Home > John Deere Financial, f.s.b. > Performance and Condition Ratios
John Deere Financial, f.s.b., 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 | 10.0426% | 74 |
| Cost of funding earning assets | 3.7111% | 56 |
| Net interest margin | 6.3315% | 88 |
| Noninterest income to average assets | 2.1600% | 247 |
| Noninterest expense to average assets | 2.7500% | 1,629 |
| Loan and lease loss provision to assets | 0.5500% | 157 |
| Net operating income to assets | 3.9460% | 102 |
| Return on assets (ROA) | 3.9460% | 104 |
| Pretax return on assets | 5.1389% | 88 |
| Return on Equity (ROE) | 21.4400% | 504 |
| Retained earnings to average equity (ytd only) | 12.6584% | 552 |
| Net charge-offs to loans | 0.5962% | 166 |
| Credit loss provision to net charge-offs | 93.2402% | 1,922 |
| Earnings coverage of net charge-offs (x) | 9.5811% | 2,283 |
| Efficiency ratio | 32.5714% | 4,478 |
| Assets per employee ($millions) | 30.6032% | 46 |
| Cash dividends to net income (ytd only)* | 40.9612% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 4,239 |
| Loan loss allowance to noncurrent loans | 211.5771% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 1,807 |
| Noncurrent loans to loans | 0.2854% | 2,159 |
| Net loans and leases to total assets | 98.9900% | 1 |
| Net loans and leases to deposits | 250.9397% | 5 |
| Net loans and leases to core deposits | 23,050.3462% | 7 |
| Total domestic deposits to total assets | 39.4500% | 4,484 |
| Equity capital to assets | 21.2990% | 259 |
| Core capital (leverage) ratio | 17.0459% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,712,120,200 | 342 |
| Average earning assets | $3,680,773,200 | 311 |
| Average equity | $683,184,600 | 217 |
| Average total loans | $3,699,794,200 | 254 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2469% | 81 |
| Cost of funding earning assets | 3.3171% | 84 |
| Net interest margin | 5.9298% | 115 |
| Noninterest income to average assets | 2.1500% | 266 |
| Noninterest expense to average assets | 2.7720% | 1,493 |
| Loan and lease loss provision to assets | 0.5600% | 135 |
| Net operating income to assets | 3.8062% | 117 |
| Return on assets (ROA) | 3.8062% | 117 |
| Pretax return on assets | 4.6974% | 102 |
| Return on Equity (ROE) | 21.4400% | 600 |
| Retained earnings to average equity (ytd only) | 9.5518% | 1,535 |
| Net charge-offs to loans | 0.7207% | 126 |
| Credit loss provision to net charge-offs | 78.3462% | 1,763 |
| Earnings coverage of net charge-offs (x) | 7.3222% | 2,241 |
| Efficiency ratio | 34.5111% | 4,468 |
| Assets per employee ($millions) | 39.4774% | 36 |
| Cash dividends to net income (ytd only)* | 55.4421% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3795% | 4,418 |
| Loan loss allowance to noncurrent loans | 203.9981% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 2,354 |
| Noncurrent loans to loans | 0.1860% | 2,619 |
| Net loans and leases to total assets | 99.4700% | 1 |
| Net loans and leases to deposits | 285.4940% | 5 |
| Net loans and leases to core deposits | 42,631.4280% | 1 |
| Total domestic deposits to total assets | 34.8400% | 4,522 |
| Equity capital to assets | 14.8361% | 547 |
| Core capital (leverage) ratio | 15.3311% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,790,911,000 | 340 |
| Average earning assets | $3,760,262,750 | 308 |
| Average equity | $673,101,250 | 219 |
| Average total loans | $3,778,931,000 | 252 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9584% | 79 |
| Cost of funding earning assets | 2.9644% | 92 |
| Net interest margin | 5.9940% | 109 |
| Noninterest income to average assets | 2.3000% | 215 |
| Noninterest expense to average assets | 2.9720% | 1,087 |
| Loan and lease loss provision to assets | 0.9300% | 74 |
| Net operating income to assets | 3.5890% | 111 |
| Return on assets (ROA) | 3.5890% | 113 |
| Pretax return on assets | 4.3373% | 99 |
| Return on Equity (ROE) | 18.8600% | 847 |
| Retained earnings to average equity (ytd only) | 18.8551% | 292 |
| Net charge-offs to loans | 1.0815% | 84 |
| Credit loss provision to net charge-offs | 85.8984% | 1,526 |
| Earnings coverage of net charge-offs (x) | 4.8849% | 2,199 |
| Efficiency ratio | 36.0906% | 4,473 |
| Assets per employee ($millions) | 35.8955% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4520% | 4,414 |
| Loan loss allowance to noncurrent loans | 223.0163% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,182 |
| Noncurrent loans to loans | 0.2027% | 2,454 |
| Net loans and leases to total assets | 99.2700% | 1 |
| Net loans and leases to deposits | 291.0252% | 4 |
| Net loans and leases to core deposits | 44,713.5717% | 1 |
| Total domestic deposits to total assets | 34.1100% | 4,545 |
| Equity capital to assets | 16.3901% | 412 |
| Core capital (leverage) ratio | 18.4095% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,514,929,333 | 347 |
| Average earning assets | $3,482,220,667 | 322 |
| Average equity | $669,048,667 | 216 |
| Average total loans | $3,501,278,000 | 258 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7757% | 43 |
| Cost of funding earning assets | 2.6563% | 73 |
| Net interest margin | 6.1194% | 89 |
| Noninterest income to average assets | 2.2000% | 211 |
| Noninterest expense to average assets | 3.6229% | 472 |
| Loan and lease loss provision to assets | -0.2700% | 4,640 |
| Net operating income to assets | 4.2029% | 94 |
| Return on assets (ROA) | 4.2029% | 92 |
| Pretax return on assets | 4.8981% | 95 |
| Return on Equity (ROE) | 20.1700% | 744 |
| Retained earnings to average equity (ytd only) | 20.1721% | 365 |
| Net charge-offs to loans | 0.4902% | 168 |
| Credit loss provision to net charge-offs | -54.9660% | 4,575 |
| Earnings coverage of net charge-offs (x) | 9.4893% | 1,689 |
| Efficiency ratio | 43.8986% | 4,306 |
| Assets per employee ($millions) | 26.5549% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 4,437 |
| Loan loss allowance to noncurrent loans | 127.4604% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,324 |
| Noncurrent loans to loans | 0.3927% | 1,754 |
| Net loans and leases to total assets | 98.9600% | 1 |
| Net loans and leases to deposits | 271.7467% | 5 |
| Net loans and leases to core deposits | 23,404.0188% | 2 |
| Total domestic deposits to total assets | 36.4200% | 4,598 |
| Equity capital to assets | 20.8517% | 213 |
| Core capital (leverage) ratio | 22.5568% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,136,613,500 | 386 |
| Average earning assets | $3,103,237,000 | 357 |
| Average equity | $653,516,500 | 224 |
| Average total loans | $3,122,196,500 | 291 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2548% | 41 |
| Cost of funding earning assets | 1.4678% | 28 |
| Net interest margin | 5.7870% | 63 |
| Noninterest income to average assets | 2.2900% | 212 |
| Noninterest expense to average assets | 2.8027% | 1,308 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 4.0666% | 77 |
| Return on assets (ROA) | 4.0666% | 74 |
| Pretax return on assets | 5.1869% | 71 |
| Return on Equity (ROE) | 21.0200% | 394 |
| Retained earnings to average equity (ytd only) | -5.6091% | 4,586 |
| Net charge-offs to loans | 0.0076% | 2,117 |
| Credit loss provision to net charge-offs | 538.6719% | 646 |
| Earnings coverage of net charge-offs (x) | 693.6406% | 258 |
| Efficiency ratio | 34.9019% | 4,614 |
| Assets per employee ($millions) | 24.8787% | 66 |
| Cash dividends to net income (ytd only)* | 126.6831% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 4,184 |
| Loan loss allowance to noncurrent loans | 284.8382% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 1,895 |
| Noncurrent loans to loans | 0.2525% | 2,259 |
| Net loans and leases to total assets | 98.9100% | 1 |
| Net loans and leases to deposits | 218.5091% | 6 |
| Net loans and leases to core deposits | 23,819.9732% | 1 |
| Total domestic deposits to total assets | 45.2700% | 4,615 |
| Equity capital to assets | 20.8177% | 206 |
| Core capital (leverage) ratio | 16.5644% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,396,916,000 | 354 |
| Average earning assets | $3,369,455,800 | 324 |
| Average equity | $657,147,800 | 221 |
| Average total loans | $3,387,989,800 | 257 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5528% | 52 |
| Cost of funding earning assets | 1.0879% | 41 |
| Net interest margin | 5.4649% | 78 |
| Noninterest income to average assets | 2.2600% | 231 |
| Noninterest expense to average assets | 2.7901% | 1,267 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 4.0524% | 77 |
| Return on assets (ROA) | 4.0524% | 74 |
| Pretax return on assets | 5.0324% | 74 |
| Return on Equity (ROE) | 21.3000% | 334 |
| Retained earnings to average equity (ytd only) | -13.9327% | 4,710 |
| Net charge-offs to loans | -0.0025% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.2975% | 4,642 |
| Assets per employee ($millions) | 33.3561% | 40 |
| Cash dividends to net income (ytd only)* | 165.4002% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4191% | 4,532 |
| Loan loss allowance to noncurrent loans | 226.3887% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,365 |
| Noncurrent loans to loans | 0.1851% | 2,658 |
| Net loans and leases to total assets | 99.5000% | 1 |
| Net loans and leases to deposits | 281.5444% | 4 |
| Net loans and leases to core deposits | 49,627.3604% | 1 |
| Total domestic deposits to total assets | 35.3400% | 4,671 |
| Equity capital to assets | 14.6199% | 490 |
| Core capital (leverage) ratio | 15.0487% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,481,124,250 | 349 |
| Average earning assets | $3,455,118,750 | 320 |
| Average equity | $662,175,250 | 223 |
| Average total loans | $3,472,805,250 | 252 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5206% | 46 |
| Cost of funding earning assets | 0.8246% | 88 |
| Net interest margin | 5.6960% | 62 |
| Noninterest income to average assets | 2.3889% | 194 |
| Noninterest expense to average assets | 2.9874% | 858 |
| Loan and lease loss provision to assets | -0.0201% | 4,429 |
| Net operating income to assets | 4.1381% | 42 |
| Return on assets (ROA) | 4.1381% | 39 |
| Pretax return on assets | 5.0690% | 38 |
| Return on Equity (ROE) | 19.8167% | 319 |
| Retained earnings to average equity (ytd only) | 8.0751% | 1,592 |
| Net charge-offs to loans | 0.1897% | 342 |
| Credit loss provision to net charge-offs | -10.6321% | 2,971 |
| Earnings coverage of net charge-offs (x) | 26.6995% | 1,440 |
| Efficiency ratio | 37.1735% | 4,667 |
| Assets per employee ($millions) | 30.5608% | 42 |
| Cash dividends to net income (ytd only)* | 59.2514% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 4,593 |
| Loan loss allowance to noncurrent loans | 253.8394% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,481 |
| Noncurrent loans to loans | 0.1755% | 2,817 |
| Net loans and leases to total assets | 99.3551% | 1 |
| Net loans and leases to deposits | 287.8587% | 2 |
| Net loans and leases to core deposits | 44,879.3649% | 1 |
| Total domestic deposits to total assets | 34.5152% | 4,742 |
| Equity capital to assets | 17.9307% | 230 |
| Core capital (leverage) ratio | 19.9247% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,262,781,333 | 361 |
| Average earning assets | $3,234,959,333 | 338 |
| Average equity | $681,333,000 | 216 |
| Average total loans | $3,252,767,667 | 261 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3100% | 51 |
| Cost of funding earning assets | 0.6843% | 164 |
| Net interest margin | 5.6257% | 64 |
| Noninterest income to average assets | 2.4135% | 192 |
| Noninterest expense to average assets | 3.3479% | 498 |
| Loan and lease loss provision to assets | -0.9554% | 4,781 |
| Net operating income to assets | 4.7368% | 42 |
| Return on assets (ROA) | 4.7368% | 40 |
| Pretax return on assets | 5.5909% | 40 |
| Return on Equity (ROE) | 20.7330% | 208 |
| Retained earnings to average equity (ytd only) | -3.1015% | 4,319 |
| Net charge-offs to loans | -0.1987% | 4,602 |
| Credit loss provision to net charge-offs | 482.6685% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9361% | 4,606 |
| Assets per employee ($millions) | 23.5834% | 73 |
| Cash dividends to net income (ytd only)* | 114.9590% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4953% | 4,593 |
| Loan loss allowance to noncurrent loans | 150.2120% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 1,802 |
| Noncurrent loans to loans | 0.3297% | 2,299 |
| Net loans and leases to total assets | 99.0773% | 1 |
| Net loans and leases to deposits | 270.8197% | 2 |
| Net loans and leases to core deposits | 28,489.6035% | 2 |
| Total domestic deposits to total assets | 36.5842% | 4,767 |
| Equity capital to assets | 21.6445% | 129 |
| Core capital (leverage) ratio | 24.0740% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,938,282,000 | 393 |
| Average earning assets | $2,909,162,500 | 371 |
| Average equity | $671,295,500 | 220 |
| Average total loans | $2,927,181,000 | 280 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4237% | 33 |
| Cost of funding earning assets | 1.0437% | 60 |
| Net interest margin | 6.3799% | 42 |
| Noninterest income to average assets | 2.3420% | 248 |
| Noninterest expense to average assets | 2.7754% | 1,427 |
| Loan and lease loss provision to assets | -0.5717% | 4,819 |
| Net operating income to assets | 4.9920% | 42 |
| Return on assets (ROA) | 4.9920% | 43 |
| Pretax return on assets | 6.4564% | 41 |
| Return on Equity (ROE) | 23.7879% | 150 |
| Retained earnings to average equity (ytd only) | -0.2413% | 4,520 |
| Net charge-offs to loans | -0.2800% | 4,744 |
| Credit loss provision to net charge-offs | 204.7286% | 1,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0483% | 4,780 |
| Assets per employee ($millions) | 20.9559% | 94 |
| Cash dividends to net income (ytd only)* | 101.0146% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,353 |
| Loan loss allowance to noncurrent loans | 291.6573% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 2,280 |
| Noncurrent loans to loans | 0.2567% | 2,692 |
| Net loans and leases to total assets | 98.9332% | 1 |
| Net loans and leases to deposits | 243.1934% | 1 |
| Net loans and leases to core deposits | 24,335.0278% | 3 |
| Total domestic deposits to total assets | 40.6809% | 4,804 |
| Equity capital to assets | 24.1789% | 104 |
| Core capital (leverage) ratio | 19.4100% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,172,955,000 | 359 |
| Average earning assets | $3,142,160,400 | 337 |
| Average equity | $665,855,400 | 226 |
| Average total loans | $3,164,152,400 | 258 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0153% | 41 |
| Cost of funding earning assets | 1.0307% | 77 |
| Net interest margin | 5.9847% | 57 |
| Noninterest income to average assets | 2.2959% | 274 |
| Noninterest expense to average assets | 2.7419% | 1,483 |
| Loan and lease loss provision to assets | -0.6358% | 4,897 |
| Net operating income to assets | 4.8547% | 52 |
| Return on assets (ROA) | 4.8547% | 50 |
| Pretax return on assets | 6.1176% | 50 |
| Return on Equity (ROE) | 23.9094% | 208 |
| Retained earnings to average equity (ytd only) | -8.2258% | 4,832 |
| Net charge-offs to loans | -0.1470% | 4,723 |
| Credit loss provision to net charge-offs | 433.8063% | 825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3411% | 4,841 |
| Assets per employee ($millions) | 27.0707% | 57 |
| Cash dividends to net income (ytd only)* | 134.4041% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 4,722 |
| Loan loss allowance to noncurrent loans | 281.3599% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,981 |
| Noncurrent loans to loans | 0.1710% | 3,261 |
| Net loans and leases to total assets | 99.3766% | 1 |
| Net loans and leases to deposits | 276.2054% | 2 |
| Net loans and leases to core deposits | 44,842.0314% | 1 |
| Total domestic deposits to total assets | 35.9792% | 4,880 |
| Equity capital to assets | 16.8636% | 346 |
| Core capital (leverage) ratio | 17.1989% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,269,410,000 | 352 |
| Average earning assets | $3,238,350,000 | 331 |
| Average equity | $663,844,750 | 226 |
| Average total loans | $3,260,639,750 | 256 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8917% | 48 |
| Cost of funding earning assets | 1.0474% | 88 |
| Net interest margin | 5.8444% | 69 |
| Noninterest income to average assets | 2.4703% | 251 |
| Noninterest expense to average assets | 2.9278% | 1,108 |
| Loan and lease loss provision to assets | -0.8155% | 4,938 |
| Net operating income to assets | 4.8965% | 55 |
| Return on assets (ROA) | 4.8965% | 55 |
| Pretax return on assets | 6.1391% | 54 |
| Return on Equity (ROE) | 22.5700% | 287 |
| Retained earnings to average equity (ytd only) | 4.7556% | 3,279 |
| Net charge-offs to loans | -0.0984% | 4,624 |
| Credit loss provision to net charge-offs | 831.8660% | 526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4824% | 4,847 |
| Assets per employee ($millions) | 24.3031% | 71 |
| Cash dividends to net income (ytd only)* | 78.9297% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 4,723 |
| Loan loss allowance to noncurrent loans | 323.7949% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 3,182 |
| Noncurrent loans to loans | 0.1620% | 3,403 |
| Net loans and leases to total assets | 99.2262% | 1 |
| Net loans and leases to deposits | 283.8943% | 5 |
| Net loans and leases to core deposits | 50,183.4637% | 1 |
| Total domestic deposits to total assets | 34.9518% | 4,920 |
| Equity capital to assets | 19.0967% | 222 |
| Core capital (leverage) ratio | 20.7740% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,104,935,667 | 363 |
| Average earning assets | $3,071,341,000 | 340 |
| Average equity | $673,610,000 | 221 |
| Average total loans | $3,095,033,000 | 261 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9458% | 51 |
| Cost of funding earning assets | 1.0596% | 102 |
| Net interest margin | 5.8862% | 72 |
| Noninterest income to average assets | 2.4988% | 264 |
| Noninterest expense to average assets | 3.2263% | 690 |
| Loan and lease loss provision to assets | -1.6456% | 4,971 |
| Net operating income to assets | 5.3812% | 55 |
| Return on assets (ROA) | 5.3812% | 55 |
| Pretax return on assets | 6.7290% | 52 |
| Return on Equity (ROE) | 23.0484% | 333 |
| Retained earnings to average equity (ytd only) | -13.0606% | 4,860 |
| Net charge-offs to loans | -0.5195% | 4,891 |
| Credit loss provision to net charge-offs | 317.9153% | 733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8259% | 4,783 |
| Assets per employee ($millions) | 19.4579% | 102 |
| Cash dividends to net income (ytd only)* | 156.6661% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,478 |
| Loan loss allowance to noncurrent loans | 226.4866% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 2,480 |
| Noncurrent loans to loans | 0.3333% | 2,902 |
| Net loans and leases to total assets | 98.6692% | 1 |
| Net loans and leases to deposits | 256.4259% | 6 |
| Net loans and leases to core deposits | 32,005.3433% | 2 |
| Total domestic deposits to total assets | 38.4786% | 4,939 |
| Equity capital to assets | 22.2522% | 121 |
| Core capital (leverage) ratio | 24.4010% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,846,825,500 | 392 |
| Average earning assets | $2,810,443,500 | 365 |
| Average equity | $664,654,000 | 221 |
| Average total loans | $2,836,510,500 | 283 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2655% | 25 |
| Cost of funding earning assets | 1.7732% | 23 |
| Net interest margin | 6.4923% | 32 |
| Noninterest income to average assets | 2.2361% | 290 |
| Noninterest expense to average assets | 2.6134% | 2,503 |
| Loan and lease loss provision to assets | 0.7615% | 178 |
| Net operating income to assets | 4.1239% | 57 |
| Return on assets (ROA) | 4.1239% | 57 |
| Pretax return on assets | 5.2775% | 51 |
| Return on Equity (ROE) | 21.2511% | 179 |
| Retained earnings to average equity (ytd only) | 5.4745% | 2,060 |
| Net charge-offs to loans | 0.6696% | 225 |
| Credit loss provision to net charge-offs | 113.7149% | 2,695 |
| Earnings coverage of net charge-offs (x) | 9.0177% | 2,549 |
| Efficiency ratio | 30.2043% | 4,957 |
| Assets per employee ($millions) | 17.8929% | 119 |
| Cash dividends to net income (ytd only)* | 74.2390% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,498 |
| Loan loss allowance to noncurrent loans | 619.0780% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 3,397 |
| Noncurrent loans to loans | 0.1766% | 3,577 |
| Net loans and leases to total assets | 98.7783% | 1 |
| Net loans and leases to deposits | 236.5440% | 9 |
| Net loans and leases to core deposits | 25,440.1626% | 5 |
| Total domestic deposits to total assets | 41.7590% | 4,958 |
| Equity capital to assets | 24.5147% | 104 |
| Core capital (leverage) ratio | 19.1371% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,266,312,600 | 324 |
| Average earning assets | $3,228,086,000 | 306 |
| Average equity | $633,849,000 | 222 |
| Average total loans | $3,266,750,200 | 248 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8336% | 29 |
| Cost of funding earning assets | 1.7907% | 31 |
| Net interest margin | 6.0429% | 43 |
| Noninterest income to average assets | 2.1963% | 290 |
| Noninterest expense to average assets | 2.4974% | 2,860 |
| Loan and lease loss provision to assets | 1.1661% | 96 |
| Net operating income to assets | 3.6125% | 63 |
| Return on assets (ROA) | 3.6125% | 66 |
| Pretax return on assets | 4.5057% | 57 |
| Return on Equity (ROE) | 19.6667% | 250 |
| Retained earnings to average equity (ytd only) | -1.7197% | 4,681 |
| Net charge-offs to loans | 1.0478% | 132 |
| Credit loss provision to net charge-offs | 111.2431% | 2,541 |
| Earnings coverage of net charge-offs (x) | 5.4109% | 2,733 |
| Efficiency ratio | 30.5715% | 4,988 |
| Assets per employee ($millions) | 24.7336% | 59 |
| Cash dividends to net income (ytd only)* | 108.7441% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,385 |
| Loan loss allowance to noncurrent loans | 716.8756% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 3,669 |
| Noncurrent loans to loans | 0.1486% | 3,789 |
| Net loans and leases to total assets | 99.2734% | 1 |
| Net loans and leases to deposits | 282.9405% | 8 |
| Net loans and leases to core deposits | 56,155.2030% | 2 |
| Total domestic deposits to total assets | 35.0863% | 4,999 |
| Equity capital to assets | 15.7134% | 505 |
| Core capital (leverage) ratio | 15.9522% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,394,014,000 | 311 |
| Average earning assets | $3,354,646,750 | 296 |
| Average equity | $623,435,000 | 222 |
| Average total loans | $3,395,456,750 | 244 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7268% | 35 |
| Cost of funding earning assets | 1.9088% | 29 |
| Net interest margin | 5.8180% | 74 |
| Noninterest income to average assets | 2.3035% | 248 |
| Noninterest expense to average assets | 2.6002% | 2,666 |
| Loan and lease loss provision to assets | 2.1331% | 50 |
| Net operating income to assets | 2.7173% | 108 |
| Return on assets (ROA) | 2.7173% | 112 |
| Pretax return on assets | 3.3103% | 86 |
| Return on Equity (ROE) | 13.9626% | 897 |
| Retained earnings to average equity (ytd only) | -0.4612% | 4,397 |
| Net charge-offs to loans | 1.9475% | 65 |
| Credit loss provision to net charge-offs | 109.6166% | 2,338 |
| Earnings coverage of net charge-offs (x) | 2.7973% | 2,734 |
| Efficiency ratio | 32.3262% | 5,004 |
| Assets per employee ($millions) | 22.7058% | 66 |
| Cash dividends to net income (ytd only)* | 103.3034% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,015 |
| Loan loss allowance to noncurrent loans | 429.0640% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,276 |
| Noncurrent loans to loans | 0.2580% | 3,462 |
| Net loans and leases to total assets | 99.0868% | 1 |
| Net loans and leases to deposits | 299.4324% | 5 |
| Net loans and leases to core deposits | 55,551.8372% | 2 |
| Total domestic deposits to total assets | 33.0916% | 5,030 |
| Equity capital to assets | 16.4747% | 415 |
| Core capital (leverage) ratio | 18.1759% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,206,227,667 | 317 |
| Average earning assets | $3,163,323,000 | 305 |
| Average equity | $623,967,000 | 222 |
| Average total loans | $3,203,633,000 | 250 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0413% | 41 |
| Cost of funding earning assets | 1.9607% | 40 |
| Net interest margin | 6.0806% | 54 |
| Noninterest income to average assets | 2.3294% | 221 |
| Noninterest expense to average assets | 3.0820% | 1,684 |
| Loan and lease loss provision to assets | 0.4554% | 659 |
| Net operating income to assets | 3.9558% | 41 |
| Return on assets (ROA) | 3.9558% | 42 |
| Pretax return on assets | 4.7743% | 36 |
| Return on Equity (ROE) | 18.4646% | 237 |
| Retained earnings to average equity (ytd only) | -10.4869% | 4,782 |
| Net charge-offs to loans | 0.4566% | 316 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 11.4837% | 1,731 |
| Efficiency ratio | 37.0800% | 5,019 |
| Assets per employee ($millions) | 17.6897% | 88 |
| Cash dividends to net income (ytd only)* | 156.7944% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,028 |
| Loan loss allowance to noncurrent loans | 239.7097% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,338 |
| Noncurrent loans to loans | 0.5527% | 2,620 |
| Net loans and leases to total assets | 98.5225% | 1 |
| Net loans and leases to deposits | 293.8557% | 3 |
| Net loans and leases to core deposits | 37,090.9678% | 2 |
| Total domestic deposits to total assets | 33.5275% | 5,081 |
| Equity capital to assets | 20.6463% | 218 |
| Core capital (leverage) ratio | 22.5910% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,902,051,000 | 331 |
| Average earning assets | $2,855,111,000 | 313 |
| Average equity | $621,730,000 | 225 |
| Average total loans | $2,894,421,000 | 263 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0705% | 33 |
| Cost of funding earning assets | 2.5662% | 5 |
| Net interest margin | 6.5043% | 48 |
| Noninterest income to average assets | 2.2399% | 226 |
| Noninterest expense to average assets | 2.7257% | 2,818 |
| Loan and lease loss provision to assets | 0.8946% | 111 |
| Net operating income to assets | 3.9707% | 55 |
| Return on assets (ROA) | 3.9707% | 58 |
| Pretax return on assets | 5.0299% | 49 |
| Return on Equity (ROE) | 21.9779% | 139 |
| Retained earnings to average equity (ytd only) | 7.6080% | 1,112 |
| Net charge-offs to loans | 0.9879% | 163 |
| Credit loss provision to net charge-offs | 90.7086% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.0074% | 3,018 |
| Efficiency ratio | 31.5102% | 5,132 |
| Assets per employee ($millions) | 16.5628% | 103 |
| Cash dividends to net income (ytd only)* | 65.3836% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 1,551 |
| Loan loss allowance to noncurrent loans | 680.9285% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,648 |
| Noncurrent loans to loans | 0.2046% | 3,725 |
| Net loans and leases to total assets | 98.2357% | 1 |
| Net loans and leases to deposits | 249.3852% | 3 |
| Net loans and leases to core deposits | 27,416.8408% | 3 |
| Total domestic deposits to total assets | 39.3911% | 5,138 |
| Equity capital to assets | 22.2397% | 178 |
| Core capital (leverage) ratio | 17.4561% | 373 |
| Tier 1 risk-based capital ratio | 20.8692% | 1,186 |
| Total risk-based capital ratio | 22.1205% | 1,163 |
| Memoranda: | ||
| Average total assets | $3,274,019,000 | 301 |
| Average earning assets | $3,226,680,600 | 283 |
| Average equity | $591,512,000 | 221 |
| Average total loans | $3,268,390,600 | 237 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5974% | 38 |
| Cost of funding earning assets | 2.4811% | 9 |
| Net interest margin | 6.1162% | 60 |
| Noninterest income to average assets | 2.1966% | 230 |
| Noninterest expense to average assets | 2.6061% | 3,154 |
| Loan and lease loss provision to assets | 1.3848% | 62 |
| Net operating income to assets | 3.4303% | 64 |
| Return on assets (ROA) | 3.4303% | 65 |
| Pretax return on assets | 4.2376% | 57 |
| Return on Equity (ROE) | 19.9509% | 246 |
| Retained earnings to average equity (ytd only) | 0.4757% | 4,671 |
| Net charge-offs to loans | 1.3866% | 98 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 4.0602% | 3,048 |
| Efficiency ratio | 31.6714% | 5,204 |
| Assets per employee ($millions) | 22.2865% | 50 |
| Cash dividends to net income (ytd only)* | 97.6159% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,138 |
| Loan loss allowance to noncurrent loans | 610.1817% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,865 |
| Noncurrent loans to loans | 0.1767% | 3,901 |
| Net loans and leases to total assets | 98.9825% | 1 |
| Net loans and leases to deposits | 307.4144% | 4 |
| Net loans and leases to core deposits | 52,051.4546% | 2 |
| Total domestic deposits to total assets | 32.1984% | 5,223 |
| Equity capital to assets | 14.9641% | 855 |
| Core capital (leverage) ratio | 15.3526% | 668 |
| Tier 1 risk-based capital ratio | 14.5491% | 3,046 |
| Total risk-based capital ratio | 15.6375% | 3,044 |
| Memoranda: | ||
| Average total assets | $3,384,466,000 | 298 |
| Average earning assets | $3,337,785,500 | 282 |
| Average equity | $581,920,000 | 227 |
| Average total loans | $3,380,095,500 | 238 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2183% | 43 |
| Cost of funding earning assets | 2.3675% | 12 |
| Net interest margin | 5.8508% | 74 |
| Noninterest income to average assets | 2.2878% | 217 |
| Noninterest expense to average assets | 2.8723% | 2,349 |
| Loan and lease loss provision to assets | 2.2010% | 34 |
| Net operating income to assets | 2.4850% | 157 |
| Return on assets (ROA) | 2.4850% | 161 |
| Pretax return on assets | 2.9760% | 125 |
| Return on Equity (ROE) | 13.7267% | 1,049 |
| Retained earnings to average equity (ytd only) | -0.0607% | 4,694 |
| Net charge-offs to loans | 2.2055% | 45 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.3521% | 2,950 |
| Efficiency ratio | 35.6838% | 5,225 |
| Assets per employee ($millions) | 21.0776% | 51 |
| Cash dividends to net income (ytd only)* | 100.4419% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,844 |
| Loan loss allowance to noncurrent loans | 427.8491% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 3,495 |
| Noncurrent loans to loans | 0.2666% | 3,577 |
| Net loans and leases to total assets | 98.8667% | 1 |
| Net loans and leases to deposits | 311.8001% | 4 |
| Net loans and leases to core deposits | 63,552.4866% | 2 |
| Total domestic deposits to total assets | 31.7083% | 5,271 |
| Equity capital to assets | 15.7616% | 659 |
| Core capital (leverage) ratio | 17.5100% | 380 |
| Tier 1 risk-based capital ratio | 15.2142% | 2,743 |
| Total risk-based capital ratio | 16.3567% | 2,714 |
| Memoranda: | ||
| Average total assets | $3,205,144,670 | 307 |
| Average earning assets | $3,156,208,000 | 290 |
| Average equity | $580,241,670 | 227 |
| Average total loans | $3,198,518,000 | 246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1731% | 45 |
| Cost of funding earning assets | 2.2964% | 14 |
| Net interest margin | 5.8766% | 77 |
| Noninterest income to average assets | 2.1307% | 225 |
| Noninterest expense to average assets | 3.1346% | 1,644 |
| Loan and lease loss provision to assets | 0.6387% | 158 |
| Net operating income to assets | 3.5581% | 66 |
| Return on assets (ROA) | 3.5581% | 69 |
| Pretax return on assets | 4.1298% | 72 |
| Return on Equity (ROE) | 18.1775% | 382 |
| Retained earnings to average equity (ytd only) | -9.5036% | 5,089 |
| Net charge-offs to loans | 0.6409% | 234 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 7.4660% | 2,134 |
| Efficiency ratio | 39.6627% | 5,214 |
| Assets per employee ($millions) | 16.2241% | 85 |
| Cash dividends to net income (ytd only)* | 152.2823% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,468 |
| Loan loss allowance to noncurrent loans | 169.8446% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 1,655 |
| Noncurrent loans to loans | 0.8610% | 1,918 |
| Net loans and leases to total assets | 98.1749% | 1 |
| Net loans and leases to deposits | 311.9956% | 4 |
| Net loans and leases to core deposits | 38,896.4393% | 2 |
| Total domestic deposits to total assets | 31.4668% | 5,331 |
| Equity capital to assets | 19.6668% | 254 |
| Core capital (leverage) ratio | 20.5503% | 222 |
| Tier 1 risk-based capital ratio | 18.9715% | 1,546 |
| Total risk-based capital ratio | 20.2240% | 1,516 |
| Memoranda: | ||
| Average total assets | $2,952,888,500 | 327 |
| Average earning assets | $2,900,505,000 | 309 |
| Average equity | $578,011,500 | 229 |
| Average total loans | $2,942,815,000 | 260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6062% | 35 |
| Cost of funding earning assets | 2.1681% | 8 |
| Net interest margin | 6.4381% | 54 |
| Noninterest income to average assets | 2.2258% | 231 |
| Noninterest expense to average assets | 2.8131% | 2,646 |
| Loan and lease loss provision to assets | 1.1528% | 66 |
| Net operating income to assets | 3.4626% | 61 |
| Return on assets (ROA) | 3.4626% | 61 |
| Pretax return on assets | 4.6050% | 51 |
| Return on Equity (ROE) | 19.9146% | 256 |
| Retained earnings to average equity (ytd only) | 7.3799% | 1,510 |
| Net charge-offs to loans | 1.0733% | 134 |
| Credit loss provision to net charge-offs | 107.6179% | 2,380 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 3,198 |
| Efficiency ratio | 32.8209% | 5,349 |
| Assets per employee ($millions) | 16.6759% | 81 |
| Cash dividends to net income (ytd only)* | 62.9423% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,586 |
| Loan loss allowance to noncurrent loans | 672.7620% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,781 |
| Noncurrent loans to loans | 0.2102% | 3,825 |
| Net loans and leases to total assets | 98.2755% | 1 |
| Net loans and leases to deposits | 256.0356% | 4 |
| Net loans and leases to core deposits | 38,586.0170% | 3 |
| Total domestic deposits to total assets | 38.3835% | 5,367 |
| Equity capital to assets | 19.4851% | 251 |
| Core capital (leverage) ratio | 16.1921% | 491 |
| Tier 1 risk-based capital ratio | 18.0598% | 1,741 |
| Total risk-based capital ratio | 19.3111% | 1,700 |
| Memoranda: | ||
| Average total assets | $3,211,811,400 | 307 |
| Average earning assets | $3,165,391,200 | 290 |
| Average equity | $558,449,800 | 225 |
| Average total loans | $3,205,604,400 | 241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5183% | 31 |
| Cost of funding earning assets | 1.9943% | 9 |
| Net interest margin | 6.5240% | 48 |
| Noninterest income to average assets | 2.2292% | 237 |
| Noninterest expense to average assets | 2.7893% | 2,672 |
| Loan and lease loss provision to assets | 1.3759% | 57 |
| Net operating income to assets | 3.5062% | 60 |
| Return on assets (ROA) | 3.5062% | 60 |
| Pretax return on assets | 4.4979% | 52 |
| Return on Equity (ROE) | 20.7407% | 229 |
| Retained earnings to average equity (ytd only) | 3.8280% | 3,866 |
| Net charge-offs to loans | 1.3782% | 92 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 4.2691% | 3,082 |
| Efficiency ratio | 32.1979% | 5,422 |
| Assets per employee ($millions) | 20.6675% | 50 |
| Cash dividends to net income (ytd only)* | 81.5433% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,469 |
| Loan loss allowance to noncurrent loans | 572.0525% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,022 |
| Noncurrent loans to loans | 0.1834% | 4,064 |
| Net loans and leases to total assets | 98.9971% | 1 |
| Net loans and leases to deposits | 317.3200% | 4 |
| Net loans and leases to core deposits | 58,058.8308% | 3 |
| Total domestic deposits to total assets | 31.1979% | 5,447 |
| Equity capital to assets | 14.7934% | 763 |
| Core capital (leverage) ratio | 15.1014% | 681 |
| Tier 1 risk-based capital ratio | 14.3060% | 3,208 |
| Total risk-based capital ratio | 15.3617% | 3,229 |
| Memoranda: | ||
| Average total assets | $3,264,348,250 | 304 |
| Average earning assets | $3,219,263,750 | 282 |
| Average equity | $551,842,750 | 226 |
| Average total loans | $3,258,952,750 | 236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3241% | 34 |
| Cost of funding earning assets | 1.8345% | 11 |
| Net interest margin | 6.4896% | 47 |
| Noninterest income to average assets | 2.3571% | 223 |
| Noninterest expense to average assets | 2.9266% | 2,268 |
| Loan and lease loss provision to assets | 1.7774% | 39 |
| Net operating income to assets | 3.1951% | 70 |
| Return on assets (ROA) | 3.1951% | 70 |
| Pretax return on assets | 4.0431% | 58 |
| Return on Equity (ROE) | 17.9840% | 419 |
| Retained earnings to average equity (ytd only) | 7.0608% | 2,049 |
| Net charge-offs to loans | 1.7819% | 62 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.2748% | 2,890 |
| Efficiency ratio | 33.4576% | 5,470 |
| Assets per employee ($millions) | 19.6319% | 50 |
| Cash dividends to net income (ytd only)* | 60.7386% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,227 |
| Loan loss allowance to noncurrent loans | 515.2408% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,922 |
| Noncurrent loans to loans | 0.2145% | 3,953 |
| Net loans and leases to total assets | 98.8574% | 1 |
| Net loans and leases to deposits | 118.2472% | 124 |
| Net loans and leases to core deposits | 59,750.9253% | 3 |
| Total domestic deposits to total assets | 83.6023% | 3,218 |
| Equity capital to assets | 15.6725% | 557 |
| Core capital (leverage) ratio | 17.2927% | 364 |
| Tier 1 risk-based capital ratio | 15.2521% | 2,755 |
| Total risk-based capital ratio | 16.3706% | 2,740 |
| Memoranda: | ||
| Average total assets | $3,091,749,330 | 309 |
| Average earning assets | $3,044,280,330 | 293 |
| Average equity | $549,287,330 | 225 |
| Average total loans | $3,083,969,330 | 247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1725% | 34 |
| Cost of funding earning assets | 1.6851% | 14 |
| Net interest margin | 6.4874% | 47 |
| Noninterest income to average assets | 2.2556% | 229 |
| Noninterest expense to average assets | 3.2346% | 1,489 |
| Loan and lease loss provision to assets | 0.6303% | 158 |
| Net operating income to assets | 3.8678% | 50 |
| Return on assets (ROA) | 3.8678% | 50 |
| Pretax return on assets | 4.7625% | 50 |
| Return on Equity (ROE) | 20.2610% | 232 |
| Retained earnings to average equity (ytd only) | -1.8628% | 4,997 |
| Net charge-offs to loans | 0.6327% | 238 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 8.5562% | 2,021 |
| Efficiency ratio | 37.4922% | 5,494 |
| Assets per employee ($millions) | 15.7889% | 78 |
| Cash dividends to net income (ytd only)* | 109.1941% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,803 |
| Loan loss allowance to noncurrent loans | 338.3835% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 3,170 |
| Noncurrent loans to loans | 0.4164% | 3,291 |
| Net loans and leases to total assets | 98.2559% | 1 |
| Net loans and leases to deposits | 318.5564% | 4 |
| Net loans and leases to core deposits | 38,445.6459% | 3 |
| Total domestic deposits to total assets | 30.8441% | 5,572 |
| Equity capital to assets | 19.1471% | 247 |
| Core capital (leverage) ratio | 20.1233% | 207 |
| Tier 1 risk-based capital ratio | 18.5510% | 1,674 |
| Total risk-based capital ratio | 19.8030% | 1,639 |
| Memoranda: | ||
| Average total assets | $2,841,302,500 | 329 |
| Average earning assets | $2,790,623,000 | 309 |
| Average equity | $542,402,500 | 226 |
| Average total loans | $2,830,312,000 | 260 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3452% | 33 |
| Cost of funding earning assets | 1.6085% | 13 |
| Net interest margin | 6.7366% | 46 |
| Noninterest income to average assets | 2.3383% | 237 |
| Noninterest expense to average assets | 2.9137% | 2,407 |
| Loan and lease loss provision to assets | 1.0925% | 88 |
| Net operating income to assets | 3.0495% | 69 |
| Return on assets (ROA) | 3.0495% | 69 |
| Pretax return on assets | 4.9535% | 48 |
| Return on Equity (ROE) | 17.6490% | 333 |
| Retained earnings to average equity (ytd only) | 9.8573% | 372 |
| Net charge-offs to loans | 1.0964% | 157 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 5.5341% | 3,310 |
| Efficiency ratio | 32.5203% | 5,618 |
| Assets per employee ($millions) | 15.0336% | 93 |
| Cash dividends to net income (ytd only)* | 44.1482% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,791 |
| Loan loss allowance to noncurrent loans | 1,097.8976% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 4,494 |
| Noncurrent loans to loans | 0.1271% | 4,418 |
| Net loans and leases to total assets | 98.1772% | 1 |
| Net loans and leases to deposits | 296.4087% | 3 |
| Net loans and leases to core deposits | 36,908.6207% | 3 |
| Total domestic deposits to total assets | 33.1222% | 5,636 |
| Equity capital to assets | 19.0333% | 250 |
| Core capital (leverage) ratio | 16.2192% | 446 |
| Tier 1 risk-based capital ratio | 18.3382% | 1,699 |
| Total risk-based capital ratio | 19.5900% | 1,655 |
| Memoranda: | ||
| Average total assets | $2,971,074,800 | 311 |
| Average earning assets | $2,920,273,000 | 289 |
| Average equity | $513,366,000 | 223 |
| Average total loans | $2,960,483,000 | 244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2024% | 37 |
| Cost of funding earning assets | 1.4752% | 23 |
| Net interest margin | 6.7272% | 44 |
| Noninterest income to average assets | 2.2987% | 248 |
| Noninterest expense to average assets | 2.8036% | 2,713 |
| Loan and lease loss provision to assets | 1.5209% | 56 |
| Net operating income to assets | 3.0328% | 77 |
| Return on assets (ROA) | 3.0328% | 76 |
| Pretax return on assets | 4.5880% | 60 |
| Return on Equity (ROE) | 17.9869% | 332 |
| Retained earnings to average equity (ytd only) | 7.4427% | 1,462 |
| Net charge-offs to loans | 1.5261% | 101 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 4.0166% | 3,277 |
| Efficiency ratio | 31.4569% | 5,687 |
| Assets per employee ($millions) | 18.0341% | 60 |
| Cash dividends to net income (ytd only)* | 58.6218% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,244 |
| Loan loss allowance to noncurrent loans | 772.9114% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,527 |
| Noncurrent loans to loans | 0.1477% | 4,463 |
| Net loans and leases to total assets | 98.7510% | 1 |
| Net loans and leases to deposits | 311.6912% | 4 |
| Net loans and leases to core deposits | 55,196.7721% | 3 |
| Total domestic deposits to total assets | 31.6823% | 5,705 |
| Equity capital to assets | 14.9773% | 733 |
| Core capital (leverage) ratio | 15.3209% | 605 |
| Tier 1 risk-based capital ratio | 14.4216% | 3,227 |
| Total risk-based capital ratio | 15.5611% | 3,198 |
| Memoranda: | ||
| Average total assets | $2,999,747,500 | 308 |
| Average earning assets | $2,949,262,000 | 286 |
| Average equity | $505,791,250 | 228 |
| Average total loans | $2,989,602,250 | 244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9734% | 41 |
| Cost of funding earning assets | 1.3922% | 26 |
| Net interest margin | 6.5812% | 50 |
| Noninterest income to average assets | 2.5024% | 224 |
| Noninterest expense to average assets | 2.8245% | 2,669 |
| Loan and lease loss provision to assets | 2.2215% | 37 |
| Net operating income to assets | 2.6346% | 108 |
| Return on assets (ROA) | 2.6346% | 108 |
| Pretax return on assets | 3.9152% | 75 |
| Return on Equity (ROE) | 14.9434% | 665 |
| Retained earnings to average equity (ytd only) | -1.0367% | 5,238 |
| Net charge-offs to loans | 2.0468% | 76 |
| Credit loss provision to net charge-offs | 109.0032% | 1,904 |
| Earnings coverage of net charge-offs (x) | 3.0112% | 3,092 |
| Efficiency ratio | 31.5190% | 5,736 |
| Assets per employee ($millions) | 16.9090% | 66 |
| Cash dividends to net income (ytd only)* | 106.9376% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,517 |
| Loan loss allowance to noncurrent loans | 428.4238% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,941 |
| Noncurrent loans to loans | 0.2984% | 3,974 |
| Net loans and leases to total assets | 98.5371% | 1 |
| Net loans and leases to deposits | 308.1277% | 5 |
| Net loans and leases to core deposits | 61,052.3088% | 3 |
| Total domestic deposits to total assets | 31.9793% | 5,752 |
| Equity capital to assets | 14.7991% | 741 |
| Core capital (leverage) ratio | 15.5880% | 532 |
| Tier 1 risk-based capital ratio | 14.1485% | 3,343 |
| Total risk-based capital ratio | 15.3986% | 3,258 |
| Memoranda: | ||
| Average total assets | $2,839,472,000 | 325 |
| Average earning assets | $2,786,648,330 | 304 |
| Average equity | $500,623,330 | 230 |
| Average total loans | $2,827,205,670 | 252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9398% | 42 |
| Cost of funding earning assets | 1.3000% | 34 |
| Net interest margin | 6.6398% | 46 |
| Noninterest income to average assets | 2.4110% | 246 |
| Noninterest expense to average assets | 2.8117% | 2,749 |
| Loan and lease loss provision to assets | 0.4436% | 241 |
| Net operating income to assets | 3.8864% | 58 |
| Return on assets (ROA) | 3.8864% | 58 |
| Pretax return on assets | 5.6551% | 46 |
| Return on Equity (ROE) | 19.9975% | 229 |
| Retained earnings to average equity (ytd only) | 19.9975% | 106 |
| Net charge-offs to loans | 0.4463% | 412 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 13.7471% | 1,765 |
| Efficiency ratio | 31.5552% | 5,796 |
| Assets per employee ($millions) | 13.5943% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,701 |
| Loan loss allowance to noncurrent loans | 242.7907% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 2,800 |
| Noncurrent loans to loans | 0.6167% | 2,973 |
| Net loans and leases to total assets | 97.9923% | 1 |
| Net loans and leases to deposits | 324.7082% | 6 |
| Net loans and leases to core deposits | 39,548.3944% | 5 |
| Total domestic deposits to total assets | 30.1786% | 5,821 |
| Equity capital to assets | 19.4538% | 225 |
| Core capital (leverage) ratio | 20.7945% | 175 |
| Tier 1 risk-based capital ratio | 18.7611% | 1,677 |
| Total risk-based capital ratio | 20.0141% | 1,631 |
| Memoranda: | ||
| Average total assets | $2,602,122,000 | 344 |
| Average earning assets | $2,547,128,500 | 327 |
| Average equity | $505,702,000 | 226 |
| Average total loans | $2,586,817,500 | 272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4179% | 35 |
| Cost of funding earning assets | 1.2592% | 40 |
| Net interest margin | 7.1587% | 40 |
| Noninterest income to average assets | 2.6827% | 237 |
| Noninterest expense to average assets | 3.3612% | 1,439 |
| Loan and lease loss provision to assets | 1.3032% | 75 |
| Net operating income to assets | 3.2622% | 71 |
| Return on assets (ROA) | 3.2622% | 70 |
| Pretax return on assets | 5.0502% | 48 |
| Return on Equity (ROE) | 17.1905% | 388 |
| Retained earnings to average equity (ytd only) | -3.4060% | 5,606 |
| Net charge-offs to loans | 1.3061% | 123 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 4.8752% | 3,431 |
| Efficiency ratio | 34.5995% | 5,839 |
| Assets per employee ($millions) | 12.0941% | 166 |
| Cash dividends to net income (ytd only)* | 119.8136% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 1,436 |
| Loan loss allowance to noncurrent loans | 1,141.4725% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,760 |
| Noncurrent loans to loans | 0.1378% | 4,677 |
| Net loans and leases to total assets | 97.7757% | 1 |
| Net loans and leases to deposits | 293.2557% | 5 |
| Net loans and leases to core deposits | 29,940.5836% | 4 |
| Total domestic deposits to total assets | 33.3415% | 5,877 |
| Equity capital to assets | 19.4137% | 226 |
| Core capital (leverage) ratio | 16.7583% | 375 |
| Tier 1 risk-based capital ratio | 16.9061% | 2,185 |
| Total risk-based capital ratio | 18.1581% | 2,136 |
| Memoranda: | ||
| Average total assets | $2,558,507,000 | 338 |
| Average earning assets | $2,513,222,600 | 314 |
| Average equity | $485,519,200 | 224 |
| Average total loans | $2,552,911,600 | 259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2607% | 38 |
| Cost of funding earning assets | 1.1199% | 81 |
| Net interest margin | 7.1408% | 40 |
| Noninterest income to average assets | 2.5913% | 249 |
| Noninterest expense to average assets | 3.6039% | 990 |
| Loan and lease loss provision to assets | 1.8724% | 44 |
| Net operating income to assets | 2.7651% | 108 |
| Return on assets (ROA) | 2.7651% | 112 |
| Pretax return on assets | 4.1375% | 65 |
| Return on Equity (ROE) | 14.6545% | 711 |
| Retained earnings to average equity (ytd only) | -12.9139% | 5,873 |
| Net charge-offs to loans | 1.8744% | 66 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 3.2098% | 3,454 |
| Efficiency ratio | 37.4867% | 5,871 |
| Assets per employee ($millions) | 14.3008% | 95 |
| Cash dividends to net income (ytd only)* | 188.1220% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,601 |
| Loan loss allowance to noncurrent loans | 1,138.8522% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,962 |
| Noncurrent loans to loans | 0.1155% | 4,875 |
| Net loans and leases to total assets | 98.6987% | 1 |
| Net loans and leases to deposits | 312.4351% | 7 |
| Net loans and leases to core deposits | 52,030.1537% | 3 |
| Total domestic deposits to total assets | 31.5901% | 5,949 |
| Equity capital to assets | 15.3358% | 665 |
| Core capital (leverage) ratio | 15.7397% | 519 |
| Tier 1 risk-based capital ratio | 13.6662% | 3,763 |
| Total risk-based capital ratio | 14.8826% | 3,692 |
| Memoranda: | ||
| Average total assets | $2,563,193,000 | 337 |
| Average earning assets | $2,520,710,250 | 313 |
| Average equity | $483,633,750 | 226 |
| Average total loans | $2,560,399,250 | 256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0018% | 39 |
| Cost of funding earning assets | 1.0347% | 136 |
| Net interest margin | 6.9671% | 41 |
| Noninterest income to average assets | 2.7901% | 221 |
| Noninterest expense to average assets | 3.7202% | 852 |
| Loan and lease loss provision to assets | 2.6849% | 27 |
| Net operating income to assets | 2.2235% | 220 |
| Return on assets (ROA) | 2.2235% | 234 |
| Pretax return on assets | 3.2263% | 108 |
| Return on Equity (ROE) | 10.9308% | 1,673 |
| Retained earnings to average equity (ytd only) | -9.4526% | 5,872 |
| Net charge-offs to loans | 2.6892% | 54 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 2.2016% | 3,313 |
| Efficiency ratio | 38.6257% | 5,933 |
| Assets per employee ($millions) | 13.4169% | 113 |
| Cash dividends to net income (ytd only)* | 186.4767% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,345 |
| Loan loss allowance to noncurrent loans | 602.1696% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 4,567 |
| Noncurrent loans to loans | 0.2307% | 4,518 |
| Net loans and leases to total assets | 98.5689% | 1 |
| Net loans and leases to deposits | 317.8451% | 6 |
| Net loans and leases to core deposits | 48,981.1337% | 2 |
| Total domestic deposits to total assets | 31.0116% | 6,028 |
| Equity capital to assets | 17.0205% | 431 |
| Core capital (leverage) ratio | 18.5748% | 252 |
| Tier 1 risk-based capital ratio | 16.0279% | 2,630 |
| Total risk-based capital ratio | 17.2792% | 2,567 |
| Memoranda: | ||
| Average total assets | $2,411,766,330 | 347 |
| Average earning assets | $2,368,211,670 | 331 |
| Average equity | $490,593,330 | 226 |
| Average total loans | $2,407,900,670 | 269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8352% | 41 |
| Cost of funding earning assets | 0.9596% | 214 |
| Net interest margin | 6.8756% | 42 |
| Noninterest income to average assets | 2.6936% | 231 |
| Noninterest expense to average assets | 3.9341% | 661 |
| Loan and lease loss provision to assets | 1.4017% | 64 |
| Net operating income to assets | 2.9557% | 102 |
| Return on assets (ROA) | 2.9557% | 101 |
| Pretax return on assets | 4.0924% | 74 |
| Return on Equity (ROE) | 13.1305% | 1,006 |
| Retained earnings to average equity (ytd only) | -27.4634% | 6,014 |
| Net charge-offs to loans | 1.4050% | 134 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 3.9196% | 2,484 |
| Efficiency ratio | 41.7271% | 5,929 |
| Assets per employee ($millions) | 10.9330% | 210 |
| Cash dividends to net income (ytd only)* | 309.1572% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,320 |
| Loan loss allowance to noncurrent loans | 412.8680% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 3,933 |
| Noncurrent loans to loans | 0.4158% | 3,947 |
| Net loans and leases to total assets | 98.0302% | 1 |
| Net loans and leases to deposits | 307.7338% | 5 |
| Net loans and leases to core deposits | 28,970.1772% | 3 |
| Total domestic deposits to total assets | 31.8555% | 6,090 |
| Equity capital to assets | 20.5270% | 194 |
| Core capital (leverage) ratio | 22.4749% | 128 |
| Tier 1 risk-based capital ratio | 19.7255% | 1,564 |
| Total risk-based capital ratio | 20.9812% | 1,527 |
| Memoranda: | ||
| Average total assets | $2,188,748,500 | 374 |
| Average earning assets | $2,143,865,000 | 352 |
| Average equity | $492,684,500 | 223 |
| Average total loans | $2,183,554,000 | 282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4197% | 33 |
| Cost of funding earning assets | 0.7732% | 567 |
| Net interest margin | 7.6465% | 35 |
| Noninterest income to average assets | 2.9865% | 206 |
| Noninterest expense to average assets | 4.1883% | 548 |
| Loan and lease loss provision to assets | 0.9657% | 93 |
| Net operating income to assets | 3.4413% | 69 |
| Return on assets (ROA) | 3.4413% | 71 |
| Pretax return on assets | 5.3379% | 48 |
| Return on Equity (ROE) | 15.0760% | 674 |
| Retained earnings to average equity (ytd only) | -4.5611% | 5,896 |
| Net charge-offs to loans | 0.9750% | 210 |
| Credit loss provision to net charge-offs | 99.1030% | 2,572 |
| Earnings coverage of net charge-offs (x) | 6.4689% | 3,221 |
| Efficiency ratio | 39.9190% | 6,066 |
| Assets per employee ($millions) | 9.8551% | 287 |
| Cash dividends to net income (ytd only)* | 130.2541% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 906 |
| Loan loss allowance to noncurrent loans | 886.5088% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,729 |
| Noncurrent loans to loans | 0.2178% | 4,641 |
| Net loans and leases to total assets | 97.8584% | 1 |
| Net loans and leases to deposits | 272.6468% | 5 |
| Net loans and leases to core deposits | 20,628.3799% | 6 |
| Total domestic deposits to total assets | 35.8920% | 6,142 |
| Equity capital to assets | 24.7412% | 98 |
| Core capital (leverage) ratio | 20.5708% | 174 |
| Tier 1 risk-based capital ratio | 22.7153% | 1,050 |
| Total risk-based capital ratio | 23.9725% | 1,036 |
| Memoranda: | ||
| Average total assets | $2,230,906,400 | 352 |
| Average earning assets | $2,189,757,800 | 329 |
| Average equity | $509,240,000 | 205 |
| Average total loans | $2,229,553,200 | 263 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2204% | 38 |
| Cost of funding earning assets | 0.7212% | 750 |
| Net interest margin | 7.4992% | 37 |
| Noninterest income to average assets | 2.9937% | 209 |
| Noninterest expense to average assets | 4.0534% | 628 |
| Loan and lease loss provision to assets | 1.2401% | 49 |
| Net operating income to assets | 3.3475% | 72 |
| Return on assets (ROA) | 3.3475% | 71 |
| Pretax return on assets | 5.0662% | 54 |
| Return on Equity (ROE) | 14.9490% | 732 |
| Retained earnings to average equity (ytd only) | -11.2378% | 6,143 |
| Net charge-offs to loans | 1.2518% | 130 |
| Credit loss provision to net charge-offs | 99.0863% | 2,316 |
| Earnings coverage of net charge-offs (x) | 5.0390% | 3,258 |
| Efficiency ratio | 39.1269% | 6,143 |
| Assets per employee ($millions) | 12.3861% | 141 |
| Cash dividends to net income (ytd only)* | 175.1743% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 2,231 |
| Loan loss allowance to noncurrent loans | 1,269.6417% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 5,278 |
| Noncurrent loans to loans | 0.1167% | 5,163 |
| Net loans and leases to total assets | 98.6330% | 1 |
| Net loans and leases to deposits | 296.6749% | 7 |
| Net loans and leases to core deposits | 37,881.4528% | 4 |
| Total domestic deposits to total assets | 33.2461% | 6,234 |
| Equity capital to assets | 18.3118% | 317 |
| Core capital (leverage) ratio | 18.7711% | 257 |
| Tier 1 risk-based capital ratio | 16.2174% | 2,703 |
| Total risk-based capital ratio | 17.4688% | 2,662 |
| Memoranda: | ||
| Average total assets | $2,273,705,500 | 348 |
| Average earning assets | $2,233,297,500 | 326 |
| Average equity | $509,150,500 | 206 |
| Average total loans | $2,273,119,500 | 265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0113% | 39 |
| Cost of funding earning assets | 0.6983% | 849 |
| Net interest margin | 7.3129% | 41 |
| Noninterest income to average assets | 3.1987% | 200 |
| Noninterest expense to average assets | 4.1910% | 547 |
| Loan and lease loss provision to assets | 1.9465% | 26 |
| Net operating income to assets | 2.8483% | 105 |
| Return on assets (ROA) | 2.8483% | 108 |
| Pretax return on assets | 4.2316% | 76 |
| Return on Equity (ROE) | 11.8216% | 1,426 |
| Retained earnings to average equity (ytd only) | -7.5746% | 6,114 |
| Net charge-offs to loans | 1.9531% | 74 |
| Credit loss provision to net charge-offs | 99.7462% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.1659% | 3,232 |
| Efficiency ratio | 40.4182% | 6,199 |
| Assets per employee ($millions) | 11.7677% | 156 |
| Cash dividends to net income (ytd only)* | 164.0743% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 2,058 |
| Loan loss allowance to noncurrent loans | 780.5409% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 5,073 |
| Noncurrent loans to loans | 0.1997% | 4,974 |
| Net loans and leases to total assets | 98.5179% | 1 |
| Net loans and leases to deposits | 300.4658% | 8 |
| Net loans and leases to core deposits | 37,099.8820% | 4 |
| Total domestic deposits to total assets | 32.7884% | 6,307 |
| Equity capital to assets | 20.1011% | 220 |
| Core capital (leverage) ratio | 21.9406% | 134 |
| Tier 1 risk-based capital ratio | 18.5802% | 1,901 |
| Total risk-based capital ratio | 19.8333% | 1,859 |
| Memoranda: | ||
| Average total assets | $2,139,808,670 | 369 |
| Average earning assets | $2,098,122,670 | 342 |
| Average equity | $515,563,330 | 209 |
| Average total loans | $2,137,989,000 | 274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8892% | 39 |
| Cost of funding earning assets | 0.6479% | 1,130 |
| Net interest margin | 7.2414% | 41 |
| Noninterest income to average assets | 3.0565% | 215 |
| Noninterest expense to average assets | 4.4801% | 431 |
| Loan and lease loss provision to assets | 0.3872% | 311 |
| Net operating income to assets | 3.6713% | 69 |
| Return on assets (ROA) | 3.6713% | 72 |
| Pretax return on assets | 5.2673% | 55 |
| Return on Equity (ROE) | 13.7342% | 932 |
| Retained earnings to average equity (ytd only) | -24.9733% | 6,312 |
| Net charge-offs to loans | 0.3879% | 634 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 14.6040% | 1,664 |
| Efficiency ratio | 44.2060% | 6,171 |
| Assets per employee ($millions) | 9.3651% | 318 |
| Cash dividends to net income (ytd only)* | 281.8330% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 1,178 |
| Loan loss allowance to noncurrent loans | 624.0651% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 4,738 |
| Noncurrent loans to loans | 0.3129% | 4,669 |
| Net loans and leases to total assets | 97.6340% | 1 |
| Net loans and leases to deposits | 288.5791% | 11 |
| Net loans and leases to core deposits | 27,078.2421% | 4 |
| Total domestic deposits to total assets | 33.8327% | 6,379 |
| Equity capital to assets | 24.4064% | 101 |
| Core capital (leverage) ratio | 27.1264% | 77 |
| Tier 1 risk-based capital ratio | 23.7005% | 1,023 |
| Total risk-based capital ratio | 24.9592% | 1,011 |
| Memoranda: | ||
| Average total assets | $1,932,917,500 | 394 |
| Average earning assets | $1,889,312,500 | 373 |
| Average equity | $516,695,500 | 205 |
| Average total loans | $1,929,196,500 | 289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8656% | 32 |
| Cost of funding earning assets | 0.7529% | 836 |
| Net interest margin | 8.1127% | 32 |
| Noninterest income to average assets | 3.2134% | 177 |
| Noninterest expense to average assets | 4.2563% | 574 |
| Loan and lease loss provision to assets | 0.4527% | 366 |
| Net operating income to assets | 4.1715% | 53 |
| Return on assets (ROA) | 4.1715% | 53 |
| Pretax return on assets | 6.4616% | 42 |
| Return on Equity (ROE) | 16.2370% | 592 |
| Retained earnings to average equity (ytd only) | -2.0294% | 6,016 |
| Net charge-offs to loans | 0.4437% | 946 |
| Credit loss provision to net charge-offs | 102.0633% | 2,347 |
| Earnings coverage of net charge-offs (x) | 15.5895% | 2,072 |
| Efficiency ratio | 38.1027% | 6,422 |
| Assets per employee ($millions) | 8.2494% | 485 |
| Cash dividends to net income (ytd only)* | 112.4986% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 827 |
| Loan loss allowance to noncurrent loans | 1,220.4406% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 5,310 |
| Noncurrent loans to loans | 0.1799% | 5,186 |
| Net loans and leases to total assets | 97.8684% | 1 |
| Net loans and leases to deposits | 228.3134% | 10 |
| Net loans and leases to core deposits | 15,497.6791% | 7 |
| Total domestic deposits to total assets | 42.8658% | 6,458 |
| Equity capital to assets | 29.3588% | 67 |
| Core capital (leverage) ratio | 29.3588% | 66 |
| Tier 1 risk-based capital ratio | 29.1302% | 556 |
| Total risk-based capital ratio | 30.3927% | 542 |
| Memoranda: | ||
| Average total assets | $2,130,911,800 | 356 |
| Average earning assets | $2,090,043,800 | 325 |
| Average equity | $547,454,800 | 191 |
| Average total loans | $2,129,891,400 | 259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6782% | 35 |
| Cost of funding earning assets | 0.7229% | 1,032 |
| Net interest margin | 7.9553% | 36 |
| Noninterest income to average assets | 3.1623% | 179 |
| Noninterest expense to average assets | 4.0558% | 716 |
| Loan and lease loss provision to assets | 0.5970% | 223 |
| Net operating income to assets | 4.1929% | 58 |
| Return on assets (ROA) | 4.1929% | 58 |
| Pretax return on assets | 6.3157% | 45 |
| Return on Equity (ROE) | 16.8133% | 576 |
| Retained earnings to average equity (ytd only) | 4.7169% | 3,271 |
| Net charge-offs to loans | 0.5613% | 675 |
| Credit loss provision to net charge-offs | 106.4322% | 2,091 |
| Earnings coverage of net charge-offs (x) | 12.3240% | 2,332 |
| Efficiency ratio | 36.9772% | 6,498 |
| Assets per employee ($millions) | 11.2387% | 167 |
| Cash dividends to net income (ytd only)* | 71.9456% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 2,351 |
| Loan loss allowance to noncurrent loans | 1,386.8158% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,706 |
| Noncurrent loans to loans | 0.1143% | 5,587 |
| Net loans and leases to total assets | 98.4552% | 1 |
| Net loans and leases to deposits | 284.7797% | 9 |
| Net loans and leases to core deposits | 37,758.0553% | 3 |
| Total domestic deposits to total assets | 34.5724% | 6,547 |
| Equity capital to assets | 22.1828% | 156 |
| Core capital (leverage) ratio | 22.1828% | 138 |
| Tier 1 risk-based capital ratio | 21.9803% | 1,261 |
| Total risk-based capital ratio | 23.2350% | 1,245 |
| Memoranda: | ||
| Average total assets | $2,209,921,250 | 337 |
| Average earning assets | $2,168,507,500 | 313 |
| Average equity | $551,112,250 | 190 |
| Average total loans | $2,208,346,000 | 248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2211% | 41 |
| Cost of funding earning assets | 0.6901% | 1,240 |
| Net interest margin | 7.5311% | 40 |
| Noninterest income to average assets | 3.2378% | 179 |
| Noninterest expense to average assets | 4.1341% | 644 |
| Loan and lease loss provision to assets | 0.8690% | 133 |
| Net operating income to assets | 3.8027% | 65 |
| Return on assets (ROA) | 3.8027% | 66 |
| Pretax return on assets | 5.6146% | 52 |
| Return on Equity (ROE) | 14.5984% | 858 |
| Retained earnings to average equity (ytd only) | -3.6830% | 6,151 |
| Net charge-offs to loans | 0.8700% | 421 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 7.4611% | 2,626 |
| Efficiency ratio | 38.9358% | 6,542 |
| Assets per employee ($millions) | 10.8646% | 187 |
| Cash dividends to net income (ytd only)* | 125.2285% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 2,407 |
| Loan loss allowance to noncurrent loans | 986.7976% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 5,661 |
| Noncurrent loans to loans | 0.1637% | 5,520 |
| Net loans and leases to total assets | 98.4473% | 1 |
| Net loans and leases to deposits | 275.5641% | 9 |
| Net loans and leases to core deposits | 42,348.8087% | 3 |
| Total domestic deposits to total assets | 35.7257% | 6,612 |
| Equity capital to assets | 21.7424% | 155 |
| Core capital (leverage) ratio | 21.7424% | 138 |
| Tier 1 risk-based capital ratio | 21.5478% | 1,337 |
| Total risk-based capital ratio | 22.8029% | 1,313 |
| Memoranda: | ||
| Average total assets | $2,099,910,670 | 351 |
| Average earning assets | $2,057,771,330 | 324 |
| Average equity | $547,005,670 | 189 |
| Average total loans | $2,097,460,330 | 255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3081% | 35 |
| Cost of funding earning assets | 0.7020% | 1,233 |
| Net interest margin | 7.6061% | 38 |
| Noninterest income to average assets | 2.9254% | 194 |
| Noninterest expense to average assets | 4.4477% | 479 |
| Loan and lease loss provision to assets | 0.2967% | 655 |
| Net operating income to assets | 4.0132% | 66 |
| Return on assets (ROA) | 4.0132% | 67 |
| Pretax return on assets | 5.6124% | 53 |
| Return on Equity (ROE) | 13.9348% | 957 |
| Retained earnings to average equity (ytd only) | 13.9348% | 401 |
| Net charge-offs to loans | 0.2974% | 1,173 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 19.9130% | 1,353 |
| Efficiency ratio | 42.9444% | 6,525 |
| Assets per employee ($millions) | 8.6748% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 1,435 |
| Loan loss allowance to noncurrent loans | 542.8669% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,031 |
| Noncurrent loans to loans | 0.3762% | 4,997 |
| Net loans and leases to total assets | 97.5239% | 1 |
| Net loans and leases to deposits | 260.1757% | 9 |
| Net loans and leases to core deposits | 26,730.7962% | 5 |
| Total domestic deposits to total assets | 37.4838% | 6,680 |
| Equity capital to assets | 28.8560% | 71 |
| Core capital (leverage) ratio | 28.8560% | 70 |
| Tier 1 risk-based capital ratio | 28.6267% | 602 |
| Total risk-based capital ratio | 29.8871% | 587 |
| Memoranda: | ||
| Average total assets | $1,922,168,000 | 379 |
| Average earning assets | $1,878,022,000 | 353 |
| Average equity | $553,577,500 | 185 |
| Average total loans | $1,917,711,000 | 265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7511% | 33 |
| Cost of funding earning assets | 0.9090% | 702 |
| Net interest margin | 7.8420% | 35 |
| Noninterest income to average assets | 3.0890% | 222 |
| Noninterest expense to average assets | 4.2182% | 688 |
| Loan and lease loss provision to assets | 0.2450% | 1,476 |
| Net operating income to assets | 4.0719% | 64 |
| Return on assets (ROA) | 4.0719% | 63 |
| Pretax return on assets | 6.3241% | 44 |
| Return on Equity (ROE) | 16.5814% | 555 |
| Retained earnings to average equity (ytd only) | 7.1412% | 1,381 |
| Net charge-offs to loans | 0.2646% | 2,378 |
| Credit loss provision to net charge-offs | 92.5718% | 2,689 |
| Earnings coverage of net charge-offs (x) | 24.8218% | 1,350 |
| Efficiency ratio | 39.1032% | 6,705 |
| Assets per employee ($millions) | 8.3005% | 418 |
| Cash dividends to net income (ytd only)* | 56.9327% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,319.8869% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,841 |
| Noncurrent loans to loans | 0.1589% | 5,717 |
| Net loans and leases to total assets | 97.8884% | 1 |
| Net loans and leases to deposits | 239.1391% | 10 |
| Net loans and leases to core deposits | 22,669.4077% | 5 |
| Total domestic deposits to total assets | 40.9337% | 6,760 |
| Equity capital to assets | 28.7415% | 72 |
| Core capital (leverage) ratio | 28.7415% | 67 |
| Tier 1 risk-based capital ratio | 28.5592% | 577 |
| Total risk-based capital ratio | 29.8205% | 566 |
| Memoranda: | ||
| Average total assets | $2,156,805,200 | 331 |
| Average earning assets | $2,117,273,600 | 308 |
| Average equity | $529,648,400 | 190 |
| Average total loans | $2,157,047,400 | 241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5176% | 37 |
| Cost of funding earning assets | 0.8843% | 887 |
| Net interest margin | 7.6333% | 40 |
| Noninterest income to average assets | 3.0031% | 236 |
| Noninterest expense to average assets | 4.0159% | 841 |
| Loan and lease loss provision to assets | 0.3000% | 1,128 |
| Net operating income to assets | 4.1091% | 57 |
| Return on assets (ROA) | 4.1091% | 59 |
| Pretax return on assets | 6.1850% | 43 |
| Return on Equity (ROE) | 17.3626% | 504 |
| Retained earnings to average equity (ytd only) | 11.0265% | 572 |
| Net charge-offs to loans | 0.3254% | 1,914 |
| Credit loss provision to net charge-offs | 92.1858% | 2,580 |
| Earnings coverage of net charge-offs (x) | 19.9261% | 1,611 |
| Efficiency ratio | 38.2431% | 6,777 |
| Assets per employee ($millions) | 11.1039% | 168 |
| Cash dividends to net income (ytd only)* | 36.4926% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 3,167 |
| Loan loss allowance to noncurrent loans | 1,010.9272% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 5,976 |
| Noncurrent loans to loans | 0.1547% | 5,849 |
| Net loans and leases to total assets | 98.6746% | 1 |
| Net loans and leases to deposits | 282.2188% | 10 |
| Net loans and leases to core deposits | 44,035.3429% | 3 |
| Total domestic deposits to total assets | 34.9639% | 6,841 |
| Equity capital to assets | 21.7097% | 154 |
| Core capital (leverage) ratio | 21.7097% | 144 |
| Tier 1 risk-based capital ratio | 21.4948% | 1,401 |
| Total risk-based capital ratio | 22.7492% | 1,373 |
| Memoranda: | ||
| Average total assets | $2,222,880,000 | 325 |
| Average earning assets | $2,183,456,000 | 300 |
| Average equity | $526,076,750 | 187 |
| Average total loans | $2,223,251,000 | 232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2991% | 41 |
| Cost of funding earning assets | 0.9175% | 823 |
| Net interest margin | 7.3816% | 41 |
| Noninterest income to average assets | 3.1573% | 236 |
| Noninterest expense to average assets | 4.0867% | 784 |
| Loan and lease loss provision to assets | 0.3594% | 921 |
| Net operating income to assets | 4.0190% | 61 |
| Return on assets (ROA) | 4.0190% | 66 |
| Pretax return on assets | 5.9487% | 48 |
| Return on Equity (ROE) | 16.4406% | 613 |
| Retained earnings to average equity (ytd only) | 6.7924% | 1,988 |
| Net charge-offs to loans | 0.3997% | 1,614 |
| Credit loss provision to net charge-offs | 89.9858% | 2,440 |
| Earnings coverage of net charge-offs (x) | 15.7924% | 1,714 |
| Efficiency ratio | 39.3146% | 6,817 |
| Assets per employee ($millions) | 10.9117% | 176 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,208 |
| Loan loss allowance to noncurrent loans | 1,329.6147% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 6,124 |
| Noncurrent loans to loans | 0.1192% | 6,033 |
| Net loans and leases to total assets | 98.6027% | 1 |
| Net loans and leases to deposits | 293.0828% | 8 |
| Net loans and leases to core deposits | 47,647.6890% | 3 |
| Total domestic deposits to total assets | 33.6433% | 6,894 |
| Equity capital to assets | 20.9587% | 167 |
| Core capital (leverage) ratio | 20.9587% | 148 |
| Tier 1 risk-based capital ratio | 20.7501% | 1,557 |
| Total risk-based capital ratio | 22.0048% | 1,523 |
| Memoranda: | ||
| Average total assets | $2,119,946,670 | 336 |
| Average earning assets | $2,078,566,330 | 313 |
| Average equity | $518,229,330 | 189 |
| Average total loans | $2,118,396,670 | 239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0604% | 40 |
| Cost of funding earning assets | 0.8340% | 1,344 |
| Net interest margin | 7.2264% | 44 |
| Noninterest income to average assets | 2.8682% | 268 |
| Noninterest expense to average assets | 4.4214% | 575 |
| Loan and lease loss provision to assets | 0.0972% | 3,065 |
| Net operating income to assets | 3.8854% | 66 |
| Return on assets (ROA) | 3.8854% | 70 |
| Pretax return on assets | 5.4091% | 57 |
| Return on Equity (ROE) | 14.5509% | 855 |
| Retained earnings to average equity (ytd only) | 14.5509% | 393 |
| Net charge-offs to loans | 0.1855% | 2,296 |
| Credit loss provision to net charge-offs | 52.5196% | 2,566 |
| Earnings coverage of net charge-offs (x) | 29.7592% | 960 |
| Efficiency ratio | 44.5360% | 6,750 |
| Assets per employee ($millions) | 8.5900% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 1,993 |
| Loan loss allowance to noncurrent loans | 1,376.1789% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 6,135 |
| Noncurrent loans to loans | 0.1467% | 6,030 |
| Net loans and leases to total assets | 97.4741% | 1 |
| Net loans and leases to deposits | 277.9001% | 12 |
| Net loans and leases to core deposits | 25,732.2688% | 4 |
| Total domestic deposits to total assets | 35.0752% | 6,966 |
| Equity capital to assets | 26.5659% | 77 |
| Core capital (leverage) ratio | 26.5659% | 73 |
| Tier 1 risk-based capital ratio | 26.3643% | 757 |
| Total risk-based capital ratio | 27.6244% | 741 |
| Memoranda: | ||
| Average total assets | $1,930,531,500 | 370 |
| Average earning assets | $1,885,918,500 | 342 |
| Average equity | $515,488,000 | 193 |
| Average total loans | $1,925,819,500 | 262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2900% | 32 |
| Cost of funding earning assets | 1.0433% | 1,150 |
| Net interest margin | 8.2466% | 35 |
| Noninterest income to average assets | 3.1134% | 241 |
| Noninterest expense to average assets | 3.8482% | 1,171 |
| Loan and lease loss provision to assets | 0.2989% | 2,284 |
| Net operating income to assets | 4.4901% | 45 |
| Return on assets (ROA) | 4.4901% | 45 |
| Pretax return on assets | 7.0431% | 40 |
| Return on Equity (ROE) | 21.2009% | 253 |
| Retained earnings to average equity (ytd only) | 21.2009% | 54 |
| Net charge-offs to loans | 0.2801% | 3,261 |
| Credit loss provision to net charge-offs | 107.0257% | 2,771 |
| Earnings coverage of net charge-offs (x) | 26.2898% | 1,106 |
| Efficiency ratio | 34.3891% | 6,999 |
| Assets per employee ($millions) | 8.1265% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 1,695 |
| Loan loss allowance to noncurrent loans | 1,332.2152% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 6,160 |
| Noncurrent loans to loans | 0.1596% | 6,079 |
| Net loans and leases to total assets | 97.9144% | 1 |
| Net loans and leases to deposits | 252.0899% | 13 |
| Net loans and leases to core deposits | 23,691.4014% | 5 |
| Total domestic deposits to total assets | 38.8411% | 7,030 |
| Equity capital to assets | 26.8444% | 79 |
| Core capital (leverage) ratio | 26.8444% | 76 |
| Tier 1 risk-based capital ratio | 26.5957% | 725 |
| Total risk-based capital ratio | 27.8572% | 714 |
| Memoranda: | ||
| Average total assets | $2,160,983,600 | 331 |
| Average earning assets | $2,116,474,600 | 307 |
| Average equity | $457,668,600 | 208 |
| Average total loans | $2,154,942,200 | 228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1596% | 34 |
| Cost of funding earning assets | 1.0469% | 1,296 |
| Net interest margin | 8.1127% | 34 |
| Noninterest income to average assets | 3.0608% | 240 |
| Noninterest expense to average assets | 3.6798% | 1,397 |
| Loan and lease loss provision to assets | 0.4179% | 1,530 |
| Net operating income to assets | 4.5383% | 51 |
| Return on assets (ROA) | 4.5383% | 52 |
| Pretax return on assets | 6.9091% | 45 |
| Return on Equity (ROE) | 22.7128% | 202 |
| Retained earnings to average equity (ytd only) | 22.7128% | 58 |
| Net charge-offs to loans | 0.4193% | 2,414 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 17.5334% | 1,621 |
| Efficiency ratio | 33.4324% | 7,100 |
| Assets per employee ($millions) | 11.0038% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,626 |
| Loan loss allowance to noncurrent loans | 1,506.7957% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 6,464 |
| Noncurrent loans to loans | 0.1045% | 6,357 |
| Net loans and leases to total assets | 98.4913% | 1 |
| Net loans and leases to deposits | 286.2842% | 12 |
| Net loans and leases to core deposits | 38,676.1103% | 3 |
| Total domestic deposits to total assets | 34.4033% | 7,134 |
| Equity capital to assets | 19.2464% | 282 |
| Core capital (leverage) ratio | 19.2464% | 239 |
| Tier 1 risk-based capital ratio | 19.0549% | 1,993 |
| Total risk-based capital ratio | 20.3094% | 1,968 |
| Memoranda: | ||
| Average total assets | $2,229,890,750 | 323 |
| Average earning assets | $2,184,084,750 | 295 |
| Average equity | $445,557,750 | 215 |
| Average total loans | $2,222,141,000 | 219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9717% | 35 |
| Cost of funding earning assets | 1.0806% | 1,310 |
| Net interest margin | 7.8911% | 36 |
| Noninterest income to average assets | 3.2694% | 221 |
| Noninterest expense to average assets | 3.6733% | 1,427 |
| Loan and lease loss provision to assets | 0.5442% | 1,135 |
| Net operating income to assets | 4.5173% | 53 |
| Return on assets (ROA) | 4.5173% | 54 |
| Pretax return on assets | 6.7639% | 47 |
| Return on Equity (ROE) | 22.2850% | 242 |
| Retained earnings to average equity (ytd only) | 22.2850% | 71 |
| Net charge-offs to loans | 0.5470% | 1,949 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 13.4281% | 1,794 |
| Efficiency ratio | 33.4500% | 7,147 |
| Assets per employee ($millions) | 10.9759% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,634 |
| Loan loss allowance to noncurrent loans | 578.7256% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,097 |
| Noncurrent loans to loans | 0.2750% | 6,025 |
| Net loans and leases to total assets | 97.6449% | 1 |
| Net loans and leases to deposits | 284.0528% | 10 |
| Net loans and leases to core deposits | 44,429.4714% | 3 |
| Total domestic deposits to total assets | 34.3756% | 7,200 |
| Equity capital to assets | 18.1925% | 326 |
| Core capital (leverage) ratio | 18.1925% | 284 |
| Tier 1 risk-based capital ratio | 18.0346% | 2,281 |
| Total risk-based capital ratio | 19.2892% | 2,250 |
| Memoranda: | ||
| Average total assets | $2,133,233,000 | 338 |
| Average earning assets | $2,084,831,000 | 304 |
| Average equity | $432,416,000 | 220 |
| Average total loans | $2,122,343,000 | 230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5953% | 43 |
| Cost of funding earning assets | 0.9631% | 2,210 |
| Net interest margin | 7.6322% | 43 |
| Noninterest income to average assets | 3.0450% | 236 |
| Noninterest expense to average assets | 3.8345% | 1,160 |
| Loan and lease loss provision to assets | 0.2065% | 2,886 |
| Net operating income to assets | 4.4916% | 51 |
| Return on assets (ROA) | 4.4916% | 58 |
| Pretax return on assets | 6.4674% | 47 |
| Return on Equity (ROE) | 20.7804% | 330 |
| Retained earnings to average equity (ytd only) | 20.7804% | 167 |
| Net charge-offs to loans | 0.2072% | 2,888 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 32.3230% | 872 |
| Efficiency ratio | 36.4899% | 7,173 |
| Assets per employee ($millions) | 8.8702% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 2,427 |
| Loan loss allowance to noncurrent loans | 1,056.6826% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 6,416 |
| Noncurrent loans to loans | 0.1871% | 6,309 |
| Net loans and leases to total assets | 97.2863% | 1 |
| Net loans and leases to deposits | 276.8040% | 11 |
| Net loans and leases to core deposits | 31,230.5238% | 4 |
| Total domestic deposits to total assets | 35.1463% | 7,264 |
| Equity capital to assets | 21.3064% | 170 |
| Core capital (leverage) ratio | 21.3064% | 150 |
| Tier 1 risk-based capital ratio | 21.1422% | 1,464 |
| Total risk-based capital ratio | 22.4012% | 1,432 |
| Memoranda: | ||
| Average total assets | $1,943,110,000 | 365 |
| Average earning assets | $1,900,104,500 | 331 |
| Average equity | $419,991,500 | 220 |
| Average total loans | $1,936,528,000 | 251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4392% | 17 |
| Cost of funding earning assets | 1.0115% | 3,292 |
| Net interest margin | 11.4278% | 18 |
| Noninterest income to average assets | 0.3289% | 5,188 |
| Noninterest expense to average assets | 4.0620% | 944 |
| Loan and lease loss provision to assets | 0.3125% | 3,171 |
| Net operating income to assets | 4.5884% | 45 |
| Return on assets (ROA) | 4.5884% | 47 |
| Pretax return on assets | 7.2076% | 43 |
| Return on Equity (ROE) | 27.3310% | 68 |
| Retained earnings to average equity (ytd only) | 27.3310% | 16 |
| Net charge-offs to loans | 0.4801% | 3,072 |
| Credit loss provision to net charge-offs | 65.0146% | 5,030 |
| Earnings coverage of net charge-offs (x) | 15.6442% | 1,381 |
| Efficiency ratio | 35.0710% | 7,263 |
| Assets per employee ($millions) | 8.1389% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 1,935 |
| Loan loss allowance to noncurrent loans | 1,025.8206% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 6,443 |
| Noncurrent loans to loans | 0.2074% | 6,330 |
| Net loans and leases to total assets | 97.9794% | 2 |
| Net loans and leases to deposits | 250.0448% | 13 |
| Net loans and leases to core deposits | 23,319.5633% | 8 |
| Total domestic deposits to total assets | 39.1847% | 7,308 |
| Equity capital to assets | 21.9486% | 154 |
| Core capital (leverage) ratio | 21.9486% | 141 |
| Tier 1 risk-based capital ratio | 21.7791% | 1,268 |
| Total risk-based capital ratio | 23.0397% | 1,237 |
| Memoranda: | ||
| Average total assets | $2,140,644,400 | 321 |
| Average earning assets | $2,107,936,400 | 297 |
| Average equity | $359,375,400 | 234 |
| Average total loans | $2,143,277,200 | 225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1657% | 20 |
| Cost of funding earning assets | 0.9652% | 3,927 |
| Net interest margin | 11.2005% | 19 |
| Noninterest income to average assets | 0.3117% | 5,373 |
| Noninterest expense to average assets | 3.8337% | 1,261 |
| Loan and lease loss provision to assets | 0.4054% | 2,428 |
| Net operating income to assets | 4.6481% | 47 |
| Return on assets (ROA) | 4.6481% | 48 |
| Pretax return on assets | 7.1053% | 45 |
| Return on Equity (ROE) | 29.6056% | 62 |
| Retained earnings to average equity (ytd only) | 29.6056% | 23 |
| Net charge-offs to loans | 0.6219% | 2,386 |
| Credit loss provision to net charge-offs | 65.1163% | 4,627 |
| Earnings coverage of net charge-offs (x) | 12.0625% | 1,745 |
| Efficiency ratio | 33.7937% | 7,332 |
| Assets per employee ($millions) | 10.8536% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 3,635 |
| Loan loss allowance to noncurrent loans | 881.5860% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,597 |
| Noncurrent loans to loans | 0.1822% | 6,510 |
| Net loans and leases to total assets | 98.6888% | 1 |
| Net loans and leases to deposits | 280.2731% | 12 |
| Net loans and leases to core deposits | 48,281.7712% | 4 |
| Total domestic deposits to total assets | 35.2117% | 7,384 |
| Equity capital to assets | 15.7441% | 680 |
| Core capital (leverage) ratio | 15.7441% | 539 |
| Tier 1 risk-based capital ratio | 15.5791% | 3,343 |
| Total risk-based capital ratio | 16.8334% | 3,301 |
| Memoranda: | ||
| Average total assets | $2,209,851,750 | 316 |
| Average earning assets | $2,176,749,000 | 289 |
| Average equity | $346,948,750 | 240 |
| Average total loans | $2,212,635,500 | 219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1611% | 22 |
| Cost of funding earning assets | 1.0852% | 3,351 |
| Net interest margin | 11.0759% | 21 |
| Noninterest income to average assets | 0.3237% | 5,304 |
| Noninterest expense to average assets | 3.7378% | 1,469 |
| Loan and lease loss provision to assets | 0.6782% | 1,419 |
| Net operating income to assets | 4.4189% | 57 |
| Return on assets (ROA) | 4.4189% | 58 |
| Pretax return on assets | 6.7982% | 48 |
| Return on Equity (ROE) | 28.1760% | 87 |
| Retained earnings to average equity (ytd only) | 28.1760% | 44 |
| Net charge-offs to loans | 0.8471% | 1,809 |
| Credit loss provision to net charge-offs | 80.0155% | 3,770 |
| Earnings coverage of net charge-offs (x) | 8.8204% | 2,003 |
| Efficiency ratio | 33.3308% | 7,415 |
| Assets per employee ($millions) | 10.7850% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,314 |
| Loan loss allowance to noncurrent loans | 1,105.4889% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 6,707 |
| Noncurrent loans to loans | 0.1541% | 6,596 |
| Net loans and leases to total assets | 98.2303% | 1 |
| Net loans and leases to deposits | 282.5940% | 13 |
| Net loans and leases to core deposits | 50,374.2058% | 4 |
| Total domestic deposits to total assets | 34.7602% | 7,460 |
| Equity capital to assets | 14.6801% | 898 |
| Core capital (leverage) ratio | 14.6801% | 730 |
| Tier 1 risk-based capital ratio | 14.5263% | 3,767 |
| Total risk-based capital ratio | 15.7817% | 3,741 |
| Memoranda: | ||
| Average total assets | $2,125,211,000 | 333 |
| Average earning assets | $2,089,628,670 | 307 |
| Average equity | $333,298,330 | 246 |
| Average total loans | $2,126,461,000 | 230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8551% | 24 |
| Cost of funding earning assets | 1.4106% | 1,558 |
| Net interest margin | 10.4445% | 26 |
| Noninterest income to average assets | 0.3415% | 5,181 |
| Noninterest expense to average assets | 3.7901% | 1,353 |
| Loan and lease loss provision to assets | 0.4585% | 1,922 |
| Net operating income to assets | 4.1353% | 69 |
| Return on assets (ROA) | 4.1353% | 72 |
| Pretax return on assets | 6.3507% | 56 |
| Return on Equity (ROE) | 25.3639% | 158 |
| Retained earnings to average equity (ytd only) | 25.3639% | 98 |
| Net charge-offs to loans | 0.4579% | 2,323 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 14.8516% | 1,349 |
| Efficiency ratio | 35.7584% | 7,451 |
| Assets per employee ($millions) | 9.1223% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 2,130 |
| Loan loss allowance to noncurrent loans | 772.7419% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,500 |
| Noncurrent loans to loans | 0.2750% | 6,440 |
| Net loans and leases to total assets | 97.5746% | 1 |
| Net loans and leases to deposits | 266.6056% | 12 |
| Net loans and leases to core deposits | 37,198.4515% | 6 |
| Total domestic deposits to total assets | 36.5988% | 7,518 |
| Equity capital to assets | 16.2092% | 539 |
| Core capital (leverage) ratio | 16.2092% | 467 |
| Tier 1 risk-based capital ratio | 16.0451% | 2,886 |
| Total risk-based capital ratio | 17.3055% | 2,858 |
| Memoranda: | ||
| Average total assets | $1,969,106,000 | 354 |
| Average earning assets | $1,933,926,000 | 325 |
| Average equity | $321,039,500 | 248 |
| Average total loans | $1,971,804,000 | 241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1717% | 23 |
| Cost of funding earning assets | 1.6475% | 1,840 |
| Net interest margin | 11.5243% | 25 |
| Noninterest income to average assets | 0.3265% | 5,450 |
| Noninterest expense to average assets | 3.9676% | 1,210 |
| Loan and lease loss provision to assets | 2.1997% | 559 |
| Net operating income to assets | 3.5851% | 48 |
| Return on assets (ROA) | 3.5851% | 49 |
| Pretax return on assets | 5.5217% | 44 |
| Return on Equity (ROE) | 26.9877% | 67 |
| Retained earnings to average equity (ytd only) | 26.9877% | 19 |
| Net charge-offs to loans | 2.1150% | 931 |
| Credit loss provision to net charge-offs | 103.4547% | 4,349 |
| Earnings coverage of net charge-offs (x) | 3.6315% | 3,264 |
| Efficiency ratio | 33.9430% | 7,559 |
| Assets per employee ($millions) | 8.7319% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 1,741 |
| Loan loss allowance to noncurrent loans | 700.1294% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 6,433 |
| Noncurrent loans to loans | 0.3243% | 6,401 |
| Net loans and leases to total assets | 98.3312% | 1 |
| Net loans and leases to deposits | 237.6040% | 19 |
| Net loans and leases to core deposits | 27,980.0721% | 8 |
| Total domestic deposits to total assets | 41.3845% | 7,579 |
| Equity capital to assets | 16.4059% | 531 |
| Core capital (leverage) ratio | 16.4059% | 459 |
| Tier 1 risk-based capital ratio | 16.2204% | 2,650 |
| Total risk-based capital ratio | 17.4828% | 2,601 |
| Memoranda: | ||
| Average total assets | $2,042,069,600 | 341 |
| Average earning assets | $2,013,402,600 | 315 |
| Average equity | $271,271,400 | 278 |
| Average total loans | $2,052,909,800 | 233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0879% | 25 |
| Cost of funding earning assets | 1.7558% | 1,607 |
| Net interest margin | 11.3321% | 26 |
| Noninterest income to average assets | 0.3071% | 5,696 |
| Noninterest expense to average assets | 3.7482% | 1,478 |
| Loan and lease loss provision to assets | 2.7958% | 337 |
| Net operating income to assets | 3.2034% | 70 |
| Return on assets (ROA) | 3.2034% | 73 |
| Pretax return on assets | 4.9376% | 51 |
| Return on Equity (ROE) | 25.4786% | 111 |
| Retained earnings to average equity (ytd only) | 25.4786% | 29 |
| Net charge-offs to loans | 2.6220% | 633 |
| Credit loss provision to net charge-offs | 106.0839% | 4,024 |
| Earnings coverage of net charge-offs (x) | 2.9344% | 3,665 |
| Efficiency ratio | 32.6453% | 7,662 |
| Assets per employee ($millions) | 10.5938% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,471 |
| Loan loss allowance to noncurrent loans | 755.5271% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 6,732 |
| Noncurrent loans to loans | 0.2521% | 6,675 |
| Net loans and leases to total assets | 98.7581% | 1 |
| Net loans and leases to deposits | 245.2511% | 18 |
| Net loans and leases to core deposits | 50,967.0168% | 5 |
| Total domestic deposits to total assets | 40.2682% | 7,685 |
| Equity capital to assets | 12.4531% | 1,876 |
| Core capital (leverage) ratio | 12.4531% | 1,438 |
| Tier 1 risk-based capital ratio | 12.3099% | 5,171 |
| Total risk-based capital ratio | 13.5679% | 5,139 |
| Memoranda: | ||
| Average total assets | $2,078,883,500 | 335 |
| Average earning assets | $2,049,963,750 | 307 |
| Average equity | $261,374,000 | 285 |
| Average total loans | $2,089,516,750 | 231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1837% | 26 |
| Cost of funding earning assets | 1.9508% | 1,038 |
| Net interest margin | 11.2328% | 24 |
| Noninterest income to average assets | 0.3190% | 5,603 |
| Noninterest expense to average assets | 3.7856% | 1,382 |
| Loan and lease loss provision to assets | 3.2510% | 288 |
| Net operating income to assets | 2.9106% | 91 |
| Return on assets (ROA) | 2.9106% | 92 |
| Pretax return on assets | 4.3449% | 64 |
| Return on Equity (ROE) | 23.0651% | 171 |
| Retained earnings to average equity (ytd only) | 23.0651% | 60 |
| Net charge-offs to loans | 2.9879% | 530 |
| Credit loss provision to net charge-offs | 108.3214% | 3,757 |
| Earnings coverage of net charge-offs (x) | 2.5309% | 3,735 |
| Efficiency ratio | 33.2608% | 7,725 |
| Assets per employee ($millions) | 10.1763% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 2,285 |
| Loan loss allowance to noncurrent loans | 748.6308% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 6,743 |
| Noncurrent loans to loans | 0.2615% | 6,709 |
| Net loans and leases to total assets | 98.6374% | 1 |
| Net loans and leases to deposits | 234.4514% | 20 |
| Net loans and leases to core deposits | 234.4514% | 69 |
| Total domestic deposits to total assets | 42.0716% | 7,751 |
| Equity capital to assets | 11.8626% | 2,174 |
| Core capital (leverage) ratio | 11.8626% | 1,727 |
| Tier 1 risk-based capital ratio | 11.7236% | 5,566 |
| Total risk-based capital ratio | 12.9822% | 5,517 |
| Memoranda: | ||
| Average total assets | $2,002,026,670 | 346 |
| Average earning assets | $1,971,669,000 | 316 |
| Average equity | $252,632,670 | 294 |
| Average total loans | $2,011,001,330 | 242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0547% | 28 |
| Cost of funding earning assets | 2.4038% | 303 |
| Net interest margin | 10.6509% | 31 |
| Noninterest income to average assets | 0.3411% | 5,415 |
| Noninterest expense to average assets | 3.8380% | 1,266 |
| Loan and lease loss provision to assets | 2.0805% | 530 |
| Net operating income to assets | 3.3664% | 66 |
| Return on assets (ROA) | 3.3664% | 70 |
| Pretax return on assets | 4.8931% | 61 |
| Return on Equity (ROE) | 25.7538% | 141 |
| Retained earnings to average equity (ytd only) | 25.7538% | 98 |
| Net charge-offs to loans | 2.0732% | 823 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 3.3519% | 2,933 |
| Efficiency ratio | 35.4991% | 7,796 |
| Assets per employee ($millions) | 8.4959% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2027% | 1,747 |
| Loan loss allowance to noncurrent loans | 511.3681% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 6,391 |
| Noncurrent loans to loans | 0.4308% | 6,440 |
| Net loans and leases to total assets | 97.9294% | 1 |
| Net loans and leases to deposits | 218.5238% | 26 |
| Net loans and leases to core deposits | 218.5238% | 86 |
| Total domestic deposits to total assets | 44.8141% | 7,850 |
| Equity capital to assets | 13.3782% | 1,373 |
| Core capital (leverage) ratio | 13.3782% | 1,108 |
| Tier 1 risk-based capital ratio | 13.2233% | 4,191 |
| Total risk-based capital ratio | 14.4848% | 4,129 |
| Memoranda: | ||
| Average total assets | $1,878,558,500 | 384 |
| Average earning assets | $1,846,753,500 | 345 |
| Average equity | $245,556,000 | 301 |
| Average total loans | $1,885,198,500 | 266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6807% | 19 |
| Cost of funding earning assets | 3.0953% | 175 |
| Net interest margin | 10.5855% | 24 |
| Noninterest income to average assets | 0.3272% | 5,740 |
| Noninterest expense to average assets | 4.4416% | 845 |
| Loan and lease loss provision to assets | 3.9385% | 353 |
| Net operating income to assets | 1.5475% | 614 |
| Return on assets (ROA) | 1.5475% | 650 |
| Pretax return on assets | 2.4052% | 183 |
| Return on Equity (ROE) | 12.8920% | 983 |
| Retained earnings to average equity (ytd only) | 12.8920% | 162 |
| Net charge-offs to loans | 2.9768% | 716 |
| Credit loss provision to net charge-offs | 131.8010% | 3,824 |
| Earnings coverage of net charge-offs (x) | 2.1229% | 4,139 |
| Efficiency ratio | 41.1820% | 7,843 |
| Assets per employee ($millions) | 8.4278% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 1,591 |
| Loan loss allowance to noncurrent loans | 443.1495% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 6,188 |
| Noncurrent loans to loans | 0.5034% | 6,244 |
| Net loans and leases to total assets | 98.3319% | 1 |
| Net loans and leases to deposits | 194.2101% | 27 |
| Net loans and leases to core deposits | 194.2101% | 115 |
| Total domestic deposits to total assets | 50.6317% | 7,901 |
| Equity capital to assets | 12.7595% | 1,613 |
| Core capital (leverage) ratio | 12.7595% | 1,326 |
| Tier 1 risk-based capital ratio | 12.6541% | 4,398 |
| Total risk-based capital ratio | 13.9162% | 4,329 |
| Memoranda: | ||
| Average total assets | $1,846,825,200 | 385 |
| Average earning assets | $1,824,586,600 | 349 |
| Average equity | $221,688,400 | 323 |
| Average total loans | $1,853,903,200 | 285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5637% | 21 |
| Cost of funding earning assets | 3.1210% | 230 |
| Net interest margin | 10.4427% | 24 |
| Noninterest income to average assets | 0.3217% | 5,905 |
| Noninterest expense to average assets | 4.3387% | 870 |
| Loan and lease loss provision to assets | 4.4569% | 228 |
| Net operating income to assets | 1.2653% | 1,302 |
| Return on assets (ROA) | 1.2653% | 1,372 |
| Pretax return on assets | 1.8505% | 728 |
| Return on Equity (ROE) | 10.7112% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.7112% | 511 |
| Net charge-offs to loans | 3.3064% | 481 |
| Credit loss provision to net charge-offs | 134.3481% | 3,706 |
| Earnings coverage of net charge-offs (x) | 1.9013% | 4,385 |
| Efficiency ratio | 40.7538% | 7,914 |
| Assets per employee ($millions) | 9.3042% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,014 |
| Loan loss allowance to noncurrent loans | 499.2385% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,491 |
| Noncurrent loans to loans | 0.3818% | 6,583 |
| Net loans and leases to total assets | 99.1785% | 1 |
| Net loans and leases to deposits | 213.1561% | 28 |
| Net loans and leases to core deposits | 213.1561% | 80 |
| Total domestic deposits to total assets | 46.5286% | 7,998 |
| Equity capital to assets | 10.9194% | 3,093 |
| Core capital (leverage) ratio | 10.9194% | 2,462 |
| Tier 1 risk-based capital ratio | 10.7995% | 6,156 |
| Total risk-based capital ratio | 12.0575% | 6,112 |
| Memoranda: | ||
| Average total assets | $1,842,897,500 | 397 |
| Average earning assets | $1,822,017,000 | 358 |
| Average equity | $217,697,750 | 343 |
| Average total loans | $1,849,065,000 | 296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5585% | 21 |
| Cost of funding earning assets | 3.1243% | 327 |
| Net interest margin | 10.4342% | 24 |
| Noninterest income to average assets | 0.3532% | 5,673 |
| Noninterest expense to average assets | 4.6200% | 682 |
| Loan and lease loss provision to assets | 4.3538% | 268 |
| Net operating income to assets | 1.1852% | 1,515 |
| Return on assets (ROA) | 1.1852% | 1,602 |
| Pretax return on assets | 1.6758% | 1,063 |
| Return on Equity (ROE) | 9.7446% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.7446% | 777 |
| Net charge-offs to loans | 3.5031% | 446 |
| Credit loss provision to net charge-offs | 124.2444% | 3,744 |
| Earnings coverage of net charge-offs (x) | 1.7207% | 4,265 |
| Efficiency ratio | 43.3818% | 7,942 |
| Assets per employee ($millions) | 9.1600% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,920 |
| Loan loss allowance to noncurrent loans | 412.9993% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 6,510 |
| Noncurrent loans to loans | 0.3773% | 6,569 |
| Net loans and leases to total assets | 99.0484% | 1 |
| Net loans and leases to deposits | 201.4491% | 35 |
| Net loans and leases to core deposits | 201.4491% | 117 |
| Total domestic deposits to total assets | 49.1680% | 8,064 |
| Equity capital to assets | 10.8447% | 3,063 |
| Core capital (leverage) ratio | 10.8447% | 2,529 |
| Tier 1 risk-based capital ratio | 10.7295% | 6,162 |
| Total risk-based capital ratio | 11.9832% | 6,093 |
| Memoranda: | ||
| Average total assets | $1,765,583,000 | 423 |
| Average earning assets | $1,742,276,000 | 390 |
| Average equity | $214,743,670 | 355 |
| Average total loans | $1,766,158,330 | 315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1916% | 23 |
| Cost of funding earning assets | 3.0855% | 476 |
| Net interest margin | 10.1061% | 25 |
| Noninterest income to average assets | 0.3963% | 5,238 |
| Noninterest expense to average assets | 4.6801% | 604 |
| Loan and lease loss provision to assets | 3.5001% | 296 |
| Net operating income to assets | 1.6025% | 782 |
| Return on assets (ROA) | 1.6025% | 859 |
| Pretax return on assets | 2.1547% | 488 |
| Return on Equity (ROE) | 12.3476% | 1,557 |
| Retained earnings to average equity (ytd only) | 12.3476% | 734 |
| Net charge-offs to loans | 2.8984% | 443 |
| Credit loss provision to net charge-offs | 121.1560% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.9574% | 3,741 |
| Efficiency ratio | 45.2844% | 7,878 |
| Assets per employee ($millions) | 7.5163% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 2,482 |
| Loan loss allowance to noncurrent loans | 276.8012% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 5,727 |
| Noncurrent loans to loans | 0.5815% | 5,947 |
| Net loans and leases to total assets | 98.4056% | 4 |
| Net loans and leases to deposits | 170.0118% | 46 |
| Net loans and leases to core deposits | 170.0118% | 343 |
| Total domestic deposits to total assets | 57.8817% | 8,010 |
| Equity capital to assets | 12.9809% | 1,753 |
| Core capital (leverage) ratio | 12.9809% | 1,488 |
| Tier 1 risk-based capital ratio | 12.8932% | 4,256 |
| Total risk-based capital ratio | 14.1476% | 4,179 |
| Memoranda: | ||
| Average total assets | $1,636,199,500 | 446 |
| Average earning assets | $1,609,087,000 | 418 |
| Average equity | $212,348,500 | 353 |
| Average total loans | $1,630,824,500 | 335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6121% | 17 |
| Cost of funding earning assets | 3.1506% | 1,351 |
| Net interest margin | 11.4615% | 19 |
| Noninterest income to average assets | 0.3661% | 5,777 |
| Noninterest expense to average assets | 5.4036% | 528 |
| Loan and lease loss provision to assets | 2.2186% | 518 |
| Net operating income to assets | 2.6428% | 97 |
| Return on assets (ROA) | 2.6428% | 97 |
| Pretax return on assets | 4.0844% | 58 |
| Return on Equity (ROE) | 19.4176% | 423 |
| Retained earnings to average equity (ytd only) | -3.9248% | 6,310 |
| Net charge-offs to loans | 1.9255% | 570 |
| Credit loss provision to net charge-offs | 115.1730% | 4,692 |
| Earnings coverage of net charge-offs (x) | 3.2721% | 4,450 |
| Efficiency ratio | 46.1586% | 7,922 |
| Assets per employee ($millions) | 7.1613% | 655 |
| Cash dividends to net income (ytd only)* | 120.2125% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 2,608 |
| Loan loss allowance to noncurrent loans | 337.8729% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 5,883 |
| Noncurrent loans to loans | 0.4483% | 6,011 |
| Net loans and leases to total assets | 97.8127% | 5 |
| Net loans and leases to deposits | 152.7292% | 77 |
| Net loans and leases to core deposits | 152.7292% | 760 |
| Total domestic deposits to total assets | 64.0432% | 7,793 |
| Equity capital to assets | 12.9753% | 1,799 |
| Core capital (leverage) ratio | 12.9753% | 1,549 |
| Tier 1 risk-based capital ratio | 12.9487% | 4,139 |
| Total risk-based capital ratio | 14.2018% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,573,840,000 | 446 |
| Average earning assets | $1,557,227,600 | 411 |
| Average equity | $214,202,400 | 352 |
| Average total loans | $1,574,515,400 | 336 |