Home > Amboy Bank > Performance and Condition Ratios
Amboy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 1,676 |
| Cost of funding earning assets | 1.6083% | 1,669 |
| Net interest margin | 3.5849% | 1,997 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 1.6510% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3599% | 278 |
| Return on assets (ROA) | 2.3605% | 272 |
| Pretax return on assets | 2.3605% | 398 |
| Return on Equity (ROE) | 19.9800% | 621 |
| Retained earnings to average equity (ytd only) | 6.1935% | 2,178 |
| Net charge-offs to loans | -0.0514% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.1623% | 4,339 |
| Assets per employee ($millions) | 11.7274% | 441 |
| Cash dividends to net income (ytd only)* | 68.9947% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 760 |
| Loan loss allowance to noncurrent loans | 578.5285% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 1,946 |
| Noncurrent loans to loans | 0.2852% | 2,160 |
| Net loans and leases to total assets | 65.1800% | 2,348 |
| Net loans and leases to deposits | 78.2594% | 2,240 |
| Net loans and leases to core deposits | 89.9017% | 2,055 |
| Total domestic deposits to total assets | 83.2900% | 2,809 |
| Equity capital to assets | 12.5491% | 978 |
| Core capital (leverage) ratio | 12.5827% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4866% | 1,183 |
| Memoranda: | ||
| Average total assets | $2,642,231,800 | 443 |
| Average earning assets | $2,443,218,800 | 433 |
| Average equity | $312,230,200 | 386 |
| Average total loans | $1,675,190,000 | 476 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 1,717 |
| Cost of funding earning assets | 1.4917% | 1,633 |
| Net interest margin | 3.5649% | 2,077 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.4043% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4154% | 288 |
| Return on assets (ROA) | 2.4136% | 283 |
| Pretax return on assets | 2.4136% | 419 |
| Return on Equity (ROE) | 20.7500% | 656 |
| Retained earnings to average equity (ytd only) | 2.6761% | 3,589 |
| Net charge-offs to loans | -0.0529% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.7652% | 4,431 |
| Assets per employee ($millions) | 11.7568% | 400 |
| Cash dividends to net income (ytd only)* | 87.1005% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 751 |
| Loan loss allowance to noncurrent loans | 603.6023% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,051 |
| Noncurrent loans to loans | 0.2771% | 2,245 |
| Net loans and leases to total assets | 62.8400% | 2,579 |
| Net loans and leases to deposits | 74.8427% | 2,503 |
| Net loans and leases to core deposits | 86.0639% | 2,185 |
| Total domestic deposits to total assets | 83.9600% | 2,787 |
| Equity capital to assets | 11.5839% | 1,157 |
| Core capital (leverage) ratio | 12.1612% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9381% | 1,339 |
| Memoranda: | ||
| Average total assets | $2,643,123,000 | 441 |
| Average earning assets | $2,442,945,250 | 430 |
| Average equity | $307,505,250 | 388 |
| Average total loans | $1,656,788,250 | 480 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 1,651 |
| Cost of funding earning assets | 1.3369% | 1,617 |
| Net interest margin | 3.6132% | 2,010 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 1.4073% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7185% | 195 |
| Return on assets (ROA) | 2.7185% | 194 |
| Pretax return on assets | 2.7185% | 280 |
| Return on Equity (ROE) | 23.3300% | 467 |
| Retained earnings to average equity (ytd only) | -3.0016% | 4,344 |
| Net charge-offs to loans | -0.0692% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 34.1091% | 4,504 |
| Assets per employee ($millions) | 11.3926% | 455 |
| Cash dividends to net income (ytd only)* | 112.8646% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 740 |
| Loan loss allowance to noncurrent loans | 592.8394% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 1,757 |
| Noncurrent loans to loans | 0.2881% | 2,107 |
| Net loans and leases to total assets | 63.8500% | 2,400 |
| Net loans and leases to deposits | 75.6750% | 2,343 |
| Net loans and leases to core deposits | 84.2559% | 2,194 |
| Total domestic deposits to total assets | 84.3800% | 2,731 |
| Equity capital to assets | 11.7905% | 1,109 |
| Core capital (leverage) ratio | 11.9096% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8325% | 1,352 |
| Memoranda: | ||
| Average total assets | $2,630,651,000 | 431 |
| Average earning assets | $2,429,411,667 | 422 |
| Average equity | $306,503,667 | 377 |
| Average total loans | $1,638,002,333 | 468 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,729 |
| Cost of funding earning assets | 1.1355% | 1,647 |
| Net interest margin | 3.6179% | 2,086 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 1.3490% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7978% | 182 |
| Return on assets (ROA) | 2.8006% | 180 |
| Pretax return on assets | 2.8006% | 249 |
| Return on Equity (ROE) | 24.1800% | 447 |
| Retained earnings to average equity (ytd only) | -3.2692% | 4,250 |
| Net charge-offs to loans | -0.1140% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 32.5303% | 4,587 |
| Assets per employee ($millions) | 12.2490% | 372 |
| Cash dividends to net income (ytd only)* | 113.5221% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 759 |
| Loan loss allowance to noncurrent loans | 369.4405% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 1,371 |
| Noncurrent loans to loans | 0.4683% | 1,546 |
| Net loans and leases to total assets | 61.3800% | 2,524 |
| Net loans and leases to deposits | 73.4850% | 2,336 |
| Net loans and leases to core deposits | 81.5869% | 2,140 |
| Total domestic deposits to total assets | 83.5300% | 3,190 |
| Equity capital to assets | 11.7265% | 1,083 |
| Core capital (leverage) ratio | 11.7242% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1657% | 1,335 |
| Memoranda: | ||
| Average total assets | $2,658,617,000 | 442 |
| Average earning assets | $2,457,132,000 | 430 |
| Average equity | $307,969,000 | 386 |
| Average total loans | $1,620,718,500 | 481 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 2,800 |
| Cost of funding earning assets | 0.4078% | 2,026 |
| Net interest margin | 3.1930% | 2,881 |
| Noninterest income to average assets | -0.0200% | 4,692 |
| Noninterest expense to average assets | 1.3197% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6225% | 649 |
| Return on assets (ROA) | 1.6173% | 634 |
| Pretax return on assets | 1.6173% | 1,120 |
| Return on Equity (ROE) | 15.1200% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.9924% | 2,248 |
| Net charge-offs to loans | 0.2323% | 339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 12.4027% | 2,112 |
| Efficiency ratio | 44.8545% | 4,399 |
| Assets per employee ($millions) | 11.8225% | 410 |
| Cash dividends to net income (ytd only)* | 53.7487% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 724 |
| Loan loss allowance to noncurrent loans | 287.3153% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 1,012 |
| Noncurrent loans to loans | 0.6103% | 1,224 |
| Net loans and leases to total assets | 58.4500% | 2,780 |
| Net loans and leases to deposits | 66.9976% | 2,815 |
| Net loans and leases to core deposits | 73.2928% | 2,623 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 11.4438% | 1,102 |
| Core capital (leverage) ratio | 11.4926% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6229% | 1,205 |
| Memoranda: | ||
| Average total assets | $2,792,402,800 | 417 |
| Average earning assets | $2,592,747,800 | 402 |
| Average equity | $298,724,000 | 390 |
| Average total loans | $1,572,410,800 | 456 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 3,227 |
| Cost of funding earning assets | 0.2912% | 2,264 |
| Net interest margin | 2.9918% | 3,237 |
| Noninterest income to average assets | -0.2700% | 4,741 |
| Noninterest expense to average assets | 1.3707% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1384% | 1,936 |
| Return on assets (ROA) | 1.1304% | 1,937 |
| Pretax return on assets | 1.1304% | 2,629 |
| Return on Equity (ROE) | 10.7500% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.6128% | 2,882 |
| Net charge-offs to loans | -0.1498% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.6285% | 3,765 |
| Assets per employee ($millions) | 12.3918% | 344 |
| Cash dividends to net income (ytd only)* | 47.7663% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 417 |
| Loan loss allowance to noncurrent loans | 326.8023% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 1,070 |
| Noncurrent loans to loans | 0.6406% | 1,268 |
| Net loans and leases to total assets | 56.7900% | 2,825 |
| Net loans and leases to deposits | 65.2722% | 2,769 |
| Net loans and leases to core deposits | 71.6032% | 2,516 |
| Total domestic deposits to total assets | 87.0100% | 2,760 |
| Equity capital to assets | 10.8250% | 1,240 |
| Core capital (leverage) ratio | 10.9540% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2153% | 1,362 |
| Memoranda: | ||
| Average total assets | $2,819,577,000 | 413 |
| Average earning assets | $2,619,398,500 | 401 |
| Average equity | $296,625,500 | 391 |
| Average total loans | $1,566,375,250 | 455 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 3,754 |
| Cost of funding earning assets | 0.2042% | 2,861 |
| Net interest margin | 2.7046% | 3,692 |
| Noninterest income to average assets | -0.3963% | 4,765 |
| Noninterest expense to average assets | 1.3711% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7433% | 3,162 |
| Return on assets (ROA) | 0.7363% | 3,149 |
| Pretax return on assets | 0.7363% | 3,489 |
| Return on Equity (ROE) | 7.0653% | 3,295 |
| Retained earnings to average equity (ytd only) | 0.4388% | 4,102 |
| Net charge-offs to loans | -0.1971% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8464% | 2,657 |
| Assets per employee ($millions) | 12.9550% | 296 |
| Cash dividends to net income (ytd only)* | 93.7888% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 419 |
| Loan loss allowance to noncurrent loans | 220.9549% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 800 |
| Noncurrent loans to loans | 0.9638% | 865 |
| Net loans and leases to total assets | 54.2483% | 2,934 |
| Net loans and leases to deposits | 61.6452% | 2,917 |
| Net loans and leases to core deposits | 68.0779% | 2,647 |
| Total domestic deposits to total assets | 88.0009% | 2,577 |
| Equity capital to assets | 10.3389% | 1,513 |
| Core capital (leverage) ratio | 10.5286% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2016% | 1,387 |
| Memoranda: | ||
| Average total assets | $2,842,446,000 | 405 |
| Average earning assets | $2,638,651,667 | 400 |
| Average equity | $296,236,333 | 393 |
| Average total loans | $1,556,581,333 | 448 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7661% | 3,811 |
| Cost of funding earning assets | 0.2051% | 2,722 |
| Net interest margin | 2.5610% | 3,752 |
| Noninterest income to average assets | 0.1411% | 4,306 |
| Noninterest expense to average assets | 1.2778% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2359% | 1,152 |
| Return on assets (ROA) | 1.2278% | 1,157 |
| Pretax return on assets | 1.2278% | 1,708 |
| Return on Equity (ROE) | 11.7353% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.8840% | 1,047 |
| Net charge-offs to loans | -0.0905% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8324% | 4,270 |
| Assets per employee ($millions) | 12.8508% | 318 |
| Cash dividends to net income (ytd only)* | 15.7757% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 542 |
| Loan loss allowance to noncurrent loans | 202.4099% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 851 |
| Noncurrent loans to loans | 1.0272% | 881 |
| Net loans and leases to total assets | 53.3102% | 2,844 |
| Net loans and leases to deposits | 60.6799% | 2,836 |
| Net loans and leases to core deposits | 66.4943% | 2,582 |
| Total domestic deposits to total assets | 87.8548% | 2,590 |
| Equity capital to assets | 10.6375% | 1,526 |
| Core capital (leverage) ratio | 10.6626% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0925% | 1,236 |
| Memoranda: | ||
| Average total assets | $2,858,050,500 | 402 |
| Average earning assets | $2,647,875,500 | 402 |
| Average equity | $299,029,500 | 401 |
| Average total loans | $1,555,756,000 | 448 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 3,616 |
| Cost of funding earning assets | 0.2176% | 3,288 |
| Net interest margin | 2.9151% | 3,410 |
| Noninterest income to average assets | 0.9238% | 1,148 |
| Noninterest expense to average assets | 1.5111% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1068% | 282 |
| Return on assets (ROA) | 2.1054% | 299 |
| Pretax return on assets | 2.1054% | 490 |
| Return on Equity (ROE) | 16.0772% | 747 |
| Retained earnings to average equity (ytd only) | -18.8174% | 4,807 |
| Net charge-offs to loans | -0.0321% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7669% | 4,644 |
| Assets per employee ($millions) | 11.5557% | 444 |
| Cash dividends to net income (ytd only)* | 217.0440% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 591 |
| Loan loss allowance to noncurrent loans | 281.2494% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 1,290 |
| Noncurrent loans to loans | 0.7157% | 1,421 |
| Net loans and leases to total assets | 53.3309% | 2,932 |
| Net loans and leases to deposits | 60.6014% | 3,026 |
| Net loans and leases to core deposits | 67.4879% | 2,691 |
| Total domestic deposits to total assets | 88.0027% | 2,048 |
| Equity capital to assets | 10.2916% | 2,383 |
| Core capital (leverage) ratio | 10.5495% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9151% | 1,541 |
| Memoranda: | ||
| Average total assets | $2,716,998,800 | 404 |
| Average earning assets | $2,511,040,600 | 405 |
| Average equity | $355,814,200 | 352 |
| Average total loans | $1,639,198,000 | 429 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 3,640 |
| Cost of funding earning assets | 0.2261% | 3,362 |
| Net interest margin | 2.9535% | 3,433 |
| Noninterest income to average assets | 0.8628% | 1,338 |
| Noninterest expense to average assets | 1.3529% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2347% | 302 |
| Return on assets (ROA) | 2.2335% | 322 |
| Pretax return on assets | 2.2335% | 513 |
| Return on Equity (ROE) | 16.1225% | 926 |
| Retained earnings to average equity (ytd only) | 2.3453% | 4,096 |
| Net charge-offs to loans | -0.0129% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7107% | 4,778 |
| Assets per employee ($millions) | 11.4744% | 431 |
| Cash dividends to net income (ytd only)* | 85.4534% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 674 |
| Loan loss allowance to noncurrent loans | 350.7849% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 1,263 |
| Noncurrent loans to loans | 0.5616% | 1,914 |
| Net loans and leases to total assets | 57.0070% | 2,613 |
| Net loans and leases to deposits | 67.5803% | 2,477 |
| Net loans and leases to core deposits | 74.3682% | 2,199 |
| Total domestic deposits to total assets | 84.3544% | 3,350 |
| Equity capital to assets | 13.6230% | 821 |
| Core capital (leverage) ratio | 13.7769% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9243% | 825 |
| Memoranda: | ||
| Average total assets | $2,674,015,750 | 411 |
| Average earning assets | $2,467,059,750 | 413 |
| Average equity | $370,438,250 | 338 |
| Average total loans | $1,655,912,250 | 432 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 3,594 |
| Cost of funding earning assets | 0.2373% | 3,406 |
| Net interest margin | 3.0003% | 3,325 |
| Noninterest income to average assets | 0.7770% | 1,591 |
| Noninterest expense to average assets | 1.3583% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1830% | 349 |
| Return on assets (ROA) | 2.1816% | 372 |
| Pretax return on assets | 2.1816% | 597 |
| Return on Equity (ROE) | 15.6585% | 1,028 |
| Retained earnings to average equity (ytd only) | 3.6063% | 3,647 |
| Net charge-offs to loans | -0.0122% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3562% | 4,795 |
| Assets per employee ($millions) | 12.1351% | 337 |
| Cash dividends to net income (ytd only)* | 76.9690% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 737 |
| Loan loss allowance to noncurrent loans | 335.7888% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 1,214 |
| Noncurrent loans to loans | 0.5658% | 1,982 |
| Net loans and leases to total assets | 61.5113% | 2,237 |
| Net loans and leases to deposits | 73.1633% | 2,085 |
| Net loans and leases to core deposits | 79.7095% | 1,907 |
| Total domestic deposits to total assets | 84.0739% | 3,414 |
| Equity capital to assets | 14.2239% | 668 |
| Core capital (leverage) ratio | 13.9818% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6069% | 872 |
| Memoranda: | ||
| Average total assets | $2,655,055,333 | 411 |
| Average earning assets | $2,446,202,667 | 412 |
| Average equity | $369,907,333 | 337 |
| Average total loans | $1,678,521,333 | 422 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 3,700 |
| Cost of funding earning assets | 0.2536% | 3,440 |
| Net interest margin | 2.9433% | 3,396 |
| Noninterest income to average assets | 0.4993% | 2,617 |
| Noninterest expense to average assets | 1.2987% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9106% | 655 |
| Return on assets (ROA) | 1.9072% | 708 |
| Pretax return on assets | 1.9072% | 1,104 |
| Return on Equity (ROE) | 13.8311% | 1,469 |
| Retained earnings to average equity (ytd only) | 3.3047% | 3,687 |
| Net charge-offs to loans | -0.0222% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4655% | 4,731 |
| Assets per employee ($millions) | 11.7539% | 372 |
| Cash dividends to net income (ytd only)* | 76.1068% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 810 |
| Loan loss allowance to noncurrent loans | 326.9481% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 1,236 |
| Noncurrent loans to loans | 0.5632% | 2,163 |
| Net loans and leases to total assets | 62.6487% | 2,210 |
| Net loans and leases to deposits | 74.3000% | 2,088 |
| Net loans and leases to core deposits | 80.4306% | 1,964 |
| Total domestic deposits to total assets | 84.3186% | 3,335 |
| Equity capital to assets | 13.9015% | 689 |
| Core capital (leverage) ratio | 13.7561% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1134% | 912 |
| Memoranda: | ||
| Average total assets | $2,671,996,000 | 406 |
| Average earning assets | $2,460,198,500 | 406 |
| Average equity | $368,444,000 | 337 |
| Average total loans | $1,696,010,500 | 418 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 3,770 |
| Cost of funding earning assets | 0.5829% | 2,426 |
| Net interest margin | 3.0310% | 3,820 |
| Noninterest income to average assets | 0.7662% | 1,639 |
| Noninterest expense to average assets | 1.7322% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8058% | 382 |
| Return on assets (ROA) | 1.8069% | 413 |
| Pretax return on assets | 1.8069% | 676 |
| Return on Equity (ROE) | 12.2583% | 1,243 |
| Retained earnings to average equity (ytd only) | -0.3989% | 4,578 |
| Net charge-offs to loans | 0.0142% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 190.1277% | 487 |
| Efficiency ratio | 48.9599% | 4,585 |
| Assets per employee ($millions) | 10.4985% | 452 |
| Cash dividends to net income (ytd only)* | 103.2545% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 808 |
| Loan loss allowance to noncurrent loans | 300.9670% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 1,157 |
| Noncurrent loans to loans | 0.6095% | 2,175 |
| Net loans and leases to total assets | 61.9693% | 2,618 |
| Net loans and leases to deposits | 73.9819% | 2,485 |
| Net loans and leases to core deposits | 81.4276% | 2,236 |
| Total domestic deposits to total assets | 83.7628% | 3,180 |
| Equity capital to assets | 13.6780% | 882 |
| Core capital (leverage) ratio | 13.8311% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7143% | 945 |
| Memoranda: | ||
| Average total assets | $2,474,199,600 | 402 |
| Average earning assets | $2,262,710,200 | 395 |
| Average equity | $364,708,400 | 317 |
| Average total loans | $1,655,915,000 | 410 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 3,675 |
| Cost of funding earning assets | 0.6692% | 2,204 |
| Net interest margin | 3.0846% | 3,770 |
| Noninterest income to average assets | 0.5293% | 2,479 |
| Noninterest expense to average assets | 1.6257% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7197% | 555 |
| Return on assets (ROA) | 1.7214% | 614 |
| Pretax return on assets | 1.7214% | 923 |
| Return on Equity (ROE) | 11.4493% | 1,532 |
| Retained earnings to average equity (ytd only) | -0.2234% | 4,516 |
| Net charge-offs to loans | -0.0184% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5949% | 4,577 |
| Assets per employee ($millions) | 10.1044% | 491 |
| Cash dividends to net income (ytd only)* | 101.9516% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 620 |
| Loan loss allowance to noncurrent loans | 274.2706% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 1,144 |
| Noncurrent loans to loans | 0.6816% | 2,088 |
| Net loans and leases to total assets | 65.1133% | 2,630 |
| Net loans and leases to deposits | 77.9320% | 2,538 |
| Net loans and leases to core deposits | 84.3154% | 2,445 |
| Total domestic deposits to total assets | 83.5514% | 2,972 |
| Equity capital to assets | 14.4854% | 736 |
| Core capital (leverage) ratio | 14.3183% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2360% | 876 |
| Memoranda: | ||
| Average total assets | $2,420,848,500 | 402 |
| Average earning assets | $2,210,195,500 | 393 |
| Average equity | $363,982,750 | 311 |
| Average total loans | $1,645,740,750 | 406 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 3,675 |
| Cost of funding earning assets | 0.7786% | 1,941 |
| Net interest margin | 3.1013% | 3,901 |
| Noninterest income to average assets | 0.3313% | 3,485 |
| Noninterest expense to average assets | 1.7315% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4225% | 1,064 |
| Return on assets (ROA) | 1.4251% | 1,150 |
| Pretax return on assets | 1.4251% | 1,658 |
| Return on Equity (ROE) | 9.3564% | 2,222 |
| Retained earnings to average equity (ytd only) | 0.7595% | 4,148 |
| Net charge-offs to loans | -0.0195% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8990% | 4,074 |
| Assets per employee ($millions) | 10.1501% | 480 |
| Cash dividends to net income (ytd only)* | 91.8830% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 560 |
| Loan loss allowance to noncurrent loans | 259.7412% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 933 |
| Noncurrent loans to loans | 0.7226% | 2,071 |
| Net loans and leases to total assets | 65.9864% | 2,630 |
| Net loans and leases to deposits | 79.2279% | 2,519 |
| Net loans and leases to core deposits | 86.4463% | 2,400 |
| Total domestic deposits to total assets | 83.2868% | 3,000 |
| Equity capital to assets | 14.8630% | 643 |
| Core capital (leverage) ratio | 14.9132% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3553% | 863 |
| Memoranda: | ||
| Average total assets | $2,379,026,667 | 400 |
| Average earning assets | $2,165,369,667 | 395 |
| Average equity | $362,362,000 | 313 |
| Average total loans | $1,631,130,000 | 404 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,542 |
| Cost of funding earning assets | 0.9129% | 1,803 |
| Net interest margin | 3.1793% | 3,912 |
| Noninterest income to average assets | -1.1655% | 5,102 |
| Noninterest expense to average assets | 1.8091% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0883% | 4,799 |
| Return on assets (ROA) | -0.0848% | 4,783 |
| Pretax return on assets | -0.0848% | 4,769 |
| Return on Equity (ROE) | -0.5497% | 4,778 |
| Retained earnings to average equity (ytd only) | -17.2186% | 4,929 |
| Net charge-offs to loans | -0.0423% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1297% | 185 |
| Assets per employee ($millions) | 9.3466% | 468 |
| Cash dividends to net income (ytd only)* | -3,032.1138% | 5,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 515 |
| Loan loss allowance to noncurrent loans | 712.3362% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 1,386 |
| Noncurrent loans to loans | 0.2779% | 3,498 |
| Net loans and leases to total assets | 67.3441% | 2,642 |
| Net loans and leases to deposits | 81.1467% | 2,563 |
| Net loans and leases to core deposits | 87.2407% | 2,578 |
| Total domestic deposits to total assets | 82.9906% | 3,117 |
| Equity capital to assets | 15.0422% | 749 |
| Core capital (leverage) ratio | 14.8341% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9403% | 993 |
| Memoranda: | ||
| Average total assets | $2,320,083,000 | 395 |
| Average earning assets | $2,106,243,500 | 398 |
| Average equity | $357,985,000 | 314 |
| Average total loans | $1,607,124,500 | 399 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 3,237 |
| Cost of funding earning assets | 1.0665% | 1,447 |
| Net interest margin | 3.3376% | 3,899 |
| Noninterest income to average assets | 1.3787% | 507 |
| Noninterest expense to average assets | 2.4236% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9970% | 357 |
| Return on assets (ROA) | 1.9986% | 367 |
| Pretax return on assets | 1.9986% | 604 |
| Return on Equity (ROE) | 12.4436% | 1,342 |
| Retained earnings to average equity (ytd only) | 3.0314% | 3,516 |
| Net charge-offs to loans | 0.0511% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 54.2394% | 1,057 |
| Efficiency ratio | 54.8254% | 4,340 |
| Assets per employee ($millions) | 8.7301% | 545 |
| Cash dividends to net income (ytd only)* | 75.6387% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 521 |
| Loan loss allowance to noncurrent loans | 705.7844% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 1,328 |
| Noncurrent loans to loans | 0.2740% | 3,467 |
| Net loans and leases to total assets | 68.4846% | 2,611 |
| Net loans and leases to deposits | 83.3245% | 2,406 |
| Net loans and leases to core deposits | 89.2261% | 2,491 |
| Total domestic deposits to total assets | 82.1902% | 3,458 |
| Equity capital to assets | 15.8167% | 635 |
| Core capital (leverage) ratio | 15.4679% | 595 |
| Tier 1 risk-based capital ratio | 17.8900% | 1,788 |
| Total risk-based capital ratio | 19.1440% | 1,736 |
| Memoranda: | ||
| Average total assets | $2,303,249,800 | 373 |
| Average earning assets | $2,099,131,000 | 373 |
| Average equity | $369,924,600 | 302 |
| Average total loans | $1,661,103,600 | 376 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 3,225 |
| Cost of funding earning assets | 1.0693% | 1,473 |
| Net interest margin | 3.3762% | 3,926 |
| Noninterest income to average assets | 1.4494% | 435 |
| Noninterest expense to average assets | 1.9088% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6251% | 137 |
| Return on assets (ROA) | 2.6276% | 142 |
| Pretax return on assets | 2.6276% | 193 |
| Return on Equity (ROE) | 16.2976% | 563 |
| Retained earnings to average equity (ytd only) | 10.7900% | 566 |
| Net charge-offs to loans | -0.0661% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1010% | 5,079 |
| Assets per employee ($millions) | 8.6067% | 556 |
| Cash dividends to net income (ytd only)* | 33.7940% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 456 |
| Loan loss allowance to noncurrent loans | 257.9371% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 684 |
| Noncurrent loans to loans | 0.7812% | 2,010 |
| Net loans and leases to total assets | 68.8752% | 2,646 |
| Net loans and leases to deposits | 84.5660% | 2,373 |
| Net loans and leases to core deposits | 90.2417% | 2,530 |
| Total domestic deposits to total assets | 81.4454% | 3,627 |
| Equity capital to assets | 16.5455% | 551 |
| Core capital (leverage) ratio | 16.4406% | 506 |
| Tier 1 risk-based capital ratio | 18.9067% | 1,584 |
| Total risk-based capital ratio | 20.1618% | 1,554 |
| Memoranda: | ||
| Average total assets | $2,298,512,000 | 376 |
| Average earning assets | $2,099,985,000 | 374 |
| Average equity | $370,581,750 | 304 |
| Average total loans | $1,670,952,500 | 382 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 3,170 |
| Cost of funding earning assets | 1.0551% | 1,472 |
| Net interest margin | 3.3997% | 3,897 |
| Noninterest income to average assets | 1.1093% | 692 |
| Noninterest expense to average assets | 2.0094% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2078% | 264 |
| Return on assets (ROA) | 2.2107% | 273 |
| Pretax return on assets | 2.2107% | 436 |
| Return on Equity (ROE) | 13.8353% | 1,014 |
| Retained earnings to average equity (ytd only) | 12.3123% | 372 |
| Net charge-offs to loans | -0.0803% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6477% | 4,916 |
| Assets per employee ($millions) | 9.1492% | 442 |
| Cash dividends to net income (ytd only)* | 11.0078% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 503 |
| Loan loss allowance to noncurrent loans | 162.2952% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.9128% | 498 |
| Noncurrent loans to loans | 1.2126% | 1,319 |
| Net loans and leases to total assets | 71.3210% | 2,321 |
| Net loans and leases to deposits | 87.1417% | 2,115 |
| Net loans and leases to core deposits | 93.9207% | 2,246 |
| Total domestic deposits to total assets | 81.8449% | 3,561 |
| Equity capital to assets | 16.4759% | 540 |
| Core capital (leverage) ratio | 16.4779% | 489 |
| Tier 1 risk-based capital ratio | 18.3950% | 1,701 |
| Total risk-based capital ratio | 19.6499% | 1,659 |
| Memoranda: | ||
| Average total assets | $2,287,206,330 | 378 |
| Average earning assets | $2,090,942,670 | 379 |
| Average equity | $365,471,670 | 309 |
| Average total loans | $1,681,437,330 | 379 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 3,106 |
| Cost of funding earning assets | 1.0174% | 1,493 |
| Net interest margin | 3.4153% | 3,848 |
| Noninterest income to average assets | 1.0493% | 726 |
| Noninterest expense to average assets | 1.9481% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2273% | 262 |
| Return on assets (ROA) | 2.2299% | 270 |
| Pretax return on assets | 2.2299% | 417 |
| Return on Equity (ROE) | 14.1772% | 931 |
| Retained earnings to average equity (ytd only) | 13.2792% | 430 |
| Net charge-offs to loans | -0.0358% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6572% | 4,996 |
| Assets per employee ($millions) | 8.4825% | 562 |
| Cash dividends to net income (ytd only)* | 6.3340% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 569 |
| Loan loss allowance to noncurrent loans | 200.9627% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.8012% | 584 |
| Noncurrent loans to loans | 0.9588% | 1,740 |
| Net loans and leases to total assets | 72.9879% | 1,985 |
| Net loans and leases to deposits | 88.9287% | 1,754 |
| Net loans and leases to core deposits | 96.1662% | 1,916 |
| Total domestic deposits to total assets | 82.0747% | 3,704 |
| Equity capital to assets | 16.2020% | 545 |
| Core capital (leverage) ratio | 15.8994% | 547 |
| Tier 1 risk-based capital ratio | 17.9421% | 1,805 |
| Total risk-based capital ratio | 19.1967% | 1,769 |
| Memoranda: | ||
| Average total assets | $2,282,582,500 | 380 |
| Average earning assets | $2,089,294,500 | 379 |
| Average equity | $359,027,000 | 315 |
| Average total loans | $1,686,788,000 | 381 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 3,052 |
| Cost of funding earning assets | 0.7515% | 1,780 |
| Net interest margin | 3.5660% | 3,496 |
| Noninterest income to average assets | 0.3410% | 3,832 |
| Noninterest expense to average assets | 1.9615% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6454% | 780 |
| Return on assets (ROA) | 1.6443% | 786 |
| Pretax return on assets | 1.6443% | 1,328 |
| Return on Equity (ROE) | 10.9024% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.9235% | 4,725 |
| Net charge-offs to loans | -0.1256% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3829% | 4,578 |
| Assets per employee ($millions) | 8.6150% | 529 |
| Cash dividends to net income (ytd only)* | 91.5290% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 573 |
| Loan loss allowance to noncurrent loans | 227.3632% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.7422% | 608 |
| Noncurrent loans to loans | 0.8360% | 1,936 |
| Net loans and leases to total assets | 71.9915% | 2,258 |
| Net loans and leases to deposits | 86.6411% | 2,198 |
| Net loans and leases to core deposits | 92.5462% | 2,360 |
| Total domestic deposits to total assets | 83.0915% | 3,298 |
| Equity capital to assets | 15.2668% | 653 |
| Core capital (leverage) ratio | 15.0701% | 679 |
| Tier 1 risk-based capital ratio | 17.1787% | 2,005 |
| Total risk-based capital ratio | 18.1282% | 2,052 |
| Memoranda: | ||
| Average total assets | $2,359,181,800 | 370 |
| Average earning assets | $2,160,620,400 | 366 |
| Average equity | $355,803,400 | 310 |
| Average total loans | $1,747,369,200 | 363 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 3,104 |
| Cost of funding earning assets | 0.6875% | 1,925 |
| Net interest margin | 3.5758% | 3,446 |
| Noninterest income to average assets | 0.6712% | 1,972 |
| Noninterest expense to average assets | 1.9281% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0156% | 363 |
| Return on assets (ROA) | 2.0135% | 362 |
| Pretax return on assets | 2.0135% | 600 |
| Return on Equity (ROE) | 13.3904% | 1,302 |
| Retained earnings to average equity (ytd only) | 5.1581% | 3,150 |
| Net charge-offs to loans | -0.2166% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8903% | 5,005 |
| Assets per employee ($millions) | 8.8993% | 460 |
| Cash dividends to net income (ytd only)* | 61.4792% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 567 |
| Loan loss allowance to noncurrent loans | 102.5936% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.6650% | 309 |
| Noncurrent loans to loans | 1.8715% | 812 |
| Net loans and leases to total assets | 71.4687% | 2,414 |
| Net loans and leases to deposits | 86.2369% | 2,342 |
| Net loans and leases to core deposits | 92.5923% | 2,426 |
| Total domestic deposits to total assets | 82.8749% | 3,349 |
| Equity capital to assets | 15.3886% | 640 |
| Core capital (leverage) ratio | 15.5381% | 590 |
| Tier 1 risk-based capital ratio | 17.4603% | 1,947 |
| Total risk-based capital ratio | 18.5702% | 1,941 |
| Memoranda: | ||
| Average total assets | $2,371,772,000 | 370 |
| Average earning assets | $2,170,589,250 | 366 |
| Average equity | $356,633,750 | 309 |
| Average total loans | $1,760,621,500 | 360 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,240 |
| Cost of funding earning assets | 0.6463% | 1,947 |
| Net interest margin | 3.5139% | 3,586 |
| Noninterest income to average assets | 0.5421% | 2,614 |
| Noninterest expense to average assets | 1.8812% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8791% | 492 |
| Return on assets (ROA) | 1.8770% | 489 |
| Pretax return on assets | 1.8770% | 820 |
| Return on Equity (ROE) | 12.5798% | 1,510 |
| Retained earnings to average equity (ytd only) | 7.0175% | 2,062 |
| Net charge-offs to loans | -0.2439% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0279% | 5,026 |
| Assets per employee ($millions) | 8.8555% | 469 |
| Cash dividends to net income (ytd only)* | 44.2160% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 716 |
| Loan loss allowance to noncurrent loans | 81.8570% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 3.0647% | 234 |
| Noncurrent loans to loans | 2.2319% | 618 |
| Net loans and leases to total assets | 74.2411% | 1,909 |
| Net loans and leases to deposits | 89.1273% | 1,958 |
| Net loans and leases to core deposits | 97.0061% | 1,966 |
| Total domestic deposits to total assets | 83.2978% | 3,326 |
| Equity capital to assets | 15.5102% | 591 |
| Core capital (leverage) ratio | 15.5295% | 565 |
| Tier 1 risk-based capital ratio | 16.9517% | 2,119 |
| Total risk-based capital ratio | 18.2053% | 2,058 |
| Memoranda: | ||
| Average total assets | $2,379,220,670 | 371 |
| Average earning assets | $2,179,021,670 | 366 |
| Average equity | $354,997,330 | 305 |
| Average total loans | $1,776,836,670 | 357 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,173 |
| Cost of funding earning assets | 0.6197% | 1,916 |
| Net interest margin | 3.4991% | 3,541 |
| Noninterest income to average assets | 0.4726% | 2,983 |
| Noninterest expense to average assets | 1.9533% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7247% | 653 |
| Return on assets (ROA) | 1.7217% | 667 |
| Pretax return on assets | 1.7217% | 1,063 |
| Return on Equity (ROE) | 11.7642% | 1,664 |
| Retained earnings to average equity (ytd only) | 7.9470% | 1,859 |
| Net charge-offs to loans | -0.0576% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1075% | 4,874 |
| Assets per employee ($millions) | 8.9417% | 450 |
| Cash dividends to net income (ytd only)* | 32.4476% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 911 |
| Loan loss allowance to noncurrent loans | 141.0635% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.4687% | 379 |
| Noncurrent loans to loans | 1.2191% | 1,486 |
| Net loans and leases to total assets | 74.1174% | 1,837 |
| Net loans and leases to deposits | 88.7050% | 1,841 |
| Net loans and leases to core deposits | 96.0604% | 1,968 |
| Total domestic deposits to total assets | 83.5550% | 3,480 |
| Equity capital to assets | 15.1942% | 624 |
| Core capital (leverage) ratio | 14.8443% | 675 |
| Tier 1 risk-based capital ratio | 16.9288% | 2,135 |
| Total risk-based capital ratio | 18.1816% | 2,088 |
| Memoranda: | ||
| Average total assets | $2,404,335,500 | 369 |
| Average earning assets | $2,202,501,500 | 366 |
| Average equity | $351,880,000 | 309 |
| Average total loans | $1,784,632,000 | 357 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,687 |
| Cost of funding earning assets | 0.6822% | 1,124 |
| Net interest margin | 3.5161% | 3,477 |
| Noninterest income to average assets | 0.5913% | 2,492 |
| Noninterest expense to average assets | 1.9332% | 5,075 |
| Loan and lease loss provision to assets | 0.0650% | 2,912 |
| Net operating income to assets | 1.8172% | 403 |
| Return on assets (ROA) | 1.5598% | 716 |
| Pretax return on assets | 1.5598% | 1,419 |
| Return on Equity (ROE) | 11.3310% | 1,384 |
| Retained earnings to average equity (ytd only) | -4.1522% | 5,404 |
| Net charge-offs to loans | 0.0456% | 2,870 |
| Credit loss provision to net charge-offs | 189.1253% | 1,441 |
| Earnings coverage of net charge-offs (x) | 54.7801% | 1,024 |
| Efficiency ratio | 50.6685% | 5,188 |
| Assets per employee ($millions) | 9.4461% | 380 |
| Cash dividends to net income (ytd only)* | 136.6444% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 1,013 |
| Loan loss allowance to noncurrent loans | 130.6929% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.3495% | 420 |
| Noncurrent loans to loans | 1.2692% | 1,385 |
| Net loans and leases to total assets | 71.8919% | 2,253 |
| Net loans and leases to deposits | 87.0784% | 2,122 |
| Net loans and leases to core deposits | 97.1696% | 1,926 |
| Total domestic deposits to total assets | 82.5600% | 3,708 |
| Equity capital to assets | 14.1081% | 876 |
| Core capital (leverage) ratio | 14.0188% | 828 |
| Tier 1 risk-based capital ratio | 15.8354% | 2,497 |
| Total risk-based capital ratio | 17.0875% | 2,445 |
| Memoranda: | ||
| Average total assets | $2,462,288,400 | 349 |
| Average earning assets | $2,257,709,600 | 347 |
| Average equity | $338,954,200 | 305 |
| Average total loans | $1,853,743,800 | 330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,479 |
| Cost of funding earning assets | 0.6925% | 999 |
| Net interest margin | 3.5464% | 3,330 |
| Noninterest income to average assets | 0.5589% | 2,674 |
| Noninterest expense to average assets | 1.9424% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8692% | 416 |
| Return on assets (ROA) | 1.5255% | 872 |
| Pretax return on assets | 1.5255% | 1,685 |
| Return on Equity (ROE) | 11.1514% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.6316% | 3,122 |
| Net charge-offs to loans | 0.0721% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.1675% | 1,451 |
| Efficiency ratio | 50.9602% | 5,182 |
| Assets per employee ($millions) | 9.3066% | 388 |
| Cash dividends to net income (ytd only)* | 58.4660% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,415 |
| Loan loss allowance to noncurrent loans | 172.6861% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 567 |
| Noncurrent loans to loans | 0.8880% | 2,155 |
| Net loans and leases to total assets | 72.7264% | 2,141 |
| Net loans and leases to deposits | 92.6863% | 1,463 |
| Net loans and leases to core deposits | 103.6277% | 1,415 |
| Total domestic deposits to total assets | 78.4651% | 4,634 |
| Equity capital to assets | 15.1122% | 711 |
| Core capital (leverage) ratio | 15.1638% | 629 |
| Tier 1 risk-based capital ratio | 16.7678% | 2,227 |
| Total risk-based capital ratio | 18.0189% | 2,181 |
| Memoranda: | ||
| Average total assets | $2,459,141,250 | 350 |
| Average earning assets | $2,255,431,250 | 347 |
| Average equity | $336,403,250 | 303 |
| Average total loans | $1,864,867,750 | 327 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,305 |
| Cost of funding earning assets | 0.6861% | 955 |
| Net interest margin | 3.5604% | 3,182 |
| Noninterest income to average assets | 0.5289% | 2,835 |
| Noninterest expense to average assets | 1.8862% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9059% | 368 |
| Return on assets (ROA) | 1.8351% | 437 |
| Pretax return on assets | 1.8351% | 774 |
| Return on Equity (ROE) | 13.9098% | 825 |
| Retained earnings to average equity (ytd only) | 7.7542% | 1,254 |
| Net charge-offs to loans | 0.0993% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 25.0785% | 1,618 |
| Efficiency ratio | 49.7403% | 5,321 |
| Assets per employee ($millions) | 9.4004% | 363 |
| Cash dividends to net income (ytd only)* | 44.2535% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,563 |
| Loan loss allowance to noncurrent loans | 354.3089% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 725 |
| Noncurrent loans to loans | 0.4245% | 3,497 |
| Net loans and leases to total assets | 75.9058% | 1,555 |
| Net loans and leases to deposits | 99.4629% | 775 |
| Net loans and leases to core deposits | 110.2010% | 996 |
| Total domestic deposits to total assets | 76.3157% | 5,053 |
| Equity capital to assets | 13.4546% | 1,163 |
| Core capital (leverage) ratio | 14.1756% | 810 |
| Tier 1 risk-based capital ratio | 12.8862% | 4,071 |
| Total risk-based capital ratio | 14.0072% | 4,054 |
| Memoranda: | ||
| Average total assets | $2,447,463,000 | 356 |
| Average earning assets | $2,243,163,330 | 352 |
| Average equity | $322,895,670 | 318 |
| Average total loans | $1,872,432,670 | 332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,290 |
| Cost of funding earning assets | 0.6660% | 997 |
| Net interest margin | 3.5304% | 3,161 |
| Noninterest income to average assets | 0.5744% | 2,540 |
| Noninterest expense to average assets | 1.6205% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1908% | 230 |
| Return on assets (ROA) | 2.1908% | 234 |
| Pretax return on assets | 2.1908% | 362 |
| Return on Equity (ROE) | 16.7716% | 435 |
| Retained earnings to average equity (ytd only) | 14.4398% | 271 |
| Net charge-offs to loans | -0.0169% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5180% | 5,640 |
| Assets per employee ($millions) | 9.7096% | 336 |
| Cash dividends to net income (ytd only)* | 13.9034% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,441 |
| Loan loss allowance to noncurrent loans | 389.4332% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 731 |
| Noncurrent loans to loans | 0.4045% | 3,643 |
| Net loans and leases to total assets | 74.3180% | 1,690 |
| Net loans and leases to deposits | 100.7535% | 568 |
| Net loans and leases to core deposits | 110.7743% | 844 |
| Total domestic deposits to total assets | 73.7623% | 5,433 |
| Equity capital to assets | 13.2207% | 1,171 |
| Core capital (leverage) ratio | 14.0296% | 835 |
| Tier 1 risk-based capital ratio | 12.8519% | 4,169 |
| Total risk-based capital ratio | 14.0102% | 4,119 |
| Memoranda: | ||
| Average total assets | $2,449,148,500 | 359 |
| Average earning assets | $2,245,531,000 | 356 |
| Average equity | $319,922,000 | 319 |
| Average total loans | $1,866,881,500 | 332 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 2,350 |
| Cost of funding earning assets | 0.6516% | 1,048 |
| Net interest margin | 3.5888% | 3,112 |
| Noninterest income to average assets | 0.4040% | 3,848 |
| Noninterest expense to average assets | 2.0174% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6691% | 585 |
| Return on assets (ROA) | 1.5877% | 726 |
| Pretax return on assets | 1.5877% | 1,324 |
| Return on Equity (ROE) | 12.1662% | 1,195 |
| Retained earnings to average equity (ytd only) | 5.8010% | 1,823 |
| Net charge-offs to loans | -0.0319% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7247% | 5,176 |
| Assets per employee ($millions) | 9.6510% | 343 |
| Cash dividends to net income (ytd only)* | 52.3189% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,457 |
| Loan loss allowance to noncurrent loans | 157.2196% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 718 |
| Noncurrent loans to loans | 0.9943% | 2,104 |
| Net loans and leases to total assets | 75.7511% | 1,550 |
| Net loans and leases to deposits | 101.5372% | 565 |
| Net loans and leases to core deposits | 111.2358% | 817 |
| Total domestic deposits to total assets | 74.6042% | 5,389 |
| Equity capital to assets | 12.9022% | 1,294 |
| Core capital (leverage) ratio | 13.7494% | 884 |
| Tier 1 risk-based capital ratio | 12.2322% | 4,550 |
| Total risk-based capital ratio | 13.3787% | 4,514 |
| Memoranda: | ||
| Average total assets | $2,341,300,000 | 355 |
| Average earning assets | $2,141,457,000 | 352 |
| Average equity | $305,535,800 | 318 |
| Average total loans | $1,782,723,200 | 333 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 2,467 |
| Cost of funding earning assets | 0.6529% | 1,046 |
| Net interest margin | 3.5613% | 3,228 |
| Noninterest income to average assets | 0.5192% | 3,121 |
| Noninterest expense to average assets | 2.0324% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7415% | 550 |
| Return on assets (ROA) | 1.7116% | 611 |
| Pretax return on assets | 1.7116% | 1,083 |
| Return on Equity (ROE) | 13.0767% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.8340% | 1,238 |
| Net charge-offs to loans | -0.0403% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8544% | 5,250 |
| Assets per employee ($millions) | 9.0226% | 406 |
| Cash dividends to net income (ytd only)* | 40.0921% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,457 |
| Loan loss allowance to noncurrent loans | 310.1252% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 828 |
| Noncurrent loans to loans | 0.5168% | 3,446 |
| Net loans and leases to total assets | 75.3098% | 1,652 |
| Net loans and leases to deposits | 100.7324% | 657 |
| Net loans and leases to core deposits | 111.0971% | 860 |
| Total domestic deposits to total assets | 74.7622% | 5,364 |
| Equity capital to assets | 13.1743% | 1,401 |
| Core capital (leverage) ratio | 14.0292% | 837 |
| Tier 1 risk-based capital ratio | 12.4382% | 4,515 |
| Total risk-based capital ratio | 13.6045% | 4,475 |
| Memoranda: | ||
| Average total assets | $2,318,611,000 | 358 |
| Average earning assets | $2,118,931,000 | 354 |
| Average equity | $303,472,500 | 321 |
| Average total loans | $1,760,512,750 | 334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,257 |
| Cost of funding earning assets | 0.6504% | 1,054 |
| Net interest margin | 3.6192% | 3,025 |
| Noninterest income to average assets | 0.5240% | 3,041 |
| Noninterest expense to average assets | 2.1026% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7381% | 538 |
| Return on assets (ROA) | 1.6928% | 622 |
| Pretax return on assets | 1.6928% | 1,110 |
| Return on Equity (ROE) | 12.9628% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.2261% | 2,001 |
| Net charge-offs to loans | -0.0246% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7451% | 5,255 |
| Assets per employee ($millions) | 8.6701% | 445 |
| Cash dividends to net income (ytd only)* | 51.9696% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,468 |
| Loan loss allowance to noncurrent loans | 287.7539% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 1,043 |
| Noncurrent loans to loans | 0.5632% | 3,375 |
| Net loans and leases to total assets | 75.5134% | 1,564 |
| Net loans and leases to deposits | 99.4493% | 740 |
| Net loans and leases to core deposits | 110.3387% | 916 |
| Total domestic deposits to total assets | 75.9315% | 5,291 |
| Equity capital to assets | 13.1234% | 1,435 |
| Core capital (leverage) ratio | 13.8850% | 856 |
| Tier 1 risk-based capital ratio | 12.1700% | 4,715 |
| Total risk-based capital ratio | 13.3307% | 4,696 |
| Memoranda: | ||
| Average total assets | $2,297,488,330 | 358 |
| Average earning assets | $2,105,448,000 | 358 |
| Average equity | $300,027,330 | 319 |
| Average total loans | $1,739,656,000 | 336 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,286 |
| Cost of funding earning assets | 0.6317% | 1,143 |
| Net interest margin | 3.6228% | 2,993 |
| Noninterest income to average assets | 0.4463% | 3,514 |
| Noninterest expense to average assets | 2.2279% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5414% | 790 |
| Return on assets (ROA) | 1.5414% | 829 |
| Pretax return on assets | 1.5414% | 1,462 |
| Return on Equity (ROE) | 11.8330% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.4444% | 988 |
| Net charge-offs to loans | 0.0268% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 76.5478% | 659 |
| Efficiency ratio | 59.1072% | 4,859 |
| Assets per employee ($millions) | 9.0417% | 381 |
| Cash dividends to net income (ytd only)* | 20.1863% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 1,479 |
| Loan loss allowance to noncurrent loans | 180.1917% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2107% | 739 |
| Noncurrent loans to loans | 0.9167% | 2,560 |
| Net loans and leases to total assets | 74.3705% | 1,673 |
| Net loans and leases to deposits | 98.2073% | 744 |
| Net loans and leases to core deposits | 109.0610% | 903 |
| Total domestic deposits to total assets | 75.7281% | 5,441 |
| Equity capital to assets | 13.1796% | 1,326 |
| Core capital (leverage) ratio | 13.9825% | 813 |
| Tier 1 risk-based capital ratio | 12.1150% | 4,846 |
| Total risk-based capital ratio | 13.2664% | 4,822 |
| Memoranda: | ||
| Average total assets | $2,284,444,000 | 357 |
| Average earning assets | $2,095,412,500 | 358 |
| Average equity | $297,574,500 | 320 |
| Average total loans | $1,717,727,000 | 335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,794 |
| Cost of funding earning assets | 0.7082% | 783 |
| Net interest margin | 3.4256% | 3,814 |
| Noninterest income to average assets | 0.2757% | 4,914 |
| Noninterest expense to average assets | 2.9258% | 2,780 |
| Loan and lease loss provision to assets | -0.2662% | 6,043 |
| Net operating income to assets | 0.7020% | 3,803 |
| Return on assets (ROA) | 0.7574% | 3,637 |
| Pretax return on assets | 0.7574% | 4,344 |
| Return on Equity (ROE) | 5.9920% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.5355% | 2,758 |
| Net charge-offs to loans | 0.0633% | 2,959 |
| Credit loss provision to net charge-offs | -598.8024% | 5,475 |
| Earnings coverage of net charge-offs (x) | 9.7994% | 2,778 |
| Efficiency ratio | 87.0383% | 905 |
| Assets per employee ($millions) | 8.7744% | 415 |
| Cash dividends to net income (ytd only)* | 24.3072% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 1,391 |
| Loan loss allowance to noncurrent loans | 188.2168% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 778 |
| Noncurrent loans to loans | 0.8936% | 2,558 |
| Net loans and leases to total assets | 73.5064% | 1,805 |
| Net loans and leases to deposits | 96.5809% | 948 |
| Net loans and leases to core deposits | 106.0514% | 1,096 |
| Total domestic deposits to total assets | 76.1086% | 5,433 |
| Equity capital to assets | 12.8722% | 1,419 |
| Core capital (leverage) ratio | 14.0859% | 793 |
| Tier 1 risk-based capital ratio | 12.4064% | 4,695 |
| Total risk-based capital ratio | 13.6175% | 4,610 |
| Memoranda: | ||
| Average total assets | $2,253,555,200 | 346 |
| Average earning assets | $2,030,030,200 | 351 |
| Average equity | $284,860,800 | 315 |
| Average total loans | $1,583,312,000 | 338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 2,884 |
| Cost of funding earning assets | 0.7411% | 679 |
| Net interest margin | 3.3728% | 4,069 |
| Noninterest income to average assets | 0.1041% | 5,950 |
| Noninterest expense to average assets | 3.2151% | 1,931 |
| Loan and lease loss provision to assets | -0.3561% | 6,173 |
| Net operating income to assets | 0.2695% | 5,538 |
| Return on assets (ROA) | 0.3488% | 5,401 |
| Pretax return on assets | 0.3488% | 5,557 |
| Return on Equity (ROE) | 2.7722% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.0099% | 5,312 |
| Net charge-offs to loans | 0.0109% | 3,792 |
| Credit loss provision to net charge-offs | -4,724.4094% | 5,688 |
| Earnings coverage of net charge-offs (x) | -11.4881% | 4,145 |
| Efficiency ratio | 102.7677% | 240 |
| Assets per employee ($millions) | 8.5518% | 436 |
| Cash dividends to net income (ytd only)* | 63.5699% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 1,240 |
| Loan loss allowance to noncurrent loans | 214.4733% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 2.9828% | 511 |
| Noncurrent loans to loans | 0.8448% | 2,857 |
| Net loans and leases to total assets | 72.0518% | 2,053 |
| Net loans and leases to deposits | 95.7684% | 1,031 |
| Net loans and leases to core deposits | 106.0928% | 1,093 |
| Total domestic deposits to total assets | 75.2355% | 5,601 |
| Equity capital to assets | 12.6726% | 1,634 |
| Core capital (leverage) ratio | 13.5245% | 1,009 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,948 |
| Total risk-based capital ratio | 13.4903% | 4,830 |
| Memoranda: | ||
| Average total assets | $2,246,608,750 | 355 |
| Average earning assets | $2,014,541,000 | 359 |
| Average equity | $282,661,250 | 322 |
| Average total loans | $1,552,735,000 | 345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 2,986 |
| Cost of funding earning assets | 0.8021% | 492 |
| Net interest margin | 3.2742% | 4,400 |
| Noninterest income to average assets | 0.2860% | 4,915 |
| Noninterest expense to average assets | 2.7124% | 3,553 |
| Loan and lease loss provision to assets | -0.5323% | 6,279 |
| Net operating income to assets | 1.0276% | 2,248 |
| Return on assets (ROA) | 1.0334% | 2,327 |
| Pretax return on assets | 1.0334% | 3,441 |
| Return on Equity (ROE) | 8.2330% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.8357% | 1,779 |
| Net charge-offs to loans | 0.0286% | 3,094 |
| Credit loss provision to net charge-offs | -2,752.2936% | 5,516 |
| Earnings coverage of net charge-offs (x) | 25.6101% | 1,516 |
| Efficiency ratio | 84.5586% | 1,206 |
| Assets per employee ($millions) | 8.9462% | 375 |
| Cash dividends to net income (ytd only)* | 16.9729% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 1,150 |
| Loan loss allowance to noncurrent loans | 230.1421% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 4.0909% | 322 |
| Noncurrent loans to loans | 0.8281% | 3,053 |
| Net loans and leases to total assets | 66.2339% | 2,910 |
| Net loans and leases to deposits | 89.4204% | 1,669 |
| Net loans and leases to core deposits | 99.6044% | 1,524 |
| Total domestic deposits to total assets | 74.0703% | 5,785 |
| Equity capital to assets | 12.5928% | 1,604 |
| Core capital (leverage) ratio | 13.3366% | 1,036 |
| Tier 1 risk-based capital ratio | 12.2791% | 4,950 |
| Total risk-based capital ratio | 13.5531% | 4,838 |
| Memoranda: | ||
| Average total assets | $2,254,322,670 | 350 |
| Average earning assets | $2,011,625,330 | 357 |
| Average equity | $282,957,670 | 323 |
| Average total loans | $1,526,443,000 | 351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 2,814 |
| Cost of funding earning assets | 0.7963% | 513 |
| Net interest margin | 3.3078% | 4,185 |
| Noninterest income to average assets | 0.4389% | 3,699 |
| Noninterest expense to average assets | 2.2883% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0959% | 1,886 |
| Return on assets (ROA) | 1.1002% | 1,981 |
| Pretax return on assets | 1.1002% | 3,078 |
| Return on Equity (ROE) | 8.7798% | 2,558 |
| Retained earnings to average equity (ytd only) | 6.5302% | 2,222 |
| Net charge-offs to loans | -0.4510% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6180% | 3,887 |
| Assets per employee ($millions) | 9.0526% | 358 |
| Cash dividends to net income (ytd only)* | 25.6219% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4541% | 565 |
| Loan loss allowance to noncurrent loans | 274.4954% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 4.5918% | 285 |
| Noncurrent loans to loans | 0.8940% | 3,006 |
| Net loans and leases to total assets | 66.2158% | 2,735 |
| Net loans and leases to deposits | 89.2708% | 1,466 |
| Net loans and leases to core deposits | 98.9547% | 1,397 |
| Total domestic deposits to total assets | 74.1741% | 5,887 |
| Equity capital to assets | 12.6059% | 1,627 |
| Core capital (leverage) ratio | 13.0565% | 1,138 |
| Tier 1 risk-based capital ratio | 12.3887% | 4,980 |
| Total risk-based capital ratio | 13.6723% | 4,874 |
| Memoranda: | ||
| Average total assets | $2,236,375,500 | 349 |
| Average earning assets | $1,991,282,500 | 360 |
| Average equity | $280,235,000 | 325 |
| Average total loans | $1,516,478,000 | 348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 3,290 |
| Cost of funding earning assets | 0.8081% | 627 |
| Net interest margin | 3.3021% | 4,550 |
| Noninterest income to average assets | 0.8111% | 1,827 |
| Noninterest expense to average assets | 2.4373% | 4,736 |
| Loan and lease loss provision to assets | -1.1503% | 6,497 |
| Net operating income to assets | 2.4442% | 159 |
| Return on assets (ROA) | 2.3972% | 172 |
| Pretax return on assets | 2.3972% | 232 |
| Return on Equity (ROE) | 21.0739% | 204 |
| Retained earnings to average equity (ytd only) | 16.2308% | 120 |
| Net charge-offs to loans | -0.1333% | 6,184 |
| Credit loss provision to net charge-offs | 1,329.0803% | 215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3233% | 4,354 |
| Assets per employee ($millions) | 8.6681% | 406 |
| Cash dividends to net income (ytd only)* | 22.9817% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3652% | 655 |
| Loan loss allowance to noncurrent loans | 269.4805% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 4.5157% | 338 |
| Noncurrent loans to loans | 0.8777% | 3,124 |
| Net loans and leases to total assets | 66.1349% | 2,859 |
| Net loans and leases to deposits | 88.9190% | 1,625 |
| Net loans and leases to core deposits | 98.4220% | 1,518 |
| Total domestic deposits to total assets | 74.3766% | 5,915 |
| Equity capital to assets | 12.4550% | 1,677 |
| Core capital (leverage) ratio | 15.0652% | 598 |
| Tier 1 risk-based capital ratio | 16.4643% | 2,727 |
| Total risk-based capital ratio | 17.7214% | 2,677 |
| Memoranda: | ||
| Average total assets | $2,173,288,800 | 344 |
| Average earning assets | $1,921,814,800 | 354 |
| Average equity | $247,215,200 | 337 |
| Average total loans | $1,410,906,000 | 347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,378 |
| Cost of funding earning assets | 0.8091% | 656 |
| Net interest margin | 3.2899% | 4,644 |
| Noninterest income to average assets | 0.7240% | 2,205 |
| Noninterest expense to average assets | 2.4062% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2224% | 1,599 |
| Return on assets (ROA) | 0.9532% | 2,752 |
| Pretax return on assets | 0.9532% | 3,786 |
| Return on Equity (ROE) | 8.5900% | 2,911 |
| Retained earnings to average equity (ytd only) | 2.1503% | 4,981 |
| Net charge-offs to loans | -0.1390% | 6,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3111% | 4,168 |
| Assets per employee ($millions) | 7.9128% | 544 |
| Cash dividends to net income (ytd only)* | 74.9676% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1430% | 145 |
| Loan loss allowance to noncurrent loans | 338.0309% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 4.9838% | 347 |
| Noncurrent loans to loans | 1.2256% | 2,598 |
| Net loans and leases to total assets | 64.7737% | 3,063 |
| Net loans and leases to deposits | 86.7105% | 1,828 |
| Net loans and leases to core deposits | 96.1699% | 1,663 |
| Total domestic deposits to total assets | 74.7011% | 5,951 |
| Equity capital to assets | 11.1661% | 2,796 |
| Core capital (leverage) ratio | 13.6742% | 938 |
| Tier 1 risk-based capital ratio | 14.8978% | 3,651 |
| Total risk-based capital ratio | 16.1705% | 3,565 |
| Memoranda: | ||
| Average total assets | $2,159,683,000 | 343 |
| Average earning assets | $1,906,706,750 | 353 |
| Average equity | $239,653,500 | 342 |
| Average total loans | $1,386,386,000 | 348 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,605 |
| Cost of funding earning assets | 0.8031% | 689 |
| Net interest margin | 3.2306% | 4,841 |
| Noninterest income to average assets | 0.9068% | 1,480 |
| Noninterest expense to average assets | 2.4431% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3121% | 1,273 |
| Return on assets (ROA) | 1.2924% | 1,384 |
| Pretax return on assets | 1.2924% | 2,279 |
| Return on Equity (ROE) | 11.6711% | 1,528 |
| Retained earnings to average equity (ytd only) | 11.6711% | 459 |
| Net charge-offs to loans | -0.2134% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0590% | 4,524 |
| Assets per employee ($millions) | 8.3676% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3398% | 139 |
| Loan loss allowance to noncurrent loans | 291.3556% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 5.2529% | 326 |
| Noncurrent loans to loans | 1.4895% | 2,334 |
| Net loans and leases to total assets | 60.8243% | 3,593 |
| Net loans and leases to deposits | 81.0815% | 2,376 |
| Net loans and leases to core deposits | 90.7339% | 2,054 |
| Total domestic deposits to total assets | 75.0162% | 6,023 |
| Equity capital to assets | 11.3404% | 2,566 |
| Core capital (leverage) ratio | 14.0716% | 809 |
| Tier 1 risk-based capital ratio | 15.7656% | 3,218 |
| Total risk-based capital ratio | 17.0392% | 3,138 |
| Memoranda: | ||
| Average total assets | $2,162,151,000 | 339 |
| Average earning assets | $1,906,406,330 | 346 |
| Average equity | $239,429,330 | 338 |
| Average total loans | $1,363,726,670 | 348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,669 |
| Cost of funding earning assets | 0.7980% | 757 |
| Net interest margin | 3.2056% | 4,907 |
| Noninterest income to average assets | 0.5777% | 2,870 |
| Noninterest expense to average assets | 2.3270% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0734% | 1,920 |
| Return on assets (ROA) | 1.0520% | 2,066 |
| Pretax return on assets | 1.0520% | 3,126 |
| Return on Equity (ROE) | 9.6179% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.6179% | 1,074 |
| Net charge-offs to loans | -0.0648% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4329% | 4,107 |
| Assets per employee ($millions) | 8.6110% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3319% | 147 |
| Loan loss allowance to noncurrent loans | 261.6837% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 5.7100% | 318 |
| Noncurrent loans to loans | 1.6554% | 2,343 |
| Net loans and leases to total assets | 60.0750% | 3,553 |
| Net loans and leases to deposits | 79.7341% | 2,331 |
| Net loans and leases to core deposits | 89.1927% | 1,985 |
| Total domestic deposits to total assets | 75.3442% | 6,130 |
| Equity capital to assets | 10.9909% | 2,722 |
| Core capital (leverage) ratio | 13.8347% | 874 |
| Tier 1 risk-based capital ratio | 15.3846% | 3,508 |
| Total risk-based capital ratio | 16.6576% | 3,451 |
| Memoranda: | ||
| Average total assets | $2,151,259,500 | 340 |
| Average earning assets | $1,894,303,500 | 351 |
| Average equity | $235,310,500 | 343 |
| Average total loans | $1,351,277,000 | 347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,718 |
| Cost of funding earning assets | 0.8245% | 1,069 |
| Net interest margin | 3.2810% | 4,736 |
| Noninterest income to average assets | 1.0083% | 1,379 |
| Noninterest expense to average assets | 2.4445% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4396% | 936 |
| Return on assets (ROA) | 1.3649% | 1,147 |
| Pretax return on assets | 1.3649% | 1,917 |
| Return on Equity (ROE) | 13.5601% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.5601% | 218 |
| Net charge-offs to loans | 0.1343% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.2478% | 1,730 |
| Efficiency ratio | 62.9358% | 5,071 |
| Assets per employee ($millions) | 8.1395% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3890% | 147 |
| Loan loss allowance to noncurrent loans | 215.5676% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 6.0083% | 320 |
| Noncurrent loans to loans | 2.0360% | 1,953 |
| Net loans and leases to total assets | 60.0740% | 3,705 |
| Net loans and leases to deposits | 79.9646% | 2,459 |
| Net loans and leases to core deposits | 89.5318% | 2,080 |
| Total domestic deposits to total assets | 75.1257% | 6,182 |
| Equity capital to assets | 10.8847% | 2,720 |
| Core capital (leverage) ratio | 13.6129% | 925 |
| Tier 1 risk-based capital ratio | 15.0761% | 3,624 |
| Total risk-based capital ratio | 16.3489% | 3,554 |
| Memoranda: | ||
| Average total assets | $2,166,111,000 | 329 |
| Average earning assets | $1,898,656,400 | 337 |
| Average equity | $218,037,200 | 354 |
| Average total loans | $1,346,114,200 | 333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,856 |
| Cost of funding earning assets | 0.8276% | 1,170 |
| Net interest margin | 3.2461% | 4,842 |
| Noninterest income to average assets | 0.8560% | 1,910 |
| Noninterest expense to average assets | 2.1567% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5431% | 835 |
| Return on assets (ROA) | 1.4901% | 964 |
| Pretax return on assets | 1.4901% | 1,639 |
| Return on Equity (ROE) | 15.1053% | 785 |
| Retained earnings to average equity (ytd only) | 15.1053% | 196 |
| Net charge-offs to loans | 0.1989% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.5204% | 2,129 |
| Efficiency ratio | 58.2930% | 5,651 |
| Assets per employee ($millions) | 8.0526% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3801% | 181 |
| Loan loss allowance to noncurrent loans | 127.1412% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 7.1219% | 276 |
| Noncurrent loans to loans | 3.4451% | 1,117 |
| Net loans and leases to total assets | 59.2843% | 3,812 |
| Net loans and leases to deposits | 78.9040% | 2,541 |
| Net loans and leases to core deposits | 88.4535% | 2,134 |
| Total domestic deposits to total assets | 75.1347% | 6,267 |
| Equity capital to assets | 10.4893% | 3,291 |
| Core capital (leverage) ratio | 13.3136% | 1,094 |
| Tier 1 risk-based capital ratio | 14.5630% | 4,039 |
| Total risk-based capital ratio | 15.8348% | 3,978 |
| Memoranda: | ||
| Average total assets | $2,174,499,750 | 331 |
| Average earning assets | $1,904,957,000 | 337 |
| Average equity | $214,516,000 | 361 |
| Average total loans | $1,347,662,750 | 333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 3,822 |
| Cost of funding earning assets | 0.8319% | 1,248 |
| Net interest margin | 3.2473% | 4,783 |
| Noninterest income to average assets | 0.9648% | 1,616 |
| Noninterest expense to average assets | 2.1474% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6617% | 673 |
| Return on assets (ROA) | 1.6073% | 808 |
| Pretax return on assets | 1.6073% | 1,352 |
| Return on Equity (ROE) | 16.6400% | 588 |
| Retained earnings to average equity (ytd only) | 16.6400% | 172 |
| Net charge-offs to loans | 0.0598% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 44.8317% | 857 |
| Efficiency ratio | 56.3755% | 5,919 |
| Assets per employee ($millions) | 8.1478% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5024% | 174 |
| Loan loss allowance to noncurrent loans | 107.9434% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 7.7122% | 284 |
| Noncurrent loans to loans | 4.1711% | 904 |
| Net loans and leases to total assets | 58.7060% | 3,871 |
| Net loans and leases to deposits | 76.7878% | 2,758 |
| Net loans and leases to core deposits | 86.8419% | 2,245 |
| Total domestic deposits to total assets | 76.4522% | 6,199 |
| Equity capital to assets | 10.0594% | 3,840 |
| Core capital (leverage) ratio | 12.9927% | 1,162 |
| Tier 1 risk-based capital ratio | 14.0856% | 4,363 |
| Total risk-based capital ratio | 15.3580% | 4,312 |
| Memoranda: | ||
| Average total assets | $2,179,968,000 | 329 |
| Average earning assets | $1,909,377,670 | 335 |
| Average equity | $210,564,670 | 367 |
| Average total loans | $1,350,877,670 | 332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 4,224 |
| Cost of funding earning assets | 0.8460% | 1,272 |
| Net interest margin | 3.1278% | 5,169 |
| Noninterest income to average assets | 1.5993% | 612 |
| Noninterest expense to average assets | 2.3532% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9804% | 352 |
| Return on assets (ROA) | 1.9565% | 401 |
| Pretax return on assets | 1.9565% | 643 |
| Return on Equity (ROE) | 20.6832% | 250 |
| Retained earnings to average equity (ytd only) | 20.6832% | 117 |
| Net charge-offs to loans | 0.1078% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.5191% | 965 |
| Efficiency ratio | 54.3017% | 6,203 |
| Assets per employee ($millions) | 8.5472% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4742% | 200 |
| Loan loss allowance to noncurrent loans | 101.7685% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 8.5375% | 279 |
| Noncurrent loans to loans | 4.3964% | 969 |
| Net loans and leases to total assets | 59.4880% | 3,520 |
| Net loans and leases to deposits | 77.8554% | 2,358 |
| Net loans and leases to core deposits | 89.6003% | 1,740 |
| Total domestic deposits to total assets | 76.4083% | 6,316 |
| Equity capital to assets | 9.7996% | 4,417 |
| Core capital (leverage) ratio | 12.5726% | 1,307 |
| Tier 1 risk-based capital ratio | 13.4642% | 4,897 |
| Total risk-based capital ratio | 14.7359% | 4,841 |
| Memoranda: | ||
| Average total assets | $2,182,218,000 | 334 |
| Average earning assets | $1,907,691,500 | 337 |
| Average equity | $206,428,000 | 377 |
| Average total loans | $1,357,645,000 | 332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 4,096 |
| Cost of funding earning assets | 0.9366% | 1,725 |
| Net interest margin | 3.3904% | 4,919 |
| Noninterest income to average assets | 0.6652% | 2,906 |
| Noninterest expense to average assets | 2.6839% | 4,458 |
| Loan and lease loss provision to assets | 0.3166% | 2,161 |
| Net operating income to assets | 0.6113% | 4,187 |
| Return on assets (ROA) | 0.4889% | 4,981 |
| Pretax return on assets | 0.4889% | 5,312 |
| Return on Equity (ROE) | 5.4587% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.4587% | 2,407 |
| Net charge-offs to loans | 0.5079% | 2,212 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.9307% | 3,962 |
| Efficiency ratio | 74.3101% | 3,020 |
| Assets per employee ($millions) | 8.9512% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4290% | 204 |
| Loan loss allowance to noncurrent loans | 93.7096% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 8.7732% | 291 |
| Noncurrent loans to loans | 4.7263% | 875 |
| Net loans and leases to total assets | 59.4020% | 3,703 |
| Net loans and leases to deposits | 77.0629% | 2,648 |
| Net loans and leases to core deposits | 91.0515% | 1,718 |
| Total domestic deposits to total assets | 77.0825% | 6,214 |
| Equity capital to assets | 9.1257% | 5,367 |
| Core capital (leverage) ratio | 11.8326% | 1,648 |
| Tier 1 risk-based capital ratio | 12.6083% | 5,394 |
| Total risk-based capital ratio | 13.8793% | 5,324 |
| Memoranda: | ||
| Average total assets | $2,243,589,000 | 320 |
| Average earning assets | $1,949,885,200 | 329 |
| Average equity | $200,965,000 | 375 |
| Average total loans | $1,398,437,600 | 320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 4,126 |
| Cost of funding earning assets | 0.9542% | 1,830 |
| Net interest margin | 3.4276% | 4,933 |
| Noninterest income to average assets | 0.7704% | 2,377 |
| Noninterest expense to average assets | 2.5198% | 5,014 |
| Loan and lease loss provision to assets | 0.3357% | 1,951 |
| Net operating income to assets | 0.8908% | 3,032 |
| Return on assets (ROA) | 0.8014% | 3,689 |
| Pretax return on assets | 0.8014% | 4,480 |
| Return on Equity (ROE) | 8.9882% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.9882% | 1,236 |
| Net charge-offs to loans | 0.6765% | 1,633 |
| Credit loss provision to net charge-offs | 79.5598% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.9069% | 3,869 |
| Efficiency ratio | 67.2604% | 4,219 |
| Assets per employee ($millions) | 9.0587% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3193% | 242 |
| Loan loss allowance to noncurrent loans | 74.3605% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 10.1479% | 237 |
| Noncurrent loans to loans | 5.8086% | 718 |
| Net loans and leases to total assets | 59.0471% | 3,955 |
| Net loans and leases to deposits | 76.5772% | 2,898 |
| Net loans and leases to core deposits | 93.5717% | 1,619 |
| Total domestic deposits to total assets | 77.1080% | 6,213 |
| Equity capital to assets | 9.3049% | 5,460 |
| Core capital (leverage) ratio | 11.9338% | 1,696 |
| Tier 1 risk-based capital ratio | 12.4954% | 5,650 |
| Total risk-based capital ratio | 13.7648% | 5,589 |
| Memoranda: | ||
| Average total assets | $2,253,985,750 | 320 |
| Average earning assets | $1,956,961,000 | 327 |
| Average equity | $200,969,500 | 372 |
| Average total loans | $1,405,884,500 | 319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 4,243 |
| Cost of funding earning assets | 0.9795% | 1,883 |
| Net interest margin | 3.4050% | 5,059 |
| Noninterest income to average assets | 0.7117% | 2,601 |
| Noninterest expense to average assets | 2.5393% | 5,001 |
| Loan and lease loss provision to assets | 0.5010% | 1,271 |
| Net operating income to assets | 0.6288% | 4,232 |
| Return on assets (ROA) | 0.5727% | 4,759 |
| Pretax return on assets | 0.5727% | 5,240 |
| Return on Equity (ROE) | 6.5156% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.5156% | 2,375 |
| Net charge-offs to loans | 0.8004% | 1,374 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.2552% | 3,868 |
| Efficiency ratio | 69.2074% | 3,894 |
| Assets per employee ($millions) | 9.0194% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3269% | 266 |
| Loan loss allowance to noncurrent loans | 72.4642% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 10.3426% | 244 |
| Noncurrent loans to loans | 5.9711% | 739 |
| Net loans and leases to total assets | 59.6798% | 3,881 |
| Net loans and leases to deposits | 76.5703% | 2,906 |
| Net loans and leases to core deposits | 94.4035% | 1,562 |
| Total domestic deposits to total assets | 77.9413% | 6,163 |
| Equity capital to assets | 8.8588% | 5,853 |
| Core capital (leverage) ratio | 11.4927% | 1,913 |
| Tier 1 risk-based capital ratio | 11.7707% | 6,077 |
| Total risk-based capital ratio | 13.0398% | 6,041 |
| Memoranda: | ||
| Average total assets | $2,265,522,330 | 318 |
| Average earning assets | $1,967,695,670 | 323 |
| Average equity | $199,122,670 | 375 |
| Average total loans | $1,417,967,000 | 319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 4,165 |
| Cost of funding earning assets | 1.0293% | 1,817 |
| Net interest margin | 3.4095% | 5,085 |
| Noninterest income to average assets | 1.3158% | 824 |
| Noninterest expense to average assets | 1.9554% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3251% | 234 |
| Return on assets (ROA) | 2.2941% | 294 |
| Pretax return on assets | 2.2941% | 457 |
| Return on Equity (ROE) | 26.2038% | 154 |
| Retained earnings to average equity (ytd only) | 26.2038% | 78 |
| Net charge-offs to loans | 0.1438% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 25.7817% | 1,018 |
| Efficiency ratio | 45.6815% | 6,916 |
| Assets per employee ($millions) | 9.2581% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1958% | 317 |
| Loan loss allowance to noncurrent loans | 50.2336% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 12.0697% | 201 |
| Noncurrent loans to loans | 8.3526% | 447 |
| Net loans and leases to total assets | 61.0023% | 3,452 |
| Net loans and leases to deposits | 78.3667% | 2,439 |
| Net loans and leases to core deposits | 95.7989% | 1,312 |
| Total domestic deposits to total assets | 77.8421% | 6,283 |
| Equity capital to assets | 9.1524% | 5,290 |
| Core capital (leverage) ratio | 11.6074% | 1,829 |
| Tier 1 risk-based capital ratio | 12.0841% | 5,905 |
| Total risk-based capital ratio | 13.3530% | 5,870 |
| Memoranda: | ||
| Average total assets | $2,275,367,500 | 311 |
| Average earning assets | $1,978,466,000 | 318 |
| Average equity | $199,207,500 | 365 |
| Average total loans | $1,426,487,500 | 315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 5,038 |
| Cost of funding earning assets | 1.1781% | 2,176 |
| Net interest margin | 3.3312% | 5,721 |
| Noninterest income to average assets | 0.7580% | 2,294 |
| Noninterest expense to average assets | 2.6490% | 4,924 |
| Loan and lease loss provision to assets | 2.0594% | 275 |
| Net operating income to assets | -1.0211% | 6,748 |
| Return on assets (ROA) | -1.1575% | 6,831 |
| Pretax return on assets | -1.1575% | 6,799 |
| Return on Equity (ROE) | -12.3529% | 6,809 |
| Retained earnings to average equity (ytd only) | -12.3529% | 6,782 |
| Net charge-offs to loans | 2.7381% | 389 |
| Credit loss provision to net charge-offs | 116.1806% | 2,793 |
| Earnings coverage of net charge-offs (x) | 0.5857% | 5,387 |
| Efficiency ratio | 71.8421% | 3,610 |
| Assets per employee ($millions) | 9.4304% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2673% | 302 |
| Loan loss allowance to noncurrent loans | 49.5447% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 11.6739% | 230 |
| Noncurrent loans to loans | 8.6131% | 429 |
| Net loans and leases to total assets | 59.0989% | 4,178 |
| Net loans and leases to deposits | 76.9933% | 3,001 |
| Net loans and leases to core deposits | 94.0882% | 1,685 |
| Total domestic deposits to total assets | 76.7584% | 6,370 |
| Equity capital to assets | 8.3664% | 6,287 |
| Core capital (leverage) ratio | 10.9452% | 2,312 |
| Tier 1 risk-based capital ratio | 11.6427% | 6,063 |
| Total risk-based capital ratio | 12.9124% | 6,035 |
| Memoranda: | ||
| Average total assets | $2,330,811,800 | 299 |
| Average earning assets | $2,049,573,200 | 302 |
| Average equity | $218,402,800 | 324 |
| Average total loans | $1,508,882,600 | 302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 5,215 |
| Cost of funding earning assets | 1.2101% | 2,257 |
| Net interest margin | 3.3062% | 5,842 |
| Noninterest income to average assets | 0.6597% | 2,826 |
| Noninterest expense to average assets | 2.5498% | 5,281 |
| Loan and lease loss provision to assets | 0.5702% | 1,721 |
| Net operating income to assets | 0.4530% | 4,758 |
| Return on assets (ROA) | 0.2490% | 5,718 |
| Pretax return on assets | 0.2490% | 5,811 |
| Return on Equity (ROE) | 2.5886% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.5886% | 4,815 |
| Net charge-offs to loans | 0.4613% | 2,888 |
| Credit loss provision to net charge-offs | 188.7861% | 1,546 |
| Earnings coverage of net charge-offs (x) | 3.3876% | 3,458 |
| Efficiency ratio | 71.3629% | 3,678 |
| Assets per employee ($millions) | 9.7514% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9332% | 412 |
| Loan loss allowance to noncurrent loans | 53.4123% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 10.0449% | 354 |
| Noncurrent loans to loans | 7.3638% | 647 |
| Net loans and leases to total assets | 61.9686% | 3,730 |
| Net loans and leases to deposits | 82.0772% | 2,341 |
| Net loans and leases to core deposits | 99.1340% | 1,322 |
| Total domestic deposits to total assets | 75.5004% | 6,591 |
| Equity capital to assets | 9.5939% | 4,943 |
| Core capital (leverage) ratio | 12.2277% | 1,577 |
| Tier 1 risk-based capital ratio | 12.9670% | 5,118 |
| Total risk-based capital ratio | 14.2351% | 5,075 |
| Memoranda: | ||
| Average total assets | $2,338,260,000 | 302 |
| Average earning assets | $2,060,385,250 | 304 |
| Average equity | $224,875,250 | 322 |
| Average total loans | $1,530,980,000 | 299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 5,471 |
| Cost of funding earning assets | 1.2467% | 2,269 |
| Net interest margin | 3.2176% | 6,110 |
| Noninterest income to average assets | 1.1491% | 975 |
| Noninterest expense to average assets | 2.2784% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7053% | 594 |
| Return on assets (ROA) | 1.7054% | 642 |
| Pretax return on assets | 1.7054% | 1,047 |
| Return on Equity (ROE) | 17.7191% | 486 |
| Retained earnings to average equity (ytd only) | 17.7191% | 144 |
| Net charge-offs to loans | 0.5996% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.3227% | 2,891 |
| Efficiency ratio | 57.1939% | 6,270 |
| Assets per employee ($millions) | 9.7008% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2450% | 729 |
| Loan loss allowance to noncurrent loans | 45.8978% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 9.8682% | 401 |
| Noncurrent loans to loans | 7.0702% | 724 |
| Net loans and leases to total assets | 63.1389% | 3,652 |
| Net loans and leases to deposits | 84.6585% | 2,002 |
| Net loans and leases to core deposits | 103.5041% | 1,074 |
| Total domestic deposits to total assets | 74.5807% | 6,774 |
| Equity capital to assets | 10.0809% | 4,042 |
| Core capital (leverage) ratio | 12.8618% | 1,216 |
| Tier 1 risk-based capital ratio | 13.5836% | 4,465 |
| Total risk-based capital ratio | 14.8463% | 4,438 |
| Memoranda: | ||
| Average total assets | $2,347,320,330 | 305 |
| Average earning assets | $2,067,946,330 | 309 |
| Average equity | $225,926,000 | 324 |
| Average total loans | $1,544,380,330 | 298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 5,419 |
| Cost of funding earning assets | 1.2790% | 2,307 |
| Net interest margin | 3.1973% | 6,075 |
| Noninterest income to average assets | 2.0507% | 345 |
| Noninterest expense to average assets | 2.0132% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.8550% | 123 |
| Return on assets (ROA) | 2.8371% | 128 |
| Pretax return on assets | 2.8371% | 168 |
| Return on Equity (ROE) | 30.1836% | 79 |
| Retained earnings to average equity (ytd only) | 30.1836% | 54 |
| Net charge-offs to loans | 0.1449% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 29.8262% | 832 |
| Efficiency ratio | 41.3541% | 7,364 |
| Assets per employee ($millions) | 9.7753% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4474% | 638 |
| Loan loss allowance to noncurrent loans | 58.1452% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 9.4048% | 449 |
| Noncurrent loans to loans | 5.9289% | 1,074 |
| Net loans and leases to total assets | 64.7912% | 3,288 |
| Net loans and leases to deposits | 87.1741% | 1,567 |
| Net loans and leases to core deposits | 106.0866% | 935 |
| Total domestic deposits to total assets | 74.3239% | 6,875 |
| Equity capital to assets | 9.9717% | 3,813 |
| Core capital (leverage) ratio | 12.3190% | 1,404 |
| Tier 1 risk-based capital ratio | 13.0800% | 4,765 |
| Total risk-based capital ratio | 14.3442% | 4,735 |
| Memoranda: | ||
| Average total assets | $2,356,881,500 | 303 |
| Average earning assets | $2,076,868,000 | 310 |
| Average equity | $221,537,500 | 328 |
| Average total loans | $1,556,920,000 | 297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 6,378 |
| Cost of funding earning assets | 1.3913% | 3,330 |
| Net interest margin | 3.1182% | 6,467 |
| Noninterest income to average assets | 0.5170% | 4,046 |
| Noninterest expense to average assets | 2.6078% | 5,383 |
| Loan and lease loss provision to assets | 0.1950% | 5,282 |
| Net operating income to assets | 0.4934% | 4,130 |
| Return on assets (ROA) | 0.5507% | 4,039 |
| Pretax return on assets | 0.5507% | 4,473 |
| Return on Equity (ROE) | 6.9662% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.9662% | 1,343 |
| Net charge-offs to loans | 0.7548% | 2,755 |
| Credit loss provision to net charge-offs | 39.7204% | 6,392 |
| Earnings coverage of net charge-offs (x) | 1.4019% | 4,711 |
| Efficiency ratio | 79.1150% | 2,519 |
| Assets per employee ($millions) | 9.5130% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4445% | 612 |
| Loan loss allowance to noncurrent loans | 49.7964% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 9.6776% | 436 |
| Noncurrent loans to loans | 6.9171% | 820 |
| Net loans and leases to total assets | 62.8150% | 4,110 |
| Net loans and leases to deposits | 83.3960% | 2,553 |
| Net loans and leases to core deposits | 101.2606% | 1,513 |
| Total domestic deposits to total assets | 75.3214% | 6,726 |
| Equity capital to assets | 8.8512% | 5,353 |
| Core capital (leverage) ratio | 11.6571% | 1,753 |
| Tier 1 risk-based capital ratio | 12.3268% | 5,183 |
| Total risk-based capital ratio | 13.5910% | 5,143 |
| Memoranda: | ||
| Average total assets | $2,563,446,400 | 278 |
| Average earning assets | $2,284,719,600 | 280 |
| Average equity | $202,635,600 | 348 |
| Average total loans | $1,667,810,200 | 286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 6,714 |
| Cost of funding earning assets | 1.4175% | 3,471 |
| Net interest margin | 3.0371% | 6,756 |
| Noninterest income to average assets | 0.4403% | 4,635 |
| Noninterest expense to average assets | 2.5289% | 5,609 |
| Loan and lease loss provision to assets | 0.2561% | 4,534 |
| Net operating income to assets | 0.3680% | 4,896 |
| Return on assets (ROA) | 0.4427% | 4,760 |
| Pretax return on assets | 0.4427% | 5,104 |
| Return on Equity (ROE) | 5.7595% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.7595% | 2,507 |
| Net charge-offs to loans | 0.9468% | 2,098 |
| Credit loss provision to net charge-offs | 41.5800% | 5,999 |
| Earnings coverage of net charge-offs (x) | 1.0132% | 5,047 |
| Efficiency ratio | 80.2044% | 2,310 |
| Assets per employee ($millions) | 9.9916% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3429% | 608 |
| Loan loss allowance to noncurrent loans | 42.7117% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 10.0086% | 411 |
| Noncurrent loans to loans | 7.8267% | 677 |
| Net loans and leases to total assets | 63.0801% | 4,305 |
| Net loans and leases to deposits | 82.6592% | 2,976 |
| Net loans and leases to core deposits | 103.2161% | 1,553 |
| Total domestic deposits to total assets | 76.3134% | 6,599 |
| Equity capital to assets | 8.3270% | 6,473 |
| Core capital (leverage) ratio | 11.1455% | 2,165 |
| Tier 1 risk-based capital ratio | 12.3203% | 5,154 |
| Total risk-based capital ratio | 13.5856% | 5,111 |
| Memoranda: | ||
| Average total assets | $2,602,608,750 | 273 |
| Average earning assets | $2,324,668,750 | 271 |
| Average equity | $200,036,750 | 349 |
| Average total loans | $1,693,322,500 | 279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 6,789 |
| Cost of funding earning assets | 1.4612% | 3,485 |
| Net interest margin | 2.9939% | 6,837 |
| Noninterest income to average assets | 0.2016% | 6,464 |
| Noninterest expense to average assets | 2.5196% | 5,648 |
| Loan and lease loss provision to assets | 0.3791% | 3,439 |
| Net operating income to assets | -0.0183% | 6,105 |
| Return on assets (ROA) | 0.0528% | 6,087 |
| Pretax return on assets | 0.0528% | 6,066 |
| Return on Equity (ROE) | 0.7052% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.7052% | 5,480 |
| Net charge-offs to loans | 1.4567% | 1,307 |
| Credit loss provision to net charge-offs | 40.0416% | 5,612 |
| Earnings coverage of net charge-offs (x) | 0.3811% | 5,356 |
| Efficiency ratio | 87.4717% | 1,559 |
| Assets per employee ($millions) | 10.1006% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2784% | 656 |
| Loan loss allowance to noncurrent loans | 39.1186% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 10.8723% | 335 |
| Noncurrent loans to loans | 8.3808% | 601 |
| Net loans and leases to total assets | 62.1348% | 4,658 |
| Net loans and leases to deposits | 80.1864% | 3,569 |
| Net loans and leases to core deposits | 97.6915% | 2,266 |
| Total domestic deposits to total assets | 77.4881% | 6,394 |
| Equity capital to assets | 7.7168% | 6,988 |
| Core capital (leverage) ratio | 10.3991% | 2,712 |
| Tier 1 risk-based capital ratio | 11.6581% | 5,622 |
| Total risk-based capital ratio | 12.9227% | 5,570 |
| Memoranda: | ||
| Average total assets | $2,637,514,670 | 268 |
| Average earning assets | $2,359,902,000 | 269 |
| Average equity | $197,382,330 | 349 |
| Average total loans | $1,714,374,670 | 278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 6,793 |
| Cost of funding earning assets | 1.5266% | 3,395 |
| Net interest margin | 2.9726% | 6,892 |
| Noninterest income to average assets | 0.5352% | 3,773 |
| Noninterest expense to average assets | 2.1114% | 6,907 |
| Loan and lease loss provision to assets | 0.7481% | 1,701 |
| Net operating income to assets | 0.3477% | 5,089 |
| Return on assets (ROA) | 0.2487% | 5,621 |
| Pretax return on assets | 0.2487% | 5,748 |
| Return on Equity (ROE) | 3.3732% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.3732% | 4,135 |
| Net charge-offs to loans | 0.6844% | 2,122 |
| Credit loss provision to net charge-offs | 167.2241% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.4495% | 3,315 |
| Efficiency ratio | 65.8332% | 5,156 |
| Assets per employee ($millions) | 10.5849% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6838% | 474 |
| Loan loss allowance to noncurrent loans | 46.2767% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 10.0138% | 398 |
| Noncurrent loans to loans | 7.9603% | 677 |
| Net loans and leases to total assets | 63.5333% | 4,423 |
| Net loans and leases to deposits | 81.4973% | 3,367 |
| Net loans and leases to core deposits | 99.6588% | 2,164 |
| Total domestic deposits to total assets | 77.9575% | 6,324 |
| Equity capital to assets | 7.5843% | 7,008 |
| Core capital (leverage) ratio | 9.9859% | 3,179 |
| Tier 1 risk-based capital ratio | 11.2276% | 5,926 |
| Total risk-based capital ratio | 12.4959% | 5,868 |
| Memoranda: | ||
| Average total assets | $2,673,497,500 | 277 |
| Average earning assets | $2,403,177,000 | 275 |
| Average equity | $197,084,000 | 355 |
| Average total loans | $1,747,495,500 | 286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 6,676 |
| Cost of funding earning assets | 1.8703% | 3,622 |
| Net interest margin | 3.0439% | 6,532 |
| Noninterest income to average assets | 0.7030% | 2,948 |
| Noninterest expense to average assets | 1.9481% | 7,441 |
| Loan and lease loss provision to assets | 0.7833% | 2,778 |
| Net operating income to assets | 0.7856% | 2,586 |
| Return on assets (ROA) | 0.0192% | 5,475 |
| Pretax return on assets | 0.0192% | 5,391 |
| Return on Equity (ROE) | 0.2813% | 5,448 |
| Retained earnings to average equity (ytd only) | -0.5380% | 5,121 |
| Net charge-offs to loans | 1.3433% | 1,855 |
| Credit loss provision to net charge-offs | 83.7621% | 6,198 |
| Earnings coverage of net charge-offs (x) | 1.6777% | 4,479 |
| Efficiency ratio | 55.3903% | 7,082 |
| Assets per employee ($millions) | 11.1989% | 202 |
| Cash dividends to net income (ytd only)* | 291.2621% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4749% | 542 |
| Loan loss allowance to noncurrent loans | 42.1364% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 9.7833% | 382 |
| Noncurrent loans to loans | 8.2468% | 592 |
| Net loans and leases to total assets | 62.5386% | 4,895 |
| Net loans and leases to deposits | 79.5042% | 4,088 |
| Net loans and leases to core deposits | 89.7570% | 5,157 |
| Total domestic deposits to total assets | 78.6607% | 6,080 |
| Equity capital to assets | 7.1684% | 7,284 |
| Core capital (leverage) ratio | 9.5171% | 3,693 |
| Tier 1 risk-based capital ratio | 11.1721% | 5,753 |
| Total risk-based capital ratio | 12.4394% | 5,692 |
| Memoranda: | ||
| Average total assets | $2,680,907,400 | 277 |
| Average earning assets | $2,478,420,600 | 269 |
| Average equity | $183,093,200 | 374 |
| Average total loans | $1,866,416,200 | 283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 6,827 |
| Cost of funding earning assets | 1.9407% | 3,661 |
| Net interest margin | 2.9838% | 6,644 |
| Noninterest income to average assets | 0.7078% | 2,965 |
| Noninterest expense to average assets | 1.7413% | 7,715 |
| Loan and lease loss provision to assets | 1.0494% | 1,837 |
| Net operating income to assets | 0.6914% | 3,243 |
| Return on assets (ROA) | 0.0084% | 5,750 |
| Pretax return on assets | 0.0084% | 5,687 |
| Return on Equity (ROE) | 0.1245% | 5,737 |
| Retained earnings to average equity (ytd only) | -0.9872% | 5,484 |
| Net charge-offs to loans | 0.9671% | 2,039 |
| Credit loss provision to net charge-offs | 153.1505% | 3,120 |
| Earnings coverage of net charge-offs (x) | 2.5405% | 3,954 |
| Efficiency ratio | 50.0065% | 7,552 |
| Assets per employee ($millions) | 11.6198% | 189 |
| Cash dividends to net income (ytd only)* | 892.8747% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9084% | 317 |
| Loan loss allowance to noncurrent loans | 35.7211% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 9.9220% | 348 |
| Noncurrent loans to loans | 10.9414% | 331 |
| Net loans and leases to total assets | 63.9843% | 4,876 |
| Net loans and leases to deposits | 81.3286% | 4,146 |
| Net loans and leases to core deposits | 93.9311% | 5,022 |
| Total domestic deposits to total assets | 78.6738% | 5,904 |
| Equity capital to assets | 7.4489% | 7,337 |
| Core capital (leverage) ratio | 9.6210% | 3,758 |
| Tier 1 risk-based capital ratio | 10.5537% | 6,413 |
| Total risk-based capital ratio | 11.8246% | 6,351 |
| Memoranda: | ||
| Average total assets | $2,668,003,750 | 287 |
| Average earning assets | $2,480,794,000 | 278 |
| Average equity | $179,897,000 | 389 |
| Average total loans | $1,890,420,250 | 289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 6,777 |
| Cost of funding earning assets | 2.0475% | 3,531 |
| Net interest margin | 2.9502% | 6,680 |
| Noninterest income to average assets | 0.6298% | 3,469 |
| Noninterest expense to average assets | 1.5459% | 7,947 |
| Loan and lease loss provision to assets | 1.6007% | 1,059 |
| Net operating income to assets | 0.2315% | 5,155 |
| Return on assets (ROA) | -0.8103% | 6,843 |
| Pretax return on assets | -0.8103% | 6,687 |
| Return on Equity (ROE) | -12.4829% | 7,198 |
| Retained earnings to average equity (ytd only) | -14.2441% | 7,196 |
| Net charge-offs to loans | 1.3333% | 1,388 |
| Credit loss provision to net charge-offs | 165.8768% | 2,764 |
| Earnings coverage of net charge-offs (x) | 1.8987% | 4,158 |
| Efficiency ratio | 45.7624% | 7,864 |
| Assets per employee ($millions) | 11.4727% | 180 |
| Cash dividends to net income (ytd only)* | -14.1097% | 7,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9384% | 274 |
| Loan loss allowance to noncurrent loans | 39.7739% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 9.5533% | 330 |
| Noncurrent loans to loans | 9.9019% | 357 |
| Net loans and leases to total assets | 65.7656% | 4,618 |
| Net loans and leases to deposits | 83.3214% | 3,992 |
| Net loans and leases to core deposits | 93.4482% | 5,181 |
| Total domestic deposits to total assets | 78.9301% | 5,831 |
| Equity capital to assets | 7.1603% | 7,514 |
| Core capital (leverage) ratio | 9.3696% | 4,072 |
| Tier 1 risk-based capital ratio | 9.9569% | 6,979 |
| Total risk-based capital ratio | 11.2277% | 6,881 |
| Memoranda: | ||
| Average total assets | $2,623,877,670 | 296 |
| Average earning assets | $2,444,318,670 | 293 |
| Average equity | $170,329,670 | 417 |
| Average total loans | $1,898,999,330 | 294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 6,543 |
| Cost of funding earning assets | 2.2002% | 3,165 |
| Net interest margin | 2.9352% | 6,657 |
| Noninterest income to average assets | 0.3950% | 5,253 |
| Noninterest expense to average assets | 1.2924% | 8,080 |
| Loan and lease loss provision to assets | 2.1054% | 564 |
| Net operating income to assets | -0.2556% | 6,626 |
| Return on assets (ROA) | -0.5193% | 6,945 |
| Pretax return on assets | -0.5193% | 6,832 |
| Return on Equity (ROE) | -8.4664% | 7,267 |
| Retained earnings to average equity (ytd only) | -12.2800% | 7,282 |
| Net charge-offs to loans | 2.5689% | 536 |
| Credit loss provision to net charge-offs | 110.0603% | 3,503 |
| Earnings coverage of net charge-offs (x) | 0.9670% | 4,289 |
| Efficiency ratio | 41.1306% | 8,021 |
| Assets per employee ($millions) | 11.0458% | 207 |
| Cash dividends to net income (ytd only)* | -45.0450% | 8,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5161% | 316 |
| Loan loss allowance to noncurrent loans | 33.8173% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 10.1040% | 221 |
| Noncurrent loans to loans | 10.3975% | 266 |
| Net loans and leases to total assets | 68.8822% | 3,945 |
| Net loans and leases to deposits | 86.2594% | 3,582 |
| Net loans and leases to core deposits | 96.2904% | 4,930 |
| Total domestic deposits to total assets | 79.8547% | 5,417 |
| Equity capital to assets | 5.8374% | 8,026 |
| Core capital (leverage) ratio | 8.0657% | 6,359 |
| Tier 1 risk-based capital ratio | 8.3237% | 7,976 |
| Total risk-based capital ratio | 9.5909% | 8,007 |
| Memoranda: | ||
| Average total assets | $2,564,834,000 | 304 |
| Average earning assets | $2,400,527,000 | 300 |
| Average equity | $157,328,500 | 451 |
| Average total loans | $1,909,898,000 | 295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0302% | 5,410 |
| Cost of funding earning assets | 2.7255% | 3,039 |
| Net interest margin | 3.3047% | 6,020 |
| Noninterest income to average assets | 0.2092% | 6,946 |
| Noninterest expense to average assets | 1.2755% | 8,131 |
| Loan and lease loss provision to assets | 1.7341% | 744 |
| Net operating income to assets | 0.3025% | 5,532 |
| Return on assets (ROA) | -3.2147% | 7,846 |
| Pretax return on assets | -3.2147% | 7,763 |
| Return on Equity (ROE) | -33.6744% | 8,008 |
| Retained earnings to average equity (ytd only) | -45.0578% | 8,091 |
| Net charge-offs to loans | 2.4375% | 406 |
| Credit loss provision to net charge-offs | 94.2172% | 5,563 |
| Earnings coverage of net charge-offs (x) | 1.1065% | 5,569 |
| Efficiency ratio | 38.5108% | 8,150 |
| Assets per employee ($millions) | 10.3682% | 230 |
| Cash dividends to net income (ytd only)* | -33.8044% | 8,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4174% | 302 |
| Loan loss allowance to noncurrent loans | 30.4741% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 11.2438% | 119 |
| Noncurrent loans to loans | 11.2142% | 160 |
| Net loans and leases to total assets | 75.1211% | 2,850 |
| Net loans and leases to deposits | 95.9246% | 2,466 |
| Net loans and leases to core deposits | 108.0723% | 3,962 |
| Total domestic deposits to total assets | 78.3127% | 5,607 |
| Equity capital to assets | 6.4541% | 7,949 |
| Core capital (leverage) ratio | 6.1055% | 8,048 |
| Tier 1 risk-based capital ratio | 6.3438% | 8,214 |
| Total risk-based capital ratio | 7.6119% | 8,216 |
| Memoranda: | ||
| Average total assets | $2,595,006,600 | 289 |
| Average earning assets | $2,436,617,600 | 281 |
| Average equity | $247,728,200 | 309 |
| Average total loans | $1,959,443,200 | 279 |