Home > Central Bank & Trust Company > Performance and Condition Ratios
Central Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 2,704 |
| Cost of funding earning assets | 0.9117% | 3,492 |
| Net interest margin | 3.7793% | 1,597 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 3.3323% | 715 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.9719% | 2,301 |
| Return on assets (ROA) | 0.9511% | 2,352 |
| Pretax return on assets | 1.1612% | 2,234 |
| Return on Equity (ROE) | 9.1700% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4217% | 1,418 |
| Net charge-offs to loans | 0.1543% | 673 |
| Credit loss provision to net charge-offs | 182.2239% | 1,296 |
| Earnings coverage of net charge-offs (x) | 12.6803% | 2,133 |
| Efficiency ratio | 70.9246% | 1,770 |
| Assets per employee ($millions) | 7.0382% | 2,045 |
| Cash dividends to net income (ytd only)* | 8.1828% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,749 |
| Loan loss allowance to noncurrent loans | 442.2635% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 2,238 |
| Noncurrent loans to loans | 0.2525% | 2,285 |
| Net loans and leases to total assets | 77.2200% | 949 |
| Net loans and leases to deposits | 97.1346% | 704 |
| Net loans and leases to core deposits | 109.7456% | 969 |
| Total domestic deposits to total assets | 79.5000% | 3,540 |
| Equity capital to assets | 11.4093% | 1,326 |
| Core capital (leverage) ratio | 11.3062% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2844% | 1,766 |
| Memoranda: | ||
| Average total assets | $3,597,791,800 | 350 |
| Average earning assets | $3,314,422,400 | 339 |
| Average equity | $373,058,400 | 331 |
| Average total loans | $2,511,518,400 | 347 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,755 |
| Cost of funding earning assets | 0.7822% | 3,573 |
| Net interest margin | 3.7877% | 1,627 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 3.3031% | 719 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9723% | 2,442 |
| Return on assets (ROA) | 0.9713% | 2,438 |
| Pretax return on assets | 1.1898% | 2,325 |
| Return on Equity (ROE) | 9.5900% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.8341% | 1,731 |
| Net charge-offs to loans | 0.1573% | 535 |
| Credit loss provision to net charge-offs | 192.0646% | 1,151 |
| Earnings coverage of net charge-offs (x) | 12.8368% | 2,053 |
| Efficiency ratio | 70.6839% | 1,710 |
| Assets per employee ($millions) | 7.1587% | 1,842 |
| Cash dividends to net income (ytd only)* | 7.9266% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,700 |
| Loan loss allowance to noncurrent loans | 406.0135% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,247 |
| Noncurrent loans to loans | 0.2797% | 2,237 |
| Net loans and leases to total assets | 72.0500% | 1,568 |
| Net loans and leases to deposits | 95.0003% | 819 |
| Net loans and leases to core deposits | 105.3238% | 1,049 |
| Total domestic deposits to total assets | 75.8400% | 4,024 |
| Equity capital to assets | 10.6533% | 1,483 |
| Core capital (leverage) ratio | 10.9931% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1589% | 1,834 |
| Memoranda: | ||
| Average total assets | $3,636,815,250 | 350 |
| Average earning assets | $3,336,554,750 | 340 |
| Average equity | $368,154,500 | 337 |
| Average total loans | $2,467,461,250 | 352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 2,425 |
| Cost of funding earning assets | 0.5336% | 3,583 |
| Net interest margin | 3.9178% | 1,442 |
| Noninterest income to average assets | 1.2000% | 440 |
| Noninterest expense to average assets | 3.2814% | 716 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.9601% | 2,653 |
| Return on assets (ROA) | 0.9601% | 2,616 |
| Pretax return on assets | 1.1774% | 2,485 |
| Return on Equity (ROE) | 9.8200% | 2,842 |
| Retained earnings to average equity (ytd only) | 9.0463% | 1,939 |
| Net charge-offs to loans | 0.1311% | 505 |
| Credit loss provision to net charge-offs | 320.2305% | 670 |
| Earnings coverage of net charge-offs (x) | 16.9770% | 1,506 |
| Efficiency ratio | 69.5433% | 1,797 |
| Assets per employee ($millions) | 7.1338% | 1,871 |
| Cash dividends to net income (ytd only)* | 7.9025% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,641 |
| Loan loss allowance to noncurrent loans | 343.5431% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 1,948 |
| Noncurrent loans to loans | 0.3446% | 1,912 |
| Net loans and leases to total assets | 66.9200% | 1,953 |
| Net loans and leases to deposits | 84.5553% | 1,460 |
| Net loans and leases to core deposits | 90.4149% | 1,594 |
| Total domestic deposits to total assets | 79.1500% | 3,885 |
| Equity capital to assets | 10.3029% | 1,672 |
| Core capital (leverage) ratio | 10.3310% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2652% | 1,878 |
| Memoranda: | ||
| Average total assets | $3,690,511,500 | 345 |
| Average earning assets | $3,316,949,500 | 342 |
| Average equity | $360,722,500 | 343 |
| Average total loans | $2,383,001,500 | 358 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 3,905 |
| Cost of funding earning assets | 0.2299% | 3,518 |
| Net interest margin | 2.9199% | 3,637 |
| Noninterest income to average assets | 1.1100% | 541 |
| Noninterest expense to average assets | 3.0351% | 920 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.5555% | 3,977 |
| Return on assets (ROA) | 0.5555% | 3,942 |
| Pretax return on assets | 0.6468% | 3,950 |
| Return on Equity (ROE) | 6.0600% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.2675% | 2,942 |
| Net charge-offs to loans | 0.1390% | 581 |
| Credit loss provision to net charge-offs | 175.2816% | 1,194 |
| Earnings coverage of net charge-offs (x) | 10.0182% | 2,206 |
| Efficiency ratio | 79.4726% | 758 |
| Assets per employee ($millions) | 7.6578% | 1,512 |
| Cash dividends to net income (ytd only)* | 13.0695% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 2,820 |
| Loan loss allowance to noncurrent loans | 270.8952% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 1,891 |
| Noncurrent loans to loans | 0.4117% | 1,693 |
| Net loans and leases to total assets | 60.9400% | 2,559 |
| Net loans and leases to deposits | 77.8172% | 1,966 |
| Net loans and leases to core deposits | 82.4440% | 1,975 |
| Total domestic deposits to total assets | 78.3200% | 4,061 |
| Equity capital to assets | 9.2819% | 2,168 |
| Core capital (leverage) ratio | 9.6973% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2072% | 1,892 |
| Memoranda: | ||
| Average total assets | $3,856,785,400 | 325 |
| Average earning assets | $3,584,771,200 | 315 |
| Average equity | $353,566,200 | 338 |
| Average total loans | $2,171,041,000 | 359 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 4,085 |
| Cost of funding earning assets | 0.1731% | 3,590 |
| Net interest margin | 2.7081% | 3,909 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.9815% | 930 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.5037% | 4,065 |
| Return on assets (ROA) | 0.5037% | 4,013 |
| Pretax return on assets | 0.5783% | 4,026 |
| Return on Equity (ROE) | 5.5100% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.7194% | 3,192 |
| Net charge-offs to loans | 0.1360% | 473 |
| Credit loss provision to net charge-offs | 152.9059% | 1,120 |
| Earnings coverage of net charge-offs (x) | 9.2629% | 2,026 |
| Efficiency ratio | 81.1481% | 708 |
| Assets per employee ($millions) | 7.7277% | 1,462 |
| Cash dividends to net income (ytd only)* | 14.3786% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,891 |
| Loan loss allowance to noncurrent loans | 288.6784% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 2,053 |
| Noncurrent loans to loans | 0.3909% | 1,835 |
| Net loans and leases to total assets | 56.9000% | 2,812 |
| Net loans and leases to deposits | 70.2511% | 2,341 |
| Net loans and leases to core deposits | 74.0638% | 2,342 |
| Total domestic deposits to total assets | 80.9900% | 3,982 |
| Equity capital to assets | 8.9182% | 2,266 |
| Core capital (leverage) ratio | 9.3452% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9063% | 1,737 |
| Memoranda: | ||
| Average total assets | $3,865,665,250 | 320 |
| Average earning assets | $3,658,596,000 | 308 |
| Average equity | $353,286,250 | 342 |
| Average total loans | $2,125,021,750 | 360 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6578% | 4,207 |
| Cost of funding earning assets | 0.1374% | 3,743 |
| Net interest margin | 2.5204% | 4,055 |
| Noninterest income to average assets | 1.1006% | 551 |
| Noninterest expense to average assets | 2.9481% | 915 |
| Loan and lease loss provision to assets | 0.0764% | 1,263 |
| Net operating income to assets | 0.4213% | 4,073 |
| Return on assets (ROA) | 0.4213% | 4,020 |
| Pretax return on assets | 0.4686% | 4,045 |
| Return on Equity (ROE) | 4.5725% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,167 |
| Net charge-offs to loans | 0.1494% | 429 |
| Credit loss provision to net charge-offs | 94.4302% | 1,326 |
| Earnings coverage of net charge-offs (x) | 6.7401% | 1,882 |
| Efficiency ratio | 84.3986% | 659 |
| Assets per employee ($millions) | 7.5627% | 1,572 |
| Cash dividends to net income (ytd only)* | 17.2032% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,032 |
| Loan loss allowance to noncurrent loans | 266.7894% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,115 |
| Noncurrent loans to loans | 0.4237% | 1,847 |
| Net loans and leases to total assets | 54.3192% | 2,926 |
| Net loans and leases to deposits | 66.9424% | 2,472 |
| Net loans and leases to core deposits | 70.2562% | 2,475 |
| Total domestic deposits to total assets | 81.1433% | 4,109 |
| Equity capital to assets | 9.0539% | 2,352 |
| Core capital (leverage) ratio | 9.3069% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5990% | 1,542 |
| Memoranda: | ||
| Average total assets | $3,863,696,333 | 320 |
| Average earning assets | $3,667,635,333 | 310 |
| Average equity | $355,956,667 | 345 |
| Average total loans | $2,090,695,000 | 355 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5216% | 4,241 |
| Cost of funding earning assets | 0.1141% | 3,958 |
| Net interest margin | 2.4075% | 4,055 |
| Noninterest income to average assets | 1.1192% | 539 |
| Noninterest expense to average assets | 2.9058% | 945 |
| Loan and lease loss provision to assets | 0.1343% | 603 |
| Net operating income to assets | 0.3464% | 4,063 |
| Return on assets (ROA) | 0.3464% | 4,026 |
| Pretax return on assets | 0.3769% | 4,074 |
| Return on Equity (ROE) | 3.7278% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.9493% | 3,280 |
| Net charge-offs to loans | 0.3368% | 193 |
| Credit loss provision to net charge-offs | 74.2857% | 1,123 |
| Earnings coverage of net charge-offs (x) | 2.8269% | 1,690 |
| Efficiency ratio | 85.0395% | 784 |
| Assets per employee ($millions) | 7.6707% | 1,571 |
| Cash dividends to net income (ytd only)* | 20.8831% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,182 |
| Loan loss allowance to noncurrent loans | 151.8184% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 1,469 |
| Noncurrent loans to loans | 0.7463% | 1,273 |
| Net loans and leases to total assets | 53.3559% | 2,837 |
| Net loans and leases to deposits | 66.0202% | 2,338 |
| Net loans and leases to core deposits | 68.7722% | 2,389 |
| Total domestic deposits to total assets | 80.8175% | 4,218 |
| Equity capital to assets | 9.2100% | 2,518 |
| Core capital (leverage) ratio | 9.2436% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0798% | 1,494 |
| Memoranda: | ||
| Average total assets | $3,870,831,500 | 324 |
| Average earning assets | $3,694,493,500 | 316 |
| Average equity | $359,672,500 | 354 |
| Average total loans | $2,078,599,500 | 355 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 3,661 |
| Cost of funding earning assets | 0.1127% | 4,288 |
| Net interest margin | 2.9995% | 3,194 |
| Noninterest income to average assets | 1.3258% | 612 |
| Noninterest expense to average assets | 3.1181% | 823 |
| Loan and lease loss provision to assets | 0.0286% | 2,485 |
| Net operating income to assets | 0.8832% | 3,103 |
| Return on assets (ROA) | 0.8832% | 3,162 |
| Pretax return on assets | 1.0707% | 3,061 |
| Return on Equity (ROE) | 8.8808% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.0881% | 1,503 |
| Net charge-offs to loans | 0.0968% | 872 |
| Credit loss provision to net charge-offs | 46.0598% | 2,161 |
| Earnings coverage of net charge-offs (x) | 17.6834% | 1,933 |
| Efficiency ratio | 73.9342% | 1,313 |
| Assets per employee ($millions) | 7.5699% | 1,575 |
| Cash dividends to net income (ytd only)* | 8.9257% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,107 |
| Loan loss allowance to noncurrent loans | 155.0100% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,605 |
| Noncurrent loans to loans | 0.7445% | 1,368 |
| Net loans and leases to total assets | 52.8169% | 2,975 |
| Net loans and leases to deposits | 63.4874% | 2,735 |
| Net loans and leases to core deposits | 66.0064% | 2,818 |
| Total domestic deposits to total assets | 83.1928% | 3,768 |
| Equity capital to assets | 9.3729% | 3,251 |
| Core capital (leverage) ratio | 9.4675% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2434% | 1,206 |
| Memoranda: | ||
| Average total assets | $3,551,850,800 | 329 |
| Average earning assets | $3,423,942,000 | 316 |
| Average equity | $353,234,200 | 355 |
| Average total loans | $2,280,524,200 | 326 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 3,466 |
| Cost of funding earning assets | 0.1165% | 4,373 |
| Net interest margin | 3.1506% | 2,892 |
| Noninterest income to average assets | 1.3522% | 650 |
| Noninterest expense to average assets | 3.1672% | 751 |
| Loan and lease loss provision to assets | 0.0279% | 2,437 |
| Net operating income to assets | 0.9890% | 2,952 |
| Return on assets (ROA) | 0.9890% | 3,031 |
| Pretax return on assets | 1.1901% | 2,964 |
| Return on Equity (ROE) | 9.7868% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.9876% | 1,700 |
| Net charge-offs to loans | 0.0846% | 838 |
| Credit loss provision to net charge-offs | 49.1548% | 1,865 |
| Earnings coverage of net charge-offs (x) | 21.4151% | 1,709 |
| Efficiency ratio | 72.2245% | 1,382 |
| Assets per employee ($millions) | 7.1388% | 1,781 |
| Cash dividends to net income (ytd only)* | 8.1655% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,293 |
| Loan loss allowance to noncurrent loans | 175.1972% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,888 |
| Noncurrent loans to loans | 0.6451% | 1,696 |
| Net loans and leases to total assets | 58.2547% | 2,453 |
| Net loans and leases to deposits | 70.8491% | 2,159 |
| Net loans and leases to core deposits | 73.9073% | 2,251 |
| Total domestic deposits to total assets | 82.2236% | 3,881 |
| Equity capital to assets | 9.8663% | 3,026 |
| Core capital (leverage) ratio | 9.8389% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0180% | 1,347 |
| Memoranda: | ||
| Average total assets | $3,467,075,000 | 337 |
| Average earning assets | $3,337,696,250 | 323 |
| Average equity | $350,369,250 | 353 |
| Average total loans | $2,330,886,250 | 322 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 3,426 |
| Cost of funding earning assets | 0.1208% | 4,435 |
| Net interest margin | 3.1787% | 2,814 |
| Noninterest income to average assets | 1.3368% | 663 |
| Noninterest expense to average assets | 3.1670% | 758 |
| Loan and lease loss provision to assets | 0.0428% | 2,155 |
| Net operating income to assets | 0.9937% | 2,908 |
| Return on assets (ROA) | 0.9937% | 2,993 |
| Pretax return on assets | 1.1824% | 2,961 |
| Return on Equity (ROE) | 9.7500% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.9418% | 1,728 |
| Net charge-offs to loans | 0.0678% | 949 |
| Credit loss provision to net charge-offs | 89.8640% | 1,433 |
| Earnings coverage of net charge-offs (x) | 25.7417% | 1,399 |
| Efficiency ratio | 72.1065% | 1,425 |
| Assets per employee ($millions) | 6.9912% | 1,817 |
| Cash dividends to net income (ytd only)* | 8.2884% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,636 |
| Loan loss allowance to noncurrent loans | 180.7474% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,968 |
| Noncurrent loans to loans | 0.5799% | 1,949 |
| Net loans and leases to total assets | 68.2073% | 1,422 |
| Net loans and leases to deposits | 82.7785% | 1,143 |
| Net loans and leases to core deposits | 86.8408% | 1,357 |
| Total domestic deposits to total assets | 82.3974% | 3,841 |
| Equity capital to assets | 10.1852% | 2,685 |
| Core capital (leverage) ratio | 9.8130% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1343% | 1,588 |
| Memoranda: | ||
| Average total assets | $3,399,653,667 | 340 |
| Average earning assets | $3,267,707,000 | 325 |
| Average equity | $346,483,333 | 355 |
| Average total loans | $2,387,183,000 | 314 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 3,344 |
| Cost of funding earning assets | 0.1259% | 4,490 |
| Net interest margin | 3.2230% | 2,624 |
| Noninterest income to average assets | 1.3577% | 710 |
| Noninterest expense to average assets | 3.1556% | 769 |
| Loan and lease loss provision to assets | 0.0589% | 1,950 |
| Net operating income to assets | 1.0669% | 2,580 |
| Return on assets (ROA) | 1.0669% | 2,659 |
| Pretax return on assets | 1.2403% | 2,733 |
| Return on Equity (ROE) | 10.4652% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.6483% | 1,754 |
| Net charge-offs to loans | 0.0515% | 991 |
| Credit loss provision to net charge-offs | 161.2378% | 960 |
| Earnings coverage of net charge-offs (x) | 35.5700% | 1,023 |
| Efficiency ratio | 70.8364% | 1,616 |
| Assets per employee ($millions) | 6.6705% | 2,030 |
| Cash dividends to net income (ytd only)* | 7.8055% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,658 |
| Loan loss allowance to noncurrent loans | 106.6810% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,272 |
| Noncurrent loans to loans | 0.9826% | 1,373 |
| Net loans and leases to total assets | 69.3189% | 1,377 |
| Net loans and leases to deposits | 83.9847% | 1,145 |
| Net loans and leases to core deposits | 88.3802% | 1,339 |
| Total domestic deposits to total assets | 82.5376% | 3,792 |
| Equity capital to assets | 10.0282% | 2,681 |
| Core capital (leverage) ratio | 10.0798% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5213% | 1,422 |
| Memoranda: | ||
| Average total assets | $3,362,159,500 | 343 |
| Average earning assets | $3,230,760,500 | 327 |
| Average equity | $342,775,000 | 356 |
| Average total loans | $2,383,243,500 | 318 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 3,363 |
| Cost of funding earning assets | 0.2287% | 4,472 |
| Net interest margin | 3.5498% | 2,314 |
| Noninterest income to average assets | 1.3693% | 624 |
| Noninterest expense to average assets | 3.9460% | 398 |
| Loan and lease loss provision to assets | 0.2599% | 1,494 |
| Net operating income to assets | 0.5137% | 4,000 |
| Return on assets (ROA) | 0.5137% | 4,083 |
| Pretax return on assets | 0.5547% | 4,170 |
| Return on Equity (ROE) | 4.6949% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.6307% | 3,027 |
| Net charge-offs to loans | 0.0775% | 1,705 |
| Credit loss provision to net charge-offs | 451.0393% | 1,331 |
| Earnings coverage of net charge-offs (x) | 14.1374% | 2,231 |
| Efficiency ratio | 82.8903% | 700 |
| Assets per employee ($millions) | 6.3353% | 2,058 |
| Cash dividends to net income (ytd only)* | 22.6655% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,585 |
| Loan loss allowance to noncurrent loans | 110.7325% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 1,400 |
| Noncurrent loans to loans | 0.9695% | 1,456 |
| Net loans and leases to total assets | 70.9923% | 1,425 |
| Net loans and leases to deposits | 86.6355% | 1,203 |
| Net loans and leases to core deposits | 91.8466% | 1,394 |
| Total domestic deposits to total assets | 81.9436% | 3,677 |
| Equity capital to assets | 10.3714% | 2,782 |
| Core capital (leverage) ratio | 10.2358% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1834% | 1,474 |
| Memoranda: | ||
| Average total assets | $3,006,215,600 | 336 |
| Average earning assets | $2,871,974,400 | 326 |
| Average equity | $328,912,800 | 348 |
| Average total loans | $2,234,956,600 | 321 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 3,383 |
| Cost of funding earning assets | 0.2610% | 4,469 |
| Net interest margin | 3.5991% | 2,274 |
| Noninterest income to average assets | 1.3225% | 623 |
| Noninterest expense to average assets | 3.6429% | 586 |
| Loan and lease loss provision to assets | 0.2570% | 1,581 |
| Net operating income to assets | 0.7575% | 3,258 |
| Return on assets (ROA) | 0.7575% | 3,370 |
| Pretax return on assets | 0.8597% | 3,493 |
| Return on Equity (ROE) | 6.8246% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.6808% | 2,251 |
| Net charge-offs to loans | 0.0741% | 1,571 |
| Credit loss provision to net charge-offs | 461.8582% | 1,342 |
| Earnings coverage of net charge-offs (x) | 20.0709% | 1,918 |
| Efficiency ratio | 76.5390% | 1,155 |
| Assets per employee ($millions) | 6.1063% | 2,173 |
| Cash dividends to net income (ytd only)* | 16.7604% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,731 |
| Loan loss allowance to noncurrent loans | 128.9980% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 1,802 |
| Noncurrent loans to loans | 0.7708% | 1,888 |
| Net loans and leases to total assets | 75.1419% | 1,217 |
| Net loans and leases to deposits | 92.5873% | 1,026 |
| Net loans and leases to core deposits | 97.9848% | 1,308 |
| Total domestic deposits to total assets | 81.1580% | 3,621 |
| Equity capital to assets | 10.6984% | 2,624 |
| Core capital (leverage) ratio | 10.5572% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6929% | 1,325 |
| Memoranda: | ||
| Average total assets | $2,940,513,500 | 334 |
| Average earning assets | $2,808,154,250 | 323 |
| Average equity | $326,379,750 | 346 |
| Average total loans | $2,207,210,750 | 320 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,449 |
| Cost of funding earning assets | 0.3160% | 4,413 |
| Net interest margin | 3.6391% | 2,349 |
| Noninterest income to average assets | 1.2819% | 622 |
| Noninterest expense to average assets | 3.7390% | 540 |
| Loan and lease loss provision to assets | 0.2310% | 1,821 |
| Net operating income to assets | 0.7172% | 3,335 |
| Return on assets (ROA) | 0.7172% | 3,445 |
| Pretax return on assets | 0.7816% | 3,641 |
| Return on Equity (ROE) | 6.3785% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.5141% | 2,272 |
| Net charge-offs to loans | 0.0983% | 1,285 |
| Credit loss provision to net charge-offs | 314.1643% | 1,582 |
| Earnings coverage of net charge-offs (x) | 13.7724% | 1,978 |
| Efficiency ratio | 78.6884% | 988 |
| Assets per employee ($millions) | 6.0735% | 2,116 |
| Cash dividends to net income (ytd only)* | 13.5528% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,012 |
| Loan loss allowance to noncurrent loans | 116.5821% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 1,894 |
| Noncurrent loans to loans | 0.7700% | 1,963 |
| Net loans and leases to total assets | 74.9997% | 1,279 |
| Net loans and leases to deposits | 92.8456% | 1,066 |
| Net loans and leases to core deposits | 98.9857% | 1,330 |
| Total domestic deposits to total assets | 80.7790% | 3,662 |
| Equity capital to assets | 10.4575% | 2,782 |
| Core capital (leverage) ratio | 10.4459% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1967% | 1,447 |
| Memoranda: | ||
| Average total assets | $2,880,586,333 | 334 |
| Average earning assets | $2,746,474,000 | 326 |
| Average equity | $323,899,333 | 345 |
| Average total loans | $2,153,549,000 | 321 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,314 |
| Cost of funding earning assets | 0.4606% | 4,112 |
| Net interest margin | 3.7115% | 2,286 |
| Noninterest income to average assets | 1.3887% | 456 |
| Noninterest expense to average assets | 3.8347% | 596 |
| Loan and lease loss provision to assets | 0.1114% | 2,289 |
| Net operating income to assets | 0.8747% | 2,597 |
| Return on assets (ROA) | 0.8747% | 2,703 |
| Pretax return on assets | 0.9769% | 2,910 |
| Return on Equity (ROE) | 7.4797% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.6084% | 1,679 |
| Net charge-offs to loans | 0.0651% | 1,369 |
| Credit loss provision to net charge-offs | 230.4217% | 1,337 |
| Earnings coverage of net charge-offs (x) | 22.5181% | 1,355 |
| Efficiency ratio | 77.8941% | 1,353 |
| Assets per employee ($millions) | 5.1870% | 2,442 |
| Cash dividends to net income (ytd only)* | 11.6492% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,877 |
| Loan loss allowance to noncurrent loans | 200.9876% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 2,778 |
| Noncurrent loans to loans | 0.4792% | 2,819 |
| Net loans and leases to total assets | 73.4938% | 1,696 |
| Net loans and leases to deposits | 92.4739% | 1,228 |
| Net loans and leases to core deposits | 101.7638% | 1,347 |
| Total domestic deposits to total assets | 79.4752% | 3,961 |
| Equity capital to assets | 11.8338% | 2,192 |
| Core capital (leverage) ratio | 11.7128% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2216% | 1,837 |
| Memoranda: | ||
| Average total assets | $2,747,840,000 | 340 |
| Average earning assets | $2,616,596,500 | 331 |
| Average equity | $321,348,000 | 344 |
| Average total loans | $2,039,862,000 | 327 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,594 |
| Cost of funding earning assets | 0.6099% | 3,597 |
| Net interest margin | 3.9949% | 1,873 |
| Noninterest income to average assets | 1.4595% | 436 |
| Noninterest expense to average assets | 3.8064% | 669 |
| Loan and lease loss provision to assets | 0.1001% | 2,056 |
| Net operating income to assets | 1.1636% | 2,204 |
| Return on assets (ROA) | 1.1636% | 2,296 |
| Pretax return on assets | 1.3529% | 2,319 |
| Return on Equity (ROE) | 10.1099% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.1984% | 662 |
| Net charge-offs to loans | 0.1797% | 1,120 |
| Credit loss provision to net charge-offs | 71.2533% | 2,900 |
| Earnings coverage of net charge-offs (x) | 10.3419% | 2,581 |
| Efficiency ratio | 72.3726% | 1,816 |
| Assets per employee ($millions) | 5.1629% | 2,379 |
| Cash dividends to net income (ytd only)* | 9.0157% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 3,835 |
| Loan loss allowance to noncurrent loans | 255.6329% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,059 |
| Noncurrent loans to loans | 0.3644% | 3,145 |
| Net loans and leases to total assets | 73.5697% | 1,826 |
| Net loans and leases to deposits | 91.5753% | 1,420 |
| Net loans and leases to core deposits | 101.1552% | 1,471 |
| Total domestic deposits to total assets | 80.3379% | 3,908 |
| Equity capital to assets | 11.5567% | 2,482 |
| Core capital (leverage) ratio | 11.5769% | 2,055 |
| Tier 1 risk-based capital ratio | 14.3675% | 3,082 |
| Total risk-based capital ratio | 15.2428% | 3,181 |
| Memoranda: | ||
| Average total assets | $2,668,995,000 | 338 |
| Average earning assets | $2,538,792,800 | 328 |
| Average equity | $307,193,600 | 339 |
| Average total loans | $2,087,041,800 | 313 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 2,487 |
| Cost of funding earning assets | 0.6327% | 3,523 |
| Net interest margin | 4.0420% | 1,797 |
| Noninterest income to average assets | 1.4695% | 420 |
| Noninterest expense to average assets | 3.7913% | 667 |
| Loan and lease loss provision to assets | 0.1347% | 1,425 |
| Net operating income to assets | 1.2049% | 2,178 |
| Return on assets (ROA) | 1.2049% | 2,263 |
| Pretax return on assets | 1.3884% | 2,355 |
| Return on Equity (ROE) | 10.4796% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.5592% | 879 |
| Net charge-offs to loans | 0.2076% | 846 |
| Credit loss provision to net charge-offs | 81.8878% | 2,478 |
| Earnings coverage of net charge-offs (x) | 9.2620% | 2,584 |
| Efficiency ratio | 71.3408% | 1,919 |
| Assets per employee ($millions) | 5.0584% | 2,491 |
| Cash dividends to net income (ytd only)* | 8.7833% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,872 |
| Loan loss allowance to noncurrent loans | 231.3105% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 2,910 |
| Noncurrent loans to loans | 0.4065% | 3,089 |
| Net loans and leases to total assets | 76.4044% | 1,414 |
| Net loans and leases to deposits | 95.6299% | 1,059 |
| Net loans and leases to core deposits | 105.8825% | 1,191 |
| Total domestic deposits to total assets | 79.8959% | 4,011 |
| Equity capital to assets | 11.6588% | 2,552 |
| Core capital (leverage) ratio | 11.4340% | 2,278 |
| Tier 1 risk-based capital ratio | 13.7375% | 3,459 |
| Total risk-based capital ratio | 14.6162% | 3,547 |
| Memoranda: | ||
| Average total assets | $2,645,706,750 | 343 |
| Average earning assets | $2,516,630,750 | 333 |
| Average equity | $304,188,500 | 343 |
| Average total loans | $2,096,000,000 | 317 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 2,463 |
| Cost of funding earning assets | 0.6319% | 3,501 |
| Net interest margin | 4.0333% | 1,822 |
| Noninterest income to average assets | 1.4433% | 423 |
| Noninterest expense to average assets | 3.7654% | 690 |
| Loan and lease loss provision to assets | 0.1569% | 1,156 |
| Net operating income to assets | 1.2091% | 2,117 |
| Return on assets (ROA) | 1.2091% | 2,180 |
| Pretax return on assets | 1.3605% | 2,345 |
| Return on Equity (ROE) | 10.5672% | 2,148 |
| Retained earnings to average equity (ytd only) | 9.6358% | 868 |
| Net charge-offs to loans | 0.0949% | 1,413 |
| Credit loss provision to net charge-offs | 206.7202% | 1,176 |
| Earnings coverage of net charge-offs (x) | 19.9920% | 1,792 |
| Efficiency ratio | 71.2771% | 2,020 |
| Assets per employee ($millions) | 5.0493% | 2,418 |
| Cash dividends to net income (ytd only)* | 8.8145% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,653 |
| Loan loss allowance to noncurrent loans | 190.3682% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,531 |
| Noncurrent loans to loans | 0.5230% | 2,712 |
| Net loans and leases to total assets | 78.9491% | 1,048 |
| Net loans and leases to deposits | 98.4795% | 797 |
| Net loans and leases to core deposits | 108.3927% | 1,073 |
| Total domestic deposits to total assets | 80.1681% | 4,003 |
| Equity capital to assets | 11.4946% | 2,609 |
| Core capital (leverage) ratio | 11.5018% | 2,165 |
| Tier 1 risk-based capital ratio | 13.0356% | 3,821 |
| Total risk-based capital ratio | 13.9620% | 3,905 |
| Memoranda: | ||
| Average total assets | $2,627,213,670 | 346 |
| Average earning assets | $2,500,958,670 | 333 |
| Average equity | $300,609,670 | 347 |
| Average total loans | $2,100,194,330 | 318 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 2,388 |
| Cost of funding earning assets | 0.6101% | 3,510 |
| Net interest margin | 4.0369% | 1,723 |
| Noninterest income to average assets | 1.4770% | 399 |
| Noninterest expense to average assets | 3.7136% | 741 |
| Loan and lease loss provision to assets | 0.1062% | 1,679 |
| Net operating income to assets | 1.3930% | 1,397 |
| Return on assets (ROA) | 1.3930% | 1,430 |
| Pretax return on assets | 1.5001% | 1,769 |
| Return on Equity (ROE) | 12.2029% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.2605% | 754 |
| Net charge-offs to loans | 0.0758% | 1,313 |
| Credit loss provision to net charge-offs | 174.9367% | 1,137 |
| Earnings coverage of net charge-offs (x) | 26.4608% | 1,405 |
| Efficiency ratio | 69.8059% | 2,376 |
| Assets per employee ($millions) | 5.0500% | 2,461 |
| Cash dividends to net income (ytd only)* | 7.7229% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,818 |
| Loan loss allowance to noncurrent loans | 178.2488% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 2,456 |
| Noncurrent loans to loans | 0.5509% | 2,670 |
| Net loans and leases to total assets | 79.2470% | 955 |
| Net loans and leases to deposits | 99.3205% | 679 |
| Net loans and leases to core deposits | 108.9931% | 984 |
| Total domestic deposits to total assets | 79.7891% | 4,205 |
| Equity capital to assets | 11.5631% | 2,340 |
| Core capital (leverage) ratio | 11.5434% | 2,106 |
| Tier 1 risk-based capital ratio | 12.9479% | 3,902 |
| Total risk-based capital ratio | 13.8539% | 3,978 |
| Memoranda: | ||
| Average total assets | $2,602,766,000 | 351 |
| Average earning assets | $2,477,627,500 | 339 |
| Average equity | $297,110,000 | 350 |
| Average total loans | $2,083,286,000 | 324 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 2,625 |
| Cost of funding earning assets | 0.4588% | 3,618 |
| Net interest margin | 3.9838% | 2,044 |
| Noninterest income to average assets | 1.4372% | 438 |
| Noninterest expense to average assets | 3.8033% | 680 |
| Loan and lease loss provision to assets | 0.0845% | 2,443 |
| Net operating income to assets | 1.1421% | 2,426 |
| Return on assets (ROA) | 1.1421% | 2,425 |
| Pretax return on assets | 1.3336% | 2,385 |
| Return on Equity (ROE) | 10.2272% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.2283% | 798 |
| Net charge-offs to loans | 0.1192% | 1,549 |
| Credit loss provision to net charge-offs | 87.5310% | 2,754 |
| Earnings coverage of net charge-offs (x) | 14.6965% | 2,366 |
| Efficiency ratio | 72.8415% | 1,789 |
| Assets per employee ($millions) | 5.2152% | 2,248 |
| Cash dividends to net income (ytd only)* | 9.7670% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,865 |
| Loan loss allowance to noncurrent loans | 172.0631% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 2,317 |
| Noncurrent loans to loans | 0.5637% | 2,581 |
| Net loans and leases to total assets | 79.3510% | 1,043 |
| Net loans and leases to deposits | 97.6649% | 927 |
| Net loans and leases to core deposits | 106.2083% | 1,255 |
| Total domestic deposits to total assets | 81.2483% | 3,832 |
| Equity capital to assets | 11.2780% | 2,440 |
| Core capital (leverage) ratio | 11.0652% | 2,466 |
| Tier 1 risk-based capital ratio | 12.6343% | 4,055 |
| Total risk-based capital ratio | 13.5311% | 4,137 |
| Memoranda: | ||
| Average total assets | $2,510,154,400 | 358 |
| Average earning assets | $2,384,377,800 | 346 |
| Average equity | $280,312,600 | 354 |
| Average total loans | $2,031,976,200 | 324 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 2,655 |
| Cost of funding earning assets | 0.4182% | 3,734 |
| Net interest margin | 3.9731% | 2,037 |
| Noninterest income to average assets | 1.4548% | 443 |
| Noninterest expense to average assets | 3.8033% | 668 |
| Loan and lease loss provision to assets | 0.0939% | 2,099 |
| Net operating income to assets | 1.1385% | 2,498 |
| Return on assets (ROA) | 1.1385% | 2,510 |
| Pretax return on assets | 1.3288% | 2,511 |
| Return on Equity (ROE) | 10.2219% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.2116% | 1,147 |
| Net charge-offs to loans | 0.1015% | 1,477 |
| Credit loss provision to net charge-offs | 113.9883% | 2,064 |
| Earnings coverage of net charge-offs (x) | 17.2752% | 2,118 |
| Efficiency ratio | 72.7767% | 1,768 |
| Assets per employee ($millions) | 5.1724% | 2,249 |
| Cash dividends to net income (ytd only)* | 9.8828% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,651 |
| Loan loss allowance to noncurrent loans | 149.2322% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 2,270 |
| Noncurrent loans to loans | 0.6820% | 2,376 |
| Net loans and leases to total assets | 79.1140% | 1,145 |
| Net loans and leases to deposits | 97.1641% | 1,027 |
| Net loans and leases to core deposits | 106.1417% | 1,299 |
| Total domestic deposits to total assets | 81.4231% | 3,759 |
| Equity capital to assets | 11.2641% | 2,418 |
| Core capital (leverage) ratio | 10.9472% | 2,630 |
| Tier 1 risk-based capital ratio | 12.4626% | 4,215 |
| Total risk-based capital ratio | 13.3974% | 4,309 |
| Memoranda: | ||
| Average total assets | $2,488,402,750 | 360 |
| Average earning assets | $2,361,903,250 | 349 |
| Average equity | $277,164,000 | 354 |
| Average total loans | $2,019,706,250 | 325 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 2,594 |
| Cost of funding earning assets | 0.3805% | 3,869 |
| Net interest margin | 3.9668% | 1,975 |
| Noninterest income to average assets | 1.4429% | 460 |
| Noninterest expense to average assets | 3.8130% | 660 |
| Loan and lease loss provision to assets | 0.0848% | 2,219 |
| Net operating income to assets | 1.1229% | 2,506 |
| Return on assets (ROA) | 1.1229% | 2,509 |
| Pretax return on assets | 1.3079% | 2,475 |
| Return on Equity (ROE) | 10.1211% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.0992% | 1,180 |
| Net charge-offs to loans | 0.0345% | 2,159 |
| Credit loss provision to net charge-offs | 300.8621% | 994 |
| Earnings coverage of net charge-offs (x) | 49.4167% | 1,134 |
| Efficiency ratio | 73.2467% | 1,809 |
| Assets per employee ($millions) | 5.0132% | 2,403 |
| Cash dividends to net income (ytd only)* | 10.0966% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,601 |
| Loan loss allowance to noncurrent loans | 158.3969% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 2,339 |
| Noncurrent loans to loans | 0.6558% | 2,470 |
| Net loans and leases to total assets | 80.3482% | 966 |
| Net loans and leases to deposits | 98.1667% | 956 |
| Net loans and leases to core deposits | 106.1924% | 1,229 |
| Total domestic deposits to total assets | 81.8488% | 3,772 |
| Equity capital to assets | 11.1526% | 2,504 |
| Core capital (leverage) ratio | 10.8834% | 2,628 |
| Tier 1 risk-based capital ratio | 12.1973% | 4,375 |
| Total risk-based capital ratio | 13.1569% | 4,435 |
| Memoranda: | ||
| Average total assets | $2,469,602,330 | 360 |
| Average earning assets | $2,342,620,670 | 351 |
| Average equity | $274,002,330 | 354 |
| Average total loans | $2,014,942,670 | 322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,646 |
| Cost of funding earning assets | 0.3293% | 4,138 |
| Net interest margin | 3.9382% | 1,904 |
| Noninterest income to average assets | 1.5207% | 419 |
| Noninterest expense to average assets | 3.7948% | 682 |
| Loan and lease loss provision to assets | 0.1168% | 1,619 |
| Net operating income to assets | 1.1353% | 2,265 |
| Return on assets (ROA) | 1.1353% | 2,282 |
| Pretax return on assets | 1.3389% | 2,221 |
| Return on Equity (ROE) | 10.2603% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.2268% | 1,390 |
| Net charge-offs to loans | 0.0509% | 1,588 |
| Credit loss provision to net charge-offs | 280.3922% | 858 |
| Earnings coverage of net charge-offs (x) | 34.9451% | 1,146 |
| Efficiency ratio | 72.2753% | 2,149 |
| Assets per employee ($millions) | 4.9680% | 2,523 |
| Cash dividends to net income (ytd only)* | 10.0719% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,720 |
| Loan loss allowance to noncurrent loans | 152.6159% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 2,350 |
| Noncurrent loans to loans | 0.6823% | 2,505 |
| Net loans and leases to total assets | 79.9732% | 938 |
| Net loans and leases to deposits | 97.1769% | 927 |
| Net loans and leases to core deposits | 104.1929% | 1,363 |
| Total domestic deposits to total assets | 82.2965% | 3,873 |
| Equity capital to assets | 11.0078% | 2,569 |
| Core capital (leverage) ratio | 10.8827% | 2,554 |
| Tier 1 risk-based capital ratio | 12.1335% | 4,472 |
| Total risk-based capital ratio | 13.0974% | 4,534 |
| Memoranda: | ||
| Average total assets | $2,448,602,500 | 363 |
| Average earning assets | $2,319,027,000 | 354 |
| Average equity | $270,948,500 | 357 |
| Average total loans | $2,002,808,500 | 326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 2,725 |
| Cost of funding earning assets | 0.2542% | 4,525 |
| Net interest margin | 3.9358% | 1,967 |
| Noninterest income to average assets | 1.5651% | 427 |
| Noninterest expense to average assets | 3.9357% | 588 |
| Loan and lease loss provision to assets | 0.0987% | 2,254 |
| Net operating income to assets | 0.7565% | 3,359 |
| Return on assets (ROA) | 0.7565% | 3,399 |
| Pretax return on assets | 1.2406% | 2,593 |
| Return on Equity (ROE) | 6.8312% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.0213% | 1,531 |
| Net charge-offs to loans | 0.1275% | 1,773 |
| Credit loss provision to net charge-offs | 95.9701% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.0283% | 2,426 |
| Efficiency ratio | 74.6108% | 1,805 |
| Assets per employee ($millions) | 4.8554% | 2,668 |
| Cash dividends to net income (ytd only)* | 11.8550% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,762 |
| Loan loss allowance to noncurrent loans | 150.7469% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 2,286 |
| Noncurrent loans to loans | 0.6814% | 2,509 |
| Net loans and leases to total assets | 81.9553% | 687 |
| Net loans and leases to deposits | 99.0217% | 814 |
| Net loans and leases to core deposits | 104.2136% | 1,401 |
| Total domestic deposits to total assets | 82.7650% | 3,642 |
| Equity capital to assets | 11.1250% | 2,515 |
| Core capital (leverage) ratio | 10.8276% | 2,500 |
| Tier 1 risk-based capital ratio | 11.9501% | 4,566 |
| Total risk-based capital ratio | 12.9011% | 4,640 |
| Memoranda: | ||
| Average total assets | $2,341,495,200 | 365 |
| Average earning assets | $2,207,082,400 | 351 |
| Average equity | $259,312,000 | 357 |
| Average total loans | $1,887,740,200 | 324 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 2,782 |
| Cost of funding earning assets | 0.2370% | 4,679 |
| Net interest margin | 3.9160% | 1,983 |
| Noninterest income to average assets | 1.4876% | 489 |
| Noninterest expense to average assets | 3.9191% | 579 |
| Loan and lease loss provision to assets | 0.1325% | 1,641 |
| Net operating income to assets | 0.8563% | 3,253 |
| Return on assets (ROA) | 0.8563% | 3,298 |
| Pretax return on assets | 1.1222% | 3,224 |
| Return on Equity (ROE) | 7.7408% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.6520% | 1,874 |
| Net charge-offs to loans | 0.0853% | 1,948 |
| Credit loss provision to net charge-offs | 194.1176% | 1,372 |
| Earnings coverage of net charge-offs (x) | 18.3840% | 2,051 |
| Efficiency ratio | 75.7496% | 1,626 |
| Assets per employee ($millions) | 4.7492% | 2,766 |
| Cash dividends to net income (ytd only)* | 14.0656% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,403 |
| Loan loss allowance to noncurrent loans | 93.0857% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 1,396 |
| Noncurrent loans to loans | 1.1995% | 1,595 |
| Net loans and leases to total assets | 81.7529% | 735 |
| Net loans and leases to deposits | 99.4638% | 784 |
| Net loans and leases to core deposits | 104.7024% | 1,348 |
| Total domestic deposits to total assets | 82.1936% | 3,715 |
| Equity capital to assets | 11.2319% | 2,638 |
| Core capital (leverage) ratio | 10.8235% | 2,619 |
| Tier 1 risk-based capital ratio | 12.2681% | 4,457 |
| Total risk-based capital ratio | 13.3223% | 4,449 |
| Memoranda: | ||
| Average total assets | $2,324,803,750 | 366 |
| Average earning assets | $2,188,352,500 | 353 |
| Average equity | $257,160,500 | 361 |
| Average total loans | $1,861,129,500 | 328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 2,852 |
| Cost of funding earning assets | 0.2170% | 4,823 |
| Net interest margin | 3.8753% | 2,018 |
| Noninterest income to average assets | 1.5145% | 470 |
| Noninterest expense to average assets | 3.9691% | 546 |
| Loan and lease loss provision to assets | 0.1593% | 1,251 |
| Net operating income to assets | 0.7996% | 3,404 |
| Return on assets (ROA) | 0.7996% | 3,463 |
| Pretax return on assets | 1.0297% | 3,448 |
| Return on Equity (ROE) | 7.2666% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,029 |
| Net charge-offs to loans | 0.0791% | 1,833 |
| Credit loss provision to net charge-offs | 254.4828% | 1,063 |
| Earnings coverage of net charge-offs (x) | 18.9917% | 1,856 |
| Efficiency ratio | 76.9491% | 1,589 |
| Assets per employee ($millions) | 4.6981% | 2,794 |
| Cash dividends to net income (ytd only)* | 15.1188% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,258 |
| Loan loss allowance to noncurrent loans | 84.0316% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 1,289 |
| Noncurrent loans to loans | 1.3783% | 1,405 |
| Net loans and leases to total assets | 79.9600% | 963 |
| Net loans and leases to deposits | 95.3330% | 1,136 |
| Net loans and leases to core deposits | 100.0230% | 1,646 |
| Total domestic deposits to total assets | 83.8745% | 3,248 |
| Equity capital to assets | 11.1838% | 2,617 |
| Core capital (leverage) ratio | 10.7810% | 2,623 |
| Tier 1 risk-based capital ratio | 12.3438% | 4,390 |
| Total risk-based capital ratio | 13.4258% | 4,392 |
| Memoranda: | ||
| Average total assets | $2,316,115,330 | 368 |
| Average earning assets | $2,177,601,330 | 356 |
| Average equity | $254,864,670 | 366 |
| Average total loans | $1,833,637,330 | 338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 3,054 |
| Cost of funding earning assets | 0.1973% | 5,002 |
| Net interest margin | 3.7992% | 2,116 |
| Noninterest income to average assets | 1.5949% | 436 |
| Noninterest expense to average assets | 3.9942% | 546 |
| Loan and lease loss provision to assets | 0.2115% | 769 |
| Net operating income to assets | 0.7599% | 3,429 |
| Return on assets (ROA) | 0.7599% | 3,482 |
| Pretax return on assets | 0.9692% | 3,498 |
| Return on Equity (ROE) | 7.1394% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.9094% | 2,389 |
| Net charge-offs to loans | 0.1399% | 1,099 |
| Credit loss provision to net charge-offs | 192.6746% | 1,032 |
| Earnings coverage of net charge-offs (x) | 10.7547% | 1,919 |
| Efficiency ratio | 77.1830% | 1,735 |
| Assets per employee ($millions) | 4.6071% | 2,995 |
| Cash dividends to net income (ytd only)* | 17.2286% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,336 |
| Loan loss allowance to noncurrent loans | 78.6138% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 1,191 |
| Noncurrent loans to loans | 1.4824% | 1,358 |
| Net loans and leases to total assets | 78.2618% | 1,096 |
| Net loans and leases to deposits | 94.3470% | 1,078 |
| Net loans and leases to core deposits | 99.5453% | 1,537 |
| Total domestic deposits to total assets | 82.9510% | 3,858 |
| Equity capital to assets | 10.7064% | 2,952 |
| Core capital (leverage) ratio | 10.5893% | 2,803 |
| Tier 1 risk-based capital ratio | 12.1600% | 4,613 |
| Total risk-based capital ratio | 13.2357% | 4,624 |
| Memoranda: | ||
| Average total assets | $2,138,600,000 | 393 |
| Average earning assets | $2,015,268,000 | 379 |
| Average equity | $227,639,000 | 404 |
| Average total loans | $1,678,351,500 | 357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,511 |
| Cost of funding earning assets | 0.1956% | 5,060 |
| Net interest margin | 3.7214% | 2,605 |
| Noninterest income to average assets | 1.7075% | 416 |
| Noninterest expense to average assets | 4.0388% | 569 |
| Loan and lease loss provision to assets | 0.2143% | 1,045 |
| Net operating income to assets | 0.7819% | 3,395 |
| Return on assets (ROA) | 0.7819% | 3,492 |
| Pretax return on assets | 0.9535% | 3,642 |
| Return on Equity (ROE) | 7.4012% | 3,268 |
| Retained earnings to average equity (ytd only) | 5.6518% | 1,920 |
| Net charge-offs to loans | 0.3572% | 767 |
| Credit loss provision to net charge-offs | 78.5915% | 2,991 |
| Earnings coverage of net charge-offs (x) | 4.2829% | 3,520 |
| Efficiency ratio | 77.4974% | 1,772 |
| Assets per employee ($millions) | 4.5618% | 3,027 |
| Cash dividends to net income (ytd only)* | 23.6370% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,383 |
| Loan loss allowance to noncurrent loans | 77.4733% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 1,256 |
| Noncurrent loans to loans | 1.4946% | 1,344 |
| Net loans and leases to total assets | 76.8704% | 1,384 |
| Net loans and leases to deposits | 92.6001% | 1,360 |
| Net loans and leases to core deposits | 97.9172% | 1,770 |
| Total domestic deposits to total assets | 83.0132% | 3,763 |
| Equity capital to assets | 10.5820% | 3,062 |
| Core capital (leverage) ratio | 10.4379% | 2,945 |
| Tier 1 risk-based capital ratio | 12.0838% | 4,669 |
| Total risk-based capital ratio | 13.1392% | 4,690 |
| Memoranda: | ||
| Average total assets | $2,083,195,600 | 385 |
| Average earning assets | $1,958,717,200 | 374 |
| Average equity | $220,073,400 | 401 |
| Average total loans | $1,590,114,200 | 359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,540 |
| Cost of funding earning assets | 0.1980% | 5,091 |
| Net interest margin | 3.7149% | 2,662 |
| Noninterest income to average assets | 1.7224% | 423 |
| Noninterest expense to average assets | 4.0409% | 555 |
| Loan and lease loss provision to assets | 0.0771% | 2,685 |
| Net operating income to assets | 0.8712% | 3,046 |
| Return on assets (ROA) | 0.8712% | 3,170 |
| Pretax return on assets | 1.0955% | 3,248 |
| Return on Equity (ROE) | 8.2500% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.5423% | 1,883 |
| Net charge-offs to loans | 0.1427% | 1,559 |
| Credit loss provision to net charge-offs | 71.1230% | 2,772 |
| Earnings coverage of net charge-offs (x) | 10.8188% | 2,544 |
| Efficiency ratio | 77.4088% | 1,775 |
| Assets per employee ($millions) | 4.5218% | 3,052 |
| Cash dividends to net income (ytd only)* | 20.6993% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,988 |
| Loan loss allowance to noncurrent loans | 76.5733% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 1,266 |
| Noncurrent loans to loans | 1.6261% | 1,318 |
| Net loans and leases to total assets | 75.4315% | 1,632 |
| Net loans and leases to deposits | 91.0411% | 1,624 |
| Net loans and leases to core deposits | 96.2968% | 1,961 |
| Total domestic deposits to total assets | 82.8543% | 3,645 |
| Equity capital to assets | 10.6898% | 3,363 |
| Core capital (leverage) ratio | 10.3458% | 3,165 |
| Tier 1 risk-based capital ratio | 12.6516% | 4,368 |
| Total risk-based capital ratio | 13.8111% | 4,344 |
| Memoranda: | ||
| Average total assets | $2,070,269,750 | 386 |
| Average earning assets | $1,945,499,000 | 378 |
| Average equity | $218,613,000 | 405 |
| Average total loans | $1,572,560,250 | 358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,617 |
| Cost of funding earning assets | 0.2008% | 5,132 |
| Net interest margin | 3.6964% | 2,708 |
| Noninterest income to average assets | 1.6618% | 451 |
| Noninterest expense to average assets | 3.9903% | 599 |
| Loan and lease loss provision to assets | 0.0482% | 3,186 |
| Net operating income to assets | 0.8684% | 3,012 |
| Return on assets (ROA) | 0.8684% | 3,126 |
| Pretax return on assets | 1.0923% | 3,229 |
| Return on Equity (ROE) | 8.2585% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.3205% | 1,950 |
| Net charge-offs to loans | 0.1018% | 1,813 |
| Credit loss provision to net charge-offs | 62.5157% | 2,546 |
| Earnings coverage of net charge-offs (x) | 14.7836% | 2,040 |
| Efficiency ratio | 77.6200% | 1,849 |
| Assets per employee ($millions) | 4.4956% | 3,037 |
| Cash dividends to net income (ytd only)* | 23.4663% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,911 |
| Loan loss allowance to noncurrent loans | 69.2914% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 1,077 |
| Noncurrent loans to loans | 1.8435% | 1,106 |
| Net loans and leases to total assets | 74.3103% | 1,777 |
| Net loans and leases to deposits | 89.5144% | 1,811 |
| Net loans and leases to core deposits | 94.8467% | 2,077 |
| Total domestic deposits to total assets | 83.0150% | 3,648 |
| Equity capital to assets | 10.5171% | 3,617 |
| Core capital (leverage) ratio | 10.3972% | 3,079 |
| Tier 1 risk-based capital ratio | 12.7597% | 4,339 |
| Total risk-based capital ratio | 13.9616% | 4,283 |
| Memoranda: | ||
| Average total assets | $2,060,985,000 | 389 |
| Average earning assets | $1,934,221,000 | 379 |
| Average equity | $216,722,000 | 409 |
| Average total loans | $1,562,546,670 | 363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,476 |
| Cost of funding earning assets | 0.2040% | 5,164 |
| Net interest margin | 3.7225% | 2,585 |
| Noninterest income to average assets | 1.6927% | 427 |
| Noninterest expense to average assets | 4.0039% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9266% | 2,613 |
| Return on assets (ROA) | 0.9266% | 2,723 |
| Pretax return on assets | 1.1818% | 2,775 |
| Return on Equity (ROE) | 8.8126% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,608 |
| Net charge-offs to loans | 0.0728% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.3392% | 1,435 |
| Efficiency ratio | 76.9840% | 2,045 |
| Assets per employee ($millions) | 4.4665% | 3,130 |
| Cash dividends to net income (ytd only)* | 36.9588% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,906 |
| Loan loss allowance to noncurrent loans | 64.2240% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 988 |
| Noncurrent loans to loans | 2.0224% | 1,052 |
| Net loans and leases to total assets | 74.5570% | 1,638 |
| Net loans and leases to deposits | 90.3042% | 1,545 |
| Net loans and leases to core deposits | 95.9127% | 1,809 |
| Total domestic deposits to total assets | 82.5620% | 4,047 |
| Equity capital to assets | 10.5297% | 3,455 |
| Core capital (leverage) ratio | 10.4800% | 2,989 |
| Tier 1 risk-based capital ratio | 12.5312% | 4,557 |
| Total risk-based capital ratio | 13.7343% | 4,497 |
| Memoranda: | ||
| Average total assets | $2,044,012,000 | 390 |
| Average earning assets | $1,917,975,500 | 381 |
| Average equity | $214,920,000 | 408 |
| Average total loans | $1,555,373,500 | 362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 3,702 |
| Cost of funding earning assets | 0.2298% | 5,011 |
| Net interest margin | 3.6719% | 2,859 |
| Noninterest income to average assets | 1.6413% | 481 |
| Noninterest expense to average assets | 4.0218% | 650 |
| Loan and lease loss provision to assets | 0.0475% | 3,378 |
| Net operating income to assets | 0.8578% | 3,076 |
| Return on assets (ROA) | 0.8578% | 3,145 |
| Pretax return on assets | 1.0115% | 3,418 |
| Return on Equity (ROE) | 8.1498% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.7944% | 1,898 |
| Net charge-offs to loans | 0.1523% | 1,846 |
| Credit loss provision to net charge-offs | 40.7649% | 3,524 |
| Earnings coverage of net charge-offs (x) | 9.0965% | 2,865 |
| Efficiency ratio | 78.9180% | 1,827 |
| Assets per employee ($millions) | 4.5798% | 2,914 |
| Cash dividends to net income (ytd only)* | 28.9017% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,830 |
| Loan loss allowance to noncurrent loans | 61.8674% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 987 |
| Noncurrent loans to loans | 2.1197% | 961 |
| Net loans and leases to total assets | 75.6507% | 1,472 |
| Net loans and leases to deposits | 90.9411% | 1,513 |
| Net loans and leases to core deposits | 97.0759% | 1,749 |
| Total domestic deposits to total assets | 83.1865% | 3,778 |
| Equity capital to assets | 10.4994% | 3,363 |
| Core capital (leverage) ratio | 10.4108% | 3,048 |
| Tier 1 risk-based capital ratio | 12.2314% | 4,808 |
| Total risk-based capital ratio | 13.4397% | 4,734 |
| Memoranda: | ||
| Average total assets | $1,976,497,400 | 385 |
| Average earning assets | $1,851,412,200 | 375 |
| Average equity | $208,029,000 | 402 |
| Average total loans | $1,510,345,400 | 350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,682 |
| Cost of funding earning assets | 0.2367% | 5,022 |
| Net interest margin | 3.6842% | 2,831 |
| Noninterest income to average assets | 1.6289% | 479 |
| Noninterest expense to average assets | 3.9812% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9109% | 2,908 |
| Return on assets (ROA) | 0.9109% | 3,001 |
| Pretax return on assets | 1.0948% | 3,250 |
| Return on Equity (ROE) | 8.6490% | 2,758 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,023 |
| Net charge-offs to loans | 0.1329% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.7923% | 2,564 |
| Efficiency ratio | 78.1905% | 1,925 |
| Assets per employee ($millions) | 4.3126% | 3,303 |
| Cash dividends to net income (ytd only)* | 26.1077% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,895 |
| Loan loss allowance to noncurrent loans | 61.4814% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 1,028 |
| Noncurrent loans to loans | 2.1833% | 1,014 |
| Net loans and leases to total assets | 75.4123% | 1,476 |
| Net loans and leases to deposits | 91.2189% | 1,499 |
| Net loans and leases to core deposits | 97.5428% | 1,741 |
| Total domestic deposits to total assets | 82.6718% | 3,930 |
| Equity capital to assets | 10.6887% | 3,374 |
| Core capital (leverage) ratio | 10.2660% | 3,288 |
| Tier 1 risk-based capital ratio | 12.6339% | 4,664 |
| Total risk-based capital ratio | 13.8852% | 4,568 |
| Memoranda: | ||
| Average total assets | $1,962,265,750 | 389 |
| Average earning assets | $1,836,034,500 | 381 |
| Average equity | $206,662,000 | 409 |
| Average total loans | $1,498,246,500 | 353 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 3,602 |
| Cost of funding earning assets | 0.2419% | 5,035 |
| Net interest margin | 3.6822% | 2,788 |
| Noninterest income to average assets | 1.5789% | 515 |
| Noninterest expense to average assets | 3.9433% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9034% | 2,861 |
| Return on assets (ROA) | 0.9034% | 2,981 |
| Pretax return on assets | 1.0782% | 3,267 |
| Return on Equity (ROE) | 8.6215% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.5729% | 1,911 |
| Net charge-offs to loans | 0.0671% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.0539% | 1,691 |
| Efficiency ratio | 78.2835% | 2,028 |
| Assets per employee ($millions) | 4.2944% | 3,313 |
| Cash dividends to net income (ytd only)* | 23.7610% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 2,579 |
| Loan loss allowance to noncurrent loans | 63.7833% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.0745% | 1,043 |
| Noncurrent loans to loans | 2.2528% | 1,055 |
| Net loans and leases to total assets | 74.2932% | 1,615 |
| Net loans and leases to deposits | 88.4288% | 1,777 |
| Net loans and leases to core deposits | 94.8795% | 1,886 |
| Total domestic deposits to total assets | 84.0148% | 3,557 |
| Equity capital to assets | 10.5991% | 3,322 |
| Core capital (leverage) ratio | 10.1711% | 3,373 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,834 |
| Total risk-based capital ratio | 13.7153% | 4,743 |
| Memoranda: | ||
| Average total assets | $1,956,525,000 | 392 |
| Average earning assets | $1,829,212,000 | 382 |
| Average equity | $205,022,330 | 413 |
| Average total loans | $1,493,299,000 | 353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,428 |
| Cost of funding earning assets | 0.2459% | 5,065 |
| Net interest margin | 3.7015% | 2,613 |
| Noninterest income to average assets | 1.5241% | 528 |
| Noninterest expense to average assets | 3.9076% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9075% | 2,711 |
| Return on assets (ROA) | 0.9075% | 2,837 |
| Pretax return on assets | 1.0751% | 3,191 |
| Return on Equity (ROE) | 8.7103% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.6444% | 2,168 |
| Net charge-offs to loans | 0.0251% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 55.7979% | 776 |
| Efficiency ratio | 78.1759% | 2,161 |
| Assets per employee ($millions) | 4.3275% | 3,332 |
| Cash dividends to net income (ytd only)* | 23.7181% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 2,596 |
| Loan loss allowance to noncurrent loans | 65.7480% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.1421% | 1,076 |
| Noncurrent loans to loans | 2.2272% | 1,130 |
| Net loans and leases to total assets | 74.3554% | 1,447 |
| Net loans and leases to deposits | 88.2636% | 1,589 |
| Net loans and leases to core deposits | 95.4920% | 1,651 |
| Total domestic deposits to total assets | 84.2424% | 3,714 |
| Equity capital to assets | 10.4349% | 3,607 |
| Core capital (leverage) ratio | 10.1707% | 3,378 |
| Tier 1 risk-based capital ratio | 12.2266% | 5,091 |
| Total risk-based capital ratio | 13.4779% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,951,359,000 | 390 |
| Average earning assets | $1,823,389,000 | 382 |
| Average equity | $203,299,000 | 414 |
| Average total loans | $1,498,676,500 | 349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 3,046 |
| Cost of funding earning assets | 0.2672% | 5,131 |
| Net interest margin | 3.9026% | 2,233 |
| Noninterest income to average assets | 1.4733% | 565 |
| Noninterest expense to average assets | 3.9612% | 787 |
| Loan and lease loss provision to assets | 0.1628% | 1,613 |
| Net operating income to assets | 0.8536% | 3,102 |
| Return on assets (ROA) | 0.8548% | 3,191 |
| Pretax return on assets | 0.9765% | 3,588 |
| Return on Equity (ROE) | 8.2948% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.0029% | 1,932 |
| Net charge-offs to loans | 0.2369% | 1,783 |
| Credit loss provision to net charge-offs | 87.9170% | 2,685 |
| Earnings coverage of net charge-offs (x) | 6.1461% | 3,261 |
| Efficiency ratio | 77.3749% | 2,296 |
| Assets per employee ($millions) | 4.3174% | 3,334 |
| Cash dividends to net income (ytd only)* | 27.6310% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,745 |
| Loan loss allowance to noncurrent loans | 60.9697% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 1,021 |
| Noncurrent loans to loans | 2.3609% | 1,098 |
| Net loans and leases to total assets | 77.0163% | 1,127 |
| Net loans and leases to deposits | 92.1867% | 1,270 |
| Net loans and leases to core deposits | 99.6021% | 1,419 |
| Total domestic deposits to total assets | 83.5438% | 3,902 |
| Equity capital to assets | 10.5430% | 3,423 |
| Core capital (leverage) ratio | 9.8805% | 3,736 |
| Tier 1 risk-based capital ratio | 11.8638% | 5,454 |
| Total risk-based capital ratio | 13.1151% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,926,511,200 | 382 |
| Average earning assets | $1,789,870,800 | 373 |
| Average equity | $198,521,800 | 405 |
| Average total loans | $1,505,432,600 | 330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 3,048 |
| Cost of funding earning assets | 0.2699% | 5,202 |
| Net interest margin | 3.9144% | 2,181 |
| Noninterest income to average assets | 1.4475% | 601 |
| Noninterest expense to average assets | 3.9193% | 824 |
| Loan and lease loss provision to assets | 0.2018% | 1,175 |
| Net operating income to assets | 0.8372% | 3,246 |
| Return on assets (ROA) | 0.8388% | 3,327 |
| Pretax return on assets | 0.9608% | 3,754 |
| Return on Equity (ROE) | 8.1876% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.0563% | 2,375 |
| Net charge-offs to loans | 0.2281% | 1,679 |
| Credit loss provision to net charge-offs | 113.2244% | 2,002 |
| Earnings coverage of net charge-offs (x) | 6.5134% | 3,073 |
| Efficiency ratio | 76.8625% | 2,364 |
| Assets per employee ($millions) | 4.3332% | 3,246 |
| Cash dividends to net income (ytd only)* | 26.0309% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 2,844 |
| Loan loss allowance to noncurrent loans | 85.2112% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 1,593 |
| Noncurrent loans to loans | 1.7294% | 1,876 |
| Net loans and leases to total assets | 78.4491% | 911 |
| Net loans and leases to deposits | 94.6867% | 978 |
| Net loans and leases to core deposits | 102.8045% | 1,168 |
| Total domestic deposits to total assets | 82.8512% | 4,193 |
| Equity capital to assets | 10.4940% | 3,569 |
| Core capital (leverage) ratio | 9.7962% | 3,942 |
| Tier 1 risk-based capital ratio | 11.7065% | 5,670 |
| Total risk-based capital ratio | 12.9574% | 5,586 |
| Memoranda: | ||
| Average total assets | $1,923,509,250 | 378 |
| Average earning assets | $1,785,029,500 | 369 |
| Average equity | $197,057,500 | 406 |
| Average total loans | $1,503,095,750 | 327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,105 |
| Cost of funding earning assets | 0.2726% | 5,261 |
| Net interest margin | 3.8869% | 2,228 |
| Noninterest income to average assets | 1.5021% | 539 |
| Noninterest expense to average assets | 3.9141% | 842 |
| Loan and lease loss provision to assets | 0.2859% | 703 |
| Net operating income to assets | 0.8006% | 3,332 |
| Return on assets (ROA) | 0.8006% | 3,435 |
| Pretax return on assets | 0.9033% | 3,878 |
| Return on Equity (ROE) | 7.8785% | 3,169 |
| Retained earnings to average equity (ytd only) | 5.7295% | 2,492 |
| Net charge-offs to loans | 0.3064% | 1,323 |
| Credit loss provision to net charge-offs | 120.1486% | 1,718 |
| Earnings coverage of net charge-offs (x) | 4.9983% | 3,004 |
| Efficiency ratio | 76.4105% | 2,552 |
| Assets per employee ($millions) | 4.2377% | 3,398 |
| Cash dividends to net income (ytd only)* | 27.2763% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,849 |
| Loan loss allowance to noncurrent loans | 79.0196% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 1,469 |
| Noncurrent loans to loans | 1.9117% | 1,785 |
| Net loans and leases to total assets | 77.5961% | 960 |
| Net loans and leases to deposits | 92.6277% | 1,084 |
| Net loans and leases to core deposits | 100.5149% | 1,236 |
| Total domestic deposits to total assets | 83.7720% | 4,007 |
| Equity capital to assets | 10.4066% | 3,553 |
| Core capital (leverage) ratio | 9.7447% | 3,976 |
| Tier 1 risk-based capital ratio | 11.5414% | 5,775 |
| Total risk-based capital ratio | 12.7937% | 5,728 |
| Memoranda: | ||
| Average total assets | $1,923,359,670 | 376 |
| Average earning assets | $1,781,966,000 | 367 |
| Average equity | $195,443,330 | 405 |
| Average total loans | $1,493,493,670 | 325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,269 |
| Cost of funding earning assets | 0.2759% | 5,324 |
| Net interest margin | 3.8271% | 2,358 |
| Noninterest income to average assets | 1.5074% | 518 |
| Noninterest expense to average assets | 3.8949% | 867 |
| Loan and lease loss provision to assets | 0.3574% | 491 |
| Net operating income to assets | 0.7364% | 3,506 |
| Return on assets (ROA) | 0.7364% | 3,589 |
| Pretax return on assets | 0.8056% | 4,091 |
| Return on Equity (ROE) | 7.3342% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.1686% | 3,010 |
| Net charge-offs to loans | 0.5131% | 720 |
| Credit loss provision to net charge-offs | 90.3665% | 1,797 |
| Earnings coverage of net charge-offs (x) | 2.9403% | 2,764 |
| Efficiency ratio | 76.7196% | 2,687 |
| Assets per employee ($millions) | 4.3624% | 3,217 |
| Cash dividends to net income (ytd only)* | 29.5276% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 3,218 |
| Loan loss allowance to noncurrent loans | 75.7142% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.2475% | 1,469 |
| Noncurrent loans to loans | 1.9575% | 1,921 |
| Net loans and leases to total assets | 75.5045% | 1,059 |
| Net loans and leases to deposits | 90.0532% | 1,145 |
| Net loans and leases to core deposits | 97.6193% | 1,264 |
| Total domestic deposits to total assets | 83.8444% | 4,326 |
| Equity capital to assets | 10.0579% | 3,779 |
| Core capital (leverage) ratio | 9.5492% | 4,213 |
| Tier 1 risk-based capital ratio | 11.3763% | 5,975 |
| Total risk-based capital ratio | 12.6281% | 5,927 |
| Memoranda: | ||
| Average total assets | $1,931,560,000 | 377 |
| Average earning assets | $1,791,941,500 | 367 |
| Average equity | $193,940,000 | 407 |
| Average total loans | $1,489,030,000 | 325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 3,456 |
| Cost of funding earning assets | 0.4000% | 4,656 |
| Net interest margin | 3.7704% | 2,759 |
| Noninterest income to average assets | 1.6358% | 535 |
| Noninterest expense to average assets | 3.9549% | 914 |
| Loan and lease loss provision to assets | 0.4393% | 667 |
| Net operating income to assets | 0.6782% | 3,902 |
| Return on assets (ROA) | 0.6795% | 3,988 |
| Pretax return on assets | 0.7312% | 4,412 |
| Return on Equity (ROE) | 7.0162% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.5961% | 2,884 |
| Net charge-offs to loans | 0.7567% | 835 |
| Credit loss provision to net charge-offs | 77.0231% | 3,114 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 4,366 |
| Efficiency ratio | 76.7803% | 2,660 |
| Assets per employee ($millions) | 4.2899% | 3,291 |
| Cash dividends to net income (ytd only)* | 34.4932% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,235 |
| Loan loss allowance to noncurrent loans | 63.9359% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.4301% | 1,422 |
| Noncurrent loans to loans | 2.3336% | 1,648 |
| Net loans and leases to total assets | 76.3862% | 1,021 |
| Net loans and leases to deposits | 91.5339% | 1,108 |
| Net loans and leases to core deposits | 99.4182% | 1,201 |
| Total domestic deposits to total assets | 83.4513% | 4,381 |
| Equity capital to assets | 10.0231% | 3,739 |
| Core capital (leverage) ratio | 9.2645% | 4,611 |
| Tier 1 risk-based capital ratio | 11.1868% | 6,084 |
| Total risk-based capital ratio | 12.4386% | 6,030 |
| Memoranda: | ||
| Average total assets | $1,941,416,000 | 363 |
| Average earning assets | $1,796,191,400 | 355 |
| Average equity | $188,009,000 | 406 |
| Average total loans | $1,463,270,000 | 312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,602 |
| Cost of funding earning assets | 0.4326% | 4,480 |
| Net interest margin | 3.7080% | 3,001 |
| Noninterest income to average assets | 1.6844% | 534 |
| Noninterest expense to average assets | 3.9374% | 923 |
| Loan and lease loss provision to assets | 0.4238% | 691 |
| Net operating income to assets | 0.6836% | 3,934 |
| Return on assets (ROA) | 0.6852% | 4,070 |
| Pretax return on assets | 0.7511% | 4,485 |
| Return on Equity (ROE) | 7.1369% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.6395% | 3,368 |
| Net charge-offs to loans | 0.5084% | 1,265 |
| Credit loss provision to net charge-offs | 111.3972% | 2,118 |
| Earnings coverage of net charge-offs (x) | 3.0834% | 3,809 |
| Efficiency ratio | 76.5958% | 2,630 |
| Assets per employee ($millions) | 4.3461% | 3,148 |
| Cash dividends to net income (ytd only)* | 34.9930% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,465 |
| Loan loss allowance to noncurrent loans | 54.7779% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.1131% | 1,173 |
| Noncurrent loans to loans | 3.1889% | 1,233 |
| Net loans and leases to total assets | 72.7603% | 1,491 |
| Net loans and leases to deposits | 87.7667% | 1,393 |
| Net loans and leases to core deposits | 95.3926% | 1,441 |
| Total domestic deposits to total assets | 82.9019% | 4,619 |
| Equity capital to assets | 9.6426% | 4,365 |
| Core capital (leverage) ratio | 8.9827% | 5,149 |
| Tier 1 risk-based capital ratio | 11.3598% | 6,121 |
| Total risk-based capital ratio | 12.6147% | 6,090 |
| Memoranda: | ||
| Average total assets | $1,946,306,750 | 365 |
| Average earning assets | $1,798,388,000 | 355 |
| Average equity | $186,854,000 | 410 |
| Average total loans | $1,456,521,250 | 317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,529 |
| Cost of funding earning assets | 0.4692% | 4,218 |
| Net interest margin | 3.6834% | 3,022 |
| Noninterest income to average assets | 1.6953% | 573 |
| Noninterest expense to average assets | 3.9156% | 963 |
| Loan and lease loss provision to assets | 0.4181% | 725 |
| Net operating income to assets | 0.6946% | 3,830 |
| Return on assets (ROA) | 0.6946% | 4,004 |
| Pretax return on assets | 0.7670% | 4,435 |
| Return on Equity (ROE) | 7.2463% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.6119% | 3,329 |
| Net charge-offs to loans | 0.6528% | 1,005 |
| Credit loss provision to net charge-offs | 85.2817% | 2,536 |
| Earnings coverage of net charge-offs (x) | 2.4174% | 3,716 |
| Efficiency ratio | 76.2666% | 2,741 |
| Assets per employee ($millions) | 4.2654% | 3,231 |
| Cash dividends to net income (ytd only)* | 36.3555% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 2,937 |
| Loan loss allowance to noncurrent loans | 53.0667% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.2469% | 1,221 |
| Noncurrent loans to loans | 3.1283% | 1,415 |
| Net loans and leases to total assets | 73.8218% | 1,280 |
| Net loans and leases to deposits | 88.0421% | 1,336 |
| Net loans and leases to core deposits | 95.9939% | 1,359 |
| Total domestic deposits to total assets | 83.8483% | 4,383 |
| Equity capital to assets | 9.7134% | 4,289 |
| Core capital (leverage) ratio | 9.0409% | 4,921 |
| Tier 1 risk-based capital ratio | 11.2851% | 6,213 |
| Total risk-based capital ratio | 12.5392% | 6,175 |
| Memoranda: | ||
| Average total assets | $1,940,259,330 | 367 |
| Average earning assets | $1,793,758,670 | 355 |
| Average equity | $185,997,330 | 411 |
| Average total loans | $1,457,111,330 | 317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,543 |
| Cost of funding earning assets | 0.4923% | 4,156 |
| Net interest margin | 3.6506% | 3,073 |
| Noninterest income to average assets | 1.6409% | 576 |
| Noninterest expense to average assets | 3.8675% | 1,037 |
| Loan and lease loss provision to assets | 0.4145% | 732 |
| Net operating income to assets | 0.6678% | 3,860 |
| Return on assets (ROA) | 0.6678% | 4,013 |
| Pretax return on assets | 0.7303% | 4,441 |
| Return on Equity (ROE) | 7.0125% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.0125% | 2,142 |
| Net charge-offs to loans | 0.2073% | 2,176 |
| Credit loss provision to net charge-offs | 266.1823% | 878 |
| Earnings coverage of net charge-offs (x) | 7.3514% | 2,082 |
| Efficiency ratio | 76.6500% | 2,820 |
| Assets per employee ($millions) | 4.3438% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,596 |
| Loan loss allowance to noncurrent loans | 51.6956% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.4893% | 1,219 |
| Noncurrent loans to loans | 3.4951% | 1,373 |
| Net loans and leases to total assets | 72.8739% | 1,223 |
| Net loans and leases to deposits | 86.5607% | 1,283 |
| Net loans and leases to core deposits | 94.8567% | 1,278 |
| Total domestic deposits to total assets | 84.1882% | 4,398 |
| Equity capital to assets | 9.6158% | 4,683 |
| Core capital (leverage) ratio | 8.9934% | 4,901 |
| Tier 1 risk-based capital ratio | 11.2629% | 6,282 |
| Total risk-based capital ratio | 12.5185% | 6,259 |
| Memoranda: | ||
| Average total assets | $1,944,281,000 | 369 |
| Average earning assets | $1,795,662,000 | 358 |
| Average equity | $185,154,000 | 419 |
| Average total loans | $1,460,429,000 | 315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 3,782 |
| Cost of funding earning assets | 0.5844% | 4,494 |
| Net interest margin | 3.8233% | 3,133 |
| Noninterest income to average assets | 1.6276% | 600 |
| Noninterest expense to average assets | 3.8508% | 1,166 |
| Loan and lease loss provision to assets | 0.5667% | 998 |
| Net operating income to assets | 0.6991% | 3,746 |
| Return on assets (ROA) | 0.7004% | 3,989 |
| Pretax return on assets | 0.7237% | 4,581 |
| Return on Equity (ROE) | 7.5904% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.4059% | 1,867 |
| Net charge-offs to loans | 0.8247% | 1,414 |
| Credit loss provision to net charge-offs | 89.7092% | 3,485 |
| Earnings coverage of net charge-offs (x) | 2.0405% | 4,392 |
| Efficiency ratio | 74.4192% | 3,002 |
| Assets per employee ($millions) | 4.2977% | 3,364 |
| Cash dividends to net income (ytd only)* | 15.6053% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 3,029 |
| Loan loss allowance to noncurrent loans | 49.7580% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4677% | 1,312 |
| Noncurrent loans to loans | 3.3652% | 1,505 |
| Net loans and leases to total assets | 74.7382% | 1,089 |
| Net loans and leases to deposits | 88.2496% | 1,240 |
| Net loans and leases to core deposits | 97.5766% | 1,176 |
| Total domestic deposits to total assets | 84.6896% | 3,991 |
| Equity capital to assets | 9.4305% | 4,962 |
| Core capital (leverage) ratio | 8.7112% | 5,316 |
| Tier 1 risk-based capital ratio | 10.8252% | 6,416 |
| Total risk-based capital ratio | 12.0796% | 6,388 |
| Memoranda: | ||
| Average total assets | $1,921,255,200 | 370 |
| Average earning assets | $1,764,955,200 | 354 |
| Average equity | $177,288,800 | 427 |
| Average total loans | $1,471,641,000 | 311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 3,878 |
| Cost of funding earning assets | 0.5951% | 4,700 |
| Net interest margin | 3.8456% | 3,137 |
| Noninterest income to average assets | 1.6224% | 567 |
| Noninterest expense to average assets | 3.8262% | 1,164 |
| Loan and lease loss provision to assets | 0.5764% | 994 |
| Net operating income to assets | 0.7155% | 3,847 |
| Return on assets (ROA) | 0.7172% | 4,083 |
| Pretax return on assets | 0.7529% | 4,667 |
| Return on Equity (ROE) | 7.8157% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.2222% | 2,549 |
| Net charge-offs to loans | 0.7093% | 1,562 |
| Credit loss provision to net charge-offs | 105.8839% | 2,775 |
| Earnings coverage of net charge-offs (x) | 2.4386% | 4,064 |
| Efficiency ratio | 73.7408% | 3,033 |
| Assets per employee ($millions) | 4.3380% | 3,194 |
| Cash dividends to net income (ytd only)* | 20.3883% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 2,802 |
| Loan loss allowance to noncurrent loans | 49.3976% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 3.7153% | 1,331 |
| Noncurrent loans to loans | 3.6402% | 1,482 |
| Net loans and leases to total assets | 74.4338% | 1,182 |
| Net loans and leases to deposits | 87.7457% | 1,381 |
| Net loans and leases to core deposits | 97.1895% | 1,322 |
| Total domestic deposits to total assets | 84.8289% | 3,825 |
| Equity capital to assets | 9.2882% | 5,480 |
| Core capital (leverage) ratio | 8.5999% | 5,621 |
| Tier 1 risk-based capital ratio | 10.8435% | 6,545 |
| Total risk-based capital ratio | 12.0995% | 6,520 |
| Memoranda: | ||
| Average total assets | $1,914,853,000 | 372 |
| Average earning assets | $1,758,319,250 | 357 |
| Average equity | $175,711,250 | 428 |
| Average total loans | $1,469,593,750 | 314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 3,820 |
| Cost of funding earning assets | 0.6070% | 4,841 |
| Net interest margin | 3.8804% | 2,995 |
| Noninterest income to average assets | 1.5817% | 592 |
| Noninterest expense to average assets | 3.8798% | 1,102 |
| Loan and lease loss provision to assets | 0.5214% | 1,201 |
| Net operating income to assets | 0.6988% | 3,873 |
| Return on assets (ROA) | 0.6988% | 4,141 |
| Pretax return on assets | 0.7337% | 4,730 |
| Return on Equity (ROE) | 7.6468% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.2346% | 3,134 |
| Net charge-offs to loans | 0.3295% | 2,713 |
| Credit loss provision to net charge-offs | 205.3328% | 1,387 |
| Earnings coverage of net charge-offs (x) | 4.9430% | 2,952 |
| Efficiency ratio | 75.0521% | 2,888 |
| Assets per employee ($millions) | 4.2796% | 3,286 |
| Cash dividends to net income (ytd only)* | 31.5457% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 2,417 |
| Loan loss allowance to noncurrent loans | 51.4022% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.0074% | 1,268 |
| Noncurrent loans to loans | 3.7730% | 1,491 |
| Net loans and leases to total assets | 75.8682% | 982 |
| Net loans and leases to deposits | 88.9792% | 1,256 |
| Net loans and leases to core deposits | 99.0667% | 1,169 |
| Total domestic deposits to total assets | 85.2651% | 3,731 |
| Equity capital to assets | 9.2706% | 5,361 |
| Core capital (leverage) ratio | 8.7067% | 5,369 |
| Tier 1 risk-based capital ratio | 10.6603% | 6,634 |
| Total risk-based capital ratio | 11.9180% | 6,616 |
| Memoranda: | ||
| Average total assets | $1,905,322,670 | 372 |
| Average earning assets | $1,744,644,330 | 364 |
| Average equity | $174,111,330 | 431 |
| Average total loans | $1,468,436,000 | 312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 3,857 |
| Cost of funding earning assets | 0.6242% | 4,938 |
| Net interest margin | 3.8892% | 2,970 |
| Noninterest income to average assets | 1.5517% | 602 |
| Noninterest expense to average assets | 3.8275% | 1,171 |
| Loan and lease loss provision to assets | 0.5293% | 1,130 |
| Net operating income to assets | 0.6947% | 3,912 |
| Return on assets (ROA) | 0.6947% | 4,131 |
| Pretax return on assets | 0.7531% | 4,594 |
| Return on Equity (ROE) | 7.6580% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.2287% | 3,418 |
| Net charge-offs to loans | 0.1727% | 3,056 |
| Credit loss provision to net charge-offs | 398.4202% | 791 |
| Earnings coverage of net charge-offs (x) | 9.6524% | 1,823 |
| Efficiency ratio | 74.3983% | 3,035 |
| Assets per employee ($millions) | 4.3546% | 3,294 |
| Cash dividends to net income (ytd only)* | 31.7221% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,654 |
| Loan loss allowance to noncurrent loans | 51.0496% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 3.9614% | 1,402 |
| Noncurrent loans to loans | 3.7389% | 1,660 |
| Net loans and leases to total assets | 75.3927% | 872 |
| Net loans and leases to deposits | 87.9777% | 1,169 |
| Net loans and leases to core deposits | 98.7692% | 1,065 |
| Total domestic deposits to total assets | 85.6953% | 3,689 |
| Equity capital to assets | 9.1540% | 5,289 |
| Core capital (leverage) ratio | 8.6159% | 5,420 |
| Tier 1 risk-based capital ratio | 10.4974% | 6,738 |
| Total risk-based capital ratio | 11.7545% | 6,727 |
| Memoranda: | ||
| Average total assets | $1,905,765,500 | 372 |
| Average earning assets | $1,743,599,000 | 359 |
| Average equity | $172,891,000 | 429 |
| Average total loans | $1,465,934,500 | 310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 3,542 |
| Cost of funding earning assets | 0.7839% | 4,980 |
| Net interest margin | 4.0766% | 2,537 |
| Noninterest income to average assets | 1.5742% | 544 |
| Noninterest expense to average assets | 3.8877% | 1,198 |
| Loan and lease loss provision to assets | 0.7637% | 1,309 |
| Net operating income to assets | 0.6252% | 3,855 |
| Return on assets (ROA) | 0.6265% | 4,051 |
| Pretax return on assets | 0.6176% | 4,639 |
| Return on Equity (ROE) | 7.0746% | 3,370 |
| Retained earnings to average equity (ytd only) | 4.5728% | 2,924 |
| Net charge-offs to loans | 0.5826% | 2,698 |
| Credit loss provision to net charge-offs | 165.5460% | 1,640 |
| Earnings coverage of net charge-offs (x) | 2.9913% | 3,710 |
| Efficiency ratio | 73.3078% | 3,340 |
| Assets per employee ($millions) | 4.3574% | 3,145 |
| Cash dividends to net income (ytd only)* | 35.3625% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 2,962 |
| Loan loss allowance to noncurrent loans | 58.3679% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.4869% | 1,700 |
| Noncurrent loans to loans | 3.0351% | 2,139 |
| Net loans and leases to total assets | 75.6184% | 1,004 |
| Net loans and leases to deposits | 87.5319% | 1,447 |
| Net loans and leases to core deposits | 99.3489% | 1,229 |
| Total domestic deposits to total assets | 86.3896% | 3,084 |
| Equity capital to assets | 8.9902% | 5,559 |
| Core capital (leverage) ratio | 8.4514% | 5,636 |
| Tier 1 risk-based capital ratio | 10.3219% | 6,762 |
| Total risk-based capital ratio | 11.5774% | 6,733 |
| Memoranda: | ||
| Average total assets | $1,895,670,800 | 362 |
| Average earning assets | $1,717,490,500 | 351 |
| Average equity | $167,883,000 | 424 |
| Average total loans | $1,500,966,400 | 303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 3,443 |
| Cost of funding earning assets | 0.8183% | 5,024 |
| Net interest margin | 4.1085% | 2,439 |
| Noninterest income to average assets | 1.6185% | 506 |
| Noninterest expense to average assets | 3.8627% | 1,209 |
| Loan and lease loss provision to assets | 0.8231% | 1,129 |
| Net operating income to assets | 0.6109% | 4,035 |
| Return on assets (ROA) | 0.6126% | 4,217 |
| Pretax return on assets | 0.6464% | 4,657 |
| Return on Equity (ROE) | 6.9437% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,573 |
| Net charge-offs to loans | 0.6173% | 2,398 |
| Credit loss provision to net charge-offs | 167.2345% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.9820% | 3,648 |
| Efficiency ratio | 71.9752% | 3,558 |
| Assets per employee ($millions) | 4.2399% | 3,380 |
| Cash dividends to net income (ytd only)* | 36.2278% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 3,292 |
| Loan loss allowance to noncurrent loans | 56.5171% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.6323% | 1,730 |
| Noncurrent loans to loans | 2.9993% | 2,303 |
| Net loans and leases to total assets | 76.9932% | 835 |
| Net loans and leases to deposits | 88.7861% | 1,344 |
| Net loans and leases to core deposits | 100.9812% | 1,163 |
| Total domestic deposits to total assets | 86.7176% | 2,811 |
| Equity capital to assets | 9.0025% | 5,759 |
| Core capital (leverage) ratio | 8.4027% | 5,849 |
| Tier 1 risk-based capital ratio | 10.3085% | 6,855 |
| Total risk-based capital ratio | 11.5632% | 6,840 |
| Memoranda: | ||
| Average total assets | $1,892,448,750 | 365 |
| Average earning assets | $1,709,770,000 | 355 |
| Average equity | $166,958,000 | 433 |
| Average total loans | $1,508,895,500 | 301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 3,102 |
| Cost of funding earning assets | 0.8485% | 5,072 |
| Net interest margin | 4.1638% | 2,174 |
| Noninterest income to average assets | 1.4970% | 577 |
| Noninterest expense to average assets | 3.9149% | 1,166 |
| Loan and lease loss provision to assets | 0.6590% | 1,459 |
| Net operating income to assets | 0.6286% | 3,915 |
| Return on assets (ROA) | 0.6286% | 4,038 |
| Pretax return on assets | 0.6665% | 4,513 |
| Return on Equity (ROE) | 7.1731% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.6448% | 3,227 |
| Net charge-offs to loans | 0.6141% | 2,292 |
| Credit loss provision to net charge-offs | 133.8260% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.6917% | 3,493 |
| Efficiency ratio | 74.2078% | 3,321 |
| Assets per employee ($millions) | 4.2568% | 3,240 |
| Cash dividends to net income (ytd only)* | 35.2467% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,286 |
| Loan loss allowance to noncurrent loans | 63.5772% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.1060% | 2,163 |
| Noncurrent loans to loans | 2.3003% | 3,100 |
| Net loans and leases to total assets | 79.0492% | 646 |
| Net loans and leases to deposits | 91.5338% | 1,110 |
| Net loans and leases to core deposits | 104.1831% | 1,031 |
| Total domestic deposits to total assets | 86.3607% | 3,122 |
| Equity capital to assets | 9.0232% | 5,548 |
| Core capital (leverage) ratio | 8.5008% | 5,553 |
| Tier 1 risk-based capital ratio | 10.1598% | 6,933 |
| Total risk-based capital ratio | 11.4118% | 6,917 |
| Memoranda: | ||
| Average total assets | $1,895,764,670 | 370 |
| Average earning assets | $1,704,407,500 | 361 |
| Average equity | $166,119,670 | 432 |
| Average total loans | $1,520,397,000 | 307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 2,538 |
| Cost of funding earning assets | 0.8902% | 4,993 |
| Net interest margin | 4.2346% | 1,795 |
| Noninterest income to average assets | 1.4408% | 614 |
| Noninterest expense to average assets | 3.8868% | 1,194 |
| Loan and lease loss provision to assets | 0.7454% | 1,136 |
| Net operating income to assets | 0.5650% | 4,211 |
| Return on assets (ROA) | 0.5650% | 4,289 |
| Pretax return on assets | 0.5797% | 4,758 |
| Return on Equity (ROE) | 6.5430% | 3,609 |
| Retained earnings to average equity (ytd only) | 3.9985% | 3,776 |
| Net charge-offs to loans | 0.3547% | 2,646 |
| Credit loss provision to net charge-offs | 262.1045% | 1,199 |
| Earnings coverage of net charge-offs (x) | 4.6593% | 2,423 |
| Efficiency ratio | 74.0775% | 3,499 |
| Assets per employee ($millions) | 4.2596% | 3,319 |
| Cash dividends to net income (ytd only)* | 38.8889% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 4,276 |
| Loan loss allowance to noncurrent loans | 81.0600% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.5805% | 2,651 |
| Noncurrent loans to loans | 1.8341% | 3,786 |
| Net loans and leases to total assets | 79.7253% | 534 |
| Net loans and leases to deposits | 91.8343% | 1,035 |
| Net loans and leases to core deposits | 105.2267% | 981 |
| Total domestic deposits to total assets | 86.8143% | 3,045 |
| Equity capital to assets | 8.8723% | 5,390 |
| Core capital (leverage) ratio | 8.2967% | 5,818 |
| Tier 1 risk-based capital ratio | 9.8905% | 7,043 |
| Total risk-based capital ratio | 11.1428% | 7,047 |
| Memoranda: | ||
| Average total assets | $1,911,407,000 | 368 |
| Average earning assets | $1,702,179,000 | 361 |
| Average equity | $165,062,000 | 431 |
| Average total loans | $1,532,729,500 | 303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 3,880 |
| Cost of funding earning assets | 1.1017% | 5,128 |
| Net interest margin | 4.0438% | 2,828 |
| Noninterest income to average assets | 1.3729% | 774 |
| Noninterest expense to average assets | 3.8768% | 1,350 |
| Loan and lease loss provision to assets | 0.8034% | 2,026 |
| Net operating income to assets | 0.5029% | 4,085 |
| Return on assets (ROA) | 0.5044% | 4,239 |
| Pretax return on assets | 0.3855% | 4,993 |
| Return on Equity (ROE) | 6.0168% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.6634% | 2,008 |
| Net charge-offs to loans | 0.8799% | 2,433 |
| Credit loss provision to net charge-offs | 111.2540% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.6443% | 4,502 |
| Efficiency ratio | 75.9815% | 3,055 |
| Assets per employee ($millions) | 4.4135% | 3,000 |
| Cash dividends to net income (ytd only)* | 5.8728% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,455 |
| Loan loss allowance to noncurrent loans | 81.0714% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1433% | 3,163 |
| Noncurrent loans to loans | 1.4944% | 4,234 |
| Net loans and leases to total assets | 78.6942% | 848 |
| Net loans and leases to deposits | 91.1330% | 1,380 |
| Net loans and leases to core deposits | 105.0201% | 1,254 |
| Total domestic deposits to total assets | 86.3510% | 3,169 |
| Equity capital to assets | 8.3296% | 6,109 |
| Core capital (leverage) ratio | 7.4729% | 6,724 |
| Tier 1 risk-based capital ratio | 9.2985% | 7,185 |
| Total risk-based capital ratio | 10.4559% | 7,206 |
| Memoranda: | ||
| Average total assets | $1,711,512,200 | 396 |
| Average earning assets | $1,562,309,600 | 396 |
| Average equity | $143,482,600 | 482 |
| Average total loans | $1,404,712,000 | 335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 3,946 |
| Cost of funding earning assets | 1.1234% | 5,295 |
| Net interest margin | 4.0550% | 2,834 |
| Noninterest income to average assets | 1.3583% | 732 |
| Noninterest expense to average assets | 3.9095% | 1,187 |
| Loan and lease loss provision to assets | 0.8868% | 1,713 |
| Net operating income to assets | 0.3710% | 4,879 |
| Return on assets (ROA) | 0.3730% | 5,054 |
| Pretax return on assets | 0.2574% | 5,595 |
| Return on Equity (ROE) | 4.4424% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.4424% | 3,373 |
| Net charge-offs to loans | 0.8879% | 2,223 |
| Credit loss provision to net charge-offs | 120.7630% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.5554% | 4,558 |
| Efficiency ratio | 76.8147% | 2,793 |
| Assets per employee ($millions) | 4.4236% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,316 |
| Loan loss allowance to noncurrent loans | 74.1412% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 2,881 |
| Noncurrent loans to loans | 1.6655% | 4,148 |
| Net loans and leases to total assets | 79.3153% | 850 |
| Net loans and leases to deposits | 94.1913% | 1,180 |
| Net loans and leases to core deposits | 110.2733% | 1,021 |
| Total domestic deposits to total assets | 84.2066% | 4,004 |
| Equity capital to assets | 8.1905% | 6,621 |
| Core capital (leverage) ratio | 7.6849% | 6,689 |
| Tier 1 risk-based capital ratio | 9.1237% | 7,341 |
| Total risk-based capital ratio | 10.3144% | 7,365 |
| Memoranda: | ||
| Average total assets | $1,699,139,000 | 396 |
| Average earning assets | $1,547,599,500 | 396 |
| Average equity | $142,682,000 | 476 |
| Average total loans | $1,405,189,000 | 336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 3,814 |
| Cost of funding earning assets | 1.1397% | 5,459 |
| Net interest margin | 4.0875% | 2,620 |
| Noninterest income to average assets | 1.3996% | 649 |
| Noninterest expense to average assets | 4.0064% | 1,042 |
| Loan and lease loss provision to assets | 0.6693% | 2,157 |
| Net operating income to assets | 0.4760% | 4,435 |
| Return on assets (ROA) | 0.4760% | 4,588 |
| Pretax return on assets | 0.4445% | 5,080 |
| Return on Equity (ROE) | 5.6195% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.6195% | 2,546 |
| Net charge-offs to loans | 0.7009% | 2,466 |
| Credit loss provision to net charge-offs | 114.3090% | 3,563 |
| Earnings coverage of net charge-offs (x) | 1.9022% | 4,097 |
| Efficiency ratio | 77.6713% | 2,778 |
| Assets per employee ($millions) | 4.2366% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,701 |
| Loan loss allowance to noncurrent loans | 109.2749% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 3,400 |
| Noncurrent loans to loans | 1.0505% | 5,212 |
| Net loans and leases to total assets | 81.8377% | 551 |
| Net loans and leases to deposits | 98.2050% | 853 |
| Net loans and leases to core deposits | 115.2525% | 870 |
| Total domestic deposits to total assets | 83.3336% | 4,426 |
| Equity capital to assets | 8.3988% | 6,304 |
| Core capital (leverage) ratio | 7.9425% | 6,338 |
| Tier 1 risk-based capital ratio | 9.0860% | 7,395 |
| Total risk-based capital ratio | 10.1952% | 7,436 |
| Memoranda: | ||
| Average total assets | $1,675,706,330 | 405 |
| Average earning assets | $1,525,290,670 | 406 |
| Average equity | $141,934,000 | 475 |
| Average total loans | $1,399,925,000 | 341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 3,867 |
| Cost of funding earning assets | 1.1717% | 5,548 |
| Net interest margin | 4.0607% | 2,609 |
| Noninterest income to average assets | 1.2524% | 784 |
| Noninterest expense to average assets | 3.9499% | 1,101 |
| Loan and lease loss provision to assets | 0.7072% | 1,799 |
| Net operating income to assets | 0.3503% | 5,076 |
| Return on assets (ROA) | 0.3503% | 5,197 |
| Pretax return on assets | 0.2904% | 5,634 |
| Return on Equity (ROE) | 4.1180% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.1180% | 3,681 |
| Net charge-offs to loans | 0.3443% | 3,031 |
| Credit loss provision to net charge-offs | 244.7324% | 1,572 |
| Earnings coverage of net charge-offs (x) | 3.4523% | 2,906 |
| Efficiency ratio | 79.2363% | 2,679 |
| Assets per employee ($millions) | 4.1254% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,228 |
| Loan loss allowance to noncurrent loans | 93.9515% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 2.2734% | 3,186 |
| Noncurrent loans to loans | 1.3286% | 4,761 |
| Net loans and leases to total assets | 82.0833% | 585 |
| Net loans and leases to deposits | 97.8088% | 922 |
| Net loans and leases to core deposits | 114.1403% | 1,035 |
| Total domestic deposits to total assets | 83.9222% | 4,176 |
| Equity capital to assets | 8.4736% | 6,039 |
| Core capital (leverage) ratio | 8.0718% | 6,129 |
| Tier 1 risk-based capital ratio | 9.0666% | 7,465 |
| Total risk-based capital ratio | 10.2616% | 7,484 |
| Memoranda: | ||
| Average total assets | $1,655,638,000 | 424 |
| Average earning assets | $1,506,546,500 | 420 |
| Average equity | $140,845,500 | 485 |
| Average total loans | $1,389,631,000 | 354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 4,654 |
| Cost of funding earning assets | 1.4905% | 5,548 |
| Net interest margin | 3.9195% | 3,190 |
| Noninterest income to average assets | 1.3618% | 794 |
| Noninterest expense to average assets | 4.2500% | 1,039 |
| Loan and lease loss provision to assets | 0.4418% | 4,179 |
| Net operating income to assets | 0.2999% | 4,541 |
| Return on assets (ROA) | 0.2999% | 4,615 |
| Pretax return on assets | 0.1869% | 5,035 |
| Return on Equity (ROE) | 3.5939% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.1224% | 2,975 |
| Net charge-offs to loans | 0.5662% | 3,522 |
| Credit loss provision to net charge-offs | 94.0951% | 5,846 |
| Earnings coverage of net charge-offs (x) | 1.3390% | 4,793 |
| Efficiency ratio | 86.4621% | 2,062 |
| Assets per employee ($millions) | 3.8967% | 4,029 |
| Cash dividends to net income (ytd only)* | 13.1179% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,795 |
| Loan loss allowance to noncurrent loans | 101.2326% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 3,393 |
| Noncurrent loans to loans | 1.1085% | 5,109 |
| Net loans and leases to total assets | 83.8095% | 456 |
| Net loans and leases to deposits | 101.7747% | 765 |
| Net loans and leases to core deposits | 131.3791% | 1,206 |
| Total domestic deposits to total assets | 82.3481% | 4,795 |
| Equity capital to assets | 8.5410% | 5,824 |
| Core capital (leverage) ratio | 8.0129% | 6,168 |
| Tier 1 risk-based capital ratio | 8.9472% | 7,488 |
| Total risk-based capital ratio | 10.0216% | 7,577 |
| Memoranda: | ||
| Average total assets | $1,558,110,600 | 441 |
| Average earning assets | $1,398,069,400 | 448 |
| Average equity | $130,027,600 | 515 |
| Average total loans | $1,292,220,000 | 379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 4,907 |
| Cost of funding earning assets | 1.5542% | 5,613 |
| Net interest margin | 3.8535% | 3,416 |
| Noninterest income to average assets | 1.5582% | 608 |
| Noninterest expense to average assets | 4.3088% | 904 |
| Loan and lease loss provision to assets | 0.4483% | 3,670 |
| Net operating income to assets | 0.3070% | 4,769 |
| Return on assets (ROA) | 0.3070% | 4,877 |
| Pretax return on assets | 0.2503% | 5,188 |
| Return on Equity (ROE) | 3.7017% | 4,496 |
| Retained earnings to average equity (ytd only) | 3.0617% | 3,610 |
| Net charge-offs to loans | 0.6754% | 2,667 |
| Credit loss provision to net charge-offs | 80.5171% | 5,750 |
| Earnings coverage of net charge-offs (x) | 1.2546% | 4,835 |
| Efficiency ratio | 85.4060% | 2,140 |
| Assets per employee ($millions) | 3.7006% | 4,424 |
| Cash dividends to net income (ytd only)* | 17.2882% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,579 |
| Loan loss allowance to noncurrent loans | 106.0541% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 2.1804% | 3,122 |
| Noncurrent loans to loans | 1.0588% | 5,200 |
| Net loans and leases to total assets | 83.5622% | 599 |
| Net loans and leases to deposits | 100.6106% | 1,057 |
| Net loans and leases to core deposits | 133.5382% | 1,232 |
| Total domestic deposits to total assets | 83.0550% | 4,194 |
| Equity capital to assets | 8.3786% | 6,410 |
| Core capital (leverage) ratio | 8.0650% | 6,246 |
| Tier 1 risk-based capital ratio | 9.1292% | 7,572 |
| Total risk-based capital ratio | 10.1962% | 7,662 |
| Memoranda: | ||
| Average total assets | $1,537,514,500 | 459 |
| Average earning assets | $1,376,152,750 | 466 |
| Average equity | $127,505,750 | 532 |
| Average total loans | $1,267,651,250 | 403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 5,222 |
| Cost of funding earning assets | 1.5905% | 5,776 |
| Net interest margin | 3.7960% | 3,565 |
| Noninterest income to average assets | 1.6443% | 546 |
| Noninterest expense to average assets | 4.2882% | 959 |
| Loan and lease loss provision to assets | 0.4539% | 3,264 |
| Net operating income to assets | 0.3244% | 4,786 |
| Return on assets (ROA) | 0.3244% | 4,908 |
| Pretax return on assets | 0.2779% | 5,255 |
| Return on Equity (ROE) | 3.9258% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.9582% | 3,679 |
| Net charge-offs to loans | 0.4335% | 3,075 |
| Credit loss provision to net charge-offs | 128.0973% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.0653% | 4,046 |
| Efficiency ratio | 84.7792% | 2,385 |
| Assets per employee ($millions) | 3.7115% | 4,294 |
| Cash dividends to net income (ytd only)* | 24.6476% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,222 |
| Loan loss allowance to noncurrent loans | 98.2972% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 2,892 |
| Noncurrent loans to loans | 1.3310% | 4,550 |
| Net loans and leases to total assets | 80.7138% | 1,186 |
| Net loans and leases to deposits | 98.3763% | 1,471 |
| Net loans and leases to core deposits | 130.1073% | 1,546 |
| Total domestic deposits to total assets | 82.0461% | 4,679 |
| Equity capital to assets | 8.2503% | 6,415 |
| Core capital (leverage) ratio | 8.1247% | 6,116 |
| Tier 1 risk-based capital ratio | 9.2149% | 7,591 |
| Total risk-based capital ratio | 10.4502% | 7,591 |
| Memoranda: | ||
| Average total assets | $1,530,704,670 | 474 |
| Average earning assets | $1,361,217,330 | 482 |
| Average equity | $126,496,330 | 548 |
| Average total loans | $1,251,322,670 | 422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 5,667 |
| Cost of funding earning assets | 1.5773% | 6,130 |
| Net interest margin | 3.7707% | 3,584 |
| Noninterest income to average assets | 1.5494% | 576 |
| Noninterest expense to average assets | 4.1173% | 1,044 |
| Loan and lease loss provision to assets | 0.4754% | 2,572 |
| Net operating income to assets | 0.3534% | 5,053 |
| Return on assets (ROA) | 0.3534% | 5,236 |
| Pretax return on assets | 0.3523% | 5,527 |
| Return on Equity (ROE) | 4.2726% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.3139% | 4,591 |
| Net charge-offs to loans | 0.4094% | 2,465 |
| Credit loss provision to net charge-offs | 142.0886% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.4739% | 3,506 |
| Efficiency ratio | 82.5973% | 2,464 |
| Assets per employee ($millions) | 3.4488% | 4,947 |
| Cash dividends to net income (ytd only)* | 45.8427% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 3,898 |
| Loan loss allowance to noncurrent loans | 102.1203% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 2.2102% | 2,585 |
| Noncurrent loans to loans | 1.3057% | 4,365 |
| Net loans and leases to total assets | 81.5340% | 1,097 |
| Net loans and leases to deposits | 101.7271% | 1,208 |
| Net loans and leases to core deposits | 133.7068% | 1,429 |
| Total domestic deposits to total assets | 80.1498% | 5,311 |
| Equity capital to assets | 8.5354% | 6,020 |
| Core capital (leverage) ratio | 8.4142% | 5,690 |
| Tier 1 risk-based capital ratio | 9.3442% | 7,553 |
| Total risk-based capital ratio | 10.5922% | 7,520 |
| Memoranda: | ||
| Average total assets | $1,511,084,500 | 482 |
| Average earning assets | $1,360,800,000 | 487 |
| Average equity | $124,982,000 | 547 |
| Average total loans | $1,235,003,500 | 432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0443% | 5,332 |
| Cost of funding earning assets | 2.0837% | 6,119 |
| Net interest margin | 3.9606% | 3,305 |
| Noninterest income to average assets | 1.7001% | 471 |
| Noninterest expense to average assets | 4.0880% | 1,298 |
| Loan and lease loss provision to assets | 0.4175% | 3,197 |
| Net operating income to assets | 0.7190% | 3,811 |
| Return on assets (ROA) | 0.7190% | 3,643 |
| Pretax return on assets | 0.7616% | 4,210 |
| Return on Equity (ROE) | 8.3194% | 2,934 |
| Retained earnings to average equity (ytd only) | 2.5516% | 3,612 |
| Net charge-offs to loans | 0.4245% | 2,696 |
| Credit loss provision to net charge-offs | 120.8905% | 4,440 |
| Earnings coverage of net charge-offs (x) | 3.4144% | 4,378 |
| Efficiency ratio | 77.0020% | 3,078 |
| Assets per employee ($millions) | 3.5069% | 4,636 |
| Cash dividends to net income (ytd only)* | 69.3299% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 3,732 |
| Loan loss allowance to noncurrent loans | 177.1347% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6625% | 2,921 |
| Noncurrent loans to loans | 0.7376% | 5,186 |
| Net loans and leases to total assets | 79.7762% | 1,711 |
| Net loans and leases to deposits | 101.0921% | 1,695 |
| Net loans and leases to core deposits | 134.7846% | 1,549 |
| Total domestic deposits to total assets | 78.9143% | 5,403 |
| Equity capital to assets | 8.0092% | 6,832 |
| Core capital (leverage) ratio | 8.1165% | 6,302 |
| Tier 1 risk-based capital ratio | 8.9082% | 7,840 |
| Total risk-based capital ratio | 10.1271% | 7,892 |
| Memoranda: | ||
| Average total assets | $1,456,931,600 | 476 |
| Average earning assets | $1,312,130,600 | 483 |
| Average equity | $125,921,800 | 542 |
| Average total loans | $1,185,130,200 | 437 |