Home > West Suburban Bank > Performance and Condition Ratios
West Suburban Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6735% | 4,436 |
| Cost of funding earning assets | 0.1617% | 4,002 |
| Net interest margin | 2.5119% | 4,256 |
| Noninterest income to average assets | 0.8109% | 1,488 |
| Noninterest expense to average assets | 1.9970% | 3,681 |
| Loan and lease loss provision to assets | 0.0115% | 2,757 |
| Net operating income to assets | 0.8704% | 3,323 |
| Return on assets (ROA) | 0.8704% | 3,398 |
| Pretax return on assets | 1.1848% | 2,979 |
| Return on Equity (ROE) | 10.5028% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.1096% | 2,374 |
| Net charge-offs to loans | -0.0211% | 3,989 |
| Credit loss provision to net charge-offs | -104.1667% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5361% | 2,608 |
| Assets per employee ($millions) | 7.9486% | 1,295 |
| Cash dividends to net income (ytd only)* | 32.3076% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,826 |
| Loan loss allowance to noncurrent loans | 81.3279% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 661 |
| Noncurrent loans to loans | 1.5161% | 687 |
| Net loans and leases to total assets | 52.7548% | 3,116 |
| Net loans and leases to deposits | 58.0612% | 3,404 |
| Net loans and leases to core deposits | 58.8120% | 3,560 |
| Total domestic deposits to total assets | 90.8607% | 412 |
| Equity capital to assets | 8.3983% | 4,274 |
| Core capital (leverage) ratio | 8.1740% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5483% | 2,528 |
| Memoranda: | ||
| Average total assets | $2,892,300,750 | 387 |
| Average earning assets | $2,743,296,500 | 378 |
| Average equity | $239,687,750 | 464 |
| Average total loans | $1,519,915,250 | 474 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6130% | 4,535 |
| Cost of funding earning assets | 0.1650% | 4,085 |
| Net interest margin | 2.4481% | 4,370 |
| Noninterest income to average assets | 1.0265% | 1,030 |
| Noninterest expense to average assets | 1.9346% | 3,876 |
| Loan and lease loss provision to assets | 0.0173% | 2,609 |
| Net operating income to assets | 1.0193% | 2,831 |
| Return on assets (ROA) | 1.0193% | 2,904 |
| Pretax return on assets | 1.3941% | 2,360 |
| Return on Equity (ROE) | 12.3558% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.2582% | 1,323 |
| Net charge-offs to loans | -0.0209% | 4,015 |
| Credit loss provision to net charge-offs | -158.2278% | 3,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8187% | 3,310 |
| Assets per employee ($millions) | 7.4477% | 1,509 |
| Cash dividends to net income (ytd only)* | 16.9768% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,737 |
| Loan loss allowance to noncurrent loans | 83.8371% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 804 |
| Noncurrent loans to loans | 1.4765% | 771 |
| Net loans and leases to total assets | 51.0837% | 3,441 |
| Net loans and leases to deposits | 57.7390% | 3,566 |
| Net loans and leases to core deposits | 58.5310% | 3,727 |
| Total domestic deposits to total assets | 88.4734% | 1,578 |
| Equity capital to assets | 8.1917% | 4,437 |
| Core capital (leverage) ratio | 8.0904% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8358% | 2,427 |
| Memoranda: | ||
| Average total assets | $2,889,322,667 | 387 |
| Average earning assets | $2,737,659,667 | 377 |
| Average equity | $238,365,333 | 464 |
| Average total loans | $1,510,004,000 | 478 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5629% | 4,605 |
| Cost of funding earning assets | 0.1697% | 4,167 |
| Net interest margin | 2.3932% | 4,418 |
| Noninterest income to average assets | 1.7079% | 486 |
| Noninterest expense to average assets | 2.0347% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4062% | 1,561 |
| Return on assets (ROA) | 1.4062% | 1,631 |
| Pretax return on assets | 1.9386% | 1,053 |
| Return on Equity (ROE) | 16.9831% | 852 |
| Retained earnings to average equity (ytd only) | 12.7429% | 969 |
| Net charge-offs to loans | -0.0003% | 3,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2088% | 4,074 |
| Assets per employee ($millions) | 7.6656% | 1,365 |
| Cash dividends to net income (ytd only)* | 24.9675% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,735 |
| Loan loss allowance to noncurrent loans | 75.8319% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 796 |
| Noncurrent loans to loans | 1.6307% | 745 |
| Net loans and leases to total assets | 50.5170% | 3,578 |
| Net loans and leases to deposits | 55.8025% | 3,806 |
| Net loans and leases to core deposits | 56.6124% | 3,933 |
| Total domestic deposits to total assets | 90.5282% | 576 |
| Equity capital to assets | 8.1229% | 4,416 |
| Core capital (leverage) ratio | 8.3821% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4583% | 2,101 |
| Memoranda: | ||
| Average total assets | $2,848,171,000 | 391 |
| Average earning assets | $2,696,129,500 | 379 |
| Average equity | $235,834,000 | 462 |
| Average total loans | $1,496,485,000 | 481 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8706% | 4,718 |
| Cost of funding earning assets | 0.3066% | 4,102 |
| Net interest margin | 2.5640% | 4,532 |
| Noninterest income to average assets | 0.6128% | 2,169 |
| Noninterest expense to average assets | 2.2934% | 3,417 |
| Loan and lease loss provision to assets | 0.2370% | 1,639 |
| Net operating income to assets | 0.3845% | 4,277 |
| Return on assets (ROA) | 0.4346% | 4,258 |
| Pretax return on assets | 0.5586% | 4,166 |
| Return on Equity (ROE) | 4.8583% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.1963% | 2,714 |
| Net charge-offs to loans | 0.1203% | 1,288 |
| Credit loss provision to net charge-offs | 364.9240% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.2736% | 2,410 |
| Efficiency ratio | 75.8015% | 1,256 |
| Assets per employee ($millions) | 6.8306% | 1,692 |
| Cash dividends to net income (ytd only)* | 13.6265% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,672 |
| Loan loss allowance to noncurrent loans | 64.3954% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 661 |
| Noncurrent loans to loans | 1.9439% | 606 |
| Net loans and leases to total assets | 53.3546% | 3,544 |
| Net loans and leases to deposits | 59.0472% | 3,821 |
| Net loans and leases to core deposits | 59.9584% | 3,946 |
| Total domestic deposits to total assets | 90.3593% | 429 |
| Equity capital to assets | 8.4484% | 4,485 |
| Core capital (leverage) ratio | 8.4674% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8857% | 1,891 |
| Memoranda: | ||
| Average total assets | $2,532,986,600 | 391 |
| Average earning assets | $2,383,567,200 | 382 |
| Average equity | $226,580,800 | 460 |
| Average total loans | $1,366,858,200 | 492 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 4,728 |
| Cost of funding earning assets | 0.3462% | 4,076 |
| Net interest margin | 2.6586% | 4,515 |
| Noninterest income to average assets | 0.6830% | 1,848 |
| Noninterest expense to average assets | 2.3957% | 3,144 |
| Loan and lease loss provision to assets | 0.3230% | 1,215 |
| Net operating income to assets | 0.3657% | 4,332 |
| Return on assets (ROA) | 0.4110% | 4,306 |
| Pretax return on assets | 0.5175% | 4,250 |
| Return on Equity (ROE) | 4.5244% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.6359% | 3,234 |
| Net charge-offs to loans | 0.0718% | 1,596 |
| Credit loss provision to net charge-offs | 833.7500% | 950 |
| Earnings coverage of net charge-offs (x) | 20.2167% | 1,908 |
| Efficiency ratio | 75.3635% | 1,263 |
| Assets per employee ($millions) | 5.9461% | 2,311 |
| Cash dividends to net income (ytd only)* | 19.6386% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,972 |
| Loan loss allowance to noncurrent loans | 83.7031% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 939 |
| Noncurrent loans to loans | 1.6089% | 873 |
| Net loans and leases to total assets | 54.1054% | 3,795 |
| Net loans and leases to deposits | 59.6876% | 4,078 |
| Net loans and leases to core deposits | 60.7124% | 4,166 |
| Total domestic deposits to total assets | 90.6477% | 249 |
| Equity capital to assets | 8.7038% | 4,328 |
| Core capital (leverage) ratio | 8.5296% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2288% | 1,756 |
| Memoranda: | ||
| Average total assets | $2,478,049,500 | 388 |
| Average earning assets | $2,326,396,250 | 380 |
| Average equity | $225,085,750 | 452 |
| Average total loans | $1,336,740,250 | 492 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1989% | 4,719 |
| Cost of funding earning assets | 0.3919% | 4,068 |
| Net interest margin | 2.8070% | 4,439 |
| Noninterest income to average assets | 0.6282% | 2,020 |
| Noninterest expense to average assets | 2.4654% | 3,057 |
| Loan and lease loss provision to assets | 0.3776% | 1,102 |
| Net operating income to assets | 0.3234% | 4,374 |
| Return on assets (ROA) | 0.3929% | 4,304 |
| Pretax return on assets | 0.5022% | 4,244 |
| Return on Equity (ROE) | 4.2607% | 4,036 |
| Retained earnings to average equity (ytd only) | 2.9174% | 3,421 |
| Net charge-offs to loans | 0.0712% | 1,538 |
| Credit loss provision to net charge-offs | 989.8268% | 800 |
| Earnings coverage of net charge-offs (x) | 20.7576% | 1,676 |
| Efficiency ratio | 75.6889% | 1,294 |
| Assets per employee ($millions) | 5.7074% | 2,439 |
| Cash dividends to net income (ytd only)* | 31.5259% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,075 |
| Loan loss allowance to noncurrent loans | 87.7400% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 1,072 |
| Noncurrent loans to loans | 1.4650% | 1,041 |
| Net loans and leases to total assets | 53.7371% | 3,896 |
| Net loans and leases to deposits | 59.6955% | 4,134 |
| Net loans and leases to core deposits | 60.4125% | 4,238 |
| Total domestic deposits to total assets | 90.0186% | 395 |
| Equity capital to assets | 8.6411% | 4,394 |
| Core capital (leverage) ratio | 8.7010% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2281% | 1,720 |
| Memoranda: | ||
| Average total assets | $2,422,056,667 | 391 |
| Average earning assets | $2,268,548,333 | 380 |
| Average equity | $223,346,000 | 453 |
| Average total loans | $1,298,591,000 | 497 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 4,596 |
| Cost of funding earning assets | 0.5013% | 3,940 |
| Net interest margin | 3.0387% | 4,216 |
| Noninterest income to average assets | 0.3937% | 3,150 |
| Noninterest expense to average assets | 2.7187% | 2,660 |
| Loan and lease loss provision to assets | 0.1505% | 1,894 |
| Net operating income to assets | 0.3050% | 4,335 |
| Return on assets (ROA) | 0.3050% | 4,356 |
| Pretax return on assets | 0.3691% | 4,354 |
| Return on Equity (ROE) | 3.1933% | 4,166 |
| Retained earnings to average equity (ytd only) | 0.4856% | 3,884 |
| Net charge-offs to loans | 0.1278% | 950 |
| Credit loss provision to net charge-offs | 221.5736% | 1,360 |
| Earnings coverage of net charge-offs (x) | 7.6497% | 1,907 |
| Efficiency ratio | 83.9553% | 833 |
| Assets per employee ($millions) | 5.0134% | 2,631 |
| Cash dividends to net income (ytd only)* | 84.7937% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,707 |
| Loan loss allowance to noncurrent loans | 86.9711% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 1,235 |
| Noncurrent loans to loans | 1.3716% | 1,173 |
| Net loans and leases to total assets | 52.2555% | 4,099 |
| Net loans and leases to deposits | 58.1884% | 4,280 |
| Net loans and leases to core deposits | 58.9448% | 4,400 |
| Total domestic deposits to total assets | 89.8039% | 385 |
| Equity capital to assets | 9.6192% | 4,117 |
| Core capital (leverage) ratio | 9.4224% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9181% | 1,934 |
| Memoranda: | ||
| Average total assets | $2,320,373,500 | 394 |
| Average earning assets | $2,172,104,000 | 383 |
| Average equity | $221,586,500 | 457 |
| Average total loans | $1,233,288,500 | 500 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 4,456 |
| Cost of funding earning assets | 0.6379% | 3,468 |
| Net interest margin | 3.2492% | 4,085 |
| Noninterest income to average assets | 0.4208% | 3,172 |
| Noninterest expense to average assets | 2.5357% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6904% | 3,897 |
| Return on assets (ROA) | 0.6904% | 3,962 |
| Pretax return on assets | 0.9055% | 3,728 |
| Return on Equity (ROE) | 7.2690% | 3,455 |
| Retained earnings to average equity (ytd only) | 0.3475% | 4,595 |
| Net charge-offs to loans | 0.0886% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.2214% | 2,014 |
| Efficiency ratio | 73.6858% | 1,640 |
| Assets per employee ($millions) | 5.0316% | 2,553 |
| Cash dividends to net income (ytd only)* | 95.2200% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,652 |
| Loan loss allowance to noncurrent loans | 87.0308% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 1,185 |
| Noncurrent loans to loans | 1.3310% | 1,124 |
| Net loans and leases to total assets | 52.7994% | 4,166 |
| Net loans and leases to deposits | 58.7028% | 4,345 |
| Net loans and leases to core deposits | 59.4863% | 4,463 |
| Total domestic deposits to total assets | 89.9435% | 338 |
| Equity capital to assets | 9.4790% | 4,372 |
| Core capital (leverage) ratio | 9.5036% | 4,059 |
| Tier 1 risk-based capital ratio | 14.1002% | 3,215 |
| Total risk-based capital ratio | 15.0222% | 3,287 |
| Memoranda: | ||
| Average total assets | $2,281,834,000 | 378 |
| Average earning assets | $2,121,208,400 | 369 |
| Average equity | $216,714,600 | 447 |
| Average total loans | $1,213,596,000 | 490 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 4,421 |
| Cost of funding earning assets | 0.6530% | 3,439 |
| Net interest margin | 3.3158% | 4,066 |
| Noninterest income to average assets | 0.3850% | 3,408 |
| Noninterest expense to average assets | 2.5264% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7114% | 3,976 |
| Return on assets (ROA) | 0.7114% | 4,047 |
| Pretax return on assets | 0.9351% | 3,778 |
| Return on Equity (ROE) | 7.4863% | 3,511 |
| Retained earnings to average equity (ytd only) | 0.7052% | 4,624 |
| Net charge-offs to loans | -0.0176% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9854% | 1,699 |
| Assets per employee ($millions) | 4.7954% | 2,799 |
| Cash dividends to net income (ytd only)* | 90.5797% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,083 |
| Loan loss allowance to noncurrent loans | 90.4448% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 1,227 |
| Noncurrent loans to loans | 1.4118% | 1,078 |
| Net loans and leases to total assets | 52.9292% | 4,258 |
| Net loans and leases to deposits | 58.9825% | 4,427 |
| Net loans and leases to core deposits | 59.7912% | 4,543 |
| Total domestic deposits to total assets | 89.7370% | 359 |
| Equity capital to assets | 9.6662% | 4,318 |
| Core capital (leverage) ratio | 9.6130% | 4,055 |
| Tier 1 risk-based capital ratio | 14.4265% | 3,119 |
| Total risk-based capital ratio | 15.4496% | 3,132 |
| Memoranda: | ||
| Average total assets | $2,276,171,500 | 380 |
| Average earning assets | $2,111,955,750 | 371 |
| Average equity | $216,282,500 | 449 |
| Average total loans | $1,209,241,750 | 494 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 4,290 |
| Cost of funding earning assets | 0.6551% | 3,380 |
| Net interest margin | 3.3913% | 3,924 |
| Noninterest income to average assets | 0.4308% | 3,059 |
| Noninterest expense to average assets | 2.5393% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7836% | 3,713 |
| Return on assets (ROA) | 0.7836% | 3,773 |
| Pretax return on assets | 1.0356% | 3,430 |
| Return on Equity (ROE) | 8.2944% | 3,167 |
| Retained earnings to average equity (ytd only) | 1.7963% | 4,178 |
| Net charge-offs to loans | -0.0108% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0311% | 2,064 |
| Assets per employee ($millions) | 4.6946% | 2,888 |
| Cash dividends to net income (ytd only)* | 78.3436% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,172 |
| Loan loss allowance to noncurrent loans | 97.2898% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 1,229 |
| Noncurrent loans to loans | 1.2992% | 1,214 |
| Net loans and leases to total assets | 52.6180% | 4,317 |
| Net loans and leases to deposits | 58.7913% | 4,485 |
| Net loans and leases to core deposits | 59.5831% | 4,588 |
| Total domestic deposits to total assets | 89.4997% | 475 |
| Equity capital to assets | 9.5611% | 4,345 |
| Core capital (leverage) ratio | 9.5579% | 4,093 |
| Tier 1 risk-based capital ratio | 14.3910% | 3,122 |
| Total risk-based capital ratio | 15.4017% | 3,159 |
| Memoranda: | ||
| Average total assets | $2,280,419,330 | 379 |
| Average earning assets | $2,114,175,330 | 371 |
| Average equity | $215,447,330 | 448 |
| Average total loans | $1,207,819,330 | 495 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 4,057 |
| Cost of funding earning assets | 0.6324% | 3,393 |
| Net interest margin | 3.4961% | 3,603 |
| Noninterest income to average assets | 0.4259% | 3,005 |
| Noninterest expense to average assets | 2.5604% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8501% | 3,452 |
| Return on assets (ROA) | 0.8501% | 3,497 |
| Pretax return on assets | 1.1258% | 3,064 |
| Return on Equity (ROE) | 9.0521% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.4413% | 3,536 |
| Net charge-offs to loans | -0.0442% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4587% | 2,428 |
| Assets per employee ($millions) | 4.6545% | 2,976 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,096 |
| Loan loss allowance to noncurrent loans | 84.5716% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,139 |
| Noncurrent loans to loans | 1.5368% | 1,045 |
| Net loans and leases to total assets | 50.9864% | 4,409 |
| Net loans and leases to deposits | 56.7039% | 4,563 |
| Net loans and leases to core deposits | 57.4196% | 4,658 |
| Total domestic deposits to total assets | 89.9168% | 481 |
| Equity capital to assets | 9.3755% | 4,361 |
| Core capital (leverage) ratio | 9.6681% | 3,950 |
| Tier 1 risk-based capital ratio | 14.7675% | 2,978 |
| Total risk-based capital ratio | 15.8097% | 3,002 |
| Memoranda: | ||
| Average total assets | $2,277,485,500 | 381 |
| Average earning assets | $2,123,843,500 | 372 |
| Average equity | $213,874,000 | 450 |
| Average total loans | $1,202,529,500 | 500 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,673 |
| Cost of funding earning assets | 0.3674% | 4,181 |
| Net interest margin | 3.3310% | 4,177 |
| Noninterest income to average assets | 0.3834% | 3,538 |
| Noninterest expense to average assets | 2.4053% | 3,864 |
| Loan and lease loss provision to assets | 0.0417% | 3,355 |
| Net operating income to assets | 0.8159% | 3,746 |
| Return on assets (ROA) | 0.8156% | 3,747 |
| Pretax return on assets | 1.0373% | 3,485 |
| Return on Equity (ROE) | 8.8065% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.5828% | 4,109 |
| Net charge-offs to loans | 0.0935% | 1,831 |
| Credit loss provision to net charge-offs | 84.4564% | 2,795 |
| Earnings coverage of net charge-offs (x) | 21.8697% | 1,926 |
| Efficiency ratio | 69.0271% | 2,382 |
| Assets per employee ($millions) | 4.6605% | 2,944 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,240 |
| Loan loss allowance to noncurrent loans | 65.5314% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 825 |
| Noncurrent loans to loans | 1.9262% | 711 |
| Net loans and leases to total assets | 53.2894% | 4,333 |
| Net loans and leases to deposits | 59.2069% | 4,519 |
| Net loans and leases to core deposits | 59.8479% | 4,636 |
| Total domestic deposits to total assets | 90.0053% | 478 |
| Equity capital to assets | 9.4064% | 4,211 |
| Core capital (leverage) ratio | 9.6776% | 3,920 |
| Tier 1 risk-based capital ratio | 14.4182% | 3,103 |
| Total risk-based capital ratio | 15.4355% | 3,138 |
| Memoranda: | ||
| Average total assets | $2,255,304,000 | 381 |
| Average earning assets | $2,099,678,600 | 373 |
| Average equity | $208,880,200 | 436 |
| Average total loans | $1,190,534,000 | 487 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 4,758 |
| Cost of funding earning assets | 0.3017% | 4,499 |
| Net interest margin | 3.3261% | 4,208 |
| Noninterest income to average assets | 0.4127% | 3,409 |
| Noninterest expense to average assets | 2.3612% | 3,947 |
| Loan and lease loss provision to assets | 0.0555% | 2,860 |
| Net operating income to assets | 0.8648% | 3,681 |
| Return on assets (ROA) | 0.8645% | 3,689 |
| Pretax return on assets | 1.0919% | 3,425 |
| Return on Equity (ROE) | 9.3705% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.2858% | 4,107 |
| Net charge-offs to loans | 0.1490% | 1,106 |
| Credit loss provision to net charge-offs | 70.9970% | 2,627 |
| Earnings coverage of net charge-offs (x) | 14.6722% | 2,276 |
| Efficiency ratio | 67.2886% | 2,666 |
| Assets per employee ($millions) | 4.6500% | 2,916 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,455 |
| Loan loss allowance to noncurrent loans | 66.9500% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 882 |
| Noncurrent loans to loans | 1.8363% | 833 |
| Net loans and leases to total assets | 54.4381% | 4,334 |
| Net loans and leases to deposits | 60.3758% | 4,524 |
| Net loans and leases to core deposits | 60.9146% | 4,669 |
| Total domestic deposits to total assets | 90.1656% | 456 |
| Equity capital to assets | 9.3215% | 4,252 |
| Core capital (leverage) ratio | 9.6628% | 3,984 |
| Tier 1 risk-based capital ratio | 14.1105% | 3,312 |
| Total risk-based capital ratio | 15.0935% | 3,352 |
| Memoranda: | ||
| Average total assets | $2,256,378,750 | 381 |
| Average earning assets | $2,100,550,000 | 373 |
| Average equity | $208,165,500 | 435 |
| Average total loans | $1,184,447,250 | 486 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 4,850 |
| Cost of funding earning assets | 0.2671% | 4,654 |
| Net interest margin | 3.2832% | 4,297 |
| Noninterest income to average assets | 0.4246% | 3,324 |
| Noninterest expense to average assets | 2.3310% | 4,074 |
| Loan and lease loss provision to assets | 0.0830% | 2,254 |
| Net operating income to assets | 0.8683% | 3,591 |
| Return on assets (ROA) | 0.8678% | 3,596 |
| Pretax return on assets | 1.0699% | 3,434 |
| Return on Equity (ROE) | 9.4389% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.1950% | 3,970 |
| Net charge-offs to loans | 0.0419% | 2,025 |
| Credit loss provision to net charge-offs | 383.6735% | 851 |
| Earnings coverage of net charge-offs (x) | 53.3102% | 1,080 |
| Efficiency ratio | 66.8956% | 2,841 |
| Assets per employee ($millions) | 4.7472% | 2,752 |
| Cash dividends to net income (ytd only)* | 66.1510% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,940 |
| Loan loss allowance to noncurrent loans | 72.6429% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 938 |
| Noncurrent loans to loans | 1.8604% | 830 |
| Net loans and leases to total assets | 52.4521% | 4,446 |
| Net loans and leases to deposits | 58.0943% | 4,636 |
| Net loans and leases to core deposits | 58.6321% | 4,761 |
| Total domestic deposits to total assets | 90.2879% | 467 |
| Equity capital to assets | 9.2100% | 4,371 |
| Core capital (leverage) ratio | 9.5018% | 4,113 |
| Tier 1 risk-based capital ratio | 14.3161% | 3,200 |
| Total risk-based capital ratio | 15.3936% | 3,206 |
| Memoranda: | ||
| Average total assets | $2,264,510,670 | 381 |
| Average earning assets | $2,110,492,330 | 371 |
| Average equity | $208,202,330 | 436 |
| Average total loans | $1,169,205,000 | 490 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 4,971 |
| Cost of funding earning assets | 0.2515% | 4,699 |
| Net interest margin | 3.1854% | 4,519 |
| Noninterest income to average assets | 0.4551% | 3,079 |
| Noninterest expense to average assets | 2.3119% | 4,169 |
| Loan and lease loss provision to assets | 0.1657% | 1,076 |
| Net operating income to assets | 0.7234% | 4,011 |
| Return on assets (ROA) | 0.7200% | 4,037 |
| Pretax return on assets | 0.9451% | 3,719 |
| Return on Equity (ROE) | 7.8383% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.0819% | 4,328 |
| Net charge-offs to loans | -0.0142% | 4,398 |
| Credit loss provision to net charge-offs | -2,292.6829% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4622% | 2,925 |
| Assets per employee ($millions) | 4.9460% | 2,549 |
| Cash dividends to net income (ytd only)* | 73.4394% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,859 |
| Loan loss allowance to noncurrent loans | 75.1344% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 980 |
| Noncurrent loans to loans | 1.8572% | 887 |
| Net loans and leases to total assets | 51.3238% | 4,481 |
| Net loans and leases to deposits | 56.7620% | 4,661 |
| Net loans and leases to core deposits | 57.2962% | 4,780 |
| Total domestic deposits to total assets | 90.4194% | 496 |
| Equity capital to assets | 9.1159% | 4,441 |
| Core capital (leverage) ratio | 9.4275% | 4,151 |
| Tier 1 risk-based capital ratio | 14.3078% | 3,223 |
| Total risk-based capital ratio | 15.4189% | 3,215 |
| Memoranda: | ||
| Average total assets | $2,269,307,500 | 383 |
| Average earning assets | $2,117,174,000 | 375 |
| Average equity | $208,464,500 | 438 |
| Average total loans | $1,154,330,500 | 498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 4,932 |
| Cost of funding earning assets | 0.2567% | 4,508 |
| Net interest margin | 3.1477% | 4,583 |
| Noninterest income to average assets | 0.4588% | 3,253 |
| Noninterest expense to average assets | 2.1983% | 4,532 |
| Loan and lease loss provision to assets | -0.0220% | 5,335 |
| Net operating income to assets | 0.6843% | 3,663 |
| Return on assets (ROA) | 0.6843% | 3,714 |
| Pretax return on assets | 1.2189% | 2,692 |
| Return on Equity (ROE) | 7.4781% | 3,046 |
| Retained earnings to average equity (ytd only) | 3.4406% | 3,226 |
| Net charge-offs to loans | 0.0654% | 2,539 |
| Credit loss provision to net charge-offs | -69.6379% | 4,673 |
| Earnings coverage of net charge-offs (x) | 37.8997% | 1,307 |
| Efficiency ratio | 64.7476% | 3,489 |
| Assets per employee ($millions) | 5.3124% | 2,132 |
| Cash dividends to net income (ytd only)* | 53.9915% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,853 |
| Loan loss allowance to noncurrent loans | 112.0844% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 1,273 |
| Noncurrent loans to loans | 1.2277% | 1,439 |
| Net loans and leases to total assets | 48.9994% | 4,703 |
| Net loans and leases to deposits | 54.9379% | 4,852 |
| Net loans and leases to core deposits | 55.2695% | 4,957 |
| Total domestic deposits to total assets | 89.1905% | 909 |
| Equity capital to assets | 9.2567% | 4,467 |
| Core capital (leverage) ratio | 9.3259% | 4,256 |
| Tier 1 risk-based capital ratio | 14.6839% | 3,001 |
| Total risk-based capital ratio | 15.7618% | 3,003 |
| Memoranda: | ||
| Average total assets | $2,273,530,000 | 371 |
| Average earning assets | $2,120,938,800 | 362 |
| Average equity | $208,047,000 | 427 |
| Average total loans | $1,097,720,600 | 495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 5,069 |
| Cost of funding earning assets | 0.2571% | 4,506 |
| Net interest margin | 3.0713% | 4,772 |
| Noninterest income to average assets | 0.4643% | 3,250 |
| Noninterest expense to average assets | 2.1779% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7774% | 3,607 |
| Return on assets (ROA) | 0.7774% | 3,659 |
| Pretax return on assets | 1.1532% | 3,100 |
| Return on Equity (ROE) | 8.5202% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.0515% | 2,857 |
| Net charge-offs to loans | 0.0319% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 75.3873% | 852 |
| Efficiency ratio | 65.3799% | 3,318 |
| Assets per employee ($millions) | 5.4397% | 1,982 |
| Cash dividends to net income (ytd only)* | 40.7117% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,493 |
| Loan loss allowance to noncurrent loans | 93.7749% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 1,135 |
| Noncurrent loans to loans | 1.6121% | 1,135 |
| Net loans and leases to total assets | 47.1772% | 4,873 |
| Net loans and leases to deposits | 52.5878% | 5,021 |
| Net loans and leases to core deposits | 52.9261% | 5,107 |
| Total domestic deposits to total assets | 89.7112% | 573 |
| Equity capital to assets | 9.3597% | 4,585 |
| Core capital (leverage) ratio | 9.2745% | 4,434 |
| Tier 1 risk-based capital ratio | 15.0597% | 2,890 |
| Total risk-based capital ratio | 16.2277% | 2,856 |
| Memoranda: | ||
| Average total assets | $2,274,817,500 | 370 |
| Average earning assets | $2,123,329,250 | 362 |
| Average equity | $207,564,500 | 426 |
| Average total loans | $1,090,400,500 | 498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2993% | 5,107 |
| Cost of funding earning assets | 0.2548% | 4,500 |
| Net interest margin | 3.0444% | 4,808 |
| Noninterest income to average assets | 0.3706% | 3,906 |
| Noninterest expense to average assets | 2.1800% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6821% | 3,923 |
| Return on assets (ROA) | 0.6821% | 3,991 |
| Pretax return on assets | 1.0348% | 3,429 |
| Return on Equity (ROE) | 7.5408% | 3,274 |
| Retained earnings to average equity (ytd only) | 4.0425% | 3,305 |
| Net charge-offs to loans | 0.0325% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 66.5085% | 872 |
| Efficiency ratio | 67.8106% | 3,048 |
| Assets per employee ($millions) | 5.4754% | 1,892 |
| Cash dividends to net income (ytd only)* | 46.3918% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,605 |
| Loan loss allowance to noncurrent loans | 81.3379% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 987 |
| Noncurrent loans to loans | 1.8333% | 972 |
| Net loans and leases to total assets | 47.6527% | 4,844 |
| Net loans and leases to deposits | 52.7048% | 5,028 |
| Net loans and leases to core deposits | 53.0488% | 5,117 |
| Total domestic deposits to total assets | 90.4142% | 388 |
| Equity capital to assets | 9.0987% | 4,807 |
| Core capital (leverage) ratio | 9.0655% | 4,649 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,196 |
| Total risk-based capital ratio | 15.5844% | 3,172 |
| Memoranda: | ||
| Average total assets | $2,275,164,330 | 372 |
| Average earning assets | $2,125,511,670 | 364 |
| Average equity | $205,813,330 | 428 |
| Average total loans | $1,090,811,000 | 495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 5,100 |
| Cost of funding earning assets | 0.2528% | 4,510 |
| Net interest margin | 3.0473% | 4,792 |
| Noninterest income to average assets | 0.3932% | 3,715 |
| Noninterest expense to average assets | 2.2378% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6598% | 3,883 |
| Return on assets (ROA) | 0.6598% | 3,924 |
| Pretax return on assets | 1.0046% | 3,351 |
| Return on Equity (ROE) | 7.3149% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.7916% | 3,552 |
| Net charge-offs to loans | 0.0189% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 111.5686% | 487 |
| Efficiency ratio | 69.0172% | 3,045 |
| Assets per employee ($millions) | 5.3083% | 2,067 |
| Cash dividends to net income (ytd only)* | 48.1670% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 1,558 |
| Loan loss allowance to noncurrent loans | 105.4445% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 1,255 |
| Noncurrent loans to loans | 1.4567% | 1,381 |
| Net loans and leases to total assets | 46.7227% | 4,908 |
| Net loans and leases to deposits | 51.6502% | 5,047 |
| Net loans and leases to core deposits | 51.9835% | 5,142 |
| Total domestic deposits to total assets | 90.4600% | 489 |
| Equity capital to assets | 8.9901% | 4,811 |
| Core capital (leverage) ratio | 9.1130% | 4,601 |
| Tier 1 risk-based capital ratio | 14.5028% | 3,199 |
| Total risk-based capital ratio | 15.6746% | 3,168 |
| Memoranda: | ||
| Average total assets | $2,265,646,000 | 375 |
| Average earning assets | $2,118,343,000 | 364 |
| Average equity | $204,349,000 | 432 |
| Average total loans | $1,081,318,000 | 497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0852% | 5,420 |
| Cost of funding earning assets | 0.2588% | 4,482 |
| Net interest margin | 2.8264% | 5,251 |
| Noninterest income to average assets | 0.4517% | 3,532 |
| Noninterest expense to average assets | 2.2046% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5967% | 4,217 |
| Return on assets (ROA) | 0.6252% | 4,222 |
| Pretax return on assets | 0.9439% | 3,673 |
| Return on Equity (ROE) | 6.7621% | 3,610 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,839 |
| Net charge-offs to loans | 0.1441% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.9629% | 2,407 |
| Efficiency ratio | 70.9950% | 2,750 |
| Assets per employee ($millions) | 4.9862% | 2,411 |
| Cash dividends to net income (ytd only)* | 57.1925% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,498 |
| Loan loss allowance to noncurrent loans | 77.2778% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6212% | 974 |
| Noncurrent loans to loans | 2.0097% | 894 |
| Net loans and leases to total assets | 47.2532% | 4,941 |
| Net loans and leases to deposits | 52.2536% | 5,106 |
| Net loans and leases to core deposits | 52.6239% | 5,195 |
| Total domestic deposits to total assets | 90.4307% | 471 |
| Equity capital to assets | 9.0657% | 4,747 |
| Core capital (leverage) ratio | 9.2019% | 4,478 |
| Tier 1 risk-based capital ratio | 13.9901% | 3,467 |
| Total risk-based capital ratio | 15.1324% | 3,449 |
| Memoranda: | ||
| Average total assets | $2,209,197,000 | 366 |
| Average earning assets | $2,074,162,400 | 361 |
| Average equity | $204,272,200 | 427 |
| Average total loans | $1,065,147,400 | 482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1085% | 5,462 |
| Cost of funding earning assets | 0.2592% | 4,519 |
| Net interest margin | 2.8492% | 5,269 |
| Noninterest income to average assets | 0.4432% | 3,604 |
| Noninterest expense to average assets | 2.2178% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5952% | 4,313 |
| Return on assets (ROA) | 0.6334% | 4,279 |
| Pretax return on assets | 0.9575% | 3,784 |
| Return on Equity (ROE) | 6.8163% | 3,657 |
| Retained earnings to average equity (ytd only) | 2.8389% | 4,194 |
| Net charge-offs to loans | 0.1578% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.8122% | 2,444 |
| Efficiency ratio | 71.1420% | 2,713 |
| Assets per employee ($millions) | 4.9517% | 2,415 |
| Cash dividends to net income (ytd only)* | 58.3509% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,405 |
| Loan loss allowance to noncurrent loans | 82.6079% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 1,087 |
| Noncurrent loans to loans | 1.9625% | 1,011 |
| Net loans and leases to total assets | 46.6185% | 5,052 |
| Net loans and leases to deposits | 51.7821% | 5,215 |
| Net loans and leases to core deposits | 52.1559% | 5,309 |
| Total domestic deposits to total assets | 90.0282% | 475 |
| Equity capital to assets | 9.4380% | 4,731 |
| Core capital (leverage) ratio | 9.1525% | 4,658 |
| Tier 1 risk-based capital ratio | 14.1846% | 3,464 |
| Total risk-based capital ratio | 15.3727% | 3,416 |
| Memoranda: | ||
| Average total assets | $2,200,543,250 | 371 |
| Average earning assets | $2,065,441,000 | 365 |
| Average equity | $204,485,750 | 427 |
| Average total loans | $1,062,184,250 | 482 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 5,534 |
| Cost of funding earning assets | 0.2587% | 4,561 |
| Net interest margin | 2.8521% | 5,345 |
| Noninterest income to average assets | 0.4270% | 3,678 |
| Noninterest expense to average assets | 2.2571% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5617% | 4,430 |
| Return on assets (ROA) | 0.6105% | 4,350 |
| Pretax return on assets | 0.9178% | 3,887 |
| Return on Equity (ROE) | 6.6044% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.2698% | 4,431 |
| Net charge-offs to loans | 0.1500% | 1,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.5988% | 2,247 |
| Efficiency ratio | 72.7609% | 2,555 |
| Assets per employee ($millions) | 4.9271% | 2,385 |
| Cash dividends to net income (ytd only)* | 65.6325% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 1,298 |
| Loan loss allowance to noncurrent loans | 62.9861% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9155% | 871 |
| Noncurrent loans to loans | 2.6789% | 613 |
| Net loans and leases to total assets | 46.0903% | 5,118 |
| Net loans and leases to deposits | 51.2451% | 5,287 |
| Net loans and leases to core deposits | 51.6080% | 5,371 |
| Total domestic deposits to total assets | 89.9410% | 513 |
| Equity capital to assets | 9.4116% | 4,859 |
| Core capital (leverage) ratio | 9.0654% | 4,758 |
| Tier 1 risk-based capital ratio | 14.7403% | 3,186 |
| Total risk-based capital ratio | 15.9907% | 3,136 |
| Memoranda: | ||
| Average total assets | $2,196,260,670 | 372 |
| Average earning assets | $2,059,951,000 | 366 |
| Average equity | $203,014,670 | 429 |
| Average total loans | $1,066,628,000 | 478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 5,540 |
| Cost of funding earning assets | 0.2591% | 4,622 |
| Net interest margin | 2.8953% | 5,326 |
| Noninterest income to average assets | 0.4446% | 3,521 |
| Noninterest expense to average assets | 2.2984% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5674% | 4,336 |
| Return on assets (ROA) | 0.6628% | 4,042 |
| Pretax return on assets | 1.0026% | 3,476 |
| Return on Equity (ROE) | 7.2365% | 3,326 |
| Retained earnings to average equity (ytd only) | 1.8540% | 4,518 |
| Net charge-offs to loans | 0.2217% | 918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.8317% | 2,112 |
| Efficiency ratio | 72.8177% | 2,680 |
| Assets per employee ($millions) | 4.7426% | 2,683 |
| Cash dividends to net income (ytd only)* | 74.3802% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 1,467 |
| Loan loss allowance to noncurrent loans | 56.1772% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 783 |
| Noncurrent loans to loans | 2.9465% | 562 |
| Net loans and leases to total assets | 47.4787% | 5,008 |
| Net loans and leases to deposits | 52.5904% | 5,188 |
| Net loans and leases to core deposits | 52.9713% | 5,312 |
| Total domestic deposits to total assets | 90.2801% | 498 |
| Equity capital to assets | 9.1714% | 5,019 |
| Core capital (leverage) ratio | 9.1020% | 4,733 |
| Tier 1 risk-based capital ratio | 14.3750% | 3,456 |
| Total risk-based capital ratio | 15.6254% | 3,389 |
| Memoranda: | ||
| Average total assets | $2,190,729,500 | 373 |
| Average earning assets | $2,051,909,500 | 365 |
| Average equity | $200,649,500 | 427 |
| Average total loans | $1,082,530,500 | 474 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 5,433 |
| Cost of funding earning assets | 0.2739% | 4,546 |
| Net interest margin | 2.9751% | 5,194 |
| Noninterest income to average assets | 0.4347% | 3,790 |
| Noninterest expense to average assets | 2.3440% | 4,667 |
| Loan and lease loss provision to assets | -0.0917% | 5,841 |
| Net operating income to assets | 0.6481% | 4,044 |
| Return on assets (ROA) | 0.6951% | 3,944 |
| Pretax return on assets | 1.0350% | 3,325 |
| Return on Equity (ROE) | 7.6760% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.0998% | 2,351 |
| Net charge-offs to loans | 0.4657% | 588 |
| Credit loss provision to net charge-offs | -38.1109% | 5,033 |
| Earnings coverage of net charge-offs (x) | 3.6301% | 3,690 |
| Efficiency ratio | 72.8566% | 2,760 |
| Assets per employee ($millions) | 4.5427% | 2,976 |
| Cash dividends to net income (ytd only)* | 33.5616% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,446 |
| Loan loss allowance to noncurrent loans | 50.4922% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.2740% | 729 |
| Noncurrent loans to loans | 3.2935% | 454 |
| Net loans and leases to total assets | 49.7298% | 4,896 |
| Net loans and leases to deposits | 55.1888% | 5,099 |
| Net loans and leases to core deposits | 55.5882% | 5,221 |
| Total domestic deposits to total assets | 90.1084% | 586 |
| Equity capital to assets | 9.1464% | 4,975 |
| Core capital (leverage) ratio | 9.1945% | 4,625 |
| Tier 1 risk-based capital ratio | 13.7714% | 3,843 |
| Total risk-based capital ratio | 15.0219% | 3,771 |
| Memoranda: | ||
| Average total assets | $2,143,325,000 | 366 |
| Average earning assets | $2,004,579,600 | 355 |
| Average equity | $194,084,400 | 427 |
| Average total loans | $1,107,144,000 | 443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 5,509 |
| Cost of funding earning assets | 0.2773% | 4,591 |
| Net interest margin | 2.9718% | 5,267 |
| Noninterest income to average assets | 0.4631% | 3,612 |
| Noninterest expense to average assets | 2.2418% | 4,932 |
| Loan and lease loss provision to assets | -0.1226% | 6,033 |
| Net operating income to assets | 0.7298% | 3,767 |
| Return on assets (ROA) | 0.7903% | 3,563 |
| Pretax return on assets | 1.2158% | 2,749 |
| Return on Equity (ROE) | 8.7494% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.2944% | 2,724 |
| Net charge-offs to loans | 0.2395% | 1,091 |
| Credit loss provision to net charge-offs | -98.5951% | 5,052 |
| Earnings coverage of net charge-offs (x) | 8.0406% | 2,849 |
| Efficiency ratio | 69.1501% | 3,345 |
| Assets per employee ($millions) | 4.4724% | 3,057 |
| Cash dividends to net income (ytd only)* | 39.4882% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 1,063 |
| Loan loss allowance to noncurrent loans | 64.3731% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 2.2773% | 815 |
| Noncurrent loans to loans | 2.9614% | 602 |
| Net loans and leases to total assets | 51.5669% | 4,794 |
| Net loans and leases to deposits | 57.2538% | 5,059 |
| Net loans and leases to core deposits | 57.6903% | 5,209 |
| Total domestic deposits to total assets | 90.0671% | 546 |
| Equity capital to assets | 9.2666% | 5,040 |
| Core capital (leverage) ratio | 9.0742% | 4,911 |
| Tier 1 risk-based capital ratio | 13.7823% | 3,975 |
| Total risk-based capital ratio | 15.0363% | 3,912 |
| Memoranda: | ||
| Average total assets | $2,136,302,250 | 372 |
| Average earning assets | $1,997,584,500 | 361 |
| Average equity | $192,953,750 | 432 |
| Average total loans | $1,109,404,750 | 445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 5,594 |
| Cost of funding earning assets | 0.2785% | 4,630 |
| Net interest margin | 2.9387% | 5,365 |
| Noninterest income to average assets | 0.4481% | 3,721 |
| Noninterest expense to average assets | 2.2590% | 4,952 |
| Loan and lease loss provision to assets | -0.1840% | 6,169 |
| Net operating income to assets | 0.7182% | 3,804 |
| Return on assets (ROA) | 0.8073% | 3,447 |
| Pretax return on assets | 1.2603% | 2,508 |
| Return on Equity (ROE) | 9.0160% | 2,533 |
| Retained earnings to average equity (ytd only) | 3.7869% | 3,597 |
| Net charge-offs to loans | 0.3069% | 865 |
| Credit loss provision to net charge-offs | -115.9292% | 4,925 |
| Earnings coverage of net charge-offs (x) | 5.9038% | 2,863 |
| Efficiency ratio | 70.6806% | 3,222 |
| Assets per employee ($millions) | 4.5789% | 2,857 |
| Cash dividends to net income (ytd only)* | 57.9979% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 1,110 |
| Loan loss allowance to noncurrent loans | 102.3030% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 1,366 |
| Noncurrent loans to loans | 1.8856% | 1,322 |
| Net loans and leases to total assets | 51.6451% | 4,786 |
| Net loans and leases to deposits | 57.5377% | 5,025 |
| Net loans and leases to core deposits | 57.9780% | 5,195 |
| Total domestic deposits to total assets | 89.7588% | 765 |
| Equity capital to assets | 8.9426% | 5,290 |
| Core capital (leverage) ratio | 8.8604% | 5,148 |
| Tier 1 risk-based capital ratio | 13.1675% | 4,416 |
| Total risk-based capital ratio | 14.4213% | 4,337 |
| Memoranda: | ||
| Average total assets | $2,135,805,000 | 370 |
| Average earning assets | $1,997,226,000 | 361 |
| Average equity | $191,238,330 | 436 |
| Average total loans | $1,104,600,330 | 448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,681 |
| Cost of funding earning assets | 0.2782% | 4,690 |
| Net interest margin | 2.9006% | 5,454 |
| Noninterest income to average assets | 0.4203% | 3,842 |
| Noninterest expense to average assets | 2.2813% | 4,930 |
| Loan and lease loss provision to assets | -0.4638% | 6,347 |
| Net operating income to assets | 0.8420% | 3,053 |
| Return on assets (ROA) | 0.8420% | 3,181 |
| Pretax return on assets | 1.3189% | 2,201 |
| Return on Equity (ROE) | 9.3973% | 2,269 |
| Retained earnings to average equity (ytd only) | 5.2142% | 2,941 |
| Net charge-offs to loans | 0.0658% | 2,078 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,039 |
| Earnings coverage of net charge-offs (x) | 25.3500% | 1,269 |
| Efficiency ratio | 72.7370% | 3,040 |
| Assets per employee ($millions) | 4.5773% | 2,929 |
| Cash dividends to net income (ytd only)* | 44.5137% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 949 |
| Loan loss allowance to noncurrent loans | 164.8317% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 1,907 |
| Noncurrent loans to loans | 1.2624% | 2,264 |
| Net loans and leases to total assets | 49.5033% | 4,900 |
| Net loans and leases to deposits | 54.8149% | 5,142 |
| Net loans and leases to core deposits | 55.2136% | 5,298 |
| Total domestic deposits to total assets | 90.3100% | 604 |
| Equity capital to assets | 8.9829% | 5,314 |
| Core capital (leverage) ratio | 8.9830% | 4,971 |
| Tier 1 risk-based capital ratio | 13.7782% | 4,161 |
| Total risk-based capital ratio | 14.9741% | 4,110 |
| Memoranda: | ||
| Average total assets | $2,134,541,000 | 367 |
| Average earning assets | $1,998,773,000 | 359 |
| Average equity | $191,246,000 | 436 |
| Average total loans | $1,093,867,000 | 446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,687 |
| Cost of funding earning assets | 0.3031% | 4,763 |
| Net interest margin | 3.0099% | 5,428 |
| Noninterest income to average assets | 0.3715% | 4,419 |
| Noninterest expense to average assets | 2.3652% | 4,933 |
| Loan and lease loss provision to assets | -0.2396% | 6,328 |
| Net operating income to assets | 0.6615% | 4,082 |
| Return on assets (ROA) | 0.6666% | 4,154 |
| Pretax return on assets | 1.0583% | 3,262 |
| Return on Equity (ROE) | 7.8599% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.8599% | 1,069 |
| Net charge-offs to loans | 0.0164% | 4,539 |
| Credit loss provision to net charge-offs | -2,837.5000% | 6,013 |
| Earnings coverage of net charge-offs (x) | 96.0284% | 543 |
| Efficiency ratio | 74.4729% | 2,756 |
| Assets per employee ($millions) | 4.3032% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3170% | 708 |
| Loan loss allowance to noncurrent loans | 113.2518% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 1,955 |
| Noncurrent loans to loans | 2.0458% | 1,344 |
| Net loans and leases to total assets | 50.7501% | 4,891 |
| Net loans and leases to deposits | 56.1397% | 5,177 |
| Net loans and leases to core deposits | 56.5743% | 5,347 |
| Total domestic deposits to total assets | 90.3996% | 577 |
| Equity capital to assets | 8.9357% | 5,356 |
| Core capital (leverage) ratio | 8.9861% | 5,020 |
| Tier 1 risk-based capital ratio | 13.9292% | 4,142 |
| Total risk-based capital ratio | 15.1869% | 4,074 |
| Memoranda: | ||
| Average total assets | $2,084,660,800 | 362 |
| Average earning assets | $1,942,392,400 | 350 |
| Average equity | $176,809,600 | 449 |
| Average total loans | $1,071,993,000 | 432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 5,753 |
| Cost of funding earning assets | 0.3068% | 4,825 |
| Net interest margin | 3.0022% | 5,499 |
| Noninterest income to average assets | 0.3374% | 4,739 |
| Noninterest expense to average assets | 2.3736% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5094% | 4,841 |
| Return on assets (ROA) | 0.5154% | 4,883 |
| Pretax return on assets | 0.7657% | 4,483 |
| Return on Equity (ROE) | 6.1610% | 4,150 |
| Retained earnings to average equity (ytd only) | 6.1610% | 2,301 |
| Net charge-offs to loans | 0.0178% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 83.0768% | 686 |
| Efficiency ratio | 75.8268% | 2,521 |
| Assets per employee ($millions) | 4.2778% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7586% | 460 |
| Loan loss allowance to noncurrent loans | 129.0911% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5171% | 2,031 |
| Noncurrent loans to loans | 2.1369% | 1,450 |
| Net loans and leases to total assets | 50.8300% | 4,909 |
| Net loans and leases to deposits | 56.4442% | 5,210 |
| Net loans and leases to core deposits | 56.8946% | 5,399 |
| Total domestic deposits to total assets | 90.0537% | 710 |
| Equity capital to assets | 8.5471% | 5,763 |
| Core capital (leverage) ratio | 8.5004% | 5,659 |
| Tier 1 risk-based capital ratio | 13.0913% | 4,803 |
| Total risk-based capital ratio | 14.3536% | 4,727 |
| Memoranda: | ||
| Average total assets | $2,078,679,250 | 359 |
| Average earning assets | $1,933,697,250 | 345 |
| Average equity | $173,908,000 | 448 |
| Average total loans | $1,066,118,500 | 433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,820 |
| Cost of funding earning assets | 0.3101% | 4,875 |
| Net interest margin | 2.9754% | 5,585 |
| Noninterest income to average assets | 0.2794% | 5,191 |
| Noninterest expense to average assets | 2.3648% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4620% | 4,965 |
| Return on assets (ROA) | 0.4712% | 5,000 |
| Pretax return on assets | 0.6915% | 4,669 |
| Return on Equity (ROE) | 5.6743% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,527 |
| Net charge-offs to loans | 0.0129% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 103.1029% | 547 |
| Efficiency ratio | 77.7216% | 2,335 |
| Assets per employee ($millions) | 4.2853% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9020% | 430 |
| Loan loss allowance to noncurrent loans | 109.6783% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.8120% | 1,788 |
| Noncurrent loans to loans | 2.6459% | 1,148 |
| Net loans and leases to total assets | 49.0758% | 5,068 |
| Net loans and leases to deposits | 54.4731% | 5,322 |
| Net loans and leases to core deposits | 54.9306% | 5,492 |
| Total domestic deposits to total assets | 90.0919% | 763 |
| Equity capital to assets | 8.4933% | 5,808 |
| Core capital (leverage) ratio | 8.4220% | 5,722 |
| Tier 1 risk-based capital ratio | 13.4159% | 4,640 |
| Total risk-based capital ratio | 14.6793% | 4,574 |
| Memoranda: | ||
| Average total assets | $2,068,593,670 | 356 |
| Average earning assets | $1,921,074,330 | 343 |
| Average equity | $171,793,000 | 448 |
| Average total loans | $1,054,030,330 | 434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 5,942 |
| Cost of funding earning assets | 0.3144% | 4,928 |
| Net interest margin | 2.9286% | 5,694 |
| Noninterest income to average assets | 0.2820% | 5,115 |
| Noninterest expense to average assets | 2.4275% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3964% | 5,133 |
| Return on assets (ROA) | 0.4061% | 5,155 |
| Pretax return on assets | 0.5823% | 4,891 |
| Return on Equity (ROE) | 4.9461% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.9461% | 3,144 |
| Net charge-offs to loans | -0.0015% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0248% | 2,046 |
| Assets per employee ($millions) | 4.2541% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 482 |
| Loan loss allowance to noncurrent loans | 112.1609% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 2.1638% | 1,537 |
| Noncurrent loans to loans | 2.5871% | 1,332 |
| Net loans and leases to total assets | 48.9515% | 5,006 |
| Net loans and leases to deposits | 53.7141% | 5,312 |
| Net loans and leases to core deposits | 54.2044% | 5,483 |
| Total domestic deposits to total assets | 91.1334% | 516 |
| Equity capital to assets | 8.2188% | 5,897 |
| Core capital (leverage) ratio | 8.2980% | 5,846 |
| Tier 1 risk-based capital ratio | 12.9691% | 5,023 |
| Total risk-based capital ratio | 14.2323% | 4,946 |
| Memoranda: | ||
| Average total assets | $2,063,704,000 | 357 |
| Average earning assets | $1,912,442,500 | 347 |
| Average equity | $169,428,000 | 452 |
| Average total loans | $1,055,814,000 | 434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 6,056 |
| Cost of funding earning assets | 0.3955% | 4,697 |
| Net interest margin | 2.8664% | 5,864 |
| Noninterest income to average assets | 0.4761% | 3,919 |
| Noninterest expense to average assets | 2.3974% | 5,078 |
| Loan and lease loss provision to assets | 0.2452% | 1,472 |
| Net operating income to assets | 0.3358% | 5,390 |
| Return on assets (ROA) | 0.3774% | 5,348 |
| Pretax return on assets | 0.5276% | 5,112 |
| Return on Equity (ROE) | 4.5650% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.5650% | 2,911 |
| Net charge-offs to loans | 0.5478% | 1,212 |
| Credit loss provision to net charge-offs | 88.5278% | 2,802 |
| Earnings coverage of net charge-offs (x) | 2.5811% | 4,141 |
| Efficiency ratio | 77.0268% | 2,615 |
| Assets per employee ($millions) | 4.7191% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8861% | 534 |
| Loan loss allowance to noncurrent loans | 120.8544% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 2.2436% | 1,586 |
| Noncurrent loans to loans | 2.3881% | 1,601 |
| Net loans and leases to total assets | 50.4275% | 5,037 |
| Net loans and leases to deposits | 55.3401% | 5,362 |
| Net loans and leases to core deposits | 55.8579% | 5,547 |
| Total domestic deposits to total assets | 91.1229% | 525 |
| Equity capital to assets | 8.2008% | 5,873 |
| Core capital (leverage) ratio | 8.2391% | 5,942 |
| Tier 1 risk-based capital ratio | 12.7534% | 5,143 |
| Total risk-based capital ratio | 14.0166% | 5,081 |
| Memoranda: | ||
| Average total assets | $2,032,687,400 | 351 |
| Average earning assets | $1,869,512,200 | 340 |
| Average equity | $168,060,600 | 443 |
| Average total loans | $1,027,955,200 | 423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2495% | 6,134 |
| Cost of funding earning assets | 0.4146% | 4,676 |
| Net interest margin | 2.8349% | 5,955 |
| Noninterest income to average assets | 0.4738% | 3,980 |
| Noninterest expense to average assets | 2.3749% | 5,096 |
| Loan and lease loss provision to assets | 0.2314% | 1,568 |
| Net operating income to assets | 0.3363% | 5,480 |
| Return on assets (ROA) | 0.3900% | 5,420 |
| Pretax return on assets | 0.5472% | 5,212 |
| Return on Equity (ROE) | 4.7079% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.7079% | 3,300 |
| Net charge-offs to loans | 0.7012% | 849 |
| Credit loss provision to net charge-offs | 65.6914% | 3,163 |
| Earnings coverage of net charge-offs (x) | 1.9957% | 4,160 |
| Efficiency ratio | 77.1610% | 2,532 |
| Assets per employee ($millions) | 4.1927% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8010% | 673 |
| Loan loss allowance to noncurrent loans | 109.8896% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.5471% | 1,497 |
| Noncurrent loans to loans | 2.5489% | 1,687 |
| Net loans and leases to total assets | 50.5145% | 5,078 |
| Net loans and leases to deposits | 55.3804% | 5,423 |
| Net loans and leases to core deposits | 55.9238% | 5,630 |
| Total domestic deposits to total assets | 91.2137% | 454 |
| Equity capital to assets | 8.2544% | 5,952 |
| Core capital (leverage) ratio | 8.2603% | 6,006 |
| Tier 1 risk-based capital ratio | 12.7545% | 5,295 |
| Total risk-based capital ratio | 14.0168% | 5,219 |
| Memoranda: | ||
| Average total assets | $2,031,199,750 | 353 |
| Average earning assets | $1,865,807,500 | 341 |
| Average equity | $168,279,500 | 446 |
| Average total loans | $1,020,297,250 | 424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 6,185 |
| Cost of funding earning assets | 0.4409% | 4,531 |
| Net interest margin | 2.7935% | 6,015 |
| Noninterest income to average assets | 0.5202% | 3,695 |
| Noninterest expense to average assets | 2.3569% | 5,185 |
| Loan and lease loss provision to assets | 0.2873% | 1,267 |
| Net operating income to assets | 0.3146% | 5,548 |
| Return on assets (ROA) | 0.3947% | 5,400 |
| Pretax return on assets | 0.5523% | 5,192 |
| Return on Equity (ROE) | 4.7583% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.7583% | 3,216 |
| Net charge-offs to loans | 0.9851% | 619 |
| Credit loss provision to net charge-offs | 58.7349% | 3,046 |
| Earnings coverage of net charge-offs (x) | 1.4855% | 4,039 |
| Efficiency ratio | 76.4335% | 2,719 |
| Assets per employee ($millions) | 4.3609% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8648% | 664 |
| Loan loss allowance to noncurrent loans | 105.7630% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.5975% | 1,615 |
| Noncurrent loans to loans | 2.7087% | 1,684 |
| Net loans and leases to total assets | 48.5198% | 5,278 |
| Net loans and leases to deposits | 53.2139% | 5,586 |
| Net loans and leases to core deposits | 53.7546% | 5,771 |
| Total domestic deposits to total assets | 91.1788% | 483 |
| Equity capital to assets | 8.0943% | 6,138 |
| Core capital (leverage) ratio | 8.0675% | 6,133 |
| Tier 1 risk-based capital ratio | 12.7556% | 5,324 |
| Total risk-based capital ratio | 14.0180% | 5,248 |
| Memoranda: | ||
| Average total assets | $2,036,029,330 | 348 |
| Average earning assets | $1,868,337,000 | 342 |
| Average equity | $168,883,670 | 448 |
| Average total loans | $1,011,033,330 | 423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 6,262 |
| Cost of funding earning assets | 0.4645% | 4,434 |
| Net interest margin | 2.7672% | 6,098 |
| Noninterest income to average assets | 0.4963% | 3,794 |
| Noninterest expense to average assets | 2.3427% | 5,294 |
| Loan and lease loss provision to assets | 0.5747% | 445 |
| Net operating income to assets | 0.1050% | 6,135 |
| Return on assets (ROA) | 0.2104% | 5,972 |
| Pretax return on assets | 0.2413% | 5,984 |
| Return on Equity (ROE) | 2.5067% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.5067% | 4,773 |
| Net charge-offs to loans | 1.6577% | 309 |
| Credit loss provision to net charge-offs | 70.0263% | 2,293 |
| Earnings coverage of net charge-offs (x) | 0.8465% | 3,546 |
| Efficiency ratio | 77.1266% | 2,733 |
| Assets per employee ($millions) | 4.1334% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9655% | 683 |
| Loan loss allowance to noncurrent loans | 79.0007% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.0619% | 1,453 |
| Noncurrent loans to loans | 3.7537% | 1,239 |
| Net loans and leases to total assets | 47.6989% | 5,258 |
| Net loans and leases to deposits | 52.4880% | 5,575 |
| Net loans and leases to core deposits | 53.0775% | 5,742 |
| Total domestic deposits to total assets | 90.8759% | 578 |
| Equity capital to assets | 8.3253% | 6,170 |
| Core capital (leverage) ratio | 8.1687% | 5,966 |
| Tier 1 risk-based capital ratio | 13.1696% | 5,090 |
| Total risk-based capital ratio | 14.4331% | 5,030 |
| Memoranda: | ||
| Average total assets | $2,035,775,000 | 352 |
| Average earning assets | $1,869,488,500 | 345 |
| Average equity | $170,903,500 | 447 |
| Average total loans | $1,007,916,500 | 425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 6,245 |
| Cost of funding earning assets | 0.5437% | 4,869 |
| Net interest margin | 3.0399% | 5,954 |
| Noninterest income to average assets | 0.4378% | 4,335 |
| Noninterest expense to average assets | 2.4100% | 5,379 |
| Loan and lease loss provision to assets | 0.4131% | 1,552 |
| Net operating income to assets | 0.2690% | 5,577 |
| Return on assets (ROA) | 0.4225% | 5,256 |
| Pretax return on assets | 0.5854% | 5,038 |
| Return on Equity (ROE) | 5.0294% | 4,664 |
| Retained earnings to average equity (ytd only) | 5.0294% | 2,681 |
| Net charge-offs to loans | 0.4570% | 2,407 |
| Credit loss provision to net charge-offs | 179.4111% | 1,466 |
| Earnings coverage of net charge-offs (x) | 3.4107% | 3,737 |
| Efficiency ratio | 75.4224% | 2,843 |
| Assets per employee ($millions) | 4.2920% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1012% | 603 |
| Loan loss allowance to noncurrent loans | 68.3208% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.4317% | 1,329 |
| Noncurrent loans to loans | 4.5391% | 935 |
| Net loans and leases to total assets | 48.3237% | 5,376 |
| Net loans and leases to deposits | 53.3248% | 5,713 |
| Net loans and leases to core deposits | 53.8998% | 5,881 |
| Total domestic deposits to total assets | 90.6214% | 652 |
| Equity capital to assets | 8.4660% | 6,074 |
| Core capital (leverage) ratio | 8.4090% | 5,746 |
| Tier 1 risk-based capital ratio | 12.9900% | 5,111 |
| Total risk-based capital ratio | 14.2544% | 5,043 |
| Memoranda: | ||
| Average total assets | $1,976,457,600 | 357 |
| Average earning assets | $1,792,860,600 | 345 |
| Average equity | $166,023,400 | 454 |
| Average total loans | $995,798,400 | 423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 6,285 |
| Cost of funding earning assets | 0.5579% | 5,015 |
| Net interest margin | 3.1098% | 5,916 |
| Noninterest income to average assets | 0.4083% | 4,570 |
| Noninterest expense to average assets | 2.4073% | 5,374 |
| Loan and lease loss provision to assets | 0.5537% | 1,041 |
| Net operating income to assets | 0.1901% | 5,945 |
| Return on assets (ROA) | 0.3980% | 5,476 |
| Pretax return on assets | 0.5463% | 5,321 |
| Return on Equity (ROE) | 4.7473% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.7473% | 3,560 |
| Net charge-offs to loans | 0.4543% | 2,286 |
| Credit loss provision to net charge-offs | 241.2825% | 1,148 |
| Earnings coverage of net charge-offs (x) | 3.5523% | 3,598 |
| Efficiency ratio | 74.7043% | 2,874 |
| Assets per employee ($millions) | 4.0528% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2264% | 588 |
| Loan loss allowance to noncurrent loans | 72.7189% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.4778% | 1,444 |
| Noncurrent loans to loans | 4.4369% | 1,069 |
| Net loans and leases to total assets | 49.1836% | 5,417 |
| Net loans and leases to deposits | 54.4396% | 5,767 |
| Net loans and leases to core deposits | 55.0498% | 5,961 |
| Total domestic deposits to total assets | 90.3452% | 654 |
| Equity capital to assets | 8.5633% | 6,212 |
| Core capital (leverage) ratio | 8.2753% | 6,055 |
| Tier 1 risk-based capital ratio | 12.6792% | 5,495 |
| Total risk-based capital ratio | 13.9448% | 5,451 |
| Memoranda: | ||
| Average total assets | $1,966,257,500 | 359 |
| Average earning assets | $1,779,270,000 | 353 |
| Average equity | $164,834,000 | 451 |
| Average total loans | $993,245,000 | 426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 6,303 |
| Cost of funding earning assets | 0.5635% | 5,198 |
| Net interest margin | 3.1528% | 5,859 |
| Noninterest income to average assets | 0.5771% | 3,396 |
| Noninterest expense to average assets | 2.4988% | 5,144 |
| Loan and lease loss provision to assets | 0.8316% | 587 |
| Net operating income to assets | 0.0776% | 6,210 |
| Return on assets (ROA) | 0.2962% | 5,836 |
| Pretax return on assets | 0.3802% | 5,754 |
| Return on Equity (ROE) | 3.5585% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.5585% | 4,229 |
| Net charge-offs to loans | 0.4075% | 2,399 |
| Credit loss provision to net charge-offs | 404.8091% | 726 |
| Earnings coverage of net charge-offs (x) | 4.5350% | 3,052 |
| Efficiency ratio | 72.8431% | 3,267 |
| Assets per employee ($millions) | 4.1600% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3721% | 557 |
| Loan loss allowance to noncurrent loans | 73.4854% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6595% | 1,437 |
| Noncurrent loans to loans | 4.5888% | 1,142 |
| Net loans and leases to total assets | 48.8142% | 5,517 |
| Net loans and leases to deposits | 53.9344% | 5,872 |
| Net loans and leases to core deposits | 54.5122% | 6,058 |
| Total domestic deposits to total assets | 90.5066% | 658 |
| Equity capital to assets | 8.3665% | 6,330 |
| Core capital (leverage) ratio | 8.1963% | 6,059 |
| Tier 1 risk-based capital ratio | 12.5916% | 5,506 |
| Total risk-based capital ratio | 13.8586% | 5,471 |
| Memoranda: | ||
| Average total assets | $1,963,764,670 | 364 |
| Average earning assets | $1,777,237,000 | 357 |
| Average equity | $163,440,000 | 453 |
| Average total loans | $989,953,670 | 424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 6,419 |
| Cost of funding earning assets | 0.5746% | 5,321 |
| Net interest margin | 3.1364% | 5,941 |
| Noninterest income to average assets | 0.5699% | 3,426 |
| Noninterest expense to average assets | 2.4952% | 5,166 |
| Loan and lease loss provision to assets | 1.4656% | 236 |
| Net operating income to assets | -0.2756% | 6,690 |
| Return on assets (ROA) | -0.1753% | 6,663 |
| Pretax return on assets | -0.3962% | 6,781 |
| Return on Equity (ROE) | -2.1118% | 6,694 |
| Retained earnings to average equity (ytd only) | -2.1118% | 6,292 |
| Net charge-offs to loans | 0.1401% | 3,258 |
| Credit loss provision to net charge-offs | 2,076.8116% | 150 |
| Earnings coverage of net charge-offs (x) | 12.9333% | 1,566 |
| Efficiency ratio | 73.2189% | 3,220 |
| Assets per employee ($millions) | 4.0561% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4914% | 540 |
| Loan loss allowance to noncurrent loans | 59.5792% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.9859% | 1,387 |
| Noncurrent loans to loans | 5.8601% | 869 |
| Net loans and leases to total assets | 47.9461% | 5,559 |
| Net loans and leases to deposits | 53.0382% | 5,899 |
| Net loans and leases to core deposits | 53.6216% | 6,085 |
| Total domestic deposits to total assets | 90.3992% | 869 |
| Equity capital to assets | 8.1657% | 6,398 |
| Core capital (leverage) ratio | 8.1579% | 6,085 |
| Tier 1 risk-based capital ratio | 12.2687% | 5,781 |
| Total risk-based capital ratio | 13.5294% | 5,736 |
| Memoranda: | ||
| Average total assets | $1,955,577,000 | 364 |
| Average earning assets | $1,769,544,000 | 355 |
| Average equity | $162,326,000 | 454 |
| Average total loans | $984,769,500 | 425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 6,592 |
| Cost of funding earning assets | 0.6801% | 5,659 |
| Net interest margin | 3.2340% | 5,997 |
| Noninterest income to average assets | 0.6554% | 2,854 |
| Noninterest expense to average assets | 2.8360% | 4,214 |
| Loan and lease loss provision to assets | 0.6162% | 1,676 |
| Net operating income to assets | 0.0900% | 5,887 |
| Return on assets (ROA) | 0.4157% | 4,974 |
| Pretax return on assets | 0.5259% | 4,917 |
| Return on Equity (ROE) | 5.0806% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.0806% | 2,579 |
| Net charge-offs to loans | 1.2412% | 1,340 |
| Credit loss provision to net charge-offs | 96.0696% | 3,752 |
| Earnings coverage of net charge-offs (x) | 1.1376% | 4,934 |
| Efficiency ratio | 79.5346% | 2,369 |
| Assets per employee ($millions) | 4.5358% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 977 |
| Loan loss allowance to noncurrent loans | 51.7097% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.9866% | 1,441 |
| Noncurrent loans to loans | 5.4203% | 985 |
| Net loans and leases to total assets | 49.6219% | 5,641 |
| Net loans and leases to deposits | 54.8255% | 5,994 |
| Net loans and leases to core deposits | 55.4537% | 6,195 |
| Total domestic deposits to total assets | 90.5088% | 720 |
| Equity capital to assets | 8.4395% | 6,210 |
| Core capital (leverage) ratio | 8.1149% | 6,121 |
| Tier 1 risk-based capital ratio | 12.1938% | 5,694 |
| Total risk-based capital ratio | 13.4552% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,935,646,800 | 358 |
| Average earning assets | $1,741,847,200 | 349 |
| Average equity | $158,385,600 | 445 |
| Average total loans | $1,000,336,600 | 420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 6,672 |
| Cost of funding earning assets | 0.6980% | 5,779 |
| Net interest margin | 3.2437% | 6,035 |
| Noninterest income to average assets | 0.6869% | 2,687 |
| Noninterest expense to average assets | 2.7495% | 4,534 |
| Loan and lease loss provision to assets | 0.6584% | 1,477 |
| Net operating income to assets | 0.1280% | 5,896 |
| Return on assets (ROA) | 0.4759% | 4,848 |
| Pretax return on assets | 0.7338% | 4,368 |
| Return on Equity (ROE) | 5.8617% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.8617% | 2,641 |
| Net charge-offs to loans | 1.2975% | 1,191 |
| Credit loss provision to net charge-offs | 97.8924% | 3,495 |
| Earnings coverage of net charge-offs (x) | 1.2741% | 4,661 |
| Efficiency ratio | 76.2393% | 2,810 |
| Assets per employee ($millions) | 4.0587% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8343% | 1,002 |
| Loan loss allowance to noncurrent loans | 49.2297% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 5.0608% | 1,133 |
| Noncurrent loans to loans | 5.7573% | 998 |
| Net loans and leases to total assets | 50.4004% | 5,657 |
| Net loans and leases to deposits | 55.5524% | 6,069 |
| Net loans and leases to core deposits | 56.0391% | 6,315 |
| Total domestic deposits to total assets | 90.7259% | 541 |
| Equity capital to assets | 8.5582% | 6,240 |
| Core capital (leverage) ratio | 8.1906% | 6,143 |
| Tier 1 risk-based capital ratio | 12.5533% | 5,451 |
| Total risk-based capital ratio | 13.8153% | 5,427 |
| Memoranda: | ||
| Average total assets | $1,937,633,750 | 359 |
| Average earning assets | $1,743,912,500 | 352 |
| Average equity | $157,309,750 | 457 |
| Average total loans | $1,004,384,500 | 422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 6,709 |
| Cost of funding earning assets | 0.7109% | 5,897 |
| Net interest margin | 3.2596% | 5,973 |
| Noninterest income to average assets | 0.6934% | 2,588 |
| Noninterest expense to average assets | 2.5912% | 5,223 |
| Loan and lease loss provision to assets | 0.4937% | 1,991 |
| Net operating income to assets | 0.3601% | 5,129 |
| Return on assets (ROA) | 0.6807% | 3,765 |
| Pretax return on assets | 1.0294% | 3,120 |
| Return on Equity (ROE) | 8.5344% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.5344% | 1,253 |
| Net charge-offs to loans | 1.1635% | 1,343 |
| Credit loss provision to net charge-offs | 81.8831% | 3,713 |
| Earnings coverage of net charge-offs (x) | 1.7203% | 4,010 |
| Efficiency ratio | 71.4132% | 3,848 |
| Assets per employee ($millions) | 4.1193% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7541% | 1,122 |
| Loan loss allowance to noncurrent loans | 38.8012% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 5.6492% | 1,031 |
| Noncurrent loans to loans | 7.0980% | 720 |
| Net loans and leases to total assets | 49.3575% | 5,903 |
| Net loans and leases to deposits | 54.7350% | 6,249 |
| Net loans and leases to core deposits | 55.3821% | 6,463 |
| Total domestic deposits to total assets | 90.1753% | 881 |
| Equity capital to assets | 8.3765% | 6,332 |
| Core capital (leverage) ratio | 7.8652% | 6,444 |
| Tier 1 risk-based capital ratio | 12.0696% | 5,729 |
| Total risk-based capital ratio | 13.3303% | 5,688 |
| Memoranda: | ||
| Average total assets | $1,951,701,670 | 362 |
| Average earning assets | $1,757,326,000 | 356 |
| Average equity | $155,675,000 | 460 |
| Average total loans | $1,011,456,000 | 428 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 6,736 |
| Cost of funding earning assets | 0.7310% | 5,974 |
| Net interest margin | 3.2440% | 5,940 |
| Noninterest income to average assets | 0.7300% | 2,389 |
| Noninterest expense to average assets | 2.4366% | 5,777 |
| Loan and lease loss provision to assets | 0.6118% | 1,402 |
| Net operating income to assets | 0.4243% | 4,833 |
| Return on assets (ROA) | 0.5789% | 4,213 |
| Pretax return on assets | 0.8367% | 3,758 |
| Return on Equity (ROE) | 7.4418% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,965 |
| Net charge-offs to loans | 0.3350% | 2,717 |
| Credit loss provision to net charge-offs | 348.8372% | 938 |
| Earnings coverage of net charge-offs (x) | 6.9814% | 2,020 |
| Efficiency ratio | 66.5571% | 4,936 |
| Assets per employee ($millions) | 4.0422% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9694% | 941 |
| Loan loss allowance to noncurrent loans | 28.6226% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 6.7035% | 812 |
| Noncurrent loans to loans | 10.3743% | 373 |
| Net loans and leases to total assets | 50.2533% | 5,816 |
| Net loans and leases to deposits | 55.5132% | 6,175 |
| Net loans and leases to core deposits | 56.2756% | 6,393 |
| Total domestic deposits to total assets | 90.5251% | 828 |
| Equity capital to assets | 7.8310% | 6,651 |
| Core capital (leverage) ratio | 7.5442% | 6,701 |
| Tier 1 risk-based capital ratio | 11.3244% | 6,228 |
| Total risk-based capital ratio | 12.5879% | 6,207 |
| Memoranda: | ||
| Average total assets | $1,961,570,500 | 359 |
| Average earning assets | $1,772,265,000 | 354 |
| Average equity | $152,597,000 | 464 |
| Average total loans | $1,026,896,500 | 425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 6,693 |
| Cost of funding earning assets | 1.0517% | 5,425 |
| Net interest margin | 3.3017% | 5,970 |
| Noninterest income to average assets | 0.8409% | 2,095 |
| Noninterest expense to average assets | 2.9011% | 4,218 |
| Loan and lease loss provision to assets | 0.9587% | 1,695 |
| Net operating income to assets | 0.0535% | 5,689 |
| Return on assets (ROA) | 0.0623% | 5,817 |
| Pretax return on assets | -0.0378% | 5,939 |
| Return on Equity (ROE) | 0.8082% | 5,750 |
| Retained earnings to average equity (ytd only) | 0.8082% | 5,148 |
| Net charge-offs to loans | 1.4550% | 1,522 |
| Credit loss provision to net charge-offs | 112.9713% | 3,861 |
| Earnings coverage of net charge-offs (x) | 1.0691% | 5,041 |
| Efficiency ratio | 76.1780% | 3,031 |
| Assets per employee ($millions) | 4.0720% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 1,154 |
| Loan loss allowance to noncurrent loans | 34.8565% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 5.1574% | 1,228 |
| Noncurrent loans to loans | 7.7711% | 676 |
| Net loans and leases to total assets | 51.4787% | 5,992 |
| Net loans and leases to deposits | 56.5743% | 6,394 |
| Net loans and leases to core deposits | 57.3651% | 6,611 |
| Total domestic deposits to total assets | 90.9930% | 601 |
| Equity capital to assets | 7.7275% | 6,728 |
| Core capital (leverage) ratio | 7.3911% | 6,794 |
| Tier 1 risk-based capital ratio | 10.9601% | 6,356 |
| Total risk-based capital ratio | 12.2212% | 6,321 |
| Memoranda: | ||
| Average total assets | $1,953,215,000 | 354 |
| Average earning assets | $1,755,490,600 | 354 |
| Average equity | $150,467,000 | 455 |
| Average total loans | $1,139,203,800 | 393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 6,674 |
| Cost of funding earning assets | 1.1297% | 5,255 |
| Net interest margin | 3.3380% | 5,895 |
| Noninterest income to average assets | 0.6805% | 2,942 |
| Noninterest expense to average assets | 2.6974% | 4,890 |
| Loan and lease loss provision to assets | 0.5755% | 2,638 |
| Net operating income to assets | 0.3080% | 5,138 |
| Return on assets (ROA) | 0.3220% | 5,244 |
| Pretax return on assets | 0.4183% | 5,165 |
| Return on Equity (ROE) | 4.1833% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.1833% | 3,538 |
| Net charge-offs to loans | 0.6127% | 2,906 |
| Credit loss provision to net charge-offs | 157.3884% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.6680% | 3,815 |
| Efficiency ratio | 73.4387% | 3,427 |
| Assets per employee ($millions) | 3.9190% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5536% | 1,265 |
| Loan loss allowance to noncurrent loans | 54.9660% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 3.8151% | 1,862 |
| Noncurrent loans to loans | 4.6458% | 1,535 |
| Net loans and leases to total assets | 56.9198% | 5,425 |
| Net loans and leases to deposits | 62.9278% | 6,027 |
| Net loans and leases to core deposits | 64.2108% | 6,282 |
| Total domestic deposits to total assets | 90.4526% | 657 |
| Equity capital to assets | 8.2351% | 6,572 |
| Core capital (leverage) ratio | 7.8892% | 6,479 |
| Tier 1 risk-based capital ratio | 11.3406% | 6,063 |
| Total risk-based capital ratio | 12.6014% | 6,045 |
| Memoranda: | ||
| Average total assets | $1,951,862,000 | 354 |
| Average earning assets | $1,749,850,250 | 352 |
| Average equity | $150,245,500 | 453 |
| Average total loans | $1,164,918,000 | 386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 6,777 |
| Cost of funding earning assets | 1.1792% | 5,242 |
| Net interest margin | 3.2832% | 6,072 |
| Noninterest income to average assets | 0.5960% | 3,366 |
| Noninterest expense to average assets | 2.5660% | 5,468 |
| Loan and lease loss provision to assets | 0.5679% | 2,502 |
| Net operating income to assets | 0.2967% | 5,194 |
| Return on assets (ROA) | 0.2967% | 5,343 |
| Pretax return on assets | 0.4013% | 5,219 |
| Return on Equity (ROE) | 3.9464% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.9464% | 3,569 |
| Net charge-offs to loans | 0.4684% | 3,135 |
| Credit loss provision to net charge-offs | 201.7448% | 1,937 |
| Earnings coverage of net charge-offs (x) | 3.4431% | 3,320 |
| Efficiency ratio | 72.5839% | 3,728 |
| Assets per employee ($millions) | 3.9316% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 1,323 |
| Loan loss allowance to noncurrent loans | 55.6619% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.7440% | 1,866 |
| Noncurrent loans to loans | 4.4635% | 1,635 |
| Net loans and leases to total assets | 57.3464% | 5,514 |
| Net loans and leases to deposits | 62.9471% | 6,143 |
| Net loans and leases to core deposits | 64.1102% | 6,392 |
| Total domestic deposits to total assets | 91.1025% | 445 |
| Equity capital to assets | 7.5680% | 7,080 |
| Core capital (leverage) ratio | 7.3285% | 6,974 |
| Tier 1 risk-based capital ratio | 10.4026% | 6,759 |
| Total risk-based capital ratio | 11.6626% | 6,739 |
| Memoranda: | ||
| Average total assets | $1,954,545,330 | 354 |
| Average earning assets | $1,749,772,000 | 353 |
| Average equity | $146,969,000 | 462 |
| Average total loans | $1,174,754,670 | 390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 6,832 |
| Cost of funding earning assets | 1.2367% | 5,193 |
| Net interest margin | 3.2414% | 6,161 |
| Noninterest income to average assets | 0.6317% | 3,069 |
| Noninterest expense to average assets | 2.6168% | 5,281 |
| Loan and lease loss provision to assets | 0.4874% | 2,550 |
| Net operating income to assets | 0.3364% | 5,134 |
| Return on assets (ROA) | 0.3364% | 5,259 |
| Pretax return on assets | 0.4216% | 5,220 |
| Return on Equity (ROE) | 4.4883% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.4883% | 3,468 |
| Net charge-offs to loans | 0.3824% | 2,902 |
| Credit loss provision to net charge-offs | 209.8057% | 1,774 |
| Earnings coverage of net charge-offs (x) | 3.9125% | 2,751 |
| Efficiency ratio | 74.2185% | 3,546 |
| Assets per employee ($millions) | 3.8989% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3126% | 1,562 |
| Loan loss allowance to noncurrent loans | 54.9877% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 3.7755% | 1,839 |
| Noncurrent loans to loans | 4.2057% | 1,835 |
| Net loans and leases to total assets | 58.3935% | 5,369 |
| Net loans and leases to deposits | 63.9237% | 6,056 |
| Net loans and leases to core deposits | 65.0683% | 6,367 |
| Total domestic deposits to total assets | 91.3487% | 423 |
| Equity capital to assets | 7.4620% | 7,103 |
| Core capital (leverage) ratio | 7.4134% | 6,924 |
| Tier 1 risk-based capital ratio | 10.1345% | 6,941 |
| Total risk-based capital ratio | 11.3894% | 6,927 |
| Memoranda: | ||
| Average total assets | $1,948,922,000 | 367 |
| Average earning assets | $1,740,101,000 | 372 |
| Average equity | $146,068,000 | 470 |
| Average total loans | $1,184,116,500 | 403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 6,896 |
| Cost of funding earning assets | 1.4669% | 5,657 |
| Net interest margin | 3.3575% | 5,534 |
| Noninterest income to average assets | 1.9477% | 389 |
| Noninterest expense to average assets | 3.5737% | 2,210 |
| Loan and lease loss provision to assets | 1.3305% | 1,724 |
| Net operating income to assets | 0.2370% | 4,770 |
| Return on assets (ROA) | -0.0436% | 5,597 |
| Pretax return on assets | -0.3324% | 5,860 |
| Return on Equity (ROE) | -0.5638% | 5,631 |
| Retained earnings to average equity (ytd only) | -2.8167% | 5,660 |
| Net charge-offs to loans | 1.1893% | 2,064 |
| Credit loss provision to net charge-offs | 170.9416% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.8455% | 4,339 |
| Efficiency ratio | 71.3298% | 4,383 |
| Assets per employee ($millions) | 3.8502% | 4,144 |
| Cash dividends to net income (ytd only)* | -399.6324% | 7,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 1,698 |
| Loan loss allowance to noncurrent loans | 66.7594% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.3539% | 2,029 |
| Noncurrent loans to loans | 3.2531% | 2,344 |
| Net loans and leases to total assets | 60.4144% | 5,272 |
| Net loans and leases to deposits | 66.2013% | 6,021 |
| Net loans and leases to core deposits | 72.2211% | 6,646 |
| Total domestic deposits to total assets | 91.2586% | 451 |
| Equity capital to assets | 7.5282% | 7,008 |
| Core capital (leverage) ratio | 7.4606% | 6,825 |
| Tier 1 risk-based capital ratio | 9.9674% | 6,903 |
| Total risk-based capital ratio | 11.2244% | 6,870 |
| Memoranda: | ||
| Average total assets | $1,873,329,600 | 374 |
| Average earning assets | $1,708,731,600 | 378 |
| Average equity | $144,743,600 | 469 |
| Average total loans | $1,225,980,800 | 400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 6,919 |
| Cost of funding earning assets | 1.4810% | 5,907 |
| Net interest margin | 3.4022% | 5,251 |
| Noninterest income to average assets | 1.7031% | 506 |
| Noninterest expense to average assets | 3.6175% | 1,992 |
| Loan and lease loss provision to assets | 1.0438% | 1,842 |
| Net operating income to assets | 0.2893% | 4,824 |
| Return on assets (ROA) | -0.0877% | 5,906 |
| Pretax return on assets | -0.4218% | 6,225 |
| Return on Equity (ROE) | -1.1280% | 5,954 |
| Retained earnings to average equity (ytd only) | -4.1359% | 6,128 |
| Net charge-offs to loans | 0.5383% | 3,066 |
| Credit loss provision to net charge-offs | 292.0514% | 1,424 |
| Earnings coverage of net charge-offs (x) | 3.3884% | 3,551 |
| Efficiency ratio | 74.9187% | 3,707 |
| Assets per employee ($millions) | 3.4499% | 5,053 |
| Cash dividends to net income (ytd only)* | -266.6387% | 8,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 1,670 |
| Loan loss allowance to noncurrent loans | 52.7812% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 3.5327% | 1,875 |
| Noncurrent loans to loans | 3.9029% | 1,885 |
| Net loans and leases to total assets | 63.9374% | 4,885 |
| Net loans and leases to deposits | 70.2211% | 5,887 |
| Net loans and leases to core deposits | 76.1549% | 6,602 |
| Total domestic deposits to total assets | 91.0515% | 398 |
| Equity capital to assets | 7.7655% | 7,072 |
| Core capital (leverage) ratio | 7.5498% | 6,917 |
| Tier 1 risk-based capital ratio | 9.8818% | 7,068 |
| Total risk-based capital ratio | 11.1380% | 7,031 |
| Memoranda: | ||
| Average total assets | $1,858,466,250 | 391 |
| Average earning assets | $1,707,326,000 | 388 |
| Average equity | $144,553,500 | 477 |
| Average total loans | $1,234,075,750 | 412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 6,901 |
| Cost of funding earning assets | 1.5076% | 6,110 |
| Net interest margin | 3.4495% | 4,987 |
| Noninterest income to average assets | 1.6746% | 522 |
| Noninterest expense to average assets | 3.6114% | 2,039 |
| Loan and lease loss provision to assets | 0.9651% | 1,749 |
| Net operating income to assets | 0.2367% | 5,138 |
| Return on assets (ROA) | 0.1634% | 5,475 |
| Pretax return on assets | 0.1880% | 5,499 |
| Return on Equity (ROE) | 2.0992% | 5,267 |
| Retained earnings to average equity (ytd only) | -2.4193% | 5,842 |
| Net charge-offs to loans | 0.5309% | 2,735 |
| Credit loss provision to net charge-offs | 272.2019% | 1,720 |
| Earnings coverage of net charge-offs (x) | 3.4900% | 3,423 |
| Efficiency ratio | 74.4802% | 3,957 |
| Assets per employee ($millions) | 3.3178% | 5,266 |
| Cash dividends to net income (ytd only)* | 215.2475% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 2,265 |
| Loan loss allowance to noncurrent loans | 60.5076% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.8081% | 2,287 |
| Noncurrent loans to loans | 2.8468% | 2,532 |
| Net loans and leases to total assets | 64.9911% | 4,766 |
| Net loans and leases to deposits | 71.3730% | 5,827 |
| Net loans and leases to core deposits | 77.2680% | 6,591 |
| Total domestic deposits to total assets | 91.0583% | 434 |
| Equity capital to assets | 7.6980% | 7,077 |
| Core capital (leverage) ratio | 7.7611% | 6,660 |
| Tier 1 risk-based capital ratio | 9.7230% | 7,212 |
| Total risk-based capital ratio | 10.9688% | 7,159 |
| Memoranda: | ||
| Average total assets | $1,854,678,000 | 401 |
| Average earning assets | $1,706,660,330 | 396 |
| Average equity | $144,337,330 | 483 |
| Average total loans | $1,238,545,330 | 427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 6,894 |
| Cost of funding earning assets | 1.5349% | 6,291 |
| Net interest margin | 3.4802% | 4,802 |
| Noninterest income to average assets | 1.6249% | 517 |
| Noninterest expense to average assets | 3.4047% | 2,343 |
| Loan and lease loss provision to assets | 0.2811% | 3,712 |
| Net operating income to assets | 0.8414% | 2,948 |
| Return on assets (ROA) | 0.8414% | 3,094 |
| Pretax return on assets | 1.1513% | 2,796 |
| Return on Equity (ROE) | 10.7534% | 2,043 |
| Retained earnings to average equity (ytd only) | 1.7411% | 4,882 |
| Net charge-offs to loans | 0.2072% | 3,399 |
| Credit loss provision to net charge-offs | 202.1773% | 2,196 |
| Earnings coverage of net charge-offs (x) | 10.3017% | 1,962 |
| Efficiency ratio | 70.3863% | 4,496 |
| Assets per employee ($millions) | 3.7355% | 4,261 |
| Cash dividends to net income (ytd only)* | 83.8088% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 3,985 |
| Loan loss allowance to noncurrent loans | 62.4231% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 3,431 |
| Noncurrent loans to loans | 2.1087% | 3,105 |
| Net loans and leases to total assets | 66.2263% | 4,527 |
| Net loans and leases to deposits | 72.8553% | 5,638 |
| Net loans and leases to core deposits | 79.0677% | 6,452 |
| Total domestic deposits to total assets | 90.9012% | 448 |
| Equity capital to assets | 7.8775% | 6,976 |
| Core capital (leverage) ratio | 7.9271% | 6,573 |
| Tier 1 risk-based capital ratio | 9.8379% | 7,099 |
| Total risk-based capital ratio | 10.9271% | 7,192 |
| Memoranda: | ||
| Average total assets | $1,849,702,000 | 402 |
| Average earning assets | $1,707,236,000 | 399 |
| Average equity | $144,736,000 | 483 |
| Average total loans | $1,241,276,500 | 431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 7,217 |
| Cost of funding earning assets | 1.9866% | 6,451 |
| Net interest margin | 3.5482% | 5,105 |
| Noninterest income to average assets | 1.6102% | 536 |
| Noninterest expense to average assets | 3.2314% | 3,223 |
| Loan and lease loss provision to assets | 0.5559% | 2,591 |
| Net operating income to assets | 0.8491% | 3,226 |
| Return on assets (ROA) | 0.8980% | 2,850 |
| Pretax return on assets | 1.1656% | 2,786 |
| Return on Equity (ROE) | 11.7793% | 1,662 |
| Retained earnings to average equity (ytd only) | 3.4999% | 2,963 |
| Net charge-offs to loans | 0.3250% | 3,226 |
| Credit loss provision to net charge-offs | 255.6762% | 1,821 |
| Earnings coverage of net charge-offs (x) | 7.6254% | 3,062 |
| Efficiency ratio | 66.0890% | 5,110 |
| Assets per employee ($millions) | 3.4926% | 4,684 |
| Cash dividends to net income (ytd only)* | 70.2880% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,177 |
| Loan loss allowance to noncurrent loans | 61.6389% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 3,032 |
| Noncurrent loans to loans | 2.0232% | 2,736 |
| Net loans and leases to total assets | 66.2672% | 4,793 |
| Net loans and leases to deposits | 75.1535% | 5,714 |
| Net loans and leases to core deposits | 82.4048% | 6,426 |
| Total domestic deposits to total assets | 88.1758% | 1,400 |
| Equity capital to assets | 7.7729% | 7,130 |
| Core capital (leverage) ratio | 7.8848% | 6,675 |
| Tier 1 risk-based capital ratio | 9.9711% | 6,763 |
| Total risk-based capital ratio | 11.0350% | 6,862 |
| Memoranda: | ||
| Average total assets | $1,863,519,000 | 384 |
| Average earning assets | $1,722,209,400 | 378 |
| Average equity | $142,062,600 | 492 |
| Average total loans | $1,246,679,400 | 411 |