Home > Dime Community Bank > Performance and Condition Ratios
Dime Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 2,367 |
| Cost of funding earning assets | 2.2537% | 590 |
| Net interest margin | 2.6042% | 3,957 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.5560% | 4,287 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7423% | 3,070 |
| Return on assets (ROA) | 0.7295% | 3,091 |
| Pretax return on assets | 1.0867% | 2,444 |
| Return on Equity (ROE) | 7.2200% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.8538% | 3,329 |
| Net charge-offs to loans | 0.1360% | 735 |
| Credit loss provision to net charge-offs | 19.6393% | 2,313 |
| Earnings coverage of net charge-offs (x) | 10.4422% | 2,239 |
| Efficiency ratio | 57.6849% | 3,326 |
| Assets per employee ($millions) | 16.0087% | 173 |
| Cash dividends to net income (ytd only)* | 60.4506% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 4,163 |
| Loan loss allowance to noncurrent loans | 246.5480% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,156 |
| Noncurrent loans to loans | 0.2698% | 2,219 |
| Net loans and leases to total assets | 78.6300% | 800 |
| Net loans and leases to deposits | 101.4131% | 462 |
| Net loans and leases to core deposits | 114.0640% | 814 |
| Total domestic deposits to total assets | 77.5300% | 3,782 |
| Equity capital to assets | 10.2436% | 1,873 |
| Core capital (leverage) ratio | 9.7872% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2928% | 2,139 |
| Memoranda: | ||
| Average total assets | $13,609,094,800 | 131 |
| Average earning assets | $12,538,148,800 | 129 |
| Average equity | $1,375,908,200 | 128 |
| Average total loans | $10,763,151,000 | 118 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 2,283 |
| Cost of funding earning assets | 2.1335% | 564 |
| Net interest margin | 2.6593% | 3,937 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.5495% | 4,279 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.8244% | 2,949 |
| Return on assets (ROA) | 0.8048% | 3,003 |
| Pretax return on assets | 1.1744% | 2,354 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | 3.1230% | 3,483 |
| Net charge-offs to loans | 0.1250% | 650 |
| Credit loss provision to net charge-offs | -8.5284% | 4,470 |
| Earnings coverage of net charge-offs (x) | 12.0408% | 2,081 |
| Efficiency ratio | 56.1798% | 3,389 |
| Assets per employee ($millions) | 16.1744% | 159 |
| Cash dividends to net income (ytd only)* | 60.8993% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 4,185 |
| Loan loss allowance to noncurrent loans | 311.1621% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,447 |
| Noncurrent loans to loans | 0.2148% | 2,489 |
| Net loans and leases to total assets | 79.0800% | 750 |
| Net loans and leases to deposits | 101.0320% | 472 |
| Net loans and leases to core deposits | 112.1774% | 789 |
| Total domestic deposits to total assets | 78.2700% | 3,786 |
| Equity capital to assets | 10.0598% | 1,799 |
| Core capital (leverage) ratio | 9.6335% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0699% | 2,246 |
| Memoranda: | ||
| Average total assets | $13,605,528,000 | 131 |
| Average earning assets | $12,529,638,500 | 128 |
| Average equity | $1,371,003,750 | 130 |
| Average total loans | $10,758,042,000 | 120 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 233,471.0000% | 4 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3,406,232.0000% | 1 |
| Cost of funding earning assets | -2,756.0000% | 4,666 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0001% | 4,593 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 65 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9857% | 2,454 |
| Pretax return on assets | 1.3828% | 1,857 |
| Return on Equity (ROE) | 9.7800% | 2,771 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0005% | 2,434 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 11.5193% | 4,599 |
| Assets per employee ($millions) | 0.0058% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 418.0000% | 7 |
| Loan loss allowance to noncurrent loans | 0.5203% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 447,359.0000% | 3 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,319,000 | 4,486 |
| Average earning assets | $4,626 | 4,629 |
| Average equity | $90 | 4,594 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,279 |
| Cost of funding earning assets | 1.6821% | 601 |
| Net interest margin | 2.8347% | 3,892 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.3992% | 4,472 |
| Loan and lease loss provision to assets | -0.1100% | 4,585 |
| Net operating income to assets | 1.1842% | 1,979 |
| Return on assets (ROA) | 1.1503% | 2,036 |
| Pretax return on assets | 1.5879% | 1,491 |
| Return on Equity (ROE) | 11.4000% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.4657% | 2,089 |
| Net charge-offs to loans | 0.0579% | 794 |
| Credit loss provision to net charge-offs | -235.6262% | 4,611 |
| Earnings coverage of net charge-offs (x) | 33.3498% | 1,266 |
| Efficiency ratio | 47.5045% | 4,118 |
| Assets per employee ($millions) | 16.5985% | 150 |
| Cash dividends to net income (ytd only)* | 25.7573% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,200 |
| Loan loss allowance to noncurrent loans | 248.3357% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 1,978 |
| Noncurrent loans to loans | 0.2939% | 2,089 |
| Net loans and leases to total assets | 77.0700% | 869 |
| Net loans and leases to deposits | 100.6343% | 420 |
| Net loans and leases to core deposits | 112.6744% | 625 |
| Total domestic deposits to total assets | 76.5800% | 4,116 |
| Equity capital to assets | 9.9436% | 1,848 |
| Core capital (leverage) ratio | 9.8288% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8687% | 2,441 |
| Memoranda: | ||
| Average total assets | $13,500,073,500 | 130 |
| Average earning assets | $12,452,608,000 | 127 |
| Average equity | $1,361,912,000 | 130 |
| Average total loans | $10,650,423,500 | 121 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 2,279 |
| Cost of funding earning assets | 0.4219% | 1,922 |
| Net interest margin | 3.3781% | 2,322 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5887% | 4,320 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2852% | 1,486 |
| Return on assets (ROA) | 1.2852% | 1,441 |
| Pretax return on assets | 1.7920% | 752 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.8955% | 3,094 |
| Net charge-offs to loans | 0.0742% | 904 |
| Credit loss provision to net charge-offs | 95.2315% | 1,600 |
| Earnings coverage of net charge-offs (x) | 31.6156% | 1,657 |
| Efficiency ratio | 45.9638% | 4,347 |
| Assets per employee ($millions) | 16.0118% | 166 |
| Cash dividends to net income (ytd only)* | 59.1281% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 4,057 |
| Loan loss allowance to noncurrent loans | 243.9086% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 1,861 |
| Noncurrent loans to loans | 0.3240% | 1,989 |
| Net loans and leases to total assets | 79.5500% | 648 |
| Net loans and leases to deposits | 102.0240% | 363 |
| Net loans and leases to core deposits | 110.4826% | 595 |
| Total domestic deposits to total assets | 77.9800% | 4,094 |
| Equity capital to assets | 10.2681% | 1,574 |
| Core capital (leverage) ratio | 9.9463% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7415% | 2,475 |
| Memoranda: | ||
| Average total assets | $12,501,450,400 | 140 |
| Average earning assets | $11,552,607,200 | 137 |
| Average equity | $1,341,398,800 | 137 |
| Average total loans | $9,772,510,800 | 125 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 2,310 |
| Cost of funding earning assets | 0.2131% | 3,113 |
| Net interest margin | 3.3999% | 1,981 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.6024% | 4,298 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2883% | 1,394 |
| Return on assets (ROA) | 1.2883% | 1,363 |
| Pretax return on assets | 1.7959% | 738 |
| Return on Equity (ROE) | 11.8700% | 2,078 |
| Retained earnings to average equity (ytd only) | 3.4034% | 3,665 |
| Net charge-offs to loans | 0.0985% | 625 |
| Credit loss provision to net charge-offs | 72.8713% | 1,446 |
| Earnings coverage of net charge-offs (x) | 24.2079% | 1,634 |
| Efficiency ratio | 45.9553% | 4,381 |
| Assets per employee ($millions) | 15.8872% | 168 |
| Cash dividends to net income (ytd only)* | 71.3291% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,070 |
| Loan loss allowance to noncurrent loans | 186.8018% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,584 |
| Noncurrent loans to loans | 0.4335% | 1,728 |
| Net loans and leases to total assets | 77.9800% | 707 |
| Net loans and leases to deposits | 95.4553% | 579 |
| Net loans and leases to core deposits | 99.3028% | 842 |
| Total domestic deposits to total assets | 81.7000% | 3,879 |
| Equity capital to assets | 10.2405% | 1,496 |
| Core capital (leverage) ratio | 10.0611% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8049% | 2,553 |
| Memoranda: | ||
| Average total assets | $12,332,383,000 | 143 |
| Average earning assets | $11,410,554,250 | 139 |
| Average equity | $1,338,473,000 | 139 |
| Average total loans | $9,573,930,750 | 125 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 2,281 |
| Cost of funding earning assets | 0.1189% | 3,977 |
| Net interest margin | 3.3360% | 1,802 |
| Noninterest income to average assets | 0.3144% | 3,280 |
| Noninterest expense to average assets | 1.6491% | 4,217 |
| Loan and lease loss provision to assets | -0.0255% | 4,450 |
| Net operating income to assets | 1.2801% | 1,194 |
| Return on assets (ROA) | 1.2801% | 1,180 |
| Pretax return on assets | 1.7850% | 624 |
| Return on Equity (ROE) | 11.5639% | 1,809 |
| Retained earnings to average equity (ytd only) | 3.3876% | 3,317 |
| Net charge-offs to loans | 0.0668% | 754 |
| Credit loss provision to net charge-offs | -41.0322% | 3,024 |
| Earnings coverage of net charge-offs (x) | 34.0631% | 1,340 |
| Efficiency ratio | 47.8901% | 4,348 |
| Assets per employee ($millions) | 15.1331% | 196 |
| Cash dividends to net income (ytd only)* | 70.7050% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 4,138 |
| Loan loss allowance to noncurrent loans | 216.6203% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 1,816 |
| Noncurrent loans to loans | 0.3795% | 2,001 |
| Net loans and leases to total assets | 77.6909% | 578 |
| Net loans and leases to deposits | 90.5605% | 684 |
| Net loans and leases to core deposits | 95.1751% | 859 |
| Total domestic deposits to total assets | 85.7890% | 3,300 |
| Equity capital to assets | 10.7687% | 1,328 |
| Core capital (leverage) ratio | 10.3096% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1829% | 2,420 |
| Memoranda: | ||
| Average total assets | $12,153,623,000 | 140 |
| Average earning assets | $11,272,796,000 | 140 |
| Average equity | $1,345,360,667 | 141 |
| Average total loans | $9,392,831,000 | 125 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3447% | 2,258 |
| Cost of funding earning assets | 0.0930% | 4,228 |
| Net interest margin | 3.2517% | 1,715 |
| Noninterest income to average assets | 0.2355% | 3,731 |
| Noninterest expense to average assets | 1.6428% | 4,227 |
| Loan and lease loss provision to assets | -0.0528% | 4,518 |
| Net operating income to assets | 1.2017% | 1,243 |
| Return on assets (ROA) | 1.2017% | 1,234 |
| Pretax return on assets | 1.6715% | 725 |
| Return on Equity (ROE) | 10.7069% | 1,723 |
| Retained earnings to average equity (ytd only) | 4.7984% | 2,666 |
| Net charge-offs to loans | 0.1116% | 484 |
| Credit loss provision to net charge-offs | -64.0093% | 2,838 |
| Earnings coverage of net charge-offs (x) | 18.8924% | 1,297 |
| Efficiency ratio | 49.7738% | 4,321 |
| Assets per employee ($millions) | 15.2021% | 196 |
| Cash dividends to net income (ytd only)* | 55.1846% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,131 |
| Loan loss allowance to noncurrent loans | 154.9081% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 1,428 |
| Noncurrent loans to loans | 0.5546% | 1,652 |
| Net loans and leases to total assets | 76.1139% | 501 |
| Net loans and leases to deposits | 87.9623% | 624 |
| Net loans and leases to core deposits | 91.3312% | 850 |
| Total domestic deposits to total assets | 86.5301% | 3,093 |
| Equity capital to assets | 11.1109% | 1,282 |
| Core capital (leverage) ratio | 10.2415% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5975% | 2,381 |
| Memoranda: | ||
| Average total assets | $12,063,684,000 | 142 |
| Average earning assets | $11,226,313,000 | 142 |
| Average equity | $1,353,964,500 | 143 |
| Average total loans | $9,258,528,000 | 127 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 2,265 |
| Cost of funding earning assets | 0.1753% | 3,709 |
| Net interest margin | 3.4703% | 1,832 |
| Noninterest income to average assets | 0.3570% | 3,300 |
| Noninterest expense to average assets | 2.1275% | 3,314 |
| Loan and lease loss provision to assets | 0.0549% | 1,952 |
| Net operating income to assets | 0.9873% | 2,726 |
| Return on assets (ROA) | 0.9957% | 2,757 |
| Pretax return on assets | 1.4221% | 1,972 |
| Return on Equity (ROE) | 9.5710% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.8707% | 1,595 |
| Net charge-offs to loans | 0.1071% | 822 |
| Credit loss provision to net charge-offs | 66.9685% | 2,032 |
| Earnings coverage of net charge-offs (x) | 17.8767% | 1,922 |
| Efficiency ratio | 58.5528% | 3,359 |
| Assets per employee ($millions) | 15.0336% | 202 |
| Cash dividends to net income (ytd only)* | 17.7650% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,050 |
| Loan loss allowance to noncurrent loans | 193.6246% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 1,789 |
| Noncurrent loans to loans | 0.4682% | 1,960 |
| Net loans and leases to total assets | 76.0252% | 520 |
| Net loans and leases to deposits | 87.4293% | 679 |
| Net loans and leases to core deposits | 90.8987% | 927 |
| Total domestic deposits to total assets | 86.9563% | 2,540 |
| Equity capital to assets | 11.3362% | 1,581 |
| Core capital (leverage) ratio | 9.9535% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4446% | 2,478 |
| Memoranda: | ||
| Average total assets | $11,308,348,600 | 150 |
| Average earning assets | $10,547,765,000 | 147 |
| Average equity | $1,176,450,600 | 155 |
| Average total loans | $8,661,140,200 | 137 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 2,282 |
| Cost of funding earning assets | 0.2001% | 3,607 |
| Net interest margin | 3.4977% | 1,867 |
| Noninterest income to average assets | 0.3632% | 3,282 |
| Noninterest expense to average assets | 2.2796% | 2,809 |
| Loan and lease loss provision to assets | 0.0761% | 1,531 |
| Net operating income to assets | 0.8908% | 3,273 |
| Return on assets (ROA) | 0.9022% | 3,320 |
| Pretax return on assets | 1.2853% | 2,661 |
| Return on Equity (ROE) | 8.8881% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.7067% | 2,146 |
| Net charge-offs to loans | 0.1469% | 559 |
| Credit loss provision to net charge-offs | 67.6116% | 1,773 |
| Earnings coverage of net charge-offs (x) | 11.9735% | 1,973 |
| Efficiency ratio | 62.2290% | 2,654 |
| Assets per employee ($millions) | 15.6926% | 183 |
| Cash dividends to net income (ytd only)* | 13.2925% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 4,220 |
| Loan loss allowance to noncurrent loans | 175.4892% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,948 |
| Noncurrent loans to loans | 0.4979% | 2,063 |
| Net loans and leases to total assets | 74.6418% | 640 |
| Net loans and leases to deposits | 85.9275% | 827 |
| Net loans and leases to core deposits | 90.1308% | 1,025 |
| Total domestic deposits to total assets | 86.8660% | 2,402 |
| Equity capital to assets | 10.8751% | 2,103 |
| Core capital (leverage) ratio | 9.6081% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6944% | 2,472 |
| Memoranda: | ||
| Average total assets | $11,121,206,000 | 150 |
| Average earning assets | $10,375,978,250 | 148 |
| Average equity | $1,128,864,000 | 161 |
| Average total loans | $8,513,886,750 | 139 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 2,212 |
| Cost of funding earning assets | 0.2391% | 3,382 |
| Net interest margin | 3.5071% | 1,840 |
| Noninterest income to average assets | 0.3858% | 3,187 |
| Noninterest expense to average assets | 2.4986% | 2,148 |
| Loan and lease loss provision to assets | 0.2153% | 501 |
| Net operating income to assets | 0.6362% | 3,905 |
| Return on assets (ROA) | 0.6540% | 3,927 |
| Pretax return on assets | 0.9658% | 3,511 |
| Return on Equity (ROE) | 6.6244% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.6244% | 2,574 |
| Net charge-offs to loans | 0.1258% | 620 |
| Credit loss provision to net charge-offs | 222.0917% | 1,009 |
| Earnings coverage of net charge-offs (x) | 11.9507% | 1,736 |
| Efficiency ratio | 67.7128% | 1,911 |
| Assets per employee ($millions) | 15.6841% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,933 |
| Loan loss allowance to noncurrent loans | 173.3929% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 1,927 |
| Noncurrent loans to loans | 0.5587% | 2,001 |
| Net loans and leases to total assets | 74.7389% | 698 |
| Net loans and leases to deposits | 85.1019% | 976 |
| Net loans and leases to core deposits | 90.9326% | 1,071 |
| Total domestic deposits to total assets | 87.8228% | 1,927 |
| Equity capital to assets | 10.3802% | 2,509 |
| Core capital (leverage) ratio | 9.2403% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6962% | 2,479 |
| Memoranda: | ||
| Average total assets | $10,711,574,000 | 151 |
| Average earning assets | $9,991,426,000 | 149 |
| Average equity | $1,057,457,000 | 166 |
| Average total loans | $8,251,985,333 | 139 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 2,005 |
| Cost of funding earning assets | 0.3097% | 2,888 |
| Net interest margin | 3.5223% | 1,768 |
| Noninterest income to average assets | -0.3607% | 4,970 |
| Noninterest expense to average assets | 3.2554% | 642 |
| Loan and lease loss provision to assets | 0.6491% | 85 |
| Net operating income to assets | -0.7762% | 4,914 |
| Return on assets (ROA) | -0.7377% | 4,911 |
| Pretax return on assets | -0.9359% | 4,925 |
| Return on Equity (ROE) | -7.7319% | 4,926 |
| Retained earnings to average equity (ytd only) | -7.7319% | 4,769 |
| Net charge-offs to loans | 0.2253% | 373 |
| Credit loss provision to net charge-offs | 369.0994% | 685 |
| Earnings coverage of net charge-offs (x) | -1.9083% | 1,907 |
| Efficiency ratio | 110.9915% | 104 |
| Assets per employee ($millions) | 15.1836% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 4,069 |
| Loan loss allowance to noncurrent loans | 180.8039% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 2,151 |
| Noncurrent loans to loans | 0.5158% | 2,306 |
| Net loans and leases to total assets | 80.1669% | 327 |
| Net loans and leases to deposits | 95.5488% | 422 |
| Net loans and leases to core deposits | 103.1821% | 596 |
| Total domestic deposits to total assets | 83.9015% | 3,470 |
| Equity capital to assets | 9.6722% | 3,039 |
| Core capital (leverage) ratio | 10.4704% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0020% | 2,661 |
| Memoranda: | ||
| Average total assets | $9,723,139,000 | 161 |
| Average earning assets | $9,055,675,000 | 160 |
| Average equity | $927,639,500 | 178 |
| Average total loans | $7,589,995,000 | 147 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 4,052 |
| Cost of funding earning assets | 0.3606% | 3,815 |
| Net interest margin | 3.1266% | 3,563 |
| Noninterest income to average assets | 0.2776% | 3,818 |
| Noninterest expense to average assets | 1.9535% | 4,225 |
| Loan and lease loss provision to assets | 0.1990% | 1,965 |
| Net operating income to assets | 0.7379% | 3,306 |
| Return on assets (ROA) | 0.7861% | 3,269 |
| Pretax return on assets | 1.0451% | 2,899 |
| Return on Equity (ROE) | 7.8157% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.2552% | 3,199 |
| Net charge-offs to loans | 0.0400% | 2,261 |
| Credit loss provision to net charge-offs | 672.1216% | 1,022 |
| Earnings coverage of net charge-offs (x) | 39.9503% | 1,393 |
| Efficiency ratio | 61.9182% | 3,151 |
| Assets per employee ($millions) | 12.8166% | 274 |
| Cash dividends to net income (ytd only)* | 58.3508% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,039 |
| Loan loss allowance to noncurrent loans | 199.4405% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 2,611 |
| Noncurrent loans to loans | 0.4766% | 2,542 |
| Net loans and leases to total assets | 71.5892% | 1,350 |
| Net loans and leases to deposits | 83.9049% | 1,472 |
| Net loans and leases to core deposits | 86.9626% | 1,796 |
| Total domestic deposits to total assets | 85.3217% | 2,645 |
| Equity capital to assets | 9.2743% | 3,818 |
| Core capital (leverage) ratio | 8.0761% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2037% | 2,550 |
| Memoranda: | ||
| Average total assets | $5,777,618,000 | 226 |
| Average earning assets | $5,283,166,600 | 225 |
| Average equity | $581,074,000 | 236 |
| Average total loans | $4,279,638,000 | 212 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 4,116 |
| Cost of funding earning assets | 0.4046% | 3,783 |
| Net interest margin | 3.1522% | 3,615 |
| Noninterest income to average assets | 0.2523% | 3,966 |
| Noninterest expense to average assets | 1.8523% | 4,406 |
| Loan and lease loss provision to assets | 0.2613% | 1,556 |
| Net operating income to assets | 0.7823% | 3,161 |
| Return on assets (ROA) | 0.8485% | 3,038 |
| Pretax return on assets | 1.1010% | 2,743 |
| Return on Equity (ROE) | 8.2523% | 2,709 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,357 |
| Net charge-offs to loans | 0.0617% | 1,717 |
| Credit loss provision to net charge-offs | 567.8885% | 1,195 |
| Earnings coverage of net charge-offs (x) | 27.7909% | 1,652 |
| Efficiency ratio | 58.7777% | 3,558 |
| Assets per employee ($millions) | 12.8236% | 271 |
| Cash dividends to net income (ytd only)* | 58.7857% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,953 |
| Loan loss allowance to noncurrent loans | 254.7703% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 3,086 |
| Noncurrent loans to loans | 0.3670% | 2,968 |
| Net loans and leases to total assets | 72.8563% | 1,527 |
| Net loans and leases to deposits | 85.7644% | 1,732 |
| Net loans and leases to core deposits | 89.0331% | 2,060 |
| Total domestic deposits to total assets | 84.9494% | 2,456 |
| Equity capital to assets | 9.3220% | 3,842 |
| Core capital (leverage) ratio | 8.0523% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2167% | 2,528 |
| Memoranda: | ||
| Average total assets | $5,613,542,750 | 229 |
| Average earning assets | $5,126,171,500 | 226 |
| Average equity | $577,166,750 | 234 |
| Average total loans | $4,187,000,500 | 212 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,114 |
| Cost of funding earning assets | 0.4526% | 3,784 |
| Net interest margin | 3.2353% | 3,564 |
| Noninterest income to average assets | 0.2757% | 3,822 |
| Noninterest expense to average assets | 1.8267% | 4,522 |
| Loan and lease loss provision to assets | 0.3533% | 1,193 |
| Net operating income to assets | 0.8103% | 3,009 |
| Return on assets (ROA) | 0.8098% | 3,124 |
| Pretax return on assets | 1.0465% | 2,883 |
| Return on Equity (ROE) | 7.5985% | 2,898 |
| Retained earnings to average equity (ytd only) | 2.3639% | 3,620 |
| Net charge-offs to loans | 0.0253% | 2,212 |
| Credit loss provision to net charge-offs | 1,862.7451% | 509 |
| Earnings coverage of net charge-offs (x) | 73.8255% | 850 |
| Efficiency ratio | 56.1932% | 3,919 |
| Assets per employee ($millions) | 12.7866% | 264 |
| Cash dividends to net income (ytd only)* | 68.8895% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 3,849 |
| Loan loss allowance to noncurrent loans | 244.7747% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 3,171 |
| Noncurrent loans to loans | 0.3829% | 3,038 |
| Net loans and leases to total assets | 74.5880% | 1,332 |
| Net loans and leases to deposits | 90.2606% | 1,333 |
| Net loans and leases to core deposits | 95.3003% | 1,635 |
| Total domestic deposits to total assets | 82.6363% | 3,196 |
| Equity capital to assets | 9.4351% | 3,716 |
| Core capital (leverage) ratio | 8.3538% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1455% | 2,549 |
| Memoranda: | ||
| Average total assets | $5,377,379,333 | 232 |
| Average earning assets | $4,905,365,667 | 230 |
| Average equity | $573,110,000 | 236 |
| Average total loans | $4,032,843,000 | 218 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,959 |
| Cost of funding earning assets | 0.6021% | 3,424 |
| Net interest margin | 3.3374% | 3,491 |
| Noninterest income to average assets | 0.4163% | 2,997 |
| Noninterest expense to average assets | 1.9856% | 4,425 |
| Loan and lease loss provision to assets | 0.4007% | 763 |
| Net operating income to assets | 0.8228% | 2,823 |
| Return on assets (ROA) | 0.8218% | 2,914 |
| Pretax return on assets | 1.0570% | 2,648 |
| Return on Equity (ROE) | 7.2019% | 2,868 |
| Retained earnings to average equity (ytd only) | -3.3333% | 4,389 |
| Net charge-offs to loans | 0.0210% | 1,947 |
| Credit loss provision to net charge-offs | 2,551.0204% | 287 |
| Earnings coverage of net charge-offs (x) | 92.8776% | 608 |
| Efficiency ratio | 57.2233% | 4,091 |
| Assets per employee ($millions) | 10.3486% | 345 |
| Cash dividends to net income (ytd only)* | 146.2844% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,497 |
| Loan loss allowance to noncurrent loans | 222.8758% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,048 |
| Noncurrent loans to loans | 0.4661% | 2,852 |
| Net loans and leases to total assets | 73.8181% | 1,640 |
| Net loans and leases to deposits | 91.9613% | 1,287 |
| Net loans and leases to core deposits | 98.9150% | 1,564 |
| Total domestic deposits to total assets | 80.2708% | 3,807 |
| Equity capital to assets | 11.1773% | 2,705 |
| Core capital (leverage) ratio | 9.6694% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7159% | 2,836 |
| Memoranda: | ||
| Average total assets | $4,990,893,000 | 243 |
| Average earning assets | $4,528,734,500 | 237 |
| Average equity | $569,518,500 | 240 |
| Average total loans | $3,733,850,500 | 227 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 3,770 |
| Cost of funding earning assets | 0.8082% | 2,644 |
| Net interest margin | 3.4081% | 3,723 |
| Noninterest income to average assets | 0.5272% | 2,593 |
| Noninterest expense to average assets | 2.0191% | 4,503 |
| Loan and lease loss provision to assets | 0.1200% | 1,772 |
| Net operating income to assets | 1.1619% | 2,212 |
| Return on assets (ROA) | 1.1653% | 2,290 |
| Pretax return on assets | 1.4823% | 1,859 |
| Return on Equity (ROE) | 10.0175% | 2,290 |
| Retained earnings to average equity (ytd only) | 5.5826% | 2,113 |
| Net charge-offs to loans | 0.1250% | 1,513 |
| Credit loss provision to net charge-offs | 131.5789% | 1,935 |
| Earnings coverage of net charge-offs (x) | 17.5192% | 2,101 |
| Efficiency ratio | 55.3618% | 4,283 |
| Assets per employee ($millions) | 9.9220% | 366 |
| Cash dividends to net income (ytd only)* | 44.2718% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,014 |
| Loan loss allowance to noncurrent loans | 188.9139% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 2,995 |
| Noncurrent loans to loans | 0.4700% | 2,775 |
| Net loans and leases to total assets | 74.3735% | 1,687 |
| Net loans and leases to deposits | 95.8576% | 958 |
| Net loans and leases to core deposits | 102.5663% | 1,351 |
| Total domestic deposits to total assets | 77.5875% | 4,417 |
| Equity capital to assets | 11.6516% | 2,382 |
| Core capital (leverage) ratio | 10.1198% | 3,392 |
| Tier 1 risk-based capital ratio | 12.1129% | 4,296 |
| Total risk-based capital ratio | 12.9577% | 4,407 |
| Memoranda: | ||
| Average total assets | $4,749,074,000 | 239 |
| Average earning assets | $4,305,622,400 | 236 |
| Average equity | $552,430,600 | 230 |
| Average total loans | $3,464,696,800 | 231 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 3,680 |
| Cost of funding earning assets | 0.8524% | 2,456 |
| Net interest margin | 3.4382% | 3,764 |
| Noninterest income to average assets | 0.4716% | 2,894 |
| Noninterest expense to average assets | 2.0007% | 4,551 |
| Loan and lease loss provision to assets | 0.1445% | 1,326 |
| Net operating income to assets | 1.1351% | 2,433 |
| Return on assets (ROA) | 1.1396% | 2,499 |
| Pretax return on assets | 1.4476% | 2,128 |
| Return on Equity (ROE) | 9.8014% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.9281% | 2,926 |
| Net charge-offs to loans | 0.1700% | 1,002 |
| Credit loss provision to net charge-offs | 117.3763% | 1,993 |
| Earnings coverage of net charge-offs (x) | 12.8865% | 2,327 |
| Efficiency ratio | 55.2971% | 4,243 |
| Assets per employee ($millions) | 9.6649% | 385 |
| Cash dividends to net income (ytd only)* | 49.7203% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 3,989 |
| Loan loss allowance to noncurrent loans | 187.1394% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 3,049 |
| Noncurrent loans to loans | 0.4883% | 2,833 |
| Net loans and leases to total assets | 73.6687% | 1,883 |
| Net loans and leases to deposits | 93.1216% | 1,305 |
| Net loans and leases to core deposits | 96.8329% | 1,927 |
| Total domestic deposits to total assets | 79.1102% | 4,167 |
| Equity capital to assets | 11.8664% | 2,363 |
| Core capital (leverage) ratio | 10.0424% | 3,600 |
| Tier 1 risk-based capital ratio | 12.4198% | 4,189 |
| Total risk-based capital ratio | 13.2914% | 4,288 |
| Memoranda: | ||
| Average total assets | $4,706,018,250 | 240 |
| Average earning assets | $4,264,135,000 | 239 |
| Average equity | $547,185,750 | 234 |
| Average total loans | $3,407,639,000 | 235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 3,734 |
| Cost of funding earning assets | 0.8811% | 2,238 |
| Net interest margin | 3.3873% | 3,931 |
| Noninterest income to average assets | 0.4450% | 2,985 |
| Noninterest expense to average assets | 1.9796% | 4,640 |
| Loan and lease loss provision to assets | 0.1746% | 1,031 |
| Net operating income to assets | 1.0756% | 2,623 |
| Return on assets (ROA) | 1.0823% | 2,661 |
| Pretax return on assets | 1.3703% | 2,304 |
| Return on Equity (ROE) | 9.3734% | 2,693 |
| Retained earnings to average equity (ytd only) | 4.2098% | 3,141 |
| Net charge-offs to loans | 0.2580% | 648 |
| Credit loss provision to net charge-offs | 94.3179% | 2,081 |
| Earnings coverage of net charge-offs (x) | 8.2988% | 2,428 |
| Efficiency ratio | 55.7911% | 4,273 |
| Assets per employee ($millions) | 9.6211% | 377 |
| Cash dividends to net income (ytd only)* | 55.0877% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,068 |
| Loan loss allowance to noncurrent loans | 533.9329% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 4,132 |
| Noncurrent loans to loans | 0.1696% | 3,942 |
| Net loans and leases to total assets | 72.3640% | 2,164 |
| Net loans and leases to deposits | 88.8325% | 1,883 |
| Net loans and leases to core deposits | 93.8656% | 2,251 |
| Total domestic deposits to total assets | 81.4612% | 3,675 |
| Equity capital to assets | 11.6937% | 2,451 |
| Core capital (leverage) ratio | 9.7427% | 3,892 |
| Tier 1 risk-based capital ratio | 12.3719% | 4,204 |
| Total risk-based capital ratio | 13.2317% | 4,314 |
| Memoranda: | ||
| Average total assets | $4,696,090,330 | 244 |
| Average earning assets | $4,257,696,330 | 240 |
| Average equity | $542,258,000 | 236 |
| Average total loans | $3,369,860,330 | 238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 3,885 |
| Cost of funding earning assets | 0.8538% | 2,252 |
| Net interest margin | 3.3425% | 4,054 |
| Noninterest income to average assets | 0.4422% | 2,896 |
| Noninterest expense to average assets | 1.9234% | 4,764 |
| Loan and lease loss provision to assets | 0.0512% | 2,631 |
| Net operating income to assets | 1.1814% | 2,126 |
| Return on assets (ROA) | 1.1814% | 2,175 |
| Pretax return on assets | 1.4938% | 1,790 |
| Return on Equity (ROE) | 10.2971% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.8340% | 2,532 |
| Net charge-offs to loans | 0.0281% | 1,896 |
| Credit loss provision to net charge-offs | 256.4103% | 907 |
| Earnings coverage of net charge-offs (x) | 77.3632% | 783 |
| Efficiency ratio | 54.9311% | 4,442 |
| Assets per employee ($millions) | 9.7588% | 369 |
| Cash dividends to net income (ytd only)* | 43.3432% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,016 |
| Loan loss allowance to noncurrent loans | 937.8578% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,432 |
| Noncurrent loans to loans | 0.0999% | 4,293 |
| Net loans and leases to total assets | 71.8650% | 2,188 |
| Net loans and leases to deposits | 90.1635% | 1,609 |
| Net loans and leases to core deposits | 96.0803% | 1,920 |
| Total domestic deposits to total assets | 79.7052% | 4,220 |
| Equity capital to assets | 11.6245% | 2,294 |
| Core capital (leverage) ratio | 9.8255% | 3,788 |
| Tier 1 risk-based capital ratio | 12.4149% | 4,226 |
| Total risk-based capital ratio | 13.3035% | 4,325 |
| Memoranda: | ||
| Average total assets | $4,686,958,000 | 244 |
| Average earning assets | $4,243,316,000 | 241 |
| Average equity | $537,745,500 | 239 |
| Average total loans | $3,333,457,500 | 240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,650 |
| Cost of funding earning assets | 0.6761% | 2,235 |
| Net interest margin | 3.4537% | 3,848 |
| Noninterest income to average assets | 0.4310% | 3,232 |
| Noninterest expense to average assets | 2.1777% | 4,392 |
| Loan and lease loss provision to assets | 0.0400% | 3,388 |
| Net operating income to assets | 1.0965% | 2,614 |
| Return on assets (ROA) | 0.9538% | 3,212 |
| Pretax return on assets | 1.1795% | 2,968 |
| Return on Equity (ROE) | 8.3643% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.4394% | 2,512 |
| Net charge-offs to loans | 0.0654% | 2,187 |
| Credit loss provision to net charge-offs | 86.1656% | 2,768 |
| Earnings coverage of net charge-offs (x) | 30.0455% | 1,599 |
| Efficiency ratio | 60.3726% | 3,792 |
| Assets per employee ($millions) | 9.9354% | 348 |
| Cash dividends to net income (ytd only)* | 34.9683% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,921 |
| Loan loss allowance to noncurrent loans | 1,008.2798% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,474 |
| Noncurrent loans to loans | 0.0951% | 4,316 |
| Net loans and leases to total assets | 69.0380% | 2,724 |
| Net loans and leases to deposits | 83.4478% | 2,572 |
| Net loans and leases to core deposits | 91.0934% | 2,487 |
| Total domestic deposits to total assets | 82.7319% | 3,411 |
| Equity capital to assets | 11.3228% | 2,390 |
| Core capital (leverage) ratio | 9.8768% | 3,715 |
| Tier 1 risk-based capital ratio | 12.6761% | 4,030 |
| Total risk-based capital ratio | 13.5914% | 4,098 |
| Memoranda: | ||
| Average total assets | $4,497,340,400 | 243 |
| Average earning assets | $4,091,792,200 | 242 |
| Average equity | $512,846,400 | 237 |
| Average total loans | $3,193,304,000 | 243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 3,550 |
| Cost of funding earning assets | 0.6385% | 2,219 |
| Net interest margin | 3.4881% | 3,737 |
| Noninterest income to average assets | 0.4284% | 3,293 |
| Noninterest expense to average assets | 2.2762% | 4,159 |
| Loan and lease loss provision to assets | 0.0420% | 3,149 |
| Net operating income to assets | 1.0320% | 2,952 |
| Return on assets (ROA) | 0.8420% | 3,772 |
| Pretax return on assets | 1.0535% | 3,565 |
| Return on Equity (ROE) | 7.3700% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.4333% | 4,049 |
| Net charge-offs to loans | 0.0520% | 2,085 |
| Credit loss provision to net charge-offs | 113.0856% | 2,074 |
| Earnings coverage of net charge-offs (x) | 35.9110% | 1,439 |
| Efficiency ratio | 62.4831% | 3,432 |
| Assets per employee ($millions) | 9.3027% | 399 |
| Cash dividends to net income (ytd only)* | 53.4150% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 3,793 |
| Loan loss allowance to noncurrent loans | 1,420.8203% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,693 |
| Noncurrent loans to loans | 0.0701% | 4,564 |
| Net loans and leases to total assets | 71.2257% | 2,457 |
| Net loans and leases to deposits | 87.3775% | 2,225 |
| Net loans and leases to core deposits | 96.7379% | 2,050 |
| Total domestic deposits to total assets | 81.5150% | 3,734 |
| Equity capital to assets | 11.5370% | 2,237 |
| Core capital (leverage) ratio | 9.6739% | 3,971 |
| Tier 1 risk-based capital ratio | 12.4356% | 4,232 |
| Total risk-based capital ratio | 13.3802% | 4,318 |
| Memoranda: | ||
| Average total assets | $4,446,817,500 | 242 |
| Average earning assets | $4,055,074,000 | 241 |
| Average equity | $508,031,750 | 236 |
| Average total loans | $3,172,677,250 | 241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 3,491 |
| Cost of funding earning assets | 0.6006% | 2,221 |
| Net interest margin | 3.4888% | 3,668 |
| Noninterest income to average assets | 0.4225% | 3,338 |
| Noninterest expense to average assets | 2.0226% | 4,759 |
| Loan and lease loss provision to assets | 0.0540% | 2,831 |
| Net operating income to assets | 1.2093% | 2,159 |
| Return on assets (ROA) | 0.9279% | 3,334 |
| Pretax return on assets | 1.1711% | 3,045 |
| Return on Equity (ROE) | 8.1486% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.1989% | 3,510 |
| Net charge-offs to loans | 0.0793% | 1,534 |
| Credit loss provision to net charge-offs | 95.6175% | 2,112 |
| Earnings coverage of net charge-offs (x) | 28.0159% | 1,565 |
| Efficiency ratio | 55.5128% | 4,537 |
| Assets per employee ($millions) | 8.9691% | 453 |
| Cash dividends to net income (ytd only)* | 48.4707% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,892 |
| Loan loss allowance to noncurrent loans | 1,249.5855% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,712 |
| Noncurrent loans to loans | 0.0795% | 4,555 |
| Net loans and leases to total assets | 71.5050% | 2,360 |
| Net loans and leases to deposits | 88.6307% | 2,027 |
| Net loans and leases to core deposits | 99.5111% | 1,769 |
| Total domestic deposits to total assets | 80.6774% | 4,084 |
| Equity capital to assets | 11.6141% | 2,113 |
| Core capital (leverage) ratio | 9.5577% | 4,054 |
| Tier 1 risk-based capital ratio | 12.3901% | 4,251 |
| Total risk-based capital ratio | 13.3327% | 4,322 |
| Memoranda: | ||
| Average total assets | $4,446,864,670 | 241 |
| Average earning assets | $4,055,135,000 | 238 |
| Average equity | $506,371,330 | 235 |
| Average total loans | $3,163,887,670 | 238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 3,372 |
| Cost of funding earning assets | 0.5586% | 2,329 |
| Net interest margin | 3.5019% | 3,529 |
| Noninterest income to average assets | 0.3657% | 3,696 |
| Noninterest expense to average assets | 2.0190% | 4,814 |
| Loan and lease loss provision to assets | 0.0717% | 2,329 |
| Net operating income to assets | 1.1651% | 2,159 |
| Return on assets (ROA) | 1.1651% | 2,170 |
| Pretax return on assets | 1.4716% | 1,760 |
| Return on Equity (ROE) | 10.3333% | 2,261 |
| Retained earnings to average equity (ytd only) | 6.3596% | 2,561 |
| Net charge-offs to loans | -0.0387% | 4,856 |
| Credit loss provision to net charge-offs | -262.2951% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0584% | 4,571 |
| Assets per employee ($millions) | 9.4118% | 385 |
| Cash dividends to net income (ytd only)* | 38.4556% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,817 |
| Loan loss allowance to noncurrent loans | 375.5952% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 4,088 |
| Noncurrent loans to loans | 0.2728% | 3,791 |
| Net loans and leases to total assets | 70.4423% | 2,398 |
| Net loans and leases to deposits | 92.1939% | 1,431 |
| Net loans and leases to core deposits | 102.0799% | 1,522 |
| Total domestic deposits to total assets | 76.4067% | 4,928 |
| Equity capital to assets | 11.2410% | 2,357 |
| Core capital (leverage) ratio | 9.5174% | 4,050 |
| Tier 1 risk-based capital ratio | 12.0733% | 4,513 |
| Total risk-based capital ratio | 13.0339% | 4,573 |
| Memoranda: | ||
| Average total assets | $4,463,904,000 | 241 |
| Average earning assets | $4,074,807,000 | 237 |
| Average equity | $503,304,000 | 238 |
| Average total loans | $3,152,324,500 | 237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 3,645 |
| Cost of funding earning assets | 0.4742% | 2,559 |
| Net interest margin | 3.4513% | 3,687 |
| Noninterest income to average assets | 0.4263% | 3,466 |
| Noninterest expense to average assets | 2.1723% | 4,589 |
| Loan and lease loss provision to assets | 0.3337% | 497 |
| Net operating income to assets | 0.5576% | 4,198 |
| Return on assets (ROA) | 0.5581% | 4,231 |
| Pretax return on assets | 1.0503% | 3,378 |
| Return on Equity (ROE) | 4.7639% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.7639% | 2,284 |
| Net charge-offs to loans | 0.2929% | 893 |
| Credit loss provision to net charge-offs | 170.3650% | 1,585 |
| Earnings coverage of net charge-offs (x) | 7.0610% | 3,097 |
| Efficiency ratio | 60.4001% | 4,201 |
| Assets per employee ($millions) | 9.2270% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,798 |
| Loan loss allowance to noncurrent loans | 360.7578% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 4,146 |
| Noncurrent loans to loans | 0.2833% | 3,768 |
| Net loans and leases to total assets | 69.3399% | 2,625 |
| Net loans and leases to deposits | 91.8822% | 1,544 |
| Net loans and leases to core deposits | 99.4209% | 1,757 |
| Total domestic deposits to total assets | 75.4661% | 5,033 |
| Equity capital to assets | 11.3095% | 2,354 |
| Core capital (leverage) ratio | 9.5773% | 3,941 |
| Tier 1 risk-based capital ratio | 12.0815% | 4,475 |
| Total risk-based capital ratio | 13.0283% | 4,557 |
| Memoranda: | ||
| Average total assets | $4,210,417,800 | 241 |
| Average earning assets | $3,817,313,000 | 242 |
| Average equity | $493,290,600 | 232 |
| Average total loans | $2,815,745,000 | 252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,705 |
| Cost of funding earning assets | 0.4547% | 2,675 |
| Net interest margin | 3.4376% | 3,715 |
| Noninterest income to average assets | 0.4252% | 3,517 |
| Noninterest expense to average assets | 2.0011% | 4,950 |
| Loan and lease loss provision to assets | 0.1171% | 1,853 |
| Net operating income to assets | 0.9465% | 2,797 |
| Return on assets (ROA) | 0.9521% | 2,830 |
| Pretax return on assets | 1.4290% | 2,019 |
| Return on Equity (ROE) | 8.0518% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.0518% | 1,201 |
| Net charge-offs to loans | 0.0137% | 3,250 |
| Credit loss provision to net charge-offs | 1,298.9324% | 281 |
| Earnings coverage of net charge-offs (x) | 170.5753% | 496 |
| Efficiency ratio | 55.8203% | 4,767 |
| Assets per employee ($millions) | 8.5505% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,042 |
| Loan loss allowance to noncurrent loans | 295.8363% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 4,138 |
| Noncurrent loans to loans | 0.3387% | 3,735 |
| Net loans and leases to total assets | 67.5203% | 2,915 |
| Net loans and leases to deposits | 89.9624% | 1,813 |
| Net loans and leases to core deposits | 97.6694% | 1,912 |
| Total domestic deposits to total assets | 75.0539% | 5,120 |
| Equity capital to assets | 11.8712% | 2,054 |
| Core capital (leverage) ratio | 9.8873% | 3,713 |
| Tier 1 risk-based capital ratio | 12.8502% | 4,114 |
| Total risk-based capital ratio | 13.7767% | 4,206 |
| Memoranda: | ||
| Average total assets | $4,155,779,250 | 243 |
| Average earning assets | $3,764,151,250 | 246 |
| Average equity | $491,389,250 | 233 |
| Average total loans | $2,743,993,250 | 256 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,749 |
| Cost of funding earning assets | 0.4239% | 2,860 |
| Net interest margin | 3.4198% | 3,703 |
| Noninterest income to average assets | 0.4168% | 3,586 |
| Noninterest expense to average assets | 2.0017% | 4,974 |
| Loan and lease loss provision to assets | 0.0851% | 2,286 |
| Net operating income to assets | 0.9459% | 2,686 |
| Return on assets (ROA) | 0.9459% | 2,745 |
| Pretax return on assets | 1.4212% | 1,933 |
| Return on Equity (ROE) | 8.0107% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.0107% | 1,161 |
| Net charge-offs to loans | 0.0082% | 3,164 |
| Credit loss provision to net charge-offs | 1,590.9091% | 258 |
| Earnings coverage of net charge-offs (x) | 281.6091% | 305 |
| Efficiency ratio | 56.2951% | 4,795 |
| Assets per employee ($millions) | 8.2931% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,237 |
| Loan loss allowance to noncurrent loans | 744.0303% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,842 |
| Noncurrent loans to loans | 0.1324% | 4,590 |
| Net loans and leases to total assets | 65.5920% | 3,165 |
| Net loans and leases to deposits | 89.9622% | 1,731 |
| Net loans and leases to core deposits | 97.8047% | 1,827 |
| Total domestic deposits to total assets | 72.9106% | 5,393 |
| Equity capital to assets | 11.7774% | 2,092 |
| Core capital (leverage) ratio | 9.8339% | 3,738 |
| Tier 1 risk-based capital ratio | 12.8340% | 4,099 |
| Total risk-based capital ratio | 13.7292% | 4,211 |
| Memoranda: | ||
| Average total assets | $4,113,106,670 | 245 |
| Average earning assets | $3,717,824,670 | 249 |
| Average equity | $485,673,670 | 236 |
| Average total loans | $2,684,756,000 | 261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,590 |
| Cost of funding earning assets | 0.3904% | 3,097 |
| Net interest margin | 3.4575% | 3,427 |
| Noninterest income to average assets | 0.4032% | 3,637 |
| Noninterest expense to average assets | 1.9928% | 5,066 |
| Loan and lease loss provision to assets | 0.0788% | 2,237 |
| Net operating income to assets | 0.9772% | 2,408 |
| Return on assets (ROA) | 0.9772% | 2,460 |
| Pretax return on assets | 1.4500% | 1,696 |
| Return on Equity (ROE) | 8.2644% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2644% | 1,350 |
| Net charge-offs to loans | 0.0131% | 2,541 |
| Credit loss provision to net charge-offs | 930.2326% | 349 |
| Earnings coverage of net charge-offs (x) | 180.3953% | 314 |
| Efficiency ratio | 55.8065% | 4,953 |
| Assets per employee ($millions) | 8.4669% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,142.8939% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,063 |
| Noncurrent loans to loans | 0.0876% | 4,842 |
| Net loans and leases to total assets | 64.7347% | 3,163 |
| Net loans and leases to deposits | 87.5608% | 1,854 |
| Net loans and leases to core deposits | 95.0720% | 1,889 |
| Total domestic deposits to total assets | 73.9311% | 5,420 |
| Equity capital to assets | 11.9544% | 1,875 |
| Core capital (leverage) ratio | 9.8982% | 3,627 |
| Tier 1 risk-based capital ratio | 13.1188% | 4,016 |
| Total risk-based capital ratio | 14.0271% | 4,109 |
| Memoranda: | ||
| Average total assets | $4,059,064,000 | 251 |
| Average earning assets | $3,660,926,500 | 252 |
| Average equity | $479,938,000 | 239 |
| Average total loans | $2,628,979,500 | 270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,439 |
| Cost of funding earning assets | 0.3127% | 3,918 |
| Net interest margin | 3.6228% | 2,988 |
| Noninterest income to average assets | 0.4006% | 3,879 |
| Noninterest expense to average assets | 1.9848% | 5,220 |
| Loan and lease loss provision to assets | 0.1436% | 1,743 |
| Net operating income to assets | 1.0153% | 2,285 |
| Return on assets (ROA) | 1.0228% | 2,351 |
| Pretax return on assets | 1.5642% | 1,382 |
| Return on Equity (ROE) | 8.9076% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.9076% | 605 |
| Net charge-offs to loans | 0.0155% | 3,775 |
| Credit loss provision to net charge-offs | 1,423.0769% | 292 |
| Earnings coverage of net charge-offs (x) | 168.0769% | 387 |
| Efficiency ratio | 52.0677% | 5,382 |
| Assets per employee ($millions) | 8.5347% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,355 |
| Loan loss allowance to noncurrent loans | 1,142.1517% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,114 |
| Noncurrent loans to loans | 0.0872% | 4,892 |
| Net loans and leases to total assets | 63.5060% | 3,417 |
| Net loans and leases to deposits | 87.1267% | 2,035 |
| Net loans and leases to core deposits | 95.1089% | 1,999 |
| Total domestic deposits to total assets | 72.8893% | 5,503 |
| Equity capital to assets | 11.6930% | 2,013 |
| Core capital (leverage) ratio | 9.9317% | 3,590 |
| Tier 1 risk-based capital ratio | 13.0913% | 4,003 |
| Total risk-based capital ratio | 13.9972% | 4,129 |
| Memoranda: | ||
| Average total assets | $3,864,651,600 | 243 |
| Average earning assets | $3,499,362,400 | 244 |
| Average equity | $443,754,200 | 238 |
| Average total loans | $2,520,730,800 | 264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 3,351 |
| Cost of funding earning assets | 0.3063% | 4,028 |
| Net interest margin | 3.6587% | 2,862 |
| Noninterest income to average assets | 0.4109% | 3,838 |
| Noninterest expense to average assets | 2.0349% | 5,137 |
| Loan and lease loss provision to assets | 0.1450% | 1,615 |
| Net operating income to assets | 1.0154% | 2,360 |
| Return on assets (ROA) | 1.0255% | 2,444 |
| Pretax return on assets | 1.5696% | 1,467 |
| Return on Equity (ROE) | 8.9752% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.9752% | 826 |
| Net charge-offs to loans | 0.0312% | 3,023 |
| Credit loss provision to net charge-offs | 708.1911% | 558 |
| Earnings coverage of net charge-offs (x) | 83.0021% | 757 |
| Efficiency ratio | 52.8069% | 5,327 |
| Assets per employee ($millions) | 7.8875% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,706 |
| Loan loss allowance to noncurrent loans | 785.3958% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,115 |
| Noncurrent loans to loans | 0.1197% | 4,862 |
| Net loans and leases to total assets | 66.8336% | 2,981 |
| Net loans and leases to deposits | 87.6089% | 2,068 |
| Net loans and leases to core deposits | 92.7157% | 2,313 |
| Total domestic deposits to total assets | 76.2864% | 5,193 |
| Equity capital to assets | 11.8824% | 2,195 |
| Core capital (leverage) ratio | 9.5921% | 4,068 |
| Tier 1 risk-based capital ratio | 12.3752% | 4,556 |
| Total risk-based capital ratio | 13.2413% | 4,696 |
| Memoranda: | ||
| Average total assets | $3,817,314,000 | 246 |
| Average earning assets | $3,466,939,750 | 245 |
| Average equity | $436,184,000 | 242 |
| Average total loans | $2,500,803,500 | 263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,435 |
| Cost of funding earning assets | 0.3098% | 4,020 |
| Net interest margin | 3.6376% | 2,944 |
| Noninterest income to average assets | 0.4071% | 3,823 |
| Noninterest expense to average assets | 2.0522% | 5,164 |
| Loan and lease loss provision to assets | 0.1128% | 1,992 |
| Net operating income to assets | 1.0090% | 2,350 |
| Return on assets (ROA) | 1.0244% | 2,415 |
| Pretax return on assets | 1.5698% | 1,454 |
| Return on Equity (ROE) | 9.0863% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.0863% | 825 |
| Net charge-offs to loans | 0.0150% | 3,233 |
| Credit loss provision to net charge-offs | 1,155.9140% | 330 |
| Earnings coverage of net charge-offs (x) | 170.0054% | 375 |
| Efficiency ratio | 53.3908% | 5,360 |
| Assets per employee ($millions) | 8.0633% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,962 |
| Loan loss allowance to noncurrent loans | 575.7606% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 5,088 |
| Noncurrent loans to loans | 0.1562% | 4,810 |
| Net loans and leases to total assets | 66.8797% | 2,956 |
| Net loans and leases to deposits | 87.6622% | 2,042 |
| Net loans and leases to core deposits | 92.6432% | 2,294 |
| Total domestic deposits to total assets | 76.2926% | 5,251 |
| Equity capital to assets | 12.0854% | 2,067 |
| Core capital (leverage) ratio | 9.0750% | 4,744 |
| Tier 1 risk-based capital ratio | 12.4310% | 4,574 |
| Total risk-based capital ratio | 13.2556% | 4,737 |
| Memoranda: | ||
| Average total assets | $3,811,972,330 | 246 |
| Average earning assets | $3,462,509,670 | 246 |
| Average equity | $429,747,330 | 245 |
| Average total loans | $2,472,315,670 | 263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,822 |
| Cost of funding earning assets | 0.3081% | 4,080 |
| Net interest margin | 3.5287% | 3,362 |
| Noninterest income to average assets | 0.4057% | 3,785 |
| Noninterest expense to average assets | 1.9609% | 5,413 |
| Loan and lease loss provision to assets | 0.1300% | 1,626 |
| Net operating income to assets | 0.9934% | 2,313 |
| Return on assets (ROA) | 0.9979% | 2,407 |
| Pretax return on assets | 1.5352% | 1,487 |
| Return on Equity (ROE) | 9.1728% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.1728% | 1,058 |
| Net charge-offs to loans | 0.0319% | 2,315 |
| Credit loss provision to net charge-offs | 641.0256% | 502 |
| Earnings coverage of net charge-offs (x) | 81.7949% | 629 |
| Efficiency ratio | 52.2379% | 5,501 |
| Assets per employee ($millions) | 8.6754% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 5,125 |
| Loan loss allowance to noncurrent loans | 603.0152% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,213 |
| Noncurrent loans to loans | 0.1457% | 4,891 |
| Net loans and leases to total assets | 62.8596% | 3,405 |
| Net loans and leases to deposits | 83.1033% | 2,418 |
| Net loans and leases to core deposits | 89.3251% | 2,438 |
| Total domestic deposits to total assets | 75.6403% | 5,459 |
| Equity capital to assets | 10.8873% | 3,058 |
| Core capital (leverage) ratio | 8.7052% | 5,168 |
| Tier 1 risk-based capital ratio | 11.6319% | 5,148 |
| Total risk-based capital ratio | 12.4315% | 5,314 |
| Memoranda: | ||
| Average total assets | $3,847,273,500 | 242 |
| Average earning assets | $3,503,577,500 | 242 |
| Average equity | $418,540,500 | 247 |
| Average total loans | $2,446,010,500 | 264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,042 |
| Cost of funding earning assets | 0.2683% | 4,608 |
| Net interest margin | 3.5309% | 3,409 |
| Noninterest income to average assets | 0.4108% | 3,946 |
| Noninterest expense to average assets | 2.3771% | 4,570 |
| Loan and lease loss provision to assets | 0.1308% | 1,828 |
| Net operating income to assets | 0.7482% | 3,585 |
| Return on assets (ROA) | 0.7480% | 3,679 |
| Pretax return on assets | 1.1309% | 2,917 |
| Return on Equity (ROE) | 7.3737% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.3737% | 1,139 |
| Net charge-offs to loans | 0.0459% | 3,300 |
| Credit loss provision to net charge-offs | 447.9283% | 685 |
| Earnings coverage of net charge-offs (x) | 43.2217% | 1,102 |
| Efficiency ratio | 64.0216% | 4,258 |
| Assets per employee ($millions) | 8.8157% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,234 |
| Loan loss allowance to noncurrent loans | 896.4564% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 5,359 |
| Noncurrent loans to loans | 0.0960% | 5,113 |
| Net loans and leases to total assets | 63.1958% | 3,386 |
| Net loans and leases to deposits | 83.3024% | 2,448 |
| Net loans and leases to core deposits | 90.4553% | 2,371 |
| Total domestic deposits to total assets | 75.8631% | 5,457 |
| Equity capital to assets | 10.8702% | 2,969 |
| Core capital (leverage) ratio | 9.0924% | 4,762 |
| Tier 1 risk-based capital ratio | 11.8695% | 5,030 |
| Total risk-based capital ratio | 12.6507% | 5,211 |
| Memoranda: | ||
| Average total assets | $3,058,411,600 | 275 |
| Average earning assets | $2,796,370,400 | 275 |
| Average equity | $310,253,400 | 296 |
| Average total loans | $1,943,764,600 | 294 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,185 |
| Cost of funding earning assets | 0.2664% | 4,699 |
| Net interest margin | 3.5033% | 3,517 |
| Noninterest income to average assets | 0.4254% | 3,898 |
| Noninterest expense to average assets | 2.5291% | 4,107 |
| Loan and lease loss provision to assets | 0.1390% | 1,596 |
| Net operating income to assets | 0.6441% | 4,166 |
| Return on assets (ROA) | 0.6438% | 4,276 |
| Pretax return on assets | 0.9705% | 3,739 |
| Return on Equity (ROE) | 6.4990% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.4990% | 1,957 |
| Net charge-offs to loans | 0.0328% | 3,260 |
| Credit loss provision to net charge-offs | 666.6667% | 511 |
| Earnings coverage of net charge-offs (x) | 53.2351% | 1,001 |
| Efficiency ratio | 68.5176% | 3,447 |
| Assets per employee ($millions) | 8.0438% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,282 |
| Loan loss allowance to noncurrent loans | 365.7065% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 5,131 |
| Noncurrent loans to loans | 0.2399% | 4,715 |
| Net loans and leases to total assets | 65.0433% | 3,149 |
| Net loans and leases to deposits | 77.7288% | 3,125 |
| Net loans and leases to core deposits | 85.8600% | 2,864 |
| Total domestic deposits to total assets | 83.6798% | 3,546 |
| Equity capital to assets | 11.5668% | 2,446 |
| Core capital (leverage) ratio | 9.3171% | 4,564 |
| Tier 1 risk-based capital ratio | 12.2108% | 4,954 |
| Total risk-based capital ratio | 13.0104% | 5,151 |
| Memoranda: | ||
| Average total assets | $2,877,528,750 | 291 |
| Average earning assets | $2,639,615,000 | 292 |
| Average equity | $285,040,250 | 319 |
| Average total loans | $1,827,012,250 | 305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,016 |
| Cost of funding earning assets | 0.2508% | 4,931 |
| Net interest margin | 3.2385% | 4,535 |
| Noninterest income to average assets | 0.3962% | 4,100 |
| Noninterest expense to average assets | 2.6433% | 3,762 |
| Loan and lease loss provision to assets | 0.1125% | 1,956 |
| Net operating income to assets | 0.4270% | 5,050 |
| Return on assets (ROA) | 0.4265% | 5,157 |
| Pretax return on assets | 0.6240% | 4,914 |
| Return on Equity (ROE) | 4.6472% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.6472% | 3,084 |
| Net charge-offs to loans | 0.0382% | 2,914 |
| Credit loss provision to net charge-offs | 470.2194% | 656 |
| Earnings coverage of net charge-offs (x) | 30.8245% | 1,341 |
| Efficiency ratio | 77.9862% | 2,077 |
| Assets per employee ($millions) | 7.9346% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 5,523 |
| Loan loss allowance to noncurrent loans | 585.3188% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,493 |
| Noncurrent loans to loans | 0.1419% | 5,181 |
| Net loans and leases to total assets | 65.5372% | 3,034 |
| Net loans and leases to deposits | 80.6837% | 2,698 |
| Net loans and leases to core deposits | 89.3572% | 2,407 |
| Total domestic deposits to total assets | 81.2273% | 4,536 |
| Equity capital to assets | 10.1808% | 3,824 |
| Core capital (leverage) ratio | 10.6767% | 2,760 |
| Tier 1 risk-based capital ratio | 10.2839% | 5,999 |
| Total risk-based capital ratio | 11.0449% | 6,103 |
| Memoranda: | ||
| Average total assets | $2,667,674,330 | 309 |
| Average earning assets | $2,458,221,670 | 301 |
| Average equity | $244,834,330 | 364 |
| Average total loans | $1,668,910,670 | 328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 3,846 |
| Cost of funding earning assets | 0.2757% | 4,717 |
| Net interest margin | 3.5683% | 3,131 |
| Noninterest income to average assets | 0.4871% | 3,375 |
| Noninterest expense to average assets | 2.3196% | 4,831 |
| Loan and lease loss provision to assets | 0.1399% | 1,469 |
| Net operating income to assets | 0.8743% | 2,872 |
| Return on assets (ROA) | 0.8732% | 3,006 |
| Pretax return on assets | 1.3544% | 2,052 |
| Return on Equity (ROE) | 10.3629% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.3629% | 837 |
| Net charge-offs to loans | 0.0517% | 2,261 |
| Credit loss provision to net charge-offs | 451.9774% | 594 |
| Earnings coverage of net charge-offs (x) | 48.3390% | 857 |
| Efficiency ratio | 60.5719% | 5,021 |
| Assets per employee ($millions) | 6.7661% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 3,395 |
| Loan loss allowance to noncurrent loans | 684.6644% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 5,484 |
| Noncurrent loans to loans | 0.1901% | 5,105 |
| Net loans and leases to total assets | 60.5557% | 3,575 |
| Net loans and leases to deposits | 75.2643% | 3,141 |
| Net loans and leases to core deposits | 77.2257% | 3,461 |
| Total domestic deposits to total assets | 80.4575% | 4,942 |
| Equity capital to assets | 8.5370% | 5,715 |
| Core capital (leverage) ratio | 8.4701% | 5,547 |
| Tier 1 risk-based capital ratio | 11.5381% | 5,534 |
| Total risk-based capital ratio | 12.6497% | 5,518 |
| Memoranda: | ||
| Average total assets | $2,287,631,000 | 346 |
| Average earning assets | $2,133,875,000 | 336 |
| Average equity | $192,764,000 | 433 |
| Average total loans | $1,370,728,000 | 374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,624 |
| Cost of funding earning assets | 0.3057% | 4,735 |
| Net interest margin | 3.4517% | 3,971 |
| Noninterest income to average assets | 0.4271% | 3,991 |
| Noninterest expense to average assets | 2.4391% | 4,730 |
| Loan and lease loss provision to assets | 0.1028% | 2,440 |
| Net operating income to assets | 0.7227% | 3,784 |
| Return on assets (ROA) | 0.6891% | 4,062 |
| Pretax return on assets | 1.0488% | 3,311 |
| Return on Equity (ROE) | 8.5592% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.5592% | 811 |
| Net charge-offs to loans | 0.0475% | 3,876 |
| Credit loss provision to net charge-offs | 390.0709% | 667 |
| Earnings coverage of net charge-offs (x) | 45.6436% | 993 |
| Efficiency ratio | 66.5936% | 4,133 |
| Assets per employee ($millions) | 6.6910% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 3,328 |
| Loan loss allowance to noncurrent loans | 1,309.3541% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 5,778 |
| Noncurrent loans to loans | 0.1006% | 5,492 |
| Net loans and leases to total assets | 57.7142% | 4,086 |
| Net loans and leases to deposits | 71.9961% | 3,683 |
| Net loans and leases to core deposits | 73.6433% | 3,948 |
| Total domestic deposits to total assets | 80.1629% | 4,972 |
| Equity capital to assets | 8.3158% | 5,884 |
| Core capital (leverage) ratio | 8.3349% | 5,743 |
| Tier 1 risk-based capital ratio | 11.8543% | 5,460 |
| Total risk-based capital ratio | 12.9726% | 5,439 |
| Memoranda: | ||
| Average total assets | $2,140,734,400 | 352 |
| Average earning assets | $1,993,652,000 | 338 |
| Average equity | $172,341,600 | 459 |
| Average total loans | $1,186,348,200 | 396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,671 |
| Cost of funding earning assets | 0.3109% | 4,771 |
| Net interest margin | 3.4519% | 4,016 |
| Noninterest income to average assets | 0.4239% | 4,068 |
| Noninterest expense to average assets | 2.4763% | 4,605 |
| Loan and lease loss provision to assets | 0.1077% | 2,241 |
| Net operating income to assets | 0.7040% | 3,921 |
| Return on assets (ROA) | 0.6565% | 4,286 |
| Pretax return on assets | 0.9844% | 3,652 |
| Return on Equity (ROE) | 8.2284% | 3,082 |
| Retained earnings to average equity (ytd only) | 8.2284% | 1,252 |
| Net charge-offs to loans | 0.0794% | 3,063 |
| Credit loss provision to net charge-offs | 248.5380% | 1,063 |
| Earnings coverage of net charge-offs (x) | 26.8303% | 1,474 |
| Efficiency ratio | 67.6070% | 3,922 |
| Assets per employee ($millions) | 6.6797% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 3,311 |
| Loan loss allowance to noncurrent loans | 671.0174% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 5,624 |
| Noncurrent loans to loans | 0.2039% | 5,289 |
| Net loans and leases to total assets | 55.3076% | 4,421 |
| Net loans and leases to deposits | 67.8883% | 4,138 |
| Net loans and leases to core deposits | 69.8218% | 4,339 |
| Total domestic deposits to total assets | 81.4686% | 4,675 |
| Equity capital to assets | 8.4492% | 5,834 |
| Core capital (leverage) ratio | 8.4668% | 5,687 |
| Tier 1 risk-based capital ratio | 11.8812% | 5,569 |
| Total risk-based capital ratio | 12.9983% | 5,566 |
| Memoranda: | ||
| Average total assets | $2,103,835,750 | 355 |
| Average earning assets | $1,959,709,500 | 340 |
| Average equity | $167,854,000 | 466 |
| Average total loans | $1,148,353,500 | 408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,716 |
| Cost of funding earning assets | 0.3169% | 4,799 |
| Net interest margin | 3.4277% | 4,071 |
| Noninterest income to average assets | 0.4032% | 4,218 |
| Noninterest expense to average assets | 2.6166% | 4,181 |
| Loan and lease loss provision to assets | 0.1162% | 2,101 |
| Net operating income to assets | 0.5813% | 4,447 |
| Return on assets (ROA) | 0.5082% | 4,873 |
| Pretax return on assets | 0.7593% | 4,422 |
| Return on Equity (ROE) | 6.5065% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.5065% | 2,032 |
| Net charge-offs to loans | 0.0933% | 2,744 |
| Credit loss provision to net charge-offs | 230.3263% | 1,052 |
| Earnings coverage of net charge-offs (x) | 19.5221% | 1,619 |
| Efficiency ratio | 72.2439% | 3,287 |
| Assets per employee ($millions) | 6.7552% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 3,410 |
| Loan loss allowance to noncurrent loans | 459.6308% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 5,553 |
| Noncurrent loans to loans | 0.3022% | 5,105 |
| Net loans and leases to total assets | 54.1050% | 4,530 |
| Net loans and leases to deposits | 67.3890% | 4,125 |
| Net loans and leases to core deposits | 69.4022% | 4,326 |
| Total domestic deposits to total assets | 80.2876% | 5,181 |
| Equity capital to assets | 8.3391% | 5,923 |
| Core capital (leverage) ratio | 8.1949% | 5,931 |
| Tier 1 risk-based capital ratio | 12.0666% | 5,505 |
| Total risk-based capital ratio | 13.2172% | 5,490 |
| Memoranda: | ||
| Average total assets | $2,065,889,330 | 358 |
| Average earning assets | $1,927,445,670 | 341 |
| Average equity | $161,347,000 | 474 |
| Average total loans | $1,116,618,000 | 417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,834 |
| Cost of funding earning assets | 0.3160% | 4,908 |
| Net interest margin | 3.3878% | 4,179 |
| Noninterest income to average assets | 0.3772% | 4,373 |
| Noninterest expense to average assets | 2.9869% | 2,908 |
| Loan and lease loss provision to assets | 0.1397% | 1,741 |
| Net operating income to assets | 0.2894% | 5,534 |
| Return on assets (ROA) | 0.1363% | 5,990 |
| Pretax return on assets | 0.1970% | 5,921 |
| Return on Equity (ROE) | 1.8121% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8121% | 4,880 |
| Net charge-offs to loans | 0.1236% | 1,981 |
| Credit loss provision to net charge-offs | 210.8434% | 999 |
| Earnings coverage of net charge-offs (x) | 8.4307% | 2,025 |
| Efficiency ratio | 83.9196% | 1,681 |
| Assets per employee ($millions) | 6.9725% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,406 |
| Loan loss allowance to noncurrent loans | 303.4668% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,418 |
| Noncurrent loans to loans | 0.4749% | 4,739 |
| Net loans and leases to total assets | 52.9836% | 4,544 |
| Net loans and leases to deposits | 66.0838% | 4,084 |
| Net loans and leases to core deposits | 67.7266% | 4,340 |
| Total domestic deposits to total assets | 80.1765% | 5,454 |
| Equity capital to assets | 7.7498% | 6,208 |
| Core capital (leverage) ratio | 8.2979% | 5,847 |
| Tier 1 risk-based capital ratio | 11.4534% | 5,942 |
| Total risk-based capital ratio | 12.6243% | 5,930 |
| Memoranda: | ||
| Average total assets | $2,004,497,500 | 362 |
| Average earning assets | $1,874,622,500 | 356 |
| Average equity | $150,763,000 | 499 |
| Average total loans | $1,074,496,500 | 427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 5,342 |
| Cost of funding earning assets | 0.3666% | 4,990 |
| Net interest margin | 3.2599% | 4,805 |
| Noninterest income to average assets | 0.4777% | 3,907 |
| Noninterest expense to average assets | 2.2162% | 5,589 |
| Loan and lease loss provision to assets | 0.1379% | 2,583 |
| Net operating income to assets | 0.7983% | 3,296 |
| Return on assets (ROA) | 0.8238% | 3,258 |
| Pretax return on assets | 1.2434% | 2,403 |
| Return on Equity (ROE) | 10.6969% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.6969% | 464 |
| Net charge-offs to loans | 0.0874% | 3,979 |
| Credit loss provision to net charge-offs | 298.2234% | 765 |
| Earnings coverage of net charge-offs (x) | 29.0444% | 1,216 |
| Efficiency ratio | 62.1765% | 5,185 |
| Assets per employee ($millions) | 7.2104% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 2,848 |
| Loan loss allowance to noncurrent loans | 418.5456% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 5,300 |
| Noncurrent loans to loans | 0.3773% | 5,061 |
| Net loans and leases to total assets | 52.5887% | 4,776 |
| Net loans and leases to deposits | 63.2603% | 4,586 |
| Net loans and leases to core deposits | 64.5992% | 4,815 |
| Total domestic deposits to total assets | 83.1308% | 4,503 |
| Equity capital to assets | 7.2666% | 6,375 |
| Core capital (leverage) ratio | 8.2250% | 5,949 |
| Tier 1 risk-based capital ratio | 12.0306% | 5,597 |
| Total risk-based capital ratio | 13.2811% | 5,533 |
| Memoranda: | ||
| Average total assets | $1,704,693,200 | 405 |
| Average earning assets | $1,611,163,600 | 387 |
| Average equity | $131,289,800 | 545 |
| Average total loans | $901,596,400 | 467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 5,350 |
| Cost of funding earning assets | 0.3778% | 5,020 |
| Net interest margin | 3.2549% | 4,809 |
| Noninterest income to average assets | 0.4759% | 3,965 |
| Noninterest expense to average assets | 2.2546% | 5,467 |
| Loan and lease loss provision to assets | 0.1328% | 2,620 |
| Net operating income to assets | 0.7859% | 3,418 |
| Return on assets (ROA) | 0.8214% | 3,365 |
| Pretax return on assets | 1.2243% | 2,604 |
| Return on Equity (ROE) | 10.4957% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.4957% | 687 |
| Net charge-offs to loans | 0.0925% | 3,637 |
| Credit loss provision to net charge-offs | 272.2772% | 932 |
| Earnings coverage of net charge-offs (x) | 26.7393% | 1,338 |
| Efficiency ratio | 63.2542% | 4,930 |
| Assets per employee ($millions) | 6.6977% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 2,765 |
| Loan loss allowance to noncurrent loans | 320.5590% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 5,590 |
| Noncurrent loans to loans | 0.5176% | 4,898 |
| Net loans and leases to total assets | 53.9466% | 4,622 |
| Net loans and leases to deposits | 62.4850% | 4,694 |
| Net loans and leases to core deposits | 64.0238% | 4,900 |
| Total domestic deposits to total assets | 86.3352% | 3,055 |
| Equity capital to assets | 7.5860% | 6,362 |
| Core capital (leverage) ratio | 8.0178% | 6,207 |
| Tier 1 risk-based capital ratio | 12.2408% | 5,610 |
| Total risk-based capital ratio | 13.4922% | 5,548 |
| Memoranda: | ||
| Average total assets | $1,656,781,250 | 418 |
| Average earning assets | $1,569,118,250 | 405 |
| Average equity | $129,662,500 | 553 |
| Average total loans | $873,679,750 | 475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 5,500 |
| Cost of funding earning assets | 0.3756% | 5,181 |
| Net interest margin | 3.2026% | 4,937 |
| Noninterest income to average assets | 0.4737% | 4,004 |
| Noninterest expense to average assets | 2.2164% | 5,590 |
| Loan and lease loss provision to assets | 0.1401% | 2,576 |
| Net operating income to assets | 0.7807% | 3,400 |
| Return on assets (ROA) | 0.8344% | 3,278 |
| Pretax return on assets | 1.2312% | 2,555 |
| Return on Equity (ROE) | 10.5494% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.5494% | 733 |
| Net charge-offs to loans | 0.1075% | 3,283 |
| Credit loss provision to net charge-offs | 250.5447% | 992 |
| Earnings coverage of net charge-offs (x) | 23.1155% | 1,341 |
| Efficiency ratio | 63.0598% | 5,008 |
| Assets per employee ($millions) | 6.6472% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 2,860 |
| Loan loss allowance to noncurrent loans | 372.7519% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 5,740 |
| Noncurrent loans to loans | 0.4505% | 5,137 |
| Net loans and leases to total assets | 51.2544% | 4,959 |
| Net loans and leases to deposits | 60.6483% | 4,901 |
| Net loans and leases to core deposits | 64.2912% | 4,862 |
| Total domestic deposits to total assets | 84.5109% | 4,123 |
| Equity capital to assets | 7.4008% | 6,473 |
| Core capital (leverage) ratio | 8.1639% | 6,043 |
| Tier 1 risk-based capital ratio | 11.9734% | 5,803 |
| Total risk-based capital ratio | 13.2245% | 5,756 |
| Memoranda: | ||
| Average total assets | $1,641,967,670 | 420 |
| Average earning assets | $1,556,024,670 | 404 |
| Average equity | $129,865,330 | 556 |
| Average total loans | $853,828,330 | 488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 5,391 |
| Cost of funding earning assets | 0.3855% | 5,236 |
| Net interest margin | 3.2349% | 4,781 |
| Noninterest income to average assets | 0.4373% | 4,199 |
| Noninterest expense to average assets | 2.2226% | 5,629 |
| Loan and lease loss provision to assets | 0.1376% | 2,520 |
| Net operating income to assets | 0.7804% | 3,279 |
| Return on assets (ROA) | 0.8379% | 3,104 |
| Pretax return on assets | 1.2312% | 2,466 |
| Return on Equity (ROE) | 10.2381% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.2381% | 1,049 |
| Net charge-offs to loans | 0.0313% | 3,593 |
| Credit loss provision to net charge-offs | 846.1538% | 355 |
| Earnings coverage of net charge-offs (x) | 78.9692% | 474 |
| Efficiency ratio | 63.2660% | 5,124 |
| Assets per employee ($millions) | 6.2747% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,872 |
| Loan loss allowance to noncurrent loans | 401.1828% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 5,819 |
| Noncurrent loans to loans | 0.4315% | 5,342 |
| Net loans and leases to total assets | 53.7900% | 4,452 |
| Net loans and leases to deposits | 61.4347% | 4,627 |
| Net loans and leases to core deposits | 65.5313% | 4,587 |
| Total domestic deposits to total assets | 87.5564% | 2,601 |
| Equity capital to assets | 8.4074% | 6,095 |
| Core capital (leverage) ratio | 8.3147% | 5,805 |
| Tier 1 risk-based capital ratio | 12.3235% | 5,699 |
| Total risk-based capital ratio | 13.5754% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,598,818,000 | 437 |
| Average earning assets | $1,517,081,500 | 414 |
| Average equity | $130,845,000 | 562 |
| Average total loans | $830,271,000 | 501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 5,509 |
| Cost of funding earning assets | 0.4456% | 5,616 |
| Net interest margin | 3.4787% | 4,588 |
| Noninterest income to average assets | 0.5427% | 3,632 |
| Noninterest expense to average assets | 2.3008% | 5,690 |
| Loan and lease loss provision to assets | 0.3424% | 1,960 |
| Net operating income to assets | 0.8186% | 3,193 |
| Return on assets (ROA) | 0.9419% | 2,840 |
| Pretax return on assets | 1.3902% | 2,073 |
| Return on Equity (ROE) | 11.5052% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.5052% | 376 |
| Net charge-offs to loans | 0.2016% | 3,765 |
| Credit loss provision to net charge-offs | 357.6538% | 682 |
| Earnings coverage of net charge-offs (x) | 16.2031% | 1,594 |
| Efficiency ratio | 59.6092% | 5,599 |
| Assets per employee ($millions) | 6.6232% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,562 |
| Loan loss allowance to noncurrent loans | 381.9841% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 5,927 |
| Noncurrent loans to loans | 0.4734% | 5,344 |
| Net loans and leases to total assets | 48.3157% | 5,377 |
| Net loans and leases to deposits | 55.4255% | 5,496 |
| Net loans and leases to core deposits | 58.8819% | 5,465 |
| Total domestic deposits to total assets | 87.1724% | 2,724 |
| Equity capital to assets | 7.9669% | 6,423 |
| Core capital (leverage) ratio | 8.0866% | 6,105 |
| Tier 1 risk-based capital ratio | 12.4283% | 5,525 |
| Total risk-based capital ratio | 13.6802% | 5,474 |
| Memoranda: | ||
| Average total assets | $1,460,195,600 | 464 |
| Average earning assets | $1,389,154,600 | 439 |
| Average equity | $119,537,000 | 602 |
| Average total loans | $693,415,200 | 600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 5,506 |
| Cost of funding earning assets | 0.4563% | 5,750 |
| Net interest margin | 3.5486% | 4,446 |
| Noninterest income to average assets | 0.5382% | 3,682 |
| Noninterest expense to average assets | 2.3599% | 5,514 |
| Loan and lease loss provision to assets | 0.3686% | 1,763 |
| Net operating income to assets | 0.8094% | 3,404 |
| Return on assets (ROA) | 0.9485% | 2,981 |
| Pretax return on assets | 1.3999% | 2,237 |
| Return on Equity (ROE) | 11.4985% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.4985% | 611 |
| Net charge-offs to loans | 0.1435% | 3,965 |
| Credit loss provision to net charge-offs | 546.6574% | 486 |
| Earnings coverage of net charge-offs (x) | 23.1908% | 1,321 |
| Efficiency ratio | 60.0211% | 5,495 |
| Assets per employee ($millions) | 6.7091% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 2,421 |
| Loan loss allowance to noncurrent loans | 340.5432% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 6,001 |
| Noncurrent loans to loans | 0.5630% | 5,316 |
| Net loans and leases to total assets | 45.9582% | 5,767 |
| Net loans and leases to deposits | 54.3215% | 5,785 |
| Net loans and leases to core deposits | 58.2784% | 5,711 |
| Total domestic deposits to total assets | 84.6041% | 3,932 |
| Equity capital to assets | 7.9634% | 6,612 |
| Core capital (leverage) ratio | 8.4895% | 5,764 |
| Tier 1 risk-based capital ratio | 12.7226% | 5,462 |
| Total risk-based capital ratio | 13.9753% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,419,575,750 | 472 |
| Average earning assets | $1,354,391,750 | 447 |
| Average equity | $117,102,000 | 613 |
| Average total loans | $667,157,500 | 622 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 5,193 |
| Cost of funding earning assets | 0.4727% | 5,812 |
| Net interest margin | 3.6580% | 3,995 |
| Noninterest income to average assets | 0.5406% | 3,651 |
| Noninterest expense to average assets | 2.4342% | 5,346 |
| Loan and lease loss provision to assets | 0.4848% | 1,308 |
| Net operating income to assets | 0.7494% | 3,605 |
| Return on assets (ROA) | 0.9470% | 2,932 |
| Pretax return on assets | 1.3952% | 2,213 |
| Return on Equity (ROE) | 11.3311% | 1,869 |
| Retained earnings to average equity (ytd only) | 11.3311% | 685 |
| Net charge-offs to loans | 0.1878% | 3,455 |
| Credit loss provision to net charge-offs | 548.6799% | 560 |
| Earnings coverage of net charge-offs (x) | 17.9884% | 1,506 |
| Efficiency ratio | 60.3711% | 5,518 |
| Assets per employee ($millions) | 5.9287% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 2,238 |
| Loan loss allowance to noncurrent loans | 357.9614% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 6,100 |
| Noncurrent loans to loans | 0.5581% | 5,397 |
| Net loans and leases to total assets | 47.5263% | 5,658 |
| Net loans and leases to deposits | 53.7022% | 5,900 |
| Net loans and leases to core deposits | 58.3356% | 5,748 |
| Total domestic deposits to total assets | 88.4996% | 1,818 |
| Equity capital to assets | 8.6265% | 6,101 |
| Core capital (leverage) ratio | 8.3156% | 5,890 |
| Tier 1 risk-based capital ratio | 13.6239% | 4,720 |
| Total risk-based capital ratio | 14.8778% | 4,691 |
| Memoranda: | ||
| Average total assets | $1,371,694,670 | 488 |
| Average earning assets | $1,306,069,000 | 466 |
| Average equity | $114,640,670 | 617 |
| Average total loans | $645,386,330 | 640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 5,431 |
| Cost of funding earning assets | 0.4808% | 5,935 |
| Net interest margin | 3.6257% | 4,150 |
| Noninterest income to average assets | 0.4878% | 3,996 |
| Noninterest expense to average assets | 2.4104% | 5,436 |
| Loan and lease loss provision to assets | 0.2430% | 2,525 |
| Net operating income to assets | 0.8828% | 3,005 |
| Return on assets (ROA) | 0.9373% | 2,965 |
| Pretax return on assets | 1.3729% | 2,273 |
| Return on Equity (ROE) | 11.4039% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.4039% | 941 |
| Net charge-offs to loans | 0.2201% | 2,822 |
| Credit loss provision to net charge-offs | 238.4393% | 1,186 |
| Earnings coverage of net charge-offs (x) | 15.0694% | 1,438 |
| Efficiency ratio | 60.9465% | 5,466 |
| Assets per employee ($millions) | 6.3129% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 3,128 |
| Loan loss allowance to noncurrent loans | 297.0079% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 6,200 |
| Noncurrent loans to loans | 0.5924% | 5,476 |
| Net loans and leases to total assets | 45.7039% | 5,818 |
| Net loans and leases to deposits | 52.0006% | 5,968 |
| Net loans and leases to core deposits | 56.5726% | 5,854 |
| Total domestic deposits to total assets | 87.8911% | 2,402 |
| Equity capital to assets | 8.1875% | 6,368 |
| Core capital (leverage) ratio | 8.1134% | 6,142 |
| Tier 1 risk-based capital ratio | 12.9757% | 5,238 |
| Total risk-based capital ratio | 14.2270% | 5,205 |
| Memoranda: | ||
| Average total assets | $1,357,954,000 | 488 |
| Average earning assets | $1,295,316,500 | 466 |
| Average equity | $111,611,000 | 638 |
| Average total loans | $628,813,500 | 662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 5,103 |
| Cost of funding earning assets | 0.5568% | 6,302 |
| Net interest margin | 3.9357% | 3,179 |
| Noninterest income to average assets | 0.5775% | 3,313 |
| Noninterest expense to average assets | 2.6078% | 5,065 |
| Loan and lease loss provision to assets | 0.3305% | 3,042 |
| Net operating income to assets | 0.9540% | 2,392 |
| Return on assets (ROA) | 0.9619% | 2,481 |
| Pretax return on assets | 1.3947% | 1,801 |
| Return on Equity (ROE) | 12.3707% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.3707% | 270 |
| Net charge-offs to loans | 0.2756% | 4,048 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 12.9622% | 1,580 |
| Efficiency ratio | 60.2608% | 5,711 |
| Assets per employee ($millions) | 6.1731% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 2,982 |
| Loan loss allowance to noncurrent loans | 157.6979% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 5,673 |
| Noncurrent loans to loans | 1.1184% | 4,482 |
| Net loans and leases to total assets | 45.2687% | 6,081 |
| Net loans and leases to deposits | 50.2508% | 6,347 |
| Net loans and leases to core deposits | 54.8826% | 6,235 |
| Total domestic deposits to total assets | 90.0855% | 947 |
| Equity capital to assets | 8.2518% | 6,388 |
| Core capital (leverage) ratio | 8.2740% | 5,889 |
| Tier 1 risk-based capital ratio | 13.3509% | 4,804 |
| Total risk-based capital ratio | 14.6024% | 4,776 |
| Memoranda: | ||
| Average total assets | $1,179,864,000 | 551 |
| Average earning assets | $1,122,439,600 | 526 |
| Average equity | $91,740,800 | 740 |
| Average total loans | $565,941,200 | 746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 4,899 |
| Cost of funding earning assets | 0.5657% | 6,446 |
| Net interest margin | 4.0256% | 2,800 |
| Noninterest income to average assets | 0.5735% | 3,353 |
| Noninterest expense to average assets | 2.6828% | 4,795 |
| Loan and lease loss provision to assets | 0.3563% | 2,736 |
| Net operating income to assets | 0.9410% | 2,564 |
| Return on assets (ROA) | 0.9518% | 2,692 |
| Pretax return on assets | 1.3805% | 2,002 |
| Return on Equity (ROE) | 12.4644% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.4644% | 441 |
| Net charge-offs to loans | 0.3334% | 3,423 |
| Credit loss provision to net charge-offs | 220.2166% | 1,296 |
| Earnings coverage of net charge-offs (x) | 10.6383% | 1,896 |
| Efficiency ratio | 60.8562% | 5,584 |
| Assets per employee ($millions) | 5.8655% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 3,282 |
| Loan loss allowance to noncurrent loans | 153.5973% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 5,794 |
| Noncurrent loans to loans | 1.1050% | 4,712 |
| Net loans and leases to total assets | 46.0299% | 6,145 |
| Net loans and leases to deposits | 50.8659% | 6,452 |
| Net loans and leases to core deposits | 56.5215% | 6,274 |
| Total domestic deposits to total assets | 90.4926% | 640 |
| Equity capital to assets | 7.5556% | 6,916 |
| Core capital (leverage) ratio | 7.3148% | 6,848 |
| Tier 1 risk-based capital ratio | 11.8016% | 6,038 |
| Total risk-based capital ratio | 13.0526% | 6,024 |
| Memoranda: | ||
| Average total assets | $1,141,484,000 | 579 |
| Average earning assets | $1,086,093,750 | 547 |
| Average equity | $87,169,000 | 777 |
| Average total loans | $553,815,750 | 769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 4,958 |
| Cost of funding earning assets | 0.5769% | 6,552 |
| Net interest margin | 4.0231% | 2,726 |
| Noninterest income to average assets | 0.5739% | 3,306 |
| Noninterest expense to average assets | 2.7671% | 4,558 |
| Loan and lease loss provision to assets | 0.2920% | 3,060 |
| Net operating income to assets | 0.9190% | 2,559 |
| Return on assets (ROA) | 0.9360% | 2,592 |
| Pretax return on assets | 1.3593% | 1,925 |
| Return on Equity (ROE) | 12.2065% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.2065% | 498 |
| Net charge-offs to loans | 0.2238% | 3,782 |
| Credit loss provision to net charge-offs | 265.3400% | 1,147 |
| Earnings coverage of net charge-offs (x) | 14.7794% | 1,457 |
| Efficiency ratio | 62.9445% | 5,413 |
| Assets per employee ($millions) | 5.6928% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,655 |
| Loan loss allowance to noncurrent loans | 128.4535% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,682 |
| Noncurrent loans to loans | 1.2532% | 4,565 |
| Net loans and leases to total assets | 48.7730% | 5,976 |
| Net loans and leases to deposits | 54.0057% | 6,303 |
| Net loans and leases to core deposits | 57.7315% | 6,290 |
| Total domestic deposits to total assets | 90.3108% | 807 |
| Equity capital to assets | 7.7056% | 6,854 |
| Core capital (leverage) ratio | 7.5632% | 6,703 |
| Tier 1 risk-based capital ratio | 11.5315% | 6,150 |
| Total risk-based capital ratio | 12.7817% | 6,135 |
| Memoranda: | ||
| Average total assets | $1,095,749,000 | 611 |
| Average earning assets | $1,040,403,670 | 579 |
| Average equity | $84,021,000 | 803 |
| Average total loans | $538,840,670 | 796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 4,688 |
| Cost of funding earning assets | 0.5910% | 6,644 |
| Net interest margin | 4.0713% | 2,381 |
| Noninterest income to average assets | 0.5546% | 3,474 |
| Noninterest expense to average assets | 2.8209% | 4,371 |
| Loan and lease loss provision to assets | 0.2670% | 3,005 |
| Net operating income to assets | 0.9169% | 2,485 |
| Return on assets (ROA) | 0.9169% | 2,541 |
| Pretax return on assets | 1.3288% | 1,947 |
| Return on Equity (ROE) | 11.9913% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.9913% | 740 |
| Net charge-offs to loans | 0.1418% | 3,654 |
| Credit loss provision to net charge-offs | 384.6154% | 860 |
| Earnings coverage of net charge-offs (x) | 22.9890% | 1,034 |
| Efficiency ratio | 63.8687% | 5,383 |
| Assets per employee ($millions) | 5.5541% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 3,258 |
| Loan loss allowance to noncurrent loans | 120.6504% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 5,548 |
| Noncurrent loans to loans | 1.4296% | 4,326 |
| Net loans and leases to total assets | 47.9188% | 6,087 |
| Net loans and leases to deposits | 53.0505% | 6,382 |
| Net loans and leases to core deposits | 56.4333% | 6,377 |
| Total domestic deposits to total assets | 90.3268% | 950 |
| Equity capital to assets | 7.5811% | 6,825 |
| Core capital (leverage) ratio | 7.6149% | 6,638 |
| Tier 1 risk-based capital ratio | 12.1205% | 5,578 |
| Total risk-based capital ratio | 13.3720% | 5,577 |
| Memoranda: | ||
| Average total assets | $1,048,730,500 | 646 |
| Average earning assets | $994,854,500 | 608 |
| Average equity | $80,191,500 | 828 |
| Average total loans | $513,367,000 | 852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 4,928 |
| Cost of funding earning assets | 0.6982% | 6,896 |
| Net interest margin | 4.2192% | 2,104 |
| Noninterest income to average assets | 0.6327% | 3,263 |
| Noninterest expense to average assets | 2.8732% | 4,340 |
| Loan and lease loss provision to assets | 0.3613% | 3,956 |
| Net operating income to assets | 0.9542% | 2,192 |
| Return on assets (ROA) | 1.0470% | 1,984 |
| Pretax return on assets | 1.5092% | 1,351 |
| Return on Equity (ROE) | 13.3841% | 1,004 |
| Retained earnings to average equity (ytd only) | 11.1408% | 363 |
| Net charge-offs to loans | 0.2223% | 4,956 |
| Credit loss provision to net charge-offs | 333.9695% | 766 |
| Earnings coverage of net charge-offs (x) | 16.0477% | 1,242 |
| Efficiency ratio | 62.3371% | 5,674 |
| Assets per employee ($millions) | 5.2323% | 1,820 |
| Cash dividends to net income (ytd only)* | 16.7603% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,266 |
| Loan loss allowance to noncurrent loans | 126.3494% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,694 |
| Noncurrent loans to loans | 1.3342% | 4,489 |
| Net loans and leases to total assets | 48.3229% | 6,358 |
| Net loans and leases to deposits | 53.8451% | 6,619 |
| Net loans and leases to core deposits | 57.2661% | 6,618 |
| Total domestic deposits to total assets | 89.7443% | 1,239 |
| Equity capital to assets | 7.7149% | 6,741 |
| Core capital (leverage) ratio | 7.6252% | 6,601 |
| Tier 1 risk-based capital ratio | 12.0474% | 5,428 |
| Total risk-based capital ratio | 13.2983% | 5,411 |
| Memoranda: | ||
| Average total assets | $968,809,600 | 688 |
| Average earning assets | $913,060,400 | 661 |
| Average equity | $75,784,200 | 872 |
| Average total loans | $471,348,800 | 955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 5,209 |
| Cost of funding earning assets | 0.7242% | 6,998 |
| Net interest margin | 4.1884% | 2,258 |
| Noninterest income to average assets | 0.6426% | 3,171 |
| Noninterest expense to average assets | 2.8809% | 4,164 |
| Loan and lease loss provision to assets | 0.3631% | 3,715 |
| Net operating income to assets | 0.9214% | 2,533 |
| Return on assets (ROA) | 1.0451% | 2,196 |
| Pretax return on assets | 1.5259% | 1,542 |
| Return on Equity (ROE) | 13.3115% | 1,183 |
| Retained earnings to average equity (ytd only) | 10.2874% | 731 |
| Net charge-offs to loans | 0.2455% | 4,467 |
| Credit loss provision to net charge-offs | 304.8066% | 1,046 |
| Earnings coverage of net charge-offs (x) | 14.3283% | 1,521 |
| Efficiency ratio | 62.7934% | 5,469 |
| Assets per employee ($millions) | 5.3555% | 1,760 |
| Cash dividends to net income (ytd only)* | 22.7182% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,432 |
| Loan loss allowance to noncurrent loans | 87.2955% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 5,368 |
| Noncurrent loans to loans | 1.8595% | 3,857 |
| Net loans and leases to total assets | 45.6874% | 6,727 |
| Net loans and leases to deposits | 50.7435% | 6,964 |
| Net loans and leases to core deposits | 54.5494% | 6,927 |
| Total domestic deposits to total assets | 90.0360% | 863 |
| Equity capital to assets | 7.6113% | 7,052 |
| Core capital (leverage) ratio | 7.4112% | 6,925 |
| Tier 1 risk-based capital ratio | 12.0233% | 5,439 |
| Total risk-based capital ratio | 13.2734% | 5,411 |
| Memoranda: | ||
| Average total assets | $954,631,000 | 702 |
| Average earning assets | $899,228,750 | 664 |
| Average equity | $74,950,750 | 879 |
| Average total loans | $463,171,000 | 981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 5,050 |
| Cost of funding earning assets | 0.7521% | 7,060 |
| Net interest margin | 4.2240% | 2,074 |
| Noninterest income to average assets | 0.6308% | 3,122 |
| Noninterest expense to average assets | 2.9258% | 3,978 |
| Loan and lease loss provision to assets | 0.4309% | 3,164 |
| Net operating income to assets | 0.8577% | 2,703 |
| Return on assets (ROA) | 1.0486% | 2,094 |
| Pretax return on assets | 1.5335% | 1,468 |
| Return on Equity (ROE) | 13.2057% | 1,192 |
| Retained earnings to average equity (ytd only) | 8.5931% | 1,232 |
| Net charge-offs to loans | 0.2684% | 3,998 |
| Credit loss provision to net charge-offs | 325.7329% | 1,127 |
| Earnings coverage of net charge-offs (x) | 12.7280% | 1,655 |
| Efficiency ratio | 63.4728% | 5,438 |
| Assets per employee ($millions) | 5.2712% | 1,843 |
| Cash dividends to net income (ytd only)* | 34.9291% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,514 |
| Loan loss allowance to noncurrent loans | 90.6994% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 5,426 |
| Noncurrent loans to loans | 1.7482% | 4,063 |
| Net loans and leases to total assets | 47.5550% | 6,656 |
| Net loans and leases to deposits | 53.2990% | 6,905 |
| Net loans and leases to core deposits | 57.7191% | 6,848 |
| Total domestic deposits to total assets | 89.2230% | 1,319 |
| Equity capital to assets | 7.8063% | 6,922 |
| Core capital (leverage) ratio | 7.6269% | 6,700 |
| Tier 1 risk-based capital ratio | 12.4363% | 4,917 |
| Total risk-based capital ratio | 13.6868% | 4,895 |
| Memoranda: | ||
| Average total assets | $928,306,000 | 718 |
| Average earning assets | $874,392,330 | 687 |
| Average equity | $73,710,670 | 894 |
| Average total loans | $457,554,670 | 1,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 4,672 |
| Cost of funding earning assets | 0.7636% | 7,193 |
| Net interest margin | 4.3073% | 1,669 |
| Noninterest income to average assets | 0.5774% | 3,435 |
| Noninterest expense to average assets | 2.9051% | 4,041 |
| Loan and lease loss provision to assets | 0.5730% | 2,207 |
| Net operating income to assets | 0.7767% | 3,076 |
| Return on assets (ROA) | 1.0437% | 2,084 |
| Pretax return on assets | 1.5347% | 1,434 |
| Return on Equity (ROE) | 13.0272% | 1,249 |
| Retained earnings to average equity (ytd only) | 13.0272% | 614 |
| Net charge-offs to loans | 0.2770% | 3,306 |
| Credit loss provision to net charge-offs | 415.3355% | 999 |
| Earnings coverage of net charge-offs (x) | 12.4313% | 1,568 |
| Efficiency ratio | 62.8792% | 5,682 |
| Assets per employee ($millions) | 5.1707% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,689 |
| Loan loss allowance to noncurrent loans | 120.0615% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 5,926 |
| Noncurrent loans to loans | 1.2845% | 4,832 |
| Net loans and leases to total assets | 48.7761% | 6,595 |
| Net loans and leases to deposits | 55.2164% | 6,830 |
| Net loans and leases to core deposits | 59.1639% | 6,805 |
| Total domestic deposits to total assets | 88.3361% | 1,888 |
| Equity capital to assets | 8.0259% | 6,625 |
| Core capital (leverage) ratio | 7.8438% | 6,443 |
| Tier 1 risk-based capital ratio | 12.6343% | 4,615 |
| Total risk-based capital ratio | 13.8843% | 4,584 |
| Memoranda: | ||
| Average total assets | $907,512,000 | 756 |
| Average earning assets | $851,772,000 | 722 |
| Average equity | $72,709,500 | 911 |
| Average total loans | $452,000,000 | 1,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 4,222 |
| Cost of funding earning assets | 0.9645% | 7,276 |
| Net interest margin | 4.5212% | 1,135 |
| Noninterest income to average assets | 0.6738% | 3,125 |
| Noninterest expense to average assets | 2.9517% | 4,335 |
| Loan and lease loss provision to assets | 0.4953% | 3,894 |
| Net operating income to assets | 1.0215% | 1,773 |
| Return on assets (ROA) | 1.0644% | 1,656 |
| Pretax return on assets | 1.5560% | 1,062 |
| Return on Equity (ROE) | 15.2911% | 630 |
| Retained earnings to average equity (ytd only) | 7.5752% | 810 |
| Net charge-offs to loans | 0.4667% | 3,911 |
| Credit loss provision to net charge-offs | 201.6521% | 1,929 |
| Earnings coverage of net charge-offs (x) | 8.0938% | 2,004 |
| Efficiency ratio | 59.7531% | 6,524 |
| Assets per employee ($millions) | 4.9980% | 2,216 |
| Cash dividends to net income (ytd only)* | 50.4597% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,485 |
| Loan loss allowance to noncurrent loans | 102.6142% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,814 |
| Noncurrent loans to loans | 1.3148% | 4,727 |
| Net loans and leases to total assets | 49.4049% | 6,696 |
| Net loans and leases to deposits | 55.1782% | 6,972 |
| Net loans and leases to core deposits | 60.7444% | 7,237 |
| Total domestic deposits to total assets | 89.5370% | 1,191 |
| Equity capital to assets | 7.9976% | 6,583 |
| Core capital (leverage) ratio | 7.9025% | 6,323 |
| Tier 1 risk-based capital ratio | 12.2960% | 4,688 |
| Total risk-based capital ratio | 13.3868% | 4,788 |
| Memoranda: | ||
| Average total assets | $837,815,800 | 809 |
| Average earning assets | $790,548,400 | 773 |
| Average equity | $58,321,600 | 1,133 |
| Average total loans | $440,965,800 | 1,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 4,003 |
| Cost of funding earning assets | 0.9898% | 7,413 |
| Net interest margin | 4.5848% | 1,011 |
| Noninterest income to average assets | 0.6702% | 3,217 |
| Noninterest expense to average assets | 3.0073% | 4,018 |
| Loan and lease loss provision to assets | 0.5180% | 3,312 |
| Net operating income to assets | 1.0053% | 2,036 |
| Return on assets (ROA) | 1.0636% | 1,908 |
| Pretax return on assets | 1.5727% | 1,240 |
| Return on Equity (ROE) | 15.9226% | 669 |
| Retained earnings to average equity (ytd only) | 5.0167% | 2,482 |
| Net charge-offs to loans | 0.5064% | 3,197 |
| Credit loss provision to net charge-offs | 191.8465% | 2,363 |
| Earnings coverage of net charge-offs (x) | 7.4257% | 2,408 |
| Efficiency ratio | 59.9974% | 6,417 |
| Assets per employee ($millions) | 4.9606% | 2,197 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 4,844 |
| Loan loss allowance to noncurrent loans | 92.1539% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 5,736 |
| Noncurrent loans to loans | 1.3548% | 4,665 |
| Net loans and leases to total assets | 50.8460% | 6,712 |
| Net loans and leases to deposits | 56.4469% | 7,059 |
| Net loans and leases to core deposits | 63.4753% | 7,267 |
| Total domestic deposits to total assets | 90.0776% | 737 |
| Equity capital to assets | 7.0174% | 7,589 |
| Core capital (leverage) ratio | 6.7726% | 7,554 |
| Tier 1 risk-based capital ratio | 10.4322% | 6,546 |
| Total risk-based capital ratio | 11.4629% | 6,709 |
| Memoranda: | ||
| Average total assets | $823,611,250 | 834 |
| Average earning assets | $780,043,750 | 803 |
| Average equity | $55,014,750 | 1,211 |
| Average total loans | $439,197,750 | 1,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 3,581 |
| Cost of funding earning assets | 1.0079% | 7,541 |
| Net interest margin | 4.6851% | 819 |
| Noninterest income to average assets | 0.6329% | 3,451 |
| Noninterest expense to average assets | 3.0772% | 3,786 |
| Loan and lease loss provision to assets | 0.5653% | 2,758 |
| Net operating income to assets | 0.9560% | 2,260 |
| Return on assets (ROA) | 1.0431% | 2,037 |
| Pretax return on assets | 1.5474% | 1,332 |
| Return on Equity (ROE) | 15.8966% | 711 |
| Retained earnings to average equity (ytd only) | -0.9589% | 5,469 |
| Net charge-offs to loans | 0.5602% | 2,647 |
| Credit loss provision to net charge-offs | 186.9919% | 2,455 |
| Earnings coverage of net charge-offs (x) | 6.5585% | 2,595 |
| Efficiency ratio | 60.8151% | 6,424 |
| Assets per employee ($millions) | 4.4487% | 2,841 |
| Cash dividends to net income (ytd only)* | 106.0320% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,423 |
| Loan loss allowance to noncurrent loans | 214.3833% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,733 |
| Noncurrent loans to loans | 0.5247% | 6,220 |
| Net loans and leases to total assets | 55.7586% | 6,235 |
| Net loans and leases to deposits | 62.5728% | 6,697 |
| Net loans and leases to core deposits | 71.1384% | 6,959 |
| Total domestic deposits to total assets | 89.1100% | 1,210 |
| Equity capital to assets | 6.8698% | 7,674 |
| Core capital (leverage) ratio | 6.3116% | 7,853 |
| Tier 1 risk-based capital ratio | 9.8186% | 7,114 |
| Total risk-based capital ratio | 10.7984% | 7,311 |
| Memoranda: | ||
| Average total assets | $813,739,000 | 863 |
| Average earning assets | $768,899,330 | 834 |
| Average equity | $53,395,000 | 1,264 |
| Average total loans | $439,158,000 | 1,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 3,947 |
| Cost of funding earning assets | 0.9977% | 7,675 |
| Net interest margin | 4.6711% | 814 |
| Noninterest income to average assets | 0.5719% | 3,741 |
| Noninterest expense to average assets | 2.9491% | 3,980 |
| Loan and lease loss provision to assets | 0.4365% | 2,742 |
| Net operating income to assets | 1.0744% | 2,048 |
| Return on assets (ROA) | 1.0744% | 2,184 |
| Pretax return on assets | 1.5919% | 1,427 |
| Return on Equity (ROE) | 16.7510% | 714 |
| Retained earnings to average equity (ytd only) | -17.2803% | 7,549 |
| Net charge-offs to loans | 0.2691% | 3,054 |
| Credit loss provision to net charge-offs | 307.1672% | 1,583 |
| Earnings coverage of net charge-offs (x) | 14.2730% | 1,679 |
| Efficiency ratio | 59.2477% | 6,517 |
| Assets per employee ($millions) | 5.0101% | 2,064 |
| Cash dividends to net income (ytd only)* | 203.1603% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 5,909 |
| Loan loss allowance to noncurrent loans | 149.4102% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,380 |
| Noncurrent loans to loans | 0.6917% | 5,677 |
| Net loans and leases to total assets | 53.8011% | 6,487 |
| Net loans and leases to deposits | 61.2171% | 6,795 |
| Net loans and leases to core deposits | 69.2177% | 7,068 |
| Total domestic deposits to total assets | 87.8857% | 1,800 |
| Equity capital to assets | 6.4777% | 7,878 |
| Core capital (leverage) ratio | 6.1310% | 7,981 |
| Tier 1 risk-based capital ratio | 9.3086% | 7,578 |
| Total risk-based capital ratio | 10.1935% | 7,863 |
| Memoranda: | ||
| Average total assets | $824,670,500 | 852 |
| Average earning assets | $777,796,500 | 823 |
| Average equity | $52,892,500 | 1,283 |
| Average total loans | $435,456,000 | 1,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 5,774 |
| Cost of funding earning assets | 1.4265% | 7,713 |
| Net interest margin | 4.5304% | 1,352 |
| Noninterest income to average assets | 0.8507% | 2,222 |
| Noninterest expense to average assets | 2.9473% | 4,267 |
| Loan and lease loss provision to assets | 0.2806% | 4,141 |
| Net operating income to assets | 1.2414% | 1,651 |
| Return on assets (ROA) | 1.2414% | 1,593 |
| Pretax return on assets | 1.8500% | 854 |
| Return on Equity (ROE) | 17.8540% | 538 |
| Retained earnings to average equity (ytd only) | 11.8011% | 240 |
| Net charge-offs to loans | 0.2495% | 3,779 |
| Credit loss provision to net charge-offs | 199.8002% | 2,445 |
| Earnings coverage of net charge-offs (x) | 15.1718% | 1,952 |
| Efficiency ratio | 58.0423% | 6,689 |
| Assets per employee ($millions) | 5.6987% | 1,321 |
| Cash dividends to net income (ytd only)* | 33.9021% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,566 |
| Loan loss allowance to noncurrent loans | 128.8462% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 6,137 |
| Noncurrent loans to loans | 0.7140% | 5,253 |
| Net loans and leases to total assets | 50.8210% | 6,950 |
| Net loans and leases to deposits | 64.1744% | 6,778 |
| Net loans and leases to core deposits | 72.7458% | 7,033 |
| Total domestic deposits to total assets | 79.1920% | 5,301 |
| Equity capital to assets | 6.3519% | 7,979 |
| Core capital (leverage) ratio | 6.5679% | 7,907 |
| Tier 1 risk-based capital ratio | 9.7761% | 6,978 |
| Total risk-based capital ratio | 10.5512% | 7,442 |
| Memoranda: | ||
| Average total assets | $712,823,200 | 934 |
| Average earning assets | $665,113,400 | 916 |
| Average equity | $49,563,200 | 1,372 |
| Average total loans | $401,172,800 | 1,208 |