leverage) ratio | 9.1623% | 4,554 |
| Tier 1 risk-based capital ratio | 15.5563% | 2,624 |
| Total risk-based capital ratio | 16.8074% | 2,559 |
| Memoranda: | ||
| Average total assets | $4,153,401,500 | 252 |
| Average earning assets | $3,946,904,000 | 244 |
| Average equity | $367,141,000 | 302 |
| Average total loans | $3,140,474,500 | 246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 4,998 |
| Cost of funding earning assets | 0.8276% | 1,015 |
| Net interest margin | 2.6059% | 5,271 |
| Noninterest income to average assets | 0.2897% | 4,244 |
| Noninterest expense to average assets | 1.4125% | 5,384 |
| Loan and lease loss provision to assets | 0.1123% | 1,764 |
| Net operating income to assets | 1.0490% | 2,814 |
| Return on assets (ROA) | 1.0486% | 2,809 |
| Pretax return on assets | 1.2408% | 2,767 |
| Return on Equity (ROE) | 11.9034% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.8277% | 1,694 |
| Net charge-offs to loans | 0.0172% | 2,572 |
| Credit loss provision to net charge-offs | 867.0412% | 466 |
| Earnings coverage of net charge-offs (x) | 104.4869% | 678 |
| Efficiency ratio | 51.0664% | 4,963 |
| Assets per employee ($millions) | 12.2600% | 180 |
| Cash dividends to net income (ytd only)* | 34.2402% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,253 |
| Loan loss allowance to noncurrent loans | 1,993.9900% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,813 |
| Noncurrent loans to loans | 0.0552% | 4,667 |
| Net loans and leases to total assets | 75.0122% | 1,787 |
| Net loans and leases to deposits | 99.4889% | 839 |
| Net loans and leases to core deposits | 106.9144% | 1,185 |
| Total domestic deposits to total assets | 75.3976% | 4,916 |
| Equity capital to assets | 8.7139% | 4,788 |
| Core capital (leverage) ratio | 8.9870% | 4,701 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,748 |
| Total risk-based capital ratio | 16.5188% | 2,676 |
| Memoranda: | ||
| Average total assets | $4,122,243,330 | 254 |
| Average earning assets | $3,917,325,670 | 244 |
| Average equity | $363,121,670 | 299 |
| Average total loans | $3,113,310,670 | 244 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,056 |
| Cost of funding earning assets | 0.7455% | 1,209 |
| Net interest margin | 2.6235% | 5,308 |
| Noninterest income to average assets | 0.3261% | 3,975 |
| Noninterest expense to average assets | 1.3499% | 5,473 |
| Loan and lease loss provision to assets | 0.1498% | 1,217 |
| Net operating income to assets | 1.1064% | 2,392 |
| Return on assets (ROA) | 1.1064% | 2,408 |
| Pretax return on assets | 1.3184% | 2,295 |
| Return on Equity (ROE) | 12.4889% | 1,416 |
| Retained earnings to average equity (ytd only) | 8.3517% | 1,709 |
| Net charge-offs to loans | 0.0187% | 2,131 |
| Credit loss provision to net charge-offs | 1,064.7887% | 326 |
| Earnings coverage of net charge-offs (x) | 104.3732% | 597 |
| Efficiency ratio | 47.9014% | 5,198 |
| Assets per employee ($millions) | 12.0192% | 196 |
| Cash dividends to net income (ytd only)* | 33.1274% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,257 |
| Loan loss allowance to noncurrent loans | 3,543.7500% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,996 |
| Noncurrent loans to loans | 0.0316% | 4,837 |
| Net loans and leases to total assets | 74.1105% | 1,841 |
| Net loans and leases to deposits | 96.7141% | 960 |
| Net loans and leases to core deposits | 104.5814% | 1,339 |
| Total domestic deposits to total assets | 76.6284% | 4,907 |
| Equity capital to assets | 8.6336% | 4,875 |
| Core capital (leverage) ratio | 9.2432% | 4,388 |
| Tier 1 risk-based capital ratio | 14.9167% | 2,904 |
| Total risk-based capital ratio | 16.1689% | 2,836 |
| Memoranda: | ||
| Average total assets | $4,037,864,000 | 258 |
| Average earning assets | $3,835,454,500 | 246 |
| Average equity | $357,725,500 | 305 |
| Average total loans | $3,042,661,500 | 249 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 4,996 |
| Cost of funding earning assets | 0.6168% | 1,494 |
| Net interest margin | 2.7433% | 5,234 |
| Noninterest income to average assets | 0.2357% | 4,724 |
| Noninterest expense to average assets | 1.3738% | 5,533 |
| Loan and lease loss provision to assets | 0.1316% | 1,743 |
| Net operating income to assets | 1.0349% | 2,106 |
| Return on assets (ROA) | 0.9957% | 2,301 |
| Pretax return on assets | 1.2972% | 2,362 |
| Return on Equity (ROE) | 11.1205% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.7444% | 847 |
| Net charge-offs to loans | 0.0409% | 2,967 |
| Credit loss provision to net charge-offs | 430.7010% | 719 |
| Earnings coverage of net charge-offs (x) | 48.4277% | 1,111 |
| Efficiency ratio | 48.1449% | 5,308 |
| Assets per employee ($millions) | 11.6908% | 204 |
| Cash dividends to net income (ytd only)* | 30.3591% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,087 |
| Loan loss allowance to noncurrent loans | 3,378.4000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,351 |
| Noncurrent loans to loans | 0.0339% | 4,857 |
| Net loans and leases to total assets | 74.9177% | 1,769 |
| Net loans and leases to deposits | 103.3190% | 530 |
| Net loans and leases to core deposits | 107.9410% | 1,135 |
| Total domestic deposits to total assets | 72.5111% | 5,296 |
| Equity capital to assets | 9.1018% | 4,617 |
| Core capital (leverage) ratio | 9.3439% | 4,236 |
| Tier 1 risk-based capital ratio | 15.2911% | 2,703 |
| Total risk-based capital ratio | 16.5438% | 2,640 |
| Memoranda: | ||
| Average total assets | $3,688,601,800 | 267 |
| Average earning assets | $3,519,736,000 | 258 |
| Average equity | $330,263,000 | 310 |
| Average total loans | $2,756,482,800 | 257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 5,005 |
| Cost of funding earning assets | 0.6004% | 1,527 |
| Net interest margin | 2.7684% | 5,266 |
| Noninterest income to average assets | 0.2405% | 4,764 |
| Noninterest expense to average assets | 1.3543% | 5,594 |
| Loan and lease loss provision to assets | 0.1174% | 1,847 |
| Net operating income to assets | 1.0365% | 2,385 |
| Return on assets (ROA) | 1.0383% | 2,417 |
| Pretax return on assets | 1.4162% | 2,077 |
| Return on Equity (ROE) | 11.6477% | 1,446 |
| Retained earnings to average equity (ytd only) | 8.5842% | 979 |
| Net charge-offs to loans | 0.0056% | 3,532 |
| Credit loss provision to net charge-offs | 2,809.6491% | 156 |
| Earnings coverage of net charge-offs (x) | 366.4031% | 254 |
| Efficiency ratio | 46.9359% | 5,389 |
| Assets per employee ($millions) | 11.4838% | 207 |
| Cash dividends to net income (ytd only)* | 26.3009% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,099 |
| Loan loss allowance to noncurrent loans | 370.4291% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,099 |
| Noncurrent loans to loans | 0.3154% | 3,820 |
| Net loans and leases to total assets | 75.1335% | 1,737 |
| Net loans and leases to deposits | 98.0169% | 913 |
| Net loans and leases to core deposits | 102.4567% | 1,512 |
| Total domestic deposits to total assets | 76.6536% | 4,940 |
| Equity capital to assets | 9.1838% | 4,739 |
| Core capital (leverage) ratio | 9.1504% | 4,566 |
| Tier 1 risk-based capital ratio | 15.3233% | 2,784 |
| Total risk-based capital ratio | 16.5763% | 2,721 |
| Memoranda: | ||
| Average total assets | $3,637,494,500 | 269 |
| Average earning assets | $3,475,184,250 | 261 |
| Average equity | $324,245,250 | 317 |
| Average total loans | $2,708,015,500 | 259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 5,050 |
| Cost of funding earning assets | 0.5814% | 1,565 |
| Net interest margin | 2.7548% | 5,305 |
| Noninterest income to average assets | 0.2447% | 4,776 |
| Noninterest expense to average assets | 1.3630% | 5,641 |
| Loan and lease loss provision to assets | 0.1154% | 1,783 |
| Net operating income to assets | 1.0385% | 2,255 |
| Return on assets (ROA) | 1.0406% | 2,285 |
| Pretax return on assets | 1.4011% | 2,017 |
| Return on Equity (ROE) | 11.7973% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.4393% | 723 |
| Net charge-offs to loans | 0.0002% | 3,511 |
| Credit loss provision to net charge-offs | 104,050.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 13,644.5000% | 1 |
| Efficiency ratio | 47.3835% | 5,420 |
| Assets per employee ($millions) | 11.4320% | 199 |
| Cash dividends to net income (ytd only)* | 19.9872% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,257 |
| Loan loss allowance to noncurrent loans | 357.7822% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 4,170 |
| Noncurrent loans to loans | 0.3238% | 3,870 |
| Net loans and leases to total assets | 74.0268% | 1,861 |
| Net loans and leases to deposits | 97.3607% | 951 |
| Net loans and leases to core deposits | 102.2290% | 1,491 |
| Total domestic deposits to total assets | 76.0335% | 5,089 |
| Equity capital to assets | 8.9156% | 4,973 |
| Core capital (leverage) ratio | 8.9733% | 4,754 |
| Tier 1 risk-based capital ratio | 14.9209% | 2,962 |
| Total risk-based capital ratio | 16.1735% | 2,893 |
| Memoranda: | ||
| Average total assets | $3,605,914,670 | 272 |
| Average earning assets | $3,445,107,330 | 264 |
| Average equity | $318,073,670 | 322 |
| Average total loans | $2,664,919,330 | 264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 5,025 |
| Cost of funding earning assets | 0.5691% | 1,592 |
| Net interest margin | 2.7834% | 5,282 |
| Noninterest income to average assets | 0.2320% | 4,885 |
| Noninterest expense to average assets | 1.3661% | 5,711 |
| Loan and lease loss provision to assets | 0.0886% | 2,059 |
| Net operating income to assets | 1.0531% | 2,061 |
| Return on assets (ROA) | 1.0576% | 2,084 |
| Pretax return on assets | 1.4442% | 1,717 |
| Return on Equity (ROE) | 12.0566% | 1,218 |
| Retained earnings to average equity (ytd only) | 11.0950% | 589 |
| Net charge-offs to loans | 0.0003% | 2,940 |
| Credit loss provision to net charge-offs | 39,400.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 6,787.5000% | 2 |
| Efficiency ratio | 47.2262% | 5,495 |
| Assets per employee ($millions) | 11.2616% | 207 |
| Cash dividends to net income (ytd only)* | 7.9753% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,398 |
| Loan loss allowance to noncurrent loans | 1,475.0359% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 5,058 |
| Noncurrent loans to loans | 0.0782% | 4,885 |
| Net loans and leases to total assets | 73.3812% | 1,839 |
| Net loans and leases to deposits | 96.2183% | 918 |
| Net loans and leases to core deposits | 100.4811% | 1,472 |
| Total domestic deposits to total assets | 76.2653% | 5,205 |
| Equity capital to assets | 8.8211% | 4,980 |
| Core capital (leverage) ratio | 8.8601% | 4,893 |
| Tier 1 risk-based capital ratio | 15.0073% | 2,961 |
| Total risk-based capital ratio | 16.2599% | 2,888 |
| Memoranda: | ||
| Average total assets | $3,556,893,000 | 278 |
| Average earning assets | $3,400,182,500 | 268 |
| Average equity | $311,996,000 | 325 |
| Average total loans | $2,610,351,000 | 271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 5,237 |
| Cost of funding earning assets | 0.5618% | 1,594 |
| Net interest margin | 2.6876% | 5,433 |
| Noninterest income to average assets | 0.2252% | 5,062 |
| Noninterest expense to average assets | 1.5049% | 5,715 |
| Loan and lease loss provision to assets | 0.1043% | 2,302 |
| Net operating income to assets | 0.9049% | 2,795 |
| Return on assets (ROA) | 0.9473% | 2,706 |
| Pretax return on assets | 1.2540% | 2,459 |
| Return on Equity (ROE) | 11.0434% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.4703% | 503 |
| Net charge-offs to loans | 0.0285% | 3,451 |
| Credit loss provision to net charge-offs | 512.5184% | 644 |
| Earnings coverage of net charge-offs (x) | 63.9794% | 846 |
| Efficiency ratio | 53.6035% | 5,272 |
| Assets per employee ($millions) | 11.1786% | 214 |
| Cash dividends to net income (ytd only)* | 14.2441% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,235 |
| Loan loss allowance to noncurrent loans | 945.4860% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,971 |
| Noncurrent loans to loans | 0.1249% | 4,739 |
| Net loans and leases to total assets | 71.6610% | 2,210 |
| Net loans and leases to deposits | 96.3724% | 963 |
| Net loans and leases to core deposits | 100.0151% | 1,622 |
| Total domestic deposits to total assets | 74.3585% | 5,413 |
| Equity capital to assets | 8.7208% | 5,087 |
| Core capital (leverage) ratio | 8.8983% | 4,855 |
| Tier 1 risk-based capital ratio | 14.7169% | 3,094 |
| Total risk-based capital ratio | 15.9693% | 3,036 |
| Memoranda: | ||
| Average total assets | $3,335,050,600 | 280 |
| Average earning assets | $3,204,374,600 | 268 |
| Average equity | $286,071,800 | 331 |
| Average total loans | $2,380,276,400 | 274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 5,291 |
| Cost of funding earning assets | 0.5628% | 1,589 |
| Net interest margin | 2.6831% | 5,511 |
| Noninterest income to average assets | 0.2281% | 5,105 |
| Noninterest expense to average assets | 1.5258% | 5,739 |
| Loan and lease loss provision to assets | 0.0612% | 3,016 |
| Net operating income to assets | 0.9153% | 2,832 |
| Return on assets (ROA) | 0.9718% | 2,692 |
| Pretax return on assets | 1.2956% | 2,445 |
| Return on Equity (ROE) | 11.3798% | 1,528 |
| Retained earnings to average equity (ytd only) | 9.8144% | 613 |
| Net charge-offs to loans | 0.0004% | 3,946 |
| Credit loss provision to net charge-offs | 21,571.4286% | 18 |
| Earnings coverage of net charge-offs (x) | 4,520.0729% | 11 |
| Efficiency ratio | 54.3552% | 5,215 |
| Assets per employee ($millions) | 11.0430% | 211 |
| Cash dividends to net income (ytd only)* | 13.7563% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,391 |
| Loan loss allowance to noncurrent loans | 2,031.0028% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,313 |
| Noncurrent loans to loans | 0.0579% | 5,126 |
| Net loans and leases to total assets | 70.3518% | 2,443 |
| Net loans and leases to deposits | 92.0061% | 1,498 |
| Net loans and leases to core deposits | 94.4781% | 2,151 |
| Total domestic deposits to total assets | 76.4643% | 5,172 |
| Equity capital to assets | 9.0268% | 5,151 |
| Core capital (leverage) ratio | 8.8688% | 4,982 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,157 |
| Total risk-based capital ratio | 16.0200% | 3,097 |
| Memoranda: | ||
| Average total assets | $3,291,291,750 | 281 |
| Average earning assets | $3,163,710,250 | 267 |
| Average equity | $281,063,000 | 333 |
| Average total loans | $2,338,990,250 | 276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2584% | 5,350 |
| Cost of funding earning assets | 0.5655% | 1,572 |
| Net interest margin | 2.6929% | 5,578 |
| Noninterest income to average assets | 0.2245% | 5,144 |
| Noninterest expense to average assets | 1.6131% | 5,752 |
| Loan and lease loss provision to assets | 0.0242% | 3,646 |
| Net operating income to assets | 0.8840% | 2,941 |
| Return on assets (ROA) | 0.9690% | 2,671 |
| Pretax return on assets | 1.2888% | 2,455 |
| Return on Equity (ROE) | 11.5802% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.2538% | 551 |
| Net charge-offs to loans | -0.0025% | 4,397 |
| Credit loss provision to net charge-offs | -1,351.7241% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3539% | 4,987 |
| Assets per employee ($millions) | 10.8946% | 212 |
| Cash dividends to net income (ytd only)* | 11.4540% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 3,488 |
| Loan loss allowance to noncurrent loans | 545.1448% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,911 |
| Noncurrent loans to loans | 0.2157% | 4,577 |
| Net loans and leases to total assets | 69.0920% | 2,619 |
| Net loans and leases to deposits | 88.5993% | 1,908 |
| Net loans and leases to core deposits | 90.9654% | 2,439 |
| Total domestic deposits to total assets | 77.9825% | 5,008 |
| Equity capital to assets | 9.0965% | 5,165 |
| Core capital (leverage) ratio | 8.9348% | 4,900 |
| Tier 1 risk-based capital ratio | 14.8979% | 3,120 |
| Total risk-based capital ratio | 16.1500% | 3,061 |
| Memoranda: | ||
| Average total assets | $3,243,595,330 | 281 |
| Average earning assets | $3,117,394,000 | 267 |
| Average equity | $271,412,670 | 339 |
| Average total loans | $2,303,684,000 | 277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,343 |
| Cost of funding earning assets | 0.5766% | 1,498 |
| Net interest margin | 2.7090% | 5,606 |
| Noninterest income to average assets | 0.2205% | 5,160 |
| Noninterest expense to average assets | 1.4867% | 5,919 |
| Loan and lease loss provision to assets | 0.0318% | 3,241 |
| Net operating income to assets | 0.9758% | 2,390 |
| Return on assets (ROA) | 0.9756% | 2,503 |
| Pretax return on assets | 1.3039% | 2,287 |
| Return on Equity (ROE) | 12.2218% | 1,245 |
| Retained earnings to average equity (ytd only) | 10.3320% | 780 |
| Net charge-offs to loans | -0.0026% | 4,156 |
| Credit loss provision to net charge-offs | -1,686.6667% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6698% | 5,473 |
| Assets per employee ($millions) | 10.4670% | 246 |
| Cash dividends to net income (ytd only)* | 15.4619% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 3,528 |
| Loan loss allowance to noncurrent loans | 2,096.2681% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,464 |
| Noncurrent loans to loans | 0.0569% | 5,254 |
| Net loans and leases to total assets | 70.5447% | 2,261 |
| Net loans and leases to deposits | 89.1745% | 1,679 |
| Net loans and leases to core deposits | 91.8026% | 2,204 |
| Total domestic deposits to total assets | 79.1086% | 4,942 |
| Equity capital to assets | 8.0002% | 5,824 |
| Core capital (leverage) ratio | 7.8702% | 5,825 |
| Tier 1 risk-based capital ratio | 12.8675% | 4,348 |
| Total risk-based capital ratio | 14.1198% | 4,255 |
| Memoranda: | ||
| Average total assets | $3,182,176,500 | 283 |
| Average earning assets | $3,056,640,500 | 270 |
| Average equity | $254,006,000 | 351 |
| Average total loans | $2,278,720,000 | 277 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 5,303 |
| Cost of funding earning assets | 0.5967% | 1,381 |
| Net interest margin | 2.7294% | 5,616 |
| Noninterest income to average assets | 0.2570% | 5,057 |
| Noninterest expense to average assets | 1.5497% | 5,951 |
| Loan and lease loss provision to assets | 0.1493% | 1,577 |
| Net operating income to assets | 0.8961% | 2,893 |
| Return on assets (ROA) | 0.9306% | 2,786 |
| Pretax return on assets | 1.2175% | 2,600 |
| Return on Equity (ROE) | 11.1450% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.0397% | 902 |
| Net charge-offs to loans | 0.0141% | 4,012 |
| Credit loss provision to net charge-offs | 1,530.8511% | 227 |
| Earnings coverage of net charge-offs (x) | 135.5213% | 454 |
| Efficiency ratio | 53.9776% | 5,523 |
| Assets per employee ($millions) | 10.3644% | 239 |
| Cash dividends to net income (ytd only)* | 27.8624% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 3,404 |
| Loan loss allowance to noncurrent loans | 1,899.3728% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,494 |
| Noncurrent loans to loans | 0.0638% | 5,254 |
| Net loans and leases to total assets | 70.9583% | 2,206 |
| Net loans and leases to deposits | 97.1162% | 895 |
| Net loans and leases to core deposits | 100.3192% | 1,482 |
| Total domestic deposits to total assets | 73.0653% | 5,718 |
| Equity capital to assets | 7.9634% | 5,864 |
| Core capital (leverage) ratio | 7.9226% | 5,873 |
| Tier 1 risk-based capital ratio | 12.8375% | 4,428 |
| Total risk-based capital ratio | 14.0901% | 4,328 |
| Memoranda: | ||
| Average total assets | $2,892,429,400 | 287 |
| Average earning assets | $2,770,079,800 | 277 |
| Average equity | $241,525,200 | 359 |
| Average total loans | $2,002,394,200 | 284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 5,366 |
| Cost of funding earning assets | 0.6093% | 1,347 |
| Net interest margin | 2.7152% | 5,705 |
| Noninterest income to average assets | 0.2694% | 5,006 |
| Noninterest expense to average assets | 1.5576% | 6,005 |
| Loan and lease loss provision to assets | 0.1130% | 2,000 |
| Net operating income to assets | 0.9042% | 2,943 |
| Return on assets (ROA) | 0.9439% | 2,845 |
| Pretax return on assets | 1.2512% | 2,597 |
| Return on Equity (ROE) | 11.1615% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.8782% | 1,288 |
| Net charge-offs to loans | 0.0071% | 3,923 |
| Credit loss provision to net charge-offs | 2,332.0388% | 154 |
| Earnings coverage of net charge-offs (x) | 270.4949% | 261 |
| Efficiency ratio | 54.2948% | 5,490 |
| Assets per employee ($millions) | 10.5391% | 222 |
| Cash dividends to net income (ytd only)* | 29.4162% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,574 |
| Loan loss allowance to noncurrent loans | 791.0725% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 5,314 |
| Noncurrent loans to loans | 0.1534% | 5,024 |
| Net loans and leases to total assets | 69.4050% | 2,476 |
| Net loans and leases to deposits | 90.0835% | 1,639 |
| Net loans and leases to core deposits | 93.1635% | 2,159 |
| Total domestic deposits to total assets | 77.0451% | 5,331 |
| Equity capital to assets | 8.2284% | 5,856 |
| Core capital (leverage) ratio | 8.1482% | 5,813 |
| Tier 1 risk-based capital ratio | 13.3780% | 4,208 |
| Total risk-based capital ratio | 14.6305% | 4,128 |
| Memoranda: | ||
| Average total assets | $2,833,023,500 | 297 |
| Average earning assets | $2,712,180,250 | 285 |
| Average equity | $239,591,500 | 369 |
| Average total loans | $1,940,920,750 | 298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3637% | 5,304 |
| Cost of funding earning assets | 0.6336% | 1,210 |
| Net interest margin | 2.7301% | 5,733 |
| Noninterest income to average assets | 0.2810% | 4,946 |
| Noninterest expense to average assets | 1.5941% | 6,052 |
| Loan and lease loss provision to assets | 0.0974% | 2,197 |
| Net operating income to assets | 0.9045% | 2,855 |
| Return on assets (ROA) | 0.9654% | 2,670 |
| Pretax return on assets | 1.2827% | 2,424 |
| Return on Equity (ROE) | 11.3052% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.3561% | 1,135 |
| Net charge-offs to loans | 0.0088% | 3,596 |
| Credit loss provision to net charge-offs | 1,630.1205% | 224 |
| Earnings coverage of net charge-offs (x) | 217.4819% | 324 |
| Efficiency ratio | 55.1037% | 5,502 |
| Assets per employee ($millions) | 9.7513% | 284 |
| Cash dividends to net income (ytd only)* | 26.0863% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 3,553 |
| Loan loss allowance to noncurrent loans | 672.2756% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 5,341 |
| Noncurrent loans to loans | 0.1847% | 5,039 |
| Net loans and leases to total assets | 68.8895% | 2,501 |
| Net loans and leases to deposits | 88.1724% | 1,816 |
| Net loans and leases to core deposits | 91.0941% | 2,232 |
| Total domestic deposits to total assets | 78.1305% | 5,257 |
| Equity capital to assets | 8.4523% | 5,720 |
| Core capital (leverage) ratio | 8.2052% | 5,786 |
| Tier 1 risk-based capital ratio | 13.6956% | 4,100 |
| Total risk-based capital ratio | 14.9481% | 4,035 |
| Memoranda: | ||
| Average total assets | $2,779,660,330 | 300 |
| Average earning assets | $2,659,283,000 | 288 |
| Average equity | $237,360,000 | 373 |
| Average total loans | $1,886,931,330 | 298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 5,334 |
| Cost of funding earning assets | 0.6454% | 1,148 |
| Net interest margin | 2.7027% | 5,800 |
| Noninterest income to average assets | 0.2839% | 4,907 |
| Noninterest expense to average assets | 1.5349% | 6,157 |
| Loan and lease loss provision to assets | 0.0597% | 2,738 |
| Net operating income to assets | 0.9941% | 2,295 |
| Return on assets (ROA) | 0.9938% | 2,425 |
| Pretax return on assets | 1.2738% | 2,376 |
| Return on Equity (ROE) | 11.5774% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.8716% | 1,244 |
| Net charge-offs to loans | 0.0054% | 3,134 |
| Credit loss provision to net charge-offs | 1,644.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 367.5200% | 153 |
| Efficiency ratio | 53.5067% | 5,719 |
| Assets per employee ($millions) | 9.5549% | 296 |
| Cash dividends to net income (ytd only)* | 23.3713% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,670 |
| Loan loss allowance to noncurrent loans | 1,486.5869% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,706 |
| Noncurrent loans to loans | 0.0843% | 5,444 |
| Net loans and leases to total assets | 66.6577% | 2,660 |
| Net loans and leases to deposits | 87.2169% | 1,705 |
| Net loans and leases to core deposits | 90.2081% | 2,108 |
| Total domestic deposits to total assets | 76.4275% | 5,692 |
| Equity capital to assets | 8.6005% | 5,661 |
| Core capital (leverage) ratio | 8.2833% | 5,748 |
| Tier 1 risk-based capital ratio | 13.8756% | 4,102 |
| Total risk-based capital ratio | 15.1281% | 4,025 |
| Memoranda: | ||
| Average total assets | $2,755,551,500 | 300 |
| Average earning assets | $2,635,269,000 | 288 |
| Average equity | $236,529,500 | 372 |
| Average total loans | $1,844,096,000 | 301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,519 |
| Cost of funding earning assets | 0.6250% | 1,573 |
| Net interest margin | 2.7798% | 5,839 |
| Noninterest income to average assets | 0.2876% | 5,065 |
| Noninterest expense to average assets | 1.5886% | 6,247 |
| Loan and lease loss provision to assets | 0.1263% | 2,073 |
| Net operating income to assets | 0.9536% | 2,615 |
| Return on assets (ROA) | 0.9577% | 2,669 |
| Pretax return on assets | 1.2292% | 2,534 |
| Return on Equity (ROE) | 10.8925% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.1891% | 957 |
| Net charge-offs to loans | 0.0510% | 3,811 |
| Credit loss provision to net charge-offs | 390.8088% | 665 |
| Earnings coverage of net charge-offs (x) | 41.7708% | 1,044 |
| Efficiency ratio | 54.0559% | 5,837 |
| Assets per employee ($millions) | 9.5813% | 284 |
| Cash dividends to net income (ytd only)* | 24.8190% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,362.7347% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,769 |
| Noncurrent loans to loans | 0.0944% | 5,513 |
| Net loans and leases to total assets | 65.4740% | 2,979 |
| Net loans and leases to deposits | 89.6971% | 1,549 |
| Net loans and leases to core deposits | 93.3290% | 1,963 |
| Total domestic deposits to total assets | 72.9946% | 6,018 |
| Equity capital to assets | 8.5666% | 5,674 |
| Core capital (leverage) ratio | 8.4875% | 5,571 |
| Tier 1 risk-based capital ratio | 14.2299% | 3,942 |
| Total risk-based capital ratio | 15.4829% | 3,876 |
| Memoranda: | ||
| Average total assets | $2,524,352,200 | 301 |
| Average earning assets | $2,407,695,200 | 291 |
| Average equity | $221,940,800 | 368 |
| Average total loans | $1,600,452,200 | 315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,533 |
| Cost of funding earning assets | 0.6263% | 1,629 |
| Net interest margin | 2.8073% | 5,859 |
| Noninterest income to average assets | 0.2979% | 5,072 |
| Noninterest expense to average assets | 1.5738% | 6,311 |
| Loan and lease loss provision to assets | 0.1155% | 2,126 |
| Net operating income to assets | 0.9777% | 2,549 |
| Return on assets (ROA) | 0.9831% | 2,592 |
| Pretax return on assets | 1.2923% | 2,403 |
| Return on Equity (ROE) | 11.1038% | 1,752 |
| Retained earnings to average equity (ytd only) | 8.0618% | 1,328 |
| Net charge-offs to loans | 0.0674% | 3,240 |
| Credit loss provision to net charge-offs | 273.8186% | 980 |
| Earnings coverage of net charge-offs (x) | 33.2045% | 1,284 |
| Efficiency ratio | 52.9140% | 5,929 |
| Assets per employee ($millions) | 9.2805% | 299 |
| Cash dividends to net income (ytd only)* | 27.3958% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 3,456 |
| Loan loss allowance to noncurrent loans | 969.8253% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 5,806 |
| Noncurrent loans to loans | 0.1380% | 5,515 |
| Net loans and leases to total assets | 63.6711% | 3,235 |
| Net loans and leases to deposits | 83.5374% | 2,218 |
| Net loans and leases to core deposits | 87.0179% | 2,543 |
| Total domestic deposits to total assets | 76.2187% | 5,784 |
| Equity capital to assets | 8.9332% | 5,426 |
| Core capital (leverage) ratio | 8.5872% | 5,560 |
| Tier 1 risk-based capital ratio | 15.3223% | 3,412 |
| Total risk-based capital ratio | 16.5763% | 3,347 |
| Memoranda: | ||
| Average total assets | $2,475,170,750 | 302 |
| Average earning assets | $2,359,725,750 | 291 |
| Average equity | $219,150,250 | 369 |
| Average total loans | $1,549,360,500 | 321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 5,582 |
| Cost of funding earning assets | 0.6257% | 1,678 |
| Net interest margin | 2.7936% | 5,924 |
| Noninterest income to average assets | 0.2886% | 5,111 |
| Noninterest expense to average assets | 1.5909% | 6,366 |
| Loan and lease loss provision to assets | 0.0756% | 2,763 |
| Net operating income to assets | 0.9737% | 2,440 |
| Return on assets (ROA) | 0.9807% | 2,480 |
| Pretax return on assets | 1.2871% | 2,307 |
| Return on Equity (ROE) | 11.1114% | 1,709 |
| Retained earnings to average equity (ytd only) | 8.7001% | 1,075 |
| Net charge-offs to loans | 0.0834% | 2,854 |
| Credit loss provision to net charge-offs | 146.2758% | 1,483 |
| Earnings coverage of net charge-offs (x) | 26.2013% | 1,381 |
| Efficiency ratio | 54.0354% | 5,907 |
| Assets per employee ($millions) | 9.3122% | 295 |
| Cash dividends to net income (ytd only)* | 21.7010% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 3,607 |
| Loan loss allowance to noncurrent loans | 1,307.3593% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,984 |
| Noncurrent loans to loans | 0.1030% | 5,706 |
| Net loans and leases to total assets | 61.3960% | 3,504 |
| Net loans and leases to deposits | 81.1058% | 2,372 |
| Net loans and leases to core deposits | 84.5131% | 2,684 |
| Total domestic deposits to total assets | 75.6986% | 5,953 |
| Equity capital to assets | 8.9441% | 5,366 |
| Core capital (leverage) ratio | 8.7144% | 5,380 |
| Tier 1 risk-based capital ratio | 15.6692% | 3,260 |
| Total risk-based capital ratio | 16.9231% | 3,201 |
| Memoranda: | ||
| Average total assets | $2,443,331,330 | 304 |
| Average earning assets | $2,322,665,330 | 292 |
| Average equity | $215,652,330 | 372 |
| Average total loans | $1,512,815,330 | 321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 5,543 |
| Cost of funding earning assets | 0.6296% | 1,740 |
| Net interest margin | 2.8172% | 5,904 |
| Noninterest income to average assets | 0.2959% | 4,997 |
| Noninterest expense to average assets | 1.6210% | 6,415 |
| Loan and lease loss provision to assets | -0.0098% | 6,399 |
| Net operating income to assets | 1.0240% | 2,109 |
| Return on assets (ROA) | 1.0323% | 2,150 |
| Pretax return on assets | 1.3748% | 1,838 |
| Return on Equity (ROE) | 11.7785% | 1,467 |
| Retained earnings to average equity (ytd only) | 6.8407% | 2,121 |
| Net charge-offs to loans | 0.0631% | 2,527 |
| Credit loss provision to net charge-offs | -25.2137% | 4,707 |
| Earnings coverage of net charge-offs (x) | 34.7607% | 960 |
| Efficiency ratio | 54.4900% | 5,974 |
| Assets per employee ($millions) | 9.0490% | 330 |
| Cash dividends to net income (ytd only)* | 41.9220% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,698 |
| Loan loss allowance to noncurrent loans | 989.6485% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 5,992 |
| Noncurrent loans to loans | 0.1395% | 5,685 |
| Net loans and leases to total assets | 61.0095% | 3,394 |
| Net loans and leases to deposits | 78.5833% | 2,474 |
| Net loans and leases to core deposits | 81.6761% | 2,767 |
| Total domestic deposits to total assets | 77.6368% | 5,882 |
| Equity capital to assets | 8.9503% | 5,167 |
| Core capital (leverage) ratio | 8.6782% | 5,412 |
| Tier 1 risk-based capital ratio | 15.9321% | 3,198 |
| Total risk-based capital ratio | 17.1863% | 3,154 |
| Memoranda: | ||
| Average total assets | $2,403,199,000 | 309 |
| Average earning assets | $2,285,271,000 | 294 |
| Average equity | $210,621,500 | 379 |
| Average total loans | $1,483,960,000 | 326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 5,644 |
| Cost of funding earning assets | 0.5782% | 2,853 |
| Net interest margin | 2.9224% | 5,746 |
| Noninterest income to average assets | 0.3128% | 5,104 |
| Noninterest expense to average assets | 1.7128% | 6,426 |
| Loan and lease loss provision to assets | 0.1334% | 2,643 |
| Net operating income to assets | 0.9744% | 2,446 |
| Return on assets (ROA) | 0.9746% | 2,513 |
| Pretax return on assets | 1.2475% | 2,377 |
| Return on Equity (ROE) | 10.8934% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.9538% | 780 |
| Net charge-offs to loans | 0.0596% | 4,385 |
| Credit loss provision to net charge-offs | 387.7102% | 585 |
| Earnings coverage of net charge-offs (x) | 40.1345% | 948 |
| Efficiency ratio | 55.3714% | 6,015 |
| Assets per employee ($millions) | 9.2283% | 305 |
| Cash dividends to net income (ytd only)* | 17.8058% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 3,601 |
| Loan loss allowance to noncurrent loans | 463.7011% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,749 |
| Noncurrent loans to loans | 0.3040% | 5,279 |
| Net loans and leases to total assets | 60.7660% | 3,579 |
| Net loans and leases to deposits | 81.7372% | 2,215 |
| Net loans and leases to core deposits | 85.3662% | 2,526 |
| Total domestic deposits to total assets | 74.3431% | 6,255 |
| Equity capital to assets | 8.5775% | 5,495 |
| Core capital (leverage) ratio | 8.5883% | 5,561 |
| Tier 1 risk-based capital ratio | 15.7176% | 3,243 |
| Total risk-based capital ratio | 16.9721% | 3,196 |
| Memoranda: | ||
| Average total assets | $2,247,296,400 | 321 |
| Average earning assets | $2,138,183,200 | 304 |
| Average equity | $201,066,200 | 385 |
| Average total loans | $1,296,372,800 | 345 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,671 |
| Cost of funding earning assets | 0.5682% | 3,097 |
| Net interest margin | 2.9391% | 5,716 |
| Noninterest income to average assets | 0.3142% | 5,190 |
| Noninterest expense to average assets | 1.7185% | 6,450 |
| Loan and lease loss provision to assets | 0.1107% | 2,919 |
| Net operating income to assets | 0.9996% | 2,379 |
| Return on assets (ROA) | 0.9998% | 2,465 |
| Pretax return on assets | 1.2817% | 2,405 |
| Return on Equity (ROE) | 11.0509% | 1,804 |
| Retained earnings to average equity (ytd only) | 9.3833% | 938 |
| Net charge-offs to loans | -0.0101% | 5,896 |
| Credit loss provision to net charge-offs | -1,931.5789% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2441% | 6,000 |
| Assets per employee ($millions) | 8.8797% | 325 |
| Cash dividends to net income (ytd only)* | 15.0902% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,688 |
| Loan loss allowance to noncurrent loans | 379.3651% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 5,754 |
| Noncurrent loans to loans | 0.3822% | 5,254 |
| Net loans and leases to total assets | 59.1442% | 3,829 |
| Net loans and leases to deposits | 78.2708% | 2,616 |
| Net loans and leases to core deposits | 81.7299% | 2,901 |
| Total domestic deposits to total assets | 75.5635% | 6,216 |
| Equity capital to assets | 8.4729% | 5,762 |
| Core capital (leverage) ratio | 8.7745% | 5,447 |
| Tier 1 risk-based capital ratio | 15.9280% | 3,235 |
| Total risk-based capital ratio | 17.1829% | 3,181 |
| Memoranda: | ||
| Average total assets | $2,209,282,750 | 327 |
| Average earning assets | $2,102,075,000 | 312 |
| Average equity | $199,881,500 | 386 |
| Average total loans | $1,250,756,750 | 354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 5,578 |
| Cost of funding earning assets | 0.5717% | 3,205 |
| Net interest margin | 2.9838% | 5,601 |
| Noninterest income to average assets | 0.3121% | 5,210 |
| Noninterest expense to average assets | 1.7428% | 6,457 |
| Loan and lease loss provision to assets | 0.0700% | 3,636 |
| Net operating income to assets | 1.0385% | 2,159 |
| Return on assets (ROA) | 1.0388% | 2,281 |
| Pretax return on assets | 1.3376% | 2,165 |
| Return on Equity (ROE) | 11.2223% | 1,741 |
| Retained earnings to average equity (ytd only) | 8.7198% | 1,220 |
| Net charge-offs to loans | -0.0236% | 6,022 |
| Credit loss provision to net charge-offs | -535.4610% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3274% | 6,036 |
| Assets per employee ($millions) | 8.6651% | 346 |
| Cash dividends to net income (ytd only)* | 22.2995% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,429 |
| Loan loss allowance to noncurrent loans | 465.5378% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 5,929 |
| Noncurrent loans to loans | 0.3293% | 5,472 |
| Net loans and leases to total assets | 56.3005% | 4,234 |
| Net loans and leases to deposits | 70.8730% | 3,607 |
| Net loans and leases to core deposits | 73.8228% | 3,843 |
| Total domestic deposits to total assets | 79.4386% | 5,729 |
| Equity capital to assets | 8.7439% | 5,494 |
| Core capital (leverage) ratio | 8.9898% | 5,006 |
| Tier 1 risk-based capital ratio | 17.2327% | 2,620 |
| Total risk-based capital ratio | 18.4886% | 2,591 |
| Memoranda: | ||
| Average total assets | $2,158,378,330 | 333 |
| Average earning assets | $2,052,799,670 | 317 |
| Average equity | $199,799,000 | 384 |
| Average total loans | $1,195,163,000 | 369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 5,474 |
| Cost of funding earning assets | 0.5845% | 3,260 |
| Net interest margin | 3.0066% | 5,549 |
| Noninterest income to average assets | 0.3145% | 5,177 |
| Noninterest expense to average assets | 1.7973% | 6,443 |
| Loan and lease loss provision to assets | -0.0362% | 6,775 |
| Net operating income to assets | 1.0883% | 1,905 |
| Return on assets (ROA) | 1.0888% | 2,009 |
| Pretax return on assets | 1.4109% | 1,821 |
| Return on Equity (ROE) | 11.4304% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.4882% | 2,410 |
| Net charge-offs to loans | -0.0457% | 6,090 |
| Credit loss provision to net charge-offs | 145.4545% | 1,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6746% | 6,000 |
| Assets per employee ($millions) | 8.3616% | 420 |
| Cash dividends to net income (ytd only)* | 43.2376% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,421 |
| Loan loss allowance to noncurrent loans | 534.9856% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 6,025 |
| Noncurrent loans to loans | 0.2979% | 5,655 |
| Net loans and leases to total assets | 53.5490% | 4,483 |
| Net loans and leases to deposits | 68.7144% | 3,676 |
| Net loans and leases to core deposits | 71.9038% | 3,828 |
| Total domestic deposits to total assets | 77.9297% | 6,118 |
| Equity capital to assets | 9.4272% | 4,960 |
| Core capital (leverage) ratio | 9.1750% | 4,604 |
| Tier 1 risk-based capital ratio | 18.4799% | 2,202 |
| Total risk-based capital ratio | 19.7369% | 2,163 |
| Memoranda: | ||
| Average total assets | $2,124,104,500 | 340 |
| Average earning assets | $2,018,203,500 | 325 |
| Average equity | $202,338,000 | 383 |
| Average total loans | $1,156,099,000 | 384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 5,577 |
| Cost of funding earning assets | 0.8248% | 2,467 |
| Net interest margin | 3.0739% | 5,875 |
| Noninterest income to average assets | 0.3201% | 5,169 |
| Noninterest expense to average assets | 1.9525% | 6,417 |
| Loan and lease loss provision to assets | 0.1766% | 3,417 |
| Net operating income to assets | 0.8875% | 2,881 |
| Return on assets (ROA) | 1.0260% | 2,440 |
| Pretax return on assets | 1.2922% | 2,442 |
| Return on Equity (ROE) | 10.6857% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.3650% | 1,390 |
| Net charge-offs to loans | 0.1471% | 4,221 |
| Credit loss provision to net charge-offs | 230.2030% | 1,074 |
| Earnings coverage of net charge-offs (x) | 16.8579% | 1,542 |
| Efficiency ratio | 60.1542% | 5,516 |
| Assets per employee ($millions) | 8.2653% | 448 |
| Cash dividends to net income (ytd only)* | 31.0765% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,207 |
| Loan loss allowance to noncurrent loans | 454.4656% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 6,078 |
| Noncurrent loans to loans | 0.3572% | 5,594 |
| Net loans and leases to total assets | 53.5555% | 4,678 |
| Net loans and leases to deposits | 69.0790% | 3,825 |
| Net loans and leases to core deposits | 72.4559% | 3,986 |
| Total domestic deposits to total assets | 77.5280% | 6,159 |
| Equity capital to assets | 9.6259% | 4,698 |
| Core capital (leverage) ratio | 9.1733% | 4,622 |
| Tier 1 risk-based capital ratio | 18.7657% | 2,022 |
| Total risk-based capital ratio | 20.0234% | 1,982 |
| Memoranda: | ||
| Average total assets | $2,054,188,800 | 348 |
| Average earning assets | $1,955,230,600 | 328 |
| Average equity | $197,244,800 | 380 |
| Average total loans | $1,071,519,600 | 400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 5,627 |
| Cost of funding earning assets | 0.8671% | 2,412 |
| Net interest margin | 3.0960% | 5,948 |
| Noninterest income to average assets | 0.3220% | 5,207 |
| Noninterest expense to average assets | 2.0131% | 6,332 |
| Loan and lease loss provision to assets | 0.1897% | 3,217 |
| Net operating income to assets | 0.8512% | 3,208 |
| Return on assets (ROA) | 1.0373% | 2,549 |
| Pretax return on assets | 1.3063% | 2,586 |
| Return on Equity (ROE) | 10.8095% | 2,025 |
| Retained earnings to average equity (ytd only) | 8.4266% | 1,435 |
| Net charge-offs to loans | 0.1159% | 4,220 |
| Credit loss provision to net charge-offs | 317.2678% | 841 |
| Earnings coverage of net charge-offs (x) | 21.0831% | 1,422 |
| Efficiency ratio | 61.4981% | 5,229 |
| Assets per employee ($millions) | 7.9880% | 479 |
| Cash dividends to net income (ytd only)* | 22.0445% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,380 |
| Loan loss allowance to noncurrent loans | 528.0228% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 6,278 |
| Noncurrent loans to loans | 0.3101% | 5,863 |
| Net loans and leases to total assets | 54.3130% | 4,706 |
| Net loans and leases to deposits | 69.4101% | 3,975 |
| Net loans and leases to core deposits | 73.2270% | 4,084 |
| Total domestic deposits to total assets | 78.2495% | 6,022 |
| Equity capital to assets | 9.9613% | 4,551 |
| Core capital (leverage) ratio | 9.2272% | 4,710 |
| Tier 1 risk-based capital ratio | 19.0613% | 1,991 |
| Total risk-based capital ratio | 20.3196% | 1,962 |
| Memoranda: | ||
| Average total assets | $2,040,824,750 | 350 |
| Average earning assets | $1,945,520,500 | 329 |
| Average equity | $195,836,000 | 378 |
| Average total loans | $1,052,553,500 | 408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 5,548 |
| Cost of funding earning assets | 0.9044% | 2,362 |
| Net interest margin | 3.1269% | 5,919 |
| Noninterest income to average assets | 0.3218% | 5,251 |
| Noninterest expense to average assets | 2.1238% | 6,188 |
| Loan and lease loss provision to assets | 0.1714% | 3,392 |
| Net operating income to assets | 0.7918% | 3,424 |
| Return on assets (ROA) | 1.0716% | 2,381 |
| Pretax return on assets | 1.3595% | 2,354 |
| Return on Equity (ROE) | 11.3118% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.5131% | 1,446 |
| Net charge-offs to loans | 0.0965% | 4,195 |
| Credit loss provision to net charge-offs | 352.7273% | 831 |
| Earnings coverage of net charge-offs (x) | 24.2081% | 1,228 |
| Efficiency ratio | 64.3490% | 4,824 |
| Assets per employee ($millions) | 7.9946% | 471 |
| Cash dividends to net income (ytd only)* | 24.7411% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,390 |
| Loan loss allowance to noncurrent loans | 737.0968% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 6,488 |
| Noncurrent loans to loans | 0.2252% | 6,128 |
| Net loans and leases to total assets | 52.6218% | 5,017 |
| Net loans and leases to deposits | 67.5794% | 4,273 |
| Net loans and leases to core deposits | 71.0670% | 4,405 |
| Total domestic deposits to total assets | 77.8666% | 6,180 |
| Equity capital to assets | 9.7841% | 4,651 |
| Core capital (leverage) ratio | 8.8049% | 5,206 |
| Tier 1 risk-based capital ratio | 20.4129% | 1,601 |
| Total risk-based capital ratio | 21.6725% | 1,572 |
| Memoranda: | ||
| Average total assets | $2,036,795,000 | 350 |
| Average earning assets | $1,940,279,330 | 331 |
| Average equity | $192,949,000 | 380 |
| Average total loans | $1,025,551,670 | 415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 5,790 |
| Cost of funding earning assets | 0.9161% | 2,562 |
| Net interest margin | 3.0753% | 6,119 |
| Noninterest income to average assets | 0.3111% | 5,394 |
| Noninterest expense to average assets | 1.7206% | 6,880 |
| Loan and lease loss provision to assets | 0.2189% | 2,750 |
| Net operating income to assets | 1.0289% | 2,363 |
| Return on assets (ROA) | 1.0451% | 2,497 |
| Pretax return on assets | 1.3229% | 2,447 |
| Return on Equity (ROE) | 11.2121% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.8201% | 2,520 |
| Net charge-offs to loans | 0.1781% | 3,027 |
| Credit loss provision to net charge-offs | 251.7937% | 1,133 |
| Earnings coverage of net charge-offs (x) | 17.4955% | 1,302 |
| Efficiency ratio | 53.0760% | 6,428 |
| Assets per employee ($millions) | 8.6026% | 378 |
| Cash dividends to net income (ytd only)* | 39.1718% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 3,369 |
| Loan loss allowance to noncurrent loans | 633.6885% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 6,564 |
| Noncurrent loans to loans | 0.2676% | 6,151 |
| Net loans and leases to total assets | 48.0245% | 5,553 |
| Net loans and leases to deposits | 63.9649% | 4,642 |
| Net loans and leases to core deposits | 67.2605% | 4,767 |
| Total domestic deposits to total assets | 75.0793% | 6,637 |
| Equity capital to assets | 9.2809% | 5,119 |
| Core capital (leverage) ratio | 8.7187% | 5,264 |
| Tier 1 risk-based capital ratio | 20.1045% | 1,685 |
| Total risk-based capital ratio | 21.3636% | 1,655 |
| Memoranda: | ||
| Average total assets | $2,051,868,500 | 343 |
| Average earning assets | $1,955,348,500 | 321 |
| Average equity | $191,257,000 | 376 |
| Average total loans | $1,001,449,000 | 418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 5,689 |
| Cost of funding earning assets | 0.9952% | 3,414 |
| Net interest margin | 3.3274% | 5,734 |
| Noninterest income to average assets | 0.3395% | 5,102 |
| Noninterest expense to average assets | 1.9238% | 6,798 |
| Loan and lease loss provision to assets | 0.2193% | 4,000 |
| Net operating income to assets | 1.0799% | 1,896 |
| Return on assets (ROA) | 1.0853% | 2,007 |
| Pretax return on assets | 1.3751% | 1,860 |
| Return on Equity (ROE) | 11.5385% | 1,545 |
| Retained earnings to average equity (ytd only) | 7.6408% | 1,211 |
| Net charge-offs to loans | 0.1584% | 4,880 |
| Credit loss provision to net charge-offs | 270.1929% | 888 |
| Earnings coverage of net charge-offs (x) | 19.5609% | 1,165 |
| Efficiency ratio | 54.7908% | 6,443 |
| Assets per employee ($millions) | 8.0554% | 461 |
| Cash dividends to net income (ytd only)* | 33.7794% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 3,275 |
| Loan loss allowance to noncurrent loans | 516.1009% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,548 |
| Noncurrent loans to loans | 0.3257% | 6,081 |
| Net loans and leases to total assets | 47.9394% | 5,828 |
| Net loans and leases to deposits | 64.4683% | 4,947 |
| Net loans and leases to core deposits | 67.8718% | 5,041 |
| Total domestic deposits to total assets | 74.3612% | 6,681 |
| Equity capital to assets | 9.3625% | 5,070 |
| Core capital (leverage) ratio | 8.8032% | 5,098 |
| Tier 1 risk-based capital ratio | 20.3084% | 1,565 |
| Total risk-based capital ratio | 21.5672% | 1,539 |
| Memoranda: | ||
| Average total assets | $1,852,147,200 | 366 |
| Average earning assets | $1,765,442,200 | 346 |
| Average equity | $174,208,800 | 407 |
| Average total loans | $948,828,800 | 444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 5,667 |
| Cost of funding earning assets | 1.0052% | 3,648 |
| Net interest margin | 3.3765% | 5,646 |
| Noninterest income to average assets | 0.3484% | 5,069 |
| Noninterest expense to average assets | 1.9484% | 6,788 |
| Loan and lease loss provision to assets | 0.1943% | 4,077 |
| Net operating income to assets | 1.1137% | 1,920 |
| Return on assets (ROA) | 1.1202% | 2,040 |
| Pretax return on assets | 1.4319% | 1,846 |
| Return on Equity (ROE) | 11.8947% | 1,575 |
| Retained earnings to average equity (ytd only) | 8.1006% | 1,473 |
| Net charge-offs to loans | 0.1657% | 4,463 |
| Credit loss provision to net charge-offs | 225.7705% | 1,267 |
| Earnings coverage of net charge-offs (x) | 18.7997% | 1,286 |
| Efficiency ratio | 54.6360% | 6,428 |
| Assets per employee ($millions) | 7.7890% | 515 |
| Cash dividends to net income (ytd only)* | 31.8974% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,651 |
| Loan loss allowance to noncurrent loans | 514.0438% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 6,655 |
| Noncurrent loans to loans | 0.3119% | 6,223 |
| Net loans and leases to total assets | 48.9871% | 5,837 |
| Net loans and leases to deposits | 63.1522% | 5,273 |
| Net loans and leases to core deposits | 66.7796% | 5,333 |
| Total domestic deposits to total assets | 77.5699% | 6,280 |
| Equity capital to assets | 9.5872% | 4,951 |
| Core capital (leverage) ratio | 8.9328% | 5,042 |
| Tier 1 risk-based capital ratio | 20.4594% | 1,571 |
| Total risk-based capital ratio | 21.7172% | 1,543 |
| Memoranda: | ||
| Average total assets | $1,809,708,500 | 371 |
| Average earning assets | $1,724,645,000 | 354 |
| Average equity | $170,435,750 | 422 |
| Average total loans | $939,571,250 | 448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 5,650 |
| Cost of funding earning assets | 1.0032% | 3,923 |
| Net interest margin | 3.4071% | 5,531 |
| Noninterest income to average assets | 0.3578% | 5,026 |
| Noninterest expense to average assets | 1.9995% | 6,792 |
| Loan and lease loss provision to assets | 0.2132% | 3,783 |
| Net operating income to assets | 1.0951% | 1,883 |
| Return on assets (ROA) | 1.1061% | 1,940 |
| Pretax return on assets | 1.4030% | 1,791 |
| Return on Equity (ROE) | 11.8220% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,578 |
| Net charge-offs to loans | 0.2692% | 3,538 |
| Credit loss provision to net charge-offs | 150.2793% | 2,034 |
| Earnings coverage of net charge-offs (x) | 11.2953% | 1,729 |
| Efficiency ratio | 55.5119% | 6,458 |
| Assets per employee ($millions) | 7.3886% | 602 |
| Cash dividends to net income (ytd only)* | 34.8040% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,919 |
| Loan loss allowance to noncurrent loans | 575.6289% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 6,744 |
| Noncurrent loans to loans | 0.2685% | 6,389 |
| Net loans and leases to total assets | 50.3024% | 5,781 |
| Net loans and leases to deposits | 64.3517% | 5,229 |
| Net loans and leases to core deposits | 68.3571% | 5,253 |
| Total domestic deposits to total assets | 78.1679% | 6,257 |
| Equity capital to assets | 9.3925% | 4,990 |
| Core capital (leverage) ratio | 9.2740% | 4,286 |
| Tier 1 risk-based capital ratio | 20.4387% | 1,525 |
| Total risk-based capital ratio | 21.6957% | 1,495 |
| Memoranda: | ||
| Average total assets | $1,766,454,330 | 385 |
| Average earning assets | $1,681,936,330 | 365 |
| Average equity | $165,267,670 | 438 |
| Average total loans | $930,903,670 | 459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 5,364 |
| Cost of funding earning assets | 1.0083% | 4,145 |
| Net interest margin | 3.4841% | 5,082 |
| Noninterest income to average assets | 0.3579% | 5,038 |
| Noninterest expense to average assets | 2.0374% | 6,762 |
| Loan and lease loss provision to assets | 0.1983% | 3,647 |
| Net operating income to assets | 1.1268% | 1,748 |
| Return on assets (ROA) | 1.1489% | 1,720 |
| Pretax return on assets | 1.4647% | 1,557 |
| Return on Equity (ROE) | 12.3053% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.5792% | 1,903 |
| Net charge-offs to loans | -0.0022% | 6,180 |
| Credit loss provision to net charge-offs | -17,080.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4832% | 6,558 |
| Assets per employee ($millions) | 6.9958% | 737 |
| Cash dividends to net income (ytd only)* | 38.4071% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,817 |
| Loan loss allowance to noncurrent loans | 387.8227% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,617 |
| Noncurrent loans to loans | 0.4074% | 6,185 |
| Net loans and leases to total assets | 53.3943% | 5,392 |
| Net loans and leases to deposits | 68.2484% | 4,642 |
| Net loans and leases to core deposits | 72.9348% | 4,656 |
| Total domestic deposits to total assets | 78.2352% | 6,348 |
| Equity capital to assets | 9.4949% | 4,445 |
| Core capital (leverage) ratio | 9.3942% | 3,970 |
| Tier 1 risk-based capital ratio | 20.2038% | 1,545 |
| Total risk-based capital ratio | 21.4614% | 1,514 |
| Memoranda: | ||
| Average total assets | $1,722,417,500 | 393 |
| Average earning assets | $1,638,398,500 | 376 |
| Average equity | $160,808,500 | 444 |
| Average total loans | $922,597,500 | 472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 6,171 |
| Cost of funding earning assets | 1.0629% | 5,350 |
| Net interest margin | 3.5174% | 5,177 |
| Noninterest income to average assets | 0.3786% | 5,074 |
| Noninterest expense to average assets | 2.0977% | 6,848 |
| Loan and lease loss provision to assets | 0.2387% | 4,900 |
| Net operating income to assets | 1.0585% | 1,842 |
| Return on assets (ROA) | 1.1381% | 1,662 |
| Pretax return on assets | 1.4824% | 1,419 |
| Return on Equity (ROE) | 13.8099% | 923 |
| Retained earnings to average equity (ytd only) | 11.0757% | 373 |
| Net charge-offs to loans | 0.0352% | 6,450 |
| Credit loss provision to net charge-offs | 1,302.6230% | 172 |
| Earnings coverage of net charge-offs (x) | 88.2787% | 278 |
| Efficiency ratio | 56.4574% | 6,535 |
| Assets per employee ($millions) | 6.8670% | 789 |
| Cash dividends to net income (ytd only)* | 19.7994% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,777 |
| Loan loss allowance to noncurrent loans | 356.0467% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 6,656 |
| Noncurrent loans to loans | 0.4354% | 6,170 |
| Net loans and leases to total assets | 52.0470% | 5,900 |
| Net loans and leases to deposits | 68.8000% | 4,983 |
| Net loans and leases to core deposits | 73.8964% | 4,991 |
| Total domestic deposits to total assets | 75.6497% | 6,672 |
| Equity capital to assets | 9.1752% | 4,878 |
| Core capital (leverage) ratio | 9.3827% | 3,876 |
| Tier 1 risk-based capital ratio | 20.5621% | 1,393 |
| Total risk-based capital ratio | 21.8191% | 1,373 |
| Memoranda: | ||
| Average total assets | $1,664,240,800 | 410 |
| Average earning assets | $1,578,895,800 | 388 |
| Average equity | $137,147,600 | 504 |
| Average total loans | $866,372,400 | 520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 6,309 |
| Cost of funding earning assets | 1.0835% | 5,530 |
| Net interest margin | 3.5267% | 5,194 |
| Noninterest income to average assets | 0.4016% | 4,943 |
| Noninterest expense to average assets | 2.1070% | 6,833 |
| Loan and lease loss provision to assets | 0.1955% | 5,083 |
| Net operating income to assets | 1.0883% | 1,928 |
| Return on assets (ROA) | 1.1924% | 1,697 |
| Pretax return on assets | 1.5796% | 1,396 |
| Return on Equity (ROE) | 14.9059% | 877 |
| Retained earnings to average equity (ytd only) | 13.0907% | 338 |
| Net charge-offs to loans | 0.0496% | 6,027 |
| Credit loss provision to net charge-offs | 759.5611% | 390 |
| Earnings coverage of net charge-offs (x) | 63.5897% | 469 |
| Efficiency ratio | 56.2861% | 6,513 |
| Assets per employee ($millions) | 6.7669% | 851 |
| Cash dividends to net income (ytd only)* | 12.1778% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,405 |
| Loan loss allowance to noncurrent loans | 645.0777% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,066 |
| Noncurrent loans to loans | 0.2186% | 6,742 |
| Net loans and leases to total assets | 51.6650% | 6,142 |
| Net loans and leases to deposits | 66.5490% | 5,598 |
| Net loans and leases to core deposits | 72.0644% | 5,503 |
| Total domestic deposits to total assets | 77.6346% | 6,337 |
| Equity capital to assets | 9.9173% | 4,270 |
| Core capital (leverage) ratio | 9.5357% | 3,851 |
| Tier 1 risk-based capital ratio | 20.0293% | 1,542 |
| Total risk-based capital ratio | 21.2836% | 1,510 |
| Memoranda: | ||
| Average total assets | $1,652,829,250 | 407 |
| Average earning assets | $1,566,141,250 | 394 |
| Average equity | $132,213,000 | 506 |
| Average total loans | $856,975,750 | 520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 6,307 |
| Cost of funding earning assets | 1.1283% | 5,534 |
| Net interest margin | 3.5242% | 5,141 |
| Noninterest income to average assets | 0.3869% | 5,018 |
| Noninterest expense to average assets | 2.1215% | 6,836 |
| Loan and lease loss provision to assets | 0.1946% | 4,935 |
| Net operating income to assets | 1.0525% | 2,008 |
| Return on assets (ROA) | 1.2095% | 1,604 |
| Pretax return on assets | 1.6174% | 1,256 |
| Return on Equity (ROE) | 16.4716% | 635 |
| Retained earnings to average equity (ytd only) | 14.8130% | 254 |
| Net charge-offs to loans | 0.0009% | 6,368 |
| Credit loss provision to net charge-offs | 39,950.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,289.7500% | 1 |
| Efficiency ratio | 56.9658% | 6,513 |
| Assets per employee ($millions) | 6.3929% | 1,008 |
| Cash dividends to net income (ytd only)* | 10.0695% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,514 |
| Loan loss allowance to noncurrent loans | 663.7021% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 7,107 |
| Noncurrent loans to loans | 0.2083% | 6,836 |
| Net loans and leases to total assets | 53.2898% | 6,077 |
| Net loans and leases to deposits | 66.8539% | 5,703 |
| Net loans and leases to core deposits | 71.8166% | 5,691 |
| Total domestic deposits to total assets | 79.7108% | 5,814 |
| Equity capital to assets | 7.9788% | 6,774 |
| Core capital (leverage) ratio | 7.4866% | 6,832 |
| Tier 1 risk-based capital ratio | 15.4466% | 2,926 |
| Total risk-based capital ratio | 16.7002% | 2,885 |
| Memoranda: | ||
| Average total assets | $1,642,119,670 | 413 |
| Average earning assets | $1,555,027,670 | 397 |
| Average equity | $120,583,330 | 553 |
| Average total loans | $848,306,330 | 521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 6,405 |
| Cost of funding earning assets | 1.1965% | 5,431 |
| Net interest margin | 3.4549% | 5,355 |
| Noninterest income to average assets | 0.3856% | 5,039 |
| Noninterest expense to average assets | 2.1023% | 6,936 |
| Loan and lease loss provision to assets | 0.1870% | 4,639 |
| Net operating income to assets | 1.0367% | 2,047 |
| Return on assets (ROA) | 1.1401% | 1,782 |
| Pretax return on assets | 1.5057% | 1,495 |
| Return on Equity (ROE) | 16.1995% | 690 |
| Retained earnings to average equity (ytd only) | 12.7840% | 651 |
| Net charge-offs to loans | 0.0048% | 5,550 |
| Credit loss provision to net charge-offs | 7,780.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 647.6000% | 36 |
| Efficiency ratio | 57.4563% | 6,569 |
| Assets per employee ($millions) | 6.5343% | 980 |
| Cash dividends to net income (ytd only)* | 21.0837% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,926 |
| Loan loss allowance to noncurrent loans | 617.7877% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 7,206 |
| Noncurrent loans to loans | 0.2107% | 6,916 |
| Net loans and leases to total assets | 50.9631% | 6,381 |
| Net loans and leases to deposits | 64.6824% | 5,976 |
| Net loans and leases to core deposits | 71.7879% | 5,741 |
| Total domestic deposits to total assets | 78.7899% | 6,127 |
| Equity capital to assets | 7.2386% | 7,259 |
| Core capital (leverage) ratio | 6.9809% | 7,266 |
| Tier 1 risk-based capital ratio | 14.5570% | 3,351 |
| Total risk-based capital ratio | 15.8089% | 3,313 |
| Memoranda: | ||
| Average total assets | $1,664,066,500 | 418 |
| Average earning assets | $1,576,656,000 | 406 |
| Average equity | $117,115,000 | 574 |
| Average total loans | $840,644,000 | 542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 6,587 |
| Cost of funding earning assets | 1.3713% | 6,048 |
| Net interest margin | 3.5767% | 4,629 |
| Noninterest income to average assets | 0.4480% | 4,827 |
| Noninterest expense to average assets | 2.3853% | 6,510 |
| Loan and lease loss provision to assets | 0.3016% | 5,021 |
| Net operating income to assets | 0.9064% | 2,157 |
| Return on assets (ROA) | 0.9868% | 1,934 |
| Pretax return on assets | 1.2320% | 1,863 |
| Return on Equity (ROE) | 12.9864% | 961 |
| Retained earnings to average equity (ytd only) | 9.2813% | 450 |
| Net charge-offs to loans | 0.0021% | 7,226 |
| Credit loss provision to net charge-offs | 28,566.6667% | 13 |
| Earnings coverage of net charge-offs (x) | 1,357.4667% | 16 |
| Efficiency ratio | 62.4677% | 6,063 |
| Assets per employee ($millions) | 6.9790% | 805 |
| Cash dividends to net income (ytd only)* | 28.5307% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,051 |
| Loan loss allowance to noncurrent loans | 2,394.9074% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 7,458 |
| Noncurrent loans to loans | 0.0522% | 7,295 |
| Net loans and leases to total assets | 48.7963% | 6,749 |
| Net loans and leases to deposits | 63.8536% | 6,286 |
| Net loans and leases to core deposits | 76.8886% | 6,343 |
| Total domestic deposits to total assets | 76.4191% | 6,601 |
| Equity capital to assets | 6.8397% | 7,449 |
| Core capital (leverage) ratio | 7.0614% | 7,189 |
| Tier 1 risk-based capital ratio | 14.3079% | 3,319 |
| Total risk-based capital ratio | 15.5590% | 3,267 |
| Memoranda: | ||
| Average total assets | $1,420,812,200 | 480 |
| Average earning assets | $1,338,865,200 | 462 |
| Average equity | $107,959,400 | 604 |
| Average total loans | $723,243,600 | 638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 6,489 |
| Cost of funding earning assets | 1.4016% | 6,225 |
| Net interest margin | 3.6351% | 4,351 |
| Noninterest income to average assets | 0.4646% | 4,784 |
| Noninterest expense to average assets | 2.4559% | 6,225 |
| Loan and lease loss provision to assets | 0.0625% | 6,739 |
| Net operating income to assets | 1.0508% | 1,896 |
| Return on assets (ROA) | 1.1464% | 1,665 |
| Pretax return on assets | 1.4912% | 1,438 |
| Return on Equity (ROE) | 14.6363% | 821 |
| Retained earnings to average equity (ytd only) | 11.5008% | 412 |
| Net charge-offs to loans | -0.0155% | 7,734 |
| Credit loss provision to net charge-offs | -785.1852% | 7,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2089% | 5,888 |
| Assets per employee ($millions) | 6.5256% | 974 |
| Cash dividends to net income (ytd only)* | 21.4225% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 6,822 |
| Loan loss allowance to noncurrent loans | 1,244.1392% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 7,489 |
| Noncurrent loans to loans | 0.0712% | 7,318 |
| Net loans and leases to total assets | 50.4277% | 6,745 |
| Net loans and leases to deposits | 64.4012% | 6,460 |
| Net loans and leases to core deposits | 78.8034% | 6,432 |
| Total domestic deposits to total assets | 78.3024% | 6,001 |
| Equity capital to assets | 7.7159% | 7,135 |
| Core capital (leverage) ratio | 7.5634% | 6,904 |
| Tier 1 risk-based capital ratio | 15.0783% | 3,004 |
| Total risk-based capital ratio | 16.0107% | 3,104 |
| Memoranda: | ||
| Average total assets | $1,357,274,750 | 514 |
| Average earning assets | $1,277,253,500 | 492 |
| Average equity | $106,308,500 | 622 |
| Average total loans | $697,138,000 | 686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 6,436 |
| Cost of funding earning assets | 1.4161% | 6,426 |
| Net interest margin | 3.6844% | 4,020 |
| Noninterest income to average assets | 0.4842% | 4,590 |
| Noninterest expense to average assets | 2.5540% | 5,929 |
| Loan and lease loss provision to assets | 0.0162% | 7,065 |
| Net operating income to assets | 1.0567% | 1,925 |
| Return on assets (ROA) | 1.1683% | 1,643 |
| Pretax return on assets | 1.5137% | 1,405 |
| Return on Equity (ROE) | 14.8309% | 860 |
| Retained earnings to average equity (ytd only) | 9.9753% | 740 |
| Net charge-offs to loans | -0.0036% | 7,503 |
| Credit loss provision to net charge-offs | -883.3333% | 7,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8373% | 5,752 |
| Assets per employee ($millions) | 6.3101% | 1,051 |
| Cash dividends to net income (ytd only)* | 32.7397% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,823 |
| Loan loss allowance to noncurrent loans | 930.0300% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 7,484 |
| Noncurrent loans to loans | 0.0955% | 7,288 |
| Net loans and leases to total assets | 49.3283% | 6,929 |
| Net loans and leases to deposits | 61.6610% | 6,758 |
| Net loans and leases to core deposits | 74.1409% | 6,782 |
| Total domestic deposits to total assets | 79.9992% | 5,481 |
| Equity capital to assets | 7.4942% | 7,268 |
| Core capital (leverage) ratio | 7.8931% | 6,500 |
| Tier 1 risk-based capital ratio | 15.8560% | 2,676 |
| Total risk-based capital ratio | 16.7842% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,307,225,000 | 543 |
| Average earning assets | $1,225,767,670 | 524 |
| Average equity | $102,974,330 | 650 |
| Average total loans | $673,866,670 | 732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 6,169 |
| Cost of funding earning assets | 1.3305% | 6,930 |
| Net interest margin | 3.9083% | 3,010 |
| Noninterest income to average assets | 0.5008% | 4,313 |
| Noninterest expense to average assets | 2.5319% | 5,727 |
| Loan and lease loss provision to assets | -0.0533% | 8,192 |
| Net operating income to assets | 1.2986% | 1,385 |
| Return on assets (ROA) | 1.2986% | 1,482 |
| Pretax return on assets | 1.6969% | 1,186 |
| Return on Equity (ROE) | 16.0517% | 816 |
| Retained earnings to average equity (ytd only) | 12.1290% | 764 |
| Net charge-offs to loans | -0.0036% | 7,151 |
| Credit loss provision to net charge-offs | 2,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6369% | 6,304 |
| Assets per employee ($millions) | 5.6236% | 1,455 |
| Cash dividends to net income (ytd only)* | 24.4379% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,803 |
| Loan loss allowance to noncurrent loans | 5,280.3571% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 7,617 |
| Noncurrent loans to loans | 0.0168% | 7,518 |
| Net loans and leases to total assets | 52.4213% | 6,640 |
| Net loans and leases to deposits | 67.7281% | 6,210 |
| Net loans and leases to core deposits | 80.5007% | 6,345 |
| Total domestic deposits to total assets | 77.3996% | 6,180 |
| Equity capital to assets | 8.3077% | 6,379 |
| Core capital (leverage) ratio | 8.3203% | 5,866 |
| Tier 1 risk-based capital ratio | 16.3921% | 2,556 |
| Total risk-based capital ratio | 17.3264% | 2,601 |
| Memoranda: | ||
| Average total assets | $1,260,412,000 | 560 |
| Average earning assets | $1,185,074,500 | 539 |
| Average equity | $101,970,500 | 659 |
| Average total loans | $662,195,000 | 750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 7,478 |
| Cost of funding earning assets | 1.5157% | 7,584 |
| Net interest margin | 3.8714% | 3,702 |
| Noninterest income to average assets | 0.5169% | 4,495 |
| Noninterest expense to average assets | 2.4706% | 6,130 |
| Loan and lease loss provision to assets | 0.1659% | 5,262 |
| Net operating income to assets | 1.1256% | 2,048 |
| Return on assets (ROA) | 1.1410% | 1,903 |
| Pretax return on assets | 1.5589% | 1,517 |
| Return on Equity (ROE) | 13.5343% | 1,203 |
| Retained earnings to average equity (ytd only) | 2.3021% | 3,773 |
| Net charge-offs to loans | 0.0560% | 5,982 |
| Credit loss provision to net charge-offs | 604.0373% | 711 |
| Earnings coverage of net charge-offs (x) | 62.0217% | 649 |
| Efficiency ratio | 59.1862% | 6,500 |
| Assets per employee ($millions) | 5.9208% | 1,180 |
| Cash dividends to net income (ytd only)* | 82.9907% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 6,541 |
| Loan loss allowance to noncurrent loans | 3,945.4545% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 7,570 |
| Noncurrent loans to loans | 0.0234% | 7,423 |
| Net loans and leases to total assets | 51.7038% | 6,872 |
| Net loans and leases to deposits | 72.1089% | 6,049 |
| Net loans and leases to core deposits | 84.6589% | 6,240 |
| Total domestic deposits to total assets | 71.7024% | 7,055 |
| Equity capital to assets | 7.8730% | 7,007 |
| Core capital (leverage) ratio | 8.0333% | 6,435 |
| Tier 1 risk-based capital ratio | 16.2916% | 2,555 |
| Total risk-based capital ratio | 17.2749% | 2,601 |
| Memoranda: | ||
| Average total assets | $1,172,210,200 | 571 |
| Average earning assets | $1,107,438,600 | 555 |
| Average equity | $98,822,800 | 675 |
| Average total loans | $575,502,200 | 831 |