Home > Univest Bank and Trust Co. > Performance and Condition Ratios
Univest Bank and Trust Co., 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 | 5.3487% | 1,401 |
| Cost of funding earning assets | 2.0521% | 846 |
| Net interest margin | 3.2965% | 2,645 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 2.6114% | 1,970 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.0621% | 2,033 |
| Return on assets (ROA) | 1.0621% | 2,004 |
| Pretax return on assets | 1.3318% | 1,792 |
| Return on Equity (ROE) | 9.7500% | 2,569 |
| Retained earnings to average equity (ytd only) | 7.5147% | 1,698 |
| Net charge-offs to loans | 0.0842% | 1,022 |
| Credit loss provision to net charge-offs | 218.2694% | 1,159 |
| Earnings coverage of net charge-offs (x) | 20.6061% | 1,853 |
| Efficiency ratio | 63.6367% | 2,648 |
| Assets per employee ($millions) | 8.8713% | 1,029 |
| Cash dividends to net income (ytd only)* | 22.9524% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 1,776 |
| Loan loss allowance to noncurrent loans | 405.4271% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,087 |
| Noncurrent loans to loans | 0.3201% | 2,034 |
| Net loans and leases to total assets | 83.6500% | 299 |
| Net loans and leases to deposits | 100.0052% | 538 |
| Net loans and leases to core deposits | 109.3275% | 983 |
| Total domestic deposits to total assets | 83.6500% | 2,720 |
| Equity capital to assets | 11.0312% | 1,462 |
| Core capital (leverage) ratio | 9.4501% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8577% | 2,618 |
| Memoranda: | ||
| Average total assets | $7,541,877,600 | 203 |
| Average earning assets | $6,949,242,400 | 196 |
| Average equity | $821,311,000 | 190 |
| Average total loans | $6,407,108,400 | 169 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 1,396 |
| Cost of funding earning assets | 1.8647% | 907 |
| Net interest margin | 3.3662% | 2,530 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 2.6480% | 1,808 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.0914% | 2,084 |
| Return on assets (ROA) | 1.0914% | 2,065 |
| Pretax return on assets | 1.3676% | 1,850 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,973 |
| Net charge-offs to loans | 0.0906% | 844 |
| Credit loss provision to net charge-offs | 211.7974% | 1,085 |
| Earnings coverage of net charge-offs (x) | 19.8089% | 1,824 |
| Efficiency ratio | 63.1761% | 2,597 |
| Assets per employee ($millions) | 8.9071% | 962 |
| Cash dividends to net income (ytd only)* | 20.6177% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,003 |
| Loan loss allowance to noncurrent loans | 414.6241% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 1,134 |
| Noncurrent loans to loans | 0.3068% | 2,136 |
| Net loans and leases to total assets | 83.3100% | 341 |
| Net loans and leases to deposits | 99.2404% | 550 |
| Net loans and leases to core deposits | 108.6767% | 921 |
| Total domestic deposits to total assets | 83.9500% | 2,790 |
| Equity capital to assets | 10.5632% | 1,528 |
| Core capital (leverage) ratio | 9.4982% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5113% | 2,724 |
| Memoranda: | ||
| Average total assets | $7,486,746,000 | 204 |
| Average earning assets | $6,893,976,250 | 198 |
| Average equity | $812,566,500 | 192 |
| Average total loans | $6,364,172,750 | 171 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 1,356 |
| Cost of funding earning assets | 1.6263% | 1,003 |
| Net interest margin | 3.4831% | 2,304 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 2.6951% | 1,653 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1417% | 1,998 |
| Return on assets (ROA) | 1.1417% | 1,991 |
| Pretax return on assets | 1.4287% | 1,746 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.6945% | 1,766 |
| Net charge-offs to loans | 0.1067% | 652 |
| Credit loss provision to net charge-offs | 210.4651% | 1,028 |
| Earnings coverage of net charge-offs (x) | 17.7466% | 1,786 |
| Efficiency ratio | 62.2649% | 2,684 |
| Assets per employee ($millions) | 8.3987% | 1,138 |
| Cash dividends to net income (ytd only)* | 16.5670% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,044 |
| Loan loss allowance to noncurrent loans | 546.2224% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 1,178 |
| Noncurrent loans to loans | 0.2332% | 2,331 |
| Net loans and leases to total assets | 84.5100% | 242 |
| Net loans and leases to deposits | 104.9354% | 338 |
| Net loans and leases to core deposits | 115.4575% | 638 |
| Total domestic deposits to total assets | 80.5300% | 3,498 |
| Equity capital to assets | 10.8436% | 1,448 |
| Core capital (leverage) ratio | 9.6392% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4314% | 2,777 |
| Memoranda: | ||
| Average total assets | $7,378,497,000 | 200 |
| Average earning assets | $6,786,496,667 | 193 |
| Average equity | $808,373,667 | 187 |
| Average total loans | $6,288,420,000 | 167 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 1,271 |
| Cost of funding earning assets | 1.2949% | 1,236 |
| Net interest margin | 3.6830% | 1,937 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 2.7168% | 1,627 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2788% | 1,729 |
| Return on assets (ROA) | 1.2788% | 1,698 |
| Pretax return on assets | 1.6049% | 1,447 |
| Return on Equity (ROE) | 11.6100% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.6101% | 1,338 |
| Net charge-offs to loans | 0.1837% | 395 |
| Credit loss provision to net charge-offs | 136.2421% | 989 |
| Earnings coverage of net charge-offs (x) | 11.4634% | 1,638 |
| Efficiency ratio | 59.9883% | 2,960 |
| Assets per employee ($millions) | 8.2422% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,121 |
| Loan loss allowance to noncurrent loans | 599.1466% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,163 |
| Noncurrent loans to loans | 0.2139% | 2,405 |
| Net loans and leases to total assets | 83.9500% | 239 |
| Net loans and leases to deposits | 103.5760% | 313 |
| Net loans and leases to core deposits | 107.1512% | 792 |
| Total domestic deposits to total assets | 81.0500% | 3,629 |
| Equity capital to assets | 11.1139% | 1,296 |
| Core capital (leverage) ratio | 9.7659% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6012% | 2,830 |
| Memoranda: | ||
| Average total assets | $7,275,736,500 | 207 |
| Average earning assets | $6,689,184,500 | 200 |
| Average equity | $801,369,000 | 191 |
| Average total loans | $6,186,748,000 | 174 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 1,972 |
| Cost of funding earning assets | 0.4351% | 1,823 |
| Net interest margin | 3.4696% | 2,039 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.6607% | 1,651 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.1947% | 1,795 |
| Return on assets (ROA) | 1.1950% | 1,728 |
| Pretax return on assets | 1.4962% | 1,464 |
| Return on Equity (ROE) | 10.8900% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.8515% | 1,898 |
| Net charge-offs to loans | 0.0686% | 963 |
| Credit loss provision to net charge-offs | 281.7715% | 945 |
| Earnings coverage of net charge-offs (x) | 29.9982% | 1,682 |
| Efficiency ratio | 61.0539% | 2,905 |
| Assets per employee ($millions) | 8.3134% | 1,184 |
| Cash dividends to net income (ytd only)* | 27.8737% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 1,954 |
| Loan loss allowance to noncurrent loans | 555.2713% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,093 |
| Noncurrent loans to loans | 0.2322% | 2,344 |
| Net loans and leases to total assets | 83.9300% | 259 |
| Net loans and leases to deposits | 100.0962% | 434 |
| Net loans and leases to core deposits | 102.7782% | 860 |
| Total domestic deposits to total assets | 83.8500% | 3,239 |
| Equity capital to assets | 10.9128% | 1,294 |
| Core capital (leverage) ratio | 9.7568% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3473% | 2,903 |
| Memoranda: | ||
| Average total assets | $6,995,942,600 | 214 |
| Average earning assets | $6,457,824,600 | 207 |
| Average equity | $767,992,200 | 201 |
| Average total loans | $5,680,733,200 | 176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 2,254 |
| Cost of funding earning assets | 0.2998% | 2,172 |
| Net interest margin | 3.3319% | 2,194 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 2.6450% | 1,611 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1353% | 1,952 |
| Return on assets (ROA) | 1.1358% | 1,921 |
| Pretax return on assets | 1.4203% | 1,660 |
| Return on Equity (ROE) | 10.3300% | 2,628 |
| Retained earnings to average equity (ytd only) | 6.2600% | 2,650 |
| Net charge-offs to loans | 0.0715% | 793 |
| Credit loss provision to net charge-offs | 200.6026% | 976 |
| Earnings coverage of net charge-offs (x) | 27.0218% | 1,572 |
| Efficiency ratio | 62.6445% | 2,746 |
| Assets per employee ($millions) | 7.9595% | 1,349 |
| Cash dividends to net income (ytd only)* | 39.4011% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,134 |
| Loan loss allowance to noncurrent loans | 533.8344% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,132 |
| Noncurrent loans to loans | 0.2396% | 2,424 |
| Net loans and leases to total assets | 83.9000% | 254 |
| Net loans and leases to deposits | 98.5263% | 425 |
| Net loans and leases to core deposits | 100.0731% | 807 |
| Total domestic deposits to total assets | 85.1600% | 3,246 |
| Equity capital to assets | 11.0037% | 1,176 |
| Core capital (leverage) ratio | 9.7419% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3782% | 2,971 |
| Memoranda: | ||
| Average total assets | $6,943,004,750 | 215 |
| Average earning assets | $6,416,113,750 | 209 |
| Average equity | $763,350,250 | 197 |
| Average total loans | $5,568,849,750 | 178 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 2,572 |
| Cost of funding earning assets | 0.2213% | 2,634 |
| Net interest margin | 3.1287% | 2,438 |
| Noninterest income to average assets | 1.1374% | 521 |
| Noninterest expense to average assets | 2.6298% | 1,555 |
| Loan and lease loss provision to assets | 0.0926% | 1,071 |
| Net operating income to assets | 1.0504% | 1,975 |
| Return on assets (ROA) | 1.0511% | 1,939 |
| Pretax return on assets | 1.3116% | 1,705 |
| Return on Equity (ROE) | 9.5629% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.0561% | 2,686 |
| Net charge-offs to loans | 0.0655% | 763 |
| Credit loss provision to net charge-offs | 104.8576% | 1,245 |
| Earnings coverage of net charge-offs (x) | 27.2669% | 1,433 |
| Efficiency ratio | 64.7669% | 2,671 |
| Assets per employee ($millions) | 7.6498% | 1,514 |
| Cash dividends to net income (ytd only)* | 47.1280% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,326 |
| Loan loss allowance to noncurrent loans | 446.1925% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 1,097 |
| Noncurrent loans to loans | 0.2846% | 2,323 |
| Net loans and leases to total assets | 83.7294% | 197 |
| Net loans and leases to deposits | 99.0384% | 307 |
| Net loans and leases to core deposits | 101.0051% | 628 |
| Total domestic deposits to total assets | 84.5424% | 3,578 |
| Equity capital to assets | 11.4321% | 1,050 |
| Core capital (leverage) ratio | 9.2689% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4005% | 2,943 |
| Memoranda: | ||
| Average total assets | $6,959,711,333 | 212 |
| Average earning assets | $6,441,571,667 | 211 |
| Average equity | $764,975,667 | 198 |
| Average total loans | $5,472,351,000 | 178 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1075% | 2,960 |
| Cost of funding earning assets | 0.1949% | 2,866 |
| Net interest margin | 2.9127% | 2,793 |
| Noninterest income to average assets | 1.1504% | 518 |
| Noninterest expense to average assets | 2.5399% | 1,783 |
| Loan and lease loss provision to assets | -0.1945% | 4,685 |
| Net operating income to assets | 1.2057% | 1,234 |
| Return on assets (ROA) | 1.2070% | 1,220 |
| Pretax return on assets | 1.5110% | 997 |
| Return on Equity (ROE) | 11.1926% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.6600% | 2,007 |
| Net charge-offs to loans | 0.0057% | 1,548 |
| Credit loss provision to net charge-offs | -4,686.8421% | 3,501 |
| Earnings coverage of net charge-offs (x) | 306.9342% | 312 |
| Efficiency ratio | 65.4418% | 2,842 |
| Assets per employee ($millions) | 8.3245% | 1,199 |
| Cash dividends to net income (ytd only)* | 40.4969% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,543 |
| Loan loss allowance to noncurrent loans | 217.9085% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 1,369 |
| Noncurrent loans to loans | 0.5787% | 1,600 |
| Net loans and leases to total assets | 75.3898% | 546 |
| Net loans and leases to deposits | 87.1017% | 671 |
| Net loans and leases to core deposits | 89.2378% | 954 |
| Total domestic deposits to total assets | 86.5538% | 3,088 |
| Equity capital to assets | 10.8396% | 1,415 |
| Core capital (leverage) ratio | 9.0855% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7208% | 2,948 |
| Memoranda: | ||
| Average total assets | $7,096,586,500 | 213 |
| Average earning assets | $6,589,034,000 | 207 |
| Average equity | $765,289,000 | 201 |
| Average total loans | $5,373,462,000 | 181 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 2,849 |
| Cost of funding earning assets | 0.2324% | 3,112 |
| Net interest margin | 3.1993% | 2,597 |
| Noninterest income to average assets | 1.2499% | 677 |
| Noninterest expense to average assets | 2.4706% | 2,276 |
| Loan and lease loss provision to assets | -0.1530% | 4,634 |
| Net operating income to assets | 1.5043% | 1,003 |
| Return on assets (ROA) | 1.5060% | 1,046 |
| Pretax return on assets | 1.8865% | 745 |
| Return on Equity (ROE) | 13.4386% | 1,335 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,483 |
| Net charge-offs to loans | 0.0040% | 2,463 |
| Credit loss provision to net charge-offs | -5,120.6573% | 4,168 |
| Earnings coverage of net charge-offs (x) | 538.2958% | 259 |
| Efficiency ratio | 58.4506% | 3,371 |
| Assets per employee ($millions) | 8.5654% | 1,059 |
| Cash dividends to net income (ytd only)* | 57.6777% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,142 |
| Loan loss allowance to noncurrent loans | 213.3737% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 1,387 |
| Noncurrent loans to loans | 0.6322% | 1,573 |
| Net loans and leases to total assets | 74.0731% | 659 |
| Net loans and leases to deposits | 85.4577% | 827 |
| Net loans and leases to core deposits | 87.5263% | 1,107 |
| Total domestic deposits to total assets | 86.6781% | 2,632 |
| Equity capital to assets | 10.7283% | 1,993 |
| Core capital (leverage) ratio | 8.7681% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6075% | 2,969 |
| Memoranda: | ||
| Average total assets | $6,622,526,800 | 212 |
| Average earning assets | $6,110,626,600 | 211 |
| Average equity | $742,170,200 | 207 |
| Average total loans | $5,349,782,400 | 184 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 2,826 |
| Cost of funding earning assets | 0.2402% | 3,209 |
| Net interest margin | 3.2648% | 2,533 |
| Noninterest income to average assets | 1.3049% | 691 |
| Noninterest expense to average assets | 2.4842% | 2,170 |
| Loan and lease loss provision to assets | -0.2363% | 4,783 |
| Net operating income to assets | 1.6475% | 923 |
| Return on assets (ROA) | 1.6498% | 960 |
| Pretax return on assets | 2.0667% | 715 |
| Return on Equity (ROE) | 14.5519% | 1,243 |
| Retained earnings to average equity (ytd only) | 5.9751% | 2,829 |
| Net charge-offs to loans | 0.0114% | 1,906 |
| Credit loss provision to net charge-offs | -2,728.5088% | 4,055 |
| Earnings coverage of net charge-offs (x) | 195.4759% | 564 |
| Efficiency ratio | 57.2772% | 3,386 |
| Assets per employee ($millions) | 8.5689% | 1,027 |
| Cash dividends to net income (ytd only)* | 58.9397% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,351 |
| Loan loss allowance to noncurrent loans | 190.9670% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 1,433 |
| Noncurrent loans to loans | 0.6955% | 1,591 |
| Net loans and leases to total assets | 74.8929% | 620 |
| Net loans and leases to deposits | 86.4127% | 807 |
| Net loans and leases to core deposits | 88.6027% | 1,117 |
| Total domestic deposits to total assets | 86.6689% | 2,477 |
| Equity capital to assets | 10.8291% | 2,143 |
| Core capital (leverage) ratio | 9.2201% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7534% | 3,010 |
| Memoranda: | ||
| Average total assets | $6,502,989,250 | 216 |
| Average earning assets | $5,989,120,500 | 215 |
| Average equity | $737,267,250 | 205 |
| Average total loans | $5,354,323,750 | 184 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 2,749 |
| Cost of funding earning assets | 0.2477% | 3,299 |
| Net interest margin | 3.3102% | 2,414 |
| Noninterest income to average assets | 1.3593% | 638 |
| Noninterest expense to average assets | 2.4760% | 2,222 |
| Loan and lease loss provision to assets | -0.3572% | 4,862 |
| Net operating income to assets | 1.8241% | 677 |
| Return on assets (ROA) | 1.8271% | 701 |
| Pretax return on assets | 2.2876% | 491 |
| Return on Equity (ROE) | 15.8565% | 982 |
| Retained earnings to average equity (ytd only) | 5.7300% | 2,914 |
| Net charge-offs to loans | 0.0197% | 1,545 |
| Credit loss provision to net charge-offs | -2,101.3183% | 3,840 |
| Earnings coverage of net charge-offs (x) | 115.2279% | 686 |
| Efficiency ratio | 55.8838% | 3,556 |
| Assets per employee ($millions) | 7.8525% | 1,277 |
| Cash dividends to net income (ytd only)* | 63.8632% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,276 |
| Loan loss allowance to noncurrent loans | 186.7150% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 1,374 |
| Noncurrent loans to loans | 0.7137% | 1,656 |
| Net loans and leases to total assets | 83.3727% | 156 |
| Net loans and leases to deposits | 97.6540% | 325 |
| Net loans and leases to core deposits | 100.4871% | 647 |
| Total domestic deposits to total assets | 85.3755% | 2,953 |
| Equity capital to assets | 11.7122% | 1,510 |
| Core capital (leverage) ratio | 9.3902% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7391% | 3,007 |
| Memoranda: | ||
| Average total assets | $6,351,344,333 | 220 |
| Average earning assets | $5,839,418,333 | 216 |
| Average equity | $731,863,667 | 207 |
| Average total loans | $5,378,719,000 | 185 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 2,855 |
| Cost of funding earning assets | 0.2568% | 3,410 |
| Net interest margin | 3.2655% | 2,494 |
| Noninterest income to average assets | 1.4496% | 643 |
| Noninterest expense to average assets | 2.3900% | 2,520 |
| Loan and lease loss provision to assets | -0.7098% | 4,947 |
| Net operating income to assets | 2.1971% | 423 |
| Return on assets (ROA) | 2.2003% | 455 |
| Pretax return on assets | 2.7740% | 312 |
| Return on Equity (ROE) | 19.2525% | 596 |
| Retained earnings to average equity (ytd only) | 7.5195% | 2,406 |
| Net charge-offs to loans | 0.0214% | 1,310 |
| Credit loss provision to net charge-offs | -3,909.3750% | 3,685 |
| Earnings coverage of net charge-offs (x) | 113.7118% | 565 |
| Efficiency ratio | 53.3552% | 3,870 |
| Assets per employee ($millions) | 7.9382% | 1,224 |
| Cash dividends to net income (ytd only)* | 60.9429% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,371 |
| Loan loss allowance to noncurrent loans | 233.1931% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 1,602 |
| Noncurrent loans to loans | 0.5638% | 2,162 |
| Net loans and leases to total assets | 83.8696% | 152 |
| Net loans and leases to deposits | 98.1572% | 339 |
| Net loans and leases to core deposits | 100.5057% | 694 |
| Total domestic deposits to total assets | 85.4442% | 2,949 |
| Equity capital to assets | 11.4759% | 1,556 |
| Core capital (leverage) ratio | 9.3467% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9800% | 2,934 |
| Memoranda: | ||
| Average total assets | $6,358,543,500 | 221 |
| Average earning assets | $5,842,707,000 | 217 |
| Average equity | $726,699,000 | 207 |
| Average total loans | $5,390,761,000 | 187 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 3,380 |
| Cost of funding earning assets | 0.4223% | 3,445 |
| Net interest margin | 3.3509% | 2,923 |
| Noninterest income to average assets | 1.3102% | 672 |
| Noninterest expense to average assets | 2.6021% | 2,541 |
| Loan and lease loss provision to assets | 0.6893% | 243 |
| Net operating income to assets | 0.8864% | 2,755 |
| Return on assets (ROA) | 0.8985% | 2,838 |
| Pretax return on assets | 1.0934% | 2,726 |
| Return on Equity (ROE) | 7.7390% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.3205% | 1,657 |
| Net charge-offs to loans | 0.0952% | 1,508 |
| Credit loss provision to net charge-offs | 848.5155% | 863 |
| Earnings coverage of net charge-offs (x) | 22.5112% | 1,849 |
| Efficiency ratio | 59.0788% | 3,580 |
| Assets per employee ($millions) | 7.7723% | 1,134 |
| Cash dividends to net income (ytd only)* | 18.3292% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,415 |
| Loan loss allowance to noncurrent loans | 251.0096% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 1,641 |
| Noncurrent loans to loans | 0.6193% | 2,146 |
| Net loans and leases to total assets | 83.2318% | 215 |
| Net loans and leases to deposits | 97.4466% | 485 |
| Net loans and leases to core deposits | 103.0143% | 770 |
| Total domestic deposits to total assets | 85.4127% | 2,609 |
| Equity capital to assets | 11.3809% | 1,969 |
| Core capital (leverage) ratio | 9.2094% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1213% | 2,892 |
| Memoranda: | ||
| Average total assets | $5,917,931,200 | 221 |
| Average earning assets | $5,404,139,600 | 222 |
| Average equity | $687,067,600 | 205 |
| Average total loans | $4,880,832,800 | 189 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 3,460 |
| Cost of funding earning assets | 0.4622% | 3,457 |
| Net interest margin | 3.3706% | 2,998 |
| Noninterest income to average assets | 1.3204% | 624 |
| Noninterest expense to average assets | 2.5655% | 2,646 |
| Loan and lease loss provision to assets | 1.1348% | 101 |
| Net operating income to assets | 0.5881% | 3,804 |
| Return on assets (ROA) | 0.6040% | 3,852 |
| Pretax return on assets | 0.7141% | 3,873 |
| Return on Equity (ROE) | 5.1748% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.2612% | 3,412 |
| Net charge-offs to loans | 0.1128% | 1,220 |
| Credit loss provision to net charge-offs | 1,182.3077% | 743 |
| Earnings coverage of net charge-offs (x) | 19.8154% | 1,926 |
| Efficiency ratio | 57.8846% | 3,680 |
| Assets per employee ($millions) | 7.9014% | 1,039 |
| Cash dividends to net income (ytd only)* | 36.9797% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 794 |
| Loan loss allowance to noncurrent loans | 273.4877% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 1,758 |
| Noncurrent loans to loans | 0.6427% | 2,188 |
| Net loans and leases to total assets | 80.7226% | 545 |
| Net loans and leases to deposits | 95.4936% | 796 |
| Net loans and leases to core deposits | 100.8330% | 1,104 |
| Total domestic deposits to total assets | 84.5319% | 2,617 |
| Equity capital to assets | 10.8894% | 2,488 |
| Core capital (leverage) ratio | 9.0963% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9363% | 2,930 |
| Memoranda: | ||
| Average total assets | $5,817,692,000 | 221 |
| Average earning assets | $5,307,927,750 | 222 |
| Average equity | $679,048,000 | 205 |
| Average total loans | $4,765,448,500 | 191 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,398 |
| Cost of funding earning assets | 0.5270% | 3,370 |
| Net interest margin | 3.4448% | 2,958 |
| Noninterest income to average assets | 1.2725% | 629 |
| Noninterest expense to average assets | 2.6193% | 2,599 |
| Loan and lease loss provision to assets | 1.6173% | 71 |
| Net operating income to assets | 0.1790% | 4,598 |
| Return on assets (ROA) | 0.2059% | 4,611 |
| Pretax return on assets | 0.2013% | 4,630 |
| Return on Equity (ROE) | 1.7209% | 4,580 |
| Retained earnings to average equity (ytd only) | -0.6645% | 4,430 |
| Net charge-offs to loans | 0.1763% | 848 |
| Credit loss provision to net charge-offs | 1,033.9237% | 774 |
| Earnings coverage of net charge-offs (x) | 12.4212% | 2,056 |
| Efficiency ratio | 58.8679% | 3,577 |
| Assets per employee ($millions) | 7.6886% | 1,091 |
| Cash dividends to net income (ytd only)* | 138.6113% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 771 |
| Loan loss allowance to noncurrent loans | 315.4204% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 2,047 |
| Noncurrent loans to loans | 0.5486% | 2,524 |
| Net loans and leases to total assets | 80.2106% | 573 |
| Net loans and leases to deposits | 99.0773% | 604 |
| Net loans and leases to core deposits | 104.5678% | 967 |
| Total domestic deposits to total assets | 80.9576% | 3,619 |
| Equity capital to assets | 11.0293% | 2,315 |
| Core capital (leverage) ratio | 9.1987% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0372% | 2,957 |
| Memoranda: | ||
| Average total assets | $5,636,718,667 | 225 |
| Average earning assets | $5,135,325,000 | 225 |
| Average equity | $674,520,667 | 206 |
| Average total loans | $4,611,824,333 | 194 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 3,101 |
| Cost of funding earning assets | 0.6742% | 3,039 |
| Net interest margin | 3.5625% | 2,786 |
| Noninterest income to average assets | 1.3276% | 509 |
| Noninterest expense to average assets | 2.9181% | 2,076 |
| Loan and lease loss provision to assets | 1.5584% | 93 |
| Net operating income to assets | 0.0983% | 4,662 |
| Return on assets (ROA) | 0.1498% | 4,606 |
| Pretax return on assets | 0.1404% | 4,633 |
| Return on Equity (ROE) | 1.1986% | 4,601 |
| Retained earnings to average equity (ytd only) | -3.0288% | 4,355 |
| Net charge-offs to loans | 0.0442% | 1,586 |
| Credit loss provision to net charge-offs | 4,182.4131% | 195 |
| Earnings coverage of net charge-offs (x) | 45.5031% | 963 |
| Efficiency ratio | 63.3893% | 3,314 |
| Assets per employee ($millions) | 7.0155% | 1,082 |
| Cash dividends to net income (ytd only)* | 352.6940% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,247 |
| Loan loss allowance to noncurrent loans | 177.6320% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,877 |
| Noncurrent loans to loans | 0.8610% | 1,893 |
| Net loans and leases to total assets | 80.6765% | 609 |
| Net loans and leases to deposits | 97.9382% | 723 |
| Net loans and leases to core deposits | 106.1969% | 1,050 |
| Total domestic deposits to total assets | 82.3749% | 3,308 |
| Equity capital to assets | 12.2127% | 1,911 |
| Core capital (leverage) ratio | 9.8465% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8702% | 3,136 |
| Memoranda: | ||
| Average total assets | $5,402,693,500 | 226 |
| Average earning assets | $4,910,433,000 | 226 |
| Average equity | $675,123,000 | 208 |
| Average total loans | $4,426,291,000 | 199 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 2,676 |
| Cost of funding earning assets | 0.8525% | 2,418 |
| Net interest margin | 3.7304% | 2,732 |
| Noninterest income to average assets | 1.2585% | 596 |
| Noninterest expense to average assets | 2.8005% | 2,599 |
| Loan and lease loss provision to assets | 0.1650% | 1,263 |
| Net operating income to assets | 1.3648% | 1,463 |
| Return on assets (ROA) | 1.3656% | 1,544 |
| Pretax return on assets | 1.6697% | 1,273 |
| Return on Equity (ROE) | 10.6369% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.1581% | 1,787 |
| Net charge-offs to loans | 0.0610% | 2,230 |
| Credit loss provision to net charge-offs | 333.9083% | 830 |
| Earnings coverage of net charge-offs (x) | 37.1027% | 1,381 |
| Efficiency ratio | 59.7769% | 3,731 |
| Assets per employee ($millions) | 6.9810% | 1,044 |
| Cash dividends to net income (ytd only)* | 42.1061% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 4,289 |
| Loan loss allowance to noncurrent loans | 90.6272% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 1,758 |
| Noncurrent loans to loans | 0.8876% | 1,734 |
| Net loans and leases to total assets | 81.2665% | 644 |
| Net loans and leases to deposits | 98.0701% | 756 |
| Net loans and leases to core deposits | 105.4472% | 1,146 |
| Total domestic deposits to total assets | 82.8656% | 3,243 |
| Equity capital to assets | 12.7838% | 1,653 |
| Core capital (leverage) ratio | 9.8967% | 3,620 |
| Tier 1 risk-based capital ratio | 10.9016% | 4,886 |
| Total risk-based capital ratio | 11.6632% | 4,978 |
| Memoranda: | ||
| Average total assets | $5,161,720,600 | 219 |
| Average earning assets | $4,670,831,000 | 222 |
| Average equity | $662,700,000 | 206 |
| Average total loans | $4,178,739,200 | 197 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 2,607 |
| Cost of funding earning assets | 0.8697% | 2,370 |
| Net interest margin | 3.7675% | 2,692 |
| Noninterest income to average assets | 1.2753% | 565 |
| Noninterest expense to average assets | 2.7810% | 2,622 |
| Loan and lease loss provision to assets | 0.1641% | 1,138 |
| Net operating income to assets | 1.4242% | 1,398 |
| Return on assets (ROA) | 1.4250% | 1,453 |
| Pretax return on assets | 1.7367% | 1,230 |
| Return on Equity (ROE) | 11.0870% | 1,986 |
| Retained earnings to average equity (ytd only) | 6.5769% | 2,071 |
| Net charge-offs to loans | 0.0644% | 1,897 |
| Credit loss provision to net charge-offs | 315.6548% | 925 |
| Earnings coverage of net charge-offs (x) | 36.5444% | 1,449 |
| Efficiency ratio | 58.7483% | 3,833 |
| Assets per employee ($millions) | 6.9712% | 1,036 |
| Cash dividends to net income (ytd only)* | 40.6790% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,432 |
| Loan loss allowance to noncurrent loans | 83.2723% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 1,792 |
| Noncurrent loans to loans | 0.9501% | 1,696 |
| Net loans and leases to total assets | 79.1521% | 969 |
| Net loans and leases to deposits | 95.5605% | 1,067 |
| Net loans and leases to core deposits | 104.6716% | 1,287 |
| Total domestic deposits to total assets | 82.8293% | 3,218 |
| Equity capital to assets | 12.6586% | 1,806 |
| Core capital (leverage) ratio | 9.8895% | 3,744 |
| Tier 1 risk-based capital ratio | 10.9527% | 4,933 |
| Total risk-based capital ratio | 11.6951% | 5,019 |
| Memoranda: | ||
| Average total assets | $5,111,804,000 | 223 |
| Average earning assets | $4,620,498,500 | 225 |
| Average equity | $657,028,250 | 208 |
| Average total loans | $4,125,339,000 | 200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 2,436 |
| Cost of funding earning assets | 0.8675% | 2,312 |
| Net interest margin | 3.8078% | 2,564 |
| Noninterest income to average assets | 1.2842% | 527 |
| Noninterest expense to average assets | 2.7987% | 2,591 |
| Loan and lease loss provision to assets | 0.1890% | 938 |
| Net operating income to assets | 1.4286% | 1,347 |
| Return on assets (ROA) | 1.4289% | 1,397 |
| Pretax return on assets | 1.7372% | 1,195 |
| Return on Equity (ROE) | 11.0579% | 1,952 |
| Retained earnings to average equity (ytd only) | 6.5170% | 2,043 |
| Net charge-offs to loans | 0.0747% | 1,619 |
| Credit loss provision to net charge-offs | 312.1967% | 876 |
| Earnings coverage of net charge-offs (x) | 31.8118% | 1,419 |
| Efficiency ratio | 58.5435% | 3,931 |
| Assets per employee ($millions) | 6.5990% | 1,191 |
| Cash dividends to net income (ytd only)* | 41.0652% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,505 |
| Loan loss allowance to noncurrent loans | 120.3218% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 2,398 |
| Noncurrent loans to loans | 0.6498% | 2,322 |
| Net loans and leases to total assets | 80.5764% | 795 |
| Net loans and leases to deposits | 98.5124% | 796 |
| Net loans and leases to core deposits | 108.0925% | 1,099 |
| Total domestic deposits to total assets | 81.7931% | 3,579 |
| Equity capital to assets | 12.9361% | 1,614 |
| Core capital (leverage) ratio | 9.9453% | 3,646 |
| Tier 1 risk-based capital ratio | 10.9178% | 4,952 |
| Total risk-based capital ratio | 11.6515% | 5,058 |
| Memoranda: | ||
| Average total assets | $5,038,079,000 | 227 |
| Average earning assets | $4,552,019,000 | 229 |
| Average equity | $651,010,000 | 211 |
| Average total loans | $4,082,176,670 | 203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 2,409 |
| Cost of funding earning assets | 0.8495% | 2,275 |
| Net interest margin | 3.7931% | 2,552 |
| Noninterest income to average assets | 1.2860% | 514 |
| Noninterest expense to average assets | 2.8156% | 2,516 |
| Loan and lease loss provision to assets | 0.2152% | 725 |
| Net operating income to assets | 1.3933% | 1,395 |
| Return on assets (ROA) | 1.3934% | 1,428 |
| Pretax return on assets | 1.6841% | 1,251 |
| Return on Equity (ROE) | 10.7894% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,483 |
| Net charge-offs to loans | 0.0443% | 1,643 |
| Credit loss provision to net charge-offs | 600.6711% | 534 |
| Earnings coverage of net charge-offs (x) | 53.0067% | 989 |
| Efficiency ratio | 59.0088% | 3,950 |
| Assets per employee ($millions) | 6.6693% | 1,161 |
| Cash dividends to net income (ytd only)* | 45.0325% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,585 |
| Loan loss allowance to noncurrent loans | 115.8474% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,428 |
| Noncurrent loans to loans | 0.6704% | 2,339 |
| Net loans and leases to total assets | 80.4979% | 781 |
| Net loans and leases to deposits | 98.9174% | 703 |
| Net loans and leases to core deposits | 107.5749% | 1,071 |
| Total domestic deposits to total assets | 81.3788% | 3,886 |
| Equity capital to assets | 12.9682% | 1,473 |
| Core capital (leverage) ratio | 10.0512% | 3,545 |
| Tier 1 risk-based capital ratio | 10.8866% | 5,026 |
| Total risk-based capital ratio | 11.6122% | 5,132 |
| Memoranda: | ||
| Average total assets | $4,990,112,000 | 229 |
| Average earning assets | $4,511,011,000 | 230 |
| Average equity | $644,445,000 | 214 |
| Average total loans | $4,038,564,000 | 205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 2,546 |
| Cost of funding earning assets | 0.6428% | 2,441 |
| Net interest margin | 3.8282% | 2,567 |
| Noninterest income to average assets | 1.2814% | 570 |
| Noninterest expense to average assets | 2.9040% | 2,340 |
| Loan and lease loss provision to assets | 0.4307% | 303 |
| Net operating income to assets | 1.1555% | 2,361 |
| Return on assets (ROA) | 1.1557% | 2,365 |
| Pretax return on assets | 1.4049% | 2,121 |
| Return on Equity (ROE) | 8.7872% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.1824% | 2,672 |
| Net charge-offs to loans | 0.3289% | 587 |
| Credit loss provision to net charge-offs | 162.4670% | 1,706 |
| Earnings coverage of net charge-offs (x) | 6.9237% | 3,035 |
| Efficiency ratio | 60.3287% | 3,800 |
| Assets per employee ($millions) | 6.6376% | 1,149 |
| Cash dividends to net income (ytd only)* | 41.0234% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 4,726 |
| Loan loss allowance to noncurrent loans | 108.3742% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 2,336 |
| Noncurrent loans to loans | 0.6760% | 2,305 |
| Net loans and leases to total assets | 80.1413% | 918 |
| Net loans and leases to deposits | 100.3565% | 712 |
| Net loans and leases to core deposits | 110.5618% | 968 |
| Total domestic deposits to total assets | 79.8566% | 4,137 |
| Equity capital to assets | 12.8602% | 1,410 |
| Core capital (leverage) ratio | 10.1150% | 3,441 |
| Tier 1 risk-based capital ratio | 10.8567% | 5,043 |
| Total risk-based capital ratio | 11.5421% | 5,163 |
| Memoranda: | ||
| Average total assets | $4,715,952,800 | 237 |
| Average earning assets | $4,259,839,200 | 235 |
| Average equity | $620,254,200 | 212 |
| Average total loans | $3,801,412,600 | 210 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 2,567 |
| Cost of funding earning assets | 0.5962% | 2,500 |
| Net interest margin | 3.8236% | 2,552 |
| Noninterest income to average assets | 1.3049% | 561 |
| Noninterest expense to average assets | 2.9637% | 2,131 |
| Loan and lease loss provision to assets | 0.5789% | 178 |
| Net operating income to assets | 1.0006% | 3,081 |
| Return on assets (ROA) | 1.0008% | 3,092 |
| Pretax return on assets | 1.2133% | 2,940 |
| Return on Equity (ROE) | 7.5648% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.2984% | 3,612 |
| Net charge-offs to loans | 0.5117% | 302 |
| Credit loss provision to net charge-offs | 140.4141% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.3463% | 3,073 |
| Efficiency ratio | 61.3266% | 3,615 |
| Assets per employee ($millions) | 6.3374% | 1,266 |
| Cash dividends to net income (ytd only)* | 43.1798% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,861 |
| Loan loss allowance to noncurrent loans | 92.2110% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 2,240 |
| Noncurrent loans to loans | 0.7677% | 2,170 |
| Net loans and leases to total assets | 80.3381% | 964 |
| Net loans and leases to deposits | 98.5222% | 908 |
| Net loans and leases to core deposits | 106.9532% | 1,233 |
| Total domestic deposits to total assets | 81.5431% | 3,728 |
| Equity capital to assets | 13.0766% | 1,300 |
| Core capital (leverage) ratio | 10.0142% | 3,620 |
| Tier 1 risk-based capital ratio | 10.9242% | 5,072 |
| Total risk-based capital ratio | 11.5862% | 5,205 |
| Memoranda: | ||
| Average total assets | $4,653,706,500 | 236 |
| Average earning assets | $4,200,000,750 | 234 |
| Average equity | $615,692,750 | 210 |
| Average total loans | $3,749,683,750 | 212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,685 |
| Cost of funding earning assets | 0.5389% | 2,697 |
| Net interest margin | 3.7861% | 2,613 |
| Noninterest income to average assets | 1.3371% | 540 |
| Noninterest expense to average assets | 3.0262% | 1,976 |
| Loan and lease loss provision to assets | 0.7572% | 125 |
| Net operating income to assets | 0.8134% | 3,814 |
| Return on assets (ROA) | 0.8138% | 3,817 |
| Pretax return on assets | 0.9698% | 3,752 |
| Return on Equity (ROE) | 6.1266% | 4,183 |
| Retained earnings to average equity (ytd only) | 1.9995% | 4,459 |
| Net charge-offs to loans | 0.7203% | 202 |
| Credit loss provision to net charge-offs | 130.6547% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.9791% | 2,926 |
| Efficiency ratio | 62.5977% | 3,548 |
| Assets per employee ($millions) | 6.1735% | 1,349 |
| Cash dividends to net income (ytd only)* | 67.3629% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,994 |
| Loan loss allowance to noncurrent loans | 81.9657% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,135 |
| Noncurrent loans to loans | 0.8192% | 2,086 |
| Net loans and leases to total assets | 80.3461% | 967 |
| Net loans and leases to deposits | 102.6098% | 615 |
| Net loans and leases to core deposits | 112.0351% | 886 |
| Total domestic deposits to total assets | 78.3025% | 4,537 |
| Equity capital to assets | 12.9577% | 1,318 |
| Core capital (leverage) ratio | 10.0345% | 3,541 |
| Tier 1 risk-based capital ratio | 10.7312% | 5,179 |
| Total risk-based capital ratio | 11.3604% | 5,329 |
| Memoranda: | ||
| Average total assets | $4,612,130,330 | 236 |
| Average earning assets | $4,160,984,330 | 234 |
| Average equity | $612,638,000 | 204 |
| Average total loans | $3,710,820,000 | 213 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,770 |
| Cost of funding earning assets | 0.4866% | 2,891 |
| Net interest margin | 3.7475% | 2,622 |
| Noninterest income to average assets | 1.3699% | 496 |
| Noninterest expense to average assets | 3.1381% | 1,719 |
| Loan and lease loss provision to assets | 0.1802% | 952 |
| Net operating income to assets | 1.1703% | 2,135 |
| Return on assets (ROA) | 1.1710% | 2,143 |
| Pretax return on assets | 1.4342% | 1,887 |
| Return on Equity (ROE) | 8.7050% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.3727% | 3,438 |
| Net charge-offs to loans | 0.0217% | 2,071 |
| Credit loss provision to net charge-offs | 1,036.8687% | 332 |
| Earnings coverage of net charge-offs (x) | 92.8384% | 647 |
| Efficiency ratio | 64.9425% | 3,327 |
| Assets per employee ($millions) | 6.0889% | 1,437 |
| Cash dividends to net income (ytd only)* | 49.7676% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 5,125 |
| Loan loss allowance to noncurrent loans | 74.2844% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 2,135 |
| Noncurrent loans to loans | 0.8539% | 2,115 |
| Net loans and leases to total assets | 79.9831% | 937 |
| Net loans and leases to deposits | 102.5897% | 554 |
| Net loans and leases to core deposits | 113.0409% | 843 |
| Total domestic deposits to total assets | 77.9641% | 4,734 |
| Equity capital to assets | 13.3898% | 1,077 |
| Core capital (leverage) ratio | 10.3232% | 3,160 |
| Tier 1 risk-based capital ratio | 11.0066% | 5,127 |
| Total risk-based capital ratio | 11.5972% | 5,322 |
| Memoranda: | ||
| Average total assets | $4,556,834,000 | 237 |
| Average earning assets | $4,112,035,500 | 236 |
| Average equity | $612,979,500 | 205 |
| Average total loans | $3,656,142,000 | 214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,809 |
| Cost of funding earning assets | 0.3786% | 3,432 |
| Net interest margin | 3.7903% | 2,460 |
| Noninterest income to average assets | 1.3501% | 574 |
| Noninterest expense to average assets | 2.9531% | 2,284 |
| Loan and lease loss provision to assets | 0.2271% | 861 |
| Net operating income to assets | 1.1425% | 1,703 |
| Return on assets (ROA) | 1.1433% | 1,739 |
| Pretax return on assets | 1.5726% | 1,372 |
| Return on Equity (ROE) | 8.3079% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.9269% | 2,847 |
| Net charge-offs to loans | 0.1691% | 1,460 |
| Credit loss provision to net charge-offs | 169.4997% | 1,590 |
| Earnings coverage of net charge-offs (x) | 13.4263% | 2,394 |
| Efficiency ratio | 60.7811% | 4,141 |
| Assets per employee ($millions) | 5.9904% | 1,521 |
| Cash dividends to net income (ytd only)* | 52.7327% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 5,256 |
| Loan loss allowance to noncurrent loans | 127.8394% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 3,209 |
| Noncurrent loans to loans | 0.4656% | 3,114 |
| Net loans and leases to total assets | 79.4956% | 1,035 |
| Net loans and leases to deposits | 99.2172% | 795 |
| Net loans and leases to core deposits | 110.9335% | 956 |
| Total domestic deposits to total assets | 80.1228% | 4,316 |
| Equity capital to assets | 13.5147% | 1,055 |
| Core capital (leverage) ratio | 10.4481% | 2,903 |
| Tier 1 risk-based capital ratio | 11.0612% | 5,107 |
| Total risk-based capital ratio | 11.6169% | 5,335 |
| Memoranda: | ||
| Average total assets | $4,356,344,000 | 236 |
| Average earning assets | $3,909,683,000 | 237 |
| Average equity | $599,478,600 | 199 |
| Average total loans | $3,451,666,400 | 217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 2,766 |
| Cost of funding earning assets | 0.3570% | 3,597 |
| Net interest margin | 3.8009% | 2,394 |
| Noninterest income to average assets | 1.3843% | 550 |
| Noninterest expense to average assets | 2.9664% | 2,200 |
| Loan and lease loss provision to assets | 0.2442% | 713 |
| Net operating income to assets | 1.1282% | 1,960 |
| Return on assets (ROA) | 1.1291% | 2,023 |
| Pretax return on assets | 1.5823% | 1,481 |
| Return on Equity (ROE) | 8.1665% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.6234% | 3,764 |
| Net charge-offs to loans | 0.1899% | 1,110 |
| Credit loss provision to net charge-offs | 162.6853% | 1,579 |
| Earnings coverage of net charge-offs (x) | 12.1596% | 2,445 |
| Efficiency ratio | 60.5179% | 4,127 |
| Assets per employee ($millions) | 5.8196% | 1,637 |
| Cash dividends to net income (ytd only)* | 55.6316% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 5,345 |
| Loan loss allowance to noncurrent loans | 107.1902% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 3,140 |
| Noncurrent loans to loans | 0.5492% | 3,052 |
| Net loans and leases to total assets | 79.0538% | 1,119 |
| Net loans and leases to deposits | 98.4880% | 868 |
| Net loans and leases to core deposits | 110.8144% | 984 |
| Total domestic deposits to total assets | 80.2674% | 4,266 |
| Equity capital to assets | 13.8181% | 1,043 |
| Core capital (leverage) ratio | 10.3216% | 3,176 |
| Tier 1 risk-based capital ratio | 11.2311% | 5,119 |
| Total risk-based capital ratio | 11.7794% | 5,370 |
| Memoranda: | ||
| Average total assets | $4,313,243,500 | 239 |
| Average earning assets | $3,866,642,000 | 238 |
| Average equity | $596,337,000 | 203 |
| Average total loans | $3,409,155,750 | 221 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,884 |
| Cost of funding earning assets | 0.3291% | 3,804 |
| Net interest margin | 3.7539% | 2,456 |
| Noninterest income to average assets | 1.4340% | 524 |
| Noninterest expense to average assets | 2.9507% | 2,265 |
| Loan and lease loss provision to assets | 0.2430% | 696 |
| Net operating income to assets | 1.1481% | 1,785 |
| Return on assets (ROA) | 1.1492% | 1,832 |
| Pretax return on assets | 1.6042% | 1,330 |
| Return on Equity (ROE) | 8.3106% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,471 |
| Net charge-offs to loans | 0.1064% | 1,564 |
| Credit loss provision to net charge-offs | 289.5000% | 982 |
| Earnings coverage of net charge-offs (x) | 21.9861% | 1,732 |
| Efficiency ratio | 60.0799% | 4,309 |
| Assets per employee ($millions) | 5.8601% | 1,570 |
| Cash dividends to net income (ytd only)* | 54.9775% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 5,386 |
| Loan loss allowance to noncurrent loans | 76.7875% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,545 |
| Noncurrent loans to loans | 0.7753% | 2,467 |
| Net loans and leases to total assets | 78.9149% | 1,106 |
| Net loans and leases to deposits | 104.1522% | 488 |
| Net loans and leases to core deposits | 116.0504% | 708 |
| Total domestic deposits to total assets | 75.7688% | 5,119 |
| Equity capital to assets | 13.5738% | 1,119 |
| Core capital (leverage) ratio | 10.3887% | 3,034 |
| Tier 1 risk-based capital ratio | 10.9535% | 5,275 |
| Total risk-based capital ratio | 11.5046% | 5,495 |
| Memoranda: | ||
| Average total assets | $4,288,337,330 | 237 |
| Average earning assets | $3,841,094,330 | 241 |
| Average equity | $593,004,330 | 206 |
| Average total loans | $3,382,410,330 | 223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 2,778 |
| Cost of funding earning assets | 0.3023% | 4,016 |
| Net interest margin | 3.7652% | 2,244 |
| Noninterest income to average assets | 1.4061% | 540 |
| Noninterest expense to average assets | 3.0616% | 1,979 |
| Loan and lease loss provision to assets | 0.2317% | 670 |
| Net operating income to assets | 1.0507% | 2,067 |
| Return on assets (ROA) | 1.0515% | 2,111 |
| Pretax return on assets | 1.4823% | 1,596 |
| Return on Equity (ROE) | 7.5312% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.1004% | 4,304 |
| Net charge-offs to loans | 0.0502% | 1,860 |
| Credit loss provision to net charge-offs | 587.7404% | 527 |
| Earnings coverage of net charge-offs (x) | 43.4447% | 976 |
| Efficiency ratio | 62.6442% | 4,047 |
| Assets per employee ($millions) | 5.7340% | 1,701 |
| Cash dividends to net income (ytd only)* | 72.1111% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 5,509 |
| Loan loss allowance to noncurrent loans | 71.2961% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 2,465 |
| Noncurrent loans to loans | 0.8193% | 2,403 |
| Net loans and leases to total assets | 78.3253% | 1,082 |
| Net loans and leases to deposits | 98.6309% | 715 |
| Net loans and leases to core deposits | 110.0512% | 876 |
| Total domestic deposits to total assets | 79.4126% | 4,738 |
| Equity capital to assets | 13.9263% | 924 |
| Core capital (leverage) ratio | 10.4395% | 2,971 |
| Tier 1 risk-based capital ratio | 11.2311% | 5,185 |
| Total risk-based capital ratio | 11.7713% | 5,449 |
| Memoranda: | ||
| Average total assets | $4,220,301,000 | 239 |
| Average earning assets | $3,775,599,500 | 242 |
| Average equity | $589,226,500 | 204 |
| Average total loans | $3,317,401,000 | 227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,579 |
| Cost of funding earning assets | 0.2710% | 4,356 |
| Net interest margin | 3.9005% | 1,967 |
| Noninterest income to average assets | 1.6307% | 459 |
| Noninterest expense to average assets | 3.9711% | 630 |
| Loan and lease loss provision to assets | 0.1422% | 1,757 |
| Net operating income to assets | 0.7849% | 3,378 |
| Return on assets (ROA) | 0.7962% | 3,419 |
| Pretax return on assets | 1.0239% | 3,389 |
| Return on Equity (ROE) | 5.7280% | 4,106 |
| Retained earnings to average equity (ytd only) | -14.2333% | 5,821 |
| Net charge-offs to loans | 0.1874% | 1,481 |
| Credit loss provision to net charge-offs | 97.3939% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.8844% | 2,957 |
| Efficiency ratio | 75.9885% | 1,984 |
| Assets per employee ($millions) | 5.5595% | 1,819 |
| Cash dividends to net income (ytd only)* | 348.4844% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5316% | 5,627 |
| Loan loss allowance to noncurrent loans | 66.6578% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 2,502 |
| Noncurrent loans to loans | 0.7975% | 2,519 |
| Net loans and leases to total assets | 78.0072% | 1,195 |
| Net loans and leases to deposits | 100.4546% | 641 |
| Net loans and leases to core deposits | 114.3173% | 685 |
| Total domestic deposits to total assets | 77.6542% | 5,022 |
| Equity capital to assets | 13.9975% | 888 |
| Core capital (leverage) ratio | 10.6393% | 2,732 |
| Tier 1 risk-based capital ratio | 11.3551% | 5,138 |
| Total risk-based capital ratio | 11.8484% | 5,454 |
| Memoranda: | ||
| Average total assets | $3,389,175,600 | 275 |
| Average earning assets | $3,034,283,000 | 279 |
| Average equity | $471,120,800 | 229 |
| Average total loans | $2,641,288,400 | 252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 2,744 |
| Cost of funding earning assets | 0.2616% | 4,490 |
| Net interest margin | 3.8727% | 2,077 |
| Noninterest income to average assets | 1.7319% | 420 |
| Noninterest expense to average assets | 4.1894% | 487 |
| Loan and lease loss provision to assets | 0.1076% | 2,133 |
| Net operating income to assets | 0.7068% | 3,807 |
| Return on assets (ROA) | 0.7219% | 3,865 |
| Pretax return on assets | 0.9236% | 3,894 |
| Return on Equity (ROE) | 5.2051% | 4,431 |
| Retained earnings to average equity (ytd only) | -23.1617% | 5,927 |
| Net charge-offs to loans | 0.1775% | 1,307 |
| Credit loss provision to net charge-offs | 77.9091% | 2,691 |
| Earnings coverage of net charge-offs (x) | 7.3288% | 2,888 |
| Efficiency ratio | 79.0844% | 1,544 |
| Assets per employee ($millions) | 5.0209% | 2,350 |
| Cash dividends to net income (ytd only)* | 544.9816% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 5,704 |
| Loan loss allowance to noncurrent loans | 54.9543% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,321 |
| Noncurrent loans to loans | 0.9627% | 2,316 |
| Net loans and leases to total assets | 77.3619% | 1,299 |
| Net loans and leases to deposits | 99.6114% | 729 |
| Net loans and leases to core deposits | 113.7686% | 733 |
| Total domestic deposits to total assets | 77.6637% | 4,969 |
| Equity capital to assets | 14.2224% | 959 |
| Core capital (leverage) ratio | 10.3791% | 3,128 |
| Tier 1 risk-based capital ratio | 11.3178% | 5,195 |
| Total risk-based capital ratio | 11.8046% | 5,518 |
| Memoranda: | ||
| Average total assets | $3,187,118,000 | 286 |
| Average earning assets | $2,855,116,750 | 284 |
| Average equity | $442,018,250 | 239 |
| Average total loans | $2,478,666,500 | 267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,191 |
| Cost of funding earning assets | 0.2344% | 4,806 |
| Net interest margin | 3.7802% | 2,398 |
| Noninterest income to average assets | 1.8975% | 368 |
| Noninterest expense to average assets | 3.7458% | 823 |
| Loan and lease loss provision to assets | 0.0803% | 2,536 |
| Net operating income to assets | 1.0710% | 2,083 |
| Return on assets (ROA) | 1.0930% | 2,109 |
| Pretax return on assets | 1.4903% | 1,700 |
| Return on Equity (ROE) | 7.9777% | 2,987 |
| Retained earnings to average equity (ytd only) | 0.8615% | 5,042 |
| Net charge-offs to loans | 0.1456% | 1,452 |
| Credit loss provision to net charge-offs | 70.8768% | 2,471 |
| Earnings coverage of net charge-offs (x) | 13.6027% | 2,114 |
| Efficiency ratio | 69.5852% | 3,048 |
| Assets per employee ($millions) | 4.2321% | 3,496 |
| Cash dividends to net income (ytd only)* | 89.2009% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 5,454 |
| Loan loss allowance to noncurrent loans | 114.6974% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 3,205 |
| Noncurrent loans to loans | 0.6365% | 3,168 |
| Net loans and leases to total assets | 78.1770% | 1,176 |
| Net loans and leases to deposits | 97.9823% | 891 |
| Net loans and leases to core deposits | 109.7933% | 941 |
| Total domestic deposits to total assets | 79.7869% | 4,598 |
| Equity capital to assets | 13.2731% | 1,341 |
| Core capital (leverage) ratio | 10.4376% | 3,030 |
| Tier 1 risk-based capital ratio | 10.7770% | 5,537 |
| Total risk-based capital ratio | 11.4545% | 5,719 |
| Memoranda: | ||
| Average total assets | $2,880,468,670 | 301 |
| Average earning assets | $2,582,171,670 | 302 |
| Average equity | $394,650,330 | 260 |
| Average total loans | $2,240,153,670 | 280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,003 |
| Cost of funding earning assets | 0.2423% | 4,782 |
| Net interest margin | 3.8162% | 2,232 |
| Noninterest income to average assets | 1.9506% | 351 |
| Noninterest expense to average assets | 3.7274% | 863 |
| Loan and lease loss provision to assets | 0.0461% | 2,995 |
| Net operating income to assets | 1.1583% | 1,681 |
| Return on assets (ROA) | 1.1629% | 1,774 |
| Pretax return on assets | 1.6037% | 1,280 |
| Return on Equity (ROE) | 8.3500% | 2,739 |
| Retained earnings to average equity (ytd only) | 2.2571% | 4,356 |
| Net charge-offs to loans | 0.2749% | 772 |
| Credit loss provision to net charge-offs | 21.7044% | 2,286 |
| Earnings coverage of net charge-offs (x) | 7.7390% | 2,123 |
| Efficiency ratio | 68.1085% | 3,453 |
| Assets per employee ($millions) | 4.2707% | 3,452 |
| Cash dividends to net income (ytd only)* | 72.9694% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,487 |
| Loan loss allowance to noncurrent loans | 106.5475% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 3,078 |
| Noncurrent loans to loans | 0.7060% | 3,081 |
| Net loans and leases to total assets | 77.4777% | 1,172 |
| Net loans and leases to deposits | 92.1834% | 1,324 |
| Net loans and leases to core deposits | 102.0953% | 1,327 |
| Total domestic deposits to total assets | 84.0473% | 3,501 |
| Equity capital to assets | 14.1212% | 939 |
| Core capital (leverage) ratio | 10.4888% | 2,980 |
| Tier 1 risk-based capital ratio | 11.4381% | 5,262 |
| Total risk-based capital ratio | 12.1279% | 5,470 |
| Memoranda: | ||
| Average total assets | $2,828,870,500 | 303 |
| Average earning assets | $2,535,486,000 | 305 |
| Average equity | $393,962,500 | 261 |
| Average total loans | $2,185,383,500 | 281 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,407 |
| Cost of funding earning assets | 0.2515% | 4,772 |
| Net interest margin | 3.9919% | 1,740 |
| Noninterest income to average assets | 1.9125% | 381 |
| Noninterest expense to average assets | 3.8893% | 773 |
| Loan and lease loss provision to assets | 0.1420% | 1,672 |
| Net operating income to assets | 1.0805% | 2,004 |
| Return on assets (ROA) | 1.1075% | 1,953 |
| Pretax return on assets | 1.4991% | 1,560 |
| Return on Equity (ROE) | 7.9755% | 2,972 |
| Retained earnings to average equity (ytd only) | 0.8438% | 5,185 |
| Net charge-offs to loans | 0.3389% | 877 |
| Credit loss provision to net charge-offs | 55.6173% | 3,321 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 3,248 |
| Efficiency ratio | 69.2354% | 3,357 |
| Assets per employee ($millions) | 4.2126% | 3,546 |
| Cash dividends to net income (ytd only)* | 89.4205% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 5,392 |
| Loan loss allowance to noncurrent loans | 111.4638% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 3,286 |
| Noncurrent loans to loans | 0.7242% | 3,013 |
| Net loans and leases to total assets | 75.8391% | 1,448 |
| Net loans and leases to deposits | 89.8463% | 1,631 |
| Net loans and leases to core deposits | 101.6522% | 1,389 |
| Total domestic deposits to total assets | 84.4098% | 3,327 |
| Equity capital to assets | 13.7355% | 1,026 |
| Core capital (leverage) ratio | 10.3122% | 3,146 |
| Tier 1 risk-based capital ratio | 11.3570% | 5,342 |
| Total risk-based capital ratio | 12.0926% | 5,511 |
| Memoranda: | ||
| Average total assets | $2,678,120,400 | 302 |
| Average earning assets | $2,402,595,400 | 304 |
| Average equity | $371,900,200 | 260 |
| Average total loans | $2,017,317,000 | 283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,226 |
| Cost of funding earning assets | 0.2506% | 4,875 |
| Net interest margin | 4.0512% | 1,558 |
| Noninterest income to average assets | 1.9647% | 369 |
| Noninterest expense to average assets | 3.9851% | 680 |
| Loan and lease loss provision to assets | 0.1461% | 1,498 |
| Net operating income to assets | 1.0807% | 2,090 |
| Return on assets (ROA) | 1.0950% | 2,113 |
| Pretax return on assets | 1.4865% | 1,718 |
| Return on Equity (ROE) | 7.8624% | 3,158 |
| Retained earnings to average equity (ytd only) | 2.4529% | 4,645 |
| Net charge-offs to loans | 0.3325% | 791 |
| Credit loss provision to net charge-offs | 58.5549% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.4672% | 3,045 |
| Efficiency ratio | 69.6132% | 3,266 |
| Assets per employee ($millions) | 4.4217% | 3,135 |
| Cash dividends to net income (ytd only)* | 68.8026% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 5,264 |
| Loan loss allowance to noncurrent loans | 72.8910% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 2,517 |
| Noncurrent loans to loans | 1.2124% | 2,107 |
| Net loans and leases to total assets | 73.7955% | 1,771 |
| Net loans and leases to deposits | 87.6397% | 1,953 |
| Net loans and leases to core deposits | 100.3100% | 1,486 |
| Total domestic deposits to total assets | 84.2033% | 3,340 |
| Equity capital to assets | 14.0384% | 1,006 |
| Core capital (leverage) ratio | 10.6745% | 2,853 |
| Tier 1 risk-based capital ratio | 11.9010% | 5,140 |
| Total risk-based capital ratio | 12.7039% | 5,320 |
| Memoranda: | ||
| Average total assets | $2,633,617,750 | 312 |
| Average earning assets | $2,362,129,250 | 311 |
| Average equity | $366,799,250 | 267 |
| Average total loans | $1,975,723,000 | 289 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 1,900 |
| Cost of funding earning assets | 0.2506% | 4,934 |
| Net interest margin | 4.1356% | 1,260 |
| Noninterest income to average assets | 2.0424% | 360 |
| Noninterest expense to average assets | 4.1370% | 587 |
| Loan and lease loss provision to assets | 0.1725% | 1,205 |
| Net operating income to assets | 1.0631% | 2,088 |
| Return on assets (ROA) | 1.0736% | 2,145 |
| Pretax return on assets | 1.4562% | 1,781 |
| Return on Equity (ROE) | 7.7310% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.9431% | 4,725 |
| Net charge-offs to loans | 0.3390% | 775 |
| Credit loss provision to net charge-offs | 67.6336% | 2,493 |
| Earnings coverage of net charge-offs (x) | 6.3304% | 2,799 |
| Efficiency ratio | 70.3324% | 3,277 |
| Assets per employee ($millions) | 4.3166% | 3,274 |
| Cash dividends to net income (ytd only)* | 74.8658% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 5,195 |
| Loan loss allowance to noncurrent loans | 96.1212% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 3,070 |
| Noncurrent loans to loans | 0.9634% | 2,723 |
| Net loans and leases to total assets | 76.0289% | 1,365 |
| Net loans and leases to deposits | 92.1662% | 1,352 |
| Net loans and leases to core deposits | 101.4986% | 1,361 |
| Total domestic deposits to total assets | 82.4910% | 4,129 |
| Equity capital to assets | 14.2810% | 884 |
| Core capital (leverage) ratio | 10.8161% | 2,599 |
| Tier 1 risk-based capital ratio | 11.8052% | 5,274 |
| Total risk-based capital ratio | 12.6529% | 5,454 |
| Memoranda: | ||
| Average total assets | $2,568,191,000 | 316 |
| Average earning assets | $2,303,373,000 | 319 |
| Average equity | $356,641,670 | 274 |
| Average total loans | $1,931,978,000 | 293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,492 |
| Cost of funding earning assets | 0.2575% | 4,934 |
| Net interest margin | 4.2329% | 1,005 |
| Noninterest income to average assets | 2.1277% | 337 |
| Noninterest expense to average assets | 4.4688% | 437 |
| Loan and lease loss provision to assets | 0.1737% | 1,131 |
| Net operating income to assets | 0.9627% | 2,431 |
| Return on assets (ROA) | 0.9627% | 2,566 |
| Pretax return on assets | 1.2819% | 2,347 |
| Return on Equity (ROE) | 7.0436% | 3,486 |
| Retained earnings to average equity (ytd only) | 0.2260% | 5,292 |
| Net charge-offs to loans | 0.1744% | 1,228 |
| Credit loss provision to net charge-offs | 133.9152% | 1,346 |
| Earnings coverage of net charge-offs (x) | 11.2219% | 1,879 |
| Efficiency ratio | 73.8357% | 2,841 |
| Assets per employee ($millions) | 4.3755% | 3,240 |
| Cash dividends to net income (ytd only)* | 96.7910% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,915 |
| Loan loss allowance to noncurrent loans | 106.4369% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 3,230 |
| Noncurrent loans to loans | 0.9597% | 2,858 |
| Net loans and leases to total assets | 74.1725% | 1,476 |
| Net loans and leases to deposits | 89.2268% | 1,477 |
| Net loans and leases to core deposits | 97.7990% | 1,490 |
| Total domestic deposits to total assets | 83.1281% | 4,143 |
| Equity capital to assets | 14.3655% | 870 |
| Core capital (leverage) ratio | 10.8979% | 2,520 |
| Tier 1 risk-based capital ratio | 11.9002% | 5,309 |
| Total risk-based capital ratio | 12.8199% | 5,429 |
| Memoranda: | ||
| Average total assets | $2,473,148,500 | 329 |
| Average earning assets | $2,218,329,500 | 327 |
| Average equity | $338,008,000 | 284 |
| Average total loans | $1,839,623,000 | 302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,177 |
| Cost of funding earning assets | 0.2040% | 5,709 |
| Net interest margin | 3.6822% | 3,076 |
| Noninterest income to average assets | 2.1693% | 301 |
| Noninterest expense to average assets | 4.0386% | 722 |
| Loan and lease loss provision to assets | 0.1648% | 1,590 |
| Net operating income to assets | 0.9657% | 2,553 |
| Return on assets (ROA) | 0.9773% | 2,571 |
| Pretax return on assets | 1.2773% | 2,317 |
| Return on Equity (ROE) | 7.7056% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.2099% | 3,952 |
| Net charge-offs to loans | 0.4689% | 890 |
| Credit loss provision to net charge-offs | 48.4877% | 3,514 |
| Earnings coverage of net charge-offs (x) | 4.1995% | 3,709 |
| Efficiency ratio | 72.2844% | 3,157 |
| Assets per employee ($millions) | 3.8732% | 4,221 |
| Cash dividends to net income (ytd only)* | 58.3435% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 3,611 |
| Loan loss allowance to noncurrent loans | 116.1570% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 3,090 |
| Noncurrent loans to loans | 1.0913% | 2,645 |
| Net loans and leases to total assets | 72.7644% | 1,798 |
| Net loans and leases to deposits | 86.3724% | 1,929 |
| Net loans and leases to core deposits | 88.5633% | 2,437 |
| Total domestic deposits to total assets | 84.2450% | 3,612 |
| Equity capital to assets | 12.8036% | 1,464 |
| Core capital (leverage) ratio | 9.8048% | 3,829 |
| Tier 1 risk-based capital ratio | 11.0378% | 5,891 |
| Total risk-based capital ratio | 12.1511% | 5,878 |
| Memoranda: | ||
| Average total assets | $2,189,148,200 | 339 |
| Average earning assets | $1,959,710,400 | 346 |
| Average equity | $277,640,600 | 308 |
| Average total loans | $1,586,535,400 | 319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 4,188 |
| Cost of funding earning assets | 0.2019% | 5,809 |
| Net interest margin | 3.6940% | 3,043 |
| Noninterest income to average assets | 2.1784% | 301 |
| Noninterest expense to average assets | 4.0295% | 730 |
| Loan and lease loss provision to assets | 0.1807% | 1,358 |
| Net operating income to assets | 0.9670% | 2,610 |
| Return on assets (ROA) | 0.9787% | 2,618 |
| Pretax return on assets | 1.2889% | 2,418 |
| Return on Equity (ROE) | 7.7355% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.2177% | 4,342 |
| Net charge-offs to loans | 0.4816% | 818 |
| Credit loss provision to net charge-offs | 51.9944% | 3,073 |
| Earnings coverage of net charge-offs (x) | 4.1850% | 3,516 |
| Efficiency ratio | 71.9335% | 3,192 |
| Assets per employee ($millions) | 4.1247% | 3,611 |
| Cash dividends to net income (ytd only)* | 58.4040% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 3,354 |
| Loan loss allowance to noncurrent loans | 113.5922% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9131% | 3,162 |
| Noncurrent loans to loans | 1.1975% | 2,653 |
| Net loans and leases to total assets | 71.6485% | 1,916 |
| Net loans and leases to deposits | 84.7739% | 2,061 |
| Net loans and leases to core deposits | 86.8185% | 2,569 |
| Total domestic deposits to total assets | 84.5171% | 3,542 |
| Equity capital to assets | 12.7492% | 1,555 |
| Core capital (leverage) ratio | 9.7639% | 3,974 |
| Tier 1 risk-based capital ratio | 11.1852% | 5,918 |
| Total risk-based capital ratio | 12.3877% | 5,894 |
| Memoranda: | ||
| Average total assets | $2,183,532,750 | 338 |
| Average earning assets | $1,953,856,000 | 342 |
| Average equity | $276,259,500 | 307 |
| Average total loans | $1,575,687,500 | 317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 4,199 |
| Cost of funding earning assets | 0.2035% | 5,877 |
| Net interest margin | 3.6812% | 3,025 |
| Noninterest income to average assets | 2.1339% | 318 |
| Noninterest expense to average assets | 4.0079% | 753 |
| Loan and lease loss provision to assets | 0.2504% | 875 |
| Net operating income to assets | 0.8955% | 2,837 |
| Return on assets (ROA) | 0.9133% | 2,842 |
| Pretax return on assets | 1.1895% | 2,708 |
| Return on Equity (ROE) | 7.2374% | 3,493 |
| Retained earnings to average equity (ytd only) | 2.6942% | 4,489 |
| Net charge-offs to loans | 0.3988% | 1,015 |
| Credit loss provision to net charge-offs | 87.2041% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.9341% | 3,015 |
| Efficiency ratio | 72.3841% | 3,268 |
| Assets per employee ($millions) | 4.1399% | 3,564 |
| Cash dividends to net income (ytd only)* | 62.7741% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 2,858 |
| Loan loss allowance to noncurrent loans | 131.9063% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 3,255 |
| Noncurrent loans to loans | 1.1439% | 2,942 |
| Net loans and leases to total assets | 72.2233% | 1,700 |
| Net loans and leases to deposits | 85.7723% | 1,839 |
| Net loans and leases to core deposits | 88.1274% | 2,303 |
| Total domestic deposits to total assets | 84.2035% | 3,856 |
| Equity capital to assets | 12.7726% | 1,505 |
| Core capital (leverage) ratio | 9.9807% | 3,643 |
| Tier 1 risk-based capital ratio | 11.2209% | 5,944 |
| Total risk-based capital ratio | 12.4719% | 5,887 |
| Memoranda: | ||
| Average total assets | $2,177,176,670 | 336 |
| Average earning assets | $1,946,344,000 | 337 |
| Average equity | $274,741,000 | 307 |
| Average total loans | $1,567,619,330 | 314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 4,093 |
| Cost of funding earning assets | 0.2051% | 5,950 |
| Net interest margin | 3.6929% | 2,889 |
| Noninterest income to average assets | 2.1860% | 292 |
| Noninterest expense to average assets | 3.9480% | 804 |
| Loan and lease loss provision to assets | 0.2710% | 766 |
| Net operating income to assets | 0.9612% | 2,351 |
| Return on assets (ROA) | 0.9808% | 2,341 |
| Pretax return on assets | 1.3013% | 2,086 |
| Return on Equity (ROE) | 7.8200% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.2493% | 4,169 |
| Net charge-offs to loans | 0.3611% | 997 |
| Credit loss provision to net charge-offs | 105.2068% | 1,589 |
| Earnings coverage of net charge-offs (x) | 6.0021% | 2,296 |
| Efficiency ratio | 70.3632% | 3,768 |
| Assets per employee ($millions) | 4.2293% | 3,472 |
| Cash dividends to net income (ytd only)* | 58.4489% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 2,823 |
| Loan loss allowance to noncurrent loans | 123.6511% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 3,291 |
| Noncurrent loans to loans | 1.2717% | 2,904 |
| Net loans and leases to total assets | 70.4626% | 1,808 |
| Net loans and leases to deposits | 83.5324% | 1,871 |
| Net loans and leases to core deposits | 84.6698% | 2,445 |
| Total domestic deposits to total assets | 84.3537% | 4,143 |
| Equity capital to assets | 12.6004% | 1,524 |
| Core capital (leverage) ratio | 9.9177% | 3,683 |
| Tier 1 risk-based capital ratio | 11.2393% | 6,045 |
| Total risk-based capital ratio | 12.4907% | 5,997 |
| Memoranda: | ||
| Average total assets | $2,176,981,000 | 336 |
| Average earning assets | $1,950,224,500 | 341 |
| Average equity | $273,045,000 | 305 |
| Average total loans | $1,553,026,500 | 318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,581 |
| Cost of funding earning assets | 0.2309% | 6,086 |
| Net interest margin | 3.6371% | 3,296 |
| Noninterest income to average assets | 1.9728% | 396 |
| Noninterest expense to average assets | 3.5699% | 1,503 |
| Loan and lease loss provision to assets | 0.5036% | 554 |
| Net operating income to assets | 0.9104% | 2,726 |
| Return on assets (ROA) | 1.0052% | 2,370 |
| Pretax return on assets | 1.3014% | 2,147 |
| Return on Equity (ROE) | 8.1700% | 2,944 |
| Retained earnings to average equity (ytd only) | 1.4323% | 5,180 |
| Net charge-offs to loans | 0.7598% | 833 |
| Credit loss provision to net charge-offs | 97.8049% | 2,540 |
| Earnings coverage of net charge-offs (x) | 3.2662% | 3,913 |
| Efficiency ratio | 67.1099% | 4,353 |
| Assets per employee ($millions) | 4.1207% | 3,597 |
| Cash dividends to net income (ytd only)* | 82.4684% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 2,811 |
| Loan loss allowance to noncurrent loans | 103.5775% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 3,067 |
| Noncurrent loans to loans | 1.5319% | 2,594 |
| Net loans and leases to total assets | 69.9596% | 2,016 |
| Net loans and leases to deposits | 82.2389% | 2,155 |
| Net loans and leases to core deposits | 83.2854% | 2,745 |
| Total domestic deposits to total assets | 85.0688% | 3,705 |
| Equity capital to assets | 12.4840% | 1,518 |
| Core capital (leverage) ratio | 10.1081% | 3,419 |
| Tier 1 risk-based capital ratio | 11.8088% | 5,734 |
| Total risk-based capital ratio | 13.0603% | 5,669 |
| Memoranda: | ||
| Average total assets | $2,229,410,800 | 324 |
| Average earning assets | $2,009,886,000 | 321 |
| Average equity | $274,309,200 | 299 |
| Average total loans | $1,510,891,200 | 307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,650 |
| Cost of funding earning assets | 0.2345% | 6,196 |
| Net interest margin | 3.6214% | 3,354 |
| Noninterest income to average assets | 1.9905% | 423 |
| Noninterest expense to average assets | 3.4929% | 1,622 |
| Loan and lease loss provision to assets | 0.5713% | 442 |
| Net operating income to assets | 0.9086% | 2,791 |
| Return on assets (ROA) | 1.0128% | 2,415 |
| Pretax return on assets | 1.3289% | 2,216 |
| Return on Equity (ROE) | 8.2602% | 2,995 |
| Retained earnings to average equity (ytd only) | 0.8157% | 5,656 |
| Net charge-offs to loans | 0.8451% | 696 |
| Credit loss provision to net charge-offs | 100.9344% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.1153% | 3,795 |
| Efficiency ratio | 65.6918% | 4,546 |
| Assets per employee ($millions) | 4.2219% | 3,379 |
| Cash dividends to net income (ytd only)* | 90.1255% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,903 |
| Loan loss allowance to noncurrent loans | 95.7845% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 3,168 |
| Noncurrent loans to loans | 1.6949% | 2,649 |
| Net loans and leases to total assets | 67.5087% | 2,370 |
| Net loans and leases to deposits | 79.3199% | 2,504 |
| Net loans and leases to core deposits | 80.6246% | 3,057 |
| Total domestic deposits to total assets | 85.1094% | 3,681 |
| Equity capital to assets | 12.1287% | 1,843 |
| Core capital (leverage) ratio | 9.8838% | 3,839 |
| Tier 1 risk-based capital ratio | 11.6594% | 5,973 |
| Total risk-based capital ratio | 12.9112% | 5,934 |
| Memoranda: | ||
| Average total assets | $2,243,858,250 | 321 |
| Average earning assets | $2,023,428,250 | 324 |
| Average equity | $275,110,000 | 297 |
| Average total loans | $1,502,676,250 | 309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 4,687 |
| Cost of funding earning assets | 0.2392% | 6,247 |
| Net interest margin | 3.6017% | 3,351 |
| Noninterest income to average assets | 2.0015% | 445 |
| Noninterest expense to average assets | 3.4754% | 1,664 |
| Loan and lease loss provision to assets | 0.4909% | 566 |
| Net operating income to assets | 0.9591% | 2,517 |
| Return on assets (ROA) | 1.0540% | 2,218 |
| Pretax return on assets | 1.4175% | 1,869 |
| Return on Equity (ROE) | 8.5663% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.0551% | 3,718 |
| Net charge-offs to loans | 0.7429% | 871 |
| Credit loss provision to net charge-offs | 99.4953% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.6078% | 3,347 |
| Efficiency ratio | 65.4206% | 4,645 |
| Assets per employee ($millions) | 4.1296% | 3,517 |
| Cash dividends to net income (ytd only)* | 52.6622% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 2,994 |
| Loan loss allowance to noncurrent loans | 96.0743% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 3,300 |
| Noncurrent loans to loans | 1.7111% | 2,747 |
| Net loans and leases to total assets | 66.3189% | 2,535 |
| Net loans and leases to deposits | 77.9989% | 2,572 |
| Net loans and leases to core deposits | 79.4508% | 3,098 |
| Total domestic deposits to total assets | 85.0254% | 3,878 |
| Equity capital to assets | 12.3142% | 1,697 |
| Core capital (leverage) ratio | 9.8480% | 3,724 |
| Tier 1 risk-based capital ratio | 11.8407% | 5,887 |
| Total risk-based capital ratio | 13.0927% | 5,841 |
| Memoranda: | ||
| Average total assets | $2,248,749,000 | 323 |
| Average earning assets | $2,031,759,670 | 321 |
| Average equity | $276,689,670 | 294 |
| Average total loans | $1,493,658,330 | 307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,777 |
| Cost of funding earning assets | 0.2466% | 6,311 |
| Net interest margin | 3.5679% | 3,392 |
| Noninterest income to average assets | 1.9729% | 439 |
| Noninterest expense to average assets | 3.5155% | 1,590 |
| Loan and lease loss provision to assets | 0.3674% | 873 |
| Net operating income to assets | 0.9891% | 2,274 |
| Return on assets (ROA) | 1.0051% | 2,317 |
| Pretax return on assets | 1.3376% | 2,087 |
| Return on Equity (ROE) | 8.1718% | 2,889 |
| Retained earnings to average equity (ytd only) | 3.6783% | 4,020 |
| Net charge-offs to loans | 0.4294% | 1,383 |
| Credit loss provision to net charge-offs | 129.7872% | 1,522 |
| Earnings coverage of net charge-offs (x) | 5.9481% | 2,298 |
| Efficiency ratio | 66.9960% | 4,490 |
| Assets per employee ($millions) | 4.2918% | 3,354 |
| Cash dividends to net income (ytd only)* | 54.9877% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,043 |
| Loan loss allowance to noncurrent loans | 86.2202% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.4700% | 3,055 |
| Noncurrent loans to loans | 1.9620% | 2,661 |
| Net loans and leases to total assets | 65.5515% | 2,449 |
| Net loans and leases to deposits | 80.3896% | 2,030 |
| Net loans and leases to core deposits | 81.9519% | 2,575 |
| Total domestic deposits to total assets | 81.5423% | 5,345 |
| Equity capital to assets | 12.4509% | 1,741 |
| Core capital (leverage) ratio | 10.5951% | 2,656 |
| Tier 1 risk-based capital ratio | 12.8384% | 5,348 |
| Total risk-based capital ratio | 14.0908% | 5,294 |
| Memoranda: | ||
| Average total assets | $2,258,143,500 | 327 |
| Average earning assets | $2,041,876,000 | 323 |
| Average equity | $277,734,000 | 294 |
| Average total loans | $1,488,686,500 | 313 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 5,025 |
| Cost of funding earning assets | 0.3534% | 6,186 |
| Net interest margin | 3.7244% | 3,545 |
| Noninterest income to average assets | 1.7628% | 526 |
| Noninterest expense to average assets | 3.4273% | 1,993 |
| Loan and lease loss provision to assets | 0.4567% | 1,376 |
| Net operating income to assets | 0.9718% | 2,456 |
| Return on assets (ROA) | 0.9803% | 2,648 |
| Pretax return on assets | 1.2385% | 2,644 |
| Return on Equity (ROE) | 7.7522% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.0507% | 5,851 |
| Net charge-offs to loans | 1.0325% | 1,044 |
| Credit loss provision to net charge-offs | 66.1983% | 4,282 |
| Earnings coverage of net charge-offs (x) | 2.4417% | 4,190 |
| Efficiency ratio | 66.3011% | 4,440 |
| Assets per employee ($millions) | 4.2305% | 3,488 |
| Cash dividends to net income (ytd only)* | 100.6546% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 3,068 |
| Loan loss allowance to noncurrent loans | 75.9709% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 3,133 |
| Noncurrent loans to loans | 2.1914% | 2,477 |
| Net loans and leases to total assets | 64.1004% | 2,878 |
| Net loans and leases to deposits | 77.9555% | 2,542 |
| Net loans and leases to core deposits | 79.9742% | 3,004 |
| Total domestic deposits to total assets | 82.2269% | 5,023 |
| Equity capital to assets | 12.1505% | 1,945 |
| Core capital (leverage) ratio | 10.3139% | 2,995 |
| Tier 1 risk-based capital ratio | 12.9717% | 5,125 |
| Total risk-based capital ratio | 14.2241% | 5,065 |
| Memoranda: | ||
| Average total assets | $2,197,472,400 | 325 |
| Average earning assets | $1,975,848,000 | 324 |
| Average equity | $277,867,800 | 288 |
| Average total loans | $1,468,151,800 | 312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 5,069 |
| Cost of funding earning assets | 0.3710% | 6,268 |
| Net interest margin | 3.7621% | 3,500 |
| Noninterest income to average assets | 1.7381% | 521 |
| Noninterest expense to average assets | 3.4241% | 1,945 |
| Loan and lease loss provision to assets | 0.4688% | 1,321 |
| Net operating income to assets | 0.9730% | 2,644 |
| Return on assets (ROA) | 0.9844% | 2,818 |
| Pretax return on assets | 1.2387% | 2,828 |
| Return on Equity (ROE) | 7.7063% | 3,419 |
| Retained earnings to average equity (ytd only) | -0.6181% | 6,203 |
| Net charge-offs to loans | 0.9499% | 1,130 |
| Credit loss provision to net charge-offs | 73.3960% | 3,811 |
| Earnings coverage of net charge-offs (x) | 2.6509% | 3,974 |
| Efficiency ratio | 66.1935% | 4,415 |
| Assets per employee ($millions) | 4.1850% | 3,506 |
| Cash dividends to net income (ytd only)* | 108.0201% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,687 |
| Loan loss allowance to noncurrent loans | 86.8044% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5650% | 3,246 |
| Noncurrent loans to loans | 2.1153% | 2,710 |
| Net loans and leases to total assets | 65.6798% | 2,715 |
| Net loans and leases to deposits | 81.0716% | 2,241 |
| Net loans and leases to core deposits | 83.2569% | 2,782 |
| Total domestic deposits to total assets | 81.0146% | 5,352 |
| Equity capital to assets | 12.5495% | 1,860 |
| Core capital (leverage) ratio | 10.5003% | 2,908 |
| Tier 1 risk-based capital ratio | 12.9519% | 5,289 |
| Total risk-based capital ratio | 14.2060% | 5,251 |
| Memoranda: | ||
| Average total assets | $2,176,779,250 | 330 |
| Average earning assets | $1,955,124,750 | 328 |
| Average equity | $278,069,500 | 289 |
| Average total loans | $1,463,591,750 | 315 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 5,032 |
| Cost of funding earning assets | 0.3886% | 6,337 |
| Net interest margin | 3.7895% | 3,414 |
| Noninterest income to average assets | 1.7120% | 518 |
| Noninterest expense to average assets | 3.3791% | 2,081 |
| Loan and lease loss provision to assets | 0.5023% | 1,263 |
| Net operating income to assets | 0.9892% | 2,517 |
| Return on assets (ROA) | 1.0060% | 2,655 |
| Pretax return on assets | 1.2540% | 2,712 |
| Return on Equity (ROE) | 7.8284% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.3465% | 4,372 |
| Net charge-offs to loans | 0.6592% | 1,674 |
| Credit loss provision to net charge-offs | 113.1366% | 2,411 |
| Earnings coverage of net charge-offs (x) | 3.9085% | 3,235 |
| Efficiency ratio | 65.3356% | 4,661 |
| Assets per employee ($millions) | 4.1336% | 3,596 |
| Cash dividends to net income (ytd only)* | 57.2516% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 2,036 |
| Loan loss allowance to noncurrent loans | 82.1138% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8996% | 2,905 |
| Noncurrent loans to loans | 2.5325% | 2,377 |
| Net loans and leases to total assets | 66.4362% | 2,584 |
| Net loans and leases to deposits | 82.1279% | 2,094 |
| Net loans and leases to core deposits | 84.9731% | 2,566 |
| Total domestic deposits to total assets | 80.8936% | 5,504 |
| Equity capital to assets | 13.0025% | 1,518 |
| Core capital (leverage) ratio | 10.9854% | 2,307 |
| Tier 1 risk-based capital ratio | 13.7357% | 4,632 |
| Total risk-based capital ratio | 14.9930% | 4,605 |
| Memoranda: | ||
| Average total assets | $2,167,209,330 | 330 |
| Average earning assets | $1,945,828,000 | 330 |
| Average equity | $278,500,000 | 289 |
| Average total loans | $1,459,570,000 | 314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 5,154 |
| Cost of funding earning assets | 0.4035% | 6,393 |
| Net interest margin | 3.7833% | 3,470 |
| Noninterest income to average assets | 1.9441% | 427 |
| Noninterest expense to average assets | 3.3665% | 2,105 |
| Loan and lease loss provision to assets | 0.7558% | 671 |
| Net operating income to assets | 1.0063% | 2,459 |
| Return on assets (ROA) | 1.0404% | 2,514 |
| Pretax return on assets | 1.2637% | 2,679 |
| Return on Equity (ROE) | 8.1443% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.6421% | 4,392 |
| Net charge-offs to loans | 0.9267% | 1,111 |
| Credit loss provision to net charge-offs | 121.5535% | 1,964 |
| Earnings coverage of net charge-offs (x) | 3.1808% | 2,930 |
| Efficiency ratio | 62.3228% | 5,213 |
| Assets per employee ($millions) | 4.3637% | 3,272 |
| Cash dividends to net income (ytd only)* | 55.2799% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 2,120 |
| Loan loss allowance to noncurrent loans | 83.1598% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.9306% | 3,001 |
| Noncurrent loans to loans | 2.5160% | 2,591 |
| Net loans and leases to total assets | 66.1507% | 2,446 |
| Net loans and leases to deposits | 82.4608% | 1,870 |
| Net loans and leases to core deposits | 87.0005% | 2,182 |
| Total domestic deposits to total assets | 80.2209% | 5,798 |
| Equity capital to assets | 12.8478% | 1,515 |
| Core capital (leverage) ratio | 11.0156% | 2,248 |
| Tier 1 risk-based capital ratio | 13.8042% | 4,606 |
| Total risk-based capital ratio | 15.0614% | 4,577 |
| Memoranda: | ||
| Average total assets | $2,169,867,500 | 324 |
| Average earning assets | $1,950,128,000 | 322 |
| Average equity | $277,200,000 | 286 |
| Average total loans | $1,455,964,000 | 311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 5,071 |
| Cost of funding earning assets | 0.5017% | 6,527 |
| Net interest margin | 3.9983% | 2,888 |
| Noninterest income to average assets | 1.5653% | 548 |
| Noninterest expense to average assets | 3.1857% | 2,915 |
| Loan and lease loss provision to assets | 0.8287% | 1,178 |
| Net operating income to assets | 0.9095% | 2,561 |
| Return on assets (ROA) | 0.9604% | 2,491 |
| Pretax return on assets | 1.2129% | 2,409 |
| Return on Equity (ROE) | 7.5126% | 3,142 |
| Retained earnings to average equity (ytd only) | 2.4388% | 4,482 |
| Net charge-offs to loans | 1.2768% | 1,297 |
| Credit loss provision to net charge-offs | 94.4453% | 3,817 |
| Earnings coverage of net charge-offs (x) | 2.2534% | 4,098 |
| Efficiency ratio | 60.8546% | 5,627 |
| Assets per employee ($millions) | 4.3946% | 3,075 |
| Cash dividends to net income (ytd only)* | 67.5371% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 2,102 |
| Loan loss allowance to noncurrent loans | 77.4396% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 2,870 |
| Noncurrent loans to loans | 2.6609% | 2,444 |
| Net loans and leases to total assets | 65.2632% | 2,929 |
| Net loans and leases to deposits | 81.1366% | 2,330 |
| Net loans and leases to core deposits | 86.0250% | 2,633 |
| Total domestic deposits to total assets | 80.4363% | 5,612 |
| Equity capital to assets | 12.7026% | 1,653 |
| Core capital (leverage) ratio | 10.9073% | 2,342 |
| Tier 1 risk-based capital ratio | 13.6329% | 4,603 |
| Total risk-based capital ratio | 14.8896% | 4,559 |
| Memoranda: | ||
| Average total assets | $2,109,159,000 | 325 |
| Average earning assets | $1,897,770,000 | 326 |
| Average equity | $269,640,400 | 289 |
| Average total loans | $1,449,491,800 | 309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 5,001 |
| Cost of funding earning assets | 0.5191% | 6,627 |
| Net interest margin | 4.0514% | 2,685 |
| Noninterest income to average assets | 1.5381% | 556 |
| Noninterest expense to average assets | 3.1852% | 2,868 |
| Loan and lease loss provision to assets | 0.9136% | 974 |
| Net operating income to assets | 0.8649% | 2,886 |
| Return on assets (ROA) | 0.9334% | 2,763 |
| Pretax return on assets | 1.1741% | 2,721 |
| Return on Equity (ROE) | 7.2887% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.6311% | 4,787 |
| Net charge-offs to loans | 1.3094% | 1,179 |
| Credit loss provision to net charge-offs | 100.7306% | 3,339 |
| Earnings coverage of net charge-offs (x) | 2.2064% | 4,025 |
| Efficiency ratio | 60.5663% | 5,628 |
| Assets per employee ($millions) | 4.4570% | 2,993 |
| Cash dividends to net income (ytd only)* | 63.9020% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1557% | 1,951 |
| Loan loss allowance to noncurrent loans | 80.2682% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 2,961 |
| Noncurrent loans to loans | 2.6856% | 2,601 |
| Net loans and leases to total assets | 65.5006% | 3,003 |
| Net loans and leases to deposits | 81.3073% | 2,485 |
| Net loans and leases to core deposits | 86.9502% | 2,645 |
| Total domestic deposits to total assets | 80.5593% | 5,584 |
| Equity capital to assets | 12.7644% | 1,747 |
| Core capital (leverage) ratio | 11.2424% | 2,196 |
| Tier 1 risk-based capital ratio | 14.0636% | 4,309 |
| Total risk-based capital ratio | 15.3217% | 4,275 |
| Memoranda: | ||
| Average total assets | $2,092,615,500 | 331 |
| Average earning assets | $1,884,413,250 | 327 |
| Average equity | $267,969,750 | 294 |
| Average total loans | $1,449,474,000 | 309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 4,801 |
| Cost of funding earning assets | 0.5365% | 6,719 |
| Net interest margin | 4.1014% | 2,406 |
| Noninterest income to average assets | 1.5276% | 545 |
| Noninterest expense to average assets | 3.1827% | 2,965 |
| Loan and lease loss provision to assets | 1.0308% | 832 |
| Net operating income to assets | 0.8112% | 3,022 |
| Return on assets (ROA) | 0.8506% | 2,951 |
| Pretax return on assets | 1.0623% | 3,002 |
| Return on Equity (ROE) | 6.6351% | 3,629 |
| Retained earnings to average equity (ytd only) | 1.9407% | 5,007 |
| Net charge-offs to loans | 1.2368% | 1,263 |
| Credit loss provision to net charge-offs | 118.9496% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.3584% | 3,645 |
| Efficiency ratio | 60.0358% | 5,866 |
| Assets per employee ($millions) | 4.0996% | 3,548 |
| Cash dividends to net income (ytd only)* | 70.7516% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 1,805 |
| Loan loss allowance to noncurrent loans | 73.8047% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.4159% | 2,741 |
| Noncurrent loans to loans | 3.0658% | 2,358 |
| Net loans and leases to total assets | 69.2543% | 2,365 |
| Net loans and leases to deposits | 86.3581% | 1,738 |
| Net loans and leases to core deposits | 89.3168% | 2,461 |
| Total domestic deposits to total assets | 80.1944% | 5,771 |
| Equity capital to assets | 13.2571% | 1,405 |
| Core capital (leverage) ratio | 11.1855% | 2,124 |
| Tier 1 risk-based capital ratio | 14.1931% | 4,021 |
| Total risk-based capital ratio | 15.4531% | 3,986 |
| Memoranda: | ||
| Average total assets | $2,074,062,670 | 340 |
| Average earning assets | $1,870,549,000 | 334 |
| Average equity | $265,888,330 | 292 |
| Average total loans | $1,453,253,670 | 315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 4,998 |
| Cost of funding earning assets | 0.5494% | 6,806 |
| Net interest margin | 4.0391% | 2,519 |
| Noninterest income to average assets | 1.4702% | 595 |
| Noninterest expense to average assets | 3.1537% | 3,058 |
| Loan and lease loss provision to assets | 0.9805% | 789 |
| Net operating income to assets | 0.7955% | 3,054 |
| Return on assets (ROA) | 0.7955% | 3,125 |
| Pretax return on assets | 0.9824% | 3,195 |
| Return on Equity (ROE) | 6.3094% | 3,725 |
| Retained earnings to average equity (ytd only) | 1.5830% | 5,162 |
| Net charge-offs to loans | 0.8847% | 1,498 |
| Credit loss provision to net charge-offs | 159.0458% | 1,805 |
| Earnings coverage of net charge-offs (x) | 3.1840% | 2,823 |
| Efficiency ratio | 60.7667% | 5,867 |
| Assets per employee ($millions) | 4.2379% | 3,370 |
| Cash dividends to net income (ytd only)* | 74.9100% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2724% | 1,813 |
| Loan loss allowance to noncurrent loans | 83.7948% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 2.1718% | 3,103 |
| Noncurrent loans to loans | 2.7119% | 2,786 |
| Net loans and leases to total assets | 67.6615% | 2,627 |
| Net loans and leases to deposits | 84.0903% | 2,013 |
| Net loans and leases to core deposits | 88.5198% | 2,534 |
| Total domestic deposits to total assets | 80.4629% | 5,823 |
| Equity capital to assets | 12.7054% | 1,518 |
| Core capital (leverage) ratio | 11.0428% | 2,157 |
| Tier 1 risk-based capital ratio | 13.8283% | 4,196 |
| Total risk-based capital ratio | 15.0880% | 4,163 |
| Memoranda: | ||
| Average total assets | $2,094,401,000 | 337 |
| Average earning assets | $1,890,835,000 | 331 |
| Average equity | $264,049,000 | 291 |
| Average total loans | $1,459,476,000 | 317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 5,160 |
| Cost of funding earning assets | 0.8693% | 6,299 |
| Net interest margin | 3.9988% | 3,025 |
| Noninterest income to average assets | 1.6367% | 542 |
| Noninterest expense to average assets | 3.3138% | 2,691 |
| Loan and lease loss provision to assets | 1.0417% | 1,547 |
| Net operating income to assets | 0.7338% | 3,079 |
| Return on assets (ROA) | 0.7467% | 3,136 |
| Pretax return on assets | 0.9052% | 3,265 |
| Return on Equity (ROE) | 5.8005% | 3,700 |
| Retained earnings to average equity (ytd only) | 0.6668% | 5,240 |
| Net charge-offs to loans | 1.0658% | 2,078 |
| Credit loss provision to net charge-offs | 139.4439% | 2,726 |
| Earnings coverage of net charge-offs (x) | 2.5851% | 3,811 |
| Efficiency ratio | 62.1453% | 5,705 |
| Assets per employee ($millions) | 4.2159% | 3,359 |
| Cash dividends to net income (ytd only)* | 88.5051% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 2,084 |
| Loan loss allowance to noncurrent loans | 67.2749% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2990% | 2,971 |
| Noncurrent loans to loans | 3.1130% | 2,453 |
| Net loans and leases to total assets | 68.6618% | 2,823 |
| Net loans and leases to deposits | 85.6468% | 2,160 |
| Net loans and leases to core deposits | 90.1297% | 2,750 |
| Total domestic deposits to total assets | 80.1686% | 5,787 |
| Equity capital to assets | 12.5102% | 1,627 |
| Core capital (leverage) ratio | 10.8923% | 2,236 |
| Tier 1 risk-based capital ratio | 13.4495% | 4,251 |
| Total risk-based capital ratio | 14.7072% | 4,215 |
| Memoranda: | ||
| Average total assets | $2,070,212,200 | 338 |
| Average earning assets | $1,868,000,600 | 333 |
| Average equity | $266,509,600 | 282 |
| Average total loans | $1,450,964,400 | 324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 5,250 |
| Cost of funding earning assets | 0.9444% | 6,204 |
| Net interest margin | 3.9597% | 3,293 |
| Noninterest income to average assets | 1.6010% | 547 |
| Noninterest expense to average assets | 3.3445% | 2,445 |
| Loan and lease loss provision to assets | 0.9887% | 1,505 |
| Net operating income to assets | 0.6954% | 3,438 |
| Return on assets (ROA) | 0.7127% | 3,512 |
| Pretax return on assets | 0.8586% | 3,707 |
| Return on Equity (ROE) | 5.4965% | 4,043 |
| Retained earnings to average equity (ytd only) | 0.8279% | 5,478 |
| Net charge-offs to loans | 1.0339% | 1,953 |
| Credit loss provision to net charge-offs | 136.4602% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.5209% | 3,906 |
| Efficiency ratio | 63.6186% | 5,316 |
| Assets per employee ($millions) | 4.2379% | 3,379 |
| Cash dividends to net income (ytd only)* | 84.9378% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 2,313 |
| Loan loss allowance to noncurrent loans | 85.0952% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 3,898 |
| Noncurrent loans to loans | 2.3071% | 3,335 |
| Net loans and leases to total assets | 69.0330% | 2,976 |
| Net loans and leases to deposits | 85.5365% | 2,435 |
| Net loans and leases to core deposits | 90.0590% | 3,082 |
| Total domestic deposits to total assets | 80.7059% | 5,475 |
| Equity capital to assets | 12.8922% | 1,633 |
| Core capital (leverage) ratio | 10.9502% | 2,294 |
| Tier 1 risk-based capital ratio | 13.5372% | 4,173 |
| Total risk-based capital ratio | 14.7934% | 4,120 |
| Memoranda: | ||
| Average total assets | $2,061,830,250 | 337 |
| Average earning assets | $1,858,867,250 | 331 |
| Average equity | $267,341,250 | 276 |
| Average total loans | $1,444,864,500 | 327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,391 |
| Cost of funding earning assets | 1.0125% | 6,082 |
| Net interest margin | 3.8861% | 3,510 |
| Noninterest income to average assets | 1.5832% | 517 |
| Noninterest expense to average assets | 3.3258% | 2,484 |
| Loan and lease loss provision to assets | 0.9510% | 1,543 |
| Net operating income to assets | 0.6802% | 3,481 |
| Return on assets (ROA) | 0.6796% | 3,632 |
| Pretax return on assets | 0.8095% | 3,849 |
| Return on Equity (ROE) | 5.2312% | 4,166 |
| Retained earnings to average equity (ytd only) | 0.5505% | 5,543 |
| Net charge-offs to loans | 0.7589% | 2,341 |
| Credit loss provision to net charge-offs | 179.1154% | 2,187 |
| Earnings coverage of net charge-offs (x) | 3.3171% | 3,368 |
| Efficiency ratio | 64.2916% | 5,280 |
| Assets per employee ($millions) | 4.0726% | 3,626 |
| Cash dividends to net income (ytd only)* | 89.4767% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,168 |
| Loan loss allowance to noncurrent loans | 94.4576% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 4,087 |
| Noncurrent loans to loans | 2.1229% | 3,563 |
| Net loans and leases to total assets | 68.8937% | 3,150 |
| Net loans and leases to deposits | 87.8271% | 2,203 |
| Net loans and leases to core deposits | 91.9397% | 3,000 |
| Total domestic deposits to total assets | 78.4424% | 6,167 |
| Equity capital to assets | 12.9855% | 1,576 |
| Core capital (leverage) ratio | 11.0418% | 2,208 |
| Tier 1 risk-based capital ratio | 13.6716% | 3,963 |
| Total risk-based capital ratio | 14.9284% | 3,915 |
| Memoranda: | ||
| Average total assets | $2,052,676,670 | 337 |
| Average earning assets | $1,850,718,000 | 332 |
| Average equity | $266,669,670 | 274 |
| Average total loans | $1,436,091,670 | 334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 5,563 |
| Cost of funding earning assets | 1.1021% | 5,897 |
| Net interest margin | 3.7770% | 3,886 |
| Noninterest income to average assets | 1.5845% | 488 |
| Noninterest expense to average assets | 3.3046% | 2,520 |
| Loan and lease loss provision to assets | 0.9567% | 1,312 |
| Net operating income to assets | 0.6183% | 3,814 |
| Return on assets (ROA) | 0.6188% | 3,945 |
| Pretax return on assets | 0.7231% | 4,157 |
| Return on Equity (ROE) | 4.7619% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.0692% | 5,795 |
| Net charge-offs to loans | 0.7360% | 2,034 |
| Credit loss provision to net charge-offs | 186.2633% | 1,968 |
| Earnings coverage of net charge-offs (x) | 3.2694% | 2,959 |
| Efficiency ratio | 65.1255% | 5,286 |
| Assets per employee ($millions) | 4.1716% | 3,516 |
| Cash dividends to net income (ytd only)* | 98.5471% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 2,472 |
| Loan loss allowance to noncurrent loans | 76.9789% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 3,719 |
| Noncurrent loans to loans | 2.4604% | 3,209 |
| Net loans and leases to total assets | 68.7234% | 3,226 |
| Net loans and leases to deposits | 88.5234% | 2,130 |
| Net loans and leases to core deposits | 90.4019% | 3,310 |
| Total domestic deposits to total assets | 77.6330% | 6,418 |
| Equity capital to assets | 13.0327% | 1,515 |
| Core capital (leverage) ratio | 11.2936% | 2,037 |
| Tier 1 risk-based capital ratio | 13.8805% | 3,741 |
| Total risk-based capital ratio | 15.1361% | 3,699 |
| Memoranda: | ||
| Average total assets | $2,046,610,500 | 349 |
| Average earning assets | $1,842,013,000 | 347 |
| Average equity | $265,942,000 | 281 |
| Average total loans | $1,428,321,500 | 345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 5,850 |
| Cost of funding earning assets | 1.4701% | 5,635 |
| Net interest margin | 3.6851% | 4,200 |
| Noninterest income to average assets | 1.4607% | 675 |
| Noninterest expense to average assets | 3.1041% | 3,725 |
| Loan and lease loss provision to assets | 1.0136% | 2,253 |
| Net operating income to assets | 0.5846% | 3,387 |
| Return on assets (ROA) | 0.6605% | 3,147 |
| Pretax return on assets | 0.7707% | 3,341 |
| Return on Equity (ROE) | 5.8281% | 3,282 |
| Retained earnings to average equity (ytd only) | -0.0308% | 4,937 |
| Net charge-offs to loans | 0.6347% | 3,295 |
| Credit loss provision to net charge-offs | 226.8738% | 1,640 |
| Earnings coverage of net charge-offs (x) | 3.7961% | 3,193 |
| Efficiency ratio | 63.3782% | 5,894 |
| Assets per employee ($millions) | 4.2866% | 3,290 |
| Cash dividends to net income (ytd only)* | 100.5290% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 2,760 |
| Loan loss allowance to noncurrent loans | 72.4579% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.8337% | 3,623 |
| Noncurrent loans to loans | 2.3972% | 3,163 |
| Net loans and leases to total assets | 68.3230% | 3,632 |
| Net loans and leases to deposits | 89.5409% | 2,292 |
| Net loans and leases to core deposits | 97.5683% | 4,272 |
| Total domestic deposits to total assets | 76.3037% | 6,618 |
| Equity capital to assets | 12.9560% | 1,525 |
| Core capital (leverage) ratio | 10.9683% | 2,244 |
| Tier 1 risk-based capital ratio | 13.8786% | 3,580 |
| Total risk-based capital ratio | 15.1325% | 3,526 |
| Memoranda: | ||
| Average total assets | $2,060,597,800 | 345 |
| Average earning assets | $1,867,255,800 | 340 |
| Average equity | $233,524,600 | 306 |
| Average total loans | $1,450,434,600 | 346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 5,857 |
| Cost of funding earning assets | 1.5208% | 5,743 |
| Net interest margin | 3.6838% | 4,144 |
| Noninterest income to average assets | 1.4265% | 734 |
| Noninterest expense to average assets | 3.0764% | 3,741 |
| Loan and lease loss provision to assets | 0.8687% | 2,211 |
| Net operating income to assets | 0.6836% | 3,267 |
| Return on assets (ROA) | 0.7024% | 3,258 |
| Pretax return on assets | 0.8488% | 3,382 |
| Return on Equity (ROE) | 6.4270% | 3,334 |
| Retained earnings to average equity (ytd only) | 0.8897% | 4,812 |
| Net charge-offs to loans | 0.4221% | 3,573 |
| Credit loss provision to net charge-offs | 291.4751% | 1,427 |
| Earnings coverage of net charge-offs (x) | 5.6868% | 2,754 |
| Efficiency ratio | 63.1763% | 5,894 |
| Assets per employee ($millions) | 4.3765% | 3,079 |
| Cash dividends to net income (ytd only)* | 86.1574% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 3,380 |
| Loan loss allowance to noncurrent loans | 65.0010% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 3,701 |
| Noncurrent loans to loans | 2.3242% | 3,235 |
| Net loans and leases to total assets | 68.3866% | 3,867 |
| Net loans and leases to deposits | 92.4822% | 2,157 |
| Net loans and leases to core deposits | 103.5769% | 3,985 |
| Total domestic deposits to total assets | 73.9457% | 6,950 |
| Equity capital to assets | 12.9303% | 1,725 |
| Core capital (leverage) ratio | 11.0181% | 2,392 |
| Tier 1 risk-based capital ratio | 13.6041% | 3,774 |
| Total risk-based capital ratio | 14.8551% | 3,716 |
| Memoranda: | ||
| Average total assets | $2,062,422,750 | 360 |
| Average earning assets | $1,872,532,250 | 351 |
| Average equity | $225,399,250 | 325 |
| Average total loans | $1,456,125,000 | 363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 5,875 |
| Cost of funding earning assets | 1.5868% | 5,784 |
| Net interest margin | 3.6621% | 4,107 |
| Noninterest income to average assets | 1.4694% | 682 |
| Noninterest expense to average assets | 3.1379% | 3,549 |
| Loan and lease loss provision to assets | 0.7317% | 2,239 |
| Net operating income to assets | 0.7418% | 3,083 |
| Return on assets (ROA) | 0.7670% | 3,085 |
| Pretax return on assets | 0.9536% | 3,166 |
| Return on Equity (ROE) | 7.4841% | 2,988 |
| Retained earnings to average equity (ytd only) | 1.5506% | 4,465 |
| Net charge-offs to loans | 0.2474% | 3,961 |
| Credit loss provision to net charge-offs | 416.4725% | 1,114 |
| Earnings coverage of net charge-offs (x) | 9.4132% | 2,134 |
| Efficiency ratio | 64.1776% | 5,881 |
| Assets per employee ($millions) | 4.2938% | 3,129 |
| Cash dividends to net income (ytd only)* | 79.2810% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 4,375 |
| Loan loss allowance to noncurrent loans | 247.6842% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 6,177 |
| Noncurrent loans to loans | 0.5184% | 6,236 |
| Net loans and leases to total assets | 70.2172% | 3,643 |
| Net loans and leases to deposits | 91.9457% | 2,477 |
| Net loans and leases to core deposits | 101.6245% | 4,324 |
| Total domestic deposits to total assets | 76.3681% | 6,473 |
| Equity capital to assets | 10.2590% | 3,657 |
| Core capital (leverage) ratio | 8.3648% | 5,689 |
| Tier 1 risk-based capital ratio | 10.1326% | 6,796 |
| Total risk-based capital ratio | 11.2816% | 6,812 |
| Memoranda: | ||
| Average total assets | $2,052,576,670 | 367 |
| Average earning assets | $1,862,115,000 | 359 |
| Average equity | $210,366,670 | 357 |
| Average total loans | $1,457,311,000 | 372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 6,103 |
| Cost of funding earning assets | 1.6677% | 5,748 |
| Net interest margin | 3.5850% | 4,382 |
| Noninterest income to average assets | 1.4595% | 658 |
| Noninterest expense to average assets | 3.0813% | 3,445 |
| Loan and lease loss provision to assets | 0.4210% | 2,819 |
| Net operating income to assets | 0.9242% | 2,598 |
| Return on assets (ROA) | 0.9299% | 2,714 |
| Pretax return on assets | 1.2121% | 2,585 |
| Return on Equity (ROE) | 9.0778% | 2,678 |
| Retained earnings to average equity (ytd only) | 3.1301% | 4,133 |
| Net charge-offs to loans | 0.1525% | 3,737 |
| Credit loss provision to net charge-offs | 389.1697% | 1,325 |
| Earnings coverage of net charge-offs (x) | 15.0271% | 1,629 |
| Efficiency ratio | 64.1263% | 5,669 |
| Assets per employee ($millions) | 4.2730% | 3,126 |
| Cash dividends to net income (ytd only)* | 65.5187% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,103 |
| Loan loss allowance to noncurrent loans | 254.4952% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 6,239 |
| Noncurrent loans to loans | 0.3974% | 6,425 |
| Net loans and leases to total assets | 70.5403% | 3,568 |
| Net loans and leases to deposits | 91.1255% | 2,754 |
| Net loans and leases to core deposits | 101.6127% | 4,388 |
| Total domestic deposits to total assets | 77.4100% | 6,178 |
| Equity capital to assets | 10.3345% | 3,621 |
| Core capital (leverage) ratio | 8.4265% | 5,668 |
| Tier 1 risk-based capital ratio | 10.2219% | 6,690 |
| Total risk-based capital ratio | 11.1318% | 6,949 |
| Memoranda: | ||
| Average total assets | $2,048,361,500 | 369 |
| Average earning assets | $1,855,523,000 | 365 |
| Average equity | $209,830,500 | 355 |
| Average total loans | $1,452,964,000 | 373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9303% | 5,897 |
| Cost of funding earning assets | 2.2260% | 5,475 |
| Net interest margin | 3.7043% | 4,457 |
| Noninterest income to average assets | 1.3828% | 751 |
| Noninterest expense to average assets | 2.8403% | 4,645 |
| Loan and lease loss provision to assets | 0.4354% | 3,115 |
| Net operating income to assets | 1.1346% | 2,012 |
| Return on assets (ROA) | 1.1424% | 1,895 |
| Pretax return on assets | 1.4724% | 1,757 |
| Return on Equity (ROE) | 11.2527% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.0421% | 2,618 |
| Net charge-offs to loans | 0.6237% | 1,972 |
| Credit loss provision to net charge-offs | 100.3663% | 5,280 |
| Earnings coverage of net charge-offs (x) | 4.3746% | 4,006 |
| Efficiency ratio | 59.4016% | 6,456 |
| Assets per employee ($millions) | 4.4272% | 2,733 |
| Cash dividends to net income (ytd only)* | 64.0789% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,657 |
| Loan loss allowance to noncurrent loans | 212.4717% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 6,336 |
| Noncurrent loans to loans | 0.4257% | 6,063 |
| Net loans and leases to total assets | 69.9683% | 4,020 |
| Net loans and leases to deposits | 93.9050% | 2,782 |
| Net loans and leases to core deposits | 103.4545% | 4,446 |
| Total domestic deposits to total assets | 74.5097% | 6,552 |
| Equity capital to assets | 10.1536% | 3,862 |
| Core capital (leverage) ratio | 8.4550% | 5,645 |
| Tier 1 risk-based capital ratio | 10.1300% | 6,596 |
| Total risk-based capital ratio | 10.9432% | 7,000 |
| Memoranda: | ||
| Average total assets | $2,013,869,000 | 360 |
| Average earning assets | $1,824,179,000 | 357 |
| Average equity | $204,448,200 | 367 |
| Average total loans | $1,400,786,600 | 373 |