Home > Wintrust Bank > Performance and Condition Ratios
Wintrust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 667 |
| Cost of funding earning assets | 1.8118% | 1,233 |
| Net interest margin | 4.1546% | 1,000 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 2.3492% | 2,720 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 1.7510% | 662 |
| Return on assets (ROA) | 1.7514% | 629 |
| Pretax return on assets | 2.3417% | 407 |
| Return on Equity (ROE) | 16.1000% | 1,080 |
| Retained earnings to average equity (ytd only) | 0.3624% | 3,974 |
| Net charge-offs to loans | 0.2428% | 443 |
| Credit loss provision to net charge-offs | 195.3196% | 1,240 |
| Earnings coverage of net charge-offs (x) | 13.7354% | 2,102 |
| Efficiency ratio | 45.7096% | 4,201 |
| Assets per employee ($millions) | 15.8760% | 177 |
| Cash dividends to net income (ytd only)* | 97.7487% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 2,869 |
| Loan loss allowance to noncurrent loans | 250.5155% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 1,496 |
| Noncurrent loans to loans | 0.4367% | 1,685 |
| Net loans and leases to total assets | 82.8800% | 356 |
| Net loans and leases to deposits | 96.1319% | 774 |
| Net loans and leases to core deposits | 115.1036% | 776 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 10.8636% | 1,549 |
| Core capital (leverage) ratio | 10.7933% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8886% | 2,613 |
| Memoranda: | ||
| Average total assets | $9,404,468,800 | 170 |
| Average earning assets | $8,758,804,200 | 162 |
| Average equity | $1,023,137,200 | 164 |
| Average total loans | $7,798,009,800 | 147 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8288% | 655 |
| Cost of funding earning assets | 1.6455% | 1,292 |
| Net interest margin | 4.1833% | 946 |
| Noninterest income to average assets | 1.2300% | 483 |
| Noninterest expense to average assets | 2.2268% | 3,005 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.8721% | 583 |
| Return on assets (ROA) | 1.8715% | 575 |
| Pretax return on assets | 2.5163% | 375 |
| Return on Equity (ROE) | 17.2000% | 1,044 |
| Retained earnings to average equity (ytd only) | -0.4545% | 4,204 |
| Net charge-offs to loans | 0.1990% | 442 |
| Credit loss provision to net charge-offs | 212.1498% | 1,082 |
| Earnings coverage of net charge-offs (x) | 17.6173% | 1,897 |
| Efficiency ratio | 43.2086% | 4,261 |
| Assets per employee ($millions) | 15.6373% | 175 |
| Cash dividends to net income (ytd only)* | 102.6429% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,117 |
| Loan loss allowance to noncurrent loans | 362.4467% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 2,012 |
| Noncurrent loans to loans | 0.2895% | 2,197 |
| Net loans and leases to total assets | 82.3900% | 406 |
| Net loans and leases to deposits | 95.8672% | 763 |
| Net loans and leases to core deposits | 112.9151% | 769 |
| Total domestic deposits to total assets | 85.9500% | 2,211 |
| Equity capital to assets | 10.3226% | 1,633 |
| Core capital (leverage) ratio | 10.9403% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8602% | 2,653 |
| Memoranda: | ||
| Average total assets | $9,370,214,750 | 169 |
| Average earning assets | $8,734,844,500 | 162 |
| Average equity | $1,019,785,250 | 165 |
| Average total loans | $7,748,725,000 | 149 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6845% | 655 |
| Cost of funding earning assets | 1.4249% | 1,384 |
| Net interest margin | 4.2596% | 852 |
| Noninterest income to average assets | 1.2400% | 423 |
| Noninterest expense to average assets | 2.2200% | 3,015 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.9358% | 522 |
| Return on assets (ROA) | 1.9358% | 521 |
| Pretax return on assets | 2.5957% | 312 |
| Return on Equity (ROE) | 17.4800% | 1,024 |
| Retained earnings to average equity (ytd only) | 4.9267% | 2,959 |
| Net charge-offs to loans | 0.2819% | 296 |
| Credit loss provision to net charge-offs | 158.5563% | 1,166 |
| Earnings coverage of net charge-offs (x) | 12.8697% | 1,923 |
| Efficiency ratio | 42.3382% | 4,326 |
| Assets per employee ($millions) | 14.8463% | 203 |
| Cash dividends to net income (ytd only)* | 71.8216% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,459 |
| Loan loss allowance to noncurrent loans | 433.7034% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,207 |
| Noncurrent loans to loans | 0.2288% | 2,345 |
| Net loans and leases to total assets | 82.5400% | 372 |
| Net loans and leases to deposits | 96.6691% | 694 |
| Net loans and leases to core deposits | 115.2091% | 646 |
| Total domestic deposits to total assets | 85.3800% | 2,432 |
| Equity capital to assets | 11.1487% | 1,320 |
| Core capital (leverage) ratio | 11.4253% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5552% | 2,445 |
| Memoranda: | ||
| Average total assets | $9,350,528,667 | 165 |
| Average earning assets | $8,731,369,333 | 158 |
| Average equity | $1,035,265,333 | 161 |
| Average total loans | $7,714,467,000 | 145 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5579% | 567 |
| Cost of funding earning assets | 1.1324% | 1,657 |
| Net interest margin | 4.4256% | 654 |
| Noninterest income to average assets | 1.1900% | 445 |
| Noninterest expense to average assets | 2.1708% | 3,181 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.2742% | 334 |
| Return on assets (ROA) | 2.2748% | 334 |
| Pretax return on assets | 3.0502% | 193 |
| Return on Equity (ROE) | 20.6200% | 695 |
| Retained earnings to average equity (ytd only) | 20.6156% | 341 |
| Net charge-offs to loans | 0.0444% | 914 |
| Credit loss provision to net charge-offs | 166.6279% | 910 |
| Earnings coverage of net charge-offs (x) | 86.7419% | 856 |
| Efficiency ratio | 40.4926% | 4,434 |
| Assets per employee ($millions) | 15.8889% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,824 |
| Loan loss allowance to noncurrent loans | 590.6590% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,576 |
| Noncurrent loans to loans | 0.1545% | 2,715 |
| Net loans and leases to total assets | 82.3500% | 334 |
| Net loans and leases to deposits | 96.6944% | 617 |
| Net loans and leases to core deposits | 113.8032% | 585 |
| Total domestic deposits to total assets | 85.1700% | 2,813 |
| Equity capital to assets | 11.6345% | 1,114 |
| Core capital (leverage) ratio | 11.3971% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7409% | 2,482 |
| Memoranda: | ||
| Average total assets | $9,445,721,000 | 170 |
| Average earning assets | $8,835,418,500 | 162 |
| Average equity | $1,042,279,500 | 165 |
| Average total loans | $7,753,468,500 | 150 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 2,401 |
| Cost of funding earning assets | 0.3088% | 2,803 |
| Net interest margin | 3.4441% | 2,118 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 1.9968% | 3,584 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.6710% | 575 |
| Return on assets (ROA) | 1.6693% | 554 |
| Pretax return on assets | 2.2760% | 279 |
| Return on Equity (ROE) | 16.6800% | 923 |
| Retained earnings to average equity (ytd only) | 16.6807% | 193 |
| Net charge-offs to loans | 0.0507% | 1,160 |
| Credit loss provision to net charge-offs | 169.6438% | 1,216 |
| Earnings coverage of net charge-offs (x) | 61.1936% | 1,241 |
| Efficiency ratio | 44.3955% | 4,413 |
| Assets per employee ($millions) | 16.8000% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 3,823 |
| Loan loss allowance to noncurrent loans | 891.3016% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 2,946 |
| Noncurrent loans to loans | 0.0993% | 3,054 |
| Net loans and leases to total assets | 80.3900% | 549 |
| Net loans and leases to deposits | 92.8146% | 860 |
| Net loans and leases to core deposits | 103.4095% | 842 |
| Total domestic deposits to total assets | 86.6100% | 2,531 |
| Equity capital to assets | 10.4609% | 1,464 |
| Core capital (leverage) ratio | 10.6970% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9550% | 2,748 |
| Memoranda: | ||
| Average total assets | $9,459,678,800 | 167 |
| Average earning assets | $8,920,700,400 | 159 |
| Average equity | $946,672,200 | 172 |
| Average total loans | $7,524,239,000 | 147 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 3,152 |
| Cost of funding earning assets | 0.1940% | 3,346 |
| Net interest margin | 3.1161% | 2,881 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 1.9573% | 3,602 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.6148% | 636 |
| Return on assets (ROA) | 1.6126% | 621 |
| Pretax return on assets | 2.2158% | 314 |
| Return on Equity (ROE) | 16.3000% | 920 |
| Retained earnings to average equity (ytd only) | 16.3033% | 257 |
| Net charge-offs to loans | 0.0394% | 1,102 |
| Credit loss provision to net charge-offs | -229.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | 70.8377% | 1,102 |
| Efficiency ratio | 46.6439% | 4,345 |
| Assets per employee ($millions) | 16.5769% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,123 |
| Loan loss allowance to noncurrent loans | 650.0492% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 2,955 |
| Noncurrent loans to loans | 0.1208% | 3,041 |
| Net loans and leases to total assets | 79.3500% | 588 |
| Net loans and leases to deposits | 91.2891% | 807 |
| Net loans and leases to core deposits | 101.9296% | 747 |
| Total domestic deposits to total assets | 86.9300% | 2,787 |
| Equity capital to assets | 10.1627% | 1,536 |
| Core capital (leverage) ratio | 10.5927% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6641% | 2,904 |
| Memoranda: | ||
| Average total assets | $9,409,603,750 | 169 |
| Average earning assets | $8,887,145,750 | 160 |
| Average equity | $930,709,000 | 177 |
| Average total loans | $7,446,616,500 | 148 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9468% | 3,683 |
| Cost of funding earning assets | 0.1579% | 3,483 |
| Net interest margin | 2.7889% | 3,475 |
| Noninterest income to average assets | 1.2839% | 434 |
| Noninterest expense to average assets | 1.9422% | 3,597 |
| Loan and lease loss provision to assets | 0.0742% | 1,302 |
| Net operating income to assets | 1.3798% | 956 |
| Return on assets (ROA) | 1.3776% | 942 |
| Pretax return on assets | 1.9027% | 465 |
| Return on Equity (ROE) | 14.0574% | 1,101 |
| Retained earnings to average equity (ytd only) | 14.0574% | 355 |
| Net charge-offs to loans | 0.0496% | 895 |
| Credit loss provision to net charge-offs | 116.8753% | 1,193 |
| Earnings coverage of net charge-offs (x) | 50.6032% | 1,154 |
| Efficiency ratio | 49.1423% | 4,303 |
| Assets per employee ($millions) | 15.5958% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 3,997 |
| Loan loss allowance to noncurrent loans | 458.2006% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,546 |
| Noncurrent loans to loans | 0.1933% | 2,738 |
| Net loans and leases to total assets | 82.9185% | 242 |
| Net loans and leases to deposits | 95.1925% | 464 |
| Net loans and leases to core deposits | 103.4992% | 532 |
| Total domestic deposits to total assets | 87.1061% | 2,901 |
| Equity capital to assets | 10.4053% | 1,480 |
| Core capital (leverage) ratio | 9.9388% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3208% | 2,966 |
| Memoranda: | ||
| Average total assets | $9,391,001,000 | 169 |
| Average earning assets | $8,883,100,667 | 160 |
| Average equity | $920,297,333 | 177 |
| Average total loans | $7,405,253,667 | 145 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6835% | 3,981 |
| Cost of funding earning assets | 0.1500% | 3,506 |
| Net interest margin | 2.5335% | 3,826 |
| Noninterest income to average assets | 1.3957% | 388 |
| Noninterest expense to average assets | 1.9272% | 3,618 |
| Loan and lease loss provision to assets | -0.0592% | 4,531 |
| Net operating income to assets | 1.4000% | 800 |
| Return on assets (ROA) | 1.3974% | 799 |
| Pretax return on assets | 1.9234% | 423 |
| Return on Equity (ROE) | 14.6892% | 706 |
| Retained earnings to average equity (ytd only) | 14.6892% | 315 |
| Net charge-offs to loans | 0.0735% | 626 |
| Credit loss provision to net charge-offs | -23.8662% | 2,782 |
| Earnings coverage of net charge-offs (x) | 33.1948% | 1,086 |
| Efficiency ratio | 50.4001% | 4,294 |
| Assets per employee ($millions) | 17.1600% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,072 |
| Loan loss allowance to noncurrent loans | 949.5620% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,319 |
| Noncurrent loans to loans | 0.0935% | 3,374 |
| Net loans and leases to total assets | 76.1404% | 498 |
| Net loans and leases to deposits | 86.6564% | 699 |
| Net loans and leases to core deposits | 97.0584% | 610 |
| Total domestic deposits to total assets | 87.8647% | 2,585 |
| Equity capital to assets | 9.6613% | 2,169 |
| Core capital (leverage) ratio | 9.2202% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3496% | 3,000 |
| Memoranda: | ||
| Average total assets | $9,563,708,500 | 164 |
| Average earning assets | $9,055,192,000 | 159 |
| Average equity | $909,837,000 | 180 |
| Average total loans | $7,324,136,000 | 148 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9127% | 4,030 |
| Cost of funding earning assets | 0.2333% | 3,098 |
| Net interest margin | 2.6794% | 3,913 |
| Noninterest income to average assets | 1.3700% | 582 |
| Noninterest expense to average assets | 2.0793% | 3,441 |
| Loan and lease loss provision to assets | -0.1325% | 4,600 |
| Net operating income to assets | 1.4116% | 1,240 |
| Return on assets (ROA) | 1.4118% | 1,301 |
| Pretax return on assets | 1.9239% | 689 |
| Return on Equity (ROE) | 14.8479% | 985 |
| Retained earnings to average equity (ytd only) | 13.0429% | 396 |
| Net charge-offs to loans | 0.1895% | 512 |
| Credit loss provision to net charge-offs | -39.9581% | 3,234 |
| Earnings coverage of net charge-offs (x) | 11.7145% | 2,143 |
| Efficiency ratio | 53.2646% | 4,004 |
| Assets per employee ($millions) | 17.0577% | 149 |
| Cash dividends to net income (ytd only)* | 12.1570% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,033 |
| Loan loss allowance to noncurrent loans | 694.0387% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,209 |
| Noncurrent loans to loans | 0.1313% | 3,276 |
| Net loans and leases to total assets | 75.6483% | 539 |
| Net loans and leases to deposits | 85.7548% | 806 |
| Net loans and leases to core deposits | 91.1469% | 918 |
| Total domestic deposits to total assets | 88.2147% | 1,928 |
| Equity capital to assets | 9.3662% | 3,257 |
| Core capital (leverage) ratio | 9.1590% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1708% | 3,026 |
| Memoranda: | ||
| Average total assets | $8,739,826,200 | 179 |
| Average earning assets | $8,156,463,200 | 173 |
| Average equity | $830,997,600 | 191 |
| Average total loans | $7,051,883,600 | 157 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 4,078 |
| Cost of funding earning assets | 0.2551% | 3,071 |
| Net interest margin | 2.6973% | 3,984 |
| Noninterest income to average assets | 1.3918% | 616 |
| Noninterest expense to average assets | 2.0864% | 3,402 |
| Loan and lease loss provision to assets | -0.1958% | 4,748 |
| Net operating income to assets | 1.4805% | 1,320 |
| Return on assets (ROA) | 1.4808% | 1,368 |
| Pretax return on assets | 2.0097% | 783 |
| Return on Equity (ROE) | 15.5087% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.0526% | 629 |
| Net charge-offs to loans | 0.2327% | 351 |
| Credit loss provision to net charge-offs | -44.0971% | 3,127 |
| Earnings coverage of net charge-offs (x) | 9.5164% | 2,074 |
| Efficiency ratio | 53.0212% | 3,919 |
| Assets per employee ($millions) | 15.9346% | 171 |
| Cash dividends to net income (ytd only)* | 15.8370% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 4,014 |
| Loan loss allowance to noncurrent loans | 398.7482% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,685 |
| Noncurrent loans to loans | 0.2376% | 2,984 |
| Net loans and leases to total assets | 80.2001% | 275 |
| Net loans and leases to deposits | 91.5791% | 515 |
| Net loans and leases to core deposits | 98.2100% | 653 |
| Total domestic deposits to total assets | 87.5746% | 2,076 |
| Equity capital to assets | 9.6908% | 3,193 |
| Core capital (leverage) ratio | 9.0537% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1648% | 3,078 |
| Memoranda: | ||
| Average total assets | $8,528,172,250 | 179 |
| Average earning assets | $7,930,064,250 | 175 |
| Average equity | $814,274,500 | 192 |
| Average total loans | $6,985,181,000 | 159 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 4,108 |
| Cost of funding earning assets | 0.2767% | 3,023 |
| Net interest margin | 2.6874% | 4,004 |
| Noninterest income to average assets | 1.3272% | 668 |
| Noninterest expense to average assets | 2.0844% | 3,438 |
| Loan and lease loss provision to assets | -0.1500% | 4,708 |
| Net operating income to assets | 1.3885% | 1,588 |
| Return on assets (ROA) | 1.3876% | 1,668 |
| Pretax return on assets | 1.8851% | 1,050 |
| Return on Equity (ROE) | 14.6096% | 1,259 |
| Retained earnings to average equity (ytd only) | 10.8597% | 1,158 |
| Net charge-offs to loans | 0.3442% | 251 |
| Credit loss provision to net charge-offs | 12.5671% | 1,766 |
| Earnings coverage of net charge-offs (x) | 6.1339% | 1,972 |
| Efficiency ratio | 54.0438% | 3,800 |
| Assets per employee ($millions) | 15.8077% | 175 |
| Cash dividends to net income (ytd only)* | 25.6674% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,453 |
| Loan loss allowance to noncurrent loans | 465.5926% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,815 |
| Noncurrent loans to loans | 0.2346% | 3,108 |
| Net loans and leases to total assets | 78.5321% | 406 |
| Net loans and leases to deposits | 89.5455% | 675 |
| Net loans and leases to core deposits | 96.4180% | 786 |
| Total domestic deposits to total assets | 87.7008% | 1,983 |
| Equity capital to assets | 9.4776% | 3,354 |
| Core capital (leverage) ratio | 9.1148% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6590% | 3,020 |
| Memoranda: | ||
| Average total assets | $8,423,001,000 | 180 |
| Average earning assets | $7,814,959,667 | 176 |
| Average equity | $800,023,333 | 193 |
| Average total loans | $6,926,744,000 | 159 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9329% | 4,208 |
| Cost of funding earning assets | 0.2986% | 3,009 |
| Net interest margin | 2.6344% | 4,089 |
| Noninterest income to average assets | 1.3407% | 724 |
| Noninterest expense to average assets | 2.0717% | 3,509 |
| Loan and lease loss provision to assets | -0.4067% | 4,898 |
| Net operating income to assets | 1.5585% | 1,198 |
| Return on assets (ROA) | 1.5574% | 1,267 |
| Pretax return on assets | 2.1151% | 789 |
| Return on Equity (ROE) | 16.3784% | 948 |
| Retained earnings to average equity (ytd only) | 16.3784% | 479 |
| Net charge-offs to loans | 0.5040% | 164 |
| Credit loss provision to net charge-offs | -13.5052% | 2,698 |
| Earnings coverage of net charge-offs (x) | 4.0524% | 1,742 |
| Efficiency ratio | 54.2553% | 3,753 |
| Assets per employee ($millions) | 15.3254% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,571 |
| Loan loss allowance to noncurrent loans | 384.1776% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,844 |
| Noncurrent loans to loans | 0.2785% | 3,101 |
| Net loans and leases to total assets | 83.8415% | 156 |
| Net loans and leases to deposits | 96.3829% | 398 |
| Net loans and leases to core deposits | 104.4793% | 560 |
| Total domestic deposits to total assets | 86.9879% | 2,314 |
| Equity capital to assets | 9.7361% | 2,960 |
| Core capital (leverage) ratio | 9.0808% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8676% | 2,953 |
| Memoranda: | ||
| Average total assets | $8,311,106,000 | 181 |
| Average earning assets | $7,700,827,500 | 176 |
| Average equity | $790,282,500 | 194 |
| Average total loans | $6,957,367,500 | 158 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 4,316 |
| Cost of funding earning assets | 0.5552% | 2,578 |
| Net interest margin | 2.7552% | 4,318 |
| Noninterest income to average assets | 1.2112% | 764 |
| Noninterest expense to average assets | 2.1481% | 3,833 |
| Loan and lease loss provision to assets | 0.6295% | 300 |
| Net operating income to assets | 0.7098% | 3,405 |
| Return on assets (ROA) | 0.7114% | 3,530 |
| Pretax return on assets | 0.9647% | 3,160 |
| Return on Equity (ROE) | 7.5637% | 2,975 |
| Retained earnings to average equity (ytd only) | 6.2082% | 1,703 |
| Net charge-offs to loans | 0.1042% | 1,426 |
| Credit loss provision to net charge-offs | 762.4151% | 942 |
| Earnings coverage of net charge-offs (x) | 19.2827% | 1,990 |
| Efficiency ratio | 56.8157% | 3,882 |
| Assets per employee ($millions) | 14.9559% | 181 |
| Cash dividends to net income (ytd only)* | 17.9211% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,720 |
| Loan loss allowance to noncurrent loans | 355.5255% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 2,775 |
| Noncurrent loans to loans | 0.3501% | 2,945 |
| Net loans and leases to total assets | 81.6434% | 320 |
| Net loans and leases to deposits | 93.6801% | 678 |
| Net loans and leases to core deposits | 104.1157% | 718 |
| Total domestic deposits to total assets | 87.1513% | 1,863 |
| Equity capital to assets | 9.2808% | 3,807 |
| Core capital (leverage) ratio | 8.8257% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5984% | 3,008 |
| Memoranda: | ||
| Average total assets | $7,843,429,600 | 176 |
| Average earning assets | $7,199,562,200 | 173 |
| Average equity | $737,734,400 | 196 |
| Average total loans | $6,213,122,200 | 161 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 4,342 |
| Cost of funding earning assets | 0.6276% | 2,444 |
| Net interest margin | 2.7759% | 4,374 |
| Noninterest income to average assets | 1.1429% | 805 |
| Noninterest expense to average assets | 2.2157% | 3,643 |
| Loan and lease loss provision to assets | 0.7433% | 267 |
| Net operating income to assets | 0.5264% | 3,966 |
| Return on assets (ROA) | 0.5286% | 4,053 |
| Pretax return on assets | 0.7309% | 3,824 |
| Return on Equity (ROE) | 5.5998% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.7723% | 3,157 |
| Net charge-offs to loans | 0.1242% | 1,135 |
| Credit loss provision to net charge-offs | 764.5493% | 1,011 |
| Earnings coverage of net charge-offs (x) | 15.1345% | 2,117 |
| Efficiency ratio | 59.4419% | 3,460 |
| Assets per employee ($millions) | 14.6069% | 179 |
| Cash dividends to net income (ytd only)* | 32.6349% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,769 |
| Loan loss allowance to noncurrent loans | 274.3807% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 2,663 |
| Noncurrent loans to loans | 0.4304% | 2,765 |
| Net loans and leases to total assets | 81.2224% | 502 |
| Net loans and leases to deposits | 93.0161% | 1,003 |
| Net loans and leases to core deposits | 106.7244% | 820 |
| Total domestic deposits to total assets | 87.3208% | 1,534 |
| Equity capital to assets | 9.0206% | 4,106 |
| Core capital (leverage) ratio | 8.6272% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5915% | 3,010 |
| Memoranda: | ||
| Average total assets | $7,729,151,500 | 176 |
| Average earning assets | $7,084,126,750 | 172 |
| Average equity | $729,578,750 | 197 |
| Average total loans | $6,050,837,250 | 164 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,264 |
| Cost of funding earning assets | 0.7226% | 2,273 |
| Net interest margin | 2.8775% | 4,347 |
| Noninterest income to average assets | 1.1195% | 793 |
| Noninterest expense to average assets | 2.2950% | 3,529 |
| Loan and lease loss provision to assets | 1.1633% | 149 |
| Net operating income to assets | 0.2056% | 4,572 |
| Return on assets (ROA) | 0.2090% | 4,605 |
| Pretax return on assets | 0.2998% | 4,538 |
| Return on Equity (ROE) | 2.1786% | 4,497 |
| Retained earnings to average equity (ytd only) | -0.5798% | 4,420 |
| Net charge-offs to loans | 0.0252% | 2,214 |
| Credit loss provision to net charge-offs | 6,006.5574% | 191 |
| Earnings coverage of net charge-offs (x) | 75.3224% | 841 |
| Efficiency ratio | 60.4605% | 3,349 |
| Assets per employee ($millions) | 14.8243% | 176 |
| Cash dividends to net income (ytd only)* | 126.6143% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 1,988 |
| Loan loss allowance to noncurrent loans | 260.1414% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 2,635 |
| Noncurrent loans to loans | 0.5011% | 2,648 |
| Net loans and leases to total assets | 77.7898% | 874 |
| Net loans and leases to deposits | 88.7770% | 1,476 |
| Net loans and leases to core deposits | 101.2399% | 1,171 |
| Total domestic deposits to total assets | 87.6238% | 1,367 |
| Equity capital to assets | 8.6251% | 4,408 |
| Core capital (leverage) ratio | 8.3495% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5379% | 3,079 |
| Memoranda: | ||
| Average total assets | $7,559,431,000 | 178 |
| Average earning assets | $6,920,487,667 | 175 |
| Average equity | $725,055,333 | 198 |
| Average total loans | $5,810,674,667 | 167 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,994 |
| Cost of funding earning assets | 0.8682% | 2,020 |
| Net interest margin | 3.0528% | 4,198 |
| Noninterest income to average assets | 1.1098% | 699 |
| Noninterest expense to average assets | 2.1747% | 4,073 |
| Loan and lease loss provision to assets | 0.7504% | 341 |
| Net operating income to assets | 0.6857% | 3,318 |
| Return on assets (ROA) | 0.6924% | 3,370 |
| Pretax return on assets | 0.9829% | 2,896 |
| Return on Equity (ROE) | 6.8192% | 3,018 |
| Retained earnings to average equity (ytd only) | 1.3221% | 3,665 |
| Net charge-offs to loans | 0.0335% | 1,728 |
| Credit loss provision to net charge-offs | 2,961.2335% | 266 |
| Earnings coverage of net charge-offs (x) | 68.0617% | 740 |
| Efficiency ratio | 55.0736% | 4,299 |
| Assets per employee ($millions) | 13.2914% | 177 |
| Cash dividends to net income (ytd only)* | 80.6127% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,799 |
| Loan loss allowance to noncurrent loans | 149.1202% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 2,414 |
| Noncurrent loans to loans | 0.6583% | 2,341 |
| Net loans and leases to total assets | 74.8174% | 1,482 |
| Net loans and leases to deposits | 86.6647% | 1,915 |
| Net loans and leases to core deposits | 101.2638% | 1,379 |
| Total domestic deposits to total assets | 86.3297% | 1,860 |
| Equity capital to assets | 9.6857% | 4,056 |
| Core capital (leverage) ratio | 9.8584% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1296% | 3,308 |
| Memoranda: | ||
| Average total assets | $7,166,119,000 | 181 |
| Average earning assets | $6,548,464,000 | 181 |
| Average equity | $727,654,000 | 199 |
| Average total loans | $5,426,947,000 | 173 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 2,875 |
| Cost of funding earning assets | 1.0145% | 1,665 |
| Net interest margin | 3.5062% | 3,431 |
| Noninterest income to average assets | 1.3269% | 540 |
| Noninterest expense to average assets | 2.3812% | 3,732 |
| Loan and lease loss provision to assets | 0.0562% | 2,905 |
| Net operating income to assets | 1.5788% | 877 |
| Return on assets (ROA) | 1.5797% | 935 |
| Pretax return on assets | 2.1234% | 451 |
| Return on Equity (ROE) | 14.8528% | 715 |
| Retained earnings to average equity (ytd only) | 11.8505% | 252 |
| Net charge-offs to loans | 0.0428% | 2,538 |
| Credit loss provision to net charge-offs | 166.0377% | 1,565 |
| Earnings coverage of net charge-offs (x) | 64.3613% | 943 |
| Efficiency ratio | 51.5510% | 4,636 |
| Assets per employee ($millions) | 12.1225% | 215 |
| Cash dividends to net income (ytd only)* | 20.2132% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,396 |
| Loan loss allowance to noncurrent loans | 156.1197% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 2,728 |
| Noncurrent loans to loans | 0.4924% | 2,708 |
| Net loans and leases to total assets | 75.3343% | 1,532 |
| Net loans and leases to deposits | 86.6883% | 2,012 |
| Net loans and leases to core deposits | 93.3367% | 2,127 |
| Total domestic deposits to total assets | 86.9024% | 1,656 |
| Equity capital to assets | 10.6659% | 3,289 |
| Core capital (leverage) ratio | 10.3223% | 3,165 |
| Tier 1 risk-based capital ratio | 11.0938% | 4,820 |
| Total risk-based capital ratio | 11.7639% | 4,939 |
| Memoranda: | ||
| Average total assets | $6,263,431,000 | 191 |
| Average earning assets | $5,774,970,200 | 189 |
| Average equity | $666,172,000 | 203 |
| Average total loans | $4,957,417,400 | 182 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 2,582 |
| Cost of funding earning assets | 1.0264% | 1,649 |
| Net interest margin | 3.6194% | 3,199 |
| Noninterest income to average assets | 1.3200% | 536 |
| Noninterest expense to average assets | 2.4022% | 3,675 |
| Loan and lease loss provision to assets | 0.0603% | 2,689 |
| Net operating income to assets | 1.6318% | 858 |
| Return on assets (ROA) | 1.6332% | 902 |
| Pretax return on assets | 2.1902% | 459 |
| Return on Equity (ROE) | 15.3675% | 703 |
| Retained earnings to average equity (ytd only) | 11.2656% | 477 |
| Net charge-offs to loans | 0.0567% | 2,019 |
| Credit loss provision to net charge-offs | 133.0130% | 1,793 |
| Earnings coverage of net charge-offs (x) | 49.5790% | 1,203 |
| Efficiency ratio | 50.9778% | 4,676 |
| Assets per employee ($millions) | 11.5913% | 235 |
| Cash dividends to net income (ytd only)* | 26.6923% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 4,486 |
| Loan loss allowance to noncurrent loans | 294.8558% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,470 |
| Noncurrent loans to loans | 0.2617% | 3,606 |
| Net loans and leases to total assets | 78.3284% | 1,090 |
| Net loans and leases to deposits | 90.5866% | 1,621 |
| Net loans and leases to core deposits | 102.3833% | 1,467 |
| Total domestic deposits to total assets | 86.4680% | 1,784 |
| Equity capital to assets | 10.9484% | 3,144 |
| Core capital (leverage) ratio | 10.4110% | 3,184 |
| Tier 1 risk-based capital ratio | 11.0913% | 4,868 |
| Total risk-based capital ratio | 11.7723% | 5,000 |
| Memoranda: | ||
| Average total assets | $6,116,990,250 | 196 |
| Average earning assets | $5,629,751,500 | 194 |
| Average equity | $650,083,500 | 212 |
| Average total loans | $4,896,830,500 | 184 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 2,432 |
| Cost of funding earning assets | 1.0013% | 1,690 |
| Net interest margin | 3.6758% | 3,007 |
| Noninterest income to average assets | 1.3419% | 489 |
| Noninterest expense to average assets | 2.4180% | 3,694 |
| Loan and lease loss provision to assets | 0.0841% | 2,165 |
| Net operating income to assets | 1.6704% | 766 |
| Return on assets (ROA) | 1.6719% | 798 |
| Pretax return on assets | 2.2346% | 417 |
| Return on Equity (ROE) | 15.9040% | 604 |
| Retained earnings to average equity (ytd only) | 9.5706% | 892 |
| Net charge-offs to loans | 0.0722% | 1,643 |
| Credit loss provision to net charge-offs | 144.6735% | 1,532 |
| Earnings coverage of net charge-offs (x) | 39.8574% | 1,248 |
| Efficiency ratio | 50.4254% | 4,760 |
| Assets per employee ($millions) | 10.6758% | 288 |
| Cash dividends to net income (ytd only)* | 39.8224% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,490 |
| Loan loss allowance to noncurrent loans | 271.4956% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 3,387 |
| Noncurrent loans to loans | 0.2894% | 3,493 |
| Net loans and leases to total assets | 80.1187% | 863 |
| Net loans and leases to deposits | 92.4649% | 1,438 |
| Net loans and leases to core deposits | 107.0677% | 1,170 |
| Total domestic deposits to total assets | 86.6478% | 1,749 |
| Equity capital to assets | 10.9698% | 3,099 |
| Core capital (leverage) ratio | 10.6647% | 2,920 |
| Tier 1 risk-based capital ratio | 10.9925% | 4,909 |
| Total risk-based capital ratio | 11.6964% | 5,043 |
| Memoranda: | ||
| Average total assets | $6,007,738,000 | 201 |
| Average earning assets | $5,545,329,330 | 196 |
| Average equity | $631,578,330 | 215 |
| Average total loans | $4,833,329,670 | 184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 2,379 |
| Cost of funding earning assets | 0.9704% | 1,697 |
| Net interest margin | 3.6790% | 2,973 |
| Noninterest income to average assets | 1.4060% | 435 |
| Noninterest expense to average assets | 2.3923% | 3,785 |
| Loan and lease loss provision to assets | 0.0579% | 2,499 |
| Net operating income to assets | 1.7862% | 596 |
| Return on assets (ROA) | 1.7866% | 614 |
| Pretax return on assets | 2.3635% | 319 |
| Return on Equity (ROE) | 17.3911% | 454 |
| Retained earnings to average equity (ytd only) | 17.3911% | 167 |
| Net charge-offs to loans | 0.0190% | 2,086 |
| Credit loss provision to net charge-offs | 380.4444% | 714 |
| Earnings coverage of net charge-offs (x) | 158.9822% | 486 |
| Efficiency ratio | 49.0797% | 4,888 |
| Assets per employee ($millions) | 11.3398% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 4,454 |
| Loan loss allowance to noncurrent loans | 275.1509% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 3,309 |
| Noncurrent loans to loans | 0.2984% | 3,492 |
| Net loans and leases to total assets | 79.8648% | 855 |
| Net loans and leases to deposits | 91.2358% | 1,489 |
| Net loans and leases to core deposits | 103.8682% | 1,325 |
| Total domestic deposits to total assets | 87.5367% | 1,554 |
| Equity capital to assets | 10.4845% | 3,356 |
| Core capital (leverage) ratio | 10.0269% | 3,573 |
| Tier 1 risk-based capital ratio | 10.6811% | 5,124 |
| Total risk-based capital ratio | 11.4180% | 5,201 |
| Memoranda: | ||
| Average total assets | $5,910,293,500 | 202 |
| Average earning assets | $5,473,819,500 | 197 |
| Average equity | $607,160,500 | 223 |
| Average total loans | $4,745,583,000 | 185 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,990 |
| Cost of funding earning assets | 0.7407% | 1,845 |
| Net interest margin | 3.5919% | 3,410 |
| Noninterest income to average assets | 1.4938% | 413 |
| Noninterest expense to average assets | 2.5490% | 3,470 |
| Loan and lease loss provision to assets | 0.2159% | 841 |
| Net operating income to assets | 1.5646% | 960 |
| Return on assets (ROA) | 1.5637% | 955 |
| Pretax return on assets | 2.0796% | 458 |
| Return on Equity (ROE) | 15.9428% | 644 |
| Retained earnings to average equity (ytd only) | 15.9428% | 90 |
| Net charge-offs to loans | 0.1736% | 1,113 |
| Credit loss provision to net charge-offs | 151.6352% | 1,816 |
| Earnings coverage of net charge-offs (x) | 16.1325% | 2,273 |
| Efficiency ratio | 52.1878% | 4,778 |
| Assets per employee ($millions) | 11.2617% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 4,470 |
| Loan loss allowance to noncurrent loans | 155.2378% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 2,564 |
| Noncurrent loans to loans | 0.5272% | 2,687 |
| Net loans and leases to total assets | 79.4043% | 1,037 |
| Net loans and leases to deposits | 90.6248% | 1,717 |
| Net loans and leases to core deposits | 100.0751% | 1,715 |
| Total domestic deposits to total assets | 87.6187% | 1,477 |
| Equity capital to assets | 10.0599% | 3,620 |
| Core capital (leverage) ratio | 9.7060% | 3,899 |
| Tier 1 risk-based capital ratio | 10.2344% | 5,255 |
| Total risk-based capital ratio | 11.4983% | 5,177 |
| Memoranda: | ||
| Average total assets | $5,283,625,400 | 215 |
| Average earning assets | $4,930,667,000 | 209 |
| Average equity | $518,214,400 | 235 |
| Average total loans | $4,332,283,000 | 190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 3,153 |
| Cost of funding earning assets | 0.6652% | 2,062 |
| Net interest margin | 3.5840% | 3,420 |
| Noninterest income to average assets | 1.5871% | 387 |
| Noninterest expense to average assets | 2.5898% | 3,316 |
| Loan and lease loss provision to assets | 0.2094% | 808 |
| Net operating income to assets | 1.6185% | 935 |
| Return on assets (ROA) | 1.6167% | 936 |
| Pretax return on assets | 2.1384% | 443 |
| Return on Equity (ROE) | 16.6057% | 598 |
| Retained earnings to average equity (ytd only) | 16.6057% | 117 |
| Net charge-offs to loans | 0.0809% | 1,713 |
| Credit loss provision to net charge-offs | 313.7408% | 985 |
| Earnings coverage of net charge-offs (x) | 35.2106% | 1,461 |
| Efficiency ratio | 52.1037% | 4,801 |
| Assets per employee ($millions) | 10.7729% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,373 |
| Loan loss allowance to noncurrent loans | 92.7760% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 1,698 |
| Noncurrent loans to loans | 0.9368% | 1,819 |
| Net loans and leases to total assets | 82.1598% | 686 |
| Net loans and leases to deposits | 93.8823% | 1,391 |
| Net loans and leases to core deposits | 109.7874% | 1,050 |
| Total domestic deposits to total assets | 87.5136% | 1,478 |
| Equity capital to assets | 10.1951% | 3,460 |
| Core capital (leverage) ratio | 9.6009% | 4,058 |
| Tier 1 risk-based capital ratio | 10.0368% | 5,374 |
| Total risk-based capital ratio | 11.3595% | 5,296 |
| Memoranda: | ||
| Average total assets | $5,132,065,750 | 220 |
| Average earning assets | $4,800,859,250 | 213 |
| Average equity | $499,638,750 | 238 |
| Average total loans | $4,236,504,750 | 191 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,473 |
| Cost of funding earning assets | 0.5648% | 2,478 |
| Net interest margin | 3.5291% | 3,539 |
| Noninterest income to average assets | 1.6124% | 383 |
| Noninterest expense to average assets | 2.6002% | 3,325 |
| Loan and lease loss provision to assets | 0.0285% | 3,340 |
| Net operating income to assets | 1.7122% | 702 |
| Return on assets (ROA) | 1.7098% | 708 |
| Pretax return on assets | 2.2871% | 338 |
| Return on Equity (ROE) | 17.8775% | 428 |
| Retained earnings to average equity (ytd only) | 17.8775% | 97 |
| Net charge-offs to loans | 0.0927% | 1,420 |
| Credit loss provision to net charge-offs | 37.2570% | 2,584 |
| Earnings coverage of net charge-offs (x) | 30.3531% | 1,495 |
| Efficiency ratio | 52.6562% | 4,817 |
| Assets per employee ($millions) | 10.3912% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,732 |
| Loan loss allowance to noncurrent loans | 368.5988% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,774 |
| Noncurrent loans to loans | 0.2135% | 3,956 |
| Net loans and leases to total assets | 81.1498% | 833 |
| Net loans and leases to deposits | 92.2954% | 1,552 |
| Net loans and leases to core deposits | 108.8941% | 1,058 |
| Total domestic deposits to total assets | 87.9239% | 1,423 |
| Equity capital to assets | 9.5511% | 4,053 |
| Core capital (leverage) ratio | 9.5855% | 4,014 |
| Tier 1 risk-based capital ratio | 9.9783% | 5,436 |
| Total risk-based capital ratio | 11.4742% | 5,289 |
| Memoranda: | ||
| Average total assets | $4,982,633,000 | 218 |
| Average earning assets | $4,668,149,330 | 216 |
| Average equity | $476,544,000 | 246 |
| Average total loans | $4,107,001,670 | 196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,696 |
| Cost of funding earning assets | 0.4992% | 2,802 |
| Net interest margin | 3.4797% | 3,608 |
| Noninterest income to average assets | 1.6152% | 379 |
| Noninterest expense to average assets | 2.5802% | 3,391 |
| Loan and lease loss provision to assets | 0.0322% | 3,074 |
| Net operating income to assets | 1.6925% | 695 |
| Return on assets (ROA) | 1.6884% | 707 |
| Pretax return on assets | 2.2587% | 342 |
| Return on Equity (ROE) | 17.6404% | 446 |
| Retained earnings to average equity (ytd only) | 17.6404% | 167 |
| Net charge-offs to loans | 0.2239% | 672 |
| Credit loss provision to net charge-offs | 17.3682% | 2,139 |
| Earnings coverage of net charge-offs (x) | 12.3881% | 1,804 |
| Efficiency ratio | 52.6996% | 4,905 |
| Assets per employee ($millions) | 10.2668% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,775 |
| Loan loss allowance to noncurrent loans | 299.7992% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,619 |
| Noncurrent loans to loans | 0.2692% | 3,806 |
| Net loans and leases to total assets | 81.7693% | 689 |
| Net loans and leases to deposits | 93.2679% | 1,306 |
| Net loans and leases to core deposits | 112.5354% | 863 |
| Total domestic deposits to total assets | 87.6714% | 1,803 |
| Equity capital to assets | 9.6267% | 3,966 |
| Core capital (leverage) ratio | 9.4755% | 4,093 |
| Tier 1 risk-based capital ratio | 9.8805% | 5,522 |
| Total risk-based capital ratio | 11.4202% | 5,389 |
| Memoranda: | ||
| Average total assets | $4,870,953,000 | 218 |
| Average earning assets | $4,564,926,500 | 217 |
| Average equity | $466,202,500 | 251 |
| Average total loans | $4,031,420,500 | 198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,045 |
| Cost of funding earning assets | 0.3948% | 3,301 |
| Net interest margin | 3.4078% | 3,828 |
| Noninterest income to average assets | 1.5907% | 414 |
| Noninterest expense to average assets | 2.7235% | 3,051 |
| Loan and lease loss provision to assets | 0.2310% | 840 |
| Net operating income to assets | 1.1159% | 1,807 |
| Return on assets (ROA) | 1.1163% | 1,829 |
| Pretax return on assets | 1.8148% | 767 |
| Return on Equity (ROE) | 11.7220% | 1,284 |
| Retained earnings to average equity (ytd only) | 11.7220% | 196 |
| Net charge-offs to loans | 0.0583% | 2,643 |
| Credit loss provision to net charge-offs | 477.3743% | 655 |
| Earnings coverage of net charge-offs (x) | 42.2654% | 1,213 |
| Efficiency ratio | 56.8471% | 4,678 |
| Assets per employee ($millions) | 10.0075% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,595 |
| Loan loss allowance to noncurrent loans | 264.7001% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,425 |
| Noncurrent loans to loans | 0.3286% | 3,595 |
| Net loans and leases to total assets | 82.3808% | 626 |
| Net loans and leases to deposits | 93.5925% | 1,316 |
| Net loans and leases to core deposits | 109.9061% | 1,010 |
| Total domestic deposits to total assets | 88.0207% | 1,489 |
| Equity capital to assets | 9.5139% | 4,223 |
| Core capital (leverage) ratio | 9.2324% | 4,364 |
| Tier 1 risk-based capital ratio | 9.6237% | 5,589 |
| Total risk-based capital ratio | 11.2351% | 5,482 |
| Memoranda: | ||
| Average total assets | $4,438,939,400 | 231 |
| Average earning assets | $4,139,567,000 | 224 |
| Average equity | $422,733,800 | 256 |
| Average total loans | $3,685,780,000 | 203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 4,235 |
| Cost of funding earning assets | 0.3688% | 3,476 |
| Net interest margin | 3.3633% | 3,974 |
| Noninterest income to average assets | 1.5987% | 430 |
| Noninterest expense to average assets | 2.6748% | 3,142 |
| Loan and lease loss provision to assets | 0.2988% | 525 |
| Net operating income to assets | 1.1069% | 2,057 |
| Return on assets (ROA) | 1.1073% | 2,110 |
| Pretax return on assets | 1.7599% | 980 |
| Return on Equity (ROE) | 11.6241% | 1,451 |
| Retained earnings to average equity (ytd only) | 11.6241% | 328 |
| Net charge-offs to loans | 0.0549% | 2,353 |
| Credit loss provision to net charge-offs | 655.7201% | 503 |
| Earnings coverage of net charge-offs (x) | 45.1616% | 1,196 |
| Efficiency ratio | 56.2371% | 4,712 |
| Assets per employee ($millions) | 9.6512% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,475 |
| Loan loss allowance to noncurrent loans | 244.2041% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 3,484 |
| Noncurrent loans to loans | 0.3761% | 3,604 |
| Net loans and leases to total assets | 82.1037% | 671 |
| Net loans and leases to deposits | 93.3289% | 1,376 |
| Net loans and leases to core deposits | 110.1095% | 1,020 |
| Total domestic deposits to total assets | 87.9724% | 1,378 |
| Equity capital to assets | 9.5431% | 4,400 |
| Core capital (leverage) ratio | 9.2229% | 4,493 |
| Tier 1 risk-based capital ratio | 9.7616% | 5,639 |
| Total risk-based capital ratio | 11.4696% | 5,493 |
| Memoranda: | ||
| Average total assets | $4,347,777,000 | 236 |
| Average earning assets | $4,051,553,500 | 231 |
| Average equity | $414,165,250 | 257 |
| Average total loans | $3,609,235,000 | 206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 4,520 |
| Cost of funding earning assets | 0.3241% | 3,849 |
| Net interest margin | 3.2726% | 4,202 |
| Noninterest income to average assets | 1.6409% | 422 |
| Noninterest expense to average assets | 2.6884% | 3,127 |
| Loan and lease loss provision to assets | 0.2796% | 567 |
| Net operating income to assets | 1.0976% | 1,989 |
| Return on assets (ROA) | 1.0978% | 2,044 |
| Pretax return on assets | 1.7304% | 988 |
| Return on Equity (ROE) | 11.5322% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.5322% | 369 |
| Net charge-offs to loans | 0.0104% | 3,092 |
| Credit loss provision to net charge-offs | 3,244.0217% | 128 |
| Earnings coverage of net charge-offs (x) | 233.1304% | 364 |
| Efficiency ratio | 56.9257% | 4,719 |
| Assets per employee ($millions) | 9.4356% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,754 |
| Loan loss allowance to noncurrent loans | 249.8960% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,712 |
| Noncurrent loans to loans | 0.3479% | 3,788 |
| Net loans and leases to total assets | 83.0038% | 555 |
| Net loans and leases to deposits | 94.5958% | 1,217 |
| Net loans and leases to core deposits | 114.7634% | 766 |
| Total domestic deposits to total assets | 87.7457% | 1,592 |
| Equity capital to assets | 9.5279% | 4,383 |
| Core capital (leverage) ratio | 9.6964% | 3,901 |
| Tier 1 risk-based capital ratio | 9.5980% | 5,698 |
| Total risk-based capital ratio | 11.2733% | 5,577 |
| Memoranda: | ||
| Average total assets | $4,268,927,670 | 238 |
| Average earning assets | $3,987,836,330 | 233 |
| Average equity | $406,392,000 | 262 |
| Average total loans | $3,546,051,330 | 212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 4,752 |
| Cost of funding earning assets | 0.3066% | 3,976 |
| Net interest margin | 3.1716% | 4,431 |
| Noninterest income to average assets | 1.6338% | 419 |
| Noninterest expense to average assets | 2.6915% | 3,177 |
| Loan and lease loss provision to assets | 0.1044% | 1,831 |
| Net operating income to assets | 1.1708% | 1,584 |
| Return on assets (ROA) | 1.1708% | 1,629 |
| Pretax return on assets | 1.8077% | 782 |
| Return on Equity (ROE) | 12.3043% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.3043% | 445 |
| Net charge-offs to loans | 0.0154% | 2,493 |
| Credit loss provision to net charge-offs | 819.5489% | 379 |
| Earnings coverage of net charge-offs (x) | 150.1128% | 364 |
| Efficiency ratio | 58.1551% | 4,697 |
| Assets per employee ($millions) | 8.9688% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 5,075 |
| Loan loss allowance to noncurrent loans | 182.8344% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,504 |
| Noncurrent loans to loans | 0.4360% | 3,531 |
| Net loans and leases to total assets | 82.0294% | 565 |
| Net loans and leases to deposits | 93.2850% | 1,186 |
| Net loans and leases to core deposits | 112.1268% | 765 |
| Total domestic deposits to total assets | 87.9341% | 1,754 |
| Equity capital to assets | 9.6450% | 4,135 |
| Core capital (leverage) ratio | 9.5995% | 4,005 |
| Tier 1 risk-based capital ratio | 9.7619% | 5,741 |
| Total risk-based capital ratio | 11.4310% | 5,609 |
| Memoranda: | ||
| Average total assets | $4,176,591,000 | 243 |
| Average earning assets | $3,910,880,500 | 236 |
| Average equity | $397,421,500 | 264 |
| Average total loans | $3,454,537,000 | 219 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 4,773 |
| Cost of funding earning assets | 0.3290% | 3,761 |
| Net interest margin | 3.1736% | 4,524 |
| Noninterest income to average assets | 1.7273% | 408 |
| Noninterest expense to average assets | 2.7825% | 3,080 |
| Loan and lease loss provision to assets | 0.1910% | 1,229 |
| Net operating income to assets | 1.0336% | 2,214 |
| Return on assets (ROA) | 1.0406% | 2,280 |
| Pretax return on assets | 1.6910% | 1,023 |
| Return on Equity (ROE) | 11.3390% | 1,452 |
| Retained earnings to average equity (ytd only) | 11.3390% | 271 |
| Net charge-offs to loans | 0.0712% | 2,678 |
| Credit loss provision to net charge-offs | 329.5534% | 914 |
| Earnings coverage of net charge-offs (x) | 32.2767% | 1,366 |
| Efficiency ratio | 59.4346% | 4,672 |
| Assets per employee ($millions) | 9.0146% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 5,174 |
| Loan loss allowance to noncurrent loans | 159.5703% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 3,414 |
| Noncurrent loans to loans | 0.4849% | 3,417 |
| Net loans and leases to total assets | 82.0952% | 593 |
| Net loans and leases to deposits | 93.4442% | 1,253 |
| Net loans and leases to core deposits | 111.4177% | 811 |
| Total domestic deposits to total assets | 87.8548% | 1,709 |
| Equity capital to assets | 9.3852% | 4,386 |
| Core capital (leverage) ratio | 9.1687% | 4,524 |
| Tier 1 risk-based capital ratio | 9.5631% | 5,811 |
| Total risk-based capital ratio | 11.2275% | 5,701 |
| Memoranda: | ||
| Average total assets | $3,939,833,600 | 239 |
| Average earning assets | $3,632,986,200 | 236 |
| Average equity | $361,565,000 | 281 |
| Average total loans | $3,205,858,800 | 217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,819 |
| Cost of funding earning assets | 0.3352% | 3,715 |
| Net interest margin | 3.1589% | 4,608 |
| Noninterest income to average assets | 1.7476% | 418 |
| Noninterest expense to average assets | 2.7749% | 3,097 |
| Loan and lease loss provision to assets | 0.2324% | 852 |
| Net operating income to assets | 1.0110% | 2,382 |
| Return on assets (ROA) | 1.0182% | 2,477 |
| Pretax return on assets | 1.6522% | 1,242 |
| Return on Equity (ROE) | 11.1632% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.1632% | 408 |
| Net charge-offs to loans | 0.0809% | 2,164 |
| Credit loss provision to net charge-offs | 354.6359% | 920 |
| Earnings coverage of net charge-offs (x) | 28.5835% | 1,535 |
| Efficiency ratio | 59.3269% | 4,644 |
| Assets per employee ($millions) | 8.9261% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,204 |
| Loan loss allowance to noncurrent loans | 165.5709% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 3,582 |
| Noncurrent loans to loans | 0.4789% | 3,575 |
| Net loans and leases to total assets | 80.8169% | 781 |
| Net loans and leases to deposits | 92.0878% | 1,487 |
| Net loans and leases to core deposits | 105.8548% | 1,194 |
| Total domestic deposits to total assets | 87.7608% | 1,521 |
| Equity capital to assets | 9.3768% | 4,782 |
| Core capital (leverage) ratio | 8.9178% | 4,922 |
| Tier 1 risk-based capital ratio | 9.5623% | 5,868 |
| Total risk-based capital ratio | 11.2699% | 5,743 |
| Memoranda: | ||
| Average total assets | $3,883,609,000 | 239 |
| Average earning assets | $3,566,144,250 | 239 |
| Average equity | $354,239,250 | 281 |
| Average total loans | $3,145,896,750 | 220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 4,962 |
| Cost of funding earning assets | 0.3371% | 3,729 |
| Net interest margin | 3.1243% | 4,765 |
| Noninterest income to average assets | 1.7335% | 425 |
| Noninterest expense to average assets | 2.7249% | 3,291 |
| Loan and lease loss provision to assets | 0.2280% | 899 |
| Net operating income to assets | 1.0086% | 2,353 |
| Return on assets (ROA) | 1.0108% | 2,479 |
| Pretax return on assets | 1.6435% | 1,243 |
| Return on Equity (ROE) | 11.1934% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.1934% | 416 |
| Net charge-offs to loans | 0.0405% | 2,650 |
| Credit loss provision to net charge-offs | 696.9600% | 507 |
| Earnings coverage of net charge-offs (x) | 57.1056% | 913 |
| Efficiency ratio | 58.9357% | 4,780 |
| Assets per employee ($millions) | 8.5303% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 5,328 |
| Loan loss allowance to noncurrent loans | 155.8734% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,567 |
| Noncurrent loans to loans | 0.4996% | 3,582 |
| Net loans and leases to total assets | 81.3816% | 698 |
| Net loans and leases to deposits | 92.8388% | 1,415 |
| Net loans and leases to core deposits | 106.6306% | 1,128 |
| Total domestic deposits to total assets | 87.6591% | 1,596 |
| Equity capital to assets | 9.3035% | 4,969 |
| Core capital (leverage) ratio | 8.9798% | 4,850 |
| Tier 1 risk-based capital ratio | 9.4201% | 5,964 |
| Total risk-based capital ratio | 11.1422% | 5,837 |
| Memoranda: | ||
| Average total assets | $3,821,380,670 | 244 |
| Average earning assets | $3,497,335,670 | 244 |
| Average equity | $345,097,330 | 284 |
| Average total loans | $3,089,269,670 | 225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 5,049 |
| Cost of funding earning assets | 0.3368% | 3,761 |
| Net interest margin | 3.0930% | 4,882 |
| Noninterest income to average assets | 1.7992% | 396 |
| Noninterest expense to average assets | 2.7267% | 3,320 |
| Loan and lease loss provision to assets | 0.2528% | 692 |
| Net operating income to assets | 1.0202% | 2,192 |
| Return on assets (ROA) | 1.0150% | 2,329 |
| Pretax return on assets | 1.6612% | 1,153 |
| Return on Equity (ROE) | 11.4202% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.4202% | 588 |
| Net charge-offs to loans | 0.0695% | 1,786 |
| Credit loss provision to net charge-offs | 453.6260% | 653 |
| Earnings coverage of net charge-offs (x) | 34.4962% | 1,100 |
| Efficiency ratio | 58.2575% | 4,963 |
| Assets per employee ($millions) | 8.2565% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 5,480 |
| Loan loss allowance to noncurrent loans | 150.1708% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 3,506 |
| Noncurrent loans to loans | 0.5023% | 3,672 |
| Net loans and leases to total assets | 79.0221% | 947 |
| Net loans and leases to deposits | 89.8442% | 1,595 |
| Net loans and leases to core deposits | 104.5135% | 1,158 |
| Total domestic deposits to total assets | 87.9546% | 1,663 |
| Equity capital to assets | 8.8137% | 5,332 |
| Core capital (leverage) ratio | 8.7885% | 5,085 |
| Tier 1 risk-based capital ratio | 9.3124% | 6,030 |
| Total risk-based capital ratio | 11.3634% | 5,819 |
| Memoranda: | ||
| Average total assets | $3,761,582,500 | 249 |
| Average earning assets | $3,465,640,500 | 246 |
| Average equity | $334,321,000 | 290 |
| Average total loans | $3,017,704,000 | 227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 5,087 |
| Cost of funding earning assets | 0.3419% | 3,780 |
| Net interest margin | 3.0925% | 4,919 |
| Noninterest income to average assets | 1.7953% | 413 |
| Noninterest expense to average assets | 2.9901% | 2,582 |
| Loan and lease loss provision to assets | 0.1115% | 2,133 |
| Net operating income to assets | 0.9489% | 2,619 |
| Return on assets (ROA) | 0.9505% | 2,689 |
| Pretax return on assets | 1.5568% | 1,384 |
| Return on Equity (ROE) | 11.2929% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.2929% | 310 |
| Net charge-offs to loans | 0.0137% | 4,022 |
| Credit loss provision to net charge-offs | 1,000.5405% | 331 |
| Earnings coverage of net charge-offs (x) | 149.5459% | 424 |
| Efficiency ratio | 63.8347% | 4,307 |
| Assets per employee ($millions) | 7.6046% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 5,586 |
| Loan loss allowance to noncurrent loans | 127.8363% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 3,174 |
| Noncurrent loans to loans | 0.5700% | 3,465 |
| Net loans and leases to total assets | 80.2760% | 808 |
| Net loans and leases to deposits | 91.3760% | 1,464 |
| Net loans and leases to core deposits | 105.7319% | 1,113 |
| Total domestic deposits to total assets | 87.8524% | 1,717 |
| Equity capital to assets | 8.9667% | 5,157 |
| Core capital (leverage) ratio | 8.9400% | 4,955 |
| Tier 1 risk-based capital ratio | 9.3044% | 6,072 |
| Total risk-based capital ratio | 11.2678% | 5,892 |
| Memoranda: | ||
| Average total assets | $3,321,627,800 | 258 |
| Average earning assets | $3,072,500,800 | 254 |
| Average equity | $279,565,000 | 322 |
| Average total loans | $2,691,691,800 | 233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 5,067 |
| Cost of funding earning assets | 0.3438% | 3,823 |
| Net interest margin | 3.1211% | 4,909 |
| Noninterest income to average assets | 1.8184% | 411 |
| Noninterest expense to average assets | 2.9949% | 2,541 |
| Loan and lease loss provision to assets | 0.0808% | 2,556 |
| Net operating income to assets | 0.9886% | 2,521 |
| Return on assets (ROA) | 0.9907% | 2,600 |
| Pretax return on assets | 1.6265% | 1,310 |
| Return on Equity (ROE) | 11.9912% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.9912% | 368 |
| Net charge-offs to loans | -0.0019% | 4,700 |
| Credit loss provision to net charge-offs | -5,168.4211% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3694% | 4,353 |
| Assets per employee ($millions) | 7.2386% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 5,690 |
| Loan loss allowance to noncurrent loans | 115.4896% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 3,151 |
| Noncurrent loans to loans | 0.6217% | 3,456 |
| Net loans and leases to total assets | 80.8544% | 714 |
| Net loans and leases to deposits | 92.2771% | 1,375 |
| Net loans and leases to core deposits | 104.9458% | 1,169 |
| Total domestic deposits to total assets | 87.6213% | 1,737 |
| Equity capital to assets | 8.9346% | 5,366 |
| Core capital (leverage) ratio | 8.6420% | 5,418 |
| Tier 1 risk-based capital ratio | 9.2554% | 6,172 |
| Total risk-based capital ratio | 11.2982% | 5,979 |
| Memoranda: | ||
| Average total assets | $3,241,383,750 | 266 |
| Average earning assets | $2,991,515,250 | 262 |
| Average equity | $267,800,750 | 336 |
| Average total loans | $2,628,214,250 | 239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,116 |
| Cost of funding earning assets | 0.3514% | 3,791 |
| Net interest margin | 3.0950% | 4,982 |
| Noninterest income to average assets | 1.8608% | 411 |
| Noninterest expense to average assets | 3.0003% | 2,546 |
| Loan and lease loss provision to assets | 0.0528% | 3,067 |
| Net operating income to assets | 1.0207% | 2,289 |
| Return on assets (ROA) | 1.0237% | 2,383 |
| Pretax return on assets | 1.6675% | 1,148 |
| Return on Equity (ROE) | 12.7671% | 1,167 |
| Retained earnings to average equity (ytd only) | 12.7671% | 327 |
| Net charge-offs to loans | -0.0125% | 4,996 |
| Credit loss provision to net charge-offs | -519.8758% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3050% | 4,467 |
| Assets per employee ($millions) | 7.0237% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 5,763 |
| Loan loss allowance to noncurrent loans | 162.8656% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 4,146 |
| Noncurrent loans to loans | 0.4430% | 4,153 |
| Net loans and leases to total assets | 80.6853% | 713 |
| Net loans and leases to deposits | 91.8116% | 1,394 |
| Net loans and leases to core deposits | 107.3526% | 1,000 |
| Total domestic deposits to total assets | 87.8814% | 1,707 |
| Equity capital to assets | 8.8221% | 5,410 |
| Core capital (leverage) ratio | 8.8713% | 5,127 |
| Tier 1 risk-based capital ratio | 9.4446% | 6,210 |
| Total risk-based capital ratio | 11.5781% | 5,928 |
| Memoranda: | ||
| Average total assets | $3,173,323,330 | 273 |
| Average earning assets | $2,927,346,000 | 266 |
| Average equity | $254,451,330 | 351 |
| Average total loans | $2,568,939,670 | 243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,070 |
| Cost of funding earning assets | 0.3548% | 3,805 |
| Net interest margin | 3.1027% | 4,940 |
| Noninterest income to average assets | 1.9307% | 376 |
| Noninterest expense to average assets | 3.0285% | 2,489 |
| Loan and lease loss provision to assets | 0.1617% | 1,248 |
| Net operating income to assets | 0.9743% | 2,369 |
| Return on assets (ROA) | 0.9801% | 2,473 |
| Pretax return on assets | 1.5922% | 1,288 |
| Return on Equity (ROE) | 12.8984% | 1,119 |
| Retained earnings to average equity (ytd only) | 12.8984% | 459 |
| Net charge-offs to loans | 0.0033% | 3,206 |
| Credit loss provision to net charge-offs | 6,019.0476% | 62 |
| Earnings coverage of net charge-offs (x) | 649.5238% | 78 |
| Efficiency ratio | 63.1274% | 4,607 |
| Assets per employee ($millions) | 7.0256% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,796 |
| Loan loss allowance to noncurrent loans | 195.3896% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 4,418 |
| Noncurrent loans to loans | 0.3876% | 4,431 |
| Net loans and leases to total assets | 79.9232% | 696 |
| Net loans and leases to deposits | 90.7784% | 1,317 |
| Net loans and leases to core deposits | 105.6165% | 963 |
| Total domestic deposits to total assets | 88.0421% | 1,796 |
| Equity capital to assets | 7.6065% | 6,149 |
| Core capital (leverage) ratio | 7.4974% | 6,139 |
| Tier 1 risk-based capital ratio | 8.0121% | 6,352 |
| Total risk-based capital ratio | 11.3569% | 6,088 |
| Memoranda: | ||
| Average total assets | $3,126,976,500 | 275 |
| Average earning assets | $2,864,848,000 | 273 |
| Average equity | $237,611,000 | 368 |
| Average total loans | $2,526,234,500 | 242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 5,083 |
| Cost of funding earning assets | 0.3589% | 4,153 |
| Net interest margin | 3.2385% | 4,800 |
| Noninterest income to average assets | 2.0803% | 318 |
| Noninterest expense to average assets | 3.2227% | 2,153 |
| Loan and lease loss provision to assets | 0.1121% | 2,300 |
| Net operating income to assets | 1.0485% | 2,170 |
| Return on assets (ROA) | 1.0433% | 2,270 |
| Pretax return on assets | 1.7106% | 966 |
| Return on Equity (ROE) | 13.9691% | 937 |
| Retained earnings to average equity (ytd only) | 13.9691% | 177 |
| Net charge-offs to loans | 0.0549% | 3,733 |
| Credit loss provision to net charge-offs | 254.2810% | 1,000 |
| Earnings coverage of net charge-offs (x) | 41.5420% | 1,049 |
| Efficiency ratio | 63.5151% | 4,670 |
| Assets per employee ($millions) | 6.9804% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 5,923 |
| Loan loss allowance to noncurrent loans | 190.8156% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 4,382 |
| Noncurrent loans to loans | 0.3827% | 4,494 |
| Net loans and leases to total assets | 80.4611% | 677 |
| Net loans and leases to deposits | 92.0491% | 1,285 |
| Net loans and leases to core deposits | 105.6658% | 1,034 |
| Total domestic deposits to total assets | 87.4110% | 2,077 |
| Equity capital to assets | 7.5907% | 6,209 |
| Core capital (leverage) ratio | 7.4319% | 6,227 |
| Tier 1 risk-based capital ratio | 7.9788% | 6,444 |
| Total risk-based capital ratio | 11.1790% | 6,234 |
| Memoranda: | ||
| Average total assets | $2,729,615,400 | 283 |
| Average earning assets | $2,506,023,400 | 279 |
| Average equity | $203,857,200 | 397 |
| Average total loans | $2,192,203,200 | 252 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 5,276 |
| Cost of funding earning assets | 0.3541% | 4,300 |
| Net interest margin | 3.1947% | 4,986 |
| Noninterest income to average assets | 2.1245% | 309 |
| Noninterest expense to average assets | 3.1986% | 2,182 |
| Loan and lease loss provision to assets | 0.0364% | 3,678 |
| Net operating income to assets | 1.1122% | 1,979 |
| Return on assets (ROA) | 1.1048% | 2,069 |
| Pretax return on assets | 1.8118% | 872 |
| Return on Equity (ROE) | 14.8637% | 851 |
| Retained earnings to average equity (ytd only) | 14.8637% | 212 |
| Net charge-offs to loans | 0.0414% | 3,671 |
| Credit loss provision to net charge-offs | 109.5745% | 2,047 |
| Earnings coverage of net charge-offs (x) | 56.0548% | 907 |
| Efficiency ratio | 63.0020% | 4,724 |
| Assets per employee ($millions) | 6.8495% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 6,105 |
| Loan loss allowance to noncurrent loans | 150.1373% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 4,379 |
| Noncurrent loans to loans | 0.4651% | 4,512 |
| Net loans and leases to total assets | 79.7435% | 745 |
| Net loans and leases to deposits | 91.6356% | 1,264 |
| Net loans and leases to core deposits | 105.6416% | 974 |
| Total domestic deposits to total assets | 87.0224% | 2,307 |
| Equity capital to assets | 7.4719% | 6,312 |
| Core capital (leverage) ratio | 7.0415% | 6,375 |
| Tier 1 risk-based capital ratio | 8.0103% | 6,508 |
| Total risk-based capital ratio | 11.7311% | 6,160 |
| Memoranda: | ||
| Average total assets | $2,644,180,000 | 286 |
| Average earning assets | $2,428,374,750 | 285 |
| Average equity | $196,537,000 | 407 |
| Average total loans | $2,117,897,250 | 257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 5,444 |
| Cost of funding earning assets | 0.3423% | 4,514 |
| Net interest margin | 3.1411% | 5,119 |
| Noninterest income to average assets | 2.2160% | 295 |
| Noninterest expense to average assets | 3.2365% | 2,080 |
| Loan and lease loss provision to assets | -0.0321% | 6,267 |
| Net operating income to assets | 1.1529% | 1,749 |
| Return on assets (ROA) | 1.1476% | 1,846 |
| Pretax return on assets | 1.8830% | 714 |
| Return on Equity (ROE) | 15.4711% | 716 |
| Retained earnings to average equity (ytd only) | 15.4711% | 192 |
| Net charge-offs to loans | 0.0299% | 3,596 |
| Credit loss provision to net charge-offs | -134.4262% | 5,314 |
| Earnings coverage of net charge-offs (x) | 77.7377% | 681 |
| Efficiency ratio | 63.3521% | 4,792 |
| Assets per employee ($millions) | 6.7415% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 6,218 |
| Loan loss allowance to noncurrent loans | 122.7194% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 4,348 |
| Noncurrent loans to loans | 0.5471% | 4,371 |
| Net loans and leases to total assets | 80.5290% | 626 |
| Net loans and leases to deposits | 92.4475% | 1,104 |
| Net loans and leases to core deposits | 107.8656% | 775 |
| Total domestic deposits to total assets | 87.1079% | 2,398 |
| Equity capital to assets | 7.1702% | 6,418 |
| Core capital (leverage) ratio | 7.5923% | 6,280 |
| Tier 1 risk-based capital ratio | 7.5820% | 6,578 |
| Total risk-based capital ratio | 11.5023% | 6,278 |
| Memoranda: | ||
| Average total assets | $2,550,654,670 | 294 |
| Average earning assets | $2,338,336,330 | 291 |
| Average equity | $189,204,330 | 418 |
| Average total loans | $2,040,961,670 | 261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 5,317 |
| Cost of funding earning assets | 0.3495% | 4,547 |
| Net interest margin | 3.1949% | 4,936 |
| Noninterest income to average assets | 2.2719% | 269 |
| Noninterest expense to average assets | 3.3665% | 1,791 |
| Loan and lease loss provision to assets | -0.0067% | 6,386 |
| Net operating income to assets | 1.1276% | 1,708 |
| Return on assets (ROA) | 1.1277% | 1,772 |
| Pretax return on assets | 1.8437% | 741 |
| Return on Equity (ROE) | 14.9033% | 789 |
| Retained earnings to average equity (ytd only) | 14.9033% | 325 |
| Net charge-offs to loans | 0.1004% | 2,165 |
| Credit loss provision to net charge-offs | -8.4034% | 4,662 |
| Earnings coverage of net charge-offs (x) | 23.0567% | 1,226 |
| Efficiency ratio | 64.5513% | 4,770 |
| Assets per employee ($millions) | 6.9816% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 6,096 |
| Loan loss allowance to noncurrent loans | 105.8481% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 4,083 |
| Noncurrent loans to loans | 0.7593% | 3,967 |
| Net loans and leases to total assets | 77.9819% | 772 |
| Net loans and leases to deposits | 89.6555% | 1,192 |
| Net loans and leases to core deposits | 112.7274% | 501 |
| Total domestic deposits to total assets | 86.9795% | 2,824 |
| Equity capital to assets | 7.5611% | 6,294 |
| Core capital (leverage) ratio | 7.4791% | 6,346 |
| Tier 1 risk-based capital ratio | 7.8251% | 6,631 |
| Total risk-based capital ratio | 11.1821% | 6,469 |
| Memoranda: | ||
| Average total assets | $2,390,040,000 | 312 |
| Average earning assets | $2,192,858,500 | 306 |
| Average equity | $180,846,000 | 433 |
| Average total loans | $1,897,276,500 | 267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 5,383 |
| Cost of funding earning assets | 0.3961% | 4,691 |
| Net interest margin | 3.2119% | 4,969 |
| Noninterest income to average assets | 2.5566% | 272 |
| Noninterest expense to average assets | 3.5273% | 1,598 |
| Loan and lease loss provision to assets | 0.2701% | 1,306 |
| Net operating income to assets | 1.0573% | 2,082 |
| Return on assets (ROA) | 1.0574% | 2,168 |
| Pretax return on assets | 1.7260% | 900 |
| Return on Equity (ROE) | 13.7015% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.7015% | 210 |
| Net charge-offs to loans | 0.4033% | 1,673 |
| Credit loss provision to net charge-offs | 83.5543% | 2,938 |
| Earnings coverage of net charge-offs (x) | 6.1739% | 3,114 |
| Efficiency ratio | 63.8057% | 4,932 |
| Assets per employee ($millions) | 6.3839% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,053 |
| Loan loss allowance to noncurrent loans | 120.2319% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 4,214 |
| Noncurrent loans to loans | 0.7089% | 4,197 |
| Net loans and leases to total assets | 79.5034% | 648 |
| Net loans and leases to deposits | 92.8022% | 978 |
| Net loans and leases to core deposits | 114.3246% | 463 |
| Total domestic deposits to total assets | 85.6697% | 3,418 |
| Equity capital to assets | 7.5725% | 6,247 |
| Core capital (leverage) ratio | 7.1713% | 6,483 |
| Tier 1 risk-based capital ratio | 7.6835% | 6,702 |
| Total risk-based capital ratio | 10.9639% | 6,550 |
| Memoranda: | ||
| Average total assets | $2,123,376,400 | 337 |
| Average earning assets | $1,961,270,000 | 329 |
| Average equity | $163,865,400 | 458 |
| Average total loans | $1,702,011,600 | 284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 5,619 |
| Cost of funding earning assets | 0.4086% | 4,750 |
| Net interest margin | 3.1192% | 5,268 |
| Noninterest income to average assets | 2.6263% | 275 |
| Noninterest expense to average assets | 3.5342% | 1,538 |
| Loan and lease loss provision to assets | 0.4239% | 688 |
| Net operating income to assets | 0.9559% | 2,555 |
| Return on assets (ROA) | 0.9560% | 2,661 |
| Pretax return on assets | 1.5596% | 1,444 |
| Return on Equity (ROE) | 12.3227% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.3227% | 387 |
| Net charge-offs to loans | 0.4219% | 1,517 |
| Credit loss provision to net charge-offs | 125.3714% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.8657% | 3,087 |
| Efficiency ratio | 64.0527% | 4,789 |
| Assets per employee ($millions) | 6.2221% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,507 |
| Loan loss allowance to noncurrent loans | 142.1231% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,509 |
| Noncurrent loans to loans | 0.7419% | 4,366 |
| Net loans and leases to total assets | 78.9326% | 657 |
| Net loans and leases to deposits | 90.2396% | 1,137 |
| Net loans and leases to core deposits | 113.7988% | 453 |
| Total domestic deposits to total assets | 87.4700% | 2,433 |
| Equity capital to assets | 7.6259% | 6,340 |
| Core capital (leverage) ratio | 7.7111% | 6,373 |
| Tier 1 risk-based capital ratio | 8.1714% | 6,759 |
| Total risk-based capital ratio | 10.7846% | 6,656 |
| Memoranda: | ||
| Average total assets | $2,070,093,000 | 344 |
| Average earning assets | $1,918,864,250 | 334 |
| Average equity | $160,598,750 | 474 |
| Average total loans | $1,659,121,500 | 288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 5,606 |
| Cost of funding earning assets | 0.4328% | 4,629 |
| Net interest margin | 3.1076% | 5,250 |
| Noninterest income to average assets | 2.7067% | 289 |
| Noninterest expense to average assets | 3.6120% | 1,391 |
| Loan and lease loss provision to assets | 0.2775% | 1,325 |
| Net operating income to assets | 1.0469% | 2,127 |
| Return on assets (ROA) | 1.0469% | 2,249 |
| Pretax return on assets | 1.6998% | 1,116 |
| Return on Equity (ROE) | 13.4117% | 1,137 |
| Retained earnings to average equity (ytd only) | 13.4117% | 342 |
| Net charge-offs to loans | 0.4012% | 1,609 |
| Credit loss provision to net charge-offs | 86.1731% | 2,514 |
| Earnings coverage of net charge-offs (x) | 6.1398% | 2,768 |
| Efficiency ratio | 64.6226% | 4,772 |
| Assets per employee ($millions) | 5.8452% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 5,863 |
| Loan loss allowance to noncurrent loans | 213.7772% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 5,174 |
| Noncurrent loans to loans | 0.4631% | 5,104 |
| Net loans and leases to total assets | 81.8553% | 367 |
| Net loans and leases to deposits | 95.2055% | 722 |
| Net loans and leases to core deposits | 117.9477% | 351 |
| Total domestic deposits to total assets | 85.9774% | 3,383 |
| Equity capital to assets | 7.9733% | 6,217 |
| Core capital (leverage) ratio | 7.8057% | 6,306 |
| Tier 1 risk-based capital ratio | 8.0821% | 6,800 |
| Total risk-based capital ratio | 10.9085% | 6,681 |
| Memoranda: | ||
| Average total assets | $2,030,066,330 | 351 |
| Average earning assets | $1,883,095,000 | 339 |
| Average equity | $158,458,330 | 475 |
| Average total loans | $1,629,767,670 | 290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 5,760 |
| Cost of funding earning assets | 0.4523% | 4,571 |
| Net interest margin | 3.0265% | 5,501 |
| Noninterest income to average assets | 2.6835% | 288 |
| Noninterest expense to average assets | 3.5846% | 1,449 |
| Loan and lease loss provision to assets | 0.5390% | 496 |
| Net operating income to assets | 0.8450% | 2,926 |
| Return on assets (ROA) | 0.8450% | 3,068 |
| Pretax return on assets | 1.3633% | 1,998 |
| Return on Equity (ROE) | 10.9439% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.9439% | 890 |
| Net charge-offs to loans | 0.4866% | 1,229 |
| Credit loss provision to net charge-offs | 140.0924% | 1,432 |
| Earnings coverage of net charge-offs (x) | 4.9440% | 2,443 |
| Efficiency ratio | 65.3299% | 4,774 |
| Assets per employee ($millions) | 5.9787% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,501 |
| Loan loss allowance to noncurrent loans | 166.6821% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 4,924 |
| Noncurrent loans to loans | 0.6757% | 4,772 |
| Net loans and leases to total assets | 79.4306% | 477 |
| Net loans and leases to deposits | 92.4132% | 771 |
| Net loans and leases to core deposits | 104.3256% | 704 |
| Total domestic deposits to total assets | 85.9515% | 3,551 |
| Equity capital to assets | 7.9590% | 6,399 |
| Core capital (leverage) ratio | 7.3723% | 6,516 |
| Tier 1 risk-based capital ratio | 8.4228% | 6,843 |
| Total risk-based capital ratio | 11.4032% | 6,650 |
| Memoranda: | ||
| Average total assets | $2,025,113,000 | 358 |
| Average earning assets | $1,875,837,500 | 343 |
| Average equity | $156,360,500 | 486 |
| Average total loans | $1,601,391,000 | 298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 5,805 |
| Cost of funding earning assets | 0.5970% | 4,388 |
| Net interest margin | 3.2102% | 5,544 |
| Noninterest income to average assets | 2.5330% | 314 |
| Noninterest expense to average assets | 3.5724% | 1,674 |
| Loan and lease loss provision to assets | 0.4407% | 1,437 |
| Net operating income to assets | 0.9035% | 2,798 |
| Return on assets (ROA) | 0.9214% | 2,943 |
| Pretax return on assets | 1.5102% | 1,646 |
| Return on Equity (ROE) | 12.3058% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.3058% | 298 |
| Net charge-offs to loans | 0.3330% | 2,973 |
| Credit loss provision to net charge-offs | 167.7509% | 1,582 |
| Earnings coverage of net charge-offs (x) | 7.3205% | 2,633 |
| Efficiency ratio | 65.0072% | 4,701 |
| Assets per employee ($millions) | 6.1107% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,648 |
| Loan loss allowance to noncurrent loans | 118.3214% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 4,594 |
| Noncurrent loans to loans | 0.9096% | 4,361 |
| Net loans and leases to total assets | 77.0217% | 786 |
| Net loans and leases to deposits | 89.1517% | 1,149 |
| Net loans and leases to core deposits | 120.5767% | 275 |
| Total domestic deposits to total assets | 86.3939% | 3,159 |
| Equity capital to assets | 7.4911% | 6,639 |
| Core capital (leverage) ratio | 7.1632% | 6,650 |
| Tier 1 risk-based capital ratio | 8.2605% | 6,901 |
| Total risk-based capital ratio | 11.5159% | 6,595 |
| Memoranda: | ||
| Average total assets | $1,907,605,600 | 372 |
| Average earning assets | $1,760,330,400 | 357 |
| Average equity | $142,826,800 | 510 |
| Average total loans | $1,504,759,200 | 308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 5,888 |
| Cost of funding earning assets | 0.6196% | 4,454 |
| Net interest margin | 3.2402% | 5,582 |
| Noninterest income to average assets | 2.5136% | 311 |
| Noninterest expense to average assets | 3.6343% | 1,489 |
| Loan and lease loss provision to assets | 0.5731% | 1,001 |
| Net operating income to assets | 0.7946% | 3,476 |
| Return on assets (ROA) | 0.7977% | 3,706 |
| Pretax return on assets | 1.3007% | 2,608 |
| Return on Equity (ROE) | 10.6556% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.6556% | 749 |
| Net charge-offs to loans | 0.3694% | 2,620 |
| Credit loss provision to net charge-offs | 195.9766% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.3909% | 2,802 |
| Efficiency ratio | 66.0382% | 4,448 |
| Assets per employee ($millions) | 6.1709% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,600 |
| Loan loss allowance to noncurrent loans | 130.1243% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 4,887 |
| Noncurrent loans to loans | 0.8673% | 4,685 |
| Net loans and leases to total assets | 76.8119% | 867 |
| Net loans and leases to deposits | 89.7976% | 1,171 |
| Net loans and leases to core deposits | 126.1749% | 228 |
| Total domestic deposits to total assets | 85.5389% | 3,487 |
| Equity capital to assets | 7.2889% | 6,820 |
| Core capital (leverage) ratio | 7.0856% | 6,780 |
| Tier 1 risk-based capital ratio | 7.7661% | 7,007 |
| Total risk-based capital ratio | 11.0025% | 6,846 |
| Memoranda: | ||
| Average total assets | $1,869,679,250 | 376 |
| Average earning assets | $1,725,139,250 | 363 |
| Average equity | $139,967,250 | 517 |
| Average total loans | $1,480,106,000 | 313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 5,753 |
| Cost of funding earning assets | 0.6394% | 4,535 |
| Net interest margin | 3.3221% | 5,382 |
| Noninterest income to average assets | 2.5253% | 294 |
| Noninterest expense to average assets | 3.7022% | 1,367 |
| Loan and lease loss provision to assets | 0.5420% | 1,142 |
| Net operating income to assets | 0.8221% | 3,290 |
| Return on assets (ROA) | 0.8251% | 3,536 |
| Pretax return on assets | 1.3492% | 2,391 |
| Return on Equity (ROE) | 10.9151% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.9151% | 761 |
| Net charge-offs to loans | 0.3506% | 2,615 |
| Credit loss provision to net charge-offs | 193.9322% | 1,459 |
| Earnings coverage of net charge-offs (x) | 6.7498% | 2,583 |
| Efficiency ratio | 66.2443% | 4,494 |
| Assets per employee ($millions) | 5.7487% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,847 |
| Loan loss allowance to noncurrent loans | 65.9695% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 3,731 |
| Noncurrent loans to loans | 1.6443% | 3,442 |
| Net loans and leases to total assets | 78.3234% | 687 |
| Net loans and leases to deposits | 92.1304% | 938 |
| Net loans and leases to core deposits | 135.0885% | 173 |
| Total domestic deposits to total assets | 85.0136% | 3,851 |
| Equity capital to assets | 7.4670% | 6,804 |
| Core capital (leverage) ratio | 7.1497% | 6,766 |
| Tier 1 risk-based capital ratio | 7.9923% | 7,040 |
| Total risk-based capital ratio | 11.2803% | 6,798 |
| Memoranda: | ||
| Average total assets | $1,816,165,330 | 385 |
| Average earning assets | $1,674,736,000 | 373 |
| Average equity | $137,296,000 | 521 |
| Average total loans | $1,447,723,670 | 317 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 5,596 |
| Cost of funding earning assets | 0.6707% | 4,532 |
| Net interest margin | 3.3826% | 5,187 |
| Noninterest income to average assets | 2.6142% | 286 |
| Noninterest expense to average assets | 3.8905% | 1,078 |
| Loan and lease loss provision to assets | 0.2854% | 2,181 |
| Net operating income to assets | 0.9628% | 2,626 |
| Return on assets (ROA) | 0.9626% | 2,828 |
| Pretax return on assets | 1.5489% | 1,744 |
| Return on Equity (ROE) | 12.6504% | 1,496 |
| Retained earnings to average equity (ytd only) | 12.6504% | 733 |
| Net charge-offs to loans | 0.1335% | 3,306 |
| Credit loss provision to net charge-offs | 267.1579% | 1,087 |
| Earnings coverage of net charge-offs (x) | 17.1747% | 1,316 |
| Efficiency ratio | 67.9538% | 4,183 |
| Assets per employee ($millions) | 5.7033% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,199 |
| Loan loss allowance to noncurrent loans | 152.9639% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 5,441 |
| Noncurrent loans to loans | 0.6609% | 5,323 |
| Net loans and leases to total assets | 78.8875% | 499 |
| Net loans and leases to deposits | 94.0971% | 653 |
| Net loans and leases to core deposits | 121.2275% | 293 |
| Total domestic deposits to total assets | 83.8363% | 4,571 |
| Equity capital to assets | 7.5526% | 6,757 |
| Core capital (leverage) ratio | 7.3682% | 6,704 |
| Tier 1 risk-based capital ratio | 7.9460% | 7,093 |
| Total risk-based capital ratio | 11.2035% | 6,890 |
| Memoranda: | ||
| Average total assets | $1,778,588,000 | 388 |
| Average earning assets | $1,635,806,500 | 377 |
| Average equity | $135,331,500 | 529 |
| Average total loans | $1,422,789,500 | 317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 6,363 |
| Cost of funding earning assets | 0.9417% | 3,776 |
| Net interest margin | 3.1092% | 6,325 |
| Noninterest income to average assets | 2.6876% | 242 |
| Noninterest expense to average assets | 3.9980% | 1,042 |
| Loan and lease loss provision to assets | 0.5880% | 1,758 |
| Net operating income to assets | 0.5737% | 4,124 |
| Return on assets (ROA) | 0.5794% | 4,286 |
| Pretax return on assets | 0.9468% | 3,441 |
| Return on Equity (ROE) | 7.2815% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.2815% | 1,370 |
| Net charge-offs to loans | 0.4907% | 3,031 |
| Credit loss provision to net charge-offs | 158.4473% | 1,752 |
| Earnings coverage of net charge-offs (x) | 4.1116% | 3,260 |
| Efficiency ratio | 72.3776% | 3,505 |
| Assets per employee ($millions) | 5.4478% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,260 |
| Loan loss allowance to noncurrent loans | 133.3462% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 5,318 |
| Noncurrent loans to loans | 0.7441% | 5,213 |
| Net loans and leases to total assets | 79.5151% | 544 |
| Net loans and leases to deposits | 95.4621% | 709 |
| Net loans and leases to core deposits | 112.7195% | 545 |
| Total domestic deposits to total assets | 83.2950% | 4,625 |
| Equity capital to assets | 7.6679% | 6,739 |
| Core capital (leverage) ratio | 7.2728% | 6,755 |
| Tier 1 risk-based capital ratio | 7.8754% | 7,115 |
| Total risk-based capital ratio | 11.1688% | 6,865 |
| Memoranda: | ||
| Average total assets | $1,596,579,800 | 415 |
| Average earning assets | $1,456,469,800 | 408 |
| Average equity | $127,048,600 | 545 |
| Average total loans | $1,207,512,600 | 358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 6,451 |
| Cost of funding earning assets | 0.9988% | 3,684 |
| Net interest margin | 3.0825% | 6,424 |
| Noninterest income to average assets | 2.7315% | 243 |
| Noninterest expense to average assets | 4.0492% | 949 |
| Loan and lease loss provision to assets | 0.9171% | 969 |
| Net operating income to assets | 0.3578% | 5,173 |
| Return on assets (ROA) | 0.3653% | 5,328 |
| Pretax return on assets | 0.5895% | 4,849 |
| Return on Equity (ROE) | 4.5450% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.5450% | 3,485 |
| Net charge-offs to loans | 0.4688% | 2,860 |
| Credit loss provision to net charge-offs | 263.2108% | 1,082 |
| Earnings coverage of net charge-offs (x) | 4.2902% | 3,118 |
| Efficiency ratio | 73.0372% | 3,354 |
| Assets per employee ($millions) | 5.2944% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,618 |
| Loan loss allowance to noncurrent loans | 129.2411% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 4,987 |
| Noncurrent loans to loans | 1.0739% | 4,766 |
| Net loans and leases to total assets | 71.5690% | 1,803 |
| Net loans and leases to deposits | 85.5064% | 1,753 |
| Net loans and leases to core deposits | 108.6878% | 738 |
| Total domestic deposits to total assets | 83.7001% | 4,377 |
| Equity capital to assets | 7.5795% | 6,906 |
| Core capital (leverage) ratio | 7.1942% | 6,901 |
| Tier 1 risk-based capital ratio | 8.3535% | 7,166 |
| Total risk-based capital ratio | 11.5210% | 6,851 |
| Memoranda: | ||
| Average total assets | $1,561,265,250 | 426 |
| Average earning assets | $1,424,542,750 | 418 |
| Average equity | $125,496,750 | 557 |
| Average total loans | $1,160,467,750 | 369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 6,431 |
| Cost of funding earning assets | 1.0271% | 3,761 |
| Net interest margin | 3.0983% | 6,414 |
| Noninterest income to average assets | 2.7505% | 240 |
| Noninterest expense to average assets | 4.1819% | 848 |
| Loan and lease loss provision to assets | 1.0301% | 835 |
| Net operating income to assets | 0.2463% | 5,576 |
| Return on assets (ROA) | 0.2574% | 5,652 |
| Pretax return on assets | 0.3874% | 5,429 |
| Return on Equity (ROE) | 3.1351% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.1351% | 4,280 |
| Net charge-offs to loans | 0.6087% | 2,304 |
| Credit loss provision to net charge-offs | 225.6788% | 1,327 |
| Earnings coverage of net charge-offs (x) | 3.0687% | 3,321 |
| Efficiency ratio | 74.9097% | 3,200 |
| Assets per employee ($millions) | 3.4673% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,353 |
| Loan loss allowance to noncurrent loans | 200.3122% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,766 |
| Noncurrent loans to loans | 0.6202% | 5,685 |
| Net loans and leases to total assets | 73.3940% | 1,519 |
| Net loans and leases to deposits | 88.3870% | 1,445 |
| Net loans and leases to core deposits | 114.2466% | 568 |
| Total domestic deposits to total assets | 83.0371% | 4,738 |
| Equity capital to assets | 7.8815% | 6,752 |
| Core capital (leverage) ratio | 7.9130% | 6,396 |
| Tier 1 risk-based capital ratio | 8.6257% | 7,208 |
| Total risk-based capital ratio | 11.7950% | 6,768 |
| Memoranda: | ||
| Average total assets | $1,516,952,000 | 447 |
| Average earning assets | $1,386,651,670 | 442 |
| Average equity | $124,524,670 | 563 |
| Average total loans | $1,137,427,000 | 386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 6,286 |
| Cost of funding earning assets | 1.0778% | 3,670 |
| Net interest margin | 3.1179% | 6,297 |
| Noninterest income to average assets | 2.7530% | 245 |
| Noninterest expense to average assets | 4.3739% | 671 |
| Loan and lease loss provision to assets | 0.7942% | 1,068 |
| Net operating income to assets | 0.3008% | 5,394 |
| Return on assets (ROA) | 0.3008% | 5,463 |
| Pretax return on assets | 0.4406% | 5,219 |
| Return on Equity (ROE) | 3.5865% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.5865% | 4,032 |
| Net charge-offs to loans | 0.3481% | 2,671 |
| Credit loss provision to net charge-offs | 302.7893% | 1,058 |
| Earnings coverage of net charge-offs (x) | 4.7076% | 2,410 |
| Efficiency ratio | 77.9844% | 2,846 |
| Assets per employee ($millions) | 3.2787% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 6,011 |
| Loan loss allowance to noncurrent loans | 155.9183% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 5,238 |
| Noncurrent loans to loans | 0.7114% | 5,588 |
| Net loans and leases to total assets | 75.2394% | 1,141 |
| Net loans and leases to deposits | 92.2896% | 992 |
| Net loans and leases to core deposits | 112.3774% | 648 |
| Total domestic deposits to total assets | 81.5253% | 5,485 |
| Equity capital to assets | 8.4927% | 5,918 |
| Core capital (leverage) ratio | 7.8582% | 6,410 |
| Tier 1 risk-based capital ratio | 9.0401% | 7,217 |
| Total risk-based capital ratio | 12.2018% | 6,518 |
| Memoranda: | ||
| Average total assets | $1,476,210,500 | 463 |
| Average earning assets | $1,352,072,500 | 458 |
| Average equity | $123,797,000 | 561 |
| Average total loans | $1,112,184,500 | 392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 6,312 |
| Cost of funding earning assets | 1.4632% | 2,875 |
| Net interest margin | 3.0676% | 6,603 |
| Noninterest income to average assets | 2.6677% | 269 |
| Noninterest expense to average assets | 4.4060% | 719 |
| Loan and lease loss provision to assets | 0.7942% | 2,054 |
| Net operating income to assets | 0.1722% | 5,370 |
| Return on assets (ROA) | 0.2150% | 5,388 |
| Pretax return on assets | 0.3264% | 5,159 |
| Return on Equity (ROE) | 2.7966% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.7966% | 3,897 |
| Net charge-offs to loans | 1.2884% | 1,732 |
| Credit loss provision to net charge-offs | 85.3961% | 5,323 |
| Earnings coverage of net charge-offs (x) | 1.1352% | 4,972 |
| Efficiency ratio | 80.6709% | 2,321 |
| Assets per employee ($millions) | 4.8748% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,616 |
| Loan loss allowance to noncurrent loans | 257.1923% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,798 |
| Noncurrent loans to loans | 0.3647% | 6,329 |
| Net loans and leases to total assets | 73.9083% | 1,678 |
| Net loans and leases to deposits | 91.3866% | 1,338 |
| Net loans and leases to core deposits | 114.5370% | 695 |
| Total domestic deposits to total assets | 80.8744% | 5,563 |
| Equity capital to assets | 8.2811% | 6,169 |
| Core capital (leverage) ratio | 7.8456% | 6,383 |
| Tier 1 risk-based capital ratio | 9.0596% | 7,234 |
| Total risk-based capital ratio | 13.0571% | 5,641 |
| Memoranda: | ||
| Average total assets | $1,404,867,600 | 479 |
| Average earning assets | $1,279,562,800 | 476 |
| Average equity | $108,024,200 | 625 |
| Average total loans | $1,014,073,800 | 441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 6,842 |
| Cost of funding earning assets | 1.5411% | 2,720 |
| Net interest margin | 2.8431% | 7,092 |
| Noninterest income to average assets | 2.4910% | 282 |
| Noninterest expense to average assets | 4.3631% | 694 |
| Loan and lease loss provision to assets | 0.9201% | 1,640 |
| Net operating income to assets | -0.1180% | 6,203 |
| Return on assets (ROA) | -0.0623% | 6,233 |
| Pretax return on assets | -0.1187% | 6,241 |
| Return on Equity (ROE) | -0.8275% | 6,265 |
| Retained earnings to average equity (ytd only) | -0.8275% | 5,985 |
| Net charge-offs to loans | 1.5233% | 1,319 |
| Credit loss provision to net charge-offs | 84.4441% | 4,983 |
| Earnings coverage of net charge-offs (x) | 0.6556% | 5,387 |
| Efficiency ratio | 85.9294% | 1,640 |
| Assets per employee ($millions) | 4.9418% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,385 |
| Loan loss allowance to noncurrent loans | 95.2097% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 4,763 |
| Noncurrent loans to loans | 1.0527% | 5,139 |
| Net loans and leases to total assets | 71.7527% | 2,305 |
| Net loans and leases to deposits | 87.6562% | 2,052 |
| Net loans and leases to core deposits | 112.8148% | 891 |
| Total domestic deposits to total assets | 81.8570% | 5,052 |
| Equity capital to assets | 7.6013% | 7,061 |
| Core capital (leverage) ratio | 7.0753% | 7,126 |
| Tier 1 risk-based capital ratio | 8.4137% | 7,441 |
| Total risk-based capital ratio | 12.0609% | 6,520 |
| Memoranda: | ||
| Average total assets | $1,384,378,500 | 480 |
| Average earning assets | $1,259,425,500 | 480 |
| Average equity | $104,249,000 | 637 |
| Average total loans | $990,269,000 | 453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 6,702 |
| Cost of funding earning assets | 1.6020% | 2,642 |
| Net interest margin | 2.9039% | 7,006 |
| Noninterest income to average assets | 2.4512% | 278 |
| Noninterest expense to average assets | 4.2600% | 756 |
| Loan and lease loss provision to assets | 1.1876% | 1,180 |
| Net operating income to assets | -0.2063% | 6,365 |
| Return on assets (ROA) | -0.2056% | 6,409 |
| Pretax return on assets | -0.3559% | 6,476 |
| Return on Equity (ROE) | -2.7401% | 6,495 |
| Retained earnings to average equity (ytd only) | -2.7401% | 6,261 |
| Net charge-offs to loans | 1.6956% | 1,103 |
| Credit loss provision to net charge-offs | 98.3816% | 4,168 |
| Earnings coverage of net charge-offs (x) | 0.6881% | 5,057 |
| Efficiency ratio | 83.6825% | 1,959 |
| Assets per employee ($millions) | 5.0566% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 5,424 |
| Loan loss allowance to noncurrent loans | 64.6896% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8410% | 3,708 |
| Noncurrent loans to loans | 1.8641% | 3,914 |
| Net loans and leases to total assets | 70.4956% | 2,794 |
| Net loans and leases to deposits | 85.5228% | 2,594 |
| Net loans and leases to core deposits | 110.8065% | 1,115 |
| Total domestic deposits to total assets | 82.4289% | 4,810 |
| Equity capital to assets | 7.2587% | 7,244 |
| Core capital (leverage) ratio | 6.7944% | 7,283 |
| Tier 1 risk-based capital ratio | 8.2122% | 7,508 |
| Total risk-based capital ratio | 11.5077% | 6,851 |
| Memoranda: | ||
| Average total assets | $1,361,540,330 | 488 |
| Average earning assets | $1,237,558,330 | 482 |
| Average equity | $102,185,670 | 648 |
| Average total loans | $969,344,000 | 464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 6,929 |
| Cost of funding earning assets | 1.6918% | 2,429 |
| Net interest margin | 2.7437% | 7,250 |
| Noninterest income to average assets | 2.5789% | 245 |
| Noninterest expense to average assets | 4.4551% | 609 |
| Loan and lease loss provision to assets | 1.5042% | 774 |
| Net operating income to assets | -0.5283% | 6,847 |
| Return on assets (ROA) | -0.5270% | 6,874 |
| Pretax return on assets | -0.8888% | 6,997 |
| Return on Equity (ROE) | -6.9014% | 6,985 |
| Retained earnings to average equity (ytd only) | -6.9014% | 6,728 |
| Net charge-offs to loans | 2.4939% | 657 |
| Credit loss provision to net charge-offs | 84.8208% | 3,777 |
| Earnings coverage of net charge-offs (x) | 0.3458% | 4,728 |
| Efficiency ratio | 87.8992% | 1,596 |
| Assets per employee ($millions) | 4.9275% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,594 |
| Loan loss allowance to noncurrent loans | 57.8947% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0132% | 3,487 |
| Noncurrent loans to loans | 2.0408% | 3,728 |
| Net loans and leases to total assets | 71.5153% | 2,566 |
| Net loans and leases to deposits | 88.3694% | 2,167 |
| Net loans and leases to core deposits | 115.7865% | 955 |
| Total domestic deposits to total assets | 80.9277% | 5,483 |
| Equity capital to assets | 7.5927% | 6,998 |
| Core capital (leverage) ratio | 7.0784% | 7,198 |
| Tier 1 risk-based capital ratio | 8.4939% | 7,562 |
| Total risk-based capital ratio | 11.8494% | 6,533 |
| Memoranda: | ||
| Average total assets | $1,334,388,000 | 511 |
| Average earning assets | $1,210,781,000 | 516 |
| Average equity | $101,892,500 | 654 |
| Average total loans | $948,870,500 | 492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 7,212 |
| Cost of funding earning assets | 2.2990% | 1,665 |
| Net interest margin | 2.3518% | 7,542 |
| Noninterest income to average assets | 2.5220% | 271 |
| Noninterest expense to average assets | 4.0971% | 1,235 |
| Loan and lease loss provision to assets | 2.0489% | 1,042 |
| Net operating income to assets | -0.9201% | 6,523 |
| Return on assets (ROA) | -0.9140% | 6,522 |
| Pretax return on assets | -1.5141% | 6,713 |
| Return on Equity (ROE) | -12.5258% | 6,801 |
| Retained earnings to average equity (ytd only) | -12.5258% | 6,721 |
| Net charge-offs to loans | 2.4156% | 944 |
| Credit loss provision to net charge-offs | 123.6867% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.3171% | 5,801 |
| Efficiency ratio | 88.6362% | 1,827 |
| Assets per employee ($millions) | 5.1286% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,633 |
| Loan loss allowance to noncurrent loans | 43.2921% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.6914% | 2,604 |
| Noncurrent loans to loans | 3.0541% | 2,517 |
| Net loans and leases to total assets | 68.9224% | 3,509 |
| Net loans and leases to deposits | 84.9377% | 3,099 |
| Net loans and leases to core deposits | 110.6749% | 2,824 |
| Total domestic deposits to total assets | 81.1447% | 5,296 |
| Equity capital to assets | 7.6792% | 6,878 |
| Core capital (leverage) ratio | 7.1357% | 7,124 |
| Tier 1 risk-based capital ratio | 8.9851% | 7,473 |
| Total risk-based capital ratio | 12.5578% | 5,551 |
| Memoranda: | ||
| Average total assets | $1,205,458,400 | 556 |
| Average earning assets | $1,076,582,400 | 562 |
| Average equity | $87,962,200 | 730 |
| Average total loans | $826,662,000 | 563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 7,352 |
| Cost of funding earning assets | 2.3791% | 1,704 |
| Net interest margin | 2.2719% | 7,675 |
| Noninterest income to average assets | 2.5267% | 263 |
| Noninterest expense to average assets | 4.1130% | 1,124 |
| Loan and lease loss provision to assets | 2.2612% | 757 |
| Net operating income to assets | -1.1090% | 6,906 |
| Return on assets (ROA) | -1.1006% | 6,903 |
| Pretax return on assets | -1.8152% | 7,093 |
| Return on Equity (ROE) | -15.3114% | 7,206 |
| Retained earnings to average equity (ytd only) | -15.3114% | 7,155 |
| Net charge-offs to loans | 2.6820% | 675 |
| Credit loss provision to net charge-offs | 123.5933% | 4,081 |
| Earnings coverage of net charge-offs (x) | 0.2366% | 5,781 |
| Efficiency ratio | 90.4771% | 1,646 |
| Assets per employee ($millions) | 5.0432% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 4,510 |
| Loan loss allowance to noncurrent loans | 28.2214% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 3.3343% | 2,023 |
| Noncurrent loans to loans | 4.6034% | 1,503 |
| Net loans and leases to total assets | 66.1803% | 4,390 |
| Net loans and leases to deposits | 81.6343% | 4,086 |
| Net loans and leases to core deposits | 108.4244% | 3,419 |
| Total domestic deposits to total assets | 81.0693% | 5,057 |
| Equity capital to assets | 7.6639% | 7,177 |
| Core capital (leverage) ratio | 7.4055% | 7,074 |
| Tier 1 risk-based capital ratio | 9.0585% | 7,597 |
| Total risk-based capital ratio | 12.6735% | 5,446 |
| Memoranda: | ||
| Average total assets | $1,173,464,750 | 578 |
| Average earning assets | $1,042,928,000 | 589 |
| Average equity | $84,353,500 | 770 |
| Average total loans | $800,490,500 | 591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 7,551 |
| Cost of funding earning assets | 2.4592% | 1,749 |
| Net interest margin | 2.1303% | 7,792 |
| Noninterest income to average assets | 2.6002% | 252 |
| Noninterest expense to average assets | 4.1899% | 1,086 |
| Loan and lease loss provision to assets | 1.2680% | 1,349 |
| Net operating income to assets | -0.5918% | 6,650 |
| Return on assets (ROA) | -0.5788% | 6,642 |
| Pretax return on assets | -0.9629% | 6,789 |
| Return on Equity (ROE) | -8.2618% | 6,911 |
| Retained earnings to average equity (ytd only) | -8.2618% | 6,697 |
| Net charge-offs to loans | 1.1397% | 1,600 |
| Credit loss provision to net charge-offs | 162.0339% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.3638% | 5,318 |
| Efficiency ratio | 93.6369% | 1,526 |
| Assets per employee ($millions) | 4.8286% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 4,853 |
| Loan loss allowance to noncurrent loans | 34.6299% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 2.5166% | 2,558 |
| Noncurrent loans to loans | 3.5004% | 2,006 |
| Net loans and leases to total assets | 71.0233% | 3,458 |
| Net loans and leases to deposits | 87.4400% | 3,275 |
| Net loans and leases to core deposits | 115.0152% | 2,804 |
| Total domestic deposits to total assets | 81.2252% | 4,987 |
| Equity capital to assets | 6.5087% | 7,816 |
| Core capital (leverage) ratio | 6.0538% | 7,911 |
| Tier 1 risk-based capital ratio | 7.1088% | 7,999 |
| Total risk-based capital ratio | 10.5163% | 7,551 |
| Memoranda: | ||
| Average total assets | $1,130,908,330 | 608 |
| Average earning assets | $995,056,330 | 628 |
| Average equity | $79,232,000 | 836 |
| Average total loans | $776,511,000 | 630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 7,700 |
| Cost of funding earning assets | 2.5751% | 1,636 |
| Net interest margin | 1.9432% | 7,917 |
| Noninterest income to average assets | 2.5730% | 242 |
| Noninterest expense to average assets | 4.0393% | 1,138 |
| Loan and lease loss provision to assets | 1.1857% | 1,093 |
| Net operating income to assets | -0.6032% | 6,969 |
| Return on assets (ROA) | -0.6129% | 7,019 |
| Pretax return on assets | -0.9837% | 7,149 |
| Return on Equity (ROE) | -8.4283% | 7,263 |
| Retained earnings to average equity (ytd only) | -8.4283% | 6,953 |
| Net charge-offs to loans | 0.6599% | 1,863 |
| Credit loss provision to net charge-offs | 268.4426% | 1,769 |
| Earnings coverage of net charge-offs (x) | 0.4918% | 4,593 |
| Efficiency ratio | 94.8967% | 1,382 |
| Assets per employee ($millions) | 4.7697% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 4,737 |
| Loan loss allowance to noncurrent loans | 43.6222% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.0733% | 2,786 |
| Noncurrent loans to loans | 2.7735% | 2,366 |
| Net loans and leases to total assets | 68.6207% | 3,996 |
| Net loans and leases to deposits | 84.7418% | 3,862 |
| Net loans and leases to core deposits | 109.1357% | 3,550 |
| Total domestic deposits to total assets | 80.9763% | 4,981 |
| Equity capital to assets | 6.9266% | 7,711 |
| Core capital (leverage) ratio | 6.5270% | 7,867 |
| Tier 1 risk-based capital ratio | 7.5804% | 8,049 |
| Total risk-based capital ratio | 10.4274% | 7,676 |
| Memoranda: | ||
| Average total assets | $1,104,856,500 | 622 |
| Average earning assets | $957,162,500 | 657 |
| Average equity | $80,348,500 | 820 |
| Average total loans | $739,504,500 | 666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 7,552 |
| Cost of funding earning assets | 3.0813% | 1,568 |
| Net interest margin | 2.2581% | 7,930 |
| Noninterest income to average assets | 3.2769% | 179 |
| Noninterest expense to average assets | 4.4863% | 885 |
| Loan and lease loss provision to assets | 0.9099% | 1,638 |
| Net operating income to assets | -0.1146% | 6,516 |
| Return on assets (ROA) | -0.0979% | 6,347 |
| Pretax return on assets | -0.1487% | 6,323 |
| Return on Equity (ROE) | -1.1790% | 6,387 |
| Retained earnings to average equity (ytd only) | -8.6170% | 6,934 |
| Net charge-offs to loans | 0.8882% | 1,394 |
| Credit loss provision to net charge-offs | 152.3508% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.2322% | 5,514 |
| Efficiency ratio | 85.9084% | 1,857 |
| Assets per employee ($millions) | 4.5707% | 2,512 |
| Cash dividends to net income (ytd only)* | -630.8655% | 8,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,226 |
| Loan loss allowance to noncurrent loans | 49.5124% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 3,341 |
| Noncurrent loans to loans | 2.2342% | 2,465 |
| Net loans and leases to total assets | 63.5035% | 5,369 |
| Net loans and leases to deposits | 79.1292% | 5,180 |
| Net loans and leases to core deposits | 102.7485% | 4,526 |
| Total domestic deposits to total assets | 80.2529% | 4,926 |
| Equity capital to assets | 7.6439% | 7,263 |
| Core capital (leverage) ratio | 7.4305% | 7,282 |
| Tier 1 risk-based capital ratio | 9.0371% | 7,755 |
| Total risk-based capital ratio | 10.6083% | 7,382 |
| Memoranda: | ||
| Average total assets | $979,357,800 | 673 |
| Average earning assets | $843,667,200 | 715 |
| Average equity | $81,339,400 | 821 |
| Average total loans | $658,542,000 | 720 |