Home > Alpine Bank > Performance and Condition Ratios
Alpine Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 3,018 |
| Cost of funding earning assets | 1.1939% | 2,822 |
| Net interest margin | 3.3528% | 2,510 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.6022% | 1,991 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9826% | 2,271 |
| Return on assets (ROA) | 0.9834% | 2,257 |
| Pretax return on assets | 1.1933% | 2,157 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.5575% | 2,038 |
| Net charge-offs to loans | 0.0999% | 909 |
| Credit loss provision to net charge-offs | 147.9078% | 1,486 |
| Earnings coverage of net charge-offs (x) | 20.1887% | 1,870 |
| Efficiency ratio | 67.5641% | 2,163 |
| Assets per employee ($millions) | 7.5189% | 1,716 |
| Cash dividends to net income (ytd only)* | 44.6992% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 2,800 |
| Loan loss allowance to noncurrent loans | 160.2549% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 1,271 |
| Noncurrent loans to loans | 0.6901% | 1,140 |
| Net loans and leases to total assets | 62.4000% | 2,643 |
| Net loans and leases to deposits | 69.9705% | 2,893 |
| Net loans and leases to core deposits | 81.1513% | 2,643 |
| Total domestic deposits to total assets | 89.1900% | 1,009 |
| Equity capital to assets | 8.7373% | 2,875 |
| Core capital (leverage) ratio | 9.4432% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9192% | 1,557 |
| Memoranda: | ||
| Average total assets | $6,449,731,000 | 229 |
| Average earning assets | $6,016,144,400 | 221 |
| Average equity | $534,864,400 | 251 |
| Average total loans | $3,993,306,400 | 239 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 2,948 |
| Cost of funding earning assets | 1.0525% | 2,881 |
| Net interest margin | 3.4288% | 2,399 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6055% | 1,924 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0509% | 2,215 |
| Return on assets (ROA) | 1.0490% | 2,210 |
| Pretax return on assets | 1.2812% | 2,093 |
| Return on Equity (ROE) | 12.8200% | 1,938 |
| Retained earnings to average equity (ytd only) | 7.5348% | 2,132 |
| Net charge-offs to loans | 0.0360% | 1,376 |
| Credit loss provision to net charge-offs | 246.0967% | 996 |
| Earnings coverage of net charge-offs (x) | 58.7416% | 1,217 |
| Efficiency ratio | 66.6324% | 2,201 |
| Assets per employee ($millions) | 7.6671% | 1,529 |
| Cash dividends to net income (ytd only)* | 41.2272% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 2,870 |
| Loan loss allowance to noncurrent loans | 200.2254% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,654 |
| Noncurrent loans to loans | 0.5495% | 1,451 |
| Net loans and leases to total assets | 61.7800% | 2,678 |
| Net loans and leases to deposits | 68.2559% | 2,962 |
| Net loans and leases to core deposits | 78.9728% | 2,675 |
| Total domestic deposits to total assets | 90.5100% | 807 |
| Equity capital to assets | 8.1976% | 2,926 |
| Core capital (leverage) ratio | 9.2331% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6776% | 1,664 |
| Memoranda: | ||
| Average total assets | $6,458,768,000 | 229 |
| Average earning assets | $6,026,568,500 | 221 |
| Average equity | $528,487,500 | 255 |
| Average total loans | $3,979,850,500 | 241 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,922 |
| Cost of funding earning assets | 0.8310% | 3,128 |
| Net interest margin | 3.5534% | 2,145 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.5685% | 2,005 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1613% | 1,947 |
| Return on assets (ROA) | 1.1593% | 1,943 |
| Pretax return on assets | 1.4187% | 1,768 |
| Return on Equity (ROE) | 14.1800% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.0448% | 1,670 |
| Net charge-offs to loans | 0.0164% | 1,592 |
| Credit loss provision to net charge-offs | 584.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 143.4400% | 772 |
| Efficiency ratio | 64.0143% | 2,490 |
| Assets per employee ($millions) | 7.7662% | 1,435 |
| Cash dividends to net income (ytd only)* | 36.2009% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 2,960 |
| Loan loss allowance to noncurrent loans | 1,137.7305% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,161 |
| Noncurrent loans to loans | 0.0966% | 3,016 |
| Net loans and leases to total assets | 61.4800% | 2,625 |
| Net loans and leases to deposits | 69.0793% | 2,851 |
| Net loans and leases to core deposits | 79.8109% | 2,481 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 8.2208% | 3,074 |
| Core capital (leverage) ratio | 9.1734% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4280% | 1,751 |
| Memoranda: | ||
| Average total assets | $6,457,243,667 | 224 |
| Average earning assets | $6,024,487,333 | 220 |
| Average equity | $528,037,000 | 250 |
| Average total loans | $3,960,724,667 | 235 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,946 |
| Cost of funding earning assets | 0.5316% | 3,592 |
| Net interest margin | 3.7111% | 1,878 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.4881% | 2,281 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3239% | 1,608 |
| Return on assets (ROA) | 1.3211% | 1,585 |
| Pretax return on assets | 1.6410% | 1,383 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 11.4361% | 1,372 |
| Net charge-offs to loans | 0.0324% | 1,064 |
| Credit loss provision to net charge-offs | 235.2201% | 766 |
| Earnings coverage of net charge-offs (x) | 84.2579% | 875 |
| Efficiency ratio | 59.9042% | 2,969 |
| Assets per employee ($millions) | 7.8740% | 1,417 |
| Cash dividends to net income (ytd only)* | 29.4035% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,078 |
| Loan loss allowance to noncurrent loans | 1,628.6790% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,381 |
| Noncurrent loans to loans | 0.0674% | 3,250 |
| Net loans and leases to total assets | 59.4700% | 2,717 |
| Net loans and leases to deposits | 67.9785% | 2,767 |
| Net loans and leases to core deposits | 73.9070% | 2,682 |
| Total domestic deposits to total assets | 87.4800% | 2,097 |
| Equity capital to assets | 8.0807% | 3,184 |
| Core capital (leverage) ratio | 9.1987% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4165% | 1,823 |
| Memoranda: | ||
| Average total assets | $6,435,709,000 | 232 |
| Average earning assets | $6,000,559,500 | 227 |
| Average equity | $524,866,500 | 257 |
| Average total loans | $3,920,522,000 | 244 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 2,699 |
| Cost of funding earning assets | 0.0609% | 4,540 |
| Net interest margin | 3.5723% | 1,721 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.4358% | 2,317 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3346% | 1,328 |
| Return on assets (ROA) | 1.2590% | 1,516 |
| Pretax return on assets | 1.5297% | 1,364 |
| Return on Equity (ROE) | 15.7000% | 1,104 |
| Retained earnings to average equity (ytd only) | 12.0244% | 661 |
| Net charge-offs to loans | 0.0544% | 1,119 |
| Credit loss provision to net charge-offs | 132.1283% | 1,395 |
| Earnings coverage of net charge-offs (x) | 52.5967% | 1,323 |
| Efficiency ratio | 59.4215% | 3,130 |
| Assets per employee ($millions) | 7.6328% | 1,526 |
| Cash dividends to net income (ytd only)* | 23.4048% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 2,897 |
| Loan loss allowance to noncurrent loans | 1,166.7756% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,228 |
| Noncurrent loans to loans | 0.0942% | 3,091 |
| Net loans and leases to total assets | 61.0600% | 2,548 |
| Net loans and leases to deposits | 69.5927% | 2,616 |
| Net loans and leases to core deposits | 71.0396% | 2,797 |
| Total domestic deposits to total assets | 87.7400% | 2,164 |
| Equity capital to assets | 8.2333% | 2,911 |
| Core capital (leverage) ratio | 9.1942% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0874% | 1,942 |
| Memoranda: | ||
| Average total assets | $6,210,161,800 | 232 |
| Average earning assets | $5,820,434,000 | 226 |
| Average equity | $498,062,400 | 266 |
| Average total loans | $3,612,882,200 | 246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 2,764 |
| Cost of funding earning assets | 0.0241% | 4,655 |
| Net interest margin | 3.4291% | 1,869 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.3926% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3107% | 1,318 |
| Return on assets (ROA) | 1.2098% | 1,638 |
| Pretax return on assets | 1.4775% | 1,479 |
| Return on Equity (ROE) | 15.1900% | 1,132 |
| Retained earnings to average equity (ytd only) | 11.7774% | 842 |
| Net charge-offs to loans | 0.0372% | 1,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 75.0546% | 1,077 |
| Efficiency ratio | 59.9224% | 3,122 |
| Assets per employee ($millions) | 7.6488% | 1,518 |
| Cash dividends to net income (ytd only)* | 22.4531% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,012 |
| Loan loss allowance to noncurrent loans | 798.2959% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,089 |
| Noncurrent loans to loans | 0.1379% | 2,942 |
| Net loans and leases to total assets | 59.1100% | 2,596 |
| Net loans and leases to deposits | 65.1091% | 2,784 |
| Net loans and leases to core deposits | 65.4706% | 2,989 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 8.0061% | 2,892 |
| Core capital (leverage) ratio | 9.0337% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0390% | 2,044 |
| Memoranda: | ||
| Average total assets | $6,184,611,500 | 232 |
| Average earning assets | $5,806,943,000 | 227 |
| Average equity | $492,648,750 | 269 |
| Average total loans | $3,541,803,000 | 249 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 2,790 |
| Cost of funding earning assets | 0.0211% | 4,715 |
| Net interest margin | 3.2623% | 2,026 |
| Noninterest income to average assets | 0.7402% | 1,199 |
| Noninterest expense to average assets | 2.3519% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2063% | 1,403 |
| Return on assets (ROA) | 1.0532% | 1,931 |
| Pretax return on assets | 1.2739% | 1,834 |
| Return on Equity (ROE) | 13.2440% | 1,308 |
| Retained earnings to average equity (ytd only) | 9.8541% | 1,059 |
| Net charge-offs to loans | 0.0415% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 62.2718% | 1,064 |
| Efficiency ratio | 61.7280% | 3,077 |
| Assets per employee ($millions) | 7.4687% | 1,632 |
| Cash dividends to net income (ytd only)* | 25.5960% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,933 |
| Loan loss allowance to noncurrent loans | 1,469.7839% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,523 |
| Noncurrent loans to loans | 0.0781% | 3,392 |
| Net loans and leases to total assets | 58.7675% | 2,459 |
| Net loans and leases to deposits | 64.5254% | 2,675 |
| Net loans and leases to core deposits | 64.8547% | 2,904 |
| Total domestic deposits to total assets | 91.0765% | 1,194 |
| Equity capital to assets | 7.8542% | 3,236 |
| Core capital (leverage) ratio | 8.4382% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2669% | 2,387 |
| Memoranda: | ||
| Average total assets | $6,158,020,000 | 229 |
| Average earning assets | $5,794,868,667 | 225 |
| Average equity | $489,686,667 | 269 |
| Average total loans | $3,474,391,333 | 250 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0577% | 3,091 |
| Cost of funding earning assets | 0.0209% | 4,733 |
| Net interest margin | 3.0368% | 2,376 |
| Noninterest income to average assets | 0.7120% | 1,277 |
| Noninterest expense to average assets | 2.3031% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0600% | 1,653 |
| Return on assets (ROA) | 0.8865% | 2,330 |
| Pretax return on assets | 1.0652% | 2,245 |
| Return on Equity (ROE) | 11.0815% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.7736% | 1,648 |
| Net charge-offs to loans | 0.0598% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 38.7741% | 1,021 |
| Efficiency ratio | 64.3870% | 2,983 |
| Assets per employee ($millions) | 7.6867% | 1,558 |
| Cash dividends to net income (ytd only)* | 29.8507% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,744 |
| Loan loss allowance to noncurrent loans | 757.0158% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 3,051 |
| Noncurrent loans to loans | 0.1615% | 2,998 |
| Net loans and leases to total assets | 54.5051% | 2,692 |
| Net loans and leases to deposits | 59.8662% | 2,917 |
| Net loans and leases to core deposits | 60.1546% | 3,131 |
| Total domestic deposits to total assets | 91.0449% | 1,013 |
| Equity capital to assets | 7.8547% | 3,684 |
| Core capital (leverage) ratio | 7.9836% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6764% | 2,352 |
| Memoranda: | ||
| Average total assets | $6,197,264,000 | 232 |
| Average earning assets | $5,846,539,500 | 228 |
| Average equity | $495,781,500 | 274 |
| Average total loans | $3,404,446,000 | 252 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 3,280 |
| Cost of funding earning assets | 0.0257% | 4,769 |
| Net interest margin | 3.2510% | 2,461 |
| Noninterest income to average assets | 0.8390% | 1,348 |
| Noninterest expense to average assets | 2.4331% | 2,383 |
| Loan and lease loss provision to assets | 0.0904% | 1,374 |
| Net operating income to assets | 1.1186% | 2,216 |
| Return on assets (ROA) | 1.1007% | 2,358 |
| Pretax return on assets | 1.3586% | 2,175 |
| Return on Equity (ROE) | 13.1114% | 1,425 |
| Retained earnings to average equity (ytd only) | 9.9815% | 923 |
| Net charge-offs to loans | -0.0022% | 3,377 |
| Credit loss provision to net charge-offs | -7,263.8889% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3261% | 2,815 |
| Assets per employee ($millions) | 7.9164% | 1,375 |
| Cash dividends to net income (ytd only)* | 23.8720% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,666 |
| Loan loss allowance to noncurrent loans | 1,339.2449% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,476 |
| Noncurrent loans to loans | 0.0927% | 3,458 |
| Net loans and leases to total assets | 54.0115% | 2,853 |
| Net loans and leases to deposits | 59.5635% | 3,117 |
| Net loans and leases to core deposits | 59.8445% | 3,325 |
| Total domestic deposits to total assets | 90.6788% | 630 |
| Equity capital to assets | 8.1446% | 4,277 |
| Core capital (leverage) ratio | 8.0073% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7702% | 2,333 |
| Memoranda: | ||
| Average total assets | $5,784,525,800 | 241 |
| Average earning assets | $5,453,052,000 | 233 |
| Average equity | $485,629,000 | 275 |
| Average total loans | $3,337,742,400 | 251 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 3,311 |
| Cost of funding earning assets | 0.0270% | 4,849 |
| Net interest margin | 3.3020% | 2,408 |
| Noninterest income to average assets | 0.8472% | 1,388 |
| Noninterest expense to average assets | 2.3943% | 2,458 |
| Loan and lease loss provision to assets | 0.1228% | 953 |
| Net operating income to assets | 1.1652% | 2,306 |
| Return on assets (ROA) | 1.1511% | 2,423 |
| Pretax return on assets | 1.4220% | 2,247 |
| Return on Equity (ROE) | 13.5996% | 1,520 |
| Retained earnings to average equity (ytd only) | 10.4363% | 1,189 |
| Net charge-offs to loans | -0.0077% | 3,580 |
| Credit loss provision to net charge-offs | -2,723.9583% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5201% | 2,905 |
| Assets per employee ($millions) | 7.7797% | 1,392 |
| Cash dividends to net income (ytd only)* | 23.2601% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,590 |
| Loan loss allowance to noncurrent loans | 1,166.5197% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 3,577 |
| Noncurrent loans to loans | 0.1097% | 3,546 |
| Net loans and leases to total assets | 53.4905% | 3,028 |
| Net loans and leases to deposits | 59.1893% | 3,311 |
| Net loans and leases to core deposits | 59.5286% | 3,503 |
| Total domestic deposits to total assets | 90.3718% | 609 |
| Equity capital to assets | 8.1855% | 4,417 |
| Core capital (leverage) ratio | 8.1296% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2468% | 2,280 |
| Memoranda: | ||
| Average total assets | $5,677,057,500 | 245 |
| Average earning assets | $5,345,203,000 | 237 |
| Average equity | $480,502,500 | 279 |
| Average total loans | $3,322,502,250 | 252 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 3,178 |
| Cost of funding earning assets | 0.0290% | 4,881 |
| Net interest margin | 3.3739% | 2,221 |
| Noninterest income to average assets | 0.8671% | 1,361 |
| Noninterest expense to average assets | 2.4160% | 2,408 |
| Loan and lease loss provision to assets | 0.1890% | 594 |
| Net operating income to assets | 1.1620% | 2,326 |
| Return on assets (ROA) | 1.1485% | 2,435 |
| Pretax return on assets | 1.4173% | 2,278 |
| Return on Equity (ROE) | 13.4073% | 1,593 |
| Retained earnings to average equity (ytd only) | 10.2009% | 1,342 |
| Net charge-offs to loans | -0.0007% | 3,059 |
| Credit loss provision to net charge-offs | -43,583.3333% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8235% | 3,038 |
| Assets per employee ($millions) | 7.2893% | 1,604 |
| Cash dividends to net income (ytd only)* | 23.9159% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,687 |
| Loan loss allowance to noncurrent loans | 737.9727% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,444 |
| Noncurrent loans to loans | 0.1692% | 3,369 |
| Net loans and leases to total assets | 57.6171% | 2,713 |
| Net loans and leases to deposits | 63.9663% | 3,004 |
| Net loans and leases to core deposits | 64.3720% | 3,258 |
| Total domestic deposits to total assets | 90.0741% | 738 |
| Equity capital to assets | 8.3983% | 4,282 |
| Core capital (leverage) ratio | 8.3105% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3328% | 2,238 |
| Memoranda: | ||
| Average total assets | $5,533,712,667 | 250 |
| Average earning assets | $5,201,757,333 | 245 |
| Average equity | $474,038,667 | 280 |
| Average total loans | $3,326,987,333 | 252 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 2,762 |
| Cost of funding earning assets | 0.0325% | 4,912 |
| Net interest margin | 3.5281% | 1,751 |
| Noninterest income to average assets | 0.9268% | 1,262 |
| Noninterest expense to average assets | 2.5229% | 2,111 |
| Loan and lease loss provision to assets | 0.3055% | 302 |
| Net operating income to assets | 1.1474% | 2,339 |
| Return on assets (ROA) | 1.1146% | 2,507 |
| Pretax return on assets | 1.3713% | 2,366 |
| Return on Equity (ROE) | 12.8763% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.6286% | 1,760 |
| Net charge-offs to loans | 0.0040% | 1,775 |
| Credit loss provision to net charge-offs | 12,515.1515% | 42 |
| Earnings coverage of net charge-offs (x) | 703.2121% | 133 |
| Efficiency ratio | 59.5065% | 3,089 |
| Assets per employee ($millions) | 7.1835% | 1,661 |
| Cash dividends to net income (ytd only)* | 25.2224% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,808 |
| Loan loss allowance to noncurrent loans | 697.4150% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 3,543 |
| Noncurrent loans to loans | 0.1751% | 3,483 |
| Net loans and leases to total assets | 58.8151% | 2,702 |
| Net loans and leases to deposits | 65.3924% | 2,989 |
| Net loans and leases to core deposits | 65.8750% | 3,252 |
| Total domestic deposits to total assets | 89.9418% | 847 |
| Equity capital to assets | 8.3838% | 4,207 |
| Core capital (leverage) ratio | 8.5605% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6153% | 2,040 |
| Memoranda: | ||
| Average total assets | $5,406,723,000 | 250 |
| Average earning assets | $5,076,942,000 | 246 |
| Average equity | $468,024,000 | 279 |
| Average total loans | $3,302,053,500 | 253 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 2,820 |
| Cost of funding earning assets | 0.0656% | 4,923 |
| Net interest margin | 3.9048% | 1,203 |
| Noninterest income to average assets | 1.0237% | 1,006 |
| Noninterest expense to average assets | 2.9096% | 1,658 |
| Loan and lease loss provision to assets | 0.2657% | 1,453 |
| Net operating income to assets | 1.1796% | 1,615 |
| Return on assets (ROA) | 1.1995% | 1,660 |
| Pretax return on assets | 1.4732% | 1,429 |
| Return on Equity (ROE) | 13.0355% | 1,035 |
| Retained earnings to average equity (ytd only) | 9.0484% | 761 |
| Net charge-offs to loans | 0.0417% | 2,227 |
| Credit loss provision to net charge-offs | 962.9777% | 798 |
| Earnings coverage of net charge-offs (x) | 62.1139% | 1,054 |
| Efficiency ratio | 62.9310% | 2,989 |
| Assets per employee ($millions) | 6.7288% | 1,762 |
| Cash dividends to net income (ytd only)* | 30.5866% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,275 |
| Loan loss allowance to noncurrent loans | 600.0813% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,572 |
| Noncurrent loans to loans | 0.1895% | 3,534 |
| Net loans and leases to total assets | 62.0280% | 2,609 |
| Net loans and leases to deposits | 69.6344% | 2,922 |
| Net loans and leases to core deposits | 70.2699% | 3,240 |
| Total domestic deposits to total assets | 89.0766% | 951 |
| Equity capital to assets | 8.9533% | 4,097 |
| Core capital (leverage) ratio | 8.7769% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4153% | 2,082 |
| Memoranda: | ||
| Average total assets | $4,551,986,000 | 264 |
| Average earning assets | $4,196,383,000 | 256 |
| Average equity | $418,847,600 | 288 |
| Average total loans | $3,011,067,800 | 262 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 2,693 |
| Cost of funding earning assets | 0.0772% | 4,961 |
| Net interest margin | 4.0163% | 1,078 |
| Noninterest income to average assets | 1.0123% | 1,003 |
| Noninterest expense to average assets | 2.9845% | 1,476 |
| Loan and lease loss provision to assets | 0.2933% | 1,382 |
| Net operating income to assets | 1.1661% | 1,760 |
| Return on assets (ROA) | 1.1918% | 1,786 |
| Pretax return on assets | 1.4536% | 1,566 |
| Return on Equity (ROE) | 12.8504% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.7629% | 1,051 |
| Net charge-offs to loans | 0.0441% | 1,993 |
| Credit loss provision to net charge-offs | 990.7787% | 828 |
| Earnings coverage of net charge-offs (x) | 57.9416% | 1,116 |
| Efficiency ratio | 63.5061% | 2,825 |
| Assets per employee ($millions) | 6.7072% | 1,672 |
| Cash dividends to net income (ytd only)* | 31.8082% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,311 |
| Loan loss allowance to noncurrent loans | 567.9791% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,686 |
| Noncurrent loans to loans | 0.1900% | 3,632 |
| Net loans and leases to total assets | 62.1034% | 2,995 |
| Net loans and leases to deposits | 69.1435% | 3,386 |
| Net loans and leases to core deposits | 70.0722% | 3,623 |
| Total domestic deposits to total assets | 89.8181% | 495 |
| Equity capital to assets | 8.2345% | 4,616 |
| Core capital (leverage) ratio | 8.3575% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6428% | 2,349 |
| Memoranda: | ||
| Average total assets | $4,396,379,000 | 263 |
| Average earning assets | $4,036,107,750 | 263 |
| Average equity | $407,739,250 | 290 |
| Average total loans | $2,952,211,250 | 266 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 2,003 |
| Cost of funding earning assets | 0.0927% | 4,984 |
| Net interest margin | 4.3785% | 647 |
| Noninterest income to average assets | 0.9447% | 1,079 |
| Noninterest expense to average assets | 3.1190% | 1,313 |
| Loan and lease loss provision to assets | 0.4177% | 946 |
| Net operating income to assets | 1.1510% | 1,797 |
| Return on assets (ROA) | 1.1886% | 1,804 |
| Pretax return on assets | 1.4445% | 1,604 |
| Return on Equity (ROE) | 12.2498% | 1,275 |
| Retained earnings to average equity (ytd only) | 8.0295% | 1,294 |
| Net charge-offs to loans | 0.0591% | 1,658 |
| Credit loss provision to net charge-offs | 1,024.8227% | 777 |
| Earnings coverage of net charge-offs (x) | 44.5532% | 1,175 |
| Efficiency ratio | 63.2036% | 2,926 |
| Assets per employee ($millions) | 6.1727% | 2,044 |
| Cash dividends to net income (ytd only)* | 34.4520% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,152 |
| Loan loss allowance to noncurrent loans | 683.6628% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,829 |
| Noncurrent loans to loans | 0.1587% | 3,823 |
| Net loans and leases to total assets | 66.4863% | 2,561 |
| Net loans and leases to deposits | 74.7540% | 3,002 |
| Net loans and leases to core deposits | 76.8980% | 3,209 |
| Total domestic deposits to total assets | 88.9401% | 766 |
| Equity capital to assets | 8.8604% | 4,203 |
| Core capital (leverage) ratio | 9.0615% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6806% | 2,324 |
| Memoranda: | ||
| Average total assets | $4,151,509,333 | 270 |
| Average earning assets | $3,783,238,333 | 273 |
| Average equity | $402,816,000 | 292 |
| Average total loans | $2,862,520,000 | 268 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,241 |
| Cost of funding earning assets | 0.1141% | 5,026 |
| Net interest margin | 4.4112% | 612 |
| Noninterest income to average assets | 1.1491% | 659 |
| Noninterest expense to average assets | 3.5352% | 885 |
| Loan and lease loss provision to assets | 0.2326% | 1,331 |
| Net operating income to assets | 1.1541% | 1,684 |
| Return on assets (ROA) | 1.1805% | 1,702 |
| Pretax return on assets | 1.4331% | 1,474 |
| Return on Equity (ROE) | 11.5679% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.4463% | 1,730 |
| Net charge-offs to loans | 0.0921% | 1,141 |
| Credit loss provision to net charge-offs | 360.8903% | 1,066 |
| Earnings coverage of net charge-offs (x) | 25.3339% | 1,287 |
| Efficiency ratio | 68.4030% | 2,603 |
| Assets per employee ($millions) | 5.2011% | 2,425 |
| Cash dividends to net income (ytd only)* | 44.2747% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,733 |
| Loan loss allowance to noncurrent loans | 774.9720% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,997 |
| Noncurrent loans to loans | 0.1286% | 4,005 |
| Net loans and leases to total assets | 69.8495% | 2,274 |
| Net loans and leases to deposits | 79.8076% | 2,702 |
| Net loans and leases to core deposits | 80.5832% | 3,147 |
| Total domestic deposits to total assets | 87.5224% | 1,319 |
| Equity capital to assets | 10.1892% | 3,609 |
| Core capital (leverage) ratio | 9.9689% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4613% | 2,496 |
| Memoranda: | ||
| Average total assets | $3,903,248,000 | 281 |
| Average earning assets | $3,556,271,500 | 278 |
| Average equity | $398,308,000 | 296 |
| Average total loans | $2,731,680,000 | 272 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 2,084 |
| Cost of funding earning assets | 0.1402% | 5,058 |
| Net interest margin | 4.6460% | 529 |
| Noninterest income to average assets | 1.0651% | 837 |
| Noninterest expense to average assets | 3.3914% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6017% | 837 |
| Return on assets (ROA) | 1.6134% | 870 |
| Pretax return on assets | 1.9629% | 647 |
| Return on Equity (ROE) | 16.2919% | 504 |
| Retained earnings to average equity (ytd only) | 11.4924% | 280 |
| Net charge-offs to loans | 0.0969% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 30.1495% | 1,579 |
| Efficiency ratio | 63.5091% | 3,144 |
| Assets per employee ($millions) | 5.1248% | 2,427 |
| Cash dividends to net income (ytd only)* | 29.4592% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,636 |
| Loan loss allowance to noncurrent loans | 915.1281% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,074 |
| Noncurrent loans to loans | 0.1062% | 4,102 |
| Net loans and leases to total assets | 68.7309% | 2,577 |
| Net loans and leases to deposits | 78.7350% | 2,938 |
| Net loans and leases to core deposits | 79.5787% | 3,335 |
| Total domestic deposits to total assets | 87.2939% | 1,455 |
| Equity capital to assets | 10.2201% | 3,713 |
| Core capital (leverage) ratio | 9.9276% | 3,594 |
| Tier 1 risk-based capital ratio | 12.7225% | 3,934 |
| Total risk-based capital ratio | 13.6173% | 4,012 |
| Memoranda: | ||
| Average total assets | $3,765,986,200 | 277 |
| Average earning assets | $3,465,155,200 | 269 |
| Average equity | $372,958,200 | 300 |
| Average total loans | $2,511,002,600 | 285 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 2,111 |
| Cost of funding earning assets | 0.1421% | 5,133 |
| Net interest margin | 4.6601% | 540 |
| Noninterest income to average assets | 1.0550% | 828 |
| Noninterest expense to average assets | 3.3468% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6271% | 872 |
| Return on assets (ROA) | 1.6483% | 874 |
| Pretax return on assets | 2.0254% | 654 |
| Return on Equity (ROE) | 16.7825% | 506 |
| Retained earnings to average equity (ytd only) | 11.8842% | 400 |
| Net charge-offs to loans | 0.0811% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.3748% | 1,428 |
| Efficiency ratio | 62.5886% | 3,235 |
| Assets per employee ($millions) | 5.1421% | 2,407 |
| Cash dividends to net income (ytd only)* | 29.1867% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,289 |
| Loan loss allowance to noncurrent loans | 601.0238% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,947 |
| Noncurrent loans to loans | 0.1747% | 3,910 |
| Net loans and leases to total assets | 66.2674% | 3,020 |
| Net loans and leases to deposits | 75.5867% | 3,336 |
| Net loans and leases to core deposits | 76.3913% | 3,670 |
| Total domestic deposits to total assets | 87.6707% | 1,179 |
| Equity capital to assets | 10.0216% | 3,996 |
| Core capital (leverage) ratio | 9.7642% | 3,892 |
| Tier 1 risk-based capital ratio | 12.6682% | 4,044 |
| Total risk-based capital ratio | 13.6117% | 4,100 |
| Memoranda: | ||
| Average total assets | $3,741,459,750 | 282 |
| Average earning assets | $3,446,161,500 | 275 |
| Average equity | $367,469,000 | 307 |
| Average total loans | $2,468,278,750 | 288 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 2,119 |
| Cost of funding earning assets | 0.1383% | 5,182 |
| Net interest margin | 4.6433% | 561 |
| Noninterest income to average assets | 1.0617% | 763 |
| Noninterest expense to average assets | 3.3414% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6193% | 867 |
| Return on assets (ROA) | 1.6432% | 861 |
| Pretax return on assets | 2.0249% | 650 |
| Return on Equity (ROE) | 16.8486% | 488 |
| Retained earnings to average equity (ytd only) | 11.8713% | 419 |
| Net charge-offs to loans | 0.0522% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 58.2929% | 997 |
| Efficiency ratio | 62.5984% | 3,340 |
| Assets per employee ($millions) | 5.0255% | 2,447 |
| Cash dividends to net income (ytd only)* | 29.5411% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 2,915 |
| Loan loss allowance to noncurrent loans | 841.5157% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,016 |
| Noncurrent loans to loans | 0.1341% | 4,074 |
| Net loans and leases to total assets | 66.1281% | 3,087 |
| Net loans and leases to deposits | 75.1767% | 3,410 |
| Net loans and leases to core deposits | 76.0577% | 3,722 |
| Total domestic deposits to total assets | 87.9635% | 1,120 |
| Equity capital to assets | 10.1111% | 3,879 |
| Core capital (leverage) ratio | 9.7322% | 3,899 |
| Tier 1 risk-based capital ratio | 12.7930% | 3,952 |
| Total risk-based capital ratio | 13.8089% | 3,989 |
| Memoranda: | ||
| Average total assets | $3,708,230,330 | 285 |
| Average earning assets | $3,414,991,000 | 277 |
| Average equity | $361,644,000 | 312 |
| Average total loans | $2,433,560,330 | 293 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 1,991 |
| Cost of funding earning assets | 0.1358% | 5,229 |
| Net interest margin | 4.6344% | 567 |
| Noninterest income to average assets | 1.0131% | 779 |
| Noninterest expense to average assets | 3.2884% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6259% | 846 |
| Return on assets (ROA) | 1.6493% | 842 |
| Pretax return on assets | 2.0156% | 622 |
| Return on Equity (ROE) | 17.2268% | 466 |
| Retained earnings to average equity (ytd only) | 12.1667% | 584 |
| Net charge-offs to loans | 0.0320% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 95.6684% | 685 |
| Efficiency ratio | 62.3253% | 3,483 |
| Assets per employee ($millions) | 5.1729% | 2,312 |
| Cash dividends to net income (ytd only)* | 29.3734% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,681 |
| Loan loss allowance to noncurrent loans | 650.1033% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,938 |
| Noncurrent loans to loans | 0.1819% | 3,939 |
| Net loans and leases to total assets | 63.5379% | 3,343 |
| Net loans and leases to deposits | 72.1540% | 3,593 |
| Net loans and leases to core deposits | 72.8954% | 3,875 |
| Total domestic deposits to total assets | 88.0588% | 1,305 |
| Equity capital to assets | 9.7033% | 4,090 |
| Core capital (leverage) ratio | 9.4466% | 4,202 |
| Tier 1 risk-based capital ratio | 12.7906% | 3,983 |
| Total risk-based capital ratio | 13.8530% | 3,979 |
| Memoranda: | ||
| Average total assets | $3,715,461,000 | 285 |
| Average earning assets | $3,417,814,000 | 280 |
| Average equity | $355,725,000 | 316 |
| Average total loans | $2,415,096,000 | 297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 2,328 |
| Cost of funding earning assets | 0.0983% | 5,289 |
| Net interest margin | 4.4428% | 855 |
| Noninterest income to average assets | 0.9547% | 1,054 |
| Noninterest expense to average assets | 3.1488% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5733% | 943 |
| Return on assets (ROA) | 1.5891% | 885 |
| Pretax return on assets | 1.9457% | 636 |
| Return on Equity (ROE) | 17.3563% | 454 |
| Retained earnings to average equity (ytd only) | 12.2215% | 305 |
| Net charge-offs to loans | 0.0120% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 245.6950% | 383 |
| Efficiency ratio | 62.0307% | 3,518 |
| Assets per employee ($millions) | 5.1910% | 2,275 |
| Cash dividends to net income (ytd only)* | 29.5842% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,722 |
| Loan loss allowance to noncurrent loans | 493.0128% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 3,757 |
| Noncurrent loans to loans | 0.2374% | 3,730 |
| Net loans and leases to total assets | 64.9388% | 3,262 |
| Net loans and leases to deposits | 73.2888% | 3,562 |
| Net loans and leases to core deposits | 74.1691% | 3,839 |
| Total domestic deposits to total assets | 88.6066% | 1,024 |
| Equity capital to assets | 9.4445% | 4,176 |
| Core capital (leverage) ratio | 9.2326% | 4,417 |
| Tier 1 risk-based capital ratio | 12.2423% | 4,275 |
| Total risk-based capital ratio | 13.3025% | 4,275 |
| Memoranda: | ||
| Average total assets | $3,594,813,400 | 288 |
| Average earning assets | $3,334,752,200 | 278 |
| Average equity | $329,132,000 | 329 |
| Average total loans | $2,352,113,400 | 301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 2,336 |
| Cost of funding earning assets | 0.0916% | 5,366 |
| Net interest margin | 4.3992% | 900 |
| Noninterest income to average assets | 0.9556% | 1,045 |
| Noninterest expense to average assets | 3.0908% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5644% | 1,038 |
| Return on assets (ROA) | 1.5834% | 995 |
| Pretax return on assets | 1.9671% | 681 |
| Return on Equity (ROE) | 17.4369% | 489 |
| Retained earnings to average equity (ytd only) | 12.2503% | 447 |
| Net charge-offs to loans | -0.0166% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3835% | 3,602 |
| Assets per employee ($millions) | 5.3338% | 2,091 |
| Cash dividends to net income (ytd only)* | 29.7450% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,584 |
| Loan loss allowance to noncurrent loans | 266.6147% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 3,258 |
| Noncurrent loans to loans | 0.4529% | 3,030 |
| Net loans and leases to total assets | 64.9288% | 3,313 |
| Net loans and leases to deposits | 73.5521% | 3,638 |
| Net loans and leases to core deposits | 74.5945% | 3,903 |
| Total domestic deposits to total assets | 88.2760% | 1,129 |
| Equity capital to assets | 9.2331% | 4,343 |
| Core capital (leverage) ratio | 9.0602% | 4,649 |
| Tier 1 risk-based capital ratio | 11.8630% | 4,574 |
| Total risk-based capital ratio | 12.9460% | 4,562 |
| Memoranda: | ||
| Average total assets | $3,566,916,750 | 286 |
| Average earning assets | $3,307,787,000 | 279 |
| Average equity | $323,902,500 | 328 |
| Average total loans | $2,331,292,750 | 299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 2,270 |
| Cost of funding earning assets | 0.0847% | 5,432 |
| Net interest margin | 4.3622% | 924 |
| Noninterest income to average assets | 0.9317% | 1,100 |
| Noninterest expense to average assets | 3.0887% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5208% | 1,105 |
| Return on assets (ROA) | 1.5477% | 1,043 |
| Pretax return on assets | 1.9193% | 740 |
| Return on Equity (ROE) | 17.1429% | 506 |
| Retained earnings to average equity (ytd only) | 11.9407% | 527 |
| Net charge-offs to loans | -0.0513% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0738% | 3,613 |
| Assets per employee ($millions) | 5.2619% | 2,139 |
| Cash dividends to net income (ytd only)* | 30.3462% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,441 |
| Loan loss allowance to noncurrent loans | 401.5582% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 3,707 |
| Noncurrent loans to loans | 0.3109% | 3,589 |
| Net loans and leases to total assets | 65.3286% | 3,237 |
| Net loans and leases to deposits | 73.8728% | 3,551 |
| Net loans and leases to core deposits | 74.8221% | 3,822 |
| Total domestic deposits to total assets | 88.4339% | 1,170 |
| Equity capital to assets | 9.2298% | 4,355 |
| Core capital (leverage) ratio | 8.8592% | 4,832 |
| Tier 1 risk-based capital ratio | 11.6490% | 4,717 |
| Total risk-based capital ratio | 12.7592% | 4,680 |
| Memoranda: | ||
| Average total assets | $3,534,452,670 | 288 |
| Average earning assets | $3,276,726,670 | 280 |
| Average equity | $319,094,000 | 325 |
| Average total loans | $2,305,633,670 | 300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,445 |
| Cost of funding earning assets | 0.0805% | 5,500 |
| Net interest margin | 4.2413% | 1,074 |
| Noninterest income to average assets | 0.8939% | 1,161 |
| Noninterest expense to average assets | 3.1698% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3386% | 1,516 |
| Return on assets (ROA) | 1.3888% | 1,384 |
| Pretax return on assets | 1.7109% | 1,087 |
| Return on Equity (ROE) | 15.5581% | 696 |
| Retained earnings to average equity (ytd only) | 10.3433% | 1,057 |
| Net charge-offs to loans | -0.0386% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7660% | 3,215 |
| Assets per employee ($millions) | 5.4969% | 1,949 |
| Cash dividends to net income (ytd only)* | 33.5186% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,420 |
| Loan loss allowance to noncurrent loans | 366.1239% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,496 |
| Noncurrent loans to loans | 0.3459% | 3,524 |
| Net loans and leases to total assets | 63.3940% | 3,383 |
| Net loans and leases to deposits | 71.2451% | 3,680 |
| Net loans and leases to core deposits | 74.6962% | 3,765 |
| Total domestic deposits to total assets | 88.9802% | 1,099 |
| Equity capital to assets | 8.9062% | 4,652 |
| Core capital (leverage) ratio | 8.6117% | 5,051 |
| Tier 1 risk-based capital ratio | 11.5354% | 4,841 |
| Total risk-based capital ratio | 12.6605% | 4,811 |
| Memoranda: | ||
| Average total assets | $3,523,143,000 | 286 |
| Average earning assets | $3,261,186,000 | 279 |
| Average equity | $314,485,000 | 332 |
| Average total loans | $2,281,868,500 | 300 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,264 |
| Cost of funding earning assets | 0.0726% | 5,569 |
| Net interest margin | 4.2463% | 1,093 |
| Noninterest income to average assets | 0.9422% | 1,158 |
| Noninterest expense to average assets | 3.1208% | 1,799 |
| Loan and lease loss provision to assets | -0.0335% | 5,363 |
| Net operating income to assets | 1.1097% | 1,827 |
| Return on assets (ROA) | 1.1148% | 1,834 |
| Pretax return on assets | 1.7881% | 816 |
| Return on Equity (ROE) | 12.0898% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.9369% | 1,104 |
| Net charge-offs to loans | -0.0209% | 4,968 |
| Credit loss provision to net charge-offs | 243.9024% | 1,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0807% | 3,589 |
| Assets per employee ($millions) | 5.4526% | 1,983 |
| Cash dividends to net income (ytd only)* | 42.6218% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,395 |
| Loan loss allowance to noncurrent loans | 354.5197% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 3,350 |
| Noncurrent loans to loans | 0.3572% | 3,489 |
| Net loans and leases to total assets | 64.5156% | 3,302 |
| Net loans and leases to deposits | 72.7758% | 3,621 |
| Net loans and leases to core deposits | 76.0098% | 3,746 |
| Total domestic deposits to total assets | 88.6498% | 1,170 |
| Equity capital to assets | 8.9469% | 4,777 |
| Core capital (leverage) ratio | 8.6911% | 4,960 |
| Tier 1 risk-based capital ratio | 11.2621% | 5,008 |
| Total risk-based capital ratio | 12.3818% | 4,956 |
| Memoranda: | ||
| Average total assets | $3,283,118,200 | 287 |
| Average earning assets | $3,036,891,200 | 281 |
| Average equity | $302,743,000 | 330 |
| Average total loans | $2,159,807,600 | 299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 2,255 |
| Cost of funding earning assets | 0.0709% | 5,639 |
| Net interest margin | 4.2306% | 1,079 |
| Noninterest income to average assets | 0.9190% | 1,216 |
| Noninterest expense to average assets | 3.0715% | 1,888 |
| Loan and lease loss provision to assets | -0.0453% | 5,515 |
| Net operating income to assets | 1.3263% | 1,260 |
| Return on assets (ROA) | 1.3308% | 1,276 |
| Pretax return on assets | 1.8071% | 876 |
| Return on Equity (ROE) | 14.3173% | 772 |
| Retained earnings to average equity (ytd only) | 9.1281% | 804 |
| Net charge-offs to loans | -0.0553% | 5,191 |
| Credit loss provision to net charge-offs | 124.4344% | 1,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6075% | 3,625 |
| Assets per employee ($millions) | 5.5035% | 1,920 |
| Cash dividends to net income (ytd only)* | 36.2442% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,249 |
| Loan loss allowance to noncurrent loans | 291.3650% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 3,255 |
| Noncurrent loans to loans | 0.4540% | 3,344 |
| Net loans and leases to total assets | 63.9810% | 3,400 |
| Net loans and leases to deposits | 72.0973% | 3,761 |
| Net loans and leases to core deposits | 75.5043% | 3,841 |
| Total domestic deposits to total assets | 88.7426% | 996 |
| Equity capital to assets | 9.1380% | 4,791 |
| Core capital (leverage) ratio | 8.8591% | 4,913 |
| Tier 1 risk-based capital ratio | 11.5147% | 4,956 |
| Total risk-based capital ratio | 12.6780% | 4,887 |
| Memoranda: | ||
| Average total assets | $3,234,200,750 | 291 |
| Average earning assets | $2,988,963,500 | 283 |
| Average equity | $300,618,000 | 333 |
| Average total loans | $2,131,472,500 | 303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,401 |
| Cost of funding earning assets | 0.0686% | 5,685 |
| Net interest margin | 4.1514% | 1,200 |
| Noninterest income to average assets | 0.9010% | 1,271 |
| Noninterest expense to average assets | 3.1038% | 1,832 |
| Loan and lease loss provision to assets | -0.0693% | 5,618 |
| Net operating income to assets | 1.2850% | 1,340 |
| Return on assets (ROA) | 1.2887% | 1,351 |
| Pretax return on assets | 1.7035% | 1,051 |
| Return on Equity (ROE) | 13.7812% | 850 |
| Retained earnings to average equity (ytd only) | 8.5297% | 990 |
| Net charge-offs to loans | -0.0711% | 5,306 |
| Credit loss provision to net charge-offs | 146.8625% | 1,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5589% | 3,422 |
| Assets per employee ($millions) | 5.2723% | 2,086 |
| Cash dividends to net income (ytd only)* | 38.1064% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 2,162 |
| Loan loss allowance to noncurrent loans | 247.5615% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,879 |
| Noncurrent loans to loans | 0.5462% | 3,107 |
| Net loans and leases to total assets | 64.9183% | 3,263 |
| Net loans and leases to deposits | 73.3753% | 3,609 |
| Net loans and leases to core deposits | 76.5754% | 3,722 |
| Total domestic deposits to total assets | 88.4742% | 1,217 |
| Equity capital to assets | 9.2882% | 4,635 |
| Core capital (leverage) ratio | 8.9539% | 4,772 |
| Tier 1 risk-based capital ratio | 11.5663% | 4,915 |
| Total risk-based capital ratio | 12.7618% | 4,846 |
| Memoranda: | ||
| Average total assets | $3,176,714,670 | 296 |
| Average earning assets | $2,933,298,670 | 290 |
| Average equity | $297,056,670 | 336 |
| Average total loans | $2,105,684,330 | 308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 2,236 |
| Cost of funding earning assets | 0.0655% | 5,756 |
| Net interest margin | 4.1460% | 1,107 |
| Noninterest income to average assets | 0.8720% | 1,329 |
| Noninterest expense to average assets | 3.0735% | 1,940 |
| Loan and lease loss provision to assets | -0.1405% | 5,771 |
| Net operating income to assets | 1.3890% | 1,022 |
| Return on assets (ROA) | 1.3929% | 1,045 |
| Pretax return on assets | 1.7709% | 859 |
| Return on Equity (ROE) | 14.8438% | 668 |
| Retained earnings to average equity (ytd only) | 9.5337% | 914 |
| Net charge-offs to loans | -0.2097% | 5,628 |
| Credit loss provision to net charge-offs | 100.7326% | 1,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3953% | 3,591 |
| Assets per employee ($millions) | 5.1517% | 2,241 |
| Cash dividends to net income (ytd only)* | 35.7733% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 2,043 |
| Loan loss allowance to noncurrent loans | 503.7316% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 3,559 |
| Noncurrent loans to loans | 0.2794% | 4,114 |
| Net loans and leases to total assets | 64.2345% | 3,239 |
| Net loans and leases to deposits | 72.7574% | 3,537 |
| Net loans and leases to core deposits | 75.7944% | 3,674 |
| Total domestic deposits to total assets | 88.2859% | 1,542 |
| Equity capital to assets | 9.2657% | 4,545 |
| Core capital (leverage) ratio | 9.0541% | 4,672 |
| Tier 1 risk-based capital ratio | 11.5761% | 4,983 |
| Total risk-based capital ratio | 12.8124% | 4,892 |
| Memoranda: | ||
| Average total assets | $3,130,674,500 | 300 |
| Average earning assets | $2,890,433,500 | 294 |
| Average equity | $293,779,000 | 337 |
| Average total loans | $2,082,961,000 | 312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,094 |
| Cost of funding earning assets | 0.0622% | 5,818 |
| Net interest margin | 4.2542% | 1,005 |
| Noninterest income to average assets | 1.0120% | 1,111 |
| Noninterest expense to average assets | 3.2418% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2063% | 1,487 |
| Return on assets (ROA) | 1.2118% | 1,552 |
| Pretax return on assets | 1.6735% | 1,070 |
| Return on Equity (ROE) | 12.4965% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.8299% | 912 |
| Net charge-offs to loans | -0.0994% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0257% | 3,583 |
| Assets per employee ($millions) | 5.0361% | 2,351 |
| Cash dividends to net income (ytd only)* | 37.3432% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,004 |
| Loan loss allowance to noncurrent loans | 390.9296% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 3,217 |
| Noncurrent loans to loans | 0.3629% | 3,826 |
| Net loans and leases to total assets | 67.0233% | 2,925 |
| Net loans and leases to deposits | 75.9612% | 3,317 |
| Net loans and leases to core deposits | 78.9118% | 3,486 |
| Total domestic deposits to total assets | 88.2336% | 1,514 |
| Equity capital to assets | 9.5081% | 4,264 |
| Core capital (leverage) ratio | 9.1673% | 4,528 |
| Tier 1 risk-based capital ratio | 11.4826% | 5,067 |
| Total risk-based capital ratio | 12.7424% | 4,963 |
| Memoranda: | ||
| Average total assets | $2,894,770,400 | 306 |
| Average earning assets | $2,652,357,000 | 298 |
| Average equity | $280,718,000 | 336 |
| Average total loans | $1,949,723,000 | 309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 2,098 |
| Cost of funding earning assets | 0.0616% | 5,883 |
| Net interest margin | 4.2628% | 999 |
| Noninterest income to average assets | 1.0034% | 1,142 |
| Noninterest expense to average assets | 3.1967% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2445% | 1,476 |
| Return on assets (ROA) | 1.2486% | 1,568 |
| Pretax return on assets | 1.7103% | 1,087 |
| Return on Equity (ROE) | 12.8088% | 1,108 |
| Retained earnings to average equity (ytd only) | 8.4020% | 1,019 |
| Net charge-offs to loans | -0.1193% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1882% | 3,733 |
| Assets per employee ($millions) | 5.0338% | 2,333 |
| Cash dividends to net income (ytd only)* | 34.4041% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,025 |
| Loan loss allowance to noncurrent loans | 564.5797% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 3,382 |
| Noncurrent loans to loans | 0.2548% | 4,354 |
| Net loans and leases to total assets | 67.5052% | 2,874 |
| Net loans and leases to deposits | 77.0708% | 3,279 |
| Net loans and leases to core deposits | 79.9098% | 3,450 |
| Total domestic deposits to total assets | 87.5886% | 1,617 |
| Equity capital to assets | 9.6900% | 4,474 |
| Core capital (leverage) ratio | 9.2943% | 4,464 |
| Tier 1 risk-based capital ratio | 11.4655% | 5,111 |
| Total risk-based capital ratio | 12.7319% | 5,009 |
| Memoranda: | ||
| Average total assets | $2,855,497,500 | 309 |
| Average earning assets | $2,612,649,000 | 302 |
| Average equity | $278,353,750 | 336 |
| Average total loans | $1,918,429,750 | 309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 2,135 |
| Cost of funding earning assets | 0.0613% | 5,967 |
| Net interest margin | 4.2451% | 1,027 |
| Noninterest income to average assets | 1.0010% | 1,113 |
| Noninterest expense to average assets | 3.2056% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2330% | 1,495 |
| Return on assets (ROA) | 1.2318% | 1,590 |
| Pretax return on assets | 1.6713% | 1,168 |
| Return on Equity (ROE) | 12.6106% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.2528% | 1,089 |
| Net charge-offs to loans | -0.1510% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6801% | 3,732 |
| Assets per employee ($millions) | 4.9301% | 2,382 |
| Cash dividends to net income (ytd only)* | 34.5562% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,956 |
| Loan loss allowance to noncurrent loans | 472.1306% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 3,267 |
| Noncurrent loans to loans | 0.3128% | 4,242 |
| Net loans and leases to total assets | 66.8811% | 2,955 |
| Net loans and leases to deposits | 76.3927% | 3,336 |
| Net loans and leases to core deposits | 79.2073% | 3,529 |
| Total domestic deposits to total assets | 87.5491% | 1,648 |
| Equity capital to assets | 9.7553% | 4,506 |
| Core capital (leverage) ratio | 9.3650% | 4,383 |
| Tier 1 risk-based capital ratio | 11.5257% | 5,135 |
| Total risk-based capital ratio | 12.8003% | 5,011 |
| Memoranda: | ||
| Average total assets | $2,819,030,000 | 310 |
| Average earning assets | $2,576,382,000 | 303 |
| Average equity | $275,372,330 | 335 |
| Average total loans | $1,881,013,000 | 312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,203 |
| Cost of funding earning assets | 0.0617% | 6,025 |
| Net interest margin | 4.2176% | 1,063 |
| Noninterest income to average assets | 0.9875% | 1,107 |
| Noninterest expense to average assets | 3.2323% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2130% | 1,513 |
| Return on assets (ROA) | 1.2321% | 1,551 |
| Pretax return on assets | 1.6360% | 1,215 |
| Return on Equity (ROE) | 12.6043% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.3456% | 1,325 |
| Net charge-offs to loans | -0.3274% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7151% | 3,681 |
| Assets per employee ($millions) | 4.8947% | 2,465 |
| Cash dividends to net income (ytd only)* | 33.7877% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,806 |
| Loan loss allowance to noncurrent loans | 440.4191% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 3,211 |
| Noncurrent loans to loans | 0.3509% | 4,173 |
| Net loans and leases to total assets | 65.1980% | 3,080 |
| Net loans and leases to deposits | 74.5706% | 3,362 |
| Net loans and leases to core deposits | 77.5753% | 3,535 |
| Total domestic deposits to total assets | 87.4312% | 1,970 |
| Equity capital to assets | 9.7159% | 4,433 |
| Core capital (leverage) ratio | 9.2701% | 4,522 |
| Tier 1 risk-based capital ratio | 11.6375% | 5,143 |
| Total risk-based capital ratio | 12.9155% | 5,039 |
| Memoranda: | ||
| Average total assets | $2,786,496,500 | 309 |
| Average earning assets | $2,548,567,000 | 301 |
| Average equity | $272,382,500 | 335 |
| Average total loans | $1,842,602,000 | 318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,421 |
| Cost of funding earning assets | 0.0659% | 6,081 |
| Net interest margin | 4.1733% | 1,225 |
| Noninterest income to average assets | 0.9809% | 1,228 |
| Noninterest expense to average assets | 3.4222% | 1,446 |
| Loan and lease loss provision to assets | -0.1536% | 5,926 |
| Net operating income to assets | 1.1051% | 1,902 |
| Return on assets (ROA) | 1.1154% | 1,919 |
| Pretax return on assets | 1.5174% | 1,501 |
| Return on Equity (ROE) | 11.2170% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.0979% | 1,239 |
| Net charge-offs to loans | -0.0680% | 5,653 |
| Credit loss provision to net charge-offs | 354.1924% | 845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6752% | 2,955 |
| Assets per employee ($millions) | 4.8391% | 2,548 |
| Cash dividends to net income (ytd only)* | 36.7218% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,900 |
| Loan loss allowance to noncurrent loans | 392.8990% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 3,279 |
| Noncurrent loans to loans | 0.3870% | 4,064 |
| Net loans and leases to total assets | 65.0234% | 3,121 |
| Net loans and leases to deposits | 74.6126% | 3,423 |
| Net loans and leases to core deposits | 77.5528% | 3,601 |
| Total domestic deposits to total assets | 87.1480% | 2,051 |
| Equity capital to assets | 9.8363% | 4,151 |
| Core capital (leverage) ratio | 9.2528% | 4,543 |
| Tier 1 risk-based capital ratio | 11.6637% | 5,154 |
| Total risk-based capital ratio | 12.9438% | 5,054 |
| Memoranda: | ||
| Average total assets | $2,612,341,400 | 309 |
| Average earning assets | $2,374,729,200 | 306 |
| Average equity | $259,765,600 | 334 |
| Average total loans | $1,666,911,000 | 328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,559 |
| Cost of funding earning assets | 0.0677% | 6,162 |
| Net interest margin | 4.1388% | 1,303 |
| Noninterest income to average assets | 1.0059% | 1,170 |
| Noninterest expense to average assets | 3.3775% | 1,517 |
| Loan and lease loss provision to assets | -0.1154% | 6,023 |
| Net operating income to assets | 1.1012% | 1,996 |
| Return on assets (ROA) | 1.1049% | 2,063 |
| Pretax return on assets | 1.5031% | 1,678 |
| Return on Equity (ROE) | 11.0802% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.0391% | 1,666 |
| Net charge-offs to loans | -0.0523% | 5,563 |
| Credit loss provision to net charge-offs | 348.9063% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9142% | 3,065 |
| Assets per employee ($millions) | 4.8244% | 2,526 |
| Cash dividends to net income (ytd only)* | 36.4707% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,582 |
| Loan loss allowance to noncurrent loans | 209.2998% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 2,430 |
| Noncurrent loans to loans | 0.7930% | 2,980 |
| Net loans and leases to total assets | 62.9059% | 3,466 |
| Net loans and leases to deposits | 72.1546% | 3,745 |
| Net loans and leases to core deposits | 74.9474% | 3,913 |
| Total domestic deposits to total assets | 87.1821% | 1,943 |
| Equity capital to assets | 9.7575% | 4,438 |
| Core capital (leverage) ratio | 9.1618% | 4,787 |
| Tier 1 risk-based capital ratio | 11.8232% | 5,182 |
| Total risk-based capital ratio | 13.1089% | 5,087 |
| Memoranda: | ||
| Average total assets | $2,580,693,500 | 317 |
| Average earning assets | $2,342,524,250 | 316 |
| Average equity | $257,354,250 | 344 |
| Average total loans | $1,631,527,000 | 337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,523 |
| Cost of funding earning assets | 0.0702% | 6,226 |
| Net interest margin | 4.1367% | 1,259 |
| Noninterest income to average assets | 0.9350% | 1,344 |
| Noninterest expense to average assets | 3.3850% | 1,503 |
| Loan and lease loss provision to assets | -0.1502% | 6,134 |
| Net operating income to assets | 1.0701% | 2,055 |
| Return on assets (ROA) | 1.0711% | 2,151 |
| Pretax return on assets | 1.4477% | 1,807 |
| Return on Equity (ROE) | 10.6592% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.5800% | 1,908 |
| Net charge-offs to loans | -0.0376% | 5,423 |
| Credit loss provision to net charge-offs | 635.0000% | 526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2754% | 2,966 |
| Assets per employee ($millions) | 4.6441% | 2,754 |
| Cash dividends to net income (ytd only)* | 38.2691% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 1,486 |
| Loan loss allowance to noncurrent loans | 274.3683% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 2,763 |
| Noncurrent loans to loans | 0.6391% | 3,556 |
| Net loans and leases to total assets | 62.2155% | 3,520 |
| Net loans and leases to deposits | 71.4945% | 3,760 |
| Net loans and leases to core deposits | 74.2798% | 3,937 |
| Total domestic deposits to total assets | 87.0213% | 2,161 |
| Equity capital to assets | 9.9792% | 4,062 |
| Core capital (leverage) ratio | 9.1546% | 4,746 |
| Tier 1 risk-based capital ratio | 11.7024% | 5,340 |
| Total risk-based capital ratio | 12.9951% | 5,223 |
| Memoranda: | ||
| Average total assets | $2,537,149,330 | 321 |
| Average earning assets | $2,299,038,000 | 320 |
| Average equity | $254,953,000 | 349 |
| Average total loans | $1,597,246,330 | 340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 2,602 |
| Cost of funding earning assets | 0.0770% | 6,278 |
| Net interest margin | 4.0839% | 1,321 |
| Noninterest income to average assets | 1.0190% | 1,078 |
| Noninterest expense to average assets | 3.3404% | 1,618 |
| Loan and lease loss provision to assets | -0.0293% | 6,127 |
| Net operating income to assets | 1.0386% | 2,085 |
| Return on assets (ROA) | 1.0532% | 2,157 |
| Pretax return on assets | 1.4197% | 1,813 |
| Return on Equity (ROE) | 10.4437% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.1771% | 2,387 |
| Net charge-offs to loans | 0.1325% | 1,452 |
| Credit loss provision to net charge-offs | -35.2490% | 4,368 |
| Earnings coverage of net charge-offs (x) | 16.5038% | 1,563 |
| Efficiency ratio | 70.8717% | 3,341 |
| Assets per employee ($millions) | 4.5637% | 2,947 |
| Cash dividends to net income (ytd only)* | 40.8534% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 1,344 |
| Loan loss allowance to noncurrent loans | 287.0284% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,604 |
| Noncurrent loans to loans | 0.6512% | 3,646 |
| Net loans and leases to total assets | 60.5262% | 3,580 |
| Net loans and leases to deposits | 69.4656% | 3,806 |
| Net loans and leases to core deposits | 72.2051% | 3,944 |
| Total domestic deposits to total assets | 87.1311% | 2,304 |
| Equity capital to assets | 9.9151% | 4,244 |
| Core capital (leverage) ratio | 9.1199% | 4,825 |
| Tier 1 risk-based capital ratio | 11.5597% | 5,522 |
| Total risk-based capital ratio | 12.8172% | 5,431 |
| Memoranda: | ||
| Average total assets | $2,510,021,500 | 323 |
| Average earning assets | $2,270,588,500 | 322 |
| Average equity | $253,128,500 | 348 |
| Average total loans | $1,575,355,500 | 339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 2,501 |
| Cost of funding earning assets | 0.1267% | 6,215 |
| Net interest margin | 4.2019% | 1,294 |
| Noninterest income to average assets | 0.8518% | 1,677 |
| Noninterest expense to average assets | 3.2716% | 2,003 |
| Loan and lease loss provision to assets | -0.1539% | 6,236 |
| Net operating income to assets | 1.1137% | 1,930 |
| Return on assets (ROA) | 1.1218% | 1,953 |
| Pretax return on assets | 1.5220% | 1,468 |
| Return on Equity (ROE) | 10.9646% | 1,731 |
| Retained earnings to average equity (ytd only) | -5.4235% | 6,193 |
| Net charge-offs to loans | -0.0459% | 5,900 |
| Credit loss provision to net charge-offs | 530.0429% | 502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6367% | 3,439 |
| Assets per employee ($millions) | 4.4394% | 3,138 |
| Cash dividends to net income (ytd only)* | 149.4632% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 1,213 |
| Loan loss allowance to noncurrent loans | 254.5714% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 2,441 |
| Noncurrent loans to loans | 0.7634% | 3,410 |
| Net loans and leases to total assets | 62.6610% | 3,416 |
| Net loans and leases to deposits | 72.2218% | 3,659 |
| Net loans and leases to core deposits | 76.1059% | 3,701 |
| Total domestic deposits to total assets | 86.7618% | 2,411 |
| Equity capital to assets | 10.2631% | 3,771 |
| Core capital (leverage) ratio | 9.3920% | 4,398 |
| Tier 1 risk-based capital ratio | 12.5276% | 5,025 |
| Total risk-based capital ratio | 13.7829% | 4,935 |
| Memoranda: | ||
| Average total assets | $2,407,777,800 | 315 |
| Average earning assets | $2,165,925,000 | 313 |
| Average equity | $246,337,200 | 339 |
| Average total loans | $1,524,126,000 | 325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,548 |
| Cost of funding earning assets | 0.1303% | 6,288 |
| Net interest margin | 4.1891% | 1,316 |
| Noninterest income to average assets | 0.8473% | 1,712 |
| Noninterest expense to average assets | 3.2525% | 2,024 |
| Loan and lease loss provision to assets | -0.0999% | 6,273 |
| Net operating income to assets | 1.0810% | 2,105 |
| Return on assets (ROA) | 1.0891% | 2,147 |
| Pretax return on assets | 1.4665% | 1,748 |
| Return on Equity (ROE) | 10.6540% | 1,925 |
| Retained earnings to average equity (ytd only) | -9.9416% | 6,374 |
| Net charge-offs to loans | -0.0289% | 5,728 |
| Credit loss provision to net charge-offs | 547.8659% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5396% | 3,412 |
| Assets per employee ($millions) | 4.5273% | 2,918 |
| Cash dividends to net income (ytd only)* | 193.3129% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 1,121 |
| Loan loss allowance to noncurrent loans | 259.2316% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4228% | 2,169 |
| Noncurrent loans to loans | 0.8011% | 3,580 |
| Net loans and leases to total assets | 60.6572% | 3,679 |
| Net loans and leases to deposits | 69.6868% | 3,954 |
| Net loans and leases to core deposits | 73.3123% | 4,017 |
| Total domestic deposits to total assets | 87.0426% | 2,297 |
| Equity capital to assets | 9.8859% | 4,315 |
| Core capital (leverage) ratio | 9.1672% | 4,823 |
| Tier 1 risk-based capital ratio | 12.3018% | 5,296 |
| Total risk-based capital ratio | 13.5584% | 5,220 |
| Memoranda: | ||
| Average total assets | $2,398,189,000 | 313 |
| Average earning assets | $2,154,596,750 | 316 |
| Average equity | $245,159,000 | 336 |
| Average total loans | $1,514,370,250 | 326 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 2,311 |
| Cost of funding earning assets | 0.1357% | 6,332 |
| Net interest margin | 4.2303% | 1,180 |
| Noninterest income to average assets | 0.8373% | 1,713 |
| Noninterest expense to average assets | 3.2597% | 2,018 |
| Loan and lease loss provision to assets | -0.0649% | 6,325 |
| Net operating income to assets | 1.0712% | 2,036 |
| Return on assets (ROA) | 1.0783% | 2,086 |
| Pretax return on assets | 1.4417% | 1,748 |
| Return on Equity (ROE) | 10.4282% | 1,965 |
| Retained earnings to average equity (ytd only) | -17.1253% | 6,519 |
| Net charge-offs to loans | 0.0113% | 4,028 |
| Credit loss provision to net charge-offs | -904.7059% | 5,705 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 336 |
| Efficiency ratio | 70.4130% | 3,588 |
| Assets per employee ($millions) | 4.4670% | 2,973 |
| Cash dividends to net income (ytd only)* | 264.2203% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 1,097 |
| Loan loss allowance to noncurrent loans | 253.4518% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 2,539 |
| Noncurrent loans to loans | 0.8463% | 3,591 |
| Net loans and leases to total assets | 61.7485% | 3,446 |
| Net loans and leases to deposits | 71.0960% | 3,693 |
| Net loans and leases to core deposits | 75.0393% | 3,730 |
| Total domestic deposits to total assets | 86.8522% | 2,547 |
| Equity capital to assets | 10.0585% | 4,023 |
| Core capital (leverage) ratio | 9.2867% | 4,608 |
| Tier 1 risk-based capital ratio | 12.1921% | 5,427 |
| Total risk-based capital ratio | 13.4493% | 5,337 |
| Memoranda: | ||
| Average total assets | $2,370,596,000 | 314 |
| Average earning assets | $2,125,069,000 | 314 |
| Average equity | $245,123,330 | 333 |
| Average total loans | $1,506,893,670 | 322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 2,342 |
| Cost of funding earning assets | 0.1435% | 6,389 |
| Net interest margin | 4.2046% | 1,206 |
| Noninterest income to average assets | 0.8607% | 1,520 |
| Noninterest expense to average assets | 3.2520% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0383% | 2,052 |
| Return on assets (ROA) | 1.0454% | 2,097 |
| Pretax return on assets | 1.3803% | 1,817 |
| Return on Equity (ROE) | 9.9717% | 2,053 |
| Retained earnings to average equity (ytd only) | -44.7567% | 6,660 |
| Net charge-offs to loans | -0.0232% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3108% | 3,777 |
| Assets per employee ($millions) | 4.5119% | 2,954 |
| Cash dividends to net income (ytd only)* | 548.8380% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 1,123 |
| Loan loss allowance to noncurrent loans | 305.9883% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 2,392 |
| Noncurrent loans to loans | 0.7279% | 4,041 |
| Net loans and leases to total assets | 61.5563% | 3,306 |
| Net loans and leases to deposits | 70.7247% | 3,508 |
| Net loans and leases to core deposits | 74.4240% | 3,601 |
| Total domestic deposits to total assets | 87.0364% | 2,787 |
| Equity capital to assets | 9.8043% | 4,106 |
| Core capital (leverage) ratio | 8.8678% | 5,178 |
| Tier 1 risk-based capital ratio | 11.6512% | 5,837 |
| Total risk-based capital ratio | 12.9092% | 5,775 |
| Memoranda: | ||
| Average total assets | $2,354,260,000 | 317 |
| Average earning assets | $2,107,790,000 | 319 |
| Average equity | $246,819,000 | 330 |
| Average total loans | $1,502,086,000 | 324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 2,166 |
| Cost of funding earning assets | 0.1913% | 6,330 |
| Net interest margin | 4.3197% | 1,059 |
| Noninterest income to average assets | 0.9524% | 1,520 |
| Noninterest expense to average assets | 3.2509% | 2,278 |
| Loan and lease loss provision to assets | -0.0008% | 6,240 |
| Net operating income to assets | 1.1266% | 1,848 |
| Return on assets (ROA) | 1.1343% | 1,881 |
| Pretax return on assets | 1.5136% | 1,400 |
| Return on Equity (ROE) | 10.0258% | 2,099 |
| Retained earnings to average equity (ytd only) | -7.2068% | 6,473 |
| Net charge-offs to loans | 0.0823% | 4,063 |
| Credit loss provision to net charge-offs | -1.5139% | 5,662 |
| Earnings coverage of net charge-offs (x) | 29.4407% | 1,204 |
| Efficiency ratio | 68.1671% | 4,165 |
| Assets per employee ($millions) | 4.5613% | 2,800 |
| Cash dividends to net income (ytd only)* | 171.8823% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2233% | 1,146 |
| Loan loss allowance to noncurrent loans | 296.5006% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 2,082 |
| Noncurrent loans to loans | 0.7499% | 4,090 |
| Net loans and leases to total assets | 63.2331% | 3,175 |
| Net loans and leases to deposits | 73.7238% | 3,301 |
| Net loans and leases to core deposits | 78.2600% | 3,324 |
| Total domestic deposits to total assets | 85.7703% | 3,376 |
| Equity capital to assets | 11.1826% | 2,443 |
| Core capital (leverage) ratio | 10.2999% | 3,149 |
| Tier 1 risk-based capital ratio | 13.2509% | 4,822 |
| Total risk-based capital ratio | 14.5089% | 4,757 |
| Memoranda: | ||
| Average total assets | $2,325,832,600 | 312 |
| Average earning assets | $2,047,900,400 | 318 |
| Average equity | $263,141,400 | 308 |
| Average total loans | $1,445,492,400 | 316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,338 |
| Cost of funding earning assets | 0.2021% | 6,390 |
| Net interest margin | 4.2699% | 1,162 |
| Noninterest income to average assets | 0.9706% | 1,536 |
| Noninterest expense to average assets | 3.1757% | 2,434 |
| Loan and lease loss provision to assets | -0.0006% | 6,439 |
| Net operating income to assets | 1.1038% | 1,992 |
| Return on assets (ROA) | 1.1114% | 2,032 |
| Pretax return on assets | 1.5507% | 1,466 |
| Return on Equity (ROE) | 9.7950% | 2,263 |
| Retained earnings to average equity (ytd only) | -10.5288% | 6,649 |
| Net charge-offs to loans | 0.1015% | 3,529 |
| Credit loss provision to net charge-offs | -1.0092% | 5,573 |
| Earnings coverage of net charge-offs (x) | 24.6963% | 1,415 |
| Efficiency ratio | 67.1197% | 4,280 |
| Assets per employee ($millions) | 4.6214% | 2,680 |
| Cash dividends to net income (ytd only)* | 207.4912% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2177% | 1,299 |
| Loan loss allowance to noncurrent loans | 192.6316% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 2,145 |
| Noncurrent loans to loans | 1.1513% | 3,509 |
| Net loans and leases to total assets | 63.5209% | 3,075 |
| Net loans and leases to deposits | 74.1142% | 3,220 |
| Net loans and leases to core deposits | 78.6961% | 3,274 |
| Total domestic deposits to total assets | 85.7069% | 3,401 |
| Equity capital to assets | 11.1289% | 2,636 |
| Core capital (leverage) ratio | 10.3115% | 3,227 |
| Tier 1 risk-based capital ratio | 13.2819% | 4,916 |
| Total risk-based capital ratio | 14.5399% | 4,848 |
| Memoranda: | ||
| Average total assets | $2,326,860,000 | 314 |
| Average earning assets | $2,042,233,750 | 319 |
| Average equity | $264,019,500 | 304 |
| Average total loans | $1,431,495,500 | 325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 2,388 |
| Cost of funding earning assets | 0.2126% | 6,416 |
| Net interest margin | 4.2361% | 1,181 |
| Noninterest income to average assets | 0.9731% | 1,596 |
| Noninterest expense to average assets | 3.2374% | 2,252 |
| Loan and lease loss provision to assets | -0.0031% | 6,566 |
| Net operating income to assets | 1.0404% | 2,148 |
| Return on assets (ROA) | 1.0475% | 2,247 |
| Pretax return on assets | 1.4389% | 1,801 |
| Return on Equity (ROE) | 9.1733% | 2,546 |
| Retained earnings to average equity (ytd only) | -17.2728% | 6,779 |
| Net charge-offs to loans | 0.2314% | 2,340 |
| Credit loss provision to net charge-offs | -2.2140% | 5,426 |
| Earnings coverage of net charge-offs (x) | 10.2257% | 2,174 |
| Efficiency ratio | 69.1920% | 3,980 |
| Assets per employee ($millions) | 4.4993% | 2,816 |
| Cash dividends to net income (ytd only)* | 288.2946% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2716% | 1,303 |
| Loan loss allowance to noncurrent loans | 203.8633% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 3.3492% | 1,172 |
| Noncurrent loans to loans | 1.1143% | 3,700 |
| Net loans and leases to total assets | 62.7205% | 3,153 |
| Net loans and leases to deposits | 73.5869% | 3,218 |
| Net loans and leases to core deposits | 78.6985% | 3,201 |
| Total domestic deposits to total assets | 85.2332% | 3,775 |
| Equity capital to assets | 11.4688% | 2,329 |
| Core capital (leverage) ratio | 10.3512% | 3,044 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,852 |
| Total risk-based capital ratio | 14.6413% | 4,795 |
| Memoranda: | ||
| Average total assets | $2,327,624,670 | 316 |
| Average earning assets | $2,029,169,330 | 322 |
| Average equity | $265,793,000 | 305 |
| Average total loans | $1,405,302,330 | 325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 2,788 |
| Cost of funding earning assets | 0.2212% | 6,466 |
| Net interest margin | 4.1025% | 1,453 |
| Noninterest income to average assets | 0.9507% | 1,612 |
| Noninterest expense to average assets | 3.2061% | 2,335 |
| Loan and lease loss provision to assets | -0.0058% | 6,729 |
| Net operating income to assets | 0.9862% | 2,285 |
| Return on assets (ROA) | 0.9933% | 2,372 |
| Pretax return on assets | 1.3315% | 2,118 |
| Return on Equity (ROE) | 8.7172% | 2,617 |
| Retained earnings to average equity (ytd only) | -43.5115% | 6,950 |
| Net charge-offs to loans | 0.5665% | 1,072 |
| Credit loss provision to net charge-offs | -1.7356% | 4,945 |
| Earnings coverage of net charge-offs (x) | 3.9750% | 2,638 |
| Efficiency ratio | 70.6624% | 3,856 |
| Assets per employee ($millions) | 4.6729% | 2,696 |
| Cash dividends to net income (ytd only)* | 599.1476% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3599% | 1,317 |
| Loan loss allowance to noncurrent loans | 161.5023% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 1,255 |
| Noncurrent loans to loans | 1.4612% | 3,373 |
| Net loans and leases to total assets | 57.9543% | 3,783 |
| Net loans and leases to deposits | 67.5423% | 3,828 |
| Net loans and leases to core deposits | 72.4281% | 3,767 |
| Total domestic deposits to total assets | 85.8044% | 3,630 |
| Equity capital to assets | 10.9301% | 3,042 |
| Core capital (leverage) ratio | 9.6435% | 3,856 |
| Tier 1 risk-based capital ratio | 13.1336% | 5,115 |
| Total risk-based capital ratio | 14.3958% | 5,064 |
| Memoranda: | ||
| Average total assets | $2,362,122,500 | 316 |
| Average earning assets | $2,057,870,500 | 319 |
| Average equity | $269,170,500 | 306 |
| Average total loans | $1,383,178,000 | 330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 2,968 |
| Cost of funding earning assets | 0.2832% | 6,535 |
| Net interest margin | 4.3248% | 1,338 |
| Noninterest income to average assets | 0.8188% | 2,183 |
| Noninterest expense to average assets | 3.2424% | 2,483 |
| Loan and lease loss provision to assets | 0.0930% | 4,506 |
| Net operating income to assets | 0.9635% | 2,485 |
| Return on assets (ROA) | 0.9607% | 2,740 |
| Pretax return on assets | 1.2984% | 2,406 |
| Return on Equity (ROE) | 7.9729% | 3,095 |
| Retained earnings to average equity (ytd only) | 5.2793% | 2,519 |
| Net charge-offs to loans | 0.9759% | 1,122 |
| Credit loss provision to net charge-offs | 15.9484% | 5,329 |
| Earnings coverage of net charge-offs (x) | 2.3967% | 4,211 |
| Efficiency ratio | 69.4245% | 3,908 |
| Assets per employee ($millions) | 4.8039% | 2,488 |
| Cash dividends to net income (ytd only)* | 33.7853% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4973% | 1,134 |
| Loan loss allowance to noncurrent loans | 112.2797% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 3.6841% | 1,207 |
| Noncurrent loans to loans | 2.2242% | 2,437 |
| Net loans and leases to total assets | 56.3385% | 4,229 |
| Net loans and leases to deposits | 66.2025% | 4,254 |
| Net loans and leases to core deposits | 71.7505% | 4,075 |
| Total domestic deposits to total assets | 85.1002% | 3,815 |
| Equity capital to assets | 11.8468% | 2,147 |
| Core capital (leverage) ratio | 11.0558% | 2,212 |
| Tier 1 risk-based capital ratio | 15.1812% | 3,624 |
| Total risk-based capital ratio | 16.4473% | 3,560 |
| Memoranda: | ||
| Average total assets | $2,310,693,600 | 316 |
| Average earning assets | $2,042,039,600 | 313 |
| Average equity | $278,429,200 | 287 |
| Average total loans | $1,381,386,000 | 324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 2,923 |
| Cost of funding earning assets | 0.2967% | 6,633 |
| Net interest margin | 4.3742% | 1,265 |
| Noninterest income to average assets | 0.7903% | 2,278 |
| Noninterest expense to average assets | 3.2492% | 2,426 |
| Loan and lease loss provision to assets | 0.0674% | 4,840 |
| Net operating income to assets | 0.9929% | 2,544 |
| Return on assets (ROA) | 0.9860% | 2,806 |
| Pretax return on assets | 1.3420% | 2,440 |
| Return on Equity (ROE) | 8.1474% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.1474% | 1,557 |
| Net charge-offs to loans | 0.8169% | 1,341 |
| Credit loss provision to net charge-offs | 13.6912% | 5,035 |
| Earnings coverage of net charge-offs (x) | 2.8866% | 3,886 |
| Efficiency ratio | 69.1106% | 3,862 |
| Assets per employee ($millions) | 4.7743% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7525% | 931 |
| Loan loss allowance to noncurrent loans | 91.6710% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 3.0506% | 1,706 |
| Noncurrent loans to loans | 3.0026% | 1,862 |
| Net loans and leases to total assets | 57.9708% | 4,142 |
| Net loans and leases to deposits | 68.4694% | 4,103 |
| Net loans and leases to core deposits | 75.1056% | 3,836 |
| Total domestic deposits to total assets | 84.6668% | 3,907 |
| Equity capital to assets | 12.1682% | 2,136 |
| Core capital (leverage) ratio | 11.0229% | 2,359 |
| Tier 1 risk-based capital ratio | 15.0891% | 3,786 |
| Total risk-based capital ratio | 16.3586% | 3,722 |
| Memoranda: | ||
| Average total assets | $2,289,078,000 | 316 |
| Average earning assets | $2,030,961,750 | 317 |
| Average equity | $277,039,750 | 292 |
| Average total loans | $1,380,454,500 | 325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,817 |
| Cost of funding earning assets | 0.3134% | 6,673 |
| Net interest margin | 4.4127% | 1,169 |
| Noninterest income to average assets | 0.7880% | 2,240 |
| Noninterest expense to average assets | 3.3367% | 2,196 |
| Loan and lease loss provision to assets | 0.2755% | 2,383 |
| Net operating income to assets | 0.8353% | 3,217 |
| Return on assets (ROA) | 0.8178% | 3,572 |
| Pretax return on assets | 1.0578% | 3,475 |
| Return on Equity (ROE) | 6.7699% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.7699% | 2,236 |
| Net charge-offs to loans | 1.4037% | 729 |
| Credit loss provision to net charge-offs | 32.4201% | 4,397 |
| Earnings coverage of net charge-offs (x) | 1.5981% | 4,198 |
| Efficiency ratio | 70.6213% | 3,667 |
| Assets per employee ($millions) | 4.6779% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8407% | 909 |
| Loan loss allowance to noncurrent loans | 67.5176% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 3.5721% | 1,484 |
| Noncurrent loans to loans | 4.2073% | 1,297 |
| Net loans and leases to total assets | 59.2870% | 3,946 |
| Net loans and leases to deposits | 69.9786% | 3,896 |
| Net loans and leases to core deposits | 77.2250% | 3,626 |
| Total domestic deposits to total assets | 84.7216% | 3,988 |
| Equity capital to assets | 12.2629% | 1,960 |
| Core capital (leverage) ratio | 10.7222% | 2,578 |
| Tier 1 risk-based capital ratio | 14.6649% | 3,983 |
| Total risk-based capital ratio | 15.9339% | 3,940 |
| Memoranda: | ||
| Average total assets | $2,267,521,670 | 317 |
| Average earning assets | $2,007,610,670 | 316 |
| Average equity | $273,916,670 | 294 |
| Average total loans | $1,372,903,330 | 325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 2,717 |
| Cost of funding earning assets | 0.3306% | 6,726 |
| Net interest margin | 4.4489% | 1,113 |
| Noninterest income to average assets | 0.7832% | 2,246 |
| Noninterest expense to average assets | 3.3934% | 2,024 |
| Loan and lease loss provision to assets | 0.3407% | 1,835 |
| Net operating income to assets | 0.7731% | 3,514 |
| Return on assets (ROA) | 0.7818% | 3,708 |
| Pretax return on assets | 0.9900% | 3,705 |
| Return on Equity (ROE) | 6.5214% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.5214% | 2,674 |
| Net charge-offs to loans | 1.3446% | 757 |
| Credit loss provision to net charge-offs | 42.0170% | 3,424 |
| Earnings coverage of net charge-offs (x) | 1.6299% | 3,507 |
| Efficiency ratio | 71.5217% | 3,528 |
| Assets per employee ($millions) | 4.5818% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1823% | 695 |
| Loan loss allowance to noncurrent loans | 71.6576% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 3.6700% | 1,549 |
| Noncurrent loans to loans | 4.4410% | 1,326 |
| Net loans and leases to total assets | 57.9120% | 4,050 |
| Net loans and leases to deposits | 68.1469% | 4,034 |
| Net loans and leases to core deposits | 76.5993% | 3,539 |
| Total domestic deposits to total assets | 84.9811% | 4,049 |
| Equity capital to assets | 12.0300% | 2,018 |
| Core capital (leverage) ratio | 10.5032% | 2,748 |
| Tier 1 risk-based capital ratio | 14.5072% | 4,100 |
| Total risk-based capital ratio | 15.7849% | 4,035 |
| Memoranda: | ||
| Average total assets | $2,264,542,000 | 313 |
| Average earning assets | $2,001,403,500 | 312 |
| Average equity | $271,477,500 | 293 |
| Average total loans | $1,365,711,500 | 325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 2,295 |
| Cost of funding earning assets | 0.4743% | 6,639 |
| Net interest margin | 4.6646% | 808 |
| Noninterest income to average assets | 0.8553% | 1,826 |
| Noninterest expense to average assets | 3.4979% | 1,989 |
| Loan and lease loss provision to assets | 0.7372% | 1,379 |
| Net operating income to assets | 0.6017% | 3,992 |
| Return on assets (ROA) | 0.5878% | 4,245 |
| Pretax return on assets | 0.7081% | 4,298 |
| Return on Equity (ROE) | 5.1463% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.1463% | 2,536 |
| Net charge-offs to loans | 2.3628% | 518 |
| Credit loss provision to net charge-offs | 48.8482% | 5,446 |
| Earnings coverage of net charge-offs (x) | 0.9699% | 5,071 |
| Efficiency ratio | 69.9601% | 3,969 |
| Assets per employee ($millions) | 4.5771% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3468% | 598 |
| Loan loss allowance to noncurrent loans | 75.5740% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 3.7067% | 1,582 |
| Noncurrent loans to loans | 4.4286% | 1,355 |
| Net loans and leases to total assets | 58.7699% | 4,232 |
| Net loans and leases to deposits | 69.1182% | 4,256 |
| Net loans and leases to core deposits | 79.0418% | 3,570 |
| Total domestic deposits to total assets | 85.0281% | 3,827 |
| Equity capital to assets | 11.9461% | 2,168 |
| Core capital (leverage) ratio | 10.3625% | 2,893 |
| Tier 1 risk-based capital ratio | 13.8326% | 4,456 |
| Total risk-based capital ratio | 15.1106% | 4,390 |
| Memoranda: | ||
| Average total assets | $2,304,016,800 | 302 |
| Average earning assets | $2,028,277,400 | 305 |
| Average equity | $263,143,000 | 295 |
| Average total loans | $1,471,608,400 | 306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 2,124 |
| Cost of funding earning assets | 0.5048% | 6,677 |
| Net interest margin | 4.7171% | 737 |
| Noninterest income to average assets | 0.7629% | 2,243 |
| Noninterest expense to average assets | 3.4294% | 2,118 |
| Loan and lease loss provision to assets | 0.6459% | 1,524 |
| Net operating income to assets | 0.6970% | 3,633 |
| Return on assets (ROA) | 0.6757% | 3,915 |
| Pretax return on assets | 0.8161% | 4,063 |
| Return on Equity (ROE) | 5.9834% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.9834% | 2,564 |
| Net charge-offs to loans | 2.3437% | 490 |
| Credit loss provision to net charge-offs | 42.6481% | 5,188 |
| Earnings coverage of net charge-offs (x) | 0.9834% | 4,895 |
| Efficiency ratio | 69.1820% | 4,097 |
| Assets per employee ($millions) | 4.6157% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4288% | 598 |
| Loan loss allowance to noncurrent loans | 56.4835% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 4.5732% | 1,305 |
| Noncurrent loans to loans | 6.0705% | 914 |
| Net loans and leases to total assets | 59.9360% | 4,141 |
| Net loans and leases to deposits | 70.1958% | 4,265 |
| Net loans and leases to core deposits | 82.1218% | 3,313 |
| Total domestic deposits to total assets | 85.3840% | 3,566 |
| Equity capital to assets | 11.7173% | 2,479 |
| Core capital (leverage) ratio | 10.2394% | 3,143 |
| Tier 1 risk-based capital ratio | 13.4688% | 4,759 |
| Total risk-based capital ratio | 14.7462% | 4,706 |
| Memoranda: | ||
| Average total assets | $2,315,892,750 | 304 |
| Average earning assets | $2,040,357,000 | 306 |
| Average equity | $261,537,500 | 299 |
| Average total loans | $1,496,492,500 | 304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 2,207 |
| Cost of funding earning assets | 0.5348% | 6,725 |
| Net interest margin | 4.6793% | 767 |
| Noninterest income to average assets | 0.7750% | 2,133 |
| Noninterest expense to average assets | 3.4657% | 2,077 |
| Loan and lease loss provision to assets | 0.6428% | 1,490 |
| Net operating income to assets | 0.6754% | 3,667 |
| Return on assets (ROA) | 0.6376% | 3,997 |
| Pretax return on assets | 0.7442% | 4,234 |
| Return on Equity (ROE) | 5.7161% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.7161% | 2,584 |
| Net charge-offs to loans | 2.2521% | 568 |
| Credit loss provision to net charge-offs | 43.6078% | 4,746 |
| Earnings coverage of net charge-offs (x) | 0.9715% | 4,568 |
| Efficiency ratio | 70.2206% | 4,071 |
| Assets per employee ($millions) | 4.5957% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6685% | 523 |
| Loan loss allowance to noncurrent loans | 63.4171% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 4.9999% | 1,229 |
| Noncurrent loans to loans | 5.7848% | 1,058 |
| Net loans and leases to total assets | 62.5034% | 3,791 |
| Net loans and leases to deposits | 73.1111% | 3,929 |
| Net loans and leases to core deposits | 86.8599% | 2,778 |
| Total domestic deposits to total assets | 85.4909% | 3,631 |
| Equity capital to assets | 11.6029% | 2,408 |
| Core capital (leverage) ratio | 9.9492% | 3,325 |
| Tier 1 risk-based capital ratio | 12.7995% | 5,095 |
| Total risk-based capital ratio | 14.0821% | 5,041 |
| Memoranda: | ||
| Average total assets | $2,326,271,670 | 308 |
| Average earning assets | $2,049,652,000 | 310 |
| Average equity | $259,479,330 | 298 |
| Average total loans | $1,522,652,670 | 306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 2,418 |
| Cost of funding earning assets | 0.5554% | 6,784 |
| Net interest margin | 4.5979% | 864 |
| Noninterest income to average assets | 1.0327% | 1,232 |
| Noninterest expense to average assets | 3.4232% | 2,216 |
| Loan and lease loss provision to assets | 0.8361% | 994 |
| Net operating income to assets | 0.7081% | 3,488 |
| Return on assets (ROA) | 0.6339% | 3,912 |
| Pretax return on assets | 0.7444% | 4,124 |
| Return on Equity (ROE) | 5.7955% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.7955% | 2,757 |
| Net charge-offs to loans | 2.0545% | 618 |
| Credit loss provision to net charge-offs | 61.9149% | 3,512 |
| Earnings coverage of net charge-offs (x) | 1.2359% | 3,745 |
| Efficiency ratio | 66.7112% | 4,909 |
| Assets per employee ($millions) | 4.7173% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0158% | 416 |
| Loan loss allowance to noncurrent loans | 65.9963% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 5.0680% | 1,238 |
| Noncurrent loans to loans | 6.0849% | 1,033 |
| Net loans and leases to total assets | 62.1123% | 3,831 |
| Net loans and leases to deposits | 72.2988% | 4,026 |
| Net loans and leases to core deposits | 85.7796% | 2,903 |
| Total domestic deposits to total assets | 85.9106% | 3,573 |
| Equity capital to assets | 11.1067% | 2,580 |
| Core capital (leverage) ratio | 9.9465% | 3,204 |
| Tier 1 risk-based capital ratio | 12.7291% | 5,034 |
| Total risk-based capital ratio | 14.0138% | 4,980 |
| Memoranda: | ||
| Average total assets | $2,354,266,000 | 305 |
| Average earning assets | $2,078,581,500 | 308 |
| Average equity | $257,509,500 | 296 |
| Average total loans | $1,547,458,000 | 300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 2,200 |
| Cost of funding earning assets | 0.7729% | 6,674 |
| Net interest margin | 4.7479% | 735 |
| Noninterest income to average assets | 0.6299% | 3,286 |
| Noninterest expense to average assets | 3.3920% | 2,458 |
| Loan and lease loss provision to assets | 4.7334% | 88 |
| Net operating income to assets | -1.8986% | 7,033 |
| Return on assets (ROA) | -1.9158% | 7,048 |
| Pretax return on assets | -3.3362% | 7,345 |
| Return on Equity (ROE) | -17.4213% | 6,986 |
| Retained earnings to average equity (ytd only) | -17.4213% | 6,953 |
| Net charge-offs to loans | 5.0730% | 170 |
| Credit loss provision to net charge-offs | 133.2039% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 5,705 |
| Efficiency ratio | 69.7912% | 4,220 |
| Assets per employee ($millions) | 4.6906% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0223% | 392 |
| Loan loss allowance to noncurrent loans | 58.1681% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 5.6027% | 1,097 |
| Noncurrent loans to loans | 6.9150% | 822 |
| Net loans and leases to total assets | 64.0482% | 3,863 |
| Net loans and leases to deposits | 74.3806% | 4,132 |
| Net loans and leases to core deposits | 88.4340% | 2,992 |
| Total domestic deposits to total assets | 86.1088% | 3,302 |
| Equity capital to assets | 10.7720% | 2,882 |
| Core capital (leverage) ratio | 9.3858% | 3,871 |
| Tier 1 risk-based capital ratio | 11.8784% | 5,593 |
| Total risk-based capital ratio | 13.1615% | 5,538 |
| Memoranda: | ||
| Average total assets | $2,514,976,600 | 286 |
| Average earning assets | $2,219,727,600 | 288 |
| Average equity | $276,564,200 | 271 |
| Average total loans | $1,761,651,200 | 272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 2,231 |
| Cost of funding earning assets | 0.8206% | 6,688 |
| Net interest margin | 4.7354% | 772 |
| Noninterest income to average assets | 0.6159% | 3,347 |
| Noninterest expense to average assets | 3.3261% | 2,495 |
| Loan and lease loss provision to assets | 4.8164% | 102 |
| Net operating income to assets | -1.9540% | 7,229 |
| Return on assets (ROA) | -1.9706% | 7,249 |
| Pretax return on assets | -3.3783% | 7,482 |
| Return on Equity (ROE) | -17.8347% | 7,177 |
| Retained earnings to average equity (ytd only) | -17.8347% | 7,158 |
| Net charge-offs to loans | 4.2716% | 262 |
| Credit loss provision to net charge-offs | 159.2175% | 2,386 |
| Earnings coverage of net charge-offs (x) | 0.4854% | 5,538 |
| Efficiency ratio | 68.8068% | 4,311 |
| Assets per employee ($millions) | 4.7697% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0577% | 352 |
| Loan loss allowance to noncurrent loans | 51.6962% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 6.2835% | 921 |
| Noncurrent loans to loans | 7.8492% | 675 |
| Net loans and leases to total assets | 66.6489% | 3,537 |
| Net loans and leases to deposits | 77.5991% | 3,904 |
| Net loans and leases to core deposits | 92.7433% | 2,693 |
| Total domestic deposits to total assets | 85.8887% | 3,138 |
| Equity capital to assets | 10.9869% | 2,974 |
| Core capital (leverage) ratio | 9.4556% | 3,971 |
| Tier 1 risk-based capital ratio | 11.8824% | 5,569 |
| Total risk-based capital ratio | 13.1649% | 5,516 |
| Memoranda: | ||
| Average total assets | $2,550,354,750 | 277 |
| Average earning assets | $2,250,353,500 | 282 |
| Average equity | $281,788,000 | 264 |
| Average total loans | $1,806,096,500 | 267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 2,092 |
| Cost of funding earning assets | 0.8728% | 6,677 |
| Net interest margin | 4.7394% | 745 |
| Noninterest income to average assets | 0.4823% | 4,265 |
| Noninterest expense to average assets | 3.3075% | 2,541 |
| Loan and lease loss provision to assets | 4.8849% | 111 |
| Net operating income to assets | -2.0652% | 7,324 |
| Return on assets (ROA) | -2.0855% | 7,337 |
| Pretax return on assets | -3.5747% | 7,556 |
| Return on Equity (ROE) | -18.8425% | 7,250 |
| Retained earnings to average equity (ytd only) | -18.8425% | 7,225 |
| Net charge-offs to loans | 4.0286% | 317 |
| Credit loss provision to net charge-offs | 170.2137% | 2,297 |
| Earnings coverage of net charge-offs (x) | 0.4690% | 5,247 |
| Efficiency ratio | 70.4996% | 4,090 |
| Assets per employee ($millions) | 4.7133% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4591% | 561 |
| Loan loss allowance to noncurrent loans | 69.7683% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 4.6198% | 1,418 |
| Noncurrent loans to loans | 4.9580% | 1,399 |
| Net loans and leases to total assets | 67.9786% | 3,367 |
| Net loans and leases to deposits | 79.1686% | 3,763 |
| Net loans and leases to core deposits | 96.7102% | 2,358 |
| Total domestic deposits to total assets | 85.8656% | 3,171 |
| Equity capital to assets | 11.2136% | 2,681 |
| Core capital (leverage) ratio | 9.9784% | 3,186 |
| Tier 1 risk-based capital ratio | 12.7827% | 4,621 |
| Total risk-based capital ratio | 14.0569% | 4,565 |
| Memoranda: | ||
| Average total assets | $2,592,802,330 | 274 |
| Average earning assets | $2,281,994,670 | 276 |
| Average equity | $286,979,000 | 261 |
| Average total loans | $1,847,058,670 | 261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 2,348 |
| Cost of funding earning assets | 0.9451% | 6,598 |
| Net interest margin | 4.6090% | 934 |
| Noninterest income to average assets | 0.3820% | 5,079 |
| Noninterest expense to average assets | 3.1493% | 3,058 |
| Loan and lease loss provision to assets | 7.1940% | 82 |
| Net operating income to assets | -3.5437% | 7,686 |
| Return on assets (ROA) | -3.5845% | 7,690 |
| Pretax return on assets | -5.9841% | 7,802 |
| Return on Equity (ROE) | -32.5844% | 7,602 |
| Retained earnings to average equity (ytd only) | -32.5844% | 7,580 |
| Net charge-offs to loans | 5.4038% | 212 |
| Credit loss provision to net charge-offs | 185.8812% | 1,970 |
| Earnings coverage of net charge-offs (x) | 0.3303% | 4,745 |
| Efficiency ratio | 70.5330% | 4,211 |
| Assets per employee ($millions) | 5.0918% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0583% | 778 |
| Loan loss allowance to noncurrent loans | 64.9705% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 4.3479% | 1,563 |
| Noncurrent loans to loans | 4.7072% | 1,570 |
| Net loans and leases to total assets | 67.2779% | 3,553 |
| Net loans and leases to deposits | 77.8767% | 4,069 |
| Net loans and leases to core deposits | 97.5943% | 2,388 |
| Total domestic deposits to total assets | 86.3903% | 2,944 |
| Equity capital to assets | 10.6000% | 3,144 |
| Core capital (leverage) ratio | 9.9140% | 3,270 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,786 |
| Total risk-based capital ratio | 13.7264% | 4,724 |
| Memoranda: | ||
| Average total assets | $2,654,312,500 | 280 |
| Average earning assets | $2,329,970,500 | 282 |
| Average equity | $291,992,500 | 260 |
| Average total loans | $1,901,048,000 | 264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9649% | 2,008 |
| Cost of funding earning assets | 1.2625% | 6,427 |
| Net interest margin | 4.7024% | 828 |
| Noninterest income to average assets | 0.8648% | 2,112 |
| Noninterest expense to average assets | 3.0993% | 3,748 |
| Loan and lease loss provision to assets | 1.1796% | 1,955 |
| Net operating income to assets | 0.8788% | 2,247 |
| Return on assets (ROA) | 0.1020% | 5,255 |
| Pretax return on assets | 0.0187% | 5,394 |
| Return on Equity (ROE) | 0.9160% | 5,254 |
| Retained earnings to average equity (ytd only) | -4.2259% | 5,904 |
| Net charge-offs to loans | 0.9353% | 2,525 |
| Credit loss provision to net charge-offs | 167.3957% | 2,580 |
| Earnings coverage of net charge-offs (x) | 2.8028% | 3,691 |
| Efficiency ratio | 60.5088% | 6,408 |
| Assets per employee ($millions) | 5.1170% | 2,060 |
| Cash dividends to net income (ytd only)* | 561.3530% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 2,788 |
| Loan loss allowance to noncurrent loans | 28.7115% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 5.2040% | 1,151 |
| Noncurrent loans to loans | 6.0230% | 1,044 |
| Net loans and leases to total assets | 72.5458% | 2,622 |
| Net loans and leases to deposits | 84.4913% | 3,183 |
| Net loans and leases to core deposits | 103.6876% | 3,604 |
| Total domestic deposits to total assets | 85.8618% | 3,080 |
| Equity capital to assets | 11.3979% | 2,394 |
| Core capital (leverage) ratio | 10.7934% | 2,349 |
| Tier 1 risk-based capital ratio | 12.8740% | 4,227 |
| Total risk-based capital ratio | 14.1335% | 4,176 |
| Memoranda: | ||
| Average total assets | $2,725,015,400 | 273 |
| Average earning assets | $2,439,466,400 | 273 |
| Average equity | $303,391,800 | 248 |
| Average total loans | $2,053,231,800 | 255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 1,992 |
| Cost of funding earning assets | 1.3316% | 6,464 |
| Net interest margin | 4.6793% | 870 |
| Noninterest income to average assets | 0.9623% | 1,733 |
| Noninterest expense to average assets | 2.9636% | 4,190 |
| Loan and lease loss provision to assets | 0.6715% | 2,726 |
| Net operating income to assets | 1.2982% | 1,222 |
| Return on assets (ROA) | 0.4352% | 4,357 |
| Pretax return on assets | 0.5112% | 4,487 |
| Return on Equity (ROE) | 3.9312% | 4,398 |
| Retained earnings to average equity (ytd only) | -2.9271% | 5,923 |
| Net charge-offs to loans | 0.4183% | 3,593 |
| Credit loss provision to net charge-offs | 212.0160% | 2,071 |
| Earnings coverage of net charge-offs (x) | 6.9438% | 2,510 |
| Efficiency ratio | 56.8481% | 6,888 |
| Assets per employee ($millions) | 5.2996% | 1,786 |
| Cash dividends to net income (ytd only)* | 174.4576% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,991 |
| Loan loss allowance to noncurrent loans | 36.8674% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 3.8180% | 1,692 |
| Noncurrent loans to loans | 3.7780% | 1,970 |
| Net loans and leases to total assets | 74.4868% | 2,388 |
| Net loans and leases to deposits | 86.6489% | 3,201 |
| Net loans and leases to core deposits | 103.8781% | 3,952 |
| Total domestic deposits to total assets | 85.9639% | 2,718 |
| Equity capital to assets | 11.4910% | 2,592 |
| Core capital (leverage) ratio | 10.6775% | 2,647 |
| Tier 1 risk-based capital ratio | 12.7479% | 4,350 |
| Total risk-based capital ratio | 13.9892% | 4,309 |
| Memoranda: | ||
| Average total assets | $2,739,775,750 | 281 |
| Average earning assets | $2,459,417,000 | 281 |
| Average equity | $303,273,750 | 256 |
| Average total loans | $2,074,518,250 | 264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0775% | 1,863 |
| Cost of funding earning assets | 1.3977% | 6,486 |
| Net interest margin | 4.6798% | 830 |
| Noninterest income to average assets | 1.0397% | 1,468 |
| Noninterest expense to average assets | 3.0028% | 4,073 |
| Loan and lease loss provision to assets | 0.8973% | 1,883 |
| Net operating income to assets | 0.7345% | 3,117 |
| Return on assets (ROA) | 0.7402% | 3,192 |
| Pretax return on assets | 1.3582% | 1,838 |
| Return on Equity (ROE) | 6.7712% | 3,297 |
| Retained earnings to average equity (ytd only) | 1.7220% | 4,384 |
| Net charge-offs to loans | 0.4643% | 2,969 |
| Credit loss provision to net charge-offs | 255.0052% | 1,827 |
| Earnings coverage of net charge-offs (x) | 6.3940% | 2,628 |
| Efficiency ratio | 56.6236% | 7,035 |
| Assets per employee ($millions) | 5.4742% | 1,602 |
| Cash dividends to net income (ytd only)* | 74.5683% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 3,825 |
| Loan loss allowance to noncurrent loans | 73.9490% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.9670% | 3,236 |
| Noncurrent loans to loans | 1.8694% | 3,703 |
| Net loans and leases to total assets | 73.2263% | 2,903 |
| Net loans and leases to deposits | 85.0313% | 3,724 |
| Net loans and leases to core deposits | 100.7686% | 4,427 |
| Total domestic deposits to total assets | 86.1169% | 2,727 |
| Equity capital to assets | 11.4565% | 2,569 |
| Core capital (leverage) ratio | 10.9499% | 2,446 |
| Tier 1 risk-based capital ratio | 11.8741% | 5,021 |
| Total risk-based capital ratio | 13.0041% | 5,066 |
| Memoranda: | ||
| Average total assets | $2,753,862,330 | 286 |
| Average earning assets | $2,479,106,000 | 286 |
| Average equity | $301,041,330 | 260 |
| Average total loans | $2,086,799,670 | 271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0933% | 1,968 |
| Cost of funding earning assets | 1.4989% | 6,401 |
| Net interest margin | 4.5944% | 948 |
| Noninterest income to average assets | 0.9766% | 1,556 |
| Noninterest expense to average assets | 2.8762% | 4,245 |
| Loan and lease loss provision to assets | 0.4414% | 2,719 |
| Net operating income to assets | 1.1989% | 1,655 |
| Return on assets (ROA) | 1.2047% | 1,755 |
| Pretax return on assets | 1.8153% | 948 |
| Return on Equity (ROE) | 11.2964% | 1,885 |
| Retained earnings to average equity (ytd only) | 0.8837% | 5,303 |
| Net charge-offs to loans | 0.6560% | 1,873 |
| Credit loss provision to net charge-offs | 87.8964% | 4,045 |
| Earnings coverage of net charge-offs (x) | 4.4821% | 2,874 |
| Efficiency ratio | 55.5372% | 7,028 |
| Assets per employee ($millions) | 5.3611% | 1,686 |
| Cash dividends to net income (ytd only)* | 92.1771% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,256 |
| Loan loss allowance to noncurrent loans | 64.6246% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 3,241 |
| Noncurrent loans to loans | 1.5333% | 3,980 |
| Net loans and leases to total assets | 73.9652% | 2,767 |
| Net loans and leases to deposits | 86.0212% | 3,629 |
| Net loans and leases to core deposits | 99.2726% | 4,612 |
| Total domestic deposits to total assets | 85.9848% | 2,736 |
| Equity capital to assets | 11.3592% | 2,683 |
| Core capital (leverage) ratio | 11.1171% | 2,412 |
| Tier 1 risk-based capital ratio | 12.0822% | 4,894 |
| Total risk-based capital ratio | 12.9193% | 5,150 |
| Memoranda: | ||
| Average total assets | $2,737,605,000 | 289 |
| Average earning assets | $2,473,094,000 | 287 |
| Average equity | $291,951,500 | 269 |
| Average total loans | $2,095,717,500 | 270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7211% | 1,952 |
| Cost of funding earning assets | 1.7407% | 7,158 |
| Net interest margin | 4.9803% | 535 |
| Noninterest income to average assets | 1.1236% | 1,236 |
| Noninterest expense to average assets | 3.2755% | 3,053 |
| Loan and lease loss provision to assets | 0.3310% | 3,742 |
| Net operating income to assets | 1.3666% | 1,306 |
| Return on assets (ROA) | 1.3666% | 1,262 |
| Pretax return on assets | 2.0397% | 547 |
| Return on Equity (ROE) | 14.0558% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.5249% | 518 |
| Net charge-offs to loans | 0.0756% | 5,678 |
| Credit loss provision to net charge-offs | 563.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 40.3233% | 921 |
| Efficiency ratio | 57.3972% | 6,801 |
| Assets per employee ($millions) | 5.0894% | 1,853 |
| Cash dividends to net income (ytd only)* | 32.2348% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,036 |
| Loan loss allowance to noncurrent loans | 62.7775% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 3,117 |
| Noncurrent loans to loans | 1.5962% | 3,376 |
| Net loans and leases to total assets | 77.6905% | 2,221 |
| Net loans and leases to deposits | 88.6730% | 3,690 |
| Net loans and leases to core deposits | 99.6515% | 4,856 |
| Total domestic deposits to total assets | 87.6146% | 1,666 |
| Equity capital to assets | 9.9411% | 4,109 |
| Core capital (leverage) ratio | 9.3771% | 4,191 |
| Tier 1 risk-based capital ratio | 10.5777% | 6,128 |
| Total risk-based capital ratio | 11.4786% | 6,354 |
| Memoranda: | ||
| Average total assets | $2,551,371,000 | 297 |
| Average earning assets | $2,316,867,600 | 294 |
| Average equity | $248,054,600 | 308 |
| Average total loans | $1,985,331,600 | 275 |