Home > Union Bank and Trust Company > Performance and Condition Ratios
Union Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 777 |
| Cost of funding earning assets | 2.7454% | 229 |
| Net interest margin | 3.1007% | 3,095 |
| Noninterest income to average assets | 1.6700% | 329 |
| Noninterest expense to average assets | 2.6570% | 1,854 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.2421% | 1,554 |
| Return on assets (ROA) | 1.2554% | 1,503 |
| Pretax return on assets | 1.5974% | 1,234 |
| Return on Equity (ROE) | 13.7700% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.3727% | 717 |
| Net charge-offs to loans | 0.2636% | 406 |
| Credit loss provision to net charge-offs | 213.5327% | 1,176 |
| Earnings coverage of net charge-offs (x) | 10.2623% | 2,247 |
| Efficiency ratio | 57.9782% | 3,298 |
| Assets per employee ($millions) | 8.3982% | 1,229 |
| Cash dividends to net income (ytd only)* | 17.4320% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 866 |
| Loan loss allowance to noncurrent loans | 933.8786% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,718 |
| Noncurrent loans to loans | 0.1695% | 2,672 |
| Net loans and leases to total assets | 71.7900% | 1,606 |
| Net loans and leases to deposits | 87.3034% | 1,503 |
| Net loans and leases to core deposits | 104.2363% | 1,208 |
| Total domestic deposits to total assets | 82.2300% | 3,083 |
| Equity capital to assets | 9.3457% | 2,459 |
| Core capital (leverage) ratio | 9.4421% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6864% | 2,342 |
| Memoranda: | ||
| Average total assets | $8,017,326,200 | 188 |
| Average earning assets | $7,532,057,800 | 179 |
| Average equity | $730,724,600 | 208 |
| Average total loans | $5,708,126,400 | 186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7437% | 740 |
| Cost of funding earning assets | 2.5960% | 238 |
| Net interest margin | 3.1478% | 3,032 |
| Noninterest income to average assets | 1.6900% | 346 |
| Noninterest expense to average assets | 2.6947% | 1,678 |
| Loan and lease loss provision to assets | 0.5200% | 151 |
| Net operating income to assets | 1.1215% | 1,986 |
| Return on assets (ROA) | 1.1332% | 1,936 |
| Pretax return on assets | 1.4503% | 1,674 |
| Return on Equity (ROE) | 12.5200% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.0109% | 1,396 |
| Net charge-offs to loans | 0.0391% | 1,331 |
| Credit loss provision to net charge-offs | 1,885.0030% | 251 |
| Earnings coverage of net charge-offs (x) | 70.5610% | 1,108 |
| Efficiency ratio | 57.9752% | 3,208 |
| Assets per employee ($millions) | 8.4627% | 1,132 |
| Cash dividends to net income (ytd only)* | 20.0228% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 536 |
| Loan loss allowance to noncurrent loans | 1,555.1458% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,027 |
| Noncurrent loans to loans | 0.1176% | 2,978 |
| Net loans and leases to total assets | 70.6300% | 1,753 |
| Net loans and leases to deposits | 96.3844% | 730 |
| Net loans and leases to core deposits | 114.1667% | 722 |
| Total domestic deposits to total assets | 73.2700% | 4,207 |
| Equity capital to assets | 9.1412% | 2,330 |
| Core capital (leverage) ratio | 9.2385% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4759% | 2,454 |
| Memoranda: | ||
| Average total assets | $7,932,607,000 | 190 |
| Average earning assets | $7,450,301,750 | 183 |
| Average equity | $718,170,000 | 208 |
| Average total loans | $5,611,337,000 | 187 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 735 |
| Cost of funding earning assets | 2.4509% | 212 |
| Net interest margin | 3.1464% | 3,114 |
| Noninterest income to average assets | 1.6700% | 291 |
| Noninterest expense to average assets | 2.7082% | 1,620 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.3041% | 1,561 |
| Return on assets (ROA) | 1.3165% | 1,512 |
| Pretax return on assets | 1.7033% | 1,208 |
| Return on Equity (ROE) | 14.5900% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.8992% | 1,001 |
| Net charge-offs to loans | 0.0428% | 1,078 |
| Credit loss provision to net charge-offs | 767.6570% | 488 |
| Earnings coverage of net charge-offs (x) | 63.7309% | 1,165 |
| Efficiency ratio | 58.5166% | 3,129 |
| Assets per employee ($millions) | 8.1746% | 1,244 |
| Cash dividends to net income (ytd only)* | 18.4531% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,665.6614% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,119 |
| Noncurrent loans to loans | 0.0908% | 3,051 |
| Net loans and leases to total assets | 70.5700% | 1,680 |
| Net loans and leases to deposits | 94.0470% | 859 |
| Net loans and leases to core deposits | 107.2636% | 937 |
| Total domestic deposits to total assets | 75.0400% | 4,114 |
| Equity capital to assets | 9.1783% | 2,390 |
| Core capital (leverage) ratio | 9.3160% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5060% | 2,461 |
| Memoranda: | ||
| Average total assets | $7,820,784,333 | 186 |
| Average earning assets | $7,355,283,333 | 181 |
| Average equity | $705,626,000 | 207 |
| Average total loans | $5,499,066,000 | 184 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 740 |
| Cost of funding earning assets | 2.1846% | 202 |
| Net interest margin | 3.2040% | 3,107 |
| Noninterest income to average assets | 1.6500% | 297 |
| Noninterest expense to average assets | 2.7223% | 1,613 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.2255% | 1,870 |
| Return on assets (ROA) | 1.2411% | 1,795 |
| Pretax return on assets | 1.6040% | 1,453 |
| Return on Equity (ROE) | 13.8800% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.1229% | 1,445 |
| Net charge-offs to loans | 0.0378% | 983 |
| Credit loss provision to net charge-offs | 1,058.3826% | 347 |
| Earnings coverage of net charge-offs (x) | 73.5799% | 931 |
| Efficiency ratio | 58.4318% | 3,140 |
| Assets per employee ($millions) | 8.0432% | 1,317 |
| Cash dividends to net income (ytd only)* | 19.8687% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,157 |
| Loan loss allowance to noncurrent loans | 788.8587% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,552 |
| Noncurrent loans to loans | 0.1949% | 2,500 |
| Net loans and leases to total assets | 69.1800% | 1,706 |
| Net loans and leases to deposits | 96.1374% | 645 |
| Net loans and leases to core deposits | 105.7260% | 845 |
| Total domestic deposits to total assets | 71.9600% | 4,360 |
| Equity capital to assets | 8.9977% | 2,520 |
| Core capital (leverage) ratio | 9.3200% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6260% | 2,524 |
| Memoranda: | ||
| Average total assets | $7,705,177,500 | 195 |
| Average earning assets | $7,243,285,000 | 187 |
| Average equity | $688,922,500 | 217 |
| Average total loans | $5,363,702,500 | 194 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 1,792 |
| Cost of funding earning assets | 0.8803% | 271 |
| Net interest margin | 3.0900% | 3,201 |
| Noninterest income to average assets | 1.8500% | 277 |
| Noninterest expense to average assets | 2.6171% | 1,783 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.5452% | 786 |
| Return on assets (ROA) | 1.5509% | 747 |
| Pretax return on assets | 2.0302% | 444 |
| Return on Equity (ROE) | 16.9000% | 877 |
| Retained earnings to average equity (ytd only) | 14.3763% | 339 |
| Net charge-offs to loans | 0.0394% | 1,308 |
| Credit loss provision to net charge-offs | 477.9482% | 701 |
| Earnings coverage of net charge-offs (x) | 80.0005% | 1,088 |
| Efficiency ratio | 54.8814% | 3,700 |
| Assets per employee ($millions) | 7.8277% | 1,425 |
| Cash dividends to net income (ytd only)* | 14.9427% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 533 |
| Loan loss allowance to noncurrent loans | 308.0111% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,203 |
| Noncurrent loans to loans | 0.6187% | 1,202 |
| Net loans and leases to total assets | 67.6300% | 1,870 |
| Net loans and leases to deposits | 90.5489% | 1,009 |
| Net loans and leases to core deposits | 99.0670% | 1,051 |
| Total domestic deposits to total assets | 74.6900% | 4,332 |
| Equity capital to assets | 8.8829% | 2,431 |
| Core capital (leverage) ratio | 9.3348% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6842% | 2,493 |
| Memoranda: | ||
| Average total assets | $7,031,298,600 | 213 |
| Average earning assets | $6,635,892,000 | 204 |
| Average equity | $645,194,400 | 226 |
| Average total loans | $4,802,476,800 | 200 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 2,335 |
| Cost of funding earning assets | 0.6031% | 431 |
| Net interest margin | 3.0004% | 3,221 |
| Noninterest income to average assets | 1.8000% | 298 |
| Noninterest expense to average assets | 2.5643% | 1,812 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.4970% | 864 |
| Return on assets (ROA) | 1.4978% | 838 |
| Pretax return on assets | 1.8963% | 590 |
| Return on Equity (ROE) | 16.1800% | 945 |
| Retained earnings to average equity (ytd only) | 13.5660% | 528 |
| Net charge-offs to loans | 0.0278% | 1,269 |
| Credit loss provision to net charge-offs | 920.2454% | 427 |
| Earnings coverage of net charge-offs (x) | 109.3016% | 904 |
| Efficiency ratio | 55.3388% | 3,684 |
| Assets per employee ($millions) | 7.6806% | 1,500 |
| Cash dividends to net income (ytd only)* | 16.1568% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 434 |
| Loan loss allowance to noncurrent loans | 406.5801% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,589 |
| Noncurrent loans to loans | 0.5108% | 1,522 |
| Net loans and leases to total assets | 64.9500% | 1,989 |
| Net loans and leases to deposits | 87.9888% | 1,037 |
| Net loans and leases to core deposits | 97.4038% | 928 |
| Total domestic deposits to total assets | 73.8200% | 4,457 |
| Equity capital to assets | 9.1560% | 2,115 |
| Core capital (leverage) ratio | 9.3478% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0980% | 2,431 |
| Memoranda: | ||
| Average total assets | $6,887,001,000 | 218 |
| Average earning assets | $6,507,992,250 | 206 |
| Average equity | $637,529,000 | 228 |
| Average total loans | $4,691,619,250 | 202 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 2,783 |
| Cost of funding earning assets | 0.4370% | 736 |
| Net interest margin | 2.8484% | 3,295 |
| Noninterest income to average assets | 1.9034% | 246 |
| Noninterest expense to average assets | 2.5123% | 1,893 |
| Loan and lease loss provision to assets | 0.1780% | 493 |
| Net operating income to assets | 1.4664% | 767 |
| Return on assets (ROA) | 1.4649% | 748 |
| Pretax return on assets | 1.9076% | 462 |
| Return on Equity (ROE) | 15.7630% | 743 |
| Retained earnings to average equity (ytd only) | 12.9703% | 469 |
| Net charge-offs to loans | 0.0254% | 1,213 |
| Credit loss provision to net charge-offs | 1,020.4082% | 395 |
| Earnings coverage of net charge-offs (x) | 119.6888% | 739 |
| Efficiency ratio | 54.6183% | 3,903 |
| Assets per employee ($millions) | 7.4180% | 1,666 |
| Cash dividends to net income (ytd only)* | 17.7165% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 468 |
| Loan loss allowance to noncurrent loans | 385.0345% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,537 |
| Noncurrent loans to loans | 0.5398% | 1,535 |
| Net loans and leases to total assets | 66.0204% | 1,687 |
| Net loans and leases to deposits | 82.8720% | 1,192 |
| Net loans and leases to core deposits | 92.5424% | 991 |
| Total domestic deposits to total assets | 79.6655% | 4,252 |
| Equity capital to assets | 9.0036% | 2,387 |
| Core capital (leverage) ratio | 9.3489% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9219% | 2,526 |
| Memoranda: | ||
| Average total assets | $6,742,812,333 | 220 |
| Average earning assets | $6,382,878,333 | 213 |
| Average equity | $626,646,333 | 227 |
| Average total loans | $4,637,111,333 | 201 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 3,015 |
| Cost of funding earning assets | 0.3760% | 1,022 |
| Net interest margin | 2.7110% | 3,376 |
| Noninterest income to average assets | 1.9415% | 251 |
| Noninterest expense to average assets | 2.5446% | 1,772 |
| Loan and lease loss provision to assets | 0.1816% | 422 |
| Net operating income to assets | 1.3740% | 846 |
| Return on assets (ROA) | 1.3728% | 842 |
| Pretax return on assets | 1.7904% | 556 |
| Return on Equity (ROE) | 14.5312% | 727 |
| Retained earnings to average equity (ytd only) | 11.3281% | 720 |
| Net charge-offs to loans | 0.0337% | 965 |
| Credit loss provision to net charge-offs | 775.1938% | 399 |
| Earnings coverage of net charge-offs (x) | 84.2584% | 726 |
| Efficiency ratio | 56.3206% | 3,848 |
| Assets per employee ($millions) | 7.3114% | 1,794 |
| Cash dividends to net income (ytd only)* | 22.0429% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 550 |
| Loan loss allowance to noncurrent loans | 383.4572% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,496 |
| Noncurrent loans to loans | 0.5400% | 1,690 |
| Net loans and leases to total assets | 68.0628% | 1,208 |
| Net loans and leases to deposits | 78.3348% | 1,262 |
| Net loans and leases to core deposits | 87.2340% | 1,069 |
| Total domestic deposits to total assets | 86.8870% | 2,968 |
| Equity capital to assets | 9.5073% | 2,275 |
| Core capital (leverage) ratio | 9.0499% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1377% | 2,558 |
| Memoranda: | ||
| Average total assets | $6,609,208,000 | 225 |
| Average earning assets | $6,281,549,000 | 218 |
| Average equity | $624,392,500 | 234 |
| Average total loans | $4,592,531,000 | 201 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 3,195 |
| Cost of funding earning assets | 0.4570% | 1,148 |
| Net interest margin | 2.8494% | 3,559 |
| Noninterest income to average assets | 1.9794% | 323 |
| Noninterest expense to average assets | 2.7338% | 1,534 |
| Loan and lease loss provision to assets | 0.1980% | 551 |
| Net operating income to assets | 1.3306% | 1,516 |
| Return on assets (ROA) | 1.3530% | 1,471 |
| Pretax return on assets | 1.7715% | 974 |
| Return on Equity (ROE) | 14.0858% | 1,162 |
| Retained earnings to average equity (ytd only) | 11.2091% | 667 |
| Net charge-offs to loans | 0.1994% | 484 |
| Credit loss provision to net charge-offs | 136.5654% | 1,546 |
| Earnings coverage of net charge-offs (x) | 13.3873% | 2,079 |
| Efficiency ratio | 58.4777% | 3,366 |
| Assets per employee ($millions) | 7.2464% | 1,765 |
| Cash dividends to net income (ytd only)* | 20.4227% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 579 |
| Loan loss allowance to noncurrent loans | 345.1162% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 1,489 |
| Noncurrent loans to loans | 0.5877% | 1,669 |
| Net loans and leases to total assets | 68.0627% | 1,257 |
| Net loans and leases to deposits | 77.9509% | 1,403 |
| Net loans and leases to core deposits | 86.6950% | 1,159 |
| Total domestic deposits to total assets | 87.3148% | 2,378 |
| Equity capital to assets | 9.3869% | 3,238 |
| Core capital (leverage) ratio | 9.2127% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1627% | 2,577 |
| Memoranda: | ||
| Average total assets | $6,059,958,800 | 228 |
| Average earning assets | $5,732,750,800 | 221 |
| Average equity | $582,088,400 | 245 |
| Average total loans | $4,406,906,800 | 206 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 3,366 |
| Cost of funding earning assets | 0.4784% | 1,167 |
| Net interest margin | 2.8313% | 3,705 |
| Noninterest income to average assets | 1.9692% | 362 |
| Noninterest expense to average assets | 2.7249% | 1,524 |
| Loan and lease loss provision to assets | 0.2024% | 509 |
| Net operating income to assets | 1.3135% | 1,781 |
| Return on assets (ROA) | 1.3394% | 1,771 |
| Pretax return on assets | 1.7490% | 1,284 |
| Return on Equity (ROE) | 13.8567% | 1,430 |
| Retained earnings to average equity (ytd only) | 10.7854% | 1,106 |
| Net charge-offs to loans | 0.2618% | 313 |
| Credit loss provision to net charge-offs | 105.0298% | 1,546 |
| Earnings coverage of net charge-offs (x) | 9.9555% | 2,055 |
| Efficiency ratio | 58.6809% | 3,166 |
| Assets per employee ($millions) | 6.9693% | 1,893 |
| Cash dividends to net income (ytd only)* | 22.1648% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0145% | 615 |
| Loan loss allowance to noncurrent loans | 348.7740% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,636 |
| Noncurrent loans to loans | 0.5776% | 1,865 |
| Net loans and leases to total assets | 71.4893% | 921 |
| Net loans and leases to deposits | 82.6697% | 1,054 |
| Net loans and leases to core deposits | 92.6434% | 892 |
| Total domestic deposits to total assets | 86.4758% | 2,570 |
| Equity capital to assets | 9.8383% | 3,073 |
| Core capital (leverage) ratio | 9.0332% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2554% | 2,625 |
| Memoranda: | ||
| Average total assets | $5,928,205,500 | 234 |
| Average earning assets | $5,599,690,000 | 225 |
| Average equity | $573,032,000 | 248 |
| Average total loans | $4,364,611,750 | 208 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 3,487 |
| Cost of funding earning assets | 0.5017% | 1,194 |
| Net interest margin | 2.7758% | 3,839 |
| Noninterest income to average assets | 2.0240% | 321 |
| Noninterest expense to average assets | 2.6930% | 1,607 |
| Loan and lease loss provision to assets | 0.2047% | 542 |
| Net operating income to assets | 1.3398% | 1,747 |
| Return on assets (ROA) | 1.3451% | 1,803 |
| Pretax return on assets | 1.7542% | 1,344 |
| Return on Equity (ROE) | 14.0028% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.5579% | 1,231 |
| Net charge-offs to loans | 0.3773% | 224 |
| Credit loss provision to net charge-offs | 73.4664% | 1,508 |
| Earnings coverage of net charge-offs (x) | 7.0065% | 1,933 |
| Efficiency ratio | 57.9738% | 3,290 |
| Assets per employee ($millions) | 6.6332% | 2,067 |
| Cash dividends to net income (ytd only)* | 24.6018% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 594 |
| Loan loss allowance to noncurrent loans | 323.2697% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 1,675 |
| Noncurrent loans to loans | 0.6238% | 1,849 |
| Net loans and leases to total assets | 71.1609% | 1,059 |
| Net loans and leases to deposits | 82.4483% | 1,182 |
| Net loans and leases to core deposits | 92.6037% | 968 |
| Total domestic deposits to total assets | 86.3098% | 2,624 |
| Equity capital to assets | 9.7531% | 3,092 |
| Core capital (leverage) ratio | 9.3440% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6503% | 2,493 |
| Memoranda: | ||
| Average total assets | $5,862,267,667 | 235 |
| Average earning assets | $5,535,778,333 | 226 |
| Average equity | $563,144,667 | 247 |
| Average total loans | $4,329,654,667 | 213 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2839% | 3,491 |
| Cost of funding earning assets | 0.5341% | 1,186 |
| Net interest margin | 2.7497% | 3,868 |
| Noninterest income to average assets | 1.9638% | 389 |
| Noninterest expense to average assets | 2.6617% | 1,711 |
| Loan and lease loss provision to assets | 0.2066% | 584 |
| Net operating income to assets | 1.2989% | 1,833 |
| Return on assets (ROA) | 1.3056% | 1,890 |
| Pretax return on assets | 1.7036% | 1,479 |
| Return on Equity (ROE) | 13.6989% | 1,492 |
| Retained earnings to average equity (ytd only) | 9.2191% | 1,880 |
| Net charge-offs to loans | 0.0312% | 1,175 |
| Credit loss provision to net charge-offs | 890.2077% | 447 |
| Earnings coverage of net charge-offs (x) | 81.9436% | 693 |
| Efficiency ratio | 58.3270% | 3,258 |
| Assets per employee ($millions) | 6.5781% | 2,112 |
| Cash dividends to net income (ytd only)* | 32.7021% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 469 |
| Loan loss allowance to noncurrent loans | 205.4143% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 1,020 |
| Noncurrent loans to loans | 1.0396% | 1,289 |
| Net loans and leases to total assets | 72.1426% | 998 |
| Net loans and leases to deposits | 83.3645% | 1,211 |
| Net loans and leases to core deposits | 93.6807% | 1,004 |
| Total domestic deposits to total assets | 86.5388% | 2,509 |
| Equity capital to assets | 9.6812% | 3,026 |
| Core capital (leverage) ratio | 9.1581% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8464% | 2,348 |
| Memoranda: | ||
| Average total assets | $5,808,457,500 | 240 |
| Average earning assets | $5,491,459,500 | 229 |
| Average equity | $553,591,500 | 248 |
| Average total loans | $4,326,649,500 | 214 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 2,770 |
| Cost of funding earning assets | 0.7743% | 1,325 |
| Net interest margin | 3.2137% | 3,323 |
| Noninterest income to average assets | 1.8520% | 373 |
| Noninterest expense to average assets | 2.9762% | 1,491 |
| Loan and lease loss provision to assets | 0.6427% | 286 |
| Net operating income to assets | 0.9474% | 2,495 |
| Return on assets (ROA) | 1.0847% | 2,105 |
| Pretax return on assets | 1.4172% | 1,602 |
| Return on Equity (ROE) | 11.2802% | 1,533 |
| Retained earnings to average equity (ytd only) | 8.3734% | 952 |
| Net charge-offs to loans | 0.0602% | 1,914 |
| Credit loss provision to net charge-offs | 1,356.8357% | 618 |
| Earnings coverage of net charge-offs (x) | 39.8162% | 1,394 |
| Efficiency ratio | 60.5987% | 3,376 |
| Assets per employee ($millions) | 6.3671% | 2,030 |
| Cash dividends to net income (ytd only)* | 25.7694% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 513 |
| Loan loss allowance to noncurrent loans | 181.9686% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 1,011 |
| Noncurrent loans to loans | 1.1365% | 1,249 |
| Net loans and leases to total assets | 73.7180% | 1,064 |
| Net loans and leases to deposits | 86.2745% | 1,231 |
| Net loans and leases to core deposits | 97.5297% | 1,033 |
| Total domestic deposits to total assets | 85.4459% | 2,594 |
| Equity capital to assets | 9.3776% | 3,718 |
| Core capital (leverage) ratio | 9.6484% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5641% | 2,418 |
| Memoranda: | ||
| Average total assets | $5,203,582,000 | 245 |
| Average earning assets | $4,874,378,600 | 238 |
| Average equity | $500,372,600 | 260 |
| Average total loans | $4,095,956,800 | 218 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 2,643 |
| Cost of funding earning assets | 0.8385% | 1,317 |
| Net interest margin | 3.2766% | 3,255 |
| Noninterest income to average assets | 1.8682% | 350 |
| Noninterest expense to average assets | 2.9775% | 1,494 |
| Loan and lease loss provision to assets | 0.8336% | 207 |
| Net operating income to assets | 0.8516% | 2,903 |
| Return on assets (ROA) | 1.0113% | 2,430 |
| Pretax return on assets | 1.3214% | 1,973 |
| Return on Equity (ROE) | 10.4435% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,575 |
| Net charge-offs to loans | 0.0694% | 1,623 |
| Credit loss provision to net charge-offs | 1,507.4726% | 614 |
| Earnings coverage of net charge-offs (x) | 35.3141% | 1,456 |
| Efficiency ratio | 60.1745% | 3,367 |
| Assets per employee ($millions) | 6.2241% | 2,065 |
| Cash dividends to net income (ytd only)* | 29.9308% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 481 |
| Loan loss allowance to noncurrent loans | 572.3668% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 2,569 |
| Noncurrent loans to loans | 0.3524% | 3,025 |
| Net loans and leases to total assets | 78.8542% | 730 |
| Net loans and leases to deposits | 96.0975% | 752 |
| Net loans and leases to core deposits | 109.8934% | 707 |
| Total domestic deposits to total assets | 82.0565% | 3,408 |
| Equity capital to assets | 9.4614% | 3,712 |
| Core capital (leverage) ratio | 9.5250% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5070% | 2,411 |
| Memoranda: | ||
| Average total assets | $5,065,515,750 | 246 |
| Average earning assets | $4,734,064,750 | 238 |
| Average equity | $490,525,500 | 260 |
| Average total loans | $4,036,770,500 | 220 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,447 |
| Cost of funding earning assets | 0.9172% | 1,291 |
| Net interest margin | 3.3933% | 3,125 |
| Noninterest income to average assets | 1.7849% | 345 |
| Noninterest expense to average assets | 3.0099% | 1,553 |
| Loan and lease loss provision to assets | 0.9892% | 209 |
| Net operating income to assets | 0.7198% | 3,320 |
| Return on assets (ROA) | 0.8297% | 3,058 |
| Pretax return on assets | 1.0923% | 2,729 |
| Return on Equity (ROE) | 8.4969% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.9749% | 2,485 |
| Net charge-offs to loans | 0.0922% | 1,336 |
| Credit loss provision to net charge-offs | 1,351.4649% | 650 |
| Earnings coverage of net charge-offs (x) | 26.5362% | 1,521 |
| Efficiency ratio | 60.6275% | 3,326 |
| Assets per employee ($millions) | 6.2500% | 1,989 |
| Cash dividends to net income (ytd only)* | 41.4513% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 478 |
| Loan loss allowance to noncurrent loans | 380.6098% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 2,160 |
| Noncurrent loans to loans | 0.5113% | 2,619 |
| Net loans and leases to total assets | 75.3068% | 1,229 |
| Net loans and leases to deposits | 93.1655% | 1,032 |
| Net loans and leases to core deposits | 107.1554% | 848 |
| Total domestic deposits to total assets | 80.8312% | 3,649 |
| Equity capital to assets | 8.9392% | 4,141 |
| Core capital (leverage) ratio | 10.0009% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7119% | 2,308 |
| Memoranda: | ||
| Average total assets | $4,942,810,333 | 247 |
| Average earning assets | $4,613,752,000 | 242 |
| Average equity | $482,667,667 | 264 |
| Average total loans | $3,924,746,667 | 222 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 2,423 |
| Cost of funding earning assets | 1.0691% | 1,146 |
| Net interest margin | 3.3909% | 3,321 |
| Noninterest income to average assets | 1.5408% | 376 |
| Noninterest expense to average assets | 3.2311% | 1,364 |
| Loan and lease loss provision to assets | 0.6154% | 447 |
| Net operating income to assets | 0.6499% | 3,448 |
| Return on assets (ROA) | 0.8786% | 2,690 |
| Pretax return on assets | 1.1558% | 2,349 |
| Return on Equity (ROE) | 8.5769% | 2,287 |
| Retained earnings to average equity (ytd only) | 4.0028% | 2,679 |
| Net charge-offs to loans | 0.0784% | 1,239 |
| Credit loss provision to net charge-offs | 969.6644% | 589 |
| Earnings coverage of net charge-offs (x) | 23.3463% | 1,332 |
| Efficiency ratio | 68.4773% | 2,588 |
| Assets per employee ($millions) | 5.6097% | 2,019 |
| Cash dividends to net income (ytd only)* | 53.3307% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 903 |
| Loan loss allowance to noncurrent loans | 274.9208% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 1,995 |
| Noncurrent loans to loans | 0.6119% | 2,456 |
| Net loans and leases to total assets | 79.1441% | 799 |
| Net loans and leases to deposits | 99.4937% | 592 |
| Net loans and leases to core deposits | 116.4350% | 575 |
| Total domestic deposits to total assets | 79.5468% | 3,943 |
| Equity capital to assets | 9.5696% | 4,158 |
| Core capital (leverage) ratio | 10.7620% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4272% | 2,516 |
| Memoranda: | ||
| Average total assets | $4,695,452,000 | 251 |
| Average earning assets | $4,392,369,500 | 244 |
| Average equity | $480,964,500 | 267 |
| Average total loans | $3,799,073,500 | 225 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,890 |
| Cost of funding earning assets | 1.2321% | 941 |
| Net interest margin | 3.6199% | 3,077 |
| Noninterest income to average assets | 1.9538% | 271 |
| Noninterest expense to average assets | 3.2334% | 1,439 |
| Loan and lease loss provision to assets | 0.2134% | 933 |
| Net operating income to assets | 1.4795% | 1,103 |
| Return on assets (ROA) | 1.4822% | 1,154 |
| Pretax return on assets | 1.9251% | 702 |
| Return on Equity (ROE) | 13.4775% | 1,021 |
| Retained earnings to average equity (ytd only) | 11.1503% | 311 |
| Net charge-offs to loans | 0.0862% | 1,888 |
| Credit loss provision to net charge-offs | 302.7613% | 917 |
| Earnings coverage of net charge-offs (x) | 30.2903% | 1,573 |
| Efficiency ratio | 60.0670% | 3,678 |
| Assets per employee ($millions) | 5.4370% | 2,117 |
| Cash dividends to net income (ytd only)* | 17.2667% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,042 |
| Loan loss allowance to noncurrent loans | 302.2063% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 2,028 |
| Noncurrent loans to loans | 0.5203% | 2,621 |
| Net loans and leases to total assets | 80.0621% | 779 |
| Net loans and leases to deposits | 95.6135% | 981 |
| Net loans and leases to core deposits | 110.7890% | 812 |
| Total domestic deposits to total assets | 83.7351% | 2,936 |
| Equity capital to assets | 10.9497% | 3,055 |
| Core capital (leverage) ratio | 11.0086% | 2,496 |
| Tier 1 risk-based capital ratio | 12.6227% | 3,995 |
| Total risk-based capital ratio | 13.8758% | 3,877 |
| Memoranda: | ||
| Average total assets | $4,315,615,800 | 250 |
| Average earning assets | $4,070,961,800 | 243 |
| Average equity | $474,622,000 | 253 |
| Average total loans | $3,527,731,800 | 228 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 1,853 |
| Cost of funding earning assets | 1.2463% | 922 |
| Net interest margin | 3.6408% | 3,126 |
| Noninterest income to average assets | 1.8472% | 301 |
| Noninterest expense to average assets | 3.2133% | 1,442 |
| Loan and lease loss provision to assets | 0.2073% | 850 |
| Net operating income to assets | 1.4402% | 1,353 |
| Return on assets (ROA) | 1.4430% | 1,402 |
| Pretax return on assets | 1.8700% | 934 |
| Return on Equity (ROE) | 13.1050% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.7537% | 572 |
| Net charge-offs to loans | 0.0677% | 1,858 |
| Credit loss provision to net charge-offs | 374.3343% | 812 |
| Earnings coverage of net charge-offs (x) | 37.4409% | 1,427 |
| Efficiency ratio | 60.7762% | 3,511 |
| Assets per employee ($millions) | 5.3557% | 2,166 |
| Cash dividends to net income (ytd only)* | 17.9422% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,005 |
| Loan loss allowance to noncurrent loans | 258.3641% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 1,919 |
| Noncurrent loans to loans | 0.6173% | 2,427 |
| Net loans and leases to total assets | 80.4007% | 795 |
| Net loans and leases to deposits | 101.4386% | 533 |
| Net loans and leases to core deposits | 118.5252% | 575 |
| Total domestic deposits to total assets | 79.2604% | 4,131 |
| Equity capital to assets | 11.0789% | 3,033 |
| Core capital (leverage) ratio | 10.9460% | 2,696 |
| Tier 1 risk-based capital ratio | 12.9066% | 3,903 |
| Total risk-based capital ratio | 14.1602% | 3,794 |
| Memoranda: | ||
| Average total assets | $4,248,677,500 | 255 |
| Average earning assets | $4,014,197,250 | 248 |
| Average equity | $467,810,750 | 259 |
| Average total loans | $3,477,623,500 | 233 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 1,827 |
| Cost of funding earning assets | 1.2619% | 839 |
| Net interest margin | 3.6154% | 3,206 |
| Noninterest income to average assets | 1.7880% | 311 |
| Noninterest expense to average assets | 3.2419% | 1,424 |
| Loan and lease loss provision to assets | 0.2098% | 804 |
| Net operating income to assets | 1.3539% | 1,558 |
| Return on assets (ROA) | 1.3567% | 1,620 |
| Pretax return on assets | 1.7612% | 1,145 |
| Return on Equity (ROE) | 12.3481% | 1,460 |
| Retained earnings to average equity (ytd only) | 9.9639% | 770 |
| Net charge-offs to loans | 0.0769% | 1,596 |
| Credit loss provision to net charge-offs | 332.9554% | 838 |
| Earnings coverage of net charge-offs (x) | 31.2237% | 1,432 |
| Efficiency ratio | 62.2325% | 3,394 |
| Assets per employee ($millions) | 5.1490% | 2,305 |
| Cash dividends to net income (ytd only)* | 19.3084% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,031 |
| Loan loss allowance to noncurrent loans | 240.9649% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,809 |
| Noncurrent loans to loans | 0.6630% | 2,299 |
| Net loans and leases to total assets | 80.6272% | 791 |
| Net loans and leases to deposits | 101.9782% | 540 |
| Net loans and leases to core deposits | 120.8530% | 519 |
| Total domestic deposits to total assets | 79.0632% | 4,205 |
| Equity capital to assets | 11.1236% | 2,928 |
| Core capital (leverage) ratio | 10.9959% | 2,605 |
| Tier 1 risk-based capital ratio | 12.9325% | 3,873 |
| Total risk-based capital ratio | 14.1862% | 3,779 |
| Memoranda: | ||
| Average total assets | $4,199,231,330 | 260 |
| Average earning assets | $3,973,893,670 | 253 |
| Average equity | $461,366,670 | 263 |
| Average total loans | $3,439,321,330 | 235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 1,785 |
| Cost of funding earning assets | 1.2222% | 844 |
| Net interest margin | 3.6214% | 3,174 |
| Noninterest income to average assets | 1.7896% | 286 |
| Noninterest expense to average assets | 3.2693% | 1,350 |
| Loan and lease loss provision to assets | 0.2108% | 743 |
| Net operating income to assets | 1.3355% | 1,578 |
| Return on assets (ROA) | 1.3395% | 1,600 |
| Pretax return on assets | 1.7397% | 1,118 |
| Return on Equity (ROE) | 12.2691% | 1,445 |
| Retained earnings to average equity (ytd only) | 9.8572% | 1,072 |
| Net charge-offs to loans | 0.0630% | 1,411 |
| Credit loss provision to net charge-offs | 408.5343% | 686 |
| Earnings coverage of net charge-offs (x) | 37.6957% | 1,192 |
| Efficiency ratio | 62.6926% | 3,431 |
| Assets per employee ($millions) | 5.1535% | 2,331 |
| Cash dividends to net income (ytd only)* | 19.6583% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,130 |
| Loan loss allowance to noncurrent loans | 218.6265% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 1,927 |
| Noncurrent loans to loans | 0.7181% | 2,224 |
| Net loans and leases to total assets | 80.6865% | 760 |
| Net loans and leases to deposits | 103.3151% | 428 |
| Net loans and leases to core deposits | 123.0514% | 445 |
| Total domestic deposits to total assets | 78.0975% | 4,499 |
| Equity capital to assets | 10.9712% | 2,884 |
| Core capital (leverage) ratio | 10.7536% | 2,800 |
| Tier 1 risk-based capital ratio | 12.7045% | 4,040 |
| Total risk-based capital ratio | 13.9579% | 3,932 |
| Memoranda: | ||
| Average total assets | $4,177,449,500 | 264 |
| Average earning assets | $3,951,044,500 | 255 |
| Average equity | $456,073,500 | 265 |
| Average total loans | $3,420,788,500 | 236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 2,136 |
| Cost of funding earning assets | 1.0578% | 586 |
| Net interest margin | 3.5392% | 3,576 |
| Noninterest income to average assets | 2.1249% | 248 |
| Noninterest expense to average assets | 3.1099% | 1,777 |
| Loan and lease loss provision to assets | 0.2152% | 848 |
| Net operating income to assets | 1.6447% | 783 |
| Return on assets (ROA) | 1.7054% | 677 |
| Pretax return on assets | 2.1992% | 357 |
| Return on Equity (ROE) | 16.2717% | 574 |
| Retained earnings to average equity (ytd only) | 14.1246% | 161 |
| Net charge-offs to loans | 0.0918% | 1,856 |
| Credit loss provision to net charge-offs | 289.8794% | 1,053 |
| Earnings coverage of net charge-offs (x) | 31.4886% | 1,543 |
| Efficiency ratio | 57.0885% | 4,272 |
| Assets per employee ($millions) | 5.1485% | 2,325 |
| Cash dividends to net income (ytd only)* | 13.1951% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,163 |
| Loan loss allowance to noncurrent loans | 230.9806% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 2,009 |
| Noncurrent loans to loans | 0.6691% | 2,320 |
| Net loans and leases to total assets | 80.5353% | 861 |
| Net loans and leases to deposits | 95.7019% | 1,100 |
| Net loans and leases to core deposits | 116.7654% | 661 |
| Total domestic deposits to total assets | 84.1522% | 2,955 |
| Equity capital to assets | 10.8631% | 2,832 |
| Core capital (leverage) ratio | 10.6968% | 2,841 |
| Tier 1 risk-based capital ratio | 12.6305% | 4,057 |
| Total risk-based capital ratio | 13.8836% | 3,938 |
| Memoranda: | ||
| Average total assets | $4,019,552,600 | 267 |
| Average earning assets | $3,773,574,800 | 258 |
| Average equity | $421,270,800 | 274 |
| Average total loans | $3,249,641,600 | 237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 2,282 |
| Cost of funding earning assets | 1.0156% | 558 |
| Net interest margin | 3.4899% | 3,723 |
| Noninterest income to average assets | 2.2705% | 231 |
| Noninterest expense to average assets | 3.0869% | 1,792 |
| Loan and lease loss provision to assets | 0.1962% | 894 |
| Net operating income to assets | 1.7540% | 658 |
| Return on assets (ROA) | 1.8077% | 596 |
| Pretax return on assets | 2.3288% | 322 |
| Return on Equity (ROE) | 17.4131% | 495 |
| Retained earnings to average equity (ytd only) | 15.2387% | 166 |
| Net charge-offs to loans | 0.0646% | 1,910 |
| Credit loss provision to net charge-offs | 377.1208% | 854 |
| Earnings coverage of net charge-offs (x) | 47.2218% | 1,215 |
| Efficiency ratio | 55.6793% | 4,423 |
| Assets per employee ($millions) | 5.1577% | 2,267 |
| Cash dividends to net income (ytd only)* | 12.4873% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,243 |
| Loan loss allowance to noncurrent loans | 223.2342% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 2,082 |
| Noncurrent loans to loans | 0.6872% | 2,359 |
| Net loans and leases to total assets | 80.3062% | 969 |
| Net loans and leases to deposits | 104.6330% | 513 |
| Net loans and leases to core deposits | 123.6288% | 474 |
| Total domestic deposits to total assets | 76.7504% | 4,684 |
| Equity capital to assets | 10.7623% | 2,883 |
| Core capital (leverage) ratio | 10.6511% | 2,936 |
| Tier 1 risk-based capital ratio | 12.3195% | 4,307 |
| Total risk-based capital ratio | 13.5722% | 4,193 |
| Memoranda: | ||
| Average total assets | $3,987,023,500 | 266 |
| Average earning assets | $3,739,792,500 | 257 |
| Average equity | $413,893,000 | 274 |
| Average total loans | $3,213,450,750 | 239 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 2,298 |
| Cost of funding earning assets | 0.9794% | 516 |
| Net interest margin | 3.4565% | 3,779 |
| Noninterest income to average assets | 2.3098% | 229 |
| Noninterest expense to average assets | 3.0607% | 1,884 |
| Loan and lease loss provision to assets | 0.2054% | 826 |
| Net operating income to assets | 1.7664% | 628 |
| Return on assets (ROA) | 1.8226% | 559 |
| Pretax return on assets | 2.3480% | 303 |
| Return on Equity (ROE) | 17.7818% | 440 |
| Retained earnings to average equity (ytd only) | 15.5613% | 175 |
| Net charge-offs to loans | 0.0629% | 1,717 |
| Credit loss provision to net charge-offs | 407.0140% | 809 |
| Earnings coverage of net charge-offs (x) | 49.1794% | 1,137 |
| Efficiency ratio | 55.2172% | 4,564 |
| Assets per employee ($millions) | 5.1604% | 2,233 |
| Cash dividends to net income (ytd only)* | 12.4875% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,302 |
| Loan loss allowance to noncurrent loans | 186.3010% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 1,806 |
| Noncurrent loans to loans | 0.8206% | 2,083 |
| Net loans and leases to total assets | 78.6732% | 1,211 |
| Net loans and leases to deposits | 108.2732% | 343 |
| Net loans and leases to core deposits | 128.7850% | 354 |
| Total domestic deposits to total assets | 72.6617% | 5,137 |
| Equity capital to assets | 10.2745% | 3,364 |
| Core capital (leverage) ratio | 10.3648% | 3,169 |
| Tier 1 risk-based capital ratio | 12.1120% | 4,431 |
| Total risk-based capital ratio | 13.3647% | 4,305 |
| Memoranda: | ||
| Average total assets | $3,954,395,670 | 265 |
| Average earning assets | $3,699,002,670 | 258 |
| Average equity | $405,314,000 | 273 |
| Average total loans | $3,174,087,670 | 236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,545 |
| Cost of funding earning assets | 0.8900% | 628 |
| Net interest margin | 3.4027% | 3,879 |
| Noninterest income to average assets | 2.4336% | 207 |
| Noninterest expense to average assets | 3.0716% | 1,901 |
| Loan and lease loss provision to assets | 0.1703% | 1,042 |
| Net operating income to assets | 1.8520% | 510 |
| Return on assets (ROA) | 1.8935% | 462 |
| Pretax return on assets | 2.4384% | 246 |
| Return on Equity (ROE) | 18.4968% | 361 |
| Retained earnings to average equity (ytd only) | 16.2370% | 234 |
| Net charge-offs to loans | 0.0673% | 1,438 |
| Credit loss provision to net charge-offs | 314.2315% | 789 |
| Earnings coverage of net charge-offs (x) | 47.1765% | 975 |
| Efficiency ratio | 54.5800% | 4,734 |
| Assets per employee ($millions) | 5.0252% | 2,460 |
| Cash dividends to net income (ytd only)* | 12.2170% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,414 |
| Loan loss allowance to noncurrent loans | 218.4429% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 2,110 |
| Noncurrent loans to loans | 0.6931% | 2,479 |
| Net loans and leases to total assets | 79.0275% | 1,077 |
| Net loans and leases to deposits | 105.5980% | 401 |
| Net loans and leases to core deposits | 130.2995% | 338 |
| Total domestic deposits to total assets | 74.8381% | 5,076 |
| Equity capital to assets | 10.2851% | 3,302 |
| Core capital (leverage) ratio | 10.3404% | 3,132 |
| Tier 1 risk-based capital ratio | 12.0338% | 4,527 |
| Total risk-based capital ratio | 13.2864% | 4,415 |
| Memoranda: | ||
| Average total assets | $3,890,652,000 | 267 |
| Average earning assets | $3,652,084,500 | 261 |
| Average equity | $398,274,500 | 279 |
| Average total loans | $3,130,530,500 | 240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,194 |
| Cost of funding earning assets | 0.7018% | 1,006 |
| Net interest margin | 3.3615% | 3,966 |
| Noninterest income to average assets | 1.9922% | 302 |
| Noninterest expense to average assets | 3.2448% | 1,518 |
| Loan and lease loss provision to assets | 0.1493% | 1,518 |
| Net operating income to assets | 1.0836% | 1,918 |
| Return on assets (ROA) | 1.2419% | 1,400 |
| Pretax return on assets | 2.0047% | 485 |
| Return on Equity (ROE) | 12.3148% | 1,126 |
| Retained earnings to average equity (ytd only) | 10.1508% | 333 |
| Net charge-offs to loans | 0.1084% | 1,986 |
| Credit loss provision to net charge-offs | 171.5087% | 1,575 |
| Earnings coverage of net charge-offs (x) | 21.9074% | 1,873 |
| Efficiency ratio | 62.9910% | 3,778 |
| Assets per employee ($millions) | 4.9376% | 2,560 |
| Cash dividends to net income (ytd only)* | 17.5720% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,371 |
| Loan loss allowance to noncurrent loans | 235.3773% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 2,218 |
| Noncurrent loans to loans | 0.6422% | 2,618 |
| Net loans and leases to total assets | 79.4700% | 1,039 |
| Net loans and leases to deposits | 104.8782% | 452 |
| Net loans and leases to core deposits | 128.6827% | 372 |
| Total domestic deposits to total assets | 75.7736% | 4,998 |
| Equity capital to assets | 10.1869% | 3,506 |
| Core capital (leverage) ratio | 10.2930% | 3,079 |
| Tier 1 risk-based capital ratio | 12.0019% | 4,523 |
| Total risk-based capital ratio | 13.2560% | 4,407 |
| Memoranda: | ||
| Average total assets | $3,686,404,600 | 268 |
| Average earning assets | $3,464,453,600 | 262 |
| Average equity | $371,773,600 | 281 |
| Average total loans | $2,960,303,800 | 245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,252 |
| Cost of funding earning assets | 0.6750% | 1,095 |
| Net interest margin | 3.3540% | 3,998 |
| Noninterest income to average assets | 1.8973% | 332 |
| Noninterest expense to average assets | 3.1917% | 1,576 |
| Loan and lease loss provision to assets | 0.1508% | 1,387 |
| Net operating income to assets | 1.0966% | 2,104 |
| Return on assets (ROA) | 1.2940% | 1,390 |
| Pretax return on assets | 2.0194% | 526 |
| Return on Equity (ROE) | 12.8654% | 1,088 |
| Retained earnings to average equity (ytd only) | 10.6857% | 461 |
| Net charge-offs to loans | 0.0922% | 1,865 |
| Credit loss provision to net charge-offs | 204.0040% | 1,328 |
| Earnings coverage of net charge-offs (x) | 25.1858% | 1,741 |
| Efficiency ratio | 63.1588% | 3,683 |
| Assets per employee ($millions) | 4.8202% | 2,673 |
| Cash dividends to net income (ytd only)* | 16.9425% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,351 |
| Loan loss allowance to noncurrent loans | 345.4303% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,852 |
| Noncurrent loans to loans | 0.4499% | 3,352 |
| Net loans and leases to total assets | 79.5344% | 1,052 |
| Net loans and leases to deposits | 106.0476% | 419 |
| Net loans and leases to core deposits | 131.0751% | 324 |
| Total domestic deposits to total assets | 74.9987% | 5,124 |
| Equity capital to assets | 10.2398% | 3,652 |
| Core capital (leverage) ratio | 10.1786% | 3,341 |
| Tier 1 risk-based capital ratio | 12.2697% | 4,456 |
| Total risk-based capital ratio | 13.5246% | 4,348 |
| Memoranda: | ||
| Average total assets | $3,648,879,500 | 267 |
| Average earning assets | $3,433,566,500 | 263 |
| Average equity | $367,011,500 | 284 |
| Average total loans | $2,926,464,000 | 248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,247 |
| Cost of funding earning assets | 0.6361% | 1,221 |
| Net interest margin | 3.3518% | 3,942 |
| Noninterest income to average assets | 1.8393% | 362 |
| Noninterest expense to average assets | 3.1380% | 1,743 |
| Loan and lease loss provision to assets | 0.1517% | 1,328 |
| Net operating income to assets | 1.0913% | 2,018 |
| Return on assets (ROA) | 1.2660% | 1,417 |
| Pretax return on assets | 1.9766% | 552 |
| Return on Equity (ROE) | 12.6652% | 1,123 |
| Retained earnings to average equity (ytd only) | 10.4593% | 513 |
| Net charge-offs to loans | 0.0754% | 1,865 |
| Credit loss provision to net charge-offs | 251.4625% | 1,069 |
| Earnings coverage of net charge-offs (x) | 30.7623% | 1,442 |
| Efficiency ratio | 62.8453% | 3,842 |
| Assets per employee ($millions) | 4.8574% | 2,578 |
| Cash dividends to net income (ytd only)* | 17.4171% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,323 |
| Loan loss allowance to noncurrent loans | 258.7019% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 2,516 |
| Noncurrent loans to loans | 0.6084% | 2,903 |
| Net loans and leases to total assets | 77.9863% | 1,251 |
| Net loans and leases to deposits | 103.4888% | 526 |
| Net loans and leases to core deposits | 127.3152% | 359 |
| Total domestic deposits to total assets | 75.3572% | 5,160 |
| Equity capital to assets | 10.0657% | 3,834 |
| Core capital (leverage) ratio | 10.0545% | 3,471 |
| Tier 1 risk-based capital ratio | 12.0258% | 4,617 |
| Total risk-based capital ratio | 13.2804% | 4,499 |
| Memoranda: | ||
| Average total assets | $3,627,994,670 | 271 |
| Average earning assets | $3,413,927,670 | 266 |
| Average equity | $362,663,670 | 290 |
| Average total loans | $2,902,436,000 | 248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,413 |
| Cost of funding earning assets | 0.5914% | 1,434 |
| Net interest margin | 3.3045% | 3,991 |
| Noninterest income to average assets | 1.9207% | 328 |
| Noninterest expense to average assets | 3.1011% | 1,859 |
| Loan and lease loss provision to assets | 0.1533% | 1,203 |
| Net operating income to assets | 1.1431% | 1,701 |
| Return on assets (ROA) | 1.2926% | 1,293 |
| Pretax return on assets | 2.0182% | 489 |
| Return on Equity (ROE) | 12.9768% | 1,004 |
| Retained earnings to average equity (ytd only) | 8.5040% | 1,274 |
| Net charge-offs to loans | 0.0550% | 1,787 |
| Credit loss provision to net charge-offs | 346.5995% | 717 |
| Earnings coverage of net charge-offs (x) | 43.8287% | 969 |
| Efficiency ratio | 61.5410% | 4,218 |
| Assets per employee ($millions) | 4.7955% | 2,703 |
| Cash dividends to net income (ytd only)* | 34.4679% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,461 |
| Loan loss allowance to noncurrent loans | 463.8144% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 3,325 |
| Noncurrent loans to loans | 0.3381% | 3,889 |
| Net loans and leases to total assets | 79.5877% | 888 |
| Net loans and leases to deposits | 100.9825% | 553 |
| Net loans and leases to core deposits | 124.8528% | 346 |
| Total domestic deposits to total assets | 78.8134% | 4,859 |
| Equity capital to assets | 10.1349% | 3,592 |
| Core capital (leverage) ratio | 9.8785% | 3,650 |
| Tier 1 risk-based capital ratio | 11.8518% | 4,811 |
| Total risk-based capital ratio | 13.1062% | 4,717 |
| Memoranda: | ||
| Average total assets | $3,591,333,000 | 275 |
| Average earning assets | $3,389,075,000 | 269 |
| Average equity | $357,714,500 | 293 |
| Average total loans | $2,887,316,500 | 252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 3,821 |
| Cost of funding earning assets | 0.5453% | 1,741 |
| Net interest margin | 3.2792% | 4,208 |
| Noninterest income to average assets | 1.8312% | 389 |
| Noninterest expense to average assets | 3.0025% | 2,347 |
| Loan and lease loss provision to assets | 0.1442% | 1,736 |
| Net operating income to assets | 1.1377% | 1,738 |
| Return on assets (ROA) | 1.1688% | 1,706 |
| Pretax return on assets | 1.8233% | 754 |
| Return on Equity (ROE) | 12.4274% | 1,135 |
| Retained earnings to average equity (ytd only) | 9.9854% | 409 |
| Net charge-offs to loans | 0.0634% | 2,792 |
| Credit loss provision to net charge-offs | 285.2061% | 1,024 |
| Earnings coverage of net charge-offs (x) | 37.9548% | 1,221 |
| Efficiency ratio | 61.0095% | 4,416 |
| Assets per employee ($millions) | 4.8854% | 2,519 |
| Cash dividends to net income (ytd only)* | 19.6497% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,509 |
| Loan loss allowance to noncurrent loans | 516.0984% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,498 |
| Noncurrent loans to loans | 0.3000% | 4,069 |
| Net loans and leases to total assets | 78.7016% | 1,089 |
| Net loans and leases to deposits | 101.1868% | 588 |
| Net loans and leases to core deposits | 124.1794% | 380 |
| Total domestic deposits to total assets | 77.7785% | 5,005 |
| Equity capital to assets | 9.7865% | 3,956 |
| Core capital (leverage) ratio | 9.7239% | 3,829 |
| Tier 1 risk-based capital ratio | 11.6686% | 4,946 |
| Total risk-based capital ratio | 12.9227% | 4,847 |
| Memoranda: | ||
| Average total assets | $3,503,009,800 | 268 |
| Average earning assets | $3,301,039,400 | 261 |
| Average equity | $329,450,400 | 299 |
| Average total loans | $2,793,659,400 | 240 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 3,894 |
| Cost of funding earning assets | 0.5431% | 1,768 |
| Net interest margin | 3.2663% | 4,288 |
| Noninterest income to average assets | 1.4661% | 559 |
| Noninterest expense to average assets | 2.9698% | 2,400 |
| Loan and lease loss provision to assets | 0.1408% | 1,667 |
| Net operating income to assets | 0.9166% | 2,825 |
| Return on assets (ROA) | 0.9368% | 2,846 |
| Pretax return on assets | 1.4647% | 1,831 |
| Return on Equity (ROE) | 10.0660% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,357 |
| Net charge-offs to loans | 0.0375% | 2,877 |
| Credit loss provision to net charge-offs | 471.1538% | 746 |
| Earnings coverage of net charge-offs (x) | 52.6694% | 1,035 |
| Efficiency ratio | 65.3588% | 3,698 |
| Assets per employee ($millions) | 4.9195% | 2,465 |
| Cash dividends to net income (ytd only)* | 24.5409% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,608 |
| Loan loss allowance to noncurrent loans | 319.3427% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 3,121 |
| Noncurrent loans to loans | 0.4857% | 3,550 |
| Net loans and leases to total assets | 78.7207% | 1,079 |
| Net loans and leases to deposits | 103.1162% | 496 |
| Net loans and leases to core deposits | 127.9061% | 335 |
| Total domestic deposits to total assets | 76.3417% | 5,188 |
| Equity capital to assets | 9.3894% | 4,772 |
| Core capital (leverage) ratio | 9.3611% | 4,377 |
| Tier 1 risk-based capital ratio | 11.1941% | 5,259 |
| Total risk-based capital ratio | 12.4486% | 5,163 |
| Memoranda: | ||
| Average total assets | $3,479,853,000 | 265 |
| Average earning assets | $3,278,968,500 | 258 |
| Average equity | $323,841,500 | 303 |
| Average total loans | $2,773,493,750 | 240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 3,962 |
| Cost of funding earning assets | 0.5386% | 1,787 |
| Net interest margin | 3.2592% | 4,353 |
| Noninterest income to average assets | 1.1438% | 852 |
| Noninterest expense to average assets | 2.9052% | 2,655 |
| Loan and lease loss provision to assets | 0.1332% | 1,721 |
| Net operating income to assets | 0.7505% | 3,547 |
| Return on assets (ROA) | 0.7539% | 3,685 |
| Pretax return on assets | 1.1837% | 2,849 |
| Return on Equity (ROE) | 8.1263% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.6299% | 2,347 |
| Net charge-offs to loans | 0.0249% | 2,985 |
| Credit loss provision to net charge-offs | 672.5146% | 517 |
| Earnings coverage of net charge-offs (x) | 66.2281% | 816 |
| Efficiency ratio | 68.8985% | 3,172 |
| Assets per employee ($millions) | 4.8464% | 2,489 |
| Cash dividends to net income (ytd only)* | 30.7196% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,713 |
| Loan loss allowance to noncurrent loans | 317.1368% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 3,183 |
| Noncurrent loans to loans | 0.4859% | 3,633 |
| Net loans and leases to total assets | 78.2931% | 1,163 |
| Net loans and leases to deposits | 104.4416% | 438 |
| Net loans and leases to core deposits | 128.1674% | 330 |
| Total domestic deposits to total assets | 74.9635% | 5,415 |
| Equity capital to assets | 9.2294% | 5,046 |
| Core capital (leverage) ratio | 9.1337% | 4,680 |
| Tier 1 risk-based capital ratio | 11.0396% | 5,403 |
| Total risk-based capital ratio | 12.2938% | 5,318 |
| Memoranda: | ||
| Average total assets | $3,454,197,000 | 268 |
| Average earning assets | $3,256,768,000 | 260 |
| Average equity | $320,467,000 | 302 |
| Average total loans | $2,749,969,000 | 242 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,044 |
| Cost of funding earning assets | 0.5274% | 1,889 |
| Net interest margin | 3.2474% | 4,406 |
| Noninterest income to average assets | 0.9537% | 1,175 |
| Noninterest expense to average assets | 2.9061% | 2,685 |
| Loan and lease loss provision to assets | 0.1610% | 1,287 |
| Net operating income to assets | 0.6013% | 4,170 |
| Return on assets (ROA) | 0.5994% | 4,293 |
| Pretax return on assets | 0.9461% | 3,671 |
| Return on Equity (ROE) | 6.4430% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.9282% | 3,531 |
| Net charge-offs to loans | 0.0373% | 2,239 |
| Credit loss provision to net charge-offs | 541.7323% | 574 |
| Earnings coverage of net charge-offs (x) | 37.3622% | 1,054 |
| Efficiency ratio | 72.3606% | 2,749 |
| Assets per employee ($millions) | 4.7904% | 2,608 |
| Cash dividends to net income (ytd only)* | 39.0320% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,856 |
| Loan loss allowance to noncurrent loans | 532.2439% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 3,768 |
| Noncurrent loans to loans | 0.2881% | 4,402 |
| Net loans and leases to total assets | 77.9641% | 1,109 |
| Net loans and leases to deposits | 102.3648% | 489 |
| Net loans and leases to core deposits | 125.8258% | 340 |
| Total domestic deposits to total assets | 76.1630% | 5,391 |
| Equity capital to assets | 9.1533% | 5,038 |
| Core capital (leverage) ratio | 9.2115% | 4,586 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,542 |
| Total risk-based capital ratio | 12.1689% | 5,452 |
| Memoranda: | ||
| Average total assets | $3,419,646,500 | 267 |
| Average earning assets | $3,225,025,500 | 262 |
| Average equity | $318,111,500 | 303 |
| Average total loans | $2,724,116,500 | 243 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,591 |
| Cost of funding earning assets | 0.4415% | 2,728 |
| Net interest margin | 3.1886% | 4,665 |
| Noninterest income to average assets | 1.8618% | 397 |
| Noninterest expense to average assets | 3.1133% | 2,191 |
| Loan and lease loss provision to assets | 0.1830% | 1,231 |
| Net operating income to assets | 0.9938% | 2,398 |
| Return on assets (ROA) | 1.0030% | 2,440 |
| Pretax return on assets | 1.5647% | 1,362 |
| Return on Equity (ROE) | 10.4567% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.4917% | 782 |
| Net charge-offs to loans | 0.0566% | 3,088 |
| Credit loss provision to net charge-offs | 402.3304% | 759 |
| Earnings coverage of net charge-offs (x) | 38.0980% | 1,219 |
| Efficiency ratio | 64.2382% | 4,210 |
| Assets per employee ($millions) | 4.5917% | 2,892 |
| Cash dividends to net income (ytd only)* | 18.7920% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,847 |
| Loan loss allowance to noncurrent loans | 434.7432% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 3,529 |
| Noncurrent loans to loans | 0.3528% | 4,200 |
| Net loans and leases to total assets | 78.9332% | 1,001 |
| Net loans and leases to deposits | 101.6598% | 563 |
| Net loans and leases to core deposits | 127.0221% | 315 |
| Total domestic deposits to total assets | 77.6444% | 5,222 |
| Equity capital to assets | 9.4577% | 4,600 |
| Core capital (leverage) ratio | 9.3832% | 4,350 |
| Tier 1 risk-based capital ratio | 11.4192% | 5,303 |
| Total risk-based capital ratio | 12.6730% | 5,199 |
| Memoranda: | ||
| Average total assets | $3,207,046,600 | 267 |
| Average earning assets | $3,002,071,000 | 259 |
| Average equity | $307,631,000 | 297 |
| Average total loans | $2,576,743,600 | 240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,743 |
| Cost of funding earning assets | 0.4312% | 2,889 |
| Net interest margin | 3.1676% | 4,781 |
| Noninterest income to average assets | 1.7584% | 428 |
| Noninterest expense to average assets | 3.0992% | 2,222 |
| Loan and lease loss provision to assets | 0.1865% | 1,104 |
| Net operating income to assets | 0.9221% | 2,848 |
| Return on assets (ROA) | 0.9265% | 2,911 |
| Pretax return on assets | 1.4414% | 1,857 |
| Return on Equity (ROE) | 9.6235% | 2,250 |
| Retained earnings to average equity (ytd only) | 7.6582% | 1,387 |
| Net charge-offs to loans | 0.0475% | 2,941 |
| Credit loss provision to net charge-offs | 487.8988% | 665 |
| Earnings coverage of net charge-offs (x) | 42.4070% | 1,182 |
| Efficiency ratio | 65.6594% | 3,952 |
| Assets per employee ($millions) | 4.5851% | 2,862 |
| Cash dividends to net income (ytd only)* | 20.4221% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 2,051 |
| Loan loss allowance to noncurrent loans | 442.1618% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 3,515 |
| Noncurrent loans to loans | 0.3449% | 4,378 |
| Net loans and leases to total assets | 78.2374% | 1,065 |
| Net loans and leases to deposits | 106.1631% | 360 |
| Net loans and leases to core deposits | 133.6075% | 229 |
| Total domestic deposits to total assets | 73.6955% | 5,737 |
| Equity capital to assets | 9.3329% | 4,965 |
| Core capital (leverage) ratio | 9.4203% | 4,399 |
| Tier 1 risk-based capital ratio | 11.1849% | 5,556 |
| Total risk-based capital ratio | 12.4386% | 5,451 |
| Memoranda: | ||
| Average total assets | $3,170,831,000 | 274 |
| Average earning assets | $2,964,698,250 | 266 |
| Average equity | $305,285,500 | 304 |
| Average total loans | $2,549,183,000 | 243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 4,800 |
| Cost of funding earning assets | 0.4283% | 2,946 |
| Net interest margin | 3.1441% | 4,845 |
| Noninterest income to average assets | 2.0044% | 370 |
| Noninterest expense to average assets | 3.1329% | 2,159 |
| Loan and lease loss provision to assets | 0.1780% | 1,158 |
| Net operating income to assets | 1.0507% | 2,139 |
| Return on assets (ROA) | 1.0575% | 2,219 |
| Pretax return on assets | 1.6406% | 1,220 |
| Return on Equity (ROE) | 10.8656% | 1,724 |
| Retained earnings to average equity (ytd only) | 8.8886% | 963 |
| Net charge-offs to loans | 0.0528% | 2,662 |
| Credit loss provision to net charge-offs | 417.2932% | 721 |
| Earnings coverage of net charge-offs (x) | 42.3880% | 1,089 |
| Efficiency ratio | 63.4079% | 4,444 |
| Assets per employee ($millions) | 4.4028% | 3,135 |
| Cash dividends to net income (ytd only)* | 18.1951% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 2,312 |
| Loan loss allowance to noncurrent loans | 636.3146% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,758 |
| Noncurrent loans to loans | 0.2352% | 4,827 |
| Net loans and leases to total assets | 80.2548% | 770 |
| Net loans and leases to deposits | 103.9353% | 456 |
| Net loans and leases to core deposits | 128.6137% | 296 |
| Total domestic deposits to total assets | 77.2161% | 5,423 |
| Equity capital to assets | 9.7186% | 4,380 |
| Core capital (leverage) ratio | 9.6845% | 4,021 |
| Tier 1 risk-based capital ratio | 11.5352% | 5,440 |
| Total risk-based capital ratio | 12.7890% | 5,362 |
| Memoranda: | ||
| Average total assets | $3,118,182,330 | 276 |
| Average earning assets | $2,912,253,000 | 269 |
| Average equity | $303,489,670 | 306 |
| Average total loans | $2,517,350,000 | 245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,829 |
| Cost of funding earning assets | 0.4285% | 2,986 |
| Net interest margin | 3.1209% | 4,879 |
| Noninterest income to average assets | 1.5499% | 513 |
| Noninterest expense to average assets | 3.1403% | 2,159 |
| Loan and lease loss provision to assets | 0.1850% | 1,029 |
| Net operating income to assets | 0.7302% | 3,644 |
| Return on assets (ROA) | 0.7366% | 3,738 |
| Pretax return on assets | 1.1469% | 2,877 |
| Return on Equity (ROE) | 7.5622% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.5630% | 2,742 |
| Net charge-offs to loans | 0.1007% | 1,714 |
| Credit loss provision to net charge-offs | 228.7319% | 964 |
| Earnings coverage of net charge-offs (x) | 16.3451% | 1,573 |
| Efficiency ratio | 70.3750% | 3,414 |
| Assets per employee ($millions) | 4.3123% | 3,349 |
| Cash dividends to net income (ytd only)* | 26.4364% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,430 |
| Loan loss allowance to noncurrent loans | 580.9237% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 3,450 |
| Noncurrent loans to loans | 0.2588% | 4,857 |
| Net loans and leases to total assets | 78.9238% | 800 |
| Net loans and leases to deposits | 98.6916% | 639 |
| Net loans and leases to core deposits | 122.5165% | 363 |
| Total domestic deposits to total assets | 79.9701% | 5,058 |
| Equity capital to assets | 9.6795% | 4,531 |
| Core capital (leverage) ratio | 9.6105% | 4,132 |
| Tier 1 risk-based capital ratio | 11.0067% | 5,809 |
| Total risk-based capital ratio | 12.2602% | 5,737 |
| Memoranda: | ||
| Average total assets | $3,081,275,000 | 277 |
| Average earning assets | $2,875,345,000 | 269 |
| Average equity | $300,126,000 | 307 |
| Average total loans | $2,475,701,000 | 245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 5,122 |
| Cost of funding earning assets | 0.4710% | 2,971 |
| Net interest margin | 3.1125% | 5,172 |
| Noninterest income to average assets | 1.7397% | 427 |
| Noninterest expense to average assets | 3.4726% | 1,546 |
| Loan and lease loss provision to assets | 0.0854% | 2,765 |
| Net operating income to assets | 0.6977% | 3,902 |
| Return on assets (ROA) | 1.0157% | 2,391 |
| Pretax return on assets | 1.5728% | 1,310 |
| Return on Equity (ROE) | 10.1317% | 2,053 |
| Retained earnings to average equity (ytd only) | -3.8926% | 6,131 |
| Net charge-offs to loans | 0.0398% | 4,026 |
| Credit loss provision to net charge-offs | 269.2725% | 952 |
| Earnings coverage of net charge-offs (x) | 36.8773% | 1,153 |
| Efficiency ratio | 74.8141% | 2,695 |
| Assets per employee ($millions) | 4.2823% | 3,391 |
| Cash dividends to net income (ytd only)* | 138.4201% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 2,459 |
| Loan loss allowance to noncurrent loans | 440.4332% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,264 |
| Noncurrent loans to loans | 0.3411% | 4,632 |
| Net loans and leases to total assets | 79.3602% | 828 |
| Net loans and leases to deposits | 99.5254% | 652 |
| Net loans and leases to core deposits | 122.3052% | 359 |
| Total domestic deposits to total assets | 79.7386% | 5,084 |
| Equity capital to assets | 9.8028% | 4,351 |
| Core capital (leverage) ratio | 9.7005% | 3,968 |
| Tier 1 risk-based capital ratio | 11.6776% | 5,562 |
| Total risk-based capital ratio | 12.9320% | 5,464 |
| Memoranda: | ||
| Average total assets | $2,905,307,000 | 276 |
| Average earning assets | $2,708,722,800 | 269 |
| Average equity | $291,243,800 | 301 |
| Average total loans | $2,316,805,400 | 245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 5,217 |
| Cost of funding earning assets | 0.4791% | 2,967 |
| Net interest margin | 3.0912% | 5,283 |
| Noninterest income to average assets | 1.8533% | 393 |
| Noninterest expense to average assets | 3.4896% | 1,481 |
| Loan and lease loss provision to assets | 0.0631% | 3,095 |
| Net operating income to assets | 0.7619% | 3,616 |
| Return on assets (ROA) | 1.0962% | 2,118 |
| Pretax return on assets | 1.7057% | 1,053 |
| Return on Equity (ROE) | 10.8711% | 1,843 |
| Retained earnings to average equity (ytd only) | -7.9167% | 6,341 |
| Net charge-offs to loans | 0.0104% | 4,373 |
| Credit loss provision to net charge-offs | 764.0449% | 408 |
| Earnings coverage of net charge-offs (x) | 150.8354% | 416 |
| Efficiency ratio | 73.6785% | 2,872 |
| Assets per employee ($millions) | 4.2066% | 3,472 |
| Cash dividends to net income (ytd only)* | 172.8228% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 2,548 |
| Loan loss allowance to noncurrent loans | 486.1871% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 3,576 |
| Noncurrent loans to loans | 0.3167% | 4,958 |
| Net loans and leases to total assets | 77.9909% | 962 |
| Net loans and leases to deposits | 100.7715% | 573 |
| Net loans and leases to core deposits | 124.7491% | 301 |
| Total domestic deposits to total assets | 77.3938% | 5,617 |
| Equity capital to assets | 9.8294% | 4,387 |
| Core capital (leverage) ratio | 9.7539% | 3,990 |
| Tier 1 risk-based capital ratio | 11.9583% | 5,516 |
| Total risk-based capital ratio | 13.2132% | 5,427 |
| Memoranda: | ||
| Average total assets | $2,871,518,250 | 275 |
| Average earning assets | $2,678,000,750 | 268 |
| Average equity | $289,542,250 | 299 |
| Average total loans | $2,283,576,000 | 245 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 5,181 |
| Cost of funding earning assets | 0.4866% | 2,959 |
| Net interest margin | 3.1024% | 5,248 |
| Noninterest income to average assets | 1.7313% | 431 |
| Noninterest expense to average assets | 3.6099% | 1,281 |
| Loan and lease loss provision to assets | 0.0459% | 3,397 |
| Net operating income to assets | 0.6208% | 4,244 |
| Return on assets (ROA) | 1.0854% | 2,050 |
| Pretax return on assets | 1.6904% | 1,036 |
| Return on Equity (ROE) | 10.6697% | 1,857 |
| Retained earnings to average equity (ytd only) | -17.6441% | 6,526 |
| Net charge-offs to loans | 0.0122% | 3,999 |
| Credit loss provision to net charge-offs | 471.0145% | 616 |
| Earnings coverage of net charge-offs (x) | 103.7246% | 542 |
| Efficiency ratio | 78.1302% | 2,274 |
| Assets per employee ($millions) | 4.0103% | 3,817 |
| Cash dividends to net income (ytd only)* | 265.3659% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 2,625 |
| Loan loss allowance to noncurrent loans | 481.2921% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 3,503 |
| Noncurrent loans to loans | 0.3242% | 5,038 |
| Net loans and leases to total assets | 79.0087% | 797 |
| Net loans and leases to deposits | 98.9258% | 610 |
| Net loans and leases to core deposits | 122.3887% | 331 |
| Total domestic deposits to total assets | 79.8666% | 5,274 |
| Equity capital to assets | 9.8549% | 4,286 |
| Core capital (leverage) ratio | 9.8328% | 3,840 |
| Tier 1 risk-based capital ratio | 12.2365% | 5,391 |
| Total risk-based capital ratio | 13.4921% | 5,311 |
| Memoranda: | ||
| Average total assets | $2,833,127,670 | 277 |
| Average earning assets | $2,638,321,000 | 270 |
| Average equity | $288,198,330 | 299 |
| Average total loans | $2,256,175,670 | 244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 5,108 |
| Cost of funding earning assets | 0.4957% | 2,951 |
| Net interest margin | 3.1239% | 5,161 |
| Noninterest income to average assets | 1.7247% | 426 |
| Noninterest expense to average assets | 3.4921% | 1,502 |
| Loan and lease loss provision to assets | 0.0354% | 3,351 |
| Net operating income to assets | 0.7076% | 3,647 |
| Return on assets (ROA) | 1.1036% | 1,857 |
| Pretax return on assets | 1.7215% | 932 |
| Return on Equity (ROE) | 10.6804% | 1,793 |
| Retained earnings to average equity (ytd only) | -45.2866% | 6,663 |
| Net charge-offs to loans | 0.0116% | 3,389 |
| Credit loss provision to net charge-offs | 384.6154% | 669 |
| Earnings coverage of net charge-offs (x) | 123.5385% | 392 |
| Efficiency ratio | 75.4186% | 2,887 |
| Assets per employee ($millions) | 4.0019% | 3,945 |
| Cash dividends to net income (ytd only)* | 524.0175% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 2,763 |
| Loan loss allowance to noncurrent loans | 401.7689% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 3,483 |
| Noncurrent loans to loans | 0.3948% | 4,946 |
| Net loans and leases to total assets | 79.0445% | 655 |
| Net loans and leases to deposits | 93.6172% | 829 |
| Net loans and leases to core deposits | 115.6812% | 416 |
| Total domestic deposits to total assets | 84.4337% | 4,110 |
| Equity capital to assets | 9.8637% | 4,007 |
| Core capital (leverage) ratio | 9.4040% | 4,418 |
| Tier 1 risk-based capital ratio | 12.2855% | 5,452 |
| Total risk-based capital ratio | 13.5411% | 5,385 |
| Memoranda: | ||
| Average total assets | $2,822,010,000 | 275 |
| Average earning assets | $2,624,801,500 | 270 |
| Average equity | $291,600,500 | 295 |
| Average total loans | $2,238,391,500 | 245 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7871% | 4,863 |
| Cost of funding earning assets | 0.5976% | 2,684 |
| Net interest margin | 3.1896% | 5,035 |
| Noninterest income to average assets | 2.2742% | 329 |
| Noninterest expense to average assets | 3.4570% | 1,757 |
| Loan and lease loss provision to assets | 0.0838% | 3,444 |
| Net operating income to assets | 1.0900% | 1,959 |
| Return on assets (ROA) | 1.3075% | 1,271 |
| Pretax return on assets | 2.0302% | 449 |
| Return on Equity (ROE) | 12.4475% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.4320% | 278 |
| Net charge-offs to loans | 0.0511% | 4,503 |
| Credit loss provision to net charge-offs | 215.2194% | 1,074 |
| Earnings coverage of net charge-offs (x) | 45.5630% | 855 |
| Efficiency ratio | 66.0852% | 4,542 |
| Assets per employee ($millions) | 4.0954% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.1251% | 4,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,880 |
| Loan loss allowance to noncurrent loans | 371.8928% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 3,554 |
| Noncurrent loans to loans | 0.4226% | 4,935 |
| Net loans and leases to total assets | 77.1168% | 939 |
| Net loans and leases to deposits | 95.4210% | 774 |
| Net loans and leases to core deposits | 119.2643% | 344 |
| Total domestic deposits to total assets | 80.8174% | 5,233 |
| Equity capital to assets | 10.7891% | 2,832 |
| Core capital (leverage) ratio | 10.4791% | 2,941 |
| Tier 1 risk-based capital ratio | 13.7621% | 4,471 |
| Total risk-based capital ratio | 15.0170% | 4,412 |
| Memoranda: | ||
| Average total assets | $2,750,513,400 | 275 |
| Average earning assets | $2,549,970,800 | 270 |
| Average equity | $288,916,600 | 282 |
| Average total loans | $2,096,644,000 | 248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 4,711 |
| Cost of funding earning assets | 0.6263% | 2,591 |
| Net interest margin | 3.2114% | 4,960 |
| Noninterest income to average assets | 2.3931% | 314 |
| Noninterest expense to average assets | 3.3490% | 1,951 |
| Loan and lease loss provision to assets | 0.1070% | 2,978 |
| Net operating income to assets | 1.2309% | 1,530 |
| Return on assets (ROA) | 1.3748% | 1,206 |
| Pretax return on assets | 2.1351% | 443 |
| Return on Equity (ROE) | 13.1827% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.1827% | 317 |
| Net charge-offs to loans | 0.0091% | 4,967 |
| Credit loss provision to net charge-offs | 1,560.7143% | 205 |
| Earnings coverage of net charge-offs (x) | 294.2246% | 203 |
| Efficiency ratio | 62.4081% | 5,079 |
| Assets per employee ($millions) | 4.1979% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,782 |
| Loan loss allowance to noncurrent loans | 296.6598% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 3,527 |
| Noncurrent loans to loans | 0.5578% | 4,804 |
| Net loans and leases to total assets | 74.4159% | 1,230 |
| Net loans and leases to deposits | 95.3966% | 736 |
| Net loans and leases to core deposits | 119.4161% | 336 |
| Total domestic deposits to total assets | 78.0068% | 5,902 |
| Equity capital to assets | 10.4022% | 3,386 |
| Core capital (leverage) ratio | 10.9856% | 2,499 |
| Tier 1 risk-based capital ratio | 13.6812% | 4,643 |
| Total risk-based capital ratio | 14.9374% | 4,594 |
| Memoranda: | ||
| Average total assets | $2,722,470,750 | 278 |
| Average earning assets | $2,520,542,000 | 272 |
| Average equity | $283,931,000 | 284 |
| Average total loans | $2,060,090,750 | 247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 4,250 |
| Cost of funding earning assets | 0.6599% | 2,405 |
| Net interest margin | 3.3034% | 4,567 |
| Noninterest income to average assets | 2.2431% | 373 |
| Noninterest expense to average assets | 3.3906% | 1,843 |
| Loan and lease loss provision to assets | 0.1112% | 2,952 |
| Net operating income to assets | 1.1598% | 1,701 |
| Return on assets (ROA) | 1.3007% | 1,405 |
| Pretax return on assets | 2.0214% | 580 |
| Return on Equity (ROE) | 12.4597% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.4597% | 434 |
| Net charge-offs to loans | -0.0179% | 5,941 |
| Credit loss provision to net charge-offs | -820.4420% | 5,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9354% | 4,876 |
| Assets per employee ($millions) | 3.8383% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,512 |
| Loan loss allowance to noncurrent loans | 232.0499% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 3,065 |
| Noncurrent loans to loans | 0.7646% | 4,390 |
| Net loans and leases to total assets | 74.5845% | 1,162 |
| Net loans and leases to deposits | 91.9411% | 968 |
| Net loans and leases to core deposits | 110.4611% | 548 |
| Total domestic deposits to total assets | 81.1221% | 5,307 |
| Equity capital to assets | 10.9594% | 2,790 |
| Core capital (leverage) ratio | 10.6191% | 2,744 |
| Tier 1 risk-based capital ratio | 13.6477% | 4,671 |
| Total risk-based capital ratio | 14.9043% | 4,634 |
| Memoranda: | ||
| Average total assets | $2,670,049,000 | 280 |
| Average earning assets | $2,473,354,670 | 274 |
| Average equity | $278,722,670 | 292 |
| Average total loans | $2,020,441,000 | 253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,960 |
| Cost of funding earning assets | 0.6745% | 2,440 |
| Net interest margin | 3.3631% | 4,263 |
| Noninterest income to average assets | 1.9212% | 452 |
| Noninterest expense to average assets | 3.3480% | 1,962 |
| Loan and lease loss provision to assets | 0.1238% | 2,683 |
| Net operating income to assets | 1.0041% | 2,203 |
| Return on assets (ROA) | 1.1214% | 1,886 |
| Pretax return on assets | 1.7456% | 984 |
| Return on Equity (ROE) | 11.0141% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.0141% | 870 |
| Net charge-offs to loans | -0.1404% | 6,576 |
| Credit loss provision to net charge-offs | -116.7370% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5076% | 4,577 |
| Assets per employee ($millions) | 3.8871% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,716 |
| Loan loss allowance to noncurrent loans | 256.7890% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 3,490 |
| Noncurrent loans to loans | 0.6910% | 4,742 |
| Net loans and leases to total assets | 73.0682% | 1,196 |
| Net loans and leases to deposits | 86.3934% | 1,309 |
| Net loans and leases to core deposits | 103.1497% | 758 |
| Total domestic deposits to total assets | 84.5761% | 4,236 |
| Equity capital to assets | 10.3918% | 3,679 |
| Core capital (leverage) ratio | 10.2595% | 3,064 |
| Tier 1 risk-based capital ratio | 13.2384% | 5,049 |
| Total risk-based capital ratio | 14.4965% | 4,996 |
| Memoranda: | ||
| Average total assets | $2,680,861,500 | 283 |
| Average earning assets | $2,481,411,500 | 275 |
| Average equity | $272,958,500 | 300 |
| Average total loans | $2,025,164,000 | 251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 4,537 |
| Cost of funding earning assets | 0.8108% | 2,582 |
| Net interest margin | 3.4022% | 4,875 |
| Noninterest income to average assets | 1.9295% | 460 |
| Noninterest expense to average assets | 3.4814% | 1,859 |
| Loan and lease loss provision to assets | 0.2585% | 2,582 |
| Net operating income to assets | 0.8756% | 2,929 |
| Return on assets (ROA) | 1.0995% | 2,124 |
| Pretax return on assets | 1.7079% | 1,119 |
| Return on Equity (ROE) | 10.6528% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.0404% | 2,056 |
| Net charge-offs to loans | 0.1301% | 4,376 |
| Credit loss provision to net charge-offs | 255.1092% | 942 |
| Earnings coverage of net charge-offs (x) | 15.9524% | 1,615 |
| Efficiency ratio | 68.2896% | 4,089 |
| Assets per employee ($millions) | 3.9761% | 3,998 |
| Cash dividends to net income (ytd only)* | 43.2977% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 3,078 |
| Loan loss allowance to noncurrent loans | 205.7589% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 3,366 |
| Noncurrent loans to loans | 0.8078% | 4,572 |
| Net loans and leases to total assets | 75.4313% | 999 |
| Net loans and leases to deposits | 92.3234% | 890 |
| Net loans and leases to core deposits | 111.6804% | 482 |
| Total domestic deposits to total assets | 81.7033% | 5,193 |
| Equity capital to assets | 9.9697% | 4,210 |
| Core capital (leverage) ratio | 10.0861% | 3,292 |
| Tier 1 risk-based capital ratio | 12.7746% | 5,271 |
| Total risk-based capital ratio | 14.0323% | 5,205 |
| Memoranda: | ||
| Average total assets | $2,530,137,200 | 286 |
| Average earning assets | $2,356,307,200 | 277 |
| Average equity | $261,142,000 | 306 |
| Average total loans | $1,970,381,600 | 251 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 4,614 |
| Cost of funding earning assets | 0.8319% | 2,692 |
| Net interest margin | 3.4273% | 4,935 |
| Noninterest income to average assets | 1.8512% | 470 |
| Noninterest expense to average assets | 3.5595% | 1,633 |
| Loan and lease loss provision to assets | 0.2664% | 2,445 |
| Net operating income to assets | 0.7925% | 3,489 |
| Return on assets (ROA) | 1.0940% | 2,309 |
| Pretax return on assets | 1.6961% | 1,279 |
| Return on Equity (ROE) | 10.5035% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.9647% | 1,242 |
| Net charge-offs to loans | 0.0729% | 4,680 |
| Credit loss provision to net charge-offs | 467.3852% | 571 |
| Earnings coverage of net charge-offs (x) | 26.1659% | 1,222 |
| Efficiency ratio | 70.4708% | 3,601 |
| Assets per employee ($millions) | 3.6910% | 4,564 |
| Cash dividends to net income (ytd only)* | 14.6506% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 3,029 |
| Loan loss allowance to noncurrent loans | 185.6635% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 3,406 |
| Noncurrent loans to loans | 0.9337% | 4,566 |
| Net loans and leases to total assets | 76.1248% | 957 |
| Net loans and leases to deposits | 92.8356% | 892 |
| Net loans and leases to core deposits | 113.0175% | 461 |
| Total domestic deposits to total assets | 81.9996% | 5,028 |
| Equity capital to assets | 10.6194% | 3,706 |
| Core capital (leverage) ratio | 10.4080% | 3,029 |
| Tier 1 risk-based capital ratio | 13.4409% | 4,915 |
| Total risk-based capital ratio | 14.7006% | 4,873 |
| Memoranda: | ||
| Average total assets | $2,495,685,500 | 291 |
| Average earning assets | $2,330,111,000 | 279 |
| Average equity | $259,931,250 | 305 |
| Average total loans | $1,951,357,500 | 253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 4,459 |
| Cost of funding earning assets | 0.8472% | 2,817 |
| Net interest margin | 3.4820% | 4,753 |
| Noninterest income to average assets | 1.8328% | 459 |
| Noninterest expense to average assets | 3.5885% | 1,606 |
| Loan and lease loss provision to assets | 0.2807% | 2,336 |
| Net operating income to assets | 0.7834% | 3,457 |
| Return on assets (ROA) | 1.1100% | 2,225 |
| Pretax return on assets | 1.7293% | 1,185 |
| Return on Equity (ROE) | 10.7291% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.5621% | 1,100 |
| Net charge-offs to loans | 0.0746% | 4,401 |
| Credit loss provision to net charge-offs | 479.7799% | 629 |
| Earnings coverage of net charge-offs (x) | 25.6286% | 1,192 |
| Efficiency ratio | 70.5264% | 3,679 |
| Assets per employee ($millions) | 3.7224% | 4,477 |
| Cash dividends to net income (ytd only)* | 10.8767% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,240 |
| Loan loss allowance to noncurrent loans | 210.1294% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,764 |
| Noncurrent loans to loans | 0.8074% | 4,892 |
| Net loans and leases to total assets | 76.5363% | 903 |
| Net loans and leases to deposits | 91.8453% | 968 |
| Net loans and leases to core deposits | 111.6013% | 517 |
| Total domestic deposits to total assets | 83.3318% | 4,611 |
| Equity capital to assets | 10.6006% | 3,567 |
| Core capital (leverage) ratio | 10.2511% | 3,094 |
| Tier 1 risk-based capital ratio | 13.4661% | 4,857 |
| Total risk-based capital ratio | 14.7253% | 4,805 |
| Memoranda: | ||
| Average total assets | $2,484,793,330 | 290 |
| Average earning assets | $2,323,075,000 | 278 |
| Average equity | $257,076,330 | 306 |
| Average total loans | $1,948,921,000 | 252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 4,550 |
| Cost of funding earning assets | 0.8778% | 2,848 |
| Net interest margin | 3.4646% | 4,849 |
| Noninterest income to average assets | 1.9361% | 433 |
| Noninterest expense to average assets | 3.6261% | 1,505 |
| Loan and lease loss provision to assets | 0.2900% | 2,146 |
| Net operating income to assets | 0.8112% | 3,328 |
| Return on assets (ROA) | 1.1913% | 1,947 |
| Pretax return on assets | 1.8541% | 965 |
| Return on Equity (ROE) | 11.6576% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.6576% | 892 |
| Net charge-offs to loans | 0.0409% | 4,125 |
| Credit loss provision to net charge-offs | 901.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 48.1700% | 655 |
| Efficiency ratio | 70.0510% | 3,797 |
| Assets per employee ($millions) | 3.8014% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,664 |
| Loan loss allowance to noncurrent loans | 123.6439% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 3,699 |
| Noncurrent loans to loans | 1.3070% | 4,158 |
| Net loans and leases to total assets | 77.3583% | 654 |
| Net loans and leases to deposits | 92.0748% | 794 |
| Net loans and leases to core deposits | 112.5546% | 456 |
| Total domestic deposits to total assets | 84.0167% | 4,481 |
| Equity capital to assets | 10.3851% | 3,631 |
| Core capital (leverage) ratio | 10.1221% | 3,214 |
| Tier 1 risk-based capital ratio | 13.3377% | 4,945 |
| Total risk-based capital ratio | 14.5963% | 4,930 |
| Memoranda: | ||
| Average total assets | $2,485,764,500 | 288 |
| Average earning assets | $2,324,775,500 | 277 |
| Average equity | $254,015,500 | 303 |
| Average total loans | $1,956,842,000 | 249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 5,185 |
| Cost of funding earning assets | 1.0143% | 3,269 |
| Net interest margin | 3.4545% | 5,309 |
| Noninterest income to average assets | 1.9397% | 394 |
| Noninterest expense to average assets | 3.4661% | 2,074 |
| Loan and lease loss provision to assets | 0.3573% | 2,865 |
| Net operating income to assets | 0.8717% | 2,731 |
| Return on assets (ROA) | 1.0816% | 2,021 |
| Pretax return on assets | 1.6817% | 1,027 |
| Return on Equity (ROE) | 11.0112% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.3667% | 498 |
| Net charge-offs to loans | 0.2272% | 4,366 |
| Credit loss provision to net charge-offs | 198.5880% | 1,275 |
| Earnings coverage of net charge-offs (x) | 9.5104% | 1,967 |
| Efficiency ratio | 66.9490% | 4,585 |
| Assets per employee ($millions) | 3.7945% | 4,329 |
| Cash dividends to net income (ytd only)* | 5.8532% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,848 |
| Loan loss allowance to noncurrent loans | 111.7244% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 3,702 |
| Noncurrent loans to loans | 1.3745% | 4,081 |
| Net loans and leases to total assets | 77.6050% | 755 |
| Net loans and leases to deposits | 91.0194% | 1,052 |
| Net loans and leases to core deposits | 115.5874% | 454 |
| Total domestic deposits to total assets | 85.2620% | 3,716 |
| Equity capital to assets | 10.0520% | 4,104 |
| Core capital (leverage) ratio | 9.8596% | 3,507 |
| Tier 1 risk-based capital ratio | 12.8221% | 5,226 |
| Total risk-based capital ratio | 14.0791% | 5,195 |
| Memoranda: | ||
| Average total assets | $2,440,504,800 | 286 |
| Average earning assets | $2,287,212,800 | 275 |
| Average equity | $239,719,600 | 304 |
| Average total loans | $1,932,885,800 | 240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 5,347 |
| Cost of funding earning assets | 1.0327% | 3,447 |
| Net interest margin | 3.4366% | 5,437 |
| Noninterest income to average assets | 1.9442% | 399 |
| Noninterest expense to average assets | 3.4790% | 1,996 |
| Loan and lease loss provision to assets | 0.4055% | 2,427 |
| Net operating income to assets | 0.8218% | 3,055 |
| Return on assets (ROA) | 1.0794% | 2,189 |
| Pretax return on assets | 1.6879% | 1,167 |
| Return on Equity (ROE) | 11.0553% | 1,845 |
| Retained earnings to average equity (ytd only) | 11.0553% | 622 |
| Net charge-offs to loans | 0.2418% | 3,912 |
| Credit loss provision to net charge-offs | 211.4735% | 1,375 |
| Earnings coverage of net charge-offs (x) | 8.8177% | 2,120 |
| Efficiency ratio | 67.2949% | 4,467 |
| Assets per employee ($millions) | 3.7197% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,937 |
| Loan loss allowance to noncurrent loans | 132.8070% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 4,151 |
| Noncurrent loans to loans | 1.1558% | 4,609 |
| Net loans and leases to total assets | 77.3497% | 793 |
| Net loans and leases to deposits | 93.1176% | 910 |
| Net loans and leases to core deposits | 123.2099% | 321 |
| Total domestic deposits to total assets | 83.0666% | 4,653 |
| Equity capital to assets | 9.9888% | 4,356 |
| Core capital (leverage) ratio | 9.7381% | 3,793 |
| Tier 1 risk-based capital ratio | 12.7252% | 5,313 |
| Total risk-based capital ratio | 14.0430% | 5,237 |
| Memoranda: | ||
| Average total assets | $2,430,228,250 | 287 |
| Average earning assets | $2,280,994,250 | 275 |
| Average equity | $237,286,750 | 311 |
| Average total loans | $1,927,135,000 | 241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 5,438 |
| Cost of funding earning assets | 1.0542% | 3,573 |
| Net interest margin | 3.4190% | 5,484 |
| Noninterest income to average assets | 1.9381% | 379 |
| Noninterest expense to average assets | 3.3389% | 2,434 |
| Loan and lease loss provision to assets | 0.4232% | 2,318 |
| Net operating income to assets | 0.8839% | 2,719 |
| Return on assets (ROA) | 0.9752% | 2,435 |
| Pretax return on assets | 1.5291% | 1,441 |
| Return on Equity (ROE) | 10.0656% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.0656% | 827 |
| Net charge-offs to loans | 0.3313% | 3,237 |
| Credit loss provision to net charge-offs | 160.5576% | 1,891 |
| Earnings coverage of net charge-offs (x) | 6.8659% | 2,322 |
| Efficiency ratio | 64.8500% | 5,084 |
| Assets per employee ($millions) | 3.6733% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,380 |
| Loan loss allowance to noncurrent loans | 124.1912% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 4,156 |
| Noncurrent loans to loans | 1.1618% | 4,715 |
| Net loans and leases to total assets | 77.5265% | 841 |
| Net loans and leases to deposits | 92.8075% | 973 |
| Net loans and leases to core deposits | 121.0684% | 393 |
| Total domestic deposits to total assets | 83.5347% | 4,539 |
| Equity capital to assets | 9.9712% | 4,193 |
| Core capital (leverage) ratio | 9.6207% | 3,781 |
| Tier 1 risk-based capital ratio | 12.3249% | 5,498 |
| Total risk-based capital ratio | 13.7191% | 5,353 |
| Memoranda: | ||
| Average total assets | $2,421,966,330 | 291 |
| Average earning assets | $2,274,325,670 | 279 |
| Average equity | $234,640,330 | 315 |
| Average total loans | $1,926,663,670 | 244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 5,460 |
| Cost of funding earning assets | 1.0844% | 3,629 |
| Net interest margin | 3.3828% | 5,496 |
| Noninterest income to average assets | 1.8953% | 390 |
| Noninterest expense to average assets | 3.2974% | 2,563 |
| Loan and lease loss provision to assets | 0.4114% | 2,133 |
| Net operating income to assets | 0.8670% | 2,716 |
| Return on assets (ROA) | 0.8877% | 2,694 |
| Pretax return on assets | 1.3946% | 1,740 |
| Return on Equity (ROE) | 9.2998% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.2998% | 1,292 |
| Net charge-offs to loans | 0.2621% | 3,021 |
| Credit loss provision to net charge-offs | 196.2085% | 1,510 |
| Earnings coverage of net charge-offs (x) | 8.4597% | 1,822 |
| Efficiency ratio | 65.0229% | 5,185 |
| Assets per employee ($millions) | 3.5726% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 4,516 |
| Loan loss allowance to noncurrent loans | 115.0297% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3679% | 4,240 |
| Noncurrent loans to loans | 1.2447% | 4,609 |
| Net loans and leases to total assets | 77.9060% | 737 |
| Net loans and leases to deposits | 92.3177% | 989 |
| Net loans and leases to core deposits | 111.8472% | 665 |
| Total domestic deposits to total assets | 84.3890% | 4,330 |
| Equity capital to assets | 9.7712% | 4,071 |
| Core capital (leverage) ratio | 9.1774% | 4,328 |
| Tier 1 risk-based capital ratio | 12.2365% | 5,488 |
| Total risk-based capital ratio | 13.7217% | 5,267 |
| Memoranda: | ||
| Average total assets | $2,415,254,500 | 294 |
| Average earning assets | $2,267,440,000 | 281 |
| Average equity | $230,541,500 | 312 |
| Average total loans | $1,932,139,500 | 243 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 6,377 |
| Cost of funding earning assets | 1.2606% | 4,143 |
| Net interest margin | 3.2492% | 6,135 |
| Noninterest income to average assets | 2.4519% | 287 |
| Noninterest expense to average assets | 3.6263% | 1,863 |
| Loan and lease loss provision to assets | 0.5986% | 2,743 |
| Net operating income to assets | 0.7955% | 2,822 |
| Return on assets (ROA) | 0.8003% | 2,933 |
| Pretax return on assets | 1.2578% | 2,056 |
| Return on Equity (ROE) | 9.0957% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.0750% | 682 |
| Net charge-offs to loans | 0.5835% | 3,292 |
| Credit loss provision to net charge-offs | 125.3005% | 3,257 |
| Earnings coverage of net charge-offs (x) | 3.8706% | 3,153 |
| Efficiency ratio | 66.2300% | 4,929 |
| Assets per employee ($millions) | 3.5888% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.2274% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 5,026 |
| Loan loss allowance to noncurrent loans | 94.1409% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.4820% | 4,092 |
| Noncurrent loans to loans | 1.3766% | 4,422 |
| Net loans and leases to total assets | 79.8802% | 677 |
| Net loans and leases to deposits | 92.5183% | 1,201 |
| Net loans and leases to core deposits | 122.8440% | 452 |
| Total domestic deposits to total assets | 86.3399% | 3,173 |
| Equity capital to assets | 9.3259% | 4,654 |
| Core capital (leverage) ratio | 8.7925% | 4,868 |
| Tier 1 risk-based capital ratio | 12.3995% | 5,111 |
| Total risk-based capital ratio | 13.9791% | 4,811 |
| Memoranda: | ||
| Average total assets | $2,473,076,800 | 291 |
| Average earning assets | $2,301,183,000 | 279 |
| Average equity | $217,586,800 | 325 |
| Average total loans | $2,024,719,000 | 240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 6,548 |
| Cost of funding earning assets | 1.2939% | 4,257 |
| Net interest margin | 3.2306% | 6,248 |
| Noninterest income to average assets | 2.2982% | 310 |
| Noninterest expense to average assets | 3.5132% | 2,009 |
| Loan and lease loss provision to assets | 0.6941% | 2,208 |
| Net operating income to assets | 0.6883% | 3,472 |
| Return on assets (ROA) | 0.6978% | 3,581 |
| Pretax return on assets | 1.1045% | 2,810 |
| Return on Equity (ROE) | 8.0500% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.0500% | 1,404 |
| Net charge-offs to loans | 0.6804% | 2,723 |
| Credit loss provision to net charge-offs | 124.2465% | 3,299 |
| Earnings coverage of net charge-offs (x) | 3.1932% | 3,548 |
| Efficiency ratio | 66.3241% | 4,794 |
| Assets per employee ($millions) | 3.6100% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,245 |
| Loan loss allowance to noncurrent loans | 77.6380% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 3,872 |
| Noncurrent loans to loans | 1.6078% | 4,229 |
| Net loans and leases to total assets | 81.4506% | 564 |
| Net loans and leases to deposits | 94.3848% | 1,160 |
| Net loans and leases to core deposits | 126.3760% | 444 |
| Total domestic deposits to total assets | 86.2963% | 2,918 |
| Equity capital to assets | 9.0602% | 5,496 |
| Core capital (leverage) ratio | 8.6334% | 5,293 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,620 |
| Total risk-based capital ratio | 13.4826% | 5,204 |
| Memoranda: | ||
| Average total assets | $2,478,561,500 | 285 |
| Average earning assets | $2,300,783,750 | 275 |
| Average equity | $214,835,750 | 324 |
| Average total loans | $2,034,978,250 | 236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 6,704 |
| Cost of funding earning assets | 1.3206% | 4,408 |
| Net interest margin | 3.1832% | 6,370 |
| Noninterest income to average assets | 2.2102% | 307 |
| Noninterest expense to average assets | 3.4194% | 2,216 |
| Loan and lease loss provision to assets | 0.8404% | 1,730 |
| Net operating income to assets | 0.5639% | 4,021 |
| Return on assets (ROA) | 0.5779% | 4,104 |
| Pretax return on assets | 0.9200% | 3,419 |
| Return on Equity (ROE) | 6.7677% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.7677% | 1,942 |
| Net charge-offs to loans | 0.9750% | 1,899 |
| Credit loss provision to net charge-offs | 105.1398% | 3,875 |
| Earnings coverage of net charge-offs (x) | 2.1750% | 3,929 |
| Efficiency ratio | 66.2947% | 4,929 |
| Assets per employee ($millions) | 3.5660% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,724 |
| Loan loss allowance to noncurrent loans | 135.2763% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 4,876 |
| Noncurrent loans to loans | 0.8451% | 5,582 |
| Net loans and leases to total assets | 83.0893% | 428 |
| Net loans and leases to deposits | 96.2063% | 1,028 |
| Net loans and leases to core deposits | 119.6746% | 706 |
| Total domestic deposits to total assets | 86.3658% | 2,888 |
| Equity capital to assets | 8.9489% | 5,523 |
| Core capital (leverage) ratio | 8.3438% | 5,682 |
| Tier 1 risk-based capital ratio | 11.4021% | 5,862 |
| Total risk-based capital ratio | 13.1404% | 5,382 |
| Memoranda: | ||
| Average total assets | $2,487,689,670 | 285 |
| Average earning assets | $2,303,576,000 | 273 |
| Average equity | $212,420,330 | 328 |
| Average total loans | $2,039,392,670 | 235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 6,945 |
| Cost of funding earning assets | 1.3492% | 4,503 |
| Net interest margin | 3.0784% | 6,648 |
| Noninterest income to average assets | 2.1344% | 314 |
| Noninterest expense to average assets | 3.3341% | 2,416 |
| Loan and lease loss provision to assets | 0.9000% | 1,414 |
| Net operating income to assets | 0.4631% | 4,559 |
| Return on assets (ROA) | 0.4912% | 4,569 |
| Pretax return on assets | 0.7862% | 3,928 |
| Return on Equity (ROE) | 5.8883% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.8883% | 2,672 |
| Net charge-offs to loans | 1.0760% | 1,553 |
| Credit loss provision to net charge-offs | 103.2751% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.8845% | 3,602 |
| Efficiency ratio | 66.9991% | 4,922 |
| Assets per employee ($millions) | 3.6172% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,792 |
| Loan loss allowance to noncurrent loans | 95.2577% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 4,537 |
| Noncurrent loans to loans | 1.2044% | 4,952 |
| Net loans and leases to total assets | 79.8596% | 860 |
| Net loans and leases to deposits | 91.8436% | 1,631 |
| Net loans and leases to core deposits | 127.6934% | 545 |
| Total domestic deposits to total assets | 86.9518% | 2,652 |
| Equity capital to assets | 8.5780% | 5,901 |
| Core capital (leverage) ratio | 8.0135% | 6,219 |
| Tier 1 risk-based capital ratio | 11.2351% | 5,917 |
| Total risk-based capital ratio | 13.0463% | 5,341 |
| Memoranda: | ||
| Average total assets | $2,522,664,500 | 291 |
| Average earning assets | $2,328,857,000 | 283 |
| Average equity | $210,449,500 | 333 |
| Average total loans | $2,043,031,500 | 245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 7,121 |
| Cost of funding earning assets | 1.6987% | 4,520 |
| Net interest margin | 3.0131% | 6,613 |
| Noninterest income to average assets | 2.3676% | 297 |
| Noninterest expense to average assets | 3.4123% | 2,636 |
| Loan and lease loss provision to assets | 0.5810% | 3,476 |
| Net operating income to assets | 0.7462% | 2,739 |
| Return on assets (ROA) | 0.7448% | 2,835 |
| Pretax return on assets | 1.1770% | 2,015 |
| Return on Equity (ROE) | 9.2331% | 1,945 |
| Retained earnings to average equity (ytd only) | 6.9829% | 964 |
| Net charge-offs to loans | 0.4679% | 3,908 |
| Credit loss provision to net charge-offs | 149.0268% | 3,124 |
| Earnings coverage of net charge-offs (x) | 4.5148% | 2,920 |
| Efficiency ratio | 65.9707% | 5,397 |
| Assets per employee ($millions) | 3.6994% | 4,520 |
| Cash dividends to net income (ytd only)* | 24.3713% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,959 |
| Loan loss allowance to noncurrent loans | 162.3669% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 5,398 |
| Noncurrent loans to loans | 0.6695% | 5,897 |
| Net loans and leases to total assets | 80.2970% | 941 |
| Net loans and leases to deposits | 91.6364% | 1,940 |
| Net loans and leases to core deposits | 107.9939% | 3,103 |
| Total domestic deposits to total assets | 87.6257% | 2,158 |
| Equity capital to assets | 8.1162% | 6,443 |
| Core capital (leverage) ratio | 7.7383% | 6,519 |
| Tier 1 risk-based capital ratio | 10.7783% | 6,131 |
| Total risk-based capital ratio | 12.6617% | 5,458 |
| Memoranda: | ||
| Average total assets | $2,503,933,800 | 296 |
| Average earning assets | $2,330,910,000 | 291 |
| Average equity | $201,979,000 | 348 |
| Average total loans | $2,086,402,000 | 252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 7,227 |
| Cost of funding earning assets | 1.7563% | 4,611 |
| Net interest margin | 2.9797% | 6,658 |
| Noninterest income to average assets | 2.3891% | 285 |
| Noninterest expense to average assets | 3.4153% | 2,530 |
| Loan and lease loss provision to assets | 0.4182% | 3,815 |
| Net operating income to assets | 0.8515% | 2,609 |
| Return on assets (ROA) | 0.8496% | 2,687 |
| Pretax return on assets | 1.3402% | 1,848 |
| Return on Equity (ROE) | 10.5496% | 1,748 |
| Retained earnings to average equity (ytd only) | 7.5531% | 1,291 |
| Net charge-offs to loans | 0.1775% | 4,975 |
| Credit loss provision to net charge-offs | 280.9078% | 1,501 |
| Earnings coverage of net charge-offs (x) | 11.8314% | 1,817 |
| Efficiency ratio | 65.9750% | 5,367 |
| Assets per employee ($millions) | 3.6320% | 4,602 |
| Cash dividends to net income (ytd only)* | 28.4037% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,750 |
| Loan loss allowance to noncurrent loans | 119.4329% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 5,117 |
| Noncurrent loans to loans | 0.9181% | 5,453 |
| Net loans and leases to total assets | 82.2628% | 768 |
| Net loans and leases to deposits | 99.0221% | 1,210 |
| Net loans and leases to core deposits | 117.0913% | 2,518 |
| Total domestic deposits to total assets | 83.0751% | 4,185 |
| Equity capital to assets | 8.2027% | 6,637 |
| Core capital (leverage) ratio | 7.6781% | 6,759 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,444 |
| Total risk-based capital ratio | 12.4831% | 5,661 |
| Memoranda: | ||
| Average total assets | $2,486,217,000 | 308 |
| Average earning assets | $2,325,857,000 | 302 |
| Average equity | $200,229,500 | 363 |
| Average total loans | $2,085,450,250 | 263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 7,345 |
| Cost of funding earning assets | 1.8166% | 4,676 |
| Net interest margin | 2.9175% | 6,761 |
| Noninterest income to average assets | 2.3905% | 283 |
| Noninterest expense to average assets | 3.4261% | 2,549 |
| Loan and lease loss provision to assets | 0.3792% | 3,655 |
| Net operating income to assets | 0.8351% | 2,723 |
| Return on assets (ROA) | 0.8330% | 2,815 |
| Pretax return on assets | 1.3159% | 1,971 |
| Return on Equity (ROE) | 10.4091% | 1,883 |
| Retained earnings to average equity (ytd only) | 7.3812% | 1,438 |
| Net charge-offs to loans | 0.1910% | 4,354 |
| Credit loss provision to net charge-offs | 235.9980% | 1,968 |
| Earnings coverage of net charge-offs (x) | 10.5706% | 1,982 |
| Efficiency ratio | 66.8584% | 5,396 |
| Assets per employee ($millions) | 3.5551% | 4,674 |
| Cash dividends to net income (ytd only)* | 29.0895% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,363 |
| Loan loss allowance to noncurrent loans | 165.8070% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 5,641 |
| Noncurrent loans to loans | 0.5924% | 6,070 |
| Net loans and leases to total assets | 83.0067% | 788 |
| Net loans and leases to deposits | 98.3398% | 1,482 |
| Net loans and leases to core deposits | 114.5132% | 2,854 |
| Total domestic deposits to total assets | 84.4080% | 3,552 |
| Equity capital to assets | 8.0642% | 6,674 |
| Core capital (leverage) ratio | 7.5755% | 6,930 |
| Tier 1 risk-based capital ratio | 10.2351% | 6,670 |
| Total risk-based capital ratio | 12.0593% | 6,009 |
| Memoranda: | ||
| Average total assets | $2,475,966,330 | 318 |
| Average earning assets | $2,320,213,670 | 310 |
| Average equity | $198,152,670 | 370 |
| Average total loans | $2,082,772,670 | 273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 7,378 |
| Cost of funding earning assets | 1.8918% | 4,666 |
| Net interest margin | 2.9021% | 6,738 |
| Noninterest income to average assets | 2.1643% | 318 |
| Noninterest expense to average assets | 3.3362% | 2,548 |
| Loan and lease loss provision to assets | 0.4125% | 2,858 |
| Net operating income to assets | 0.7118% | 3,500 |
| Return on assets (ROA) | 0.7095% | 3,704 |
| Pretax return on assets | 1.1276% | 2,881 |
| Return on Equity (ROE) | 8.9004% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,694 |
| Net charge-offs to loans | 0.1838% | 3,531 |
| Credit loss provision to net charge-offs | 266.3169% | 1,782 |
| Earnings coverage of net charge-offs (x) | 9.9654% | 1,995 |
| Efficiency ratio | 68.3655% | 4,900 |
| Assets per employee ($millions) | 3.5437% | 4,717 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,521 |
| Loan loss allowance to noncurrent loans | 195.9048% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 5,655 |
| Noncurrent loans to loans | 0.4830% | 6,221 |
| Net loans and leases to total assets | 82.2507% | 977 |
| Net loans and leases to deposits | 94.7643% | 2,142 |
| Net loans and leases to core deposits | 109.1495% | 3,549 |
| Total domestic deposits to total assets | 86.7950% | 2,315 |
| Equity capital to assets | 7.9648% | 6,862 |
| Core capital (leverage) ratio | 7.4696% | 7,193 |
| Tier 1 risk-based capital ratio | 10.0343% | 6,881 |
| Total risk-based capital ratio | 11.8067% | 6,247 |
| Memoranda: | ||
| Average total assets | $2,460,793,500 | 320 |
| Average earning assets | $2,302,587,000 | 312 |
| Average equity | $196,172,000 | 372 |
| Average total loans | $2,073,637,000 | 273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0456% | 5,321 |
| Cost of funding earning assets | 2.6827% | 3,245 |
| Net interest margin | 3.3629% | 5,808 |
| Noninterest income to average assets | 2.7217% | 230 |
| Noninterest expense to average assets | 4.1238% | 1,238 |
| Loan and lease loss provision to assets | 0.2461% | 4,453 |
| Net operating income to assets | 0.9019% | 2,990 |
| Return on assets (ROA) | 0.9101% | 2,807 |
| Pretax return on assets | 1.4265% | 1,882 |
| Return on Equity (ROE) | 9.4854% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.0719% | 1,498 |
| Net charge-offs to loans | 0.1715% | 4,492 |
| Credit loss provision to net charge-offs | 176.2903% | 2,876 |
| Earnings coverage of net charge-offs (x) | 11.8882% | 2,316 |
| Efficiency ratio | 71.3017% | 4,064 |
| Assets per employee ($millions) | 3.4921% | 4,687 |
| Cash dividends to net income (ytd only)* | 35.9864% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,850 |
| Loan loss allowance to noncurrent loans | 924.3814% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 7,188 |
| Noncurrent loans to loans | 0.0931% | 7,143 |
| Net loans and leases to total assets | 84.7855% | 764 |
| Net loans and leases to deposits | 98.9887% | 1,986 |
| Net loans and leases to core deposits | 114.8938% | 3,247 |
| Total domestic deposits to total assets | 85.6517% | 2,565 |
| Equity capital to assets | 7.9791% | 6,876 |
| Core capital (leverage) ratio | 8.9173% | 4,864 |
| Tier 1 risk-based capital ratio | 9.7308% | 7,045 |
| Total risk-based capital ratio | 11.3974% | 6,442 |
| Memoranda: | ||
| Average total assets | $1,845,759,600 | 388 |
| Average earning assets | $1,680,570,200 | 386 |
| Average equity | $177,093,400 | 408 |
| Average total loans | $1,502,924,600 | 351 |