Home > Tri Counties Bank > Performance and Condition Ratios
Tri Counties Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 2,266 |
| Cost of funding earning assets | 0.8366% | 3,641 |
| Net interest margin | 4.0663% | 1,112 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.3493% | 2,719 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.2465% | 1,543 |
| Return on assets (ROA) | 1.2445% | 1,522 |
| Pretax return on assets | 1.7086% | 1,051 |
| Return on Equity (ROE) | 10.3800% | 2,387 |
| Retained earnings to average equity (ytd only) | 5.9238% | 2,279 |
| Net charge-offs to loans | 0.1005% | 905 |
| Credit loss provision to net charge-offs | 339.5584% | 874 |
| Earnings coverage of net charge-offs (x) | 29.2026% | 1,648 |
| Efficiency ratio | 53.1557% | 3,741 |
| Assets per employee ($millions) | 8.2083% | 1,331 |
| Cash dividends to net income (ytd only)* | 42.9285% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 550 |
| Loan loss allowance to noncurrent loans | 381.0662% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 1,568 |
| Noncurrent loans to loans | 0.4693% | 1,609 |
| Net loans and leases to total assets | 67.3600% | 2,110 |
| Net loans and leases to deposits | 85.1244% | 1,680 |
| Net loans and leases to core deposits | 87.6332% | 2,201 |
| Total domestic deposits to total assets | 79.1300% | 3,594 |
| Equity capital to assets | 12.6521% | 955 |
| Core capital (leverage) ratio | 11.1214% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6610% | 1,637 |
| Memoranda: | ||
| Average total assets | $9,883,779,800 | 159 |
| Average earning assets | $8,940,578,600 | 159 |
| Average equity | $1,185,084,400 | 149 |
| Average total loans | $6,580,195,000 | 166 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 2,233 |
| Cost of funding earning assets | 0.7061% | 3,753 |
| Net interest margin | 4.1076% | 1,056 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.3245% | 2,716 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.2914% | 1,565 |
| Return on assets (ROA) | 1.2888% | 1,554 |
| Pretax return on assets | 1.7604% | 1,066 |
| Return on Equity (ROE) | 10.9000% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.1778% | 2,576 |
| Net charge-offs to loans | 0.1284% | 628 |
| Credit loss provision to net charge-offs | 261.2605% | 963 |
| Earnings coverage of net charge-offs (x) | 23.6615% | 1,727 |
| Efficiency ratio | 52.1418% | 3,747 |
| Assets per employee ($millions) | 8.1501% | 1,278 |
| Cash dividends to net income (ytd only)* | 43.3207% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 663 |
| Loan loss allowance to noncurrent loans | 388.6439% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 1,708 |
| Noncurrent loans to loans | 0.4441% | 1,714 |
| Net loans and leases to total assets | 66.6400% | 2,186 |
| Net loans and leases to deposits | 82.2621% | 1,887 |
| Net loans and leases to core deposits | 83.9081% | 2,330 |
| Total domestic deposits to total assets | 81.0100% | 3,387 |
| Equity capital to assets | 11.7653% | 1,102 |
| Core capital (leverage) ratio | 10.9793% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4389% | 1,736 |
| Memoranda: | ||
| Average total assets | $9,877,872,000 | 161 |
| Average earning assets | $8,930,945,000 | 159 |
| Average equity | $1,167,982,500 | 153 |
| Average total loans | $6,526,511,750 | 169 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 2,190 |
| Cost of funding earning assets | 0.5560% | 3,867 |
| Net interest margin | 4.1507% | 1,002 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.3181% | 2,750 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.2886% | 1,597 |
| Return on assets (ROA) | 1.2859% | 1,590 |
| Pretax return on assets | 1.7491% | 1,117 |
| Return on Equity (ROE) | 10.8600% | 2,460 |
| Retained earnings to average equity (ytd only) | 5.7577% | 2,708 |
| Net charge-offs to loans | 0.0509% | 1,004 |
| Credit loss provision to net charge-offs | 807.7157% | 477 |
| Earnings coverage of net charge-offs (x) | 60.9642% | 1,193 |
| Efficiency ratio | 51.7356% | 3,791 |
| Assets per employee ($millions) | 8.1479% | 1,250 |
| Cash dividends to net income (ytd only)* | 46.9698% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 615 |
| Loan loss allowance to noncurrent loans | 311.8462% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,297 |
| Noncurrent loans to loans | 0.5769% | 1,297 |
| Net loans and leases to total assets | 65.0100% | 2,278 |
| Net loans and leases to deposits | 79.0589% | 2,040 |
| Net loans and leases to core deposits | 80.3004% | 2,446 |
| Total domestic deposits to total assets | 82.2400% | 3,179 |
| Equity capital to assets | 12.0456% | 1,033 |
| Core capital (leverage) ratio | 10.7900% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4088% | 1,757 |
| Memoranda: | ||
| Average total assets | $9,872,403,667 | 156 |
| Average earning assets | $8,926,201,000 | 155 |
| Average equity | $1,169,279,667 | 150 |
| Average total loans | $6,465,579,000 | 164 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 2,075 |
| Cost of funding earning assets | 0.3558% | 4,058 |
| Net interest margin | 4.2483% | 879 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.1687% | 3,189 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.5062% | 1,175 |
| Return on assets (ROA) | 1.5023% | 1,158 |
| Pretax return on assets | 2.0563% | 703 |
| Return on Equity (ROE) | 12.7900% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.5161% | 2,640 |
| Net charge-offs to loans | 0.0987% | 603 |
| Credit loss provision to net charge-offs | 271.7254% | 725 |
| Earnings coverage of net charge-offs (x) | 34.7135% | 1,247 |
| Efficiency ratio | 47.7684% | 4,094 |
| Assets per employee ($millions) | 8.0720% | 1,301 |
| Cash dividends to net income (ytd only)* | 49.0638% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 834 |
| Loan loss allowance to noncurrent loans | 676.4867% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,156 |
| Noncurrent loans to loans | 0.2495% | 2,254 |
| Net loans and leases to total assets | 64.1700% | 2,237 |
| Net loans and leases to deposits | 78.6084% | 1,918 |
| Net loans and leases to core deposits | 79.4508% | 2,291 |
| Total domestic deposits to total assets | 81.6300% | 3,541 |
| Equity capital to assets | 12.0208% | 993 |
| Core capital (leverage) ratio | 10.5717% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4162% | 1,824 |
| Memoranda: | ||
| Average total assets | $9,883,203,000 | 161 |
| Average earning assets | $8,940,349,500 | 161 |
| Average equity | $1,160,624,000 | 155 |
| Average total loans | $6,437,469,500 | 170 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 1,707 |
| Cost of funding earning assets | 0.0576% | 4,557 |
| Net interest margin | 3.9468% | 864 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.2277% | 2,953 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.3270% | 1,345 |
| Return on assets (ROA) | 1.3243% | 1,315 |
| Pretax return on assets | 1.8375% | 667 |
| Return on Equity (ROE) | 11.5300% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.7948% | 2,719 |
| Net charge-offs to loans | -0.0054% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.7904% | 4,082 |
| Assets per employee ($millions) | 8.1701% | 1,244 |
| Cash dividends to net income (ytd only)* | 49.7258% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 902 |
| Loan loss allowance to noncurrent loans | 495.6616% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 1,902 |
| Noncurrent loans to loans | 0.3304% | 1,970 |
| Net loans and leases to total assets | 63.9400% | 2,249 |
| Net loans and leases to deposits | 76.1488% | 2,086 |
| Net loans and leases to core deposits | 76.5470% | 2,383 |
| Total domestic deposits to total assets | 83.9600% | 3,218 |
| Equity capital to assets | 11.4684% | 1,095 |
| Core capital (leverage) ratio | 10.5124% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1004% | 1,939 |
| Memoranda: | ||
| Average total assets | $9,747,395,600 | 162 |
| Average earning assets | $8,877,056,000 | 160 |
| Average equity | $1,119,908,200 | 157 |
| Average total loans | $5,930,912,400 | 172 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 1,755 |
| Cost of funding earning assets | 0.0382% | 4,620 |
| Net interest margin | 3.7644% | 1,009 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.1664% | 3,018 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.2615% | 1,487 |
| Return on assets (ROA) | 1.2577% | 1,468 |
| Pretax return on assets | 1.7358% | 835 |
| Return on Equity (ROE) | 10.9400% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.6816% | 3,205 |
| Net charge-offs to loans | -0.0099% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.2563% | 4,063 |
| Assets per employee ($millions) | 8.2741% | 1,182 |
| Cash dividends to net income (ytd only)* | 57.2133% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,048 |
| Loan loss allowance to noncurrent loans | 580.8941% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,205 |
| Noncurrent loans to loans | 0.2767% | 2,266 |
| Net loans and leases to total assets | 62.3200% | 2,251 |
| Net loans and leases to deposits | 71.7402% | 2,232 |
| Net loans and leases to core deposits | 72.1144% | 2,474 |
| Total domestic deposits to total assets | 86.8600% | 2,808 |
| Equity capital to assets | 10.8392% | 1,234 |
| Core capital (leverage) ratio | 9.9584% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8647% | 2,105 |
| Memoranda: | ||
| Average total assets | $9,702,580,750 | 163 |
| Average earning assets | $8,852,935,250 | 161 |
| Average equity | $1,115,278,250 | 159 |
| Average total loans | $5,800,567,250 | 172 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 1,998 |
| Cost of funding earning assets | 0.0349% | 4,675 |
| Net interest margin | 3.5141% | 1,280 |
| Noninterest income to average assets | 0.6802% | 1,431 |
| Noninterest expense to average assets | 2.1507% | 2,995 |
| Loan and lease loss provision to assets | 0.2170% | 365 |
| Net operating income to assets | 1.1077% | 1,746 |
| Return on assets (ROA) | 1.1039% | 1,734 |
| Pretax return on assets | 1.5236% | 1,114 |
| Return on Equity (ROE) | 9.4178% | 2,558 |
| Retained earnings to average equity (ytd only) | 3.1159% | 3,411 |
| Net charge-offs to loans | -0.0137% | 3,722 |
| Credit loss provision to net charge-offs | -2,628.2383% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6380% | 3,997 |
| Assets per employee ($millions) | 8.4945% | 1,068 |
| Cash dividends to net income (ytd only)* | 66.9148% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,149 |
| Loan loss allowance to noncurrent loans | 821.1956% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 2,657 |
| Noncurrent loans to loans | 0.1951% | 2,730 |
| Net loans and leases to total assets | 59.4712% | 2,385 |
| Net loans and leases to deposits | 68.6688% | 2,327 |
| Net loans and leases to core deposits | 69.0562% | 2,562 |
| Total domestic deposits to total assets | 86.6059% | 3,076 |
| Equity capital to assets | 11.2175% | 1,126 |
| Core capital (leverage) ratio | 9.7247% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0443% | 2,043 |
| Memoranda: | ||
| Average total assets | $9,613,330,667 | 164 |
| Average earning assets | $8,797,555,333 | 161 |
| Average equity | $1,126,803,000 | 159 |
| Average total loans | $5,629,244,000 | 171 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 2,635 |
| Cost of funding earning assets | 0.0318% | 4,702 |
| Net interest margin | 3.1845% | 1,931 |
| Noninterest income to average assets | 0.6869% | 1,359 |
| Noninterest expense to average assets | 2.0215% | 3,384 |
| Loan and lease loss provision to assets | 0.3559% | 162 |
| Net operating income to assets | 0.8912% | 2,306 |
| Return on assets (ROA) | 0.8866% | 2,326 |
| Pretax return on assets | 1.2295% | 1,703 |
| Return on Equity (ROE) | 7.3921% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.6196% | 2,731 |
| Net charge-offs to loans | -0.0321% | 4,111 |
| Credit loss provision to net charge-offs | -1,899.3056% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5007% | 4,024 |
| Assets per employee ($millions) | 9.1449% | 868 |
| Cash dividends to net income (ytd only)* | 37.5054% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,175 |
| Loan loss allowance to noncurrent loans | 681.7788% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,614 |
| Noncurrent loans to loans | 0.2407% | 2,634 |
| Net loans and leases to total assets | 56.9190% | 2,429 |
| Net loans and leases to deposits | 65.9973% | 2,340 |
| Net loans and leases to core deposits | 66.4266% | 2,594 |
| Total domestic deposits to total assets | 86.2444% | 3,177 |
| Equity capital to assets | 11.8442% | 1,006 |
| Core capital (leverage) ratio | 11.1832% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8149% | 1,865 |
| Memoranda: | ||
| Average total assets | $9,361,504,500 | 171 |
| Average earning assets | $8,601,237,500 | 167 |
| Average equity | $1,122,770,000 | 158 |
| Average total loans | $5,386,547,500 | 179 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 2,144 |
| Cost of funding earning assets | 0.0445% | 4,710 |
| Net interest margin | 3.6441% | 1,352 |
| Noninterest income to average assets | 0.7881% | 1,478 |
| Noninterest expense to average assets | 2.1770% | 3,152 |
| Loan and lease loss provision to assets | -0.0829% | 4,489 |
| Net operating income to assets | 1.4671% | 1,085 |
| Return on assets (ROA) | 1.4662% | 1,151 |
| Pretax return on assets | 2.0406% | 562 |
| Return on Equity (ROE) | 11.8853% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.7547% | 1,266 |
| Net charge-offs to loans | -0.0142% | 3,852 |
| Credit loss provision to net charge-offs | 1,032.4207% | 521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0212% | 4,202 |
| Assets per employee ($millions) | 8.0156% | 1,321 |
| Cash dividends to net income (ytd only)* | 26.3399% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 969 |
| Loan loss allowance to noncurrent loans | 281.3048% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,696 |
| Noncurrent loans to loans | 0.6169% | 1,601 |
| Net loans and leases to total assets | 56.1607% | 2,587 |
| Net loans and leases to deposits | 65.5812% | 2,550 |
| Net loans and leases to core deposits | 65.9718% | 2,824 |
| Total domestic deposits to total assets | 85.6354% | 3,042 |
| Equity capital to assets | 12.1688% | 1,186 |
| Core capital (leverage) ratio | 9.7739% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2807% | 1,746 |
| Memoranda: | ||
| Average total assets | $8,174,662,000 | 183 |
| Average earning assets | $7,509,902,800 | 182 |
| Average equity | $1,008,472,800 | 173 |
| Average total loans | $4,900,328,400 | 193 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 2,245 |
| Cost of funding earning assets | 0.0475% | 4,782 |
| Net interest margin | 3.6649% | 1,418 |
| Noninterest income to average assets | 0.7914% | 1,550 |
| Noninterest expense to average assets | 2.1734% | 3,156 |
| Loan and lease loss provision to assets | -0.1282% | 4,658 |
| Net operating income to assets | 1.5070% | 1,256 |
| Return on assets (ROA) | 1.5062% | 1,307 |
| Pretax return on assets | 2.1070% | 664 |
| Return on Equity (ROE) | 12.1650% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.0681% | 1,667 |
| Net charge-offs to loans | -0.0092% | 3,645 |
| Credit loss provision to net charge-offs | 2,324.4838% | 295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6304% | 4,160 |
| Assets per employee ($millions) | 8.0341% | 1,254 |
| Cash dividends to net income (ytd only)* | 25.4574% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 1,062 |
| Loan loss allowance to noncurrent loans | 292.8308% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 1,959 |
| Noncurrent loans to loans | 0.5887% | 1,835 |
| Net loans and leases to total assets | 56.8664% | 2,629 |
| Net loans and leases to deposits | 66.3689% | 2,596 |
| Net loans and leases to core deposits | 66.8978% | 2,872 |
| Total domestic deposits to total assets | 85.6823% | 2,876 |
| Equity capital to assets | 12.1775% | 1,321 |
| Core capital (leverage) ratio | 9.7382% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2606% | 1,879 |
| Memoranda: | ||
| Average total assets | $8,066,148,750 | 184 |
| Average earning assets | $7,399,252,500 | 181 |
| Average equity | $998,696,500 | 173 |
| Average total loans | $4,895,388,000 | 193 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 2,202 |
| Cost of funding earning assets | 0.0488% | 4,827 |
| Net interest margin | 3.7014% | 1,347 |
| Noninterest income to average assets | 0.8216% | 1,474 |
| Noninterest expense to average assets | 2.1602% | 3,212 |
| Loan and lease loss provision to assets | -0.1592% | 4,718 |
| Net operating income to assets | 1.5926% | 1,062 |
| Return on assets (ROA) | 1.5917% | 1,120 |
| Pretax return on assets | 2.2114% | 566 |
| Return on Equity (ROE) | 12.7807% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.5154% | 1,548 |
| Net charge-offs to loans | -0.0245% | 4,069 |
| Credit loss provision to net charge-offs | 1,064.1667% | 456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5569% | 4,267 |
| Assets per employee ($millions) | 7.9168% | 1,253 |
| Cash dividends to net income (ytd only)* | 25.5485% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 990 |
| Loan loss allowance to noncurrent loans | 263.1624% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 1,909 |
| Noncurrent loans to loans | 0.6606% | 1,766 |
| Net loans and leases to total assets | 59.5985% | 2,472 |
| Net loans and leases to deposits | 69.5248% | 2,459 |
| Net loans and leases to core deposits | 70.1119% | 2,769 |
| Total domestic deposits to total assets | 85.7227% | 2,831 |
| Equity capital to assets | 12.3990% | 1,183 |
| Core capital (leverage) ratio | 9.7237% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1222% | 1,933 |
| Memoranda: | ||
| Average total assets | $7,937,583,667 | 186 |
| Average earning assets | $7,274,063,667 | 183 |
| Average equity | $988,521,667 | 173 |
| Average total loans | $4,896,994,667 | 194 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 2,113 |
| Cost of funding earning assets | 0.0526% | 4,859 |
| Net interest margin | 3.7422% | 1,246 |
| Noninterest income to average assets | 0.8262% | 1,523 |
| Noninterest expense to average assets | 2.1156% | 3,378 |
| Loan and lease loss provision to assets | -0.3098% | 4,862 |
| Net operating income to assets | 1.7498% | 860 |
| Return on assets (ROA) | 1.7476% | 917 |
| Pretax return on assets | 2.4413% | 489 |
| Return on Equity (ROE) | 14.0009% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.8181% | 1,441 |
| Net charge-offs to loans | -0.0274% | 4,132 |
| Credit loss provision to net charge-offs | 1,868.2635% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0593% | 4,337 |
| Assets per employee ($millions) | 7.8333% | 1,269 |
| Cash dividends to net income (ytd only)* | 22.7325% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 980 |
| Loan loss allowance to noncurrent loans | 296.9422% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 2,237 |
| Noncurrent loans to loans | 0.5822% | 2,115 |
| Net loans and leases to total assets | 60.9006% | 2,414 |
| Net loans and leases to deposits | 71.1263% | 2,407 |
| Net loans and leases to core deposits | 71.7875% | 2,716 |
| Total domestic deposits to total assets | 85.6233% | 2,884 |
| Equity capital to assets | 12.2871% | 1,157 |
| Core capital (leverage) ratio | 9.8379% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9013% | 1,927 |
| Memoranda: | ||
| Average total assets | $7,825,273,500 | 186 |
| Average earning assets | $7,158,811,000 | 186 |
| Average equity | $976,767,000 | 173 |
| Average total loans | $4,870,183,500 | 196 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,226 |
| Cost of funding earning assets | 0.1078% | 4,847 |
| Net interest margin | 4.0645% | 846 |
| Noninterest income to average assets | 0.7815% | 1,582 |
| Noninterest expense to average assets | 2.5724% | 2,634 |
| Loan and lease loss provision to assets | 0.6051% | 329 |
| Net operating income to assets | 0.9500% | 2,480 |
| Return on assets (ROA) | 0.9508% | 2,625 |
| Pretax return on assets | 1.2839% | 2,034 |
| Return on Equity (ROE) | 7.1095% | 3,166 |
| Retained earnings to average equity (ytd only) | 0.4070% | 4,395 |
| Net charge-offs to loans | -0.0028% | 4,031 |
| Credit loss provision to net charge-offs | -32,933.0769% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8572% | 4,001 |
| Assets per employee ($millions) | 7.3429% | 1,371 |
| Cash dividends to net income (ytd only)* | 94.2753% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 682 |
| Loan loss allowance to noncurrent loans | 341.8962% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 2,430 |
| Noncurrent loans to loans | 0.5633% | 2,292 |
| Net loans and leases to total assets | 61.3108% | 2,688 |
| Net loans and leases to deposits | 71.8434% | 2,700 |
| Net loans and leases to core deposits | 72.6259% | 3,025 |
| Total domestic deposits to total assets | 85.3396% | 2,638 |
| Equity capital to assets | 12.6874% | 1,235 |
| Core capital (leverage) ratio | 9.7602% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9744% | 1,859 |
| Memoranda: | ||
| Average total assets | $7,074,888,200 | 190 |
| Average earning assets | $6,403,822,600 | 189 |
| Average equity | $946,195,200 | 171 |
| Average total loans | $4,621,289,600 | 200 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,282 |
| Cost of funding earning assets | 0.1233% | 4,869 |
| Net interest margin | 4.1161% | 869 |
| Noninterest income to average assets | 0.7411% | 1,674 |
| Noninterest expense to average assets | 2.6206% | 2,479 |
| Loan and lease loss provision to assets | 0.7297% | 276 |
| Net operating income to assets | 0.8266% | 2,991 |
| Return on assets (ROA) | 0.8278% | 3,114 |
| Pretax return on assets | 1.1082% | 2,717 |
| Return on Equity (ROE) | 6.1036% | 3,521 |
| Retained earnings to average equity (ytd only) | -0.4670% | 4,551 |
| Net charge-offs to loans | -0.0090% | 4,199 |
| Credit loss provision to net charge-offs | -12,325.6494% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9453% | 3,801 |
| Assets per employee ($millions) | 6.8142% | 1,618 |
| Cash dividends to net income (ytd only)* | 107.6510% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 699 |
| Loan loss allowance to noncurrent loans | 381.3578% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 2,803 |
| Noncurrent loans to loans | 0.4752% | 2,631 |
| Net loans and leases to total assets | 63.7134% | 2,803 |
| Net loans and leases to deposits | 74.7850% | 2,882 |
| Net loans and leases to core deposits | 75.9050% | 3,171 |
| Total domestic deposits to total assets | 85.1955% | 2,362 |
| Equity capital to assets | 12.8027% | 1,274 |
| Core capital (leverage) ratio | 9.8877% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1432% | 1,780 |
| Memoranda: | ||
| Average total assets | $6,936,301,750 | 191 |
| Average earning assets | $6,261,854,250 | 190 |
| Average equity | $940,756,500 | 170 |
| Average total loans | $4,584,263,250 | 200 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 2,237 |
| Cost of funding earning assets | 0.1437% | 4,894 |
| Net interest margin | 4.2475% | 831 |
| Noninterest income to average assets | 0.6931% | 1,762 |
| Noninterest expense to average assets | 2.6630% | 2,484 |
| Loan and lease loss provision to assets | 0.8894% | 254 |
| Net operating income to assets | 0.7345% | 3,265 |
| Return on assets (ROA) | 0.7362% | 3,374 |
| Pretax return on assets | 0.9647% | 3,130 |
| Return on Equity (ROE) | 5.3186% | 3,741 |
| Retained earnings to average equity (ytd only) | -3.1060% | 4,660 |
| Net charge-offs to loans | -0.0054% | 4,034 |
| Credit loss provision to net charge-offs | -24,866.9421% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1068% | 3,799 |
| Assets per employee ($millions) | 6.5465% | 1,742 |
| Cash dividends to net income (ytd only)* | 158.4003% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 893 |
| Loan loss allowance to noncurrent loans | 369.6069% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,036 |
| Noncurrent loans to loans | 0.4485% | 2,809 |
| Net loans and leases to total assets | 64.2813% | 2,848 |
| Net loans and leases to deposits | 75.6414% | 2,911 |
| Net loans and leases to core deposits | 76.9011% | 3,208 |
| Total domestic deposits to total assets | 84.9817% | 2,406 |
| Equity capital to assets | 12.7310% | 1,264 |
| Core capital (leverage) ratio | 10.2107% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0406% | 1,800 |
| Memoranda: | ||
| Average total assets | $6,765,759,333 | 191 |
| Average earning assets | $6,087,950,333 | 191 |
| Average equity | $936,495,667 | 171 |
| Average total loans | $4,501,382,000 | 201 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,998 |
| Cost of funding earning assets | 0.1767% | 4,934 |
| Net interest margin | 4.4225% | 597 |
| Noninterest income to average assets | 0.7304% | 1,530 |
| Noninterest expense to average assets | 2.7596% | 2,547 |
| Loan and lease loss provision to assets | 0.4946% | 596 |
| Net operating income to assets | 1.0378% | 2,050 |
| Return on assets (ROA) | 1.0401% | 2,135 |
| Pretax return on assets | 1.4337% | 1,471 |
| Return on Equity (ROE) | 7.1862% | 2,873 |
| Retained earnings to average equity (ytd only) | -4.2429% | 4,455 |
| Net charge-offs to loans | -0.0351% | 4,525 |
| Credit loss provision to net charge-offs | -2,094.2408% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0135% | 4,112 |
| Assets per employee ($millions) | 5.6850% | 1,942 |
| Cash dividends to net income (ytd only)* | 159.0417% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,044 |
| Loan loss allowance to noncurrent loans | 322.5341% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,190 |
| Noncurrent loans to loans | 0.4098% | 3,026 |
| Net loans and leases to total assets | 66.8338% | 2,717 |
| Net loans and leases to deposits | 79.9514% | 2,683 |
| Net loans and leases to core deposits | 81.6308% | 3,046 |
| Total domestic deposits to total assets | 83.5931% | 2,922 |
| Equity capital to assets | 14.1456% | 1,016 |
| Core capital (leverage) ratio | 11.1129% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9918% | 1,906 |
| Memoranda: | ||
| Average total assets | $6,469,484,000 | 193 |
| Average earning assets | $5,785,084,000 | 194 |
| Average equity | $936,349,500 | 172 |
| Average total loans | $4,347,194,000 | 203 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,156 |
| Cost of funding earning assets | 0.2116% | 4,937 |
| Net interest margin | 4.5513% | 648 |
| Noninterest income to average assets | 0.8339% | 1,348 |
| Noninterest expense to average assets | 2.8805% | 2,347 |
| Loan and lease loss provision to assets | -0.0264% | 4,971 |
| Net operating income to assets | 1.4788% | 1,105 |
| Return on assets (ROA) | 1.4812% | 1,158 |
| Pretax return on assets | 2.0422% | 544 |
| Return on Equity (ROE) | 10.2850% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.7480% | 1,505 |
| Net charge-offs to loans | 0.0067% | 3,435 |
| Credit loss provision to net charge-offs | -612.3188% | 4,452 |
| Earnings coverage of net charge-offs (x) | 467.6993% | 201 |
| Efficiency ratio | 57.0432% | 4,087 |
| Assets per employee ($millions) | 5.5531% | 2,019 |
| Cash dividends to net income (ytd only)* | 34.3902% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 4,556 |
| Loan loss allowance to noncurrent loans | 181.5573% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,236 |
| Noncurrent loans to loans | 0.3910% | 3,032 |
| Net loans and leases to total assets | 66.1886% | 2,926 |
| Net loans and leases to deposits | 79.7099% | 2,811 |
| Net loans and leases to core deposits | 81.5981% | 3,166 |
| Total domestic deposits to total assets | 83.0369% | 3,181 |
| Equity capital to assets | 14.8011% | 845 |
| Core capital (leverage) ratio | 11.4747% | 2,128 |
| Tier 1 risk-based capital ratio | 14.3120% | 3,111 |
| Total risk-based capital ratio | 14.9801% | 3,301 |
| Memoranda: | ||
| Average total assets | $6,413,356,800 | 185 |
| Average earning assets | $5,720,132,400 | 191 |
| Average equity | $923,625,600 | 170 |
| Average total loans | $4,135,517,400 | 200 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,170 |
| Cost of funding earning assets | 0.2140% | 5,010 |
| Net interest margin | 4.5688% | 660 |
| Noninterest income to average assets | 0.8185% | 1,364 |
| Noninterest expense to average assets | 2.8733% | 2,334 |
| Loan and lease loss provision to assets | -0.0290% | 5,095 |
| Net operating income to assets | 1.4856% | 1,227 |
| Return on assets (ROA) | 1.4890% | 1,274 |
| Pretax return on assets | 2.0491% | 618 |
| Return on Equity (ROE) | 10.4122% | 2,248 |
| Retained earnings to average equity (ytd only) | 6.7173% | 2,002 |
| Net charge-offs to loans | -0.0113% | 4,411 |
| Credit loss provision to net charge-offs | 401.1527% | 750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9399% | 4,071 |
| Assets per employee ($millions) | 5.5075% | 2,026 |
| Cash dividends to net income (ytd only)* | 35.4863% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 4,538 |
| Loan loss allowance to noncurrent loans | 169.8734% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,284 |
| Noncurrent loans to loans | 0.4431% | 2,983 |
| Net loans and leases to total assets | 65.1469% | 3,165 |
| Net loans and leases to deposits | 78.4532% | 3,053 |
| Net loans and leases to core deposits | 80.5768% | 3,347 |
| Total domestic deposits to total assets | 83.0392% | 3,157 |
| Equity capital to assets | 14.8454% | 889 |
| Core capital (leverage) ratio | 11.2417% | 2,431 |
| Tier 1 risk-based capital ratio | 14.4343% | 3,115 |
| Total risk-based capital ratio | 15.1420% | 3,291 |
| Memoranda: | ||
| Average total assets | $6,399,342,000 | 189 |
| Average earning assets | $5,701,563,250 | 190 |
| Average equity | $915,146,250 | 172 |
| Average total loans | $4,091,239,000 | 203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,219 |
| Cost of funding earning assets | 0.2021% | 5,070 |
| Net interest margin | 4.5496% | 685 |
| Noninterest income to average assets | 0.7920% | 1,375 |
| Noninterest expense to average assets | 2.8668% | 2,365 |
| Loan and lease loss provision to assets | -0.0332% | 5,156 |
| Net operating income to assets | 1.4772% | 1,208 |
| Return on assets (ROA) | 1.4791% | 1,255 |
| Pretax return on assets | 2.0162% | 658 |
| Return on Equity (ROE) | 10.4754% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.4171% | 2,095 |
| Net charge-offs to loans | -0.0665% | 4,905 |
| Credit loss provision to net charge-offs | 78.7991% | 2,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2977% | 4,094 |
| Assets per employee ($millions) | 5.5547% | 1,916 |
| Cash dividends to net income (ytd only)* | 38.7409% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,441 |
| Loan loss allowance to noncurrent loans | 151.5283% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 3,081 |
| Noncurrent loans to loans | 0.5278% | 2,697 |
| Net loans and leases to total assets | 63.7639% | 3,366 |
| Net loans and leases to deposits | 76.2331% | 3,309 |
| Net loans and leases to core deposits | 78.1334% | 3,568 |
| Total domestic deposits to total assets | 83.6433% | 2,993 |
| Equity capital to assets | 14.4902% | 951 |
| Core capital (leverage) ratio | 11.0004% | 2,600 |
| Tier 1 risk-based capital ratio | 14.0896% | 3,271 |
| Total risk-based capital ratio | 14.8346% | 3,432 |
| Memoranda: | ||
| Average total assets | $6,404,744,330 | 188 |
| Average earning assets | $5,709,082,670 | 190 |
| Average equity | $904,327,330 | 173 |
| Average total loans | $4,058,334,670 | 204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 2,161 |
| Cost of funding earning assets | 0.1912% | 5,135 |
| Net interest margin | 4.5292% | 697 |
| Noninterest income to average assets | 0.7380% | 1,473 |
| Noninterest expense to average assets | 2.8234% | 2,486 |
| Loan and lease loss provision to assets | -0.0998% | 5,291 |
| Net operating income to assets | 1.4655% | 1,194 |
| Return on assets (ROA) | 1.4672% | 1,216 |
| Pretax return on assets | 2.0554% | 578 |
| Return on Equity (ROE) | 10.5293% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.8959% | 2,082 |
| Net charge-offs to loans | -0.1073% | 5,044 |
| Credit loss provision to net charge-offs | 147.8743% | 1,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2382% | 4,180 |
| Assets per employee ($millions) | 5.6855% | 1,809 |
| Cash dividends to net income (ytd only)* | 34.5071% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 4,543 |
| Loan loss allowance to noncurrent loans | 163.8845% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,248 |
| Noncurrent loans to loans | 0.4843% | 2,859 |
| Net loans and leases to total assets | 61.9416% | 3,509 |
| Net loans and leases to deposits | 73.7533% | 3,472 |
| Net loans and leases to core deposits | 75.5072% | 3,690 |
| Total domestic deposits to total assets | 83.9848% | 3,051 |
| Equity capital to assets | 13.9976% | 1,039 |
| Core capital (leverage) ratio | 10.7912% | 2,772 |
| Tier 1 risk-based capital ratio | 13.9390% | 3,369 |
| Total risk-based capital ratio | 14.6721% | 3,550 |
| Memoranda: | ||
| Average total assets | $6,410,405,000 | 188 |
| Average earning assets | $5,716,220,500 | 190 |
| Average equity | $893,281,500 | 175 |
| Average total loans | $4,032,721,000 | 206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 1,934 |
| Cost of funding earning assets | 0.1992% | 5,002 |
| Net interest margin | 4.4676% | 810 |
| Noninterest income to average assets | 0.9078% | 1,161 |
| Noninterest expense to average assets | 3.0887% | 1,830 |
| Loan and lease loss provision to assets | 0.0477% | 3,229 |
| Net operating income to assets | 1.3233% | 1,705 |
| Return on assets (ROA) | 1.3254% | 1,690 |
| Pretax return on assets | 1.8098% | 892 |
| Return on Equity (ROE) | 10.5135% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.6404% | 1,846 |
| Net charge-offs to loans | 0.0094% | 3,357 |
| Credit loss provision to net charge-offs | 797.2222% | 449 |
| Earnings coverage of net charge-offs (x) | 309.9136% | 322 |
| Efficiency ratio | 61.1719% | 3,665 |
| Assets per employee ($millions) | 5.5659% | 1,898 |
| Cash dividends to net income (ytd only)* | 36.8392% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,503 |
| Loan loss allowance to noncurrent loans | 118.5102% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 2,688 |
| Noncurrent loans to loans | 0.6829% | 2,283 |
| Net loans and leases to total assets | 62.8766% | 3,476 |
| Net loans and leases to deposits | 74.3758% | 3,470 |
| Net loans and leases to core deposits | 76.2568% | 3,697 |
| Total domestic deposits to total assets | 84.5391% | 2,819 |
| Equity capital to assets | 13.8710% | 1,013 |
| Core capital (leverage) ratio | 10.6492% | 2,891 |
| Tier 1 risk-based capital ratio | 13.6282% | 3,474 |
| Total risk-based capital ratio | 14.3705% | 3,664 |
| Memoranda: | ||
| Average total assets | $5,413,409,600 | 211 |
| Average earning assets | $4,890,217,000 | 210 |
| Average equity | $682,429,800 | 196 |
| Average total loans | $3,459,707,800 | 228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 2,138 |
| Cost of funding earning assets | 0.1847% | 5,076 |
| Net interest margin | 4.3615% | 988 |
| Noninterest income to average assets | 0.9406% | 1,081 |
| Noninterest expense to average assets | 3.1449% | 1,658 |
| Loan and lease loss provision to assets | 0.0457% | 3,075 |
| Net operating income to assets | 1.2278% | 2,131 |
| Return on assets (ROA) | 1.2301% | 2,124 |
| Pretax return on assets | 1.7083% | 1,263 |
| Return on Equity (ROE) | 10.0678% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.2958% | 3,061 |
| Net charge-offs to loans | 0.0200% | 2,741 |
| Credit loss provision to net charge-offs | 357.5453% | 879 |
| Earnings coverage of net charge-offs (x) | 136.8632% | 591 |
| Efficiency ratio | 63.1460% | 3,310 |
| Assets per employee ($millions) | 5.5904% | 1,835 |
| Cash dividends to net income (ytd only)* | 47.3987% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,681 |
| Loan loss allowance to noncurrent loans | 116.4100% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 2,856 |
| Noncurrent loans to loans | 0.6734% | 2,393 |
| Net loans and leases to total assets | 63.3145% | 3,506 |
| Net loans and leases to deposits | 78.4278% | 3,196 |
| Net loans and leases to core deposits | 80.6547% | 3,443 |
| Total domestic deposits to total assets | 80.7296% | 3,944 |
| Equity capital to assets | 13.4757% | 1,144 |
| Core capital (leverage) ratio | 10.5570% | 3,023 |
| Tier 1 risk-based capital ratio | 13.0647% | 3,868 |
| Total risk-based capital ratio | 13.7743% | 4,081 |
| Memoranda: | ||
| Average total assets | $5,179,082,250 | 217 |
| Average earning assets | $4,696,842,000 | 217 |
| Average equity | $632,810,500 | 205 |
| Average total loans | $3,318,209,500 | 230 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 2,537 |
| Cost of funding earning assets | 0.1486% | 5,251 |
| Net interest margin | 4.2127% | 1,256 |
| Noninterest income to average assets | 1.0223% | 919 |
| Noninterest expense to average assets | 3.1291% | 1,718 |
| Loan and lease loss provision to assets | -0.0364% | 5,356 |
| Net operating income to assets | 1.2854% | 1,837 |
| Return on assets (ROA) | 1.2831% | 1,852 |
| Pretax return on assets | 1.7744% | 1,024 |
| Return on Equity (ROE) | 10.9974% | 2,118 |
| Retained earnings to average equity (ytd only) | 7.7327% | 1,738 |
| Net charge-offs to loans | -0.0048% | 4,093 |
| Credit loss provision to net charge-offs | 1,179.7297% | 357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9635% | 3,321 |
| Assets per employee ($millions) | 4.8228% | 2,656 |
| Cash dividends to net income (ytd only)* | 29.6863% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,173 |
| Loan loss allowance to noncurrent loans | 116.1448% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 2,581 |
| Noncurrent loans to loans | 0.8070% | 2,113 |
| Net loans and leases to total assets | 64.1869% | 3,378 |
| Net loans and leases to deposits | 76.4747% | 3,289 |
| Net loans and leases to core deposits | 79.1128% | 3,490 |
| Total domestic deposits to total assets | 83.9322% | 3,095 |
| Equity capital to assets | 11.6231% | 2,110 |
| Core capital (leverage) ratio | 10.8621% | 2,646 |
| Tier 1 risk-based capital ratio | 13.0123% | 3,887 |
| Total risk-based capital ratio | 13.8524% | 4,024 |
| Memoranda: | ||
| Average total assets | $4,799,735,000 | 224 |
| Average earning assets | $4,383,942,670 | 224 |
| Average equity | $559,988,330 | 222 |
| Average total loans | $3,080,526,000 | 248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,420 |
| Cost of funding earning assets | 0.1321% | 5,349 |
| Net interest margin | 4.1973% | 1,182 |
| Noninterest income to average assets | 1.0348% | 846 |
| Noninterest expense to average assets | 3.1652% | 1,652 |
| Loan and lease loss provision to assets | -0.0198% | 5,425 |
| Net operating income to assets | 1.2419% | 1,840 |
| Return on assets (ROA) | 1.2388% | 1,862 |
| Pretax return on assets | 1.7172% | 1,072 |
| Return on Equity (ROE) | 10.5974% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.4603% | 2,073 |
| Net charge-offs to loans | 0.0150% | 2,221 |
| Credit loss provision to net charge-offs | -207.0175% | 3,819 |
| Earnings coverage of net charge-offs (x) | 177.9298% | 368 |
| Efficiency ratio | 64.7570% | 3,362 |
| Assets per employee ($millions) | 4.7403% | 2,804 |
| Cash dividends to net income (ytd only)* | 29.6025% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,087 |
| Loan loss allowance to noncurrent loans | 122.9359% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 2,714 |
| Noncurrent loans to loans | 0.7937% | 2,223 |
| Net loans and leases to total assets | 63.6623% | 3,351 |
| Net loans and leases to deposits | 74.4122% | 3,372 |
| Net loans and leases to core deposits | 76.7878% | 3,598 |
| Total domestic deposits to total assets | 85.5536% | 2,730 |
| Equity capital to assets | 11.6651% | 2,018 |
| Core capital (leverage) ratio | 10.7770% | 2,650 |
| Tier 1 risk-based capital ratio | 12.9616% | 3,965 |
| Total risk-based capital ratio | 13.8335% | 4,096 |
| Memoranda: | ||
| Average total assets | $4,768,897,000 | 223 |
| Average earning assets | $4,353,608,500 | 227 |
| Average equity | $557,459,000 | 225 |
| Average total loans | $3,045,832,000 | 248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 2,205 |
| Cost of funding earning assets | 0.1021% | 5,489 |
| Net interest margin | 4.2397% | 1,104 |
| Noninterest income to average assets | 1.0677% | 893 |
| Noninterest expense to average assets | 3.1797% | 1,652 |
| Loan and lease loss provision to assets | 0.0019% | 4,203 |
| Net operating income to assets | 0.9136% | 2,640 |
| Return on assets (ROA) | 0.9270% | 2,590 |
| Pretax return on assets | 1.7620% | 874 |
| Return on Equity (ROE) | 7.7808% | 2,897 |
| Retained earnings to average equity (ytd only) | 4.2670% | 2,599 |
| Net charge-offs to loans | 0.0793% | 2,313 |
| Credit loss provision to net charge-offs | 3.9224% | 3,695 |
| Earnings coverage of net charge-offs (x) | 35.2975% | 1,365 |
| Efficiency ratio | 63.9791% | 3,611 |
| Assets per employee ($millions) | 4.8174% | 2,714 |
| Cash dividends to net income (ytd only)* | 45.1602% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,913 |
| Loan loss allowance to noncurrent loans | 124.3103% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 2,614 |
| Noncurrent loans to loans | 0.8078% | 2,195 |
| Net loans and leases to total assets | 62.8091% | 3,511 |
| Net loans and leases to deposits | 74.4933% | 3,476 |
| Net loans and leases to core deposits | 76.9297% | 3,672 |
| Total domestic deposits to total assets | 84.3151% | 3,091 |
| Equity capital to assets | 11.7140% | 2,023 |
| Core capital (leverage) ratio | 10.7287% | 2,614 |
| Tier 1 risk-based capital ratio | 13.0924% | 3,853 |
| Total risk-based capital ratio | 13.9836% | 3,971 |
| Memoranda: | ||
| Average total assets | $4,594,996,200 | 218 |
| Average earning assets | $4,178,076,200 | 219 |
| Average equity | $547,436,400 | 216 |
| Average total loans | $2,861,603,200 | 249 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,174 |
| Cost of funding earning assets | 0.0986% | 5,560 |
| Net interest margin | 4.2323% | 1,076 |
| Noninterest income to average assets | 1.0711% | 889 |
| Noninterest expense to average assets | 3.1727% | 1,630 |
| Loan and lease loss provision to assets | -0.0465% | 5,518 |
| Net operating income to assets | 1.1235% | 1,976 |
| Return on assets (ROA) | 1.1415% | 1,961 |
| Pretax return on assets | 1.8197% | 842 |
| Return on Equity (ROE) | 9.5397% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.0177% | 2,223 |
| Net charge-offs to loans | 0.1024% | 1,763 |
| Credit loss provision to net charge-offs | -73.2472% | 4,485 |
| Earnings coverage of net charge-offs (x) | 27.4913% | 1,632 |
| Efficiency ratio | 63.8903% | 3,568 |
| Assets per employee ($millions) | 4.6734% | 2,869 |
| Cash dividends to net income (ytd only)* | 36.9191% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,186 |
| Loan loss allowance to noncurrent loans | 130.9420% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,913 |
| Noncurrent loans to loans | 0.7482% | 2,491 |
| Net loans and leases to total assets | 62.4228% | 3,607 |
| Net loans and leases to deposits | 73.9200% | 3,581 |
| Net loans and leases to core deposits | 76.4156% | 3,770 |
| Total domestic deposits to total assets | 84.4465% | 2,940 |
| Equity capital to assets | 12.0091% | 1,962 |
| Core capital (leverage) ratio | 10.9156% | 2,535 |
| Tier 1 risk-based capital ratio | 13.4782% | 3,719 |
| Total risk-based capital ratio | 14.3494% | 3,852 |
| Memoranda: | ||
| Average total assets | $4,553,846,750 | 222 |
| Average earning assets | $4,138,934,000 | 221 |
| Average equity | $544,911,000 | 217 |
| Average total loans | $2,822,058,750 | 251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,098 |
| Cost of funding earning assets | 0.0916% | 5,626 |
| Net interest margin | 4.2149% | 1,048 |
| Noninterest income to average assets | 1.0890% | 843 |
| Noninterest expense to average assets | 3.1569% | 1,685 |
| Loan and lease loss provision to assets | -0.1041% | 5,649 |
| Net operating income to assets | 1.1766% | 1,679 |
| Return on assets (ROA) | 1.1766% | 1,715 |
| Pretax return on assets | 1.8699% | 713 |
| Return on Equity (ROE) | 9.8449% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.4355% | 1,884 |
| Net charge-offs to loans | 0.1441% | 1,290 |
| Credit loss provision to net charge-offs | -117.2397% | 4,379 |
| Earnings coverage of net charge-offs (x) | 19.8849% | 1,816 |
| Efficiency ratio | 63.4903% | 3,762 |
| Assets per employee ($millions) | 4.5137% | 3,082 |
| Cash dividends to net income (ytd only)* | 34.6307% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 4,179 |
| Loan loss allowance to noncurrent loans | 159.1709% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 3,235 |
| Noncurrent loans to loans | 0.6250% | 2,859 |
| Net loans and leases to total assets | 61.9889% | 3,633 |
| Net loans and leases to deposits | 72.1600% | 3,719 |
| Net loans and leases to core deposits | 74.6382% | 3,890 |
| Total domestic deposits to total assets | 85.9047% | 2,412 |
| Equity capital to assets | 12.2057% | 1,785 |
| Core capital (leverage) ratio | 10.9353% | 2,473 |
| Tier 1 risk-based capital ratio | 13.6989% | 3,586 |
| Total risk-based capital ratio | 14.5706% | 3,705 |
| Memoranda: | ||
| Average total assets | $4,520,227,330 | 225 |
| Average earning assets | $4,111,371,670 | 226 |
| Average equity | $540,219,330 | 220 |
| Average total loans | $2,784,629,670 | 253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 2,103 |
| Cost of funding earning assets | 0.0875% | 5,696 |
| Net interest margin | 4.1602% | 1,067 |
| Noninterest income to average assets | 1.0354% | 940 |
| Noninterest expense to average assets | 3.1552% | 1,730 |
| Loan and lease loss provision to assets | -0.1377% | 5,769 |
| Net operating income to assets | 1.1073% | 1,838 |
| Return on assets (ROA) | 1.1073% | 1,879 |
| Pretax return on assets | 1.7858% | 826 |
| Return on Equity (ROE) | 9.3649% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.3406% | 2,168 |
| Net charge-offs to loans | -0.0103% | 4,441 |
| Credit loss provision to net charge-offs | 2,192.9577% | 155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0274% | 3,661 |
| Assets per employee ($millions) | 4.4158% | 3,302 |
| Cash dividends to net income (ytd only)* | 32.2947% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,564 |
| Loan loss allowance to noncurrent loans | 157.7349% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 3,178 |
| Noncurrent loans to loans | 0.7119% | 2,716 |
| Net loans and leases to total assets | 60.3451% | 3,747 |
| Net loans and leases to deposits | 70.0037% | 3,794 |
| Net loans and leases to core deposits | 72.4604% | 3,950 |
| Total domestic deposits to total assets | 86.2028% | 2,578 |
| Equity capital to assets | 11.9144% | 1,902 |
| Core capital (leverage) ratio | 10.7154% | 2,677 |
| Tier 1 risk-based capital ratio | 13.8042% | 3,602 |
| Total risk-based capital ratio | 14.7882% | 3,662 |
| Memoranda: | ||
| Average total assets | $4,521,236,500 | 225 |
| Average earning assets | $4,094,808,500 | 226 |
| Average equity | $534,590,000 | 221 |
| Average total loans | $2,762,479,500 | 256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 1,973 |
| Cost of funding earning assets | 0.0875% | 5,751 |
| Net interest margin | 4.2658% | 989 |
| Noninterest income to average assets | 1.0153% | 1,099 |
| Noninterest expense to average assets | 3.3100% | 1,552 |
| Loan and lease loss provision to assets | -0.1360% | 5,730 |
| Net operating income to assets | 1.0600% | 2,091 |
| Return on assets (ROA) | 1.0600% | 2,197 |
| Pretax return on assets | 1.7197% | 954 |
| Return on Equity (ROE) | 8.9071% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.6986% | 1,885 |
| Net charge-offs to loans | -0.0932% | 5,571 |
| Credit loss provision to net charge-offs | 242.4858% | 1,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9968% | 3,440 |
| Assets per employee ($millions) | 4.4583% | 3,177 |
| Cash dividends to net income (ytd only)* | 36.0217% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,266 |
| Loan loss allowance to noncurrent loans | 161.4815% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 3,140 |
| Noncurrent loans to loans | 0.7286% | 2,709 |
| Net loans and leases to total assets | 60.4502% | 3,800 |
| Net loans and leases to deposits | 70.0317% | 3,898 |
| Net loans and leases to core deposits | 72.4578% | 4,056 |
| Total domestic deposits to total assets | 86.3184% | 2,449 |
| Equity capital to assets | 11.7333% | 1,983 |
| Core capital (leverage) ratio | 10.5240% | 2,856 |
| Tier 1 risk-based capital ratio | 13.5046% | 3,768 |
| Total risk-based capital ratio | 14.5302% | 3,820 |
| Memoranda: | ||
| Average total assets | $4,388,938,200 | 220 |
| Average earning assets | $3,990,248,600 | 216 |
| Average equity | $522,303,200 | 211 |
| Average total loans | $2,641,545,000 | 251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,026 |
| Cost of funding earning assets | 0.0881% | 5,817 |
| Net interest margin | 4.2543% | 1,017 |
| Noninterest income to average assets | 0.9823% | 1,184 |
| Noninterest expense to average assets | 3.3319% | 1,489 |
| Loan and lease loss provision to assets | -0.1388% | 5,830 |
| Net operating income to assets | 1.0266% | 2,312 |
| Return on assets (ROA) | 1.0266% | 2,437 |
| Pretax return on assets | 1.6594% | 1,224 |
| Return on Equity (ROE) | 8.5957% | 2,712 |
| Retained earnings to average equity (ytd only) | 5.6662% | 2,380 |
| Net charge-offs to loans | -0.1026% | 5,577 |
| Credit loss provision to net charge-offs | 225.7214% | 1,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0233% | 3,219 |
| Assets per employee ($millions) | 4.3650% | 3,307 |
| Cash dividends to net income (ytd only)* | 34.0805% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 3,060 |
| Loan loss allowance to noncurrent loans | 156.9146% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,193 |
| Noncurrent loans to loans | 0.7845% | 2,715 |
| Net loans and leases to total assets | 60.1629% | 3,854 |
| Net loans and leases to deposits | 69.9837% | 3,987 |
| Net loans and leases to core deposits | 72.3328% | 4,134 |
| Total domestic deposits to total assets | 85.9671% | 2,375 |
| Equity capital to assets | 11.9675% | 2,146 |
| Core capital (leverage) ratio | 10.5095% | 2,990 |
| Tier 1 risk-based capital ratio | 13.5180% | 3,851 |
| Total risk-based capital ratio | 14.5986% | 3,866 |
| Memoranda: | ||
| Average total assets | $4,357,108,500 | 221 |
| Average earning assets | $3,963,742,750 | 218 |
| Average equity | $520,402,250 | 212 |
| Average total loans | $2,611,283,500 | 252 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 1,992 |
| Cost of funding earning assets | 0.0886% | 5,893 |
| Net interest margin | 4.2586% | 998 |
| Noninterest income to average assets | 0.9736% | 1,190 |
| Noninterest expense to average assets | 3.3153% | 1,562 |
| Loan and lease loss provision to assets | -0.0261% | 5,797 |
| Net operating income to assets | 0.9688% | 2,531 |
| Return on assets (ROA) | 0.9688% | 2,673 |
| Pretax return on assets | 1.5558% | 1,500 |
| Return on Equity (ROE) | 8.1173% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.2717% | 2,569 |
| Net charge-offs to loans | -0.0048% | 4,514 |
| Credit loss provision to net charge-offs | 909.6774% | 404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7984% | 3,383 |
| Assets per employee ($millions) | 4.3120% | 3,348 |
| Cash dividends to net income (ytd only)* | 35.0564% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,588 |
| Loan loss allowance to noncurrent loans | 174.3543% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 3,353 |
| Noncurrent loans to loans | 0.7666% | 2,827 |
| Net loans and leases to total assets | 60.2428% | 3,854 |
| Net loans and leases to deposits | 70.0086% | 3,981 |
| Net loans and leases to core deposits | 72.4113% | 4,134 |
| Total domestic deposits to total assets | 86.0506% | 2,400 |
| Equity capital to assets | 12.1040% | 2,053 |
| Core capital (leverage) ratio | 10.3468% | 3,138 |
| Tier 1 risk-based capital ratio | 13.5142% | 3,893 |
| Total risk-based capital ratio | 14.6772% | 3,857 |
| Memoranda: | ||
| Average total assets | $4,321,009,670 | 224 |
| Average earning assets | $3,928,205,330 | 219 |
| Average equity | $515,736,670 | 214 |
| Average total loans | $2,575,043,670 | 255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 1,892 |
| Cost of funding earning assets | 0.0875% | 5,962 |
| Net interest margin | 4.2839% | 952 |
| Noninterest income to average assets | 0.9094% | 1,289 |
| Noninterest expense to average assets | 3.1213% | 2,043 |
| Loan and lease loss provision to assets | 0.0194% | 3,435 |
| Net operating income to assets | 1.0283% | 2,166 |
| Return on assets (ROA) | 1.0283% | 2,285 |
| Pretax return on assets | 1.6642% | 1,143 |
| Return on Equity (ROE) | 8.6773% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.7927% | 2,476 |
| Net charge-offs to loans | -0.0265% | 5,005 |
| Credit loss provision to net charge-offs | -124.4048% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3822% | 4,059 |
| Assets per employee ($millions) | 4.5763% | 2,941 |
| Cash dividends to net income (ytd only)* | 33.2430% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,283 |
| Loan loss allowance to noncurrent loans | 150.8061% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,105 |
| Noncurrent loans to loans | 0.9485% | 2,479 |
| Net loans and leases to total assets | 57.0738% | 4,138 |
| Net loans and leases to deposits | 66.1980% | 4,235 |
| Net loans and leases to core deposits | 68.3826% | 4,363 |
| Total domestic deposits to total assets | 86.2169% | 2,582 |
| Equity capital to assets | 11.7439% | 2,206 |
| Core capital (leverage) ratio | 10.6270% | 2,821 |
| Tier 1 risk-based capital ratio | 13.8374% | 3,788 |
| Total risk-based capital ratio | 15.0609% | 3,745 |
| Memoranda: | ||
| Average total assets | $4,306,131,000 | 223 |
| Average earning assets | $3,915,766,500 | 222 |
| Average equity | $510,297,000 | 215 |
| Average total loans | $2,534,298,500 | 256 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 1,661 |
| Cost of funding earning assets | 0.0954% | 5,980 |
| Net interest margin | 4.3842% | 822 |
| Noninterest income to average assets | 1.1371% | 913 |
| Noninterest expense to average assets | 3.2605% | 1,812 |
| Loan and lease loss provision to assets | -0.0554% | 5,762 |
| Net operating income to assets | 1.1393% | 1,777 |
| Return on assets (ROA) | 1.1393% | 1,839 |
| Pretax return on assets | 1.8933% | 664 |
| Return on Equity (ROE) | 9.3356% | 2,305 |
| Retained earnings to average equity (ytd only) | 6.6020% | 1,491 |
| Net charge-offs to loans | -0.0681% | 5,655 |
| Credit loss provision to net charge-offs | 135.0856% | 1,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3822% | 4,384 |
| Assets per employee ($millions) | 4.3811% | 3,249 |
| Cash dividends to net income (ytd only)* | 29.2814% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,312 |
| Loan loss allowance to noncurrent loans | 96.7206% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 2,175 |
| Noncurrent loans to loans | 1.4746% | 1,579 |
| Net loans and leases to total assets | 58.9901% | 3,972 |
| Net loans and leases to deposits | 68.4897% | 4,083 |
| Net loans and leases to core deposits | 70.7865% | 4,235 |
| Total domestic deposits to total assets | 86.1300% | 2,579 |
| Equity capital to assets | 11.9615% | 1,985 |
| Core capital (leverage) ratio | 10.7633% | 2,646 |
| Tier 1 risk-based capital ratio | 13.8365% | 3,810 |
| Total risk-based capital ratio | 15.0611% | 3,747 |
| Memoranda: | ||
| Average total assets | $3,987,932,400 | 226 |
| Average earning assets | $3,603,298,800 | 224 |
| Average equity | $486,686,000 | 215 |
| Average total loans | $2,402,064,000 | 249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,688 |
| Cost of funding earning assets | 0.0975% | 6,069 |
| Net interest margin | 4.3731% | 837 |
| Noninterest income to average assets | 1.1501% | 903 |
| Noninterest expense to average assets | 3.2411% | 1,848 |
| Loan and lease loss provision to assets | -0.0442% | 5,902 |
| Net operating income to assets | 1.1401% | 1,867 |
| Return on assets (ROA) | 1.1401% | 1,932 |
| Pretax return on assets | 1.8996% | 721 |
| Return on Equity (ROE) | 9.2929% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.8131% | 1,781 |
| Net charge-offs to loans | -0.0694% | 5,658 |
| Credit loss provision to net charge-offs | 105.4251% | 2,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0165% | 4,402 |
| Assets per employee ($millions) | 4.3505% | 3,245 |
| Cash dividends to net income (ytd only)* | 26.6841% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,258 |
| Loan loss allowance to noncurrent loans | 93.3702% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 2,143 |
| Noncurrent loans to loans | 1.5804% | 1,577 |
| Net loans and leases to total assets | 60.6535% | 3,782 |
| Net loans and leases to deposits | 70.4674% | 3,924 |
| Net loans and leases to core deposits | 72.9741% | 4,104 |
| Total domestic deposits to total assets | 86.0732% | 2,486 |
| Equity capital to assets | 12.3470% | 1,837 |
| Core capital (leverage) ratio | 10.9608% | 2,530 |
| Tier 1 risk-based capital ratio | 13.8722% | 3,919 |
| Total risk-based capital ratio | 15.1241% | 3,863 |
| Memoranda: | ||
| Average total assets | $3,930,163,500 | 232 |
| Average earning assets | $3,546,781,000 | 232 |
| Average equity | $482,193,500 | 218 |
| Average total loans | $2,371,377,500 | 256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,803 |
| Cost of funding earning assets | 0.0999% | 6,136 |
| Net interest margin | 4.3163% | 890 |
| Noninterest income to average assets | 1.1414% | 920 |
| Noninterest expense to average assets | 3.2973% | 1,715 |
| Loan and lease loss provision to assets | -0.0224% | 5,979 |
| Net operating income to assets | 1.0516% | 2,136 |
| Return on assets (ROA) | 1.0516% | 2,245 |
| Pretax return on assets | 1.7553% | 966 |
| Return on Equity (ROE) | 8.5897% | 2,751 |
| Retained earnings to average equity (ytd only) | 6.1967% | 2,117 |
| Net charge-offs to loans | 0.0594% | 2,538 |
| Credit loss provision to net charge-offs | -62.8242% | 4,838 |
| Earnings coverage of net charge-offs (x) | 48.6960% | 976 |
| Efficiency ratio | 64.9598% | 4,200 |
| Assets per employee ($millions) | 4.1186% | 3,643 |
| Cash dividends to net income (ytd only)* | 27.8588% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 2,387 |
| Loan loss allowance to noncurrent loans | 88.2272% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 2,167 |
| Noncurrent loans to loans | 1.6755% | 1,555 |
| Net loans and leases to total assets | 60.7112% | 3,724 |
| Net loans and leases to deposits | 70.6595% | 3,858 |
| Net loans and leases to core deposits | 72.1954% | 4,110 |
| Total domestic deposits to total assets | 85.9208% | 2,728 |
| Equity capital to assets | 12.4302% | 1,692 |
| Core capital (leverage) ratio | 10.8638% | 2,554 |
| Tier 1 risk-based capital ratio | 13.8439% | 4,013 |
| Total risk-based capital ratio | 15.0940% | 3,943 |
| Memoranda: | ||
| Average total assets | $3,900,257,330 | 234 |
| Average earning assets | $3,514,013,670 | 234 |
| Average equity | $477,479,330 | 222 |
| Average total loans | $2,336,930,670 | 260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,140 |
| Cost of funding earning assets | 0.1023% | 6,196 |
| Net interest margin | 4.1840% | 1,101 |
| Noninterest income to average assets | 1.0429% | 1,025 |
| Noninterest expense to average assets | 3.2916% | 1,737 |
| Loan and lease loss provision to assets | 0.0202% | 3,453 |
| Net operating income to assets | 0.8917% | 2,779 |
| Return on assets (ROA) | 0.8917% | 2,908 |
| Pretax return on assets | 1.5039% | 1,555 |
| Return on Equity (ROE) | 7.3402% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.5524% | 2,749 |
| Net charge-offs to loans | 0.1261% | 1,500 |
| Credit loss provision to net charge-offs | 27.0977% | 2,298 |
| Earnings coverage of net charge-offs (x) | 20.4622% | 1,414 |
| Efficiency ratio | 67.7396% | 3,870 |
| Assets per employee ($millions) | 3.9899% | 3,982 |
| Cash dividends to net income (ytd only)* | 24.3566% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,237 |
| Loan loss allowance to noncurrent loans | 71.2451% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 1,823 |
| Noncurrent loans to loans | 2.1754% | 1,171 |
| Net loans and leases to total assets | 58.8128% | 3,831 |
| Net loans and leases to deposits | 68.3342% | 3,923 |
| Net loans and leases to core deposits | 70.0870% | 4,145 |
| Total domestic deposits to total assets | 86.0665% | 2,907 |
| Equity capital to assets | 12.2709% | 1,843 |
| Core capital (leverage) ratio | 10.6407% | 2,805 |
| Tier 1 risk-based capital ratio | 13.9365% | 4,065 |
| Total risk-based capital ratio | 15.1872% | 3,987 |
| Memoranda: | ||
| Average total assets | $3,904,338,000 | 232 |
| Average earning assets | $3,520,560,500 | 232 |
| Average equity | $474,320,500 | 220 |
| Average total loans | $2,306,199,000 | 260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 2,045 |
| Cost of funding earning assets | 0.1206% | 6,244 |
| Net interest margin | 4.3346% | 988 |
| Noninterest income to average assets | 1.1560% | 902 |
| Noninterest expense to average assets | 3.6060% | 1,296 |
| Loan and lease loss provision to assets | -0.1355% | 6,211 |
| Net operating income to assets | 0.9710% | 2,521 |
| Return on assets (ROA) | 0.9710% | 2,609 |
| Pretax return on assets | 1.6324% | 1,146 |
| Return on Equity (ROE) | 8.7380% | 2,711 |
| Retained earnings to average equity (ytd only) | 6.2453% | 1,783 |
| Net charge-offs to loans | -0.1302% | 6,177 |
| Credit loss provision to net charge-offs | 169.6017% | 1,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3721% | 3,473 |
| Assets per employee ($millions) | 3.9303% | 4,101 |
| Cash dividends to net income (ytd only)* | 28.5271% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,089 |
| Loan loss allowance to noncurrent loans | 73.4344% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 1,990 |
| Noncurrent loans to loans | 2.1793% | 1,228 |
| Net loans and leases to total assets | 57.4655% | 4,119 |
| Net loans and leases to deposits | 66.5016% | 4,269 |
| Net loans and leases to core deposits | 68.0392% | 4,498 |
| Total domestic deposits to total assets | 86.4122% | 2,613 |
| Equity capital to assets | 12.0268% | 2,004 |
| Core capital (leverage) ratio | 10.7124% | 2,704 |
| Tier 1 risk-based capital ratio | 14.2609% | 3,925 |
| Total risk-based capital ratio | 15.5126% | 3,853 |
| Memoranda: | ||
| Average total assets | $2,985,601,600 | 270 |
| Average earning assets | $2,718,512,800 | 267 |
| Average equity | $331,768,800 | 270 |
| Average total loans | $1,831,480,400 | 286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,918 |
| Cost of funding earning assets | 0.1231% | 6,321 |
| Net interest margin | 4.3650% | 933 |
| Noninterest income to average assets | 1.1990% | 836 |
| Noninterest expense to average assets | 3.5011% | 1,456 |
| Loan and lease loss provision to assets | -0.1271% | 6,320 |
| Net operating income to assets | 1.0759% | 2,131 |
| Return on assets (ROA) | 1.0759% | 2,200 |
| Pretax return on assets | 1.8144% | 867 |
| Return on Equity (ROE) | 9.9738% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.1030% | 1,767 |
| Net charge-offs to loans | -0.1784% | 6,288 |
| Credit loss provision to net charge-offs | 114.1366% | 1,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3321% | 3,983 |
| Assets per employee ($millions) | 3.8637% | 4,160 |
| Cash dividends to net income (ytd only)* | 28.7830% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,029 |
| Loan loss allowance to noncurrent loans | 89.6221% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 1,774 |
| Noncurrent loans to loans | 2.3924% | 1,241 |
| Net loans and leases to total assets | 61.9541% | 3,490 |
| Net loans and leases to deposits | 70.9474% | 3,805 |
| Net loans and leases to core deposits | 72.7862% | 4,077 |
| Total domestic deposits to total assets | 87.3241% | 2,141 |
| Equity capital to assets | 10.9377% | 3,018 |
| Core capital (leverage) ratio | 10.4188% | 3,138 |
| Tier 1 risk-based capital ratio | 13.4540% | 4,577 |
| Total risk-based capital ratio | 14.7118% | 4,508 |
| Memoranda: | ||
| Average total assets | $2,753,363,250 | 279 |
| Average earning assets | $2,516,459,500 | 275 |
| Average equity | $297,011,750 | 296 |
| Average total loans | $1,717,825,000 | 295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,041 |
| Cost of funding earning assets | 0.1240% | 6,394 |
| Net interest margin | 4.3154% | 992 |
| Noninterest income to average assets | 1.1804% | 841 |
| Noninterest expense to average assets | 3.4776% | 1,520 |
| Loan and lease loss provision to assets | 0.0258% | 3,760 |
| Net operating income to assets | 0.9620% | 2,496 |
| Return on assets (ROA) | 0.9620% | 2,587 |
| Pretax return on assets | 1.6205% | 1,202 |
| Return on Equity (ROE) | 8.9602% | 2,616 |
| Retained earnings to average equity (ytd only) | 6.1727% | 2,225 |
| Net charge-offs to loans | -0.1611% | 6,291 |
| Credit loss provision to net charge-offs | -25.7664% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7223% | 4,057 |
| Assets per employee ($millions) | 3.7407% | 4,369 |
| Cash dividends to net income (ytd only)* | 31.1101% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2967% | 904 |
| Loan loss allowance to noncurrent loans | 87.1104% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.8973% | 1,709 |
| Noncurrent loans to loans | 2.6365% | 1,153 |
| Net loans and leases to total assets | 62.4362% | 3,337 |
| Net loans and leases to deposits | 71.2130% | 3,678 |
| Net loans and leases to core deposits | 73.2064% | 3,932 |
| Total domestic deposits to total assets | 87.6752% | 2,102 |
| Equity capital to assets | 10.9763% | 2,900 |
| Core capital (leverage) ratio | 10.2902% | 3,226 |
| Tier 1 risk-based capital ratio | 13.2964% | 4,720 |
| Total risk-based capital ratio | 14.5556% | 4,649 |
| Memoranda: | ||
| Average total assets | $2,739,991,670 | 279 |
| Average earning assets | $2,503,829,670 | 274 |
| Average equity | $294,168,000 | 295 |
| Average total loans | $1,700,901,670 | 290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,443 |
| Cost of funding earning assets | 0.1246% | 6,473 |
| Net interest margin | 4.1959% | 1,235 |
| Noninterest income to average assets | 1.2071% | 759 |
| Noninterest expense to average assets | 3.3464% | 1,838 |
| Loan and lease loss provision to assets | -0.1972% | 6,564 |
| Net operating income to assets | 1.1249% | 1,719 |
| Return on assets (ROA) | 1.1249% | 1,782 |
| Pretax return on assets | 1.8967% | 652 |
| Return on Equity (ROE) | 10.5950% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.7849% | 1,690 |
| Net charge-offs to loans | -0.3407% | 6,505 |
| Credit loss provision to net charge-offs | 94.6229% | 1,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1696% | 4,503 |
| Assets per employee ($millions) | 3.7829% | 4,360 |
| Cash dividends to net income (ytd only)* | 26.5235% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 1,070 |
| Loan loss allowance to noncurrent loans | 71.4030% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 1,635 |
| Noncurrent loans to loans | 3.1792% | 967 |
| Net loans and leases to total assets | 59.9085% | 3,575 |
| Net loans and leases to deposits | 68.3591% | 3,824 |
| Net loans and leases to core deposits | 70.2231% | 4,065 |
| Total domestic deposits to total assets | 87.6380% | 2,433 |
| Equity capital to assets | 10.7064% | 3,034 |
| Core capital (leverage) ratio | 10.1521% | 3,348 |
| Tier 1 risk-based capital ratio | 13.4720% | 4,707 |
| Total risk-based capital ratio | 14.7310% | 4,641 |
| Memoranda: | ||
| Average total assets | $2,748,366,000 | 279 |
| Average earning assets | $2,514,452,500 | 274 |
| Average equity | $291,797,000 | 294 |
| Average total loans | $1,681,224,000 | 295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,432 |
| Cost of funding earning assets | 0.1437% | 6,564 |
| Net interest margin | 4.2966% | 1,113 |
| Noninterest income to average assets | 1.3972% | 721 |
| Noninterest expense to average assets | 3.5184% | 1,612 |
| Loan and lease loss provision to assets | -0.0271% | 6,320 |
| Net operating income to assets | 1.0858% | 1,978 |
| Return on assets (ROA) | 1.0858% | 2,054 |
| Pretax return on assets | 1.8177% | 728 |
| Return on Equity (ROE) | 10.2925% | 1,997 |
| Retained earnings to average equity (ytd only) | 7.3527% | 1,294 |
| Net charge-offs to loans | 0.2274% | 2,642 |
| Credit loss provision to net charge-offs | -19.3872% | 5,711 |
| Earnings coverage of net charge-offs (x) | 12.7977% | 2,095 |
| Efficiency ratio | 66.1233% | 4,537 |
| Assets per employee ($millions) | 3.7419% | 4,384 |
| Cash dividends to net income (ytd only)* | 28.5629% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2843% | 1,058 |
| Loan loss allowance to noncurrent loans | 69.6072% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.2315% | 1,592 |
| Noncurrent loans to loans | 3.2817% | 1,005 |
| Net loans and leases to total assets | 59.6485% | 3,778 |
| Net loans and leases to deposits | 67.8007% | 4,083 |
| Net loans and leases to core deposits | 69.8815% | 4,295 |
| Total domestic deposits to total assets | 87.9763% | 2,189 |
| Equity capital to assets | 10.5274% | 3,114 |
| Core capital (leverage) ratio | 10.0919% | 3,443 |
| Tier 1 risk-based capital ratio | 13.4129% | 4,711 |
| Total risk-based capital ratio | 14.6724% | 4,652 |
| Memoranda: | ||
| Average total assets | $2,635,914,600 | 284 |
| Average earning assets | $2,399,828,200 | 279 |
| Average equity | $278,075,200 | 297 |
| Average total loans | $1,622,073,400 | 294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,450 |
| Cost of funding earning assets | 0.1481% | 6,645 |
| Net interest margin | 4.2940% | 1,108 |
| Noninterest income to average assets | 1.5062% | 645 |
| Noninterest expense to average assets | 3.4829% | 1,645 |
| Loan and lease loss provision to assets | -0.0453% | 6,544 |
| Net operating income to assets | 1.1771% | 1,711 |
| Return on assets (ROA) | 1.1771% | 1,778 |
| Pretax return on assets | 1.9758% | 604 |
| Return on Equity (ROE) | 11.1517% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.2082% | 1,334 |
| Net charge-offs to loans | 0.2006% | 2,633 |
| Credit loss provision to net charge-offs | -36.6378% | 5,685 |
| Earnings coverage of net charge-offs (x) | 15.6047% | 1,852 |
| Efficiency ratio | 64.1900% | 4,771 |
| Assets per employee ($millions) | 3.5745% | 4,702 |
| Cash dividends to net income (ytd only)* | 26.3946% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,080 |
| Loan loss allowance to noncurrent loans | 62.7172% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.5416% | 1,504 |
| Noncurrent loans to loans | 3.7780% | 969 |
| Net loans and leases to total assets | 61.6130% | 3,437 |
| Net loans and leases to deposits | 70.6054% | 3,700 |
| Net loans and leases to core deposits | 72.9011% | 3,984 |
| Total domestic deposits to total assets | 87.2640% | 2,525 |
| Equity capital to assets | 10.7656% | 2,995 |
| Core capital (leverage) ratio | 10.2920% | 3,255 |
| Tier 1 risk-based capital ratio | 13.5187% | 4,743 |
| Total risk-based capital ratio | 14.7798% | 4,698 |
| Memoranda: | ||
| Average total assets | $2,609,196,750 | 287 |
| Average earning assets | $2,374,126,500 | 280 |
| Average equity | $275,407,750 | 296 |
| Average total loans | $1,609,022,500 | 296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,716 |
| Cost of funding earning assets | 0.1506% | 6,703 |
| Net interest margin | 4.2097% | 1,254 |
| Noninterest income to average assets | 1.5641% | 643 |
| Noninterest expense to average assets | 3.4385% | 1,742 |
| Loan and lease loss provision to assets | -0.0380% | 6,628 |
| Net operating income to assets | 1.1823% | 1,638 |
| Return on assets (ROA) | 1.1823% | 1,746 |
| Pretax return on assets | 1.9900% | 619 |
| Return on Equity (ROE) | 11.2764% | 1,725 |
| Retained earnings to average equity (ytd only) | 8.5051% | 1,286 |
| Net charge-offs to loans | 0.3210% | 1,898 |
| Credit loss provision to net charge-offs | -19.3346% | 5,474 |
| Earnings coverage of net charge-offs (x) | 9.9393% | 2,215 |
| Efficiency ratio | 63.6399% | 4,920 |
| Assets per employee ($millions) | 3.5777% | 4,677 |
| Cash dividends to net income (ytd only)* | 24.5758% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 1,107 |
| Loan loss allowance to noncurrent loans | 62.5675% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6421% | 1,581 |
| Noncurrent loans to loans | 3.8158% | 1,062 |
| Net loans and leases to total assets | 62.5905% | 3,181 |
| Net loans and leases to deposits | 71.3604% | 3,537 |
| Net loans and leases to core deposits | 73.8305% | 3,842 |
| Total domestic deposits to total assets | 87.7104% | 2,437 |
| Equity capital to assets | 10.7276% | 3,024 |
| Core capital (leverage) ratio | 10.1453% | 3,302 |
| Tier 1 risk-based capital ratio | 13.3787% | 4,857 |
| Total risk-based capital ratio | 14.6404% | 4,797 |
| Memoranda: | ||
| Average total assets | $2,601,973,000 | 288 |
| Average earning assets | $2,365,031,330 | 283 |
| Average equity | $272,801,000 | 301 |
| Average total loans | $1,591,930,670 | 296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,678 |
| Cost of funding earning assets | 0.1564% | 6,778 |
| Net interest margin | 4.1970% | 1,190 |
| Noninterest income to average assets | 1.5664% | 629 |
| Noninterest expense to average assets | 3.2886% | 2,112 |
| Loan and lease loss provision to assets | -0.1698% | 6,886 |
| Net operating income to assets | 1.3400% | 1,176 |
| Return on assets (ROA) | 1.3400% | 1,272 |
| Pretax return on assets | 2.2610% | 375 |
| Return on Equity (ROE) | 12.9293% | 1,189 |
| Retained earnings to average equity (ytd only) | 10.4150% | 1,005 |
| Net charge-offs to loans | 0.4294% | 1,384 |
| Credit loss provision to net charge-offs | -66.2283% | 5,087 |
| Earnings coverage of net charge-offs (x) | 8.1548% | 1,971 |
| Efficiency ratio | 60.9807% | 5,446 |
| Assets per employee ($millions) | 3.4956% | 4,990 |
| Cash dividends to net income (ytd only)* | 19.4464% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5883% | 1,023 |
| Loan loss allowance to noncurrent loans | 60.8499% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.7436% | 1,657 |
| Noncurrent loans to loans | 4.2535% | 1,017 |
| Net loans and leases to total assets | 57.4613% | 3,852 |
| Net loans and leases to deposits | 65.5767% | 4,111 |
| Net loans and leases to core deposits | 67.8636% | 4,316 |
| Total domestic deposits to total assets | 87.6245% | 2,552 |
| Equity capital to assets | 10.4854% | 3,558 |
| Core capital (leverage) ratio | 9.8477% | 3,601 |
| Tier 1 risk-based capital ratio | 13.8125% | 4,643 |
| Total risk-based capital ratio | 15.0758% | 4,594 |
| Memoranda: | ||
| Average total assets | $2,609,613,000 | 290 |
| Average earning assets | $2,371,098,000 | 285 |
| Average equity | $270,456,000 | 304 |
| Average total loans | $1,558,584,500 | 304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 2,557 |
| Cost of funding earning assets | 0.2607% | 6,627 |
| Net interest margin | 4.4482% | 1,052 |
| Noninterest income to average assets | 1.4914% | 710 |
| Noninterest expense to average assets | 3.8220% | 1,220 |
| Loan and lease loss provision to assets | 0.3700% | 1,771 |
| Net operating income to assets | 0.7914% | 3,322 |
| Return on assets (ROA) | 0.7914% | 3,574 |
| Pretax return on assets | 1.3322% | 2,282 |
| Return on Equity (ROE) | 7.7071% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.4482% | 3,109 |
| Net charge-offs to loans | 0.8130% | 1,440 |
| Credit loss provision to net charge-offs | 74.2612% | 4,034 |
| Earnings coverage of net charge-offs (x) | 3.4162% | 3,735 |
| Efficiency ratio | 69.0376% | 3,969 |
| Assets per employee ($millions) | 3.5387% | 4,929 |
| Cash dividends to net income (ytd only)* | 42.2844% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7046% | 918 |
| Loan loss allowance to noncurrent loans | 55.7031% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 3.2232% | 1,441 |
| Noncurrent loans to loans | 4.8554% | 844 |
| Net loans and leases to total assets | 58.8271% | 3,835 |
| Net loans and leases to deposits | 66.9322% | 4,141 |
| Net loans and leases to core deposits | 69.2648% | 4,403 |
| Total domestic deposits to total assets | 87.8906% | 2,297 |
| Equity capital to assets | 10.2421% | 3,836 |
| Core capital (leverage) ratio | 9.7340% | 3,757 |
| Tier 1 risk-based capital ratio | 13.1574% | 4,996 |
| Total risk-based capital ratio | 14.4223% | 4,924 |
| Memoranda: | ||
| Average total assets | $2,546,536,600 | 283 |
| Average earning assets | $2,308,751,000 | 285 |
| Average equity | $261,500,000 | 305 |
| Average total loans | $1,560,693,400 | 297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 2,396 |
| Cost of funding earning assets | 0.2887% | 6,664 |
| Net interest margin | 4.5091% | 973 |
| Noninterest income to average assets | 1.4733% | 689 |
| Noninterest expense to average assets | 3.8151% | 1,181 |
| Loan and lease loss provision to assets | 0.4161% | 1,539 |
| Net operating income to assets | 0.7962% | 3,473 |
| Return on assets (ROA) | 0.7962% | 3,711 |
| Pretax return on assets | 1.3299% | 2,495 |
| Return on Equity (ROE) | 7.7488% | 3,395 |
| Retained earnings to average equity (ytd only) | 4.2260% | 3,920 |
| Net charge-offs to loans | 0.8280% | 1,322 |
| Credit loss provision to net charge-offs | 81.7110% | 3,575 |
| Earnings coverage of net charge-offs (x) | 3.4288% | 3,650 |
| Efficiency ratio | 68.4550% | 3,965 |
| Assets per employee ($millions) | 3.3748% | 5,269 |
| Cash dividends to net income (ytd only)* | 45.4618% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7755% | 905 |
| Loan loss allowance to noncurrent loans | 52.3051% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 3.7620% | 1,309 |
| Noncurrent loans to loans | 5.3063% | 823 |
| Net loans and leases to total assets | 61.5071% | 3,477 |
| Net loans and leases to deposits | 70.1582% | 3,873 |
| Net loans and leases to core deposits | 72.8165% | 4,153 |
| Total domestic deposits to total assets | 87.6692% | 2,248 |
| Equity capital to assets | 10.5360% | 3,802 |
| Core capital (leverage) ratio | 9.7627% | 3,851 |
| Tier 1 risk-based capital ratio | 12.9799% | 5,272 |
| Total risk-based capital ratio | 14.2451% | 5,217 |
| Memoranda: | ||
| Average total assets | $2,531,163,000 | 283 |
| Average earning assets | $2,294,671,750 | 284 |
| Average equity | $260,095,500 | 304 |
| Average total loans | $1,556,647,750 | 299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 2,511 |
| Cost of funding earning assets | 0.3020% | 6,734 |
| Net interest margin | 4.4967% | 999 |
| Noninterest income to average assets | 1.4855% | 658 |
| Noninterest expense to average assets | 3.7029% | 1,365 |
| Loan and lease loss provision to assets | 0.5808% | 1,040 |
| Net operating income to assets | 0.7748% | 3,490 |
| Return on assets (ROA) | 0.7748% | 3,759 |
| Pretax return on assets | 1.2730% | 2,643 |
| Return on Equity (ROE) | 7.6033% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.4856% | 4,269 |
| Net charge-offs to loans | 0.9619% | 1,152 |
| Credit loss provision to net charge-offs | 99.1254% | 2,801 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 3,474 |
| Efficiency ratio | 66.4907% | 4,433 |
| Assets per employee ($millions) | 3.4206% | 5,167 |
| Cash dividends to net income (ytd only)* | 54.1569% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 826 |
| Loan loss allowance to noncurrent loans | 55.3217% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 3.7879% | 1,369 |
| Noncurrent loans to loans | 5.3201% | 893 |
| Net loans and leases to total assets | 59.8941% | 3,841 |
| Net loans and leases to deposits | 69.7231% | 3,939 |
| Net loans and leases to core deposits | 72.3115% | 4,266 |
| Total domestic deposits to total assets | 85.9027% | 3,402 |
| Equity capital to assets | 10.3302% | 3,905 |
| Core capital (leverage) ratio | 9.6380% | 3,941 |
| Tier 1 risk-based capital ratio | 12.9165% | 5,243 |
| Total risk-based capital ratio | 14.1833% | 5,208 |
| Memoranda: | ||
| Average total assets | $2,536,803,000 | 285 |
| Average earning assets | $2,296,782,330 | 283 |
| Average equity | $258,494,000 | 304 |
| Average total loans | $1,545,335,670 | 301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 2,953 |
| Cost of funding earning assets | 0.3114% | 6,811 |
| Net interest margin | 4.4138% | 1,194 |
| Noninterest income to average assets | 1.3000% | 844 |
| Noninterest expense to average assets | 3.5838% | 1,598 |
| Loan and lease loss provision to assets | 0.6285% | 888 |
| Net operating income to assets | 0.6617% | 4,073 |
| Return on assets (ROA) | 0.6617% | 4,284 |
| Pretax return on assets | 1.0789% | 3,402 |
| Return on Equity (ROE) | 6.5389% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.0131% | 4,179 |
| Net charge-offs to loans | 1.1586% | 889 |
| Credit loss provision to net charge-offs | 89.6366% | 2,551 |
| Earnings coverage of net charge-offs (x) | 2.4349% | 3,205 |
| Efficiency ratio | 67.5763% | 4,259 |
| Assets per employee ($millions) | 3.4212% | 5,294 |
| Cash dividends to net income (ytd only)* | 38.6261% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9963% | 832 |
| Loan loss allowance to noncurrent loans | 55.0433% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.8458% | 1,453 |
| Noncurrent loans to loans | 5.4435% | 983 |
| Net loans and leases to total assets | 58.1238% | 4,013 |
| Net loans and leases to deposits | 67.7995% | 4,098 |
| Net loans and leases to core deposits | 70.4361% | 4,347 |
| Total domestic deposits to total assets | 85.7289% | 3,671 |
| Equity capital to assets | 10.2184% | 3,828 |
| Core capital (leverage) ratio | 9.5270% | 4,017 |
| Tier 1 risk-based capital ratio | 13.0080% | 5,212 |
| Total risk-based capital ratio | 14.2750% | 5,169 |
| Memoranda: | ||
| Average total assets | $2,543,014,500 | 282 |
| Average earning assets | $2,299,529,500 | 279 |
| Average equity | $257,354,000 | 302 |
| Average total loans | $1,539,102,000 | 297 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,253 |
| Cost of funding earning assets | 0.4292% | 6,802 |
| Net interest margin | 4.4932% | 1,150 |
| Noninterest income to average assets | 1.8455% | 429 |
| Noninterest expense to average assets | 3.5403% | 1,887 |
| Loan and lease loss provision to assets | 0.9940% | 953 |
| Net operating income to assets | 0.8472% | 2,836 |
| Return on assets (ROA) | 0.8472% | 2,990 |
| Pretax return on assets | 1.3631% | 1,905 |
| Return on Equity (ROE) | 7.9773% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,595 |
| Net charge-offs to loans | 1.3389% | 1,229 |
| Credit loss provision to net charge-offs | 116.9549% | 2,758 |
| Earnings coverage of net charge-offs (x) | 2.7734% | 3,837 |
| Efficiency ratio | 59.9024% | 5,774 |
| Assets per employee ($millions) | 3.5576% | 4,875 |
| Cash dividends to net income (ytd only)* | 36.5556% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 862 |
| Loan loss allowance to noncurrent loans | 50.8264% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 4.1759% | 1,354 |
| Noncurrent loans to loans | 5.7861% | 885 |
| Net loans and leases to total assets | 59.3235% | 4,127 |
| Net loans and leases to deposits | 69.1542% | 4,251 |
| Net loans and leases to core deposits | 72.0278% | 4,533 |
| Total domestic deposits to total assets | 85.7844% | 3,439 |
| Equity capital to assets | 10.0225% | 4,140 |
| Core capital (leverage) ratio | 9.4429% | 4,120 |
| Tier 1 risk-based capital ratio | 12.6616% | 5,331 |
| Total risk-based capital ratio | 13.9285% | 5,302 |
| Memoranda: | ||
| Average total assets | $2,319,917,000 | 300 |
| Average earning assets | $2,092,128,200 | 299 |
| Average equity | $246,386,000 | 301 |
| Average total loans | $1,472,648,600 | 305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 4,019 |
| Cost of funding earning assets | 0.4563% | 6,864 |
| Net interest margin | 4.3436% | 1,576 |
| Noninterest income to average assets | 1.9059% | 410 |
| Noninterest expense to average assets | 3.5482% | 1,815 |
| Loan and lease loss provision to assets | 1.0395% | 811 |
| Net operating income to assets | 0.7575% | 3,353 |
| Return on assets (ROA) | 0.7575% | 3,517 |
| Pretax return on assets | 1.2331% | 2,513 |
| Return on Equity (ROE) | 7.0212% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.9144% | 3,934 |
| Net charge-offs to loans | 1.3698% | 1,105 |
| Credit loss provision to net charge-offs | 118.3130% | 2,757 |
| Earnings coverage of net charge-offs (x) | 2.5865% | 3,826 |
| Efficiency ratio | 60.8304% | 5,590 |
| Assets per employee ($millions) | 3.7458% | 4,419 |
| Cash dividends to net income (ytd only)* | 44.2481% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8553% | 975 |
| Loan loss allowance to noncurrent loans | 48.2023% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 4.4969% | 1,338 |
| Noncurrent loans to loans | 5.9237% | 948 |
| Net loans and leases to total assets | 61.9645% | 3,731 |
| Net loans and leases to deposits | 72.6600% | 3,860 |
| Net loans and leases to core deposits | 75.7604% | 4,220 |
| Total domestic deposits to total assets | 85.2801% | 3,632 |
| Equity capital to assets | 10.0593% | 4,264 |
| Core capital (leverage) ratio | 10.4578% | 2,920 |
| Tier 1 risk-based capital ratio | 12.1805% | 5,755 |
| Total risk-based capital ratio | 13.4464% | 5,729 |
| Memoranda: | ||
| Average total assets | $2,261,306,500 | 312 |
| Average earning assets | $2,038,114,750 | 308 |
| Average equity | $243,979,750 | 305 |
| Average total loans | $1,450,498,250 | 308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 3,338 |
| Cost of funding earning assets | 0.4895% | 6,879 |
| Net interest margin | 4.4737% | 1,195 |
| Noninterest income to average assets | 1.6103% | 503 |
| Noninterest expense to average assets | 3.6088% | 1,717 |
| Loan and lease loss provision to assets | 1.1493% | 696 |
| Net operating income to assets | 0.5596% | 4,266 |
| Return on assets (ROA) | 0.5596% | 4,390 |
| Pretax return on assets | 0.8850% | 3,684 |
| Return on Equity (ROE) | 5.0565% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.7205% | 5,135 |
| Net charge-offs to loans | 1.5900% | 925 |
| Credit loss provision to net charge-offs | 112.4519% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.9904% | 3,874 |
| Efficiency ratio | 63.7802% | 5,282 |
| Assets per employee ($millions) | 3.2126% | 5,611 |
| Cash dividends to net income (ytd only)* | 65.9745% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1392% | 800 |
| Loan loss allowance to noncurrent loans | 57.5381% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 3.9423% | 1,636 |
| Noncurrent loans to loans | 5.4558% | 1,164 |
| Net loans and leases to total assets | 62.3684% | 3,819 |
| Net loans and leases to deposits | 73.8153% | 3,833 |
| Net loans and leases to core deposits | 77.2503% | 4,156 |
| Total domestic deposits to total assets | 84.4925% | 4,125 |
| Equity capital to assets | 11.2296% | 2,740 |
| Core capital (leverage) ratio | 10.3510% | 2,881 |
| Tier 1 risk-based capital ratio | 13.2513% | 4,728 |
| Total risk-based capital ratio | 14.5197% | 4,690 |
| Memoranda: | ||
| Average total assets | $2,185,999,000 | 326 |
| Average earning assets | $1,970,527,670 | 321 |
| Average equity | $241,907,330 | 307 |
| Average total loans | $1,405,164,670 | 324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 3,343 |
| Cost of funding earning assets | 0.4899% | 7,005 |
| Net interest margin | 4.4564% | 1,159 |
| Noninterest income to average assets | 1.7066% | 469 |
| Noninterest expense to average assets | 3.5634% | 1,843 |
| Loan and lease loss provision to assets | 1.2778% | 541 |
| Net operating income to assets | 0.5592% | 4,238 |
| Return on assets (ROA) | 0.5592% | 4,317 |
| Pretax return on assets | 0.8834% | 3,565 |
| Return on Equity (ROE) | 5.0909% | 4,349 |
| Retained earnings to average equity (ytd only) | 2.3079% | 4,770 |
| Net charge-offs to loans | 1.8040% | 718 |
| Credit loss provision to net charge-offs | 110.2867% | 2,424 |
| Earnings coverage of net charge-offs (x) | 1.8653% | 3,373 |
| Efficiency ratio | 61.9755% | 5,681 |
| Assets per employee ($millions) | 3.2803% | 5,525 |
| Cash dividends to net income (ytd only)* | 54.6671% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1085% | 830 |
| Loan loss allowance to noncurrent loans | 58.0437% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.8027% | 1,773 |
| Noncurrent loans to loans | 5.3555% | 1,229 |
| Net loans and leases to total assets | 61.3930% | 3,988 |
| Net loans and leases to deposits | 72.4134% | 4,002 |
| Net loans and leases to core deposits | 75.8239% | 4,321 |
| Total domestic deposits to total assets | 84.7813% | 4,132 |
| Equity capital to assets | 11.0028% | 2,686 |
| Core capital (leverage) ratio | 10.3094% | 2,797 |
| Tier 1 risk-based capital ratio | 13.1672% | 4,692 |
| Total risk-based capital ratio | 14.4351% | 4,652 |
| Memoranda: | ||
| Average total assets | $2,191,525,500 | 325 |
| Average earning assets | $1,975,966,500 | 320 |
| Average equity | $240,742,000 | 307 |
| Average total loans | $1,407,526,500 | 325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 3,327 |
| Cost of funding earning assets | 0.6463% | 7,014 |
| Net interest margin | 4.6099% | 994 |
| Noninterest income to average assets | 1.4891% | 658 |
| Noninterest expense to average assets | 3.4871% | 2,212 |
| Loan and lease loss provision to assets | 1.7061% | 828 |
| Net operating income to assets | 0.3241% | 4,855 |
| Return on assets (ROA) | 0.3241% | 5,012 |
| Pretax return on assets | 0.4731% | 4,713 |
| Return on Equity (ROE) | 2.9574% | 4,977 |
| Retained earnings to average equity (ytd only) | -0.2219% | 5,650 |
| Net charge-offs to loans | 2.0661% | 971 |
| Credit loss provision to net charge-offs | 123.3794% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.5760% | 4,554 |
| Efficiency ratio | 61.2946% | 5,847 |
| Assets per employee ($millions) | 3.2185% | 5,627 |
| Cash dividends to net income (ytd only)* | 107.5042% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9884% | 881 |
| Loan loss allowance to noncurrent loans | 56.0241% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.9250% | 1,736 |
| Noncurrent loans to loans | 5.3341% | 1,237 |
| Net loans and leases to total assets | 63.1463% | 4,041 |
| Net loans and leases to deposits | 74.5889% | 4,100 |
| Net loans and leases to core deposits | 78.4714% | 4,400 |
| Total domestic deposits to total assets | 84.6590% | 4,026 |
| Equity capital to assets | 10.9674% | 2,719 |
| Core capital (leverage) ratio | 10.0178% | 3,073 |
| Tier 1 risk-based capital ratio | 12.9198% | 4,667 |
| Total risk-based capital ratio | 14.1869% | 4,622 |
| Memoranda: | ||
| Average total assets | $2,195,593,800 | 322 |
| Average earning assets | $1,989,502,600 | 318 |
| Average equity | $240,613,400 | 306 |
| Average total loans | $1,469,459,800 | 322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 3,454 |
| Cost of funding earning assets | 0.6784% | 7,112 |
| Net interest margin | 4.6014% | 1,042 |
| Noninterest income to average assets | 1.3843% | 709 |
| Noninterest expense to average assets | 3.4748% | 2,099 |
| Loan and lease loss provision to assets | 1.7787% | 705 |
| Net operating income to assets | 0.2247% | 5,433 |
| Return on assets (ROA) | 0.2247% | 5,591 |
| Pretax return on assets | 0.3055% | 5,491 |
| Return on Equity (ROE) | 2.0507% | 5,586 |
| Retained earnings to average equity (ytd only) | -1.2167% | 6,051 |
| Net charge-offs to loans | 2.3427% | 750 |
| Credit loss provision to net charge-offs | 112.6725% | 3,739 |
| Earnings coverage of net charge-offs (x) | 1.3203% | 4,756 |
| Efficiency ratio | 62.2664% | 5,570 |
| Assets per employee ($millions) | 3.3866% | 5,237 |
| Cash dividends to net income (ytd only)* | 159.3303% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6514% | 1,139 |
| Loan loss allowance to noncurrent loans | 45.6209% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 4.3150% | 1,576 |
| Noncurrent loans to loans | 5.8118% | 1,114 |
| Net loans and leases to total assets | 63.8795% | 4,149 |
| Net loans and leases to deposits | 75.3497% | 4,291 |
| Net loans and leases to core deposits | 82.3212% | 4,197 |
| Total domestic deposits to total assets | 84.7774% | 3,737 |
| Equity capital to assets | 10.7878% | 3,184 |
| Core capital (leverage) ratio | 9.9204% | 3,333 |
| Tier 1 risk-based capital ratio | 12.5492% | 4,937 |
| Total risk-based capital ratio | 13.8131% | 4,903 |
| Memoranda: | ||
| Average total assets | $2,197,354,500 | 321 |
| Average earning assets | $1,993,610,500 | 316 |
| Average equity | $240,760,000 | 303 |
| Average total loans | $1,480,685,000 | 320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 3,879 |
| Cost of funding earning assets | 0.7040% | 7,187 |
| Net interest margin | 4.5101% | 1,183 |
| Noninterest income to average assets | 1.4313% | 620 |
| Noninterest expense to average assets | 3.3723% | 2,339 |
| Loan and lease loss provision to assets | 1.6918% | 748 |
| Net operating income to assets | 0.3137% | 5,123 |
| Return on assets (ROA) | 0.3137% | 5,283 |
| Pretax return on assets | 0.4577% | 5,037 |
| Return on Equity (ROE) | 2.8479% | 5,312 |
| Retained earnings to average equity (ytd only) | -0.5978% | 5,875 |
| Net charge-offs to loans | 2.0908% | 865 |
| Credit loss provision to net charge-offs | 119.0246% | 3,418 |
| Earnings coverage of net charge-offs (x) | 1.5123% | 4,356 |
| Efficiency ratio | 60.8453% | 5,887 |
| Assets per employee ($millions) | 3.4259% | 5,102 |
| Cash dividends to net income (ytd only)* | 120.9913% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 1,235 |
| Loan loss allowance to noncurrent loans | 52.8553% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.7174% | 1,882 |
| Noncurrent loans to loans | 4.8308% | 1,460 |
| Net loans and leases to total assets | 65.9647% | 3,841 |
| Net loans and leases to deposits | 77.5808% | 4,068 |
| Net loans and leases to core deposits | 84.8347% | 4,014 |
| Total domestic deposits to total assets | 85.0270% | 3,610 |
| Equity capital to assets | 10.8904% | 2,978 |
| Core capital (leverage) ratio | 10.1830% | 2,955 |
| Tier 1 risk-based capital ratio | 12.2786% | 5,052 |
| Total risk-based capital ratio | 13.5415% | 5,020 |
| Memoranda: | ||
| Average total assets | $2,187,012,670 | 317 |
| Average earning assets | $1,983,564,000 | 314 |
| Average equity | $240,882,000 | 300 |
| Average total loans | $1,486,831,000 | 318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,678 |
| Cost of funding earning assets | 0.7424% | 7,248 |
| Net interest margin | 4.5300% | 1,080 |
| Noninterest income to average assets | 1.3919% | 625 |
| Noninterest expense to average assets | 3.4454% | 2,118 |
| Loan and lease loss provision to assets | 1.5677% | 738 |
| Net operating income to assets | 0.3331% | 5,153 |
| Return on assets (ROA) | 0.3331% | 5,279 |
| Pretax return on assets | 0.4886% | 5,003 |
| Return on Equity (ROE) | 3.0068% | 5,334 |
| Retained earnings to average equity (ytd only) | -0.7392% | 6,003 |
| Net charge-offs to loans | 2.0662% | 828 |
| Credit loss provision to net charge-offs | 111.3586% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.4606% | 3,868 |
| Efficiency ratio | 62.4070% | 5,753 |
| Assets per employee ($millions) | 3.3004% | 5,539 |
| Cash dividends to net income (ytd only)* | 124.5847% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4973% | 1,298 |
| Loan loss allowance to noncurrent loans | 51.7045% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 3.4987% | 2,009 |
| Noncurrent loans to loans | 4.8299% | 1,519 |
| Net loans and leases to total assets | 65.4345% | 4,011 |
| Net loans and leases to deposits | 77.3778% | 4,153 |
| Net loans and leases to core deposits | 84.5087% | 4,133 |
| Total domestic deposits to total assets | 84.5650% | 3,866 |
| Equity capital to assets | 11.0761% | 2,700 |
| Core capital (leverage) ratio | 10.3134% | 2,799 |
| Tier 1 risk-based capital ratio | 12.2826% | 4,912 |
| Total risk-based capital ratio | 13.5445% | 4,866 |
| Memoranda: | ||
| Average total assets | $2,168,815,500 | 326 |
| Average earning assets | $1,967,573,000 | 322 |
| Average equity | $240,254,000 | 304 |
| Average total loans | $1,477,700,000 | 330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 2,266 |
| Cost of funding earning assets | 1.0028% | 7,199 |
| Net interest margin | 4.8913% | 573 |
| Noninterest income to average assets | 1.4485% | 692 |
| Noninterest expense to average assets | 3.5737% | 2,209 |
| Loan and lease loss provision to assets | 1.5020% | 1,533 |
| Net operating income to assets | 0.5348% | 3,593 |
| Return on assets (ROA) | 0.5348% | 3,686 |
| Pretax return on assets | 0.8249% | 3,170 |
| Return on Equity (ROE) | 4.6678% | 3,812 |
| Retained earnings to average equity (ytd only) | 0.8909% | 4,400 |
| Net charge-offs to loans | 1.5221% | 1,645 |
| Credit loss provision to net charge-offs | 133.4493% | 3,738 |
| Earnings coverage of net charge-offs (x) | 2.0674% | 4,179 |
| Efficiency ratio | 60.2995% | 6,438 |
| Assets per employee ($millions) | 3.2769% | 5,545 |
| Cash dividends to net income (ytd only)* | 80.9145% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,393 |
| Loan loss allowance to noncurrent loans | 71.1295% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.4707% | 2,818 |
| Noncurrent loans to loans | 3.3243% | 2,293 |
| Net loans and leases to total assets | 67.5218% | 3,813 |
| Net loans and leases to deposits | 80.0802% | 3,971 |
| Net loans and leases to core deposits | 97.1948% | 4,325 |
| Total domestic deposits to total assets | 84.3177% | 3,885 |
| Equity capital to assets | 11.0792% | 2,646 |
| Core capital (leverage) ratio | 10.4742% | 2,635 |
| Tier 1 risk-based capital ratio | 12.0872% | 4,863 |
| Total risk-based capital ratio | 13.3481% | 4,822 |
| Memoranda: | ||
| Average total assets | $2,093,824,800 | 339 |
| Average earning assets | $1,905,862,800 | 334 |
| Average equity | $239,877,200 | 295 |
| Average total loans | $1,548,292,600 | 325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 2,018 |
| Cost of funding earning assets | 1.0409% | 7,301 |
| Net interest margin | 4.9638% | 481 |
| Noninterest income to average assets | 1.4396% | 718 |
| Noninterest expense to average assets | 3.5608% | 2,120 |
| Loan and lease loss provision to assets | 1.5197% | 1,258 |
| Net operating income to assets | 0.5546% | 3,770 |
| Return on assets (ROA) | 0.5546% | 3,859 |
| Pretax return on assets | 0.8849% | 3,273 |
| Return on Equity (ROE) | 4.7996% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.0126% | 4,747 |
| Net charge-offs to loans | 1.4261% | 1,452 |
| Credit loss provision to net charge-offs | 141.7101% | 3,459 |
| Earnings coverage of net charge-offs (x) | 2.2423% | 4,144 |
| Efficiency ratio | 59.4084% | 6,497 |
| Assets per employee ($millions) | 3.2272% | 5,583 |
| Cash dividends to net income (ytd only)* | 78.9016% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2564% | 1,339 |
| Loan loss allowance to noncurrent loans | 66.7549% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.5845% | 2,691 |
| Noncurrent loans to loans | 3.3802% | 2,231 |
| Net loans and leases to total assets | 71.4592% | 3,164 |
| Net loans and leases to deposits | 85.3992% | 3,431 |
| Net loans and leases to core deposits | 105.7763% | 3,728 |
| Total domestic deposits to total assets | 83.6766% | 3,871 |
| Equity capital to assets | 11.5340% | 2,556 |
| Core capital (leverage) ratio | 10.6337% | 2,682 |
| Tier 1 risk-based capital ratio | 11.8973% | 5,066 |
| Total risk-based capital ratio | 13.1572% | 4,994 |
| Memoranda: | ||
| Average total assets | $2,074,960,500 | 354 |
| Average earning assets | $1,891,849,500 | 347 |
| Average equity | $239,761,500 | 306 |
| Average total loans | $1,560,313,000 | 338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0823% | 1,849 |
| Cost of funding earning assets | 1.0966% | 7,382 |
| Net interest margin | 4.9857% | 447 |
| Noninterest income to average assets | 1.4127% | 753 |
| Noninterest expense to average assets | 3.4978% | 2,340 |
| Loan and lease loss provision to assets | 1.5132% | 1,132 |
| Net operating income to assets | 0.5892% | 3,720 |
| Return on assets (ROA) | 0.5892% | 3,834 |
| Pretax return on assets | 0.9442% | 3,199 |
| Return on Equity (ROE) | 5.0962% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.3915% | 4,564 |
| Net charge-offs to loans | 1.2250% | 1,499 |
| Credit loss provision to net charge-offs | 162.7496% | 2,825 |
| Earnings coverage of net charge-offs (x) | 2.6430% | 3,753 |
| Efficiency ratio | 58.4144% | 6,782 |
| Assets per employee ($millions) | 3.2502% | 5,451 |
| Cash dividends to net income (ytd only)* | 72.6945% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1662% | 1,292 |
| Loan loss allowance to noncurrent loans | 69.6769% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.4384% | 2,648 |
| Noncurrent loans to loans | 3.1089% | 2,303 |
| Net loans and leases to total assets | 72.7791% | 3,008 |
| Net loans and leases to deposits | 87.3780% | 3,286 |
| Net loans and leases to core deposits | 109.1864% | 3,472 |
| Total domestic deposits to total assets | 83.2923% | 4,109 |
| Equity capital to assets | 11.4884% | 2,548 |
| Core capital (leverage) ratio | 10.6732% | 2,686 |
| Tier 1 risk-based capital ratio | 11.6010% | 5,288 |
| Total risk-based capital ratio | 12.8594% | 5,212 |
| Memoranda: | ||
| Average total assets | $2,068,471,330 | 365 |
| Average earning assets | $1,884,584,670 | 355 |
| Average equity | $239,158,000 | 309 |
| Average total loans | $1,570,013,330 | 346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1530% | 1,750 |
| Cost of funding earning assets | 1.1598% | 7,391 |
| Net interest margin | 4.9932% | 404 |
| Noninterest income to average assets | 1.2846% | 868 |
| Noninterest expense to average assets | 3.3097% | 2,632 |
| Loan and lease loss provision to assets | 1.5150% | 827 |
| Net operating income to assets | 0.6276% | 3,900 |
| Return on assets (ROA) | 0.6276% | 4,080 |
| Pretax return on assets | 1.0123% | 3,308 |
| Return on Equity (ROE) | 5.4103% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.0111% | 4,743 |
| Net charge-offs to loans | 0.6627% | 1,856 |
| Credit loss provision to net charge-offs | 298.1651% | 1,635 |
| Earnings coverage of net charge-offs (x) | 4.9740% | 2,782 |
| Efficiency ratio | 56.2592% | 6,936 |
| Assets per employee ($millions) | 3.3825% | 5,114 |
| Cash dividends to net income (ytd only)* | 62.8288% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 1,251 |
| Loan loss allowance to noncurrent loans | 83.4093% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0078% | 2,887 |
| Noncurrent loans to loans | 2.5076% | 2,626 |
| Net loans and leases to total assets | 73.8702% | 2,790 |
| Net loans and leases to deposits | 88.8328% | 3,135 |
| Net loans and leases to core deposits | 110.9214% | 3,319 |
| Total domestic deposits to total assets | 83.1565% | 4,067 |
| Equity capital to assets | 11.5695% | 2,546 |
| Core capital (leverage) ratio | 10.8519% | 2,615 |
| Tier 1 risk-based capital ratio | 11.4194% | 5,485 |
| Total risk-based capital ratio | 12.6767% | 5,378 |
| Memoranda: | ||
| Average total assets | $2,059,406,000 | 365 |
| Average earning assets | $1,877,593,500 | 359 |
| Average equity | $238,878,000 | 311 |
| Average total loans | $1,578,902,500 | 348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7437% | 1,889 |
| Cost of funding earning assets | 1.6133% | 7,421 |
| Net interest margin | 5.1303% | 379 |
| Noninterest income to average assets | 1.3583% | 782 |
| Noninterest expense to average assets | 3.4190% | 2,614 |
| Loan and lease loss provision to assets | 1.0503% | 1,395 |
| Net operating income to assets | 0.9327% | 2,863 |
| Return on assets (ROA) | 0.9327% | 2,716 |
| Pretax return on assets | 1.5076% | 1,662 |
| Return on Equity (ROE) | 8.0819% | 3,036 |
| Retained earnings to average equity (ytd only) | 2.7176% | 3,489 |
| Net charge-offs to loans | 0.6856% | 1,790 |
| Credit loss provision to net charge-offs | 195.9592% | 2,501 |
| Earnings coverage of net charge-offs (x) | 4.7725% | 3,867 |
| Efficiency ratio | 56.7654% | 6,896 |
| Assets per employee ($millions) | 3.2671% | 5,297 |
| Cash dividends to net income (ytd only)* | 66.3746% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 1,813 |
| Loan loss allowance to noncurrent loans | 84.1620% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.6635% | 2,920 |
| Noncurrent loans to loans | 2.0607% | 2,681 |
| Net loans and leases to total assets | 76.5571% | 2,488 |
| Net loans and leases to deposits | 93.5892% | 2,838 |
| Net loans and leases to core deposits | 114.9328% | 3,243 |
| Total domestic deposits to total assets | 81.8012% | 4,275 |
| Equity capital to assets | 11.6297% | 2,545 |
| Core capital (leverage) ratio | 11.0730% | 2,535 |
| Tier 1 risk-based capital ratio | 11.1527% | 5,595 |
| Total risk-based capital ratio | 12.4062% | 5,477 |
| Memoranda: | ||
| Average total assets | $1,994,746,400 | 364 |
| Average earning assets | $1,795,778,000 | 363 |
| Average equity | $230,206,800 | 330 |
| Average total loans | $1,559,463,800 | 343 |