Home > Bank Rhode Island > Performance and Condition Ratios
Bank Rhode Island, 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 | 5.1189% | 1,820 |
| Cost of funding earning assets | 2.1036% | 779 |
| Net interest margin | 3.0152% | 3,246 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.8309% | 3,951 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8372% | 2,751 |
| Return on assets (ROA) | 0.8372% | 2,728 |
| Pretax return on assets | 1.0984% | 2,413 |
| Return on Equity (ROE) | 8.3400% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.3383% | 1,449 |
| Net charge-offs to loans | 0.0416% | 1,487 |
| Credit loss provision to net charge-offs | 548.5213% | 631 |
| Earnings coverage of net charge-offs (x) | 36.8623% | 1,498 |
| Efficiency ratio | 59.8052% | 3,099 |
| Assets per employee ($millions) | 11.3291% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,133 |
| Loan loss allowance to noncurrent loans | 678.8315% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,366 |
| Noncurrent loans to loans | 0.1807% | 2,611 |
| Net loans and leases to total assets | 82.6000% | 380 |
| Net loans and leases to deposits | 109.3499% | 212 |
| Net loans and leases to core deposits | 127.7740% | 444 |
| Total domestic deposits to total assets | 75.5400% | 3,982 |
| Equity capital to assets | 10.6356% | 1,659 |
| Core capital (leverage) ratio | 8.8862% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4564% | 2,730 |
| Memoranda: | ||
| Average total assets | $3,249,210,000 | 368 |
| Average earning assets | $2,984,585,200 | 362 |
| Average equity | $326,255,400 | 371 |
| Average total loans | $2,599,216,200 | 334 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 1,727 |
| Cost of funding earning assets | 2.0130% | 691 |
| Net interest margin | 3.0396% | 3,260 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.8417% | 3,898 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.7691% | 3,113 |
| Return on assets (ROA) | 0.7691% | 3,108 |
| Pretax return on assets | 1.0126% | 2,818 |
| Return on Equity (ROE) | 7.7800% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.7774% | 2,046 |
| Net charge-offs to loans | 0.0029% | 2,426 |
| Credit loss provision to net charge-offs | 10,121.4286% | 51 |
| Earnings coverage of net charge-offs (x) | 535.7500% | 292 |
| Efficiency ratio | 59.7675% | 2,994 |
| Assets per employee ($millions) | 10.9513% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 1,929 |
| Loan loss allowance to noncurrent loans | 411.8248% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 1,951 |
| Noncurrent loans to loans | 0.3124% | 2,114 |
| Net loans and leases to total assets | 82.9500% | 364 |
| Net loans and leases to deposits | 104.6281% | 333 |
| Net loans and leases to core deposits | 122.3133% | 500 |
| Total domestic deposits to total assets | 79.2800% | 3,641 |
| Equity capital to assets | 10.4379% | 1,585 |
| Core capital (leverage) ratio | 8.7052% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4674% | 2,735 |
| Memoranda: | ||
| Average total assets | $3,234,491,250 | 374 |
| Average earning assets | $2,967,564,000 | 368 |
| Average equity | $319,860,250 | 377 |
| Average total loans | $2,557,400,000 | 339 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,665 |
| Cost of funding earning assets | 1.9098% | 591 |
| Net interest margin | 3.0361% | 3,340 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.8275% | 3,946 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 0.6693% | 3,408 |
| Return on assets (ROA) | 0.6693% | 3,410 |
| Pretax return on assets | 0.8737% | 3,230 |
| Return on Equity (ROE) | 6.8900% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.8943% | 2,319 |
| Net charge-offs to loans | 0.0031% | 2,221 |
| Credit loss provision to net charge-offs | 14,610.2564% | 40 |
| Earnings coverage of net charge-offs (x) | 518.5385% | 286 |
| Efficiency ratio | 59.3798% | 3,035 |
| Assets per employee ($millions) | 10.7376% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 1,980 |
| Loan loss allowance to noncurrent loans | 512.6937% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,152 |
| Noncurrent loans to loans | 0.2511% | 2,258 |
| Net loans and leases to total assets | 82.1400% | 408 |
| Net loans and leases to deposits | 105.0013% | 334 |
| Net loans and leases to core deposits | 122.8188% | 455 |
| Total domestic deposits to total assets | 78.2300% | 3,821 |
| Equity capital to assets | 9.8490% | 1,944 |
| Core capital (leverage) ratio | 8.0000% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8278% | 2,865 |
| Memoranda: | ||
| Average total assets | $3,243,076,000 | 364 |
| Average earning assets | $2,970,425,667 | 356 |
| Average equity | $314,838,333 | 370 |
| Average total loans | $2,511,124,333 | 328 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 1,634 |
| Cost of funding earning assets | 1.7310% | 523 |
| Net interest margin | 3.0641% | 3,431 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8093% | 4,012 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.8537% | 3,003 |
| Return on assets (ROA) | 0.8537% | 2,955 |
| Pretax return on assets | 1.1133% | 2,671 |
| Return on Equity (ROE) | 8.8600% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.8583% | 1,990 |
| Net charge-offs to loans | -0.0065% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.6263% | 3,116 |
| Assets per employee ($millions) | 11.9843% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,402 |
| Loan loss allowance to noncurrent loans | 889.4737% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,803 |
| Noncurrent loans to loans | 0.1381% | 2,807 |
| Net loans and leases to total assets | 73.6800% | 1,245 |
| Net loans and leases to deposits | 97.0651% | 591 |
| Net loans and leases to core deposits | 113.4652% | 600 |
| Total domestic deposits to total assets | 75.9100% | 4,165 |
| Equity capital to assets | 9.5818% | 2,074 |
| Core capital (leverage) ratio | 7.9057% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4963% | 2,853 |
| Memoranda: | ||
| Average total assets | $3,243,231,500 | 374 |
| Average earning assets | $2,962,015,500 | 370 |
| Average equity | $312,567,000 | 382 |
| Average total loans | $2,417,444,000 | 351 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 2,374 |
| Cost of funding earning assets | 0.4991% | 1,399 |
| Net interest margin | 3.2617% | 2,673 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.8196% | 3,992 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.1821% | 1,851 |
| Return on assets (ROA) | 1.0447% | 2,341 |
| Pretax return on assets | 1.3924% | 1,790 |
| Return on Equity (ROE) | 9.8200% | 2,863 |
| Retained earnings to average equity (ytd only) | -5.3583% | 4,580 |
| Net charge-offs to loans | -0.0252% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.3369% | 3,768 |
| Assets per employee ($millions) | 10.9579% | 511 |
| Cash dividends to net income (ytd only)* | 154.5691% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,234 |
| Loan loss allowance to noncurrent loans | 891.0512% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,817 |
| Noncurrent loans to loans | 0.1383% | 2,822 |
| Net loans and leases to total assets | 73.5600% | 1,260 |
| Net loans and leases to deposits | 94.3355% | 759 |
| Net loans and leases to core deposits | 100.8276% | 954 |
| Total domestic deposits to total assets | 77.9800% | 4,094 |
| Equity capital to assets | 9.6959% | 1,888 |
| Core capital (leverage) ratio | 8.1308% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5738% | 2,845 |
| Memoranda: | ||
| Average total assets | $3,096,315,800 | 383 |
| Average earning assets | $2,838,530,600 | 378 |
| Average equity | $329,432,400 | 362 |
| Average total loans | $2,311,758,400 | 336 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 2,449 |
| Cost of funding earning assets | 0.3219% | 1,944 |
| Net interest margin | 3.2333% | 2,519 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8637% | 3,833 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.1613% | 1,851 |
| Return on assets (ROA) | 1.1613% | 1,826 |
| Pretax return on assets | 1.5403% | 1,302 |
| Return on Equity (ROE) | 10.6700% | 2,514 |
| Retained earnings to average equity (ytd only) | -5.6448% | 4,619 |
| Net charge-offs to loans | -0.0343% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.0341% | 3,622 |
| Assets per employee ($millions) | 10.3602% | 588 |
| Cash dividends to net income (ytd only)* | 152.8938% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,465 |
| Loan loss allowance to noncurrent loans | 928.6088% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 2,941 |
| Noncurrent loans to loans | 0.1305% | 2,984 |
| Net loans and leases to total assets | 76.7000% | 841 |
| Net loans and leases to deposits | 93.1091% | 692 |
| Net loans and leases to core deposits | 96.9733% | 952 |
| Total domestic deposits to total assets | 82.3700% | 3,777 |
| Equity capital to assets | 10.1118% | 1,562 |
| Core capital (leverage) ratio | 8.4972% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0810% | 2,795 |
| Memoranda: | ||
| Average total assets | $3,078,689,250 | 386 |
| Average earning assets | $2,834,141,250 | 381 |
| Average equity | $335,027,500 | 358 |
| Average total loans | $2,300,048,500 | 333 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 2,576 |
| Cost of funding earning assets | 0.2377% | 2,419 |
| Net interest margin | 3.1113% | 2,499 |
| Noninterest income to average assets | 0.3301% | 3,185 |
| Noninterest expense to average assets | 1.9106% | 3,677 |
| Loan and lease loss provision to assets | -0.1734% | 4,666 |
| Net operating income to assets | 1.1084% | 1,741 |
| Return on assets (ROA) | 1.1084% | 1,719 |
| Pretax return on assets | 1.4677% | 1,259 |
| Return on Equity (ROE) | 9.9569% | 2,351 |
| Retained earnings to average equity (ytd only) | 4.7408% | 2,802 |
| Net charge-offs to loans | -0.0082% | 3,517 |
| Credit loss provision to net charge-offs | 3,027.6596% | 171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3961% | 3,383 |
| Assets per employee ($millions) | 10.0383% | 648 |
| Cash dividends to net income (ytd only)* | 52.3865% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,650 |
| Loan loss allowance to noncurrent loans | 1,025.1101% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,084 |
| Noncurrent loans to loans | 0.1178% | 3,143 |
| Net loans and leases to total assets | 76.1323% | 719 |
| Net loans and leases to deposits | 89.2113% | 765 |
| Net loans and leases to core deposits | 92.8746% | 981 |
| Total domestic deposits to total assets | 85.3392% | 3,406 |
| Equity capital to assets | 11.2972% | 1,102 |
| Core capital (leverage) ratio | 9.0298% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0851% | 2,457 |
| Memoranda: | ||
| Average total assets | $3,099,980,333 | 376 |
| Average earning assets | $2,864,367,000 | 372 |
| Average equity | $345,086,000 | 352 |
| Average total loans | $2,286,523,000 | 328 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 2,612 |
| Cost of funding earning assets | 0.2319% | 2,371 |
| Net interest margin | 2.9940% | 2,523 |
| Noninterest income to average assets | 0.3264% | 3,147 |
| Noninterest expense to average assets | 1.9703% | 3,506 |
| Loan and lease loss provision to assets | -0.0989% | 4,600 |
| Net operating income to assets | 0.9266% | 2,172 |
| Return on assets (ROA) | 0.9266% | 2,165 |
| Pretax return on assets | 1.2286% | 1,705 |
| Return on Equity (ROE) | 8.3829% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.2118% | 3,193 |
| Net charge-offs to loans | -0.0139% | 3,728 |
| Credit loss provision to net charge-offs | 1,531.6456% | 254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3328% | 3,098 |
| Assets per employee ($millions) | 10.0310% | 672 |
| Cash dividends to net income (ytd only)* | 61.6861% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,338 |
| Loan loss allowance to noncurrent loans | 646.0748% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,766 |
| Noncurrent loans to loans | 0.2020% | 2,811 |
| Net loans and leases to total assets | 71.8655% | 849 |
| Net loans and leases to deposits | 84.6002% | 846 |
| Net loans and leases to core deposits | 88.2098% | 1,009 |
| Total domestic deposits to total assets | 84.9472% | 3,542 |
| Equity capital to assets | 10.9923% | 1,332 |
| Core capital (leverage) ratio | 8.6154% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8733% | 2,651 |
| Memoranda: | ||
| Average total assets | $3,149,242,000 | 373 |
| Average earning assets | $2,917,297,500 | 368 |
| Average equity | $348,088,500 | 361 |
| Average total loans | $2,273,284,000 | 329 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 2,860 |
| Cost of funding earning assets | 0.3032% | 2,381 |
| Net interest margin | 3.1234% | 2,830 |
| Noninterest income to average assets | 0.4071% | 3,012 |
| Noninterest expense to average assets | 1.7787% | 4,173 |
| Loan and lease loss provision to assets | -0.1055% | 4,541 |
| Net operating income to assets | 1.2300% | 1,813 |
| Return on assets (ROA) | 1.2233% | 1,894 |
| Pretax return on assets | 1.6220% | 1,367 |
| Return on Equity (ROE) | 11.2331% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.0460% | 2,339 |
| Net charge-offs to loans | 0.0726% | 1,066 |
| Credit loss provision to net charge-offs | -239.8087% | 3,560 |
| Earnings coverage of net charge-offs (x) | 29.0478% | 1,627 |
| Efficiency ratio | 53.3749% | 3,996 |
| Assets per employee ($millions) | 10.2536% | 619 |
| Cash dividends to net income (ytd only)* | 46.1775% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,168 |
| Loan loss allowance to noncurrent loans | 610.0835% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,840 |
| Noncurrent loans to loans | 0.2203% | 2,863 |
| Net loans and leases to total assets | 70.6083% | 972 |
| Net loans and leases to deposits | 84.0162% | 906 |
| Net loans and leases to core deposits | 87.8503% | 1,084 |
| Total domestic deposits to total assets | 84.0413% | 3,550 |
| Equity capital to assets | 11.1124% | 1,728 |
| Core capital (leverage) ratio | 8.5847% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6135% | 2,750 |
| Memoranda: | ||
| Average total assets | $3,186,585,800 | 356 |
| Average earning assets | $2,955,274,600 | 353 |
| Average equity | $347,009,000 | 359 |
| Average total loans | $2,305,246,200 | 324 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 2,932 |
| Cost of funding earning assets | 0.3213% | 2,394 |
| Net interest margin | 3.1448% | 2,919 |
| Noninterest income to average assets | 0.4279% | 2,939 |
| Noninterest expense to average assets | 1.7741% | 4,213 |
| Loan and lease loss provision to assets | -0.1170% | 4,641 |
| Net operating income to assets | 1.2598% | 1,955 |
| Return on assets (ROA) | 1.2598% | 2,013 |
| Pretax return on assets | 1.6855% | 1,442 |
| Return on Equity (ROE) | 11.6283% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.4137% | 2,642 |
| Net charge-offs to loans | 0.0077% | 2,031 |
| Credit loss provision to net charge-offs | -2,575.1880% | 4,042 |
| Earnings coverage of net charge-offs (x) | 281.8045% | 454 |
| Efficiency ratio | 52.6160% | 3,968 |
| Assets per employee ($millions) | 9.9134% | 653 |
| Cash dividends to net income (ytd only)* | 44.8445% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,652 |
| Loan loss allowance to noncurrent loans | 459.7477% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,630 |
| Noncurrent loans to loans | 0.3253% | 2,619 |
| Net loans and leases to total assets | 69.4054% | 1,145 |
| Net loans and leases to deposits | 81.9225% | 1,122 |
| Net loans and leases to core deposits | 88.2537% | 1,137 |
| Total domestic deposits to total assets | 84.7208% | 3,208 |
| Equity capital to assets | 11.2796% | 1,833 |
| Core capital (leverage) ratio | 8.3324% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0529% | 2,693 |
| Memoranda: | ||
| Average total assets | $3,186,012,000 | 359 |
| Average earning assets | $2,952,897,750 | 356 |
| Average equity | $345,171,000 | 361 |
| Average total loans | $2,310,985,250 | 324 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 3,146 |
| Cost of funding earning assets | 0.3385% | 2,420 |
| Net interest margin | 3.0727% | 3,108 |
| Noninterest income to average assets | 0.4646% | 2,782 |
| Noninterest expense to average assets | 1.7532% | 4,273 |
| Loan and lease loss provision to assets | -0.1996% | 4,753 |
| Net operating income to assets | 1.3109% | 1,831 |
| Return on assets (ROA) | 1.3109% | 1,903 |
| Pretax return on assets | 1.7575% | 1,336 |
| Return on Equity (ROE) | 12.2626% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.0177% | 2,425 |
| Net charge-offs to loans | 0.0066% | 1,894 |
| Credit loss provision to net charge-offs | -4,332.0513% | 3,959 |
| Earnings coverage of net charge-offs (x) | 320.6026% | 358 |
| Efficiency ratio | 52.4911% | 3,989 |
| Assets per employee ($millions) | 10.0379% | 602 |
| Cash dividends to net income (ytd only)* | 42.7716% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,782 |
| Loan loss allowance to noncurrent loans | 537.6634% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 2,999 |
| Noncurrent loans to loans | 0.2691% | 2,976 |
| Net loans and leases to total assets | 69.9846% | 1,198 |
| Net loans and leases to deposits | 83.4672% | 1,097 |
| Net loans and leases to core deposits | 87.1266% | 1,338 |
| Total domestic deposits to total assets | 83.8469% | 3,481 |
| Equity capital to assets | 10.8858% | 2,082 |
| Core capital (leverage) ratio | 8.2908% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0812% | 2,691 |
| Memoranda: | ||
| Average total assets | $3,210,412,667 | 350 |
| Average earning assets | $2,974,026,000 | 347 |
| Average equity | $343,190,333 | 359 |
| Average total loans | $2,350,226,667 | 321 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 3,315 |
| Cost of funding earning assets | 0.3763% | 2,304 |
| Net interest margin | 2.9820% | 3,313 |
| Noninterest income to average assets | 0.2969% | 3,632 |
| Noninterest expense to average assets | 1.7487% | 4,291 |
| Loan and lease loss provision to assets | -0.0440% | 4,642 |
| Net operating income to assets | 1.0192% | 2,752 |
| Return on assets (ROA) | 1.0192% | 2,835 |
| Pretax return on assets | 1.3501% | 2,432 |
| Return on Equity (ROE) | 9.6224% | 2,810 |
| Retained earnings to average equity (ytd only) | 4.3360% | 3,407 |
| Net charge-offs to loans | 0.0328% | 1,156 |
| Credit loss provision to net charge-offs | -444.3878% | 3,141 |
| Earnings coverage of net charge-offs (x) | 53.5510% | 869 |
| Efficiency ratio | 56.7477% | 3,460 |
| Assets per employee ($millions) | 10.1974% | 560 |
| Cash dividends to net income (ytd only)* | 54.9383% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,764 |
| Loan loss allowance to noncurrent loans | 595.2774% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 2,382 |
| Noncurrent loans to loans | 0.2439% | 3,224 |
| Net loans and leases to total assets | 75.5503% | 673 |
| Net loans and leases to deposits | 93.3647% | 525 |
| Net loans and leases to core deposits | 99.1433% | 753 |
| Total domestic deposits to total assets | 80.9196% | 4,072 |
| Equity capital to assets | 10.6914% | 2,093 |
| Core capital (leverage) ratio | 7.8420% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6769% | 2,772 |
| Memoranda: | ||
| Average total assets | $3,214,569,000 | 349 |
| Average earning assets | $2,972,902,000 | 346 |
| Average equity | $340,498,000 | 358 |
| Average total loans | $2,388,399,000 | 317 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 3,880 |
| Cost of funding earning assets | 0.6479% | 2,005 |
| Net interest margin | 2.9214% | 4,071 |
| Noninterest income to average assets | 0.3230% | 3,526 |
| Noninterest expense to average assets | 1.8686% | 4,366 |
| Loan and lease loss provision to assets | 0.6241% | 306 |
| Net operating income to assets | 0.3993% | 4,246 |
| Return on assets (ROA) | 0.4002% | 4,326 |
| Pretax return on assets | 0.5175% | 4,243 |
| Return on Equity (ROE) | 3.5464% | 4,258 |
| Retained earnings to average equity (ytd only) | 0.8728% | 4,266 |
| Net charge-offs to loans | 0.1165% | 1,321 |
| Credit loss provision to net charge-offs | 719.2427% | 981 |
| Earnings coverage of net charge-offs (x) | 13.1430% | 2,296 |
| Efficiency ratio | 61.2241% | 3,272 |
| Assets per employee ($millions) | 10.6115% | 443 |
| Cash dividends to net income (ytd only)* | 75.3895% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,428 |
| Loan loss allowance to noncurrent loans | 534.7206% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 2,486 |
| Noncurrent loans to loans | 0.2899% | 3,161 |
| Net loans and leases to total assets | 70.8817% | 1,445 |
| Net loans and leases to deposits | 88.2777% | 1,062 |
| Net loans and leases to core deposits | 94.5285% | 1,208 |
| Total domestic deposits to total assets | 80.2940% | 3,999 |
| Equity capital to assets | 10.4959% | 2,675 |
| Core capital (leverage) ratio | 7.7801% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2877% | 2,845 |
| Memoranda: | ||
| Average total assets | $2,982,740,400 | 339 |
| Average earning assets | $2,742,322,400 | 340 |
| Average equity | $336,619,400 | 343 |
| Average total loans | $2,220,588,600 | 323 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 3,961 |
| Cost of funding earning assets | 0.7090% | 1,974 |
| Net interest margin | 2.9172% | 4,152 |
| Noninterest income to average assets | 0.3294% | 3,508 |
| Noninterest expense to average assets | 1.8977% | 4,328 |
| Loan and lease loss provision to assets | 0.8833% | 183 |
| Net operating income to assets | 0.1667% | 4,635 |
| Return on assets (ROA) | 0.1680% | 4,671 |
| Pretax return on assets | 0.2280% | 4,626 |
| Return on Equity (ROE) | 1.4602% | 4,628 |
| Retained earnings to average equity (ytd only) | -2.1187% | 4,711 |
| Net charge-offs to loans | 0.0127% | 2,654 |
| Credit loss provision to net charge-offs | 9,281.2500% | 129 |
| Earnings coverage of net charge-offs (x) | 116.5962% | 708 |
| Efficiency ratio | 62.2043% | 3,040 |
| Assets per employee ($millions) | 10.3965% | 443 |
| Cash dividends to net income (ytd only)* | 245.0980% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 1,001 |
| Loan loss allowance to noncurrent loans | 270.3229% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,355 |
| Noncurrent loans to loans | 0.6069% | 2,282 |
| Net loans and leases to total assets | 74.0735% | 1,362 |
| Net loans and leases to deposits | 96.7609% | 705 |
| Net loans and leases to core deposits | 105.5833% | 864 |
| Total domestic deposits to total assets | 76.5531% | 4,379 |
| Equity capital to assets | 10.4818% | 2,804 |
| Core capital (leverage) ratio | 7.5897% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8659% | 2,947 |
| Memoranda: | ||
| Average total assets | $2,913,989,500 | 337 |
| Average earning assets | $2,674,986,750 | 336 |
| Average equity | $335,291,500 | 340 |
| Average total loans | $2,189,359,500 | 322 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 3,994 |
| Cost of funding earning assets | 0.7897% | 1,880 |
| Net interest margin | 2.9537% | 4,223 |
| Noninterest income to average assets | 0.3394% | 3,443 |
| Noninterest expense to average assets | 1.9464% | 4,336 |
| Loan and lease loss provision to assets | 0.8399% | 281 |
| Net operating income to assets | 0.2098% | 4,565 |
| Return on assets (ROA) | 0.2119% | 4,600 |
| Pretax return on assets | 0.2592% | 4,580 |
| Return on Equity (ROE) | 1.7816% | 4,568 |
| Retained earnings to average equity (ytd only) | -0.9006% | 4,464 |
| Net charge-offs to loans | 0.0139% | 2,475 |
| Credit loss provision to net charge-offs | 8,059.8639% | 139 |
| Earnings coverage of net charge-offs (x) | 105.2381% | 678 |
| Efficiency ratio | 63.0451% | 2,948 |
| Assets per employee ($millions) | 10.1525% | 478 |
| Cash dividends to net income (ytd only)* | 150.5520% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,752 |
| Loan loss allowance to noncurrent loans | 235.6455% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,580 |
| Noncurrent loans to loans | 0.5749% | 2,434 |
| Net loans and leases to total assets | 74.1247% | 1,394 |
| Net loans and leases to deposits | 99.9164% | 558 |
| Net loans and leases to core deposits | 110.8824% | 703 |
| Total domestic deposits to total assets | 74.1867% | 4,582 |
| Equity capital to assets | 10.7585% | 2,522 |
| Core capital (leverage) ratio | 7.9775% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1225% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,821,407,000 | 345 |
| Average earning assets | $2,582,550,000 | 340 |
| Average equity | $335,537,667 | 334 |
| Average total loans | $2,117,925,000 | 327 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 4,011 |
| Cost of funding earning assets | 0.9141% | 1,794 |
| Net interest margin | 2.9989% | 4,283 |
| Noninterest income to average assets | 0.4311% | 2,902 |
| Noninterest expense to average assets | 2.4710% | 3,356 |
| Loan and lease loss provision to assets | 2.0227% | 68 |
| Net operating income to assets | -0.9847% | 4,987 |
| Return on assets (ROA) | -0.9848% | 4,968 |
| Pretax return on assets | -1.3311% | 4,984 |
| Return on Equity (ROE) | -7.8382% | 4,974 |
| Retained earnings to average equity (ytd only) | -7.8382% | 4,682 |
| Net charge-offs to loans | -0.0002% | 3,580 |
| Credit loss provision to net charge-offs | -1,344,200.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1931% | 1,433 |
| Assets per employee ($millions) | 9.2971% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 931 |
| Loan loss allowance to noncurrent loans | 149.3082% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 1,662 |
| Noncurrent loans to loans | 1.1129% | 1,490 |
| Net loans and leases to total assets | 71.9136% | 1,931 |
| Net loans and leases to deposits | 101.0597% | 490 |
| Net loans and leases to core deposits | 113.8178% | 673 |
| Total domestic deposits to total assets | 71.1595% | 4,808 |
| Equity capital to assets | 11.9649% | 2,096 |
| Core capital (leverage) ratio | 9.3467% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9509% | 3,115 |
| Memoranda: | ||
| Average total assets | $2,658,469,000 | 350 |
| Average earning assets | $2,421,580,500 | 351 |
| Average equity | $334,006,000 | 333 |
| Average total loans | $1,994,412,000 | 334 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,854 |
| Cost of funding earning assets | 1.0618% | 1,467 |
| Net interest margin | 3.4654% | 3,549 |
| Noninterest income to average assets | 0.5071% | 2,690 |
| Noninterest expense to average assets | 2.2182% | 4,127 |
| Loan and lease loss provision to assets | 0.0620% | 2,795 |
| Net operating income to assets | 1.0226% | 2,759 |
| Return on assets (ROA) | 1.0235% | 2,847 |
| Pretax return on assets | 1.3546% | 2,314 |
| Return on Equity (ROE) | 7.8448% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.8448% | 1,024 |
| Net charge-offs to loans | 0.0616% | 2,222 |
| Credit loss provision to net charge-offs | 128.8281% | 1,981 |
| Earnings coverage of net charge-offs (x) | 29.4149% | 1,602 |
| Efficiency ratio | 59.8221% | 3,723 |
| Assets per employee ($millions) | 8.3733% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 3,913 |
| Loan loss allowance to noncurrent loans | 135.5924% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,349 |
| Noncurrent loans to loans | 0.6714% | 2,205 |
| Net loans and leases to total assets | 76.3927% | 1,343 |
| Net loans and leases to deposits | 99.0555% | 662 |
| Net loans and leases to core deposits | 111.5798% | 771 |
| Total domestic deposits to total assets | 77.1211% | 4,477 |
| Equity capital to assets | 13.2201% | 1,407 |
| Core capital (leverage) ratio | 9.9735% | 3,548 |
| Tier 1 risk-based capital ratio | 11.7497% | 4,498 |
| Total risk-based capital ratio | 12.6471% | 4,564 |
| Memoranda: | ||
| Average total assets | $2,429,134,800 | 357 |
| Average earning assets | $2,191,757,800 | 358 |
| Average equity | $316,921,600 | 330 |
| Average total loans | $1,898,634,800 | 337 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 2,856 |
| Cost of funding earning assets | 1.0770% | 1,439 |
| Net interest margin | 3.4839% | 3,611 |
| Noninterest income to average assets | 0.5166% | 2,625 |
| Noninterest expense to average assets | 2.2446% | 4,083 |
| Loan and lease loss provision to assets | 0.0562% | 2,786 |
| Net operating income to assets | 1.0256% | 2,884 |
| Return on assets (ROA) | 1.0268% | 2,955 |
| Pretax return on assets | 1.3517% | 2,488 |
| Return on Equity (ROE) | 7.8978% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.8978% | 1,443 |
| Net charge-offs to loans | 0.0601% | 1,955 |
| Credit loss provision to net charge-offs | 119.0588% | 1,965 |
| Earnings coverage of net charge-offs (x) | 29.8105% | 1,630 |
| Efficiency ratio | 60.2487% | 3,592 |
| Assets per employee ($millions) | 8.3326% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,029 |
| Loan loss allowance to noncurrent loans | 116.0545% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,141 |
| Noncurrent loans to loans | 0.7778% | 2,024 |
| Net loans and leases to total assets | 78.2078% | 1,105 |
| Net loans and leases to deposits | 103.9800% | 416 |
| Net loans and leases to core deposits | 116.1092% | 650 |
| Total domestic deposits to total assets | 75.2143% | 4,725 |
| Equity capital to assets | 13.1039% | 1,564 |
| Core capital (leverage) ratio | 9.8153% | 3,832 |
| Tier 1 risk-based capital ratio | 11.3057% | 4,758 |
| Total risk-based capital ratio | 12.2038% | 4,811 |
| Memoranda: | ||
| Average total assets | $2,402,144,250 | 362 |
| Average earning assets | $2,161,166,500 | 364 |
| Average equity | $312,300,500 | 337 |
| Average total loans | $1,884,302,750 | 343 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 2,786 |
| Cost of funding earning assets | 1.0631% | 1,438 |
| Net interest margin | 3.5014% | 3,592 |
| Noninterest income to average assets | 0.5078% | 2,633 |
| Noninterest expense to average assets | 2.2778% | 4,063 |
| Loan and lease loss provision to assets | 0.0603% | 2,618 |
| Net operating income to assets | 1.0067% | 2,895 |
| Return on assets (ROA) | 1.0079% | 2,966 |
| Pretax return on assets | 1.3266% | 2,455 |
| Return on Equity (ROE) | 7.7742% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.7742% | 1,485 |
| Net charge-offs to loans | 0.0682% | 1,680 |
| Credit loss provision to net charge-offs | 112.9134% | 1,817 |
| Earnings coverage of net charge-offs (x) | 25.9386% | 1,580 |
| Efficiency ratio | 60.9441% | 3,585 |
| Assets per employee ($millions) | 8.0350% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 3,968 |
| Loan loss allowance to noncurrent loans | 98.7010% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 1,862 |
| Noncurrent loans to loans | 0.9401% | 1,729 |
| Net loans and leases to total assets | 78.0071% | 1,216 |
| Net loans and leases to deposits | 104.9644% | 379 |
| Net loans and leases to core deposits | 117.2742% | 638 |
| Total domestic deposits to total assets | 74.3176% | 4,810 |
| Equity capital to assets | 13.1965% | 1,490 |
| Core capital (leverage) ratio | 9.6367% | 3,993 |
| Tier 1 risk-based capital ratio | 11.4538% | 4,707 |
| Total risk-based capital ratio | 12.3859% | 4,755 |
| Memoranda: | ||
| Average total assets | $2,377,926,670 | 365 |
| Average earning assets | $2,142,885,000 | 367 |
| Average equity | $308,302,330 | 341 |
| Average total loans | $1,861,365,000 | 347 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 2,585 |
| Cost of funding earning assets | 1.0273% | 1,456 |
| Net interest margin | 3.5571% | 3,410 |
| Noninterest income to average assets | 0.4244% | 3,014 |
| Noninterest expense to average assets | 2.3131% | 3,984 |
| Loan and lease loss provision to assets | 0.0401% | 2,825 |
| Net operating income to assets | 0.9727% | 2,962 |
| Return on assets (ROA) | 0.9739% | 2,997 |
| Pretax return on assets | 1.2793% | 2,534 |
| Return on Equity (ROE) | 7.5806% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.5806% | 1,810 |
| Net charge-offs to loans | 0.0477% | 1,599 |
| Credit loss provision to net charge-offs | 107.7273% | 1,513 |
| Earnings coverage of net charge-offs (x) | 35.4273% | 1,232 |
| Efficiency ratio | 62.4476% | 3,462 |
| Assets per employee ($millions) | 8.1873% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,989 |
| Loan loss allowance to noncurrent loans | 102.3471% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,914 |
| Noncurrent loans to loans | 0.9213% | 1,814 |
| Net loans and leases to total assets | 76.8395% | 1,339 |
| Net loans and leases to deposits | 105.2816% | 347 |
| Net loans and leases to core deposits | 118.1318% | 576 |
| Total domestic deposits to total assets | 72.9848% | 5,000 |
| Equity capital to assets | 12.8844% | 1,520 |
| Core capital (leverage) ratio | 9.4852% | 4,148 |
| Tier 1 risk-based capital ratio | 11.5653% | 4,709 |
| Total risk-based capital ratio | 12.5301% | 4,759 |
| Memoranda: | ||
| Average total assets | $2,365,656,500 | 370 |
| Average earning assets | $2,132,538,500 | 371 |
| Average equity | $303,932,500 | 346 |
| Average total loans | $1,846,224,500 | 352 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 3,097 |
| Cost of funding earning assets | 0.7872% | 1,596 |
| Net interest margin | 3.5174% | 3,645 |
| Noninterest income to average assets | 0.5216% | 2,710 |
| Noninterest expense to average assets | 2.2938% | 4,134 |
| Loan and lease loss provision to assets | 0.0572% | 3,022 |
| Net operating income to assets | 1.0311% | 2,884 |
| Return on assets (ROA) | 1.0312% | 2,871 |
| Pretax return on assets | 1.3477% | 2,328 |
| Return on Equity (ROE) | 8.0523% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.3231% | 2,583 |
| Net charge-offs to loans | -0.0261% | 4,768 |
| Credit loss provision to net charge-offs | -280.9013% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3813% | 3,789 |
| Assets per employee ($millions) | 8.0711% | 645 |
| Cash dividends to net income (ytd only)* | 33.8926% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,957 |
| Loan loss allowance to noncurrent loans | 105.5274% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 1,912 |
| Noncurrent loans to loans | 0.9007% | 1,780 |
| Net loans and leases to total assets | 77.7784% | 1,308 |
| Net loans and leases to deposits | 106.3747% | 356 |
| Net loans and leases to core deposits | 119.1943% | 571 |
| Total domestic deposits to total assets | 73.1174% | 4,999 |
| Equity capital to assets | 12.8103% | 1,430 |
| Core capital (leverage) ratio | 9.3529% | 4,296 |
| Tier 1 risk-based capital ratio | 11.3693% | 4,785 |
| Total risk-based capital ratio | 12.3456% | 4,821 |
| Memoranda: | ||
| Average total assets | $2,289,085,800 | 379 |
| Average earning assets | $2,067,435,800 | 375 |
| Average equity | $293,135,000 | 346 |
| Average total loans | $1,786,994,400 | 355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 3,186 |
| Cost of funding earning assets | 0.7272% | 1,704 |
| Net interest margin | 3.5096% | 3,665 |
| Noninterest income to average assets | 0.5022% | 2,852 |
| Noninterest expense to average assets | 2.2782% | 4,152 |
| Loan and lease loss provision to assets | 0.0440% | 3,111 |
| Net operating income to assets | 1.0337% | 2,949 |
| Return on assets (ROA) | 1.0336% | 2,960 |
| Pretax return on assets | 1.3499% | 2,430 |
| Return on Equity (ROE) | 8.0718% | 3,515 |
| Retained earnings to average equity (ytd only) | 8.0718% | 1,610 |
| Net charge-offs to loans | -0.0807% | 5,098 |
| Credit loss provision to net charge-offs | -69.9255% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3793% | 3,756 |
| Assets per employee ($millions) | 7.8880% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,988 |
| Loan loss allowance to noncurrent loans | 95.7165% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 1,815 |
| Noncurrent loans to loans | 1.0061% | 1,701 |
| Net loans and leases to total assets | 77.9520% | 1,348 |
| Net loans and leases to deposits | 108.3652% | 341 |
| Net loans and leases to core deposits | 121.4750% | 531 |
| Total domestic deposits to total assets | 71.9345% | 5,135 |
| Equity capital to assets | 12.9250% | 1,366 |
| Core capital (leverage) ratio | 9.6587% | 3,986 |
| Tier 1 risk-based capital ratio | 11.6832% | 4,683 |
| Total risk-based capital ratio | 12.6787% | 4,710 |
| Memoranda: | ||
| Average total assets | $2,276,201,250 | 378 |
| Average earning assets | $2,055,970,000 | 376 |
| Average equity | $291,458,750 | 345 |
| Average total loans | $1,774,250,750 | 356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,296 |
| Cost of funding earning assets | 0.6754% | 1,770 |
| Net interest margin | 3.4695% | 3,735 |
| Noninterest income to average assets | 0.4889% | 2,927 |
| Noninterest expense to average assets | 2.3247% | 4,093 |
| Loan and lease loss provision to assets | 0.0816% | 2,277 |
| Net operating income to assets | 0.9368% | 3,298 |
| Return on assets (ROA) | 0.9368% | 3,303 |
| Pretax return on assets | 1.2167% | 2,887 |
| Return on Equity (ROE) | 7.3395% | 3,782 |
| Retained earnings to average equity (ytd only) | 7.3395% | 1,906 |
| Net charge-offs to loans | -0.0741% | 5,057 |
| Credit loss provision to net charge-offs | -141.7178% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4762% | 3,563 |
| Assets per employee ($millions) | 7.6401% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,022 |
| Loan loss allowance to noncurrent loans | 87.2663% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,694 |
| Noncurrent loans to loans | 1.1088% | 1,593 |
| Net loans and leases to total assets | 77.1194% | 1,451 |
| Net loans and leases to deposits | 104.6498% | 499 |
| Net loans and leases to core deposits | 115.6257% | 722 |
| Total domestic deposits to total assets | 73.6928% | 5,072 |
| Equity capital to assets | 12.7747% | 1,406 |
| Core capital (leverage) ratio | 9.3226% | 4,334 |
| Tier 1 risk-based capital ratio | 11.5051% | 4,782 |
| Total risk-based capital ratio | 12.5023% | 4,819 |
| Memoranda: | ||
| Average total assets | $2,264,541,670 | 380 |
| Average earning assets | $2,045,620,000 | 379 |
| Average equity | $289,038,330 | 346 |
| Average total loans | $1,759,291,330 | 360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,523 |
| Cost of funding earning assets | 0.5928% | 2,101 |
| Net interest margin | 3.4329% | 3,765 |
| Noninterest income to average assets | 0.4654% | 3,029 |
| Noninterest expense to average assets | 2.3636% | 4,036 |
| Loan and lease loss provision to assets | 0.0576% | 2,620 |
| Net operating income to assets | 0.8928% | 3,326 |
| Return on assets (ROA) | 0.8928% | 3,337 |
| Pretax return on assets | 1.1504% | 2,964 |
| Return on Equity (ROE) | 6.9983% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.9983% | 2,277 |
| Net charge-offs to loans | 0.0254% | 1,994 |
| Credit loss provision to net charge-offs | 291.8919% | 838 |
| Earnings coverage of net charge-offs (x) | 61.2342% | 837 |
| Efficiency ratio | 64.4524% | 3,408 |
| Assets per employee ($millions) | 7.9284% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,431 |
| Loan loss allowance to noncurrent loans | 143.2934% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 2,845 |
| Noncurrent loans to loans | 0.6308% | 2,654 |
| Net loans and leases to total assets | 76.6406% | 1,435 |
| Net loans and leases to deposits | 105.3175% | 413 |
| Net loans and leases to core deposits | 116.2672% | 717 |
| Total domestic deposits to total assets | 72.7710% | 5,231 |
| Equity capital to assets | 12.6656% | 1,398 |
| Core capital (leverage) ratio | 9.3172% | 4,298 |
| Tier 1 risk-based capital ratio | 11.3859% | 4,932 |
| Total risk-based capital ratio | 12.3261% | 4,993 |
| Memoranda: | ||
| Average total assets | $2,250,791,500 | 385 |
| Average earning assets | $2,036,520,000 | 381 |
| Average equity | $287,157,000 | 347 |
| Average total loans | $1,746,497,000 | 364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,487 |
| Cost of funding earning assets | 0.5129% | 2,229 |
| Net interest margin | 3.4639% | 3,644 |
| Noninterest income to average assets | 0.4872% | 3,082 |
| Noninterest expense to average assets | 2.3568% | 4,187 |
| Loan and lease loss provision to assets | 0.1513% | 1,492 |
| Net operating income to assets | 0.5307% | 4,290 |
| Return on assets (ROA) | 0.5307% | 4,323 |
| Pretax return on assets | 1.0933% | 3,216 |
| Return on Equity (ROE) | 4.1326% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.1326% | 2,687 |
| Net charge-offs to loans | 0.1603% | 1,522 |
| Credit loss provision to net charge-offs | 122.1935% | 2,136 |
| Earnings coverage of net charge-offs (x) | 10.0510% | 2,720 |
| Efficiency ratio | 63.2482% | 3,726 |
| Assets per employee ($millions) | 7.6500% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,452 |
| Loan loss allowance to noncurrent loans | 146.4129% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 2,891 |
| Noncurrent loans to loans | 0.6185% | 2,681 |
| Net loans and leases to total assets | 77.1505% | 1,402 |
| Net loans and leases to deposits | 102.8679% | 556 |
| Net loans and leases to core deposits | 113.1082% | 835 |
| Total domestic deposits to total assets | 74.9996% | 5,094 |
| Equity capital to assets | 12.8525% | 1,338 |
| Core capital (leverage) ratio | 9.1582% | 4,451 |
| Tier 1 risk-based capital ratio | 11.3766% | 4,933 |
| Total risk-based capital ratio | 12.3259% | 4,988 |
| Memoranda: | ||
| Average total assets | $2,186,881,000 | 382 |
| Average earning assets | $1,966,096,800 | 381 |
| Average equity | $280,841,200 | 342 |
| Average total loans | $1,689,851,800 | 352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,536 |
| Cost of funding earning assets | 0.4987% | 2,276 |
| Net interest margin | 3.4463% | 3,688 |
| Noninterest income to average assets | 0.4776% | 3,166 |
| Noninterest expense to average assets | 2.3571% | 4,130 |
| Loan and lease loss provision to assets | 0.2881% | 551 |
| Net operating income to assets | 0.5915% | 4,419 |
| Return on assets (ROA) | 0.5915% | 4,459 |
| Pretax return on assets | 0.9263% | 3,947 |
| Return on Equity (ROE) | 4.6068% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.6068% | 3,138 |
| Net charge-offs to loans | 0.1344% | 1,451 |
| Credit loss provision to net charge-offs | 277.9090% | 1,050 |
| Earnings coverage of net charge-offs (x) | 11.7129% | 2,482 |
| Efficiency ratio | 63.7762% | 3,589 |
| Assets per employee ($millions) | 7.3376% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,745 |
| Loan loss allowance to noncurrent loans | 140.3815% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 2,704 |
| Noncurrent loans to loans | 0.7537% | 2,477 |
| Net loans and leases to total assets | 77.1704% | 1,400 |
| Net loans and leases to deposits | 102.6396% | 570 |
| Net loans and leases to core deposits | 112.5849% | 903 |
| Total domestic deposits to total assets | 75.1858% | 5,110 |
| Equity capital to assets | 13.0152% | 1,387 |
| Core capital (leverage) ratio | 9.1510% | 4,564 |
| Tier 1 risk-based capital ratio | 11.2568% | 5,104 |
| Total risk-based capital ratio | 12.3467% | 5,087 |
| Memoranda: | ||
| Average total assets | $2,177,065,250 | 382 |
| Average earning assets | $1,954,469,500 | 384 |
| Average equity | $279,522,500 | 343 |
| Average total loans | $1,679,020,750 | 356 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 3,563 |
| Cost of funding earning assets | 0.4778% | 2,342 |
| Net interest margin | 3.4173% | 3,709 |
| Noninterest income to average assets | 0.4628% | 3,268 |
| Noninterest expense to average assets | 2.3294% | 4,265 |
| Loan and lease loss provision to assets | 0.3606% | 392 |
| Net operating income to assets | 0.5358% | 4,589 |
| Return on assets (ROA) | 0.5358% | 4,624 |
| Pretax return on assets | 0.8390% | 4,129 |
| Return on Equity (ROE) | 4.1922% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.1922% | 3,214 |
| Net charge-offs to loans | 0.1726% | 1,137 |
| Credit loss provision to net charge-offs | 271.8750% | 1,027 |
| Earnings coverage of net charge-offs (x) | 9.0444% | 2,470 |
| Efficiency ratio | 63.7557% | 3,710 |
| Assets per employee ($millions) | 7.4280% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,891 |
| Loan loss allowance to noncurrent loans | 140.7586% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,828 |
| Noncurrent loans to loans | 0.7402% | 2,545 |
| Net loans and leases to total assets | 75.3163% | 1,641 |
| Net loans and leases to deposits | 101.4439% | 642 |
| Net loans and leases to core deposits | 109.6000% | 1,022 |
| Total domestic deposits to total assets | 74.2444% | 5,270 |
| Equity capital to assets | 12.7198% | 1,514 |
| Core capital (leverage) ratio | 9.0582% | 4,655 |
| Tier 1 risk-based capital ratio | 11.1658% | 5,168 |
| Total risk-based capital ratio | 12.2354% | 5,159 |
| Memoranda: | ||
| Average total assets | $2,171,435,000 | 387 |
| Average earning assets | $1,948,323,330 | 388 |
| Average equity | $277,514,330 | 346 |
| Average total loans | $1,668,297,670 | 360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,571 |
| Cost of funding earning assets | 0.4838% | 2,220 |
| Net interest margin | 3.3699% | 3,765 |
| Noninterest income to average assets | 0.4587% | 3,266 |
| Noninterest expense to average assets | 2.3149% | 4,365 |
| Loan and lease loss provision to assets | 0.8203% | 119 |
| Net operating income to assets | 0.2286% | 5,350 |
| Return on assets (ROA) | 0.2286% | 5,361 |
| Pretax return on assets | 0.3438% | 5,241 |
| Return on Equity (ROE) | 1.7845% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.7845% | 4,402 |
| Net charge-offs to loans | 0.0186% | 2,416 |
| Credit loss provision to net charge-offs | 5,727.2727% | 51 |
| Earnings coverage of net charge-offs (x) | 81.2727% | 645 |
| Efficiency ratio | 64.2303% | 3,794 |
| Assets per employee ($millions) | 10.1113% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 3,329 |
| Loan loss allowance to noncurrent loans | 103.7918% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 2,067 |
| Noncurrent loans to loans | 1.1233% | 1,817 |
| Net loans and leases to total assets | 76.3848% | 1,351 |
| Net loans and leases to deposits | 102.7655% | 459 |
| Net loans and leases to core deposits | 111.3194% | 807 |
| Total domestic deposits to total assets | 74.3292% | 5,389 |
| Equity capital to assets | 12.8299% | 1,337 |
| Core capital (leverage) ratio | 8.9432% | 4,804 |
| Tier 1 risk-based capital ratio | 10.9873% | 5,316 |
| Total risk-based capital ratio | 12.1792% | 5,267 |
| Memoranda: | ||
| Average total assets | $2,150,373,500 | 391 |
| Average earning assets | $1,927,288,500 | 392 |
| Average equity | $275,491,000 | 347 |
| Average total loans | $1,660,084,000 | 361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 3,924 |
| Cost of funding earning assets | 0.5232% | 1,914 |
| Net interest margin | 3.2735% | 4,222 |
| Noninterest income to average assets | 0.5125% | 3,154 |
| Noninterest expense to average assets | 2.3279% | 4,495 |
| Loan and lease loss provision to assets | 0.1916% | 1,226 |
| Net operating income to assets | 0.5901% | 4,255 |
| Return on assets (ROA) | 0.5901% | 4,363 |
| Pretax return on assets | 0.9194% | 3,773 |
| Return on Equity (ROE) | 4.6162% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.7724% | 3,929 |
| Net charge-offs to loans | 0.4088% | 651 |
| Credit loss provision to net charge-offs | 62.0079% | 3,220 |
| Earnings coverage of net charge-offs (x) | 3.5961% | 3,632 |
| Efficiency ratio | 64.8683% | 3,785 |
| Assets per employee ($millions) | 10.2240% | 285 |
| Cash dividends to net income (ytd only)* | 39.9425% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,740 |
| Loan loss allowance to noncurrent loans | 105.2364% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 2,632 |
| Noncurrent loans to loans | 0.8662% | 2,370 |
| Net loans and leases to total assets | 76.4105% | 1,452 |
| Net loans and leases to deposits | 105.5244% | 367 |
| Net loans and leases to core deposits | 112.1539% | 776 |
| Total domestic deposits to total assets | 72.4102% | 5,532 |
| Equity capital to assets | 12.7926% | 1,353 |
| Core capital (leverage) ratio | 8.9670% | 4,775 |
| Tier 1 risk-based capital ratio | 10.9381% | 5,374 |
| Total risk-based capital ratio | 11.8686% | 5,437 |
| Memoranda: | ||
| Average total assets | $2,121,467,800 | 379 |
| Average earning assets | $1,896,478,800 | 381 |
| Average equity | $271,175,800 | 339 |
| Average total loans | $1,603,192,000 | 355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,947 |
| Cost of funding earning assets | 0.5289% | 1,887 |
| Net interest margin | 3.2617% | 4,306 |
| Noninterest income to average assets | 0.5346% | 3,017 |
| Noninterest expense to average assets | 2.3730% | 4,347 |
| Loan and lease loss provision to assets | 0.1922% | 1,125 |
| Net operating income to assets | 0.5697% | 4,418 |
| Return on assets (ROA) | 0.5697% | 4,522 |
| Pretax return on assets | 0.8845% | 4,033 |
| Return on Equity (ROE) | 4.4581% | 4,736 |
| Retained earnings to average equity (ytd only) | 1.9918% | 4,688 |
| Net charge-offs to loans | 0.3681% | 605 |
| Credit loss provision to net charge-offs | 69.4533% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.8907% | 3,347 |
| Efficiency ratio | 65.9637% | 3,598 |
| Assets per employee ($millions) | 10.0746% | 292 |
| Cash dividends to net income (ytd only)* | 55.3220% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 4,463 |
| Loan loss allowance to noncurrent loans | 94.2617% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,475 |
| Noncurrent loans to loans | 1.0512% | 2,138 |
| Net loans and leases to total assets | 76.3665% | 1,463 |
| Net loans and leases to deposits | 104.1647% | 445 |
| Net loans and leases to core deposits | 110.9466% | 866 |
| Total domestic deposits to total assets | 73.3132% | 5,493 |
| Equity capital to assets | 12.9754% | 1,497 |
| Core capital (leverage) ratio | 8.8796% | 4,968 |
| Tier 1 risk-based capital ratio | 10.8865% | 5,434 |
| Total risk-based capital ratio | 11.9019% | 5,465 |
| Memoranda: | ||
| Average total assets | $2,115,076,750 | 378 |
| Average earning assets | $1,890,359,500 | 383 |
| Average equity | $270,304,250 | 341 |
| Average total loans | $1,590,077,500 | 356 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,197 |
| Cost of funding earning assets | 0.5304% | 1,869 |
| Net interest margin | 3.1979% | 4,545 |
| Noninterest income to average assets | 0.5407% | 2,950 |
| Noninterest expense to average assets | 2.3960% | 4,347 |
| Loan and lease loss provision to assets | 0.2254% | 918 |
| Net operating income to assets | 0.5062% | 4,654 |
| Return on assets (ROA) | 0.5062% | 4,767 |
| Pretax return on assets | 0.7782% | 4,357 |
| Return on Equity (ROE) | 3.9812% | 4,921 |
| Retained earnings to average equity (ytd only) | 0.2563% | 5,228 |
| Net charge-offs to loans | 0.5061% | 431 |
| Credit loss provision to net charge-offs | 59.7690% | 2,583 |
| Earnings coverage of net charge-offs (x) | 2.6610% | 3,240 |
| Efficiency ratio | 67.6056% | 3,422 |
| Assets per employee ($millions) | 10.0003% | 286 |
| Cash dividends to net income (ytd only)* | 93.5629% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,470 |
| Loan loss allowance to noncurrent loans | 103.7030% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 2,746 |
| Noncurrent loans to loans | 0.9721% | 2,338 |
| Net loans and leases to total assets | 73.8450% | 1,874 |
| Net loans and leases to deposits | 100.2546% | 678 |
| Net loans and leases to core deposits | 108.3282% | 1,021 |
| Total domestic deposits to total assets | 73.6575% | 5,555 |
| Equity capital to assets | 12.6609% | 1,680 |
| Core capital (leverage) ratio | 8.5476% | 5,323 |
| Tier 1 risk-based capital ratio | 10.4993% | 5,671 |
| Total risk-based capital ratio | 11.5020% | 5,697 |
| Memoranda: | ||
| Average total assets | $2,111,520,000 | 382 |
| Average earning assets | $1,887,711,670 | 383 |
| Average equity | $268,464,330 | 342 |
| Average total loans | $1,573,568,330 | 359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,272 |
| Cost of funding earning assets | 0.5347% | 1,830 |
| Net interest margin | 3.1784% | 4,646 |
| Noninterest income to average assets | 0.5845% | 2,619 |
| Noninterest expense to average assets | 2.4009% | 4,371 |
| Loan and lease loss provision to assets | 0.1722% | 1,190 |
| Net operating income to assets | 0.5505% | 4,423 |
| Return on assets (ROA) | 0.5505% | 4,522 |
| Pretax return on assets | 0.8513% | 4,029 |
| Return on Equity (ROE) | 4.3203% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.3203% | 3,321 |
| Net charge-offs to loans | 0.0976% | 1,544 |
| Credit loss provision to net charge-offs | 236.9110% | 974 |
| Earnings coverage of net charge-offs (x) | 14.0812% | 1,713 |
| Efficiency ratio | 67.2501% | 3,588 |
| Assets per employee ($millions) | 10.0012% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 3,756 |
| Loan loss allowance to noncurrent loans | 102.4466% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 2,549 |
| Noncurrent loans to loans | 1.1250% | 2,143 |
| Net loans and leases to total assets | 73.6913% | 1,780 |
| Net loans and leases to deposits | 100.9235% | 565 |
| Net loans and leases to core deposits | 108.5856% | 938 |
| Total domestic deposits to total assets | 73.0170% | 5,704 |
| Equity capital to assets | 12.8294% | 1,491 |
| Core capital (leverage) ratio | 8.6861% | 5,192 |
| Tier 1 risk-based capital ratio | 10.7115% | 5,658 |
| Total risk-based capital ratio | 11.8514% | 5,615 |
| Memoranda: | ||
| Average total assets | $2,102,244,500 | 383 |
| Average earning assets | $1,878,325,500 | 386 |
| Average equity | $267,853,500 | 339 |
| Average total loans | $1,565,868,000 | 359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,207 |
| Cost of funding earning assets | 0.5323% | 1,904 |
| Net interest margin | 3.4962% | 3,537 |
| Noninterest income to average assets | 0.5195% | 3,201 |
| Noninterest expense to average assets | 2.4372% | 4,419 |
| Loan and lease loss provision to assets | 0.2376% | 811 |
| Net operating income to assets | 0.6094% | 4,224 |
| Return on assets (ROA) | 0.6094% | 4,322 |
| Pretax return on assets | 0.9464% | 3,668 |
| Return on Equity (ROE) | 4.7210% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,626 |
| Net charge-offs to loans | 0.1685% | 1,679 |
| Credit loss provision to net charge-offs | 190.3033% | 1,453 |
| Earnings coverage of net charge-offs (x) | 9.4848% | 2,814 |
| Efficiency ratio | 64.0076% | 4,262 |
| Assets per employee ($millions) | 9.9725% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,861 |
| Loan loss allowance to noncurrent loans | 84.5903% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 2,134 |
| Noncurrent loans to loans | 1.3374% | 1,760 |
| Net loans and leases to total assets | 73.5782% | 1,796 |
| Net loans and leases to deposits | 99.7572% | 689 |
| Net loans and leases to core deposits | 108.4133% | 951 |
| Total domestic deposits to total assets | 73.7573% | 5,672 |
| Equity capital to assets | 12.6525% | 1,532 |
| Core capital (leverage) ratio | 8.5119% | 5,417 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,713 |
| Total risk-based capital ratio | 11.7434% | 5,699 |
| Memoranda: | ||
| Average total assets | $2,007,523,600 | 379 |
| Average earning assets | $1,780,996,000 | 383 |
| Average equity | $259,139,200 | 336 |
| Average total loans | $1,487,598,800 | 354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,168 |
| Cost of funding earning assets | 0.5320% | 1,955 |
| Net interest margin | 3.5089% | 3,501 |
| Noninterest income to average assets | 0.4915% | 3,427 |
| Noninterest expense to average assets | 2.4411% | 4,385 |
| Loan and lease loss provision to assets | 0.3772% | 334 |
| Net operating income to assets | 0.5093% | 4,755 |
| Return on assets (ROA) | 0.5093% | 4,846 |
| Pretax return on assets | 0.7808% | 4,393 |
| Return on Equity (ROE) | 3.9247% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.9247% | 3,671 |
| Net charge-offs to loans | 0.1550% | 1,590 |
| Credit loss provision to net charge-offs | 328.7303% | 893 |
| Earnings coverage of net charge-offs (x) | 10.0925% | 2,626 |
| Efficiency ratio | 64.4723% | 4,164 |
| Assets per employee ($millions) | 9.9740% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,188 |
| Loan loss allowance to noncurrent loans | 97.7917% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 2,332 |
| Noncurrent loans to loans | 1.3122% | 1,945 |
| Net loans and leases to total assets | 72.1248% | 2,045 |
| Net loans and leases to deposits | 98.1605% | 805 |
| Net loans and leases to core deposits | 107.6937% | 995 |
| Total domestic deposits to total assets | 73.4764% | 5,754 |
| Equity capital to assets | 12.7657% | 1,582 |
| Core capital (leverage) ratio | 8.6930% | 5,359 |
| Tier 1 risk-based capital ratio | 10.5674% | 5,855 |
| Total risk-based capital ratio | 11.8090% | 5,791 |
| Memoranda: | ||
| Average total assets | $1,985,847,000 | 385 |
| Average earning assets | $1,758,738,250 | 389 |
| Average equity | $257,680,750 | 343 |
| Average total loans | $1,469,866,500 | 357 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 2,971 |
| Cost of funding earning assets | 0.5338% | 1,952 |
| Net interest margin | 3.5461% | 3,306 |
| Noninterest income to average assets | 0.5122% | 3,289 |
| Noninterest expense to average assets | 2.4500% | 4,397 |
| Loan and lease loss provision to assets | 0.4302% | 255 |
| Net operating income to assets | 0.5076% | 4,734 |
| Return on assets (ROA) | 0.5076% | 4,848 |
| Pretax return on assets | 0.7663% | 4,434 |
| Return on Equity (ROE) | 3.8900% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.8900% | 3,528 |
| Net charge-offs to loans | 0.1385% | 1,670 |
| Credit loss provision to net charge-offs | 417.6063% | 718 |
| Earnings coverage of net charge-offs (x) | 11.6152% | 2,277 |
| Efficiency ratio | 63.8436% | 4,381 |
| Assets per employee ($millions) | 9.3942% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 3,429 |
| Loan loss allowance to noncurrent loans | 75.1433% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3217% | 1,898 |
| Noncurrent loans to loans | 1.6831% | 1,542 |
| Net loans and leases to total assets | 72.6204% | 1,878 |
| Net loans and leases to deposits | 97.4723% | 838 |
| Net loans and leases to core deposits | 106.8814% | 1,029 |
| Total domestic deposits to total assets | 74.5036% | 5,750 |
| Equity capital to assets | 12.9008% | 1,449 |
| Core capital (leverage) ratio | 8.6949% | 5,324 |
| Tier 1 risk-based capital ratio | 10.7415% | 5,827 |
| Total risk-based capital ratio | 11.9791% | 5,767 |
| Memoranda: | ||
| Average total assets | $1,962,912,000 | 390 |
| Average earning assets | $1,734,956,330 | 393 |
| Average equity | $256,144,330 | 345 |
| Average total loans | $1,459,429,670 | 359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 2,542 |
| Cost of funding earning assets | 0.5316% | 1,995 |
| Net interest margin | 3.6455% | 2,828 |
| Noninterest income to average assets | 0.5782% | 2,784 |
| Noninterest expense to average assets | 2.4748% | 4,343 |
| Loan and lease loss provision to assets | 0.5544% | 180 |
| Net operating income to assets | 0.4906% | 4,733 |
| Return on assets (ROA) | 0.4906% | 4,852 |
| Pretax return on assets | 0.7677% | 4,361 |
| Return on Equity (ROE) | 3.7375% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,769 |
| Net charge-offs to loans | 0.1417% | 1,399 |
| Credit loss provision to net charge-offs | 523.1068% | 523 |
| Earnings coverage of net charge-offs (x) | 12.4757% | 1,795 |
| Efficiency ratio | 61.9337% | 4,809 |
| Assets per employee ($millions) | 9.5017% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 3,930 |
| Loan loss allowance to noncurrent loans | 78.4162% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 2,248 |
| Noncurrent loans to loans | 1.5408% | 1,822 |
| Net loans and leases to total assets | 73.1932% | 1,620 |
| Net loans and leases to deposits | 98.9742% | 625 |
| Net loans and leases to core deposits | 108.8837% | 794 |
| Total domestic deposits to total assets | 73.9518% | 5,906 |
| Equity capital to assets | 13.0709% | 1,361 |
| Core capital (leverage) ratio | 8.7767% | 5,231 |
| Tier 1 risk-based capital ratio | 10.6450% | 5,965 |
| Total risk-based capital ratio | 11.8259% | 5,918 |
| Memoranda: | ||
| Average total assets | $1,943,889,000 | 392 |
| Average earning assets | $1,716,286,500 | 398 |
| Average equity | $255,147,000 | 346 |
| Average total loans | $1,453,286,500 | 356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,247 |
| Cost of funding earning assets | 0.5206% | 2,483 |
| Net interest margin | 3.8720% | 2,350 |
| Noninterest income to average assets | 0.6087% | 2,805 |
| Noninterest expense to average assets | 2.6073% | 4,188 |
| Loan and lease loss provision to assets | 0.3073% | 667 |
| Net operating income to assets | 0.6913% | 3,940 |
| Return on assets (ROA) | 0.6888% | 4,065 |
| Pretax return on assets | 1.0749% | 3,183 |
| Return on Equity (ROE) | 5.2014% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.2014% | 2,466 |
| Net charge-offs to loans | 0.0658% | 3,542 |
| Credit loss provision to net charge-offs | 625.9341% | 424 |
| Earnings coverage of net charge-offs (x) | 28.2352% | 1,402 |
| Efficiency ratio | 61.6008% | 4,968 |
| Assets per employee ($millions) | 9.1039% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,733 |
| Loan loss allowance to noncurrent loans | 98.9296% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 3,054 |
| Noncurrent loans to loans | 1.0765% | 2,666 |
| Net loans and leases to total assets | 74.6479% | 1,472 |
| Net loans and leases to deposits | 104.2045% | 427 |
| Net loans and leases to core deposits | 110.7694% | 745 |
| Total domestic deposits to total assets | 71.6359% | 6,109 |
| Equity capital to assets | 13.1816% | 1,279 |
| Core capital (leverage) ratio | 8.4255% | 5,638 |
| Tier 1 risk-based capital ratio | 10.6986% | 6,026 |
| Total risk-based capital ratio | 11.8176% | 6,019 |
| Memoranda: | ||
| Average total assets | $1,853,684,200 | 396 |
| Average earning assets | $1,620,365,200 | 404 |
| Average equity | $245,474,600 | 340 |
| Average total loans | $1,383,538,200 | 350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,014 |
| Cost of funding earning assets | 0.5187% | 2,574 |
| Net interest margin | 3.9426% | 2,066 |
| Noninterest income to average assets | 0.6228% | 2,728 |
| Noninterest expense to average assets | 2.6264% | 4,108 |
| Loan and lease loss provision to assets | 0.2090% | 1,112 |
| Net operating income to assets | 0.7840% | 3,491 |
| Return on assets (ROA) | 0.7807% | 3,616 |
| Pretax return on assets | 1.2218% | 2,696 |
| Return on Equity (ROE) | 5.8880% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.8880% | 2,473 |
| Net charge-offs to loans | 0.0728% | 3,154 |
| Credit loss provision to net charge-offs | 385.9249% | 731 |
| Earnings coverage of net charge-offs (x) | 26.5215% | 1,482 |
| Efficiency ratio | 60.9909% | 5,040 |
| Assets per employee ($millions) | 9.0289% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 5,569 |
| Loan loss allowance to noncurrent loans | 124.4791% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 3,934 |
| Noncurrent loans to loans | 0.7317% | 3,771 |
| Net loans and leases to total assets | 74.4191% | 1,454 |
| Net loans and leases to deposits | 105.7351% | 335 |
| Net loans and leases to core deposits | 110.2577% | 737 |
| Total domestic deposits to total assets | 70.3826% | 6,267 |
| Equity capital to assets | 13.3252% | 1,268 |
| Core capital (leverage) ratio | 8.4475% | 5,710 |
| Tier 1 risk-based capital ratio | 10.8504% | 6,066 |
| Total risk-based capital ratio | 11.8110% | 6,134 |
| Memoranda: | ||
| Average total assets | $1,836,874,750 | 396 |
| Average earning assets | $1,602,580,000 | 403 |
| Average equity | $243,541,250 | 339 |
| Average total loans | $1,367,082,250 | 351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,585 |
| Cost of funding earning assets | 0.5173% | 2,659 |
| Net interest margin | 4.0634% | 1,627 |
| Noninterest income to average assets | 0.5307% | 3,260 |
| Noninterest expense to average assets | 2.5781% | 4,319 |
| Loan and lease loss provision to assets | 0.2127% | 1,109 |
| Net operating income to assets | 0.8125% | 3,269 |
| Return on assets (ROA) | 0.8074% | 3,390 |
| Pretax return on assets | 1.2739% | 2,355 |
| Return on Equity (ROE) | 6.1000% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.1000% | 2,260 |
| Net charge-offs to loans | 0.0636% | 3,078 |
| Credit loss provision to net charge-offs | 450.5800% | 631 |
| Earnings coverage of net charge-offs (x) | 31.6636% | 1,207 |
| Efficiency ratio | 59.6311% | 5,347 |
| Assets per employee ($millions) | 8.5106% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,771 |
| Loan loss allowance to noncurrent loans | 92.3461% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 3,747 |
| Noncurrent loans to loans | 0.9566% | 3,332 |
| Net loans and leases to total assets | 73.8424% | 1,463 |
| Net loans and leases to deposits | 104.4633% | 345 |
| Net loans and leases to core deposits | 108.4230% | 750 |
| Total domestic deposits to total assets | 70.6875% | 6,327 |
| Equity capital to assets | 13.2844% | 1,232 |
| Core capital (leverage) ratio | 8.2729% | 5,868 |
| Tier 1 risk-based capital ratio | 10.7155% | 6,165 |
| Total risk-based capital ratio | 11.6447% | 6,239 |
| Memoranda: | ||
| Average total assets | $1,826,169,670 | 391 |
| Average earning assets | $1,591,823,670 | 403 |
| Average equity | $241,706,000 | 335 |
| Average total loans | $1,354,886,670 | 350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 856 |
| Cost of funding earning assets | 0.5248% | 2,663 |
| Net interest margin | 4.3849% | 830 |
| Noninterest income to average assets | 0.5286% | 3,200 |
| Noninterest expense to average assets | 2.6090% | 4,238 |
| Loan and lease loss provision to assets | 0.2539% | 846 |
| Net operating income to assets | 0.9386% | 2,460 |
| Return on assets (ROA) | 0.9386% | 2,533 |
| Pretax return on assets | 1.4904% | 1,456 |
| Return on Equity (ROE) | 7.1050% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.1050% | 1,980 |
| Net charge-offs to loans | 0.0850% | 2,302 |
| Credit loss provision to net charge-offs | 403.5088% | 648 |
| Earnings coverage of net charge-offs (x) | 27.7193% | 1,101 |
| Efficiency ratio | 56.4668% | 5,800 |
| Assets per employee ($millions) | 9.0013% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 5,992 |
| Loan loss allowance to noncurrent loans | 77.1224% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 3,576 |
| Noncurrent loans to loans | 1.1076% | 3,209 |
| Net loans and leases to total assets | 73.7487% | 1,309 |
| Net loans and leases to deposits | 102.6266% | 347 |
| Net loans and leases to core deposits | 106.6967% | 732 |
| Total domestic deposits to total assets | 71.8612% | 6,369 |
| Equity capital to assets | 13.2477% | 1,191 |
| Core capital (leverage) ratio | 8.2080% | 5,937 |
| Tier 1 risk-based capital ratio | 10.5995% | 6,305 |
| Total risk-based capital ratio | 11.4946% | 6,371 |
| Memoranda: | ||
| Average total assets | $1,811,595,500 | 394 |
| Average earning assets | $1,580,138,000 | 406 |
| Average equity | $239,325,000 | 338 |
| Average total loans | $1,341,219,000 | 350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 3,446 |
| Cost of funding earning assets | 0.5510% | 3,101 |
| Net interest margin | 3.6214% | 3,371 |
| Noninterest income to average assets | 0.5264% | 3,580 |
| Noninterest expense to average assets | 2.3604% | 5,202 |
| Loan and lease loss provision to assets | 0.4075% | 732 |
| Net operating income to assets | 0.5625% | 4,448 |
| Return on assets (ROA) | 0.5855% | 4,444 |
| Pretax return on assets | 0.9268% | 3,660 |
| Return on Equity (ROE) | 4.1387% | 5,042 |
| Retained earnings to average equity (ytd only) | -1.9512% | 6,172 |
| Net charge-offs to loans | 0.0963% | 3,877 |
| Credit loss provision to net charge-offs | 585.7969% | 402 |
| Earnings coverage of net charge-offs (x) | 18.6656% | 1,642 |
| Efficiency ratio | 58.8471% | 5,626 |
| Assets per employee ($millions) | 8.8907% | 342 |
| Cash dividends to net income (ytd only)* | 147.1454% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 6,142 |
| Loan loss allowance to noncurrent loans | 58.1883% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 3,289 |
| Noncurrent loans to loans | 1.3982% | 2,797 |
| Net loans and leases to total assets | 73.0809% | 1,510 |
| Net loans and leases to deposits | 100.1092% | 480 |
| Net loans and leases to core deposits | 104.0199% | 910 |
| Total domestic deposits to total assets | 73.0011% | 6,356 |
| Equity capital to assets | 13.1731% | 1,198 |
| Core capital (leverage) ratio | 8.0765% | 6,079 |
| Tier 1 risk-based capital ratio | 10.5694% | 6,346 |
| Total risk-based capital ratio | 11.4268% | 6,422 |
| Memoranda: | ||
| Average total assets | $1,741,032,200 | 397 |
| Average earning assets | $1,505,895,400 | 411 |
| Average equity | $246,308,400 | 323 |
| Average total loans | $1,257,077,200 | 356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 3,369 |
| Cost of funding earning assets | 0.5502% | 3,262 |
| Net interest margin | 3.6564% | 3,209 |
| Noninterest income to average assets | 0.5331% | 3,572 |
| Noninterest expense to average assets | 2.4219% | 4,952 |
| Loan and lease loss provision to assets | 0.3765% | 823 |
| Net operating income to assets | 0.5663% | 4,496 |
| Return on assets (ROA) | 0.5663% | 4,648 |
| Pretax return on assets | 0.8898% | 3,927 |
| Return on Equity (ROE) | 3.9328% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.9328% | 3,896 |
| Net charge-offs to loans | 0.0484% | 4,212 |
| Credit loss provision to net charge-offs | 1,083.7778% | 285 |
| Earnings coverage of net charge-offs (x) | 36.4553% | 1,071 |
| Efficiency ratio | 59.9464% | 5,441 |
| Assets per employee ($millions) | 8.7645% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7268% | 6,408 |
| Loan loss allowance to noncurrent loans | 51.7630% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 3,543 |
| Noncurrent loans to loans | 1.4041% | 3,060 |
| Net loans and leases to total assets | 72.3717% | 1,548 |
| Net loans and leases to deposits | 101.1351% | 421 |
| Net loans and leases to core deposits | 104.3880% | 857 |
| Total domestic deposits to total assets | 71.5594% | 6,522 |
| Equity capital to assets | 14.1619% | 916 |
| Core capital (leverage) ratio | 9.0313% | 5,080 |
| Tier 1 risk-based capital ratio | 11.7288% | 5,933 |
| Total risk-based capital ratio | 12.4903% | 6,137 |
| Memoranda: | ||
| Average total assets | $1,727,310,250 | 402 |
| Average earning assets | $1,490,446,000 | 420 |
| Average equity | $248,740,750 | 320 |
| Average total loans | $1,240,536,500 | 357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 3,022 |
| Cost of funding earning assets | 0.5537% | 3,375 |
| Net interest margin | 3.7309% | 2,842 |
| Noninterest income to average assets | 0.5315% | 3,624 |
| Noninterest expense to average assets | 2.5606% | 4,519 |
| Loan and lease loss provision to assets | 0.3510% | 946 |
| Net operating income to assets | 0.5275% | 4,677 |
| Return on assets (ROA) | 0.5275% | 4,844 |
| Pretax return on assets | 0.8361% | 4,177 |
| Return on Equity (ROE) | 3.6424% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.6424% | 3,991 |
| Net charge-offs to loans | 0.0508% | 3,959 |
| Credit loss provision to net charge-offs | 966.5595% | 320 |
| Earnings coverage of net charge-offs (x) | 32.6913% | 1,078 |
| Efficiency ratio | 62.6207% | 5,076 |
| Assets per employee ($millions) | 8.2982% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 6,598 |
| Loan loss allowance to noncurrent loans | 43.8326% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 3,623 |
| Noncurrent loans to loans | 1.4014% | 3,194 |
| Net loans and leases to total assets | 71.8786% | 1,602 |
| Net loans and leases to deposits | 101.1677% | 370 |
| Net loans and leases to core deposits | 104.4333% | 821 |
| Total domestic deposits to total assets | 71.0490% | 6,616 |
| Equity capital to assets | 14.4987% | 825 |
| Core capital (leverage) ratio | 8.9167% | 5,120 |
| Tier 1 risk-based capital ratio | 11.8308% | 5,899 |
| Total risk-based capital ratio | 12.4752% | 6,201 |
| Memoranda: | ||
| Average total assets | $1,712,934,670 | 404 |
| Average earning assets | $1,476,632,000 | 423 |
| Average equity | $248,078,330 | 318 |
| Average total loans | $1,223,823,330 | 361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 3,148 |
| Cost of funding earning assets | 0.5488% | 3,583 |
| Net interest margin | 3.6911% | 2,887 |
| Noninterest income to average assets | 0.5377% | 3,514 |
| Noninterest expense to average assets | 2.6661% | 4,195 |
| Loan and lease loss provision to assets | 0.2888% | 1,213 |
| Net operating income to assets | 0.4834% | 4,760 |
| Return on assets (ROA) | 0.4834% | 4,916 |
| Pretax return on assets | 0.7551% | 4,354 |
| Return on Equity (ROE) | 3.3393% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.3393% | 4,250 |
| Net charge-offs to loans | 0.0407% | 3,466 |
| Credit loss provision to net charge-offs | 998.3871% | 325 |
| Earnings coverage of net charge-offs (x) | 36.0887% | 858 |
| Efficiency ratio | 66.1909% | 4,632 |
| Assets per employee ($millions) | 8.6748% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 6,798 |
| Loan loss allowance to noncurrent loans | 27.3112% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 3,312 |
| Noncurrent loans to loans | 1.7902% | 2,875 |
| Net loans and leases to total assets | 71.3884% | 1,454 |
| Net loans and leases to deposits | 101.4344% | 298 |
| Net loans and leases to core deposits | 104.9440% | 682 |
| Total domestic deposits to total assets | 70.3789% | 6,742 |
| Equity capital to assets | 14.5579% | 863 |
| Core capital (leverage) ratio | 8.4090% | 5,699 |
| Tier 1 risk-based capital ratio | 11.6546% | 6,107 |
| Total risk-based capital ratio | 12.1729% | 6,410 |
| Memoranda: | ||
| Average total assets | $1,714,692,500 | 407 |
| Average earning assets | $1,473,696,500 | 429 |
| Average equity | $248,195,500 | 322 |
| Average total loans | $1,217,584,500 | 364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 2,992 |
| Cost of funding earning assets | 0.5494% | 4,824 |
| Net interest margin | 4.0528% | 2,184 |
| Noninterest income to average assets | 0.7151% | 2,639 |
| Noninterest expense to average assets | 2.4939% | 5,119 |
| Loan and lease loss provision to assets | 0.5740% | 972 |
| Net operating income to assets | 0.7027% | 3,723 |
| Return on assets (ROA) | 0.7384% | 3,807 |
| Pretax return on assets | 1.2079% | 2,778 |
| Return on Equity (ROE) | 5.6181% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6181% | 2,301 |
| Net charge-offs to loans | 0.3867% | 2,707 |
| Credit loss provision to net charge-offs | 208.5739% | 1,223 |
| Earnings coverage of net charge-offs (x) | 6.2725% | 2,845 |
| Efficiency ratio | 53.0109% | 6,370 |
| Assets per employee ($millions) | 8.9143% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4032% | 6,894 |
| Loan loss allowance to noncurrent loans | 19.3592% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 3,137 |
| Noncurrent loans to loans | 2.0830% | 2,600 |
| Net loans and leases to total assets | 70.0002% | 1,841 |
| Net loans and leases to deposits | 99.1191% | 455 |
| Net loans and leases to core deposits | 102.1381% | 886 |
| Total domestic deposits to total assets | 70.6223% | 6,764 |
| Equity capital to assets | 14.3919% | 910 |
| Core capital (leverage) ratio | 8.4979% | 5,612 |
| Tier 1 risk-based capital ratio | 11.5422% | 6,068 |
| Total risk-based capital ratio | 11.9723% | 6,428 |
| Memoranda: | ||
| Average total assets | $1,661,441,400 | 411 |
| Average earning assets | $1,436,797,000 | 423 |
| Average equity | $218,364,200 | 343 |
| Average total loans | $1,182,221,400 | 370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 2,803 |
| Cost of funding earning assets | 0.5420% | 5,150 |
| Net interest margin | 4.1583% | 1,870 |
| Noninterest income to average assets | 0.5857% | 3,380 |
| Noninterest expense to average assets | 2.5829% | 4,798 |
| Loan and lease loss provision to assets | 0.6712% | 771 |
| Net operating income to assets | 0.5701% | 4,520 |
| Return on assets (ROA) | 0.6114% | 4,596 |
| Pretax return on assets | 1.0059% | 3,684 |
| Return on Equity (ROE) | 4.7702% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.7702% | 3,546 |
| Net charge-offs to loans | 0.5045% | 2,101 |
| Credit loss provision to net charge-offs | 186.3759% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.4775% | 3,292 |
| Efficiency ratio | 55.3883% | 6,122 |
| Assets per employee ($millions) | 6.5758% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 7,051 |
| Loan loss allowance to noncurrent loans | 14.4186% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 3,096 |
| Noncurrent loans to loans | 2.1871% | 2,634 |
| Net loans and leases to total assets | 71.3375% | 1,674 |
| Net loans and leases to deposits | 101.2845% | 388 |
| Net loans and leases to core deposits | 104.7792% | 823 |
| Total domestic deposits to total assets | 70.4328% | 6,821 |
| Equity capital to assets | 14.4225% | 991 |
| Core capital (leverage) ratio | 7.9933% | 6,336 |
| Tier 1 risk-based capital ratio | 11.1526% | 6,415 |
| Total risk-based capital ratio | 11.4906% | 6,717 |
| Memoranda: | ||
| Average total assets | $1,646,688,500 | 412 |
| Average earning assets | $1,429,462,000 | 425 |
| Average equity | $211,053,750 | 355 |
| Average total loans | $1,175,477,750 | 375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 3,082 |
| Cost of funding earning assets | 0.5326% | 5,416 |
| Net interest margin | 4.1302% | 1,971 |
| Noninterest income to average assets | 0.5713% | 3,439 |
| Noninterest expense to average assets | 2.6849% | 4,481 |
| Loan and lease loss provision to assets | 0.8515% | 572 |
| Net operating income to assets | 0.3785% | 5,309 |
| Return on assets (ROA) | 0.4409% | 5,302 |
| Pretax return on assets | 0.7275% | 4,746 |
| Return on Equity (ROE) | 3.5945% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.5945% | 4,202 |
| Net charge-offs to loans | 0.6212% | 1,770 |
| Credit loss provision to net charge-offs | 192.1845% | 1,477 |
| Earnings coverage of net charge-offs (x) | 3.3436% | 3,411 |
| Efficiency ratio | 58.1779% | 5,844 |
| Assets per employee ($millions) | 6.3760% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2847% | 7,126 |
| Loan loss allowance to noncurrent loans | 12.3634% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 3,140 |
| Noncurrent loans to loans | 2.3030% | 2,598 |
| Net loans and leases to total assets | 70.2462% | 1,877 |
| Net loans and leases to deposits | 100.3633% | 407 |
| Net loans and leases to core deposits | 104.0131% | 854 |
| Total domestic deposits to total assets | 69.9919% | 6,906 |
| Equity capital to assets | 14.2686% | 993 |
| Core capital (leverage) ratio | 7.9932% | 6,288 |
| Tier 1 risk-based capital ratio | 10.9978% | 6,499 |
| Total risk-based capital ratio | 11.3000% | 6,791 |
| Memoranda: | ||
| Average total assets | $1,634,451,000 | 415 |
| Average earning assets | $1,422,703,330 | 427 |
| Average equity | $200,475,670 | 373 |
| Average total loans | $1,165,738,670 | 375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 2,846 |
| Cost of funding earning assets | 0.5297% | 5,609 |
| Net interest margin | 4.2209% | 1,700 |
| Noninterest income to average assets | 0.5638% | 3,468 |
| Noninterest expense to average assets | 3.0375% | 3,126 |
| Loan and lease loss provision to assets | 0.3596% | 1,753 |
| Net operating income to assets | 0.4292% | 5,127 |
| Return on assets (ROA) | 0.4292% | 5,316 |
| Pretax return on assets | 0.9217% | 3,960 |
| Return on Equity (ROE) | 3.8200% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.8200% | 4,295 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2249% | 4,884 |
| Assets per employee ($millions) | 6.9920% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1258% | 7,217 |
| Loan loss allowance to noncurrent loans | 7.6047% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 4,039 |
| Noncurrent loans to loans | 1.6541% | 3,618 |
| Net loans and leases to total assets | 70.0579% | 1,742 |
| Net loans and leases to deposits | 100.4645% | 354 |
| Net loans and leases to core deposits | 104.2959% | 755 |
| Total domestic deposits to total assets | 69.7340% | 6,994 |
| Equity capital to assets | 13.3312% | 1,301 |
| Core capital (leverage) ratio | 6.5677% | 6,958 |
| Tier 1 risk-based capital ratio | 8.8068% | 7,048 |
| Total risk-based capital ratio | 8.9420% | 7,104 |
| Memoranda: | ||
| Average total assets | $1,619,614,000 | 420 |
| Average earning assets | $1,440,832,500 | 422 |
| Average equity | $181,990,000 | 400 |
| Average total loans | $1,162,447,000 | 371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 4,205 |
| Cost of funding earning assets | 0.9200% | 3,958 |
| Net interest margin | 3.7887% | 3,885 |
| Noninterest income to average assets | 0.5377% | 3,598 |
| Noninterest expense to average assets | 2.8295% | 4,237 |
| Loan and lease loss provision to assets | 0.2784% | 3,438 |
| Net operating income to assets | 0.6051% | 3,975 |
| Return on assets (ROA) | 0.5666% | 4,344 |
| Pretax return on assets | 0.8815% | 3,671 |
| Return on Equity (ROE) | 6.3010% | 3,738 |
| Retained earnings to average equity (ytd only) | 0.8727% | 5,451 |
| Net charge-offs to loans | 0.4292% | 3,288 |
| Credit loss provision to net charge-offs | 89.6774% | 4,014 |
| Earnings coverage of net charge-offs (x) | 3.9306% | 3,331 |
| Efficiency ratio | 69.8713% | 3,987 |
| Assets per employee ($millions) | 6.3565% | 1,026 |
| Cash dividends to net income (ytd only)* | 86.1498% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,779 |
| Loan loss allowance to noncurrent loans | 100.7217% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 4,254 |
| Noncurrent loans to loans | 1.5429% | 3,841 |
| Net loans and leases to total assets | 72.3208% | 1,588 |
| Net loans and leases to deposits | 101.6024% | 392 |
| Net loans and leases to core deposits | 107.2888% | 742 |
| Total domestic deposits to total assets | 71.1803% | 6,915 |
| Equity capital to assets | 9.0616% | 5,478 |
| Core capital (leverage) ratio | 8.1428% | 6,082 |
| Tier 1 risk-based capital ratio | 11.2060% | 6,347 |
| Total risk-based capital ratio | 12.4621% | 6,317 |
| Memoranda: | ||
| Average total assets | $1,597,920,600 | 413 |
| Average earning assets | $1,481,161,200 | 401 |
| Average equity | $143,692,200 | 485 |
| Average total loans | $1,155,520,400 | 367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 4,354 |
| Cost of funding earning assets | 0.9354% | 4,157 |
| Net interest margin | 3.7850% | 3,948 |
| Noninterest income to average assets | 0.5194% | 3,731 |
| Noninterest expense to average assets | 2.5497% | 5,283 |
| Loan and lease loss provision to assets | 0.2979% | 3,145 |
| Net operating income to assets | 0.7885% | 3,223 |
| Return on assets (ROA) | 0.8002% | 3,325 |
| Pretax return on assets | 1.2038% | 2,617 |
| Return on Equity (ROE) | 8.9153% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.5306% | 4,228 |
| Net charge-offs to loans | 0.4720% | 2,849 |
| Credit loss provision to net charge-offs | 87.6225% | 3,866 |
| Earnings coverage of net charge-offs (x) | 4.3652% | 3,092 |
| Efficiency ratio | 63.2093% | 5,195 |
| Assets per employee ($millions) | 6.1012% | 1,148 |
| Cash dividends to net income (ytd only)* | 60.3978% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,750 |
| Loan loss allowance to noncurrent loans | 84.6383% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 3,976 |
| Noncurrent loans to loans | 1.8685% | 3,543 |
| Net loans and leases to total assets | 71.7510% | 1,767 |
| Net loans and leases to deposits | 100.6871% | 440 |
| Net loans and leases to core deposits | 107.4942% | 785 |
| Total domestic deposits to total assets | 71.2614% | 6,975 |
| Equity capital to assets | 9.4429% | 5,173 |
| Core capital (leverage) ratio | 8.2480% | 6,063 |
| Tier 1 risk-based capital ratio | 11.6460% | 6,141 |
| Total risk-based capital ratio | 12.9025% | 6,132 |
| Memoranda: | ||
| Average total assets | $1,600,121,750 | 416 |
| Average earning assets | $1,485,663,000 | 397 |
| Average equity | $143,615,250 | 495 |
| Average total loans | $1,152,549,500 | 371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 4,422 |
| Cost of funding earning assets | 0.9676% | 4,191 |
| Net interest margin | 3.7567% | 4,004 |
| Noninterest income to average assets | 0.5185% | 3,719 |
| Noninterest expense to average assets | 2.6294% | 5,082 |
| Loan and lease loss provision to assets | 0.2455% | 3,450 |
| Net operating income to assets | 0.7596% | 3,247 |
| Return on assets (ROA) | 0.7772% | 3,298 |
| Pretax return on assets | 1.1614% | 2,634 |
| Return on Equity (ROE) | 8.8094% | 2,592 |
| Retained earnings to average equity (ytd only) | 3.8777% | 3,730 |
| Net charge-offs to loans | 0.4412% | 2,808 |
| Credit loss provision to net charge-offs | 77.5727% | 3,843 |
| Earnings coverage of net charge-offs (x) | 4.3617% | 2,878 |
| Efficiency ratio | 65.5723% | 4,961 |
| Assets per employee ($millions) | 6.0588% | 1,154 |
| Cash dividends to net income (ytd only)* | 55.9821% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,827 |
| Loan loss allowance to noncurrent loans | 96.7161% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 4,419 |
| Noncurrent loans to loans | 1.6221% | 3,967 |
| Net loans and leases to total assets | 70.1360% | 2,193 |
| Net loans and leases to deposits | 103.5343% | 334 |
| Net loans and leases to core deposits | 109.9185% | 723 |
| Total domestic deposits to total assets | 67.7418% | 7,202 |
| Equity capital to assets | 8.9274% | 5,681 |
| Core capital (leverage) ratio | 8.1291% | 6,120 |
| Tier 1 risk-based capital ratio | 11.4447% | 6,209 |
| Total risk-based capital ratio | 12.6995% | 6,196 |
| Memoranda: | ||
| Average total assets | $1,608,794,670 | 418 |
| Average earning assets | $1,495,178,000 | 404 |
| Average equity | $141,940,000 | 502 |
| Average total loans | $1,154,204,670 | 382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 4,359 |
| Cost of funding earning assets | 1.0428% | 3,902 |
| Net interest margin | 3.6901% | 4,157 |
| Noninterest income to average assets | 0.4939% | 3,939 |
| Noninterest expense to average assets | 2.7169% | 4,769 |
| Loan and lease loss provision to assets | 0.2805% | 2,912 |
| Net operating income to assets | 0.6203% | 3,924 |
| Return on assets (ROA) | 0.6552% | 3,800 |
| Pretax return on assets | 0.9946% | 3,149 |
| Return on Equity (ROE) | 7.4712% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.6283% | 3,414 |
| Net charge-offs to loans | 0.5392% | 2,147 |
| Credit loss provision to net charge-offs | 72.2543% | 3,308 |
| Earnings coverage of net charge-offs (x) | 3.1484% | 2,836 |
| Efficiency ratio | 68.9727% | 4,482 |
| Assets per employee ($millions) | 6.1064% | 1,134 |
| Cash dividends to net income (ytd only)* | 38.0518% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 3,825 |
| Loan loss allowance to noncurrent loans | 114.6182% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 4,697 |
| Noncurrent loans to loans | 1.3771% | 4,405 |
| Net loans and leases to total assets | 70.7501% | 1,972 |
| Net loans and leases to deposits | 103.0933% | 342 |
| Net loans and leases to core deposits | 111.3035% | 677 |
| Total domestic deposits to total assets | 68.6272% | 7,246 |
| Equity capital to assets | 8.8048% | 5,486 |
| Core capital (leverage) ratio | 8.0317% | 6,214 |
| Tier 1 risk-based capital ratio | 11.3041% | 6,253 |
| Total risk-based capital ratio | 12.5590% | 6,231 |
| Memoranda: | ||
| Average total assets | $1,604,339,000 | 425 |
| Average earning assets | $1,497,841,500 | 405 |
| Average equity | $140,700,500 | 501 |
| Average total loans | $1,154,968,500 | 381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 4,791 |
| Cost of funding earning assets | 1.2647% | 4,106 |
| Net interest margin | 3.6841% | 4,424 |
| Noninterest income to average assets | 0.5588% | 3,756 |
| Noninterest expense to average assets | 2.4940% | 5,821 |
| Loan and lease loss provision to assets | 0.4308% | 3,537 |
| Net operating income to assets | 0.7082% | 3,200 |
| Return on assets (ROA) | 0.7178% | 3,284 |
| Pretax return on assets | 1.0742% | 2,686 |
| Return on Equity (ROE) | 8.2959% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.3930% | 2,184 |
| Net charge-offs to loans | 0.4187% | 3,944 |
| Credit loss provision to net charge-offs | 144.6647% | 2,564 |
| Earnings coverage of net charge-offs (x) | 5.0057% | 2,739 |
| Efficiency ratio | 62.5906% | 5,607 |
| Assets per employee ($millions) | 6.0709% | 1,168 |
| Cash dividends to net income (ytd only)* | 34.9926% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 3,522 |
| Loan loss allowance to noncurrent loans | 112.9655% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 4,807 |
| Noncurrent loans to loans | 1.4291% | 4,346 |
| Net loans and leases to total assets | 70.9322% | 2,322 |
| Net loans and leases to deposits | 101.4426% | 509 |
| Net loans and leases to core deposits | 108.7495% | 1,002 |
| Total domestic deposits to total assets | 69.9235% | 7,238 |
| Equity capital to assets | 8.7351% | 5,534 |
| Core capital (leverage) ratio | 7.9960% | 6,210 |
| Tier 1 risk-based capital ratio | 11.1305% | 6,229 |
| Total risk-based capital ratio | 12.3858% | 6,199 |
| Memoranda: | ||
| Average total assets | $1,592,413,600 | 432 |
| Average earning assets | $1,480,775,600 | 416 |
| Average equity | $137,790,800 | 501 |
| Average total loans | $1,132,585,200 | 398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 4,790 |
| Cost of funding earning assets | 1.3046% | 4,183 |
| Net interest margin | 3.7010% | 4,395 |
| Noninterest income to average assets | 0.5560% | 3,744 |
| Noninterest expense to average assets | 2.5292% | 5,607 |
| Loan and lease loss provision to assets | 0.3711% | 3,668 |
| Net operating income to assets | 0.7461% | 3,222 |
| Return on assets (ROA) | 0.7468% | 3,384 |
| Pretax return on assets | 1.0943% | 2,843 |
| Return on Equity (ROE) | 8.6514% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.7368% | 2,517 |
| Net charge-offs to loans | 0.3253% | 4,035 |
| Credit loss provision to net charge-offs | 160.9676% | 2,352 |
| Earnings coverage of net charge-offs (x) | 6.3518% | 2,540 |
| Efficiency ratio | 63.3319% | 5,375 |
| Assets per employee ($millions) | 5.9779% | 1,260 |
| Cash dividends to net income (ytd only)* | 33.6889% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 3,513 |
| Loan loss allowance to noncurrent loans | 129.8909% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 5,133 |
| Noncurrent loans to loans | 1.2351% | 4,785 |
| Net loans and leases to total assets | 71.0485% | 2,478 |
| Net loans and leases to deposits | 100.0838% | 655 |
| Net loans and leases to core deposits | 106.8288% | 1,248 |
| Total domestic deposits to total assets | 70.9891% | 7,220 |
| Equity capital to assets | 9.0302% | 5,537 |
| Core capital (leverage) ratio | 7.9840% | 6,366 |
| Tier 1 risk-based capital ratio | 11.1097% | 6,273 |
| Total risk-based capital ratio | 12.3648% | 6,261 |
| Memoranda: | ||
| Average total assets | $1,589,840,500 | 430 |
| Average earning assets | $1,476,643,500 | 415 |
| Average equity | $137,239,000 | 495 |
| Average total loans | $1,126,859,250 | 398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 4,860 |
| Cost of funding earning assets | 1.3418% | 4,242 |
| Net interest margin | 3.6766% | 4,468 |
| Noninterest income to average assets | 0.5586% | 3,638 |
| Noninterest expense to average assets | 2.5212% | 5,640 |
| Loan and lease loss provision to assets | 0.3948% | 3,347 |
| Net operating income to assets | 0.7206% | 3,312 |
| Return on assets (ROA) | 0.7174% | 3,474 |
| Pretax return on assets | 1.0533% | 2,919 |
| Return on Equity (ROE) | 8.4386% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.4901% | 2,618 |
| Net charge-offs to loans | 0.4074% | 3,352 |
| Credit loss provision to net charge-offs | 137.5546% | 2,912 |
| Earnings coverage of net charge-offs (x) | 5.0616% | 2,759 |
| Efficiency ratio | 63.4434% | 5,442 |
| Assets per employee ($millions) | 5.9715% | 1,250 |
| Cash dividends to net income (ytd only)* | 34.9406% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,768 |
| Loan loss allowance to noncurrent loans | 117.4532% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 5,038 |
| Noncurrent loans to loans | 1.3032% | 4,772 |
| Net loans and leases to total assets | 69.4116% | 3,037 |
| Net loans and leases to deposits | 95.3116% | 1,112 |
| Net loans and leases to core deposits | 100.0734% | 2,009 |
| Total domestic deposits to total assets | 72.8260% | 7,114 |
| Equity capital to assets | 8.7046% | 5,877 |
| Core capital (leverage) ratio | 7.7965% | 6,503 |
| Tier 1 risk-based capital ratio | 10.7996% | 6,448 |
| Total risk-based capital ratio | 12.0535% | 6,428 |
| Memoranda: | ||
| Average total assets | $1,595,725,330 | 425 |
| Average earning assets | $1,482,342,330 | 416 |
| Average equity | $135,661,670 | 494 |
| Average total loans | $1,124,070,000 | 403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 5,025 |
| Cost of funding earning assets | 1.3826% | 4,287 |
| Net interest margin | 3.6156% | 4,653 |
| Noninterest income to average assets | 0.5692% | 3,495 |
| Noninterest expense to average assets | 2.5389% | 5,581 |
| Loan and lease loss provision to assets | 0.4032% | 2,948 |
| Net operating income to assets | 0.6708% | 3,569 |
| Return on assets (ROA) | 0.6544% | 3,755 |
| Pretax return on assets | 0.9648% | 3,222 |
| Return on Equity (ROE) | 7.7918% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.7915% | 3,273 |
| Net charge-offs to loans | 0.5407% | 2,445 |
| Credit loss provision to net charge-offs | 105.8901% | 3,244 |
| Earnings coverage of net charge-offs (x) | 3.6565% | 2,835 |
| Efficiency ratio | 64.5856% | 5,373 |
| Assets per employee ($millions) | 6.2670% | 1,100 |
| Cash dividends to net income (ytd only)* | 38.5060% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,017 |
| Loan loss allowance to noncurrent loans | 115.7005% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 5,043 |
| Noncurrent loans to loans | 1.2786% | 4,842 |
| Net loans and leases to total assets | 69.8312% | 2,977 |
| Net loans and leases to deposits | 99.9954% | 751 |
| Net loans and leases to core deposits | 107.0560% | 1,491 |
| Total domestic deposits to total assets | 69.8344% | 7,419 |
| Equity capital to assets | 8.5058% | 5,996 |
| Core capital (leverage) ratio | 7.6841% | 6,643 |
| Tier 1 risk-based capital ratio | 10.6245% | 6,516 |
| Total risk-based capital ratio | 11.8776% | 6,501 |
| Memoranda: | ||
| Average total assets | $1,587,434,500 | 441 |
| Average earning assets | $1,476,032,000 | 434 |
| Average equity | $133,320,000 | 509 |
| Average total loans | $1,117,843,000 | 425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2071% | 5,618 |
| Cost of funding earning assets | 1.8086% | 3,943 |
| Net interest margin | 3.3985% | 5,373 |
| Noninterest income to average assets | 0.5890% | 3,721 |
| Noninterest expense to average assets | 2.4618% | 6,264 |
| Loan and lease loss provision to assets | 0.6341% | 3,269 |
| Net operating income to assets | 0.4449% | 3,950 |
| Return on assets (ROA) | 0.4306% | 4,113 |
| Pretax return on assets | 0.6282% | 3,818 |
| Return on Equity (ROE) | 5.0860% | 3,632 |
| Retained earnings to average equity (ytd only) | 0.5550% | 4,593 |
| Net charge-offs to loans | 0.7275% | 3,014 |
| Credit loss provision to net charge-offs | 123.2691% | 4,281 |
| Earnings coverage of net charge-offs (x) | 2.4940% | 3,879 |
| Efficiency ratio | 65.7406% | 5,448 |
| Assets per employee ($millions) | 6.2083% | 1,128 |
| Cash dividends to net income (ytd only)* | 89.0869% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 3,795 |
| Loan loss allowance to noncurrent loans | 90.2817% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 4,569 |
| Noncurrent loans to loans | 1.6473% | 4,178 |
| Net loans and leases to total assets | 68.9173% | 3,510 |
| Net loans and leases to deposits | 99.7099% | 931 |
| Net loans and leases to core deposits | 113.1545% | 2,581 |
| Total domestic deposits to total assets | 69.1179% | 7,483 |
| Equity capital to assets | 8.2914% | 6,209 |
| Core capital (leverage) ratio | 7.5356% | 6,756 |
| Tier 1 risk-based capital ratio | 10.5532% | 6,339 |
| Total risk-based capital ratio | 11.8069% | 6,322 |
| Memoranda: | ||
| Average total assets | $1,563,936,400 | 438 |
| Average earning assets | $1,452,190,600 | 434 |
| Average equity | $132,422,200 | 506 |
| Average total loans | $1,105,834,000 | 444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 5,795 |
| Cost of funding earning assets | 1.8915% | 3,923 |
| Net interest margin | 3.3286% | 5,534 |
| Noninterest income to average assets | 0.5658% | 3,964 |
| Noninterest expense to average assets | 2.4645% | 6,200 |
| Loan and lease loss provision to assets | 0.5230% | 3,293 |
| Net operating income to assets | 0.4526% | 4,182 |
| Return on assets (ROA) | 0.4521% | 4,292 |
| Pretax return on assets | 0.6665% | 3,965 |
| Return on Equity (ROE) | 5.3107% | 3,833 |
| Retained earnings to average equity (ytd only) | 0.2826% | 5,077 |
| Net charge-offs to loans | 0.5113% | 3,171 |
| Credit loss provision to net charge-offs | 144.2739% | 3,379 |
| Earnings coverage of net charge-offs (x) | 3.2834% | 3,596 |
| Efficiency ratio | 67.4325% | 5,086 |
| Assets per employee ($millions) | 6.1301% | 1,150 |
| Cash dividends to net income (ytd only)* | 94.6790% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,540 |
| Loan loss allowance to noncurrent loans | 111.0075% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 4,926 |
| Noncurrent loans to loans | 1.3343% | 4,705 |
| Net loans and leases to total assets | 70.1005% | 3,492 |
| Net loans and leases to deposits | 100.7271% | 1,042 |
| Net loans and leases to core deposits | 115.8378% | 2,639 |
| Total domestic deposits to total assets | 69.5945% | 7,447 |
| Equity capital to assets | 8.5177% | 6,231 |
| Core capital (leverage) ratio | 7.6419% | 6,809 |
| Tier 1 risk-based capital ratio | 10.6642% | 6,281 |
| Total risk-based capital ratio | 11.9175% | 6,261 |
| Memoranda: | ||
| Average total assets | $1,557,592,250 | 451 |
| Average earning assets | $1,445,459,500 | 449 |
| Average equity | $132,583,750 | 516 |
| Average total loans | $1,104,330,500 | 460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 6,015 |
| Cost of funding earning assets | 1.9937% | 3,810 |
| Net interest margin | 3.2236% | 5,832 |
| Noninterest income to average assets | 0.5614% | 3,951 |
| Noninterest expense to average assets | 2.4880% | 6,160 |
| Loan and lease loss provision to assets | 0.5419% | 2,860 |
| Net operating income to assets | 0.3449% | 4,699 |
| Return on assets (ROA) | 0.3501% | 4,795 |
| Pretax return on assets | 0.5239% | 4,542 |
| Return on Equity (ROE) | 4.1143% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.1143% | 3,003 |
| Net charge-offs to loans | 0.3579% | 3,392 |
| Credit loss provision to net charge-offs | 213.8141% | 2,153 |
| Earnings coverage of net charge-offs (x) | 4.1742% | 3,185 |
| Efficiency ratio | 70.1637% | 4,747 |
| Assets per employee ($millions) | 6.0036% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 3,121 |
| Loan loss allowance to noncurrent loans | 95.2233% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1782% | 4,584 |
| Noncurrent loans to loans | 1.5884% | 4,114 |
| Net loans and leases to total assets | 69.4502% | 3,834 |
| Net loans and leases to deposits | 101.4641% | 1,120 |
| Net loans and leases to core deposits | 114.8263% | 2,826 |
| Total domestic deposits to total assets | 68.4481% | 7,592 |
| Equity capital to assets | 8.3805% | 6,228 |
| Core capital (leverage) ratio | 7.8391% | 6,566 |
| Tier 1 risk-based capital ratio | 10.8410% | 6,041 |
| Total risk-based capital ratio | 12.0947% | 5,972 |
| Memoranda: | ||
| Average total assets | $1,553,689,330 | 467 |
| Average earning assets | $1,438,495,670 | 462 |
| Average equity | $132,222,000 | 525 |
| Average total loans | $1,100,231,670 | 476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 6,096 |
| Cost of funding earning assets | 2.0564% | 3,837 |
| Net interest margin | 3.1981% | 5,863 |
| Noninterest income to average assets | 0.5794% | 3,694 |
| Noninterest expense to average assets | 2.4059% | 6,173 |
| Loan and lease loss provision to assets | 0.4187% | 2,829 |
| Net operating income to assets | 0.4710% | 4,561 |
| Return on assets (ROA) | 0.4816% | 4,698 |
| Pretax return on assets | 0.7212% | 4,355 |
| Return on Equity (ROE) | 5.6155% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.6155% | 2,816 |
| Net charge-offs to loans | 0.3119% | 2,854 |
| Credit loss provision to net charge-offs | 189.1892% | 2,321 |
| Earnings coverage of net charge-offs (x) | 5.0787% | 2,750 |
| Efficiency ratio | 68.1574% | 4,935 |
| Assets per employee ($millions) | 6.1672% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 3,523 |
| Loan loss allowance to noncurrent loans | 92.1381% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 4,426 |
| Noncurrent loans to loans | 1.5144% | 4,017 |
| Net loans and leases to total assets | 70.4073% | 3,592 |
| Net loans and leases to deposits | 103.2126% | 1,069 |
| Net loans and leases to core deposits | 117.9027% | 2,607 |
| Total domestic deposits to total assets | 68.2157% | 7,582 |
| Equity capital to assets | 8.6055% | 5,909 |
| Core capital (leverage) ratio | 7.9522% | 6,545 |
| Tier 1 risk-based capital ratio | 10.9108% | 5,977 |
| Total risk-based capital ratio | 12.1631% | 5,889 |
| Memoranda: | ||
| Average total assets | $1,538,060,000 | 474 |
| Average earning assets | $1,418,955,000 | 468 |
| Average equity | $131,920,000 | 523 |
| Average total loans | $1,091,520,000 | 482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 6,348 |
| Cost of funding earning assets | 2.4569% | 4,438 |
| Net interest margin | 3.3702% | 5,783 |
| Noninterest income to average assets | 0.6559% | 3,427 |
| Noninterest expense to average assets | 2.4410% | 6,250 |
| Loan and lease loss provision to assets | 0.3024% | 3,956 |
| Net operating income to assets | 0.6974% | 3,903 |
| Return on assets (ROA) | 0.7201% | 3,635 |
| Pretax return on assets | 1.0669% | 3,152 |
| Return on Equity (ROE) | 8.5138% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.3218% | 2,430 |
| Net charge-offs to loans | 0.2352% | 3,897 |
| Credit loss provision to net charge-offs | 182.6263% | 2,731 |
| Earnings coverage of net charge-offs (x) | 8.0651% | 2,943 |
| Efficiency ratio | 64.6376% | 5,413 |
| Assets per employee ($millions) | 5.9694% | 1,153 |
| Cash dividends to net income (ytd only)* | 49.2382% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 3,418 |
| Loan loss allowance to noncurrent loans | 102.0743% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 4,347 |
| Noncurrent loans to loans | 1.3330% | 3,849 |
| Net loans and leases to total assets | 69.5658% | 4,125 |
| Net loans and leases to deposits | 101.9763% | 1,593 |
| Net loans and leases to core deposits | 116.1321% | 3,107 |
| Total domestic deposits to total assets | 68.2176% | 7,449 |
| Equity capital to assets | 8.5482% | 6,014 |
| Core capital (leverage) ratio | 7.9235% | 6,614 |
| Tier 1 risk-based capital ratio | 11.2089% | 5,532 |
| Total risk-based capital ratio | 12.4606% | 5,412 |
| Memoranda: | ||
| Average total assets | $1,494,742,400 | 469 |
| Average earning assets | $1,383,990,400 | 463 |
| Average equity | $126,430,000 | 541 |
| Average total loans | $1,052,363,800 | 473 |