Home > Midland States Bank > Performance and Condition Ratios
Midland States Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 980 |
| Cost of funding earning assets | 2.2280% | 610 |
| Net interest margin | 3.4249% | 2,351 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 2.1999% | 3,132 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.1051% | 1,908 |
| Return on assets (ROA) | 1.0177% | 2,145 |
| Pretax return on assets | 1.4603% | 1,509 |
| Return on Equity (ROE) | 9.2100% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.0413% | 3,263 |
| Net charge-offs to loans | 0.2174% | 500 |
| Credit loss provision to net charge-offs | 154.4624% | 1,451 |
| Earnings coverage of net charge-offs (x) | 10.6430% | 2,230 |
| Efficiency ratio | 52.9995% | 3,752 |
| Assets per employee ($millions) | 8.7516% | 1,089 |
| Cash dividends to net income (ytd only)* | 66.9643% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,750 |
| Loan loss allowance to noncurrent loans | 121.5674% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 606 |
| Noncurrent loans to loans | 0.9185% | 814 |
| Net loans and leases to total assets | 77.1900% | 954 |
| Net loans and leases to deposits | 96.0362% | 785 |
| Net loans and leases to core deposits | 102.3425% | 1,313 |
| Total domestic deposits to total assets | 80.3800% | 3,402 |
| Equity capital to assets | 11.3631% | 1,344 |
| Core capital (leverage) ratio | 10.1809% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3986% | 2,452 |
| Memoranda: | ||
| Average total assets | $7,923,684,600 | 189 |
| Average earning assets | $7,149,904,000 | 189 |
| Average equity | $875,951,000 | 180 |
| Average total loans | $6,291,921,800 | 170 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 944 |
| Cost of funding earning assets | 2.1390% | 559 |
| Net interest margin | 3.4289% | 2,397 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 2.1805% | 3,130 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.1721% | 1,875 |
| Return on assets (ROA) | 1.0912% | 2,066 |
| Pretax return on assets | 1.5599% | 1,441 |
| Return on Equity (ROE) | 9.9400% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.4333% | 3,133 |
| Net charge-offs to loans | 0.1804% | 484 |
| Credit loss provision to net charge-offs | 165.6002% | 1,251 |
| Earnings coverage of net charge-offs (x) | 13.2152% | 2,044 |
| Efficiency ratio | 51.9383% | 3,760 |
| Assets per employee ($millions) | 8.8805% | 970 |
| Cash dividends to net income (ytd only)* | 55.3983% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,065 |
| Loan loss allowance to noncurrent loans | 119.0922% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 797 |
| Noncurrent loans to loans | 0.8904% | 925 |
| Net loans and leases to total assets | 78.0900% | 868 |
| Net loans and leases to deposits | 97.0909% | 673 |
| Net loans and leases to core deposits | 104.0099% | 1,122 |
| Total domestic deposits to total assets | 80.4300% | 3,469 |
| Equity capital to assets | 10.9337% | 1,371 |
| Core capital (leverage) ratio | 10.2127% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1264% | 2,579 |
| Memoranda: | ||
| Average total assets | $7,939,876,500 | 189 |
| Average earning assets | $7,172,502,250 | 187 |
| Average equity | $871,683,750 | 184 |
| Average total loans | $6,331,179,750 | 172 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 897 |
| Cost of funding earning assets | 2.0120% | 483 |
| Net interest margin | 3.4394% | 2,418 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.2169% | 3,026 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.1702% | 1,906 |
| Return on assets (ROA) | 1.1467% | 1,973 |
| Pretax return on assets | 1.5354% | 1,529 |
| Return on Equity (ROE) | 10.4300% | 2,582 |
| Retained earnings to average equity (ytd only) | 4.9259% | 2,960 |
| Net charge-offs to loans | 0.1612% | 486 |
| Credit loss provision to net charge-offs | 176.2268% | 1,104 |
| Earnings coverage of net charge-offs (x) | 13.8970% | 1,892 |
| Efficiency ratio | 53.7206% | 3,637 |
| Assets per employee ($millions) | 8.7724% | 976 |
| Cash dividends to net income (ytd only)* | 52.7763% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,346 |
| Loan loss allowance to noncurrent loans | 118.4268% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 767 |
| Noncurrent loans to loans | 0.8606% | 880 |
| Net loans and leases to total assets | 78.5900% | 774 |
| Net loans and leases to deposits | 98.0682% | 599 |
| Net loans and leases to core deposits | 105.3514% | 1,008 |
| Total domestic deposits to total assets | 80.1400% | 3,561 |
| Equity capital to assets | 10.9622% | 1,401 |
| Core capital (leverage) ratio | 10.0693% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8901% | 2,659 |
| Memoranda: | ||
| Average total assets | $7,931,245,000 | 183 |
| Average earning assets | $7,189,702,000 | 182 |
| Average equity | $871,927,667 | 176 |
| Average total loans | $6,345,915,667 | 166 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 780 |
| Cost of funding earning assets | 1.8430% | 418 |
| Net interest margin | 3.5075% | 2,340 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.2674% | 2,899 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.1970% | 1,937 |
| Return on assets (ROA) | 1.1757% | 1,966 |
| Pretax return on assets | 1.5636% | 1,547 |
| Return on Equity (ROE) | 10.6800% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.1488% | 2,991 |
| Net charge-offs to loans | 0.1339% | 499 |
| Credit loss provision to net charge-offs | 147.9471% | 954 |
| Earnings coverage of net charge-offs (x) | 16.2732% | 1,522 |
| Efficiency ratio | 54.8143% | 3,522 |
| Assets per employee ($millions) | 8.5084% | 1,123 |
| Cash dividends to net income (ytd only)* | 51.7866% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,612 |
| Loan loss allowance to noncurrent loans | 122.3887% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 674 |
| Noncurrent loans to loans | 0.7977% | 967 |
| Net loans and leases to total assets | 79.4700% | 589 |
| Net loans and leases to deposits | 97.9124% | 544 |
| Net loans and leases to core deposits | 104.0895% | 919 |
| Total domestic deposits to total assets | 81.1600% | 3,613 |
| Equity capital to assets | 11.0654% | 1,319 |
| Core capital (leverage) ratio | 10.0167% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5924% | 2,832 |
| Memoranda: | ||
| Average total assets | $7,883,505,500 | 190 |
| Average earning assets | $7,139,871,000 | 191 |
| Average equity | $867,937,500 | 181 |
| Average total loans | $6,332,385,500 | 171 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 852 |
| Cost of funding earning assets | 0.6659% | 676 |
| Net interest margin | 3.7505% | 1,262 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.3210% | 2,666 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.3749% | 1,197 |
| Return on assets (ROA) | 1.3618% | 1,196 |
| Pretax return on assets | 1.8531% | 647 |
| Return on Equity (ROE) | 12.6800% | 1,912 |
| Retained earnings to average equity (ytd only) | 11.0810% | 866 |
| Net charge-offs to loans | 0.1513% | 543 |
| Credit loss provision to net charge-offs | 213.4083% | 1,079 |
| Earnings coverage of net charge-offs (x) | 18.3533% | 1,933 |
| Efficiency ratio | 50.4775% | 4,105 |
| Assets per employee ($millions) | 8.3911% | 1,142 |
| Cash dividends to net income (ytd only)* | 12.6107% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,521 |
| Loan loss allowance to noncurrent loans | 141.4888% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 785 |
| Noncurrent loans to loans | 0.6841% | 1,093 |
| Net loans and leases to total assets | 79.6200% | 633 |
| Net loans and leases to deposits | 98.1059% | 517 |
| Net loans and leases to core deposits | 101.5797% | 918 |
| Total domestic deposits to total assets | 81.1600% | 3,736 |
| Equity capital to assets | 10.9532% | 1,277 |
| Core capital (leverage) ratio | 9.9013% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5061% | 2,862 |
| Memoranda: | ||
| Average total assets | $7,569,906,400 | 198 |
| Average earning assets | $6,831,595,200 | 196 |
| Average equity | $812,989,600 | 191 |
| Average total loans | $5,823,424,400 | 175 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 944 |
| Cost of funding earning assets | 0.4208% | 1,152 |
| Net interest margin | 3.7485% | 1,040 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.2410% | 2,816 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.2317% | 1,582 |
| Return on assets (ROA) | 1.2135% | 1,628 |
| Pretax return on assets | 1.6625% | 972 |
| Return on Equity (ROE) | 11.3600% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.1957% | 1,579 |
| Net charge-offs to loans | 0.1934% | 343 |
| Credit loss provision to net charge-offs | 191.6203% | 1,000 |
| Earnings coverage of net charge-offs (x) | 13.4713% | 1,885 |
| Efficiency ratio | 51.3717% | 4,053 |
| Assets per employee ($millions) | 8.4028% | 1,116 |
| Cash dividends to net income (ytd only)* | 19.0415% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,705 |
| Loan loss allowance to noncurrent loans | 143.9206% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 792 |
| Noncurrent loans to loans | 0.6569% | 1,241 |
| Net loans and leases to total assets | 78.6200% | 652 |
| Net loans and leases to deposits | 94.6904% | 611 |
| Net loans and leases to core deposits | 98.2408% | 889 |
| Total domestic deposits to total assets | 83.0300% | 3,685 |
| Equity capital to assets | 10.6204% | 1,319 |
| Core capital (leverage) ratio | 9.7502% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1577% | 3,015 |
| Memoranda: | ||
| Average total assets | $7,500,954,750 | 199 |
| Average earning assets | $6,763,937,000 | 201 |
| Average equity | $801,398,250 | 192 |
| Average total loans | $5,702,342,250 | 175 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 1,006 |
| Cost of funding earning assets | 0.2597% | 2,146 |
| Net interest margin | 3.7010% | 910 |
| Noninterest income to average assets | 0.8445% | 955 |
| Noninterest expense to average assets | 2.2274% | 2,766 |
| Loan and lease loss provision to assets | 0.2598% | 270 |
| Net operating income to assets | 1.2660% | 1,234 |
| Return on assets (ROA) | 1.2436% | 1,281 |
| Pretax return on assets | 1.6634% | 814 |
| Return on Equity (ROE) | 11.6159% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.3326% | 1,499 |
| Net charge-offs to loans | 0.1820% | 355 |
| Credit loss provision to net charge-offs | 176.1564% | 1,031 |
| Earnings coverage of net charge-offs (x) | 14.3284% | 1,658 |
| Efficiency ratio | 51.5432% | 4,164 |
| Assets per employee ($millions) | 7.9680% | 1,326 |
| Cash dividends to net income (ytd only)* | 28.2658% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,810 |
| Loan loss allowance to noncurrent loans | 107.7319% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 617 |
| Noncurrent loans to loans | 0.8785% | 963 |
| Net loans and leases to total assets | 77.3738% | 611 |
| Net loans and leases to deposits | 92.3781% | 590 |
| Net loans and leases to core deposits | 95.9014% | 836 |
| Total domestic deposits to total assets | 83.7577% | 3,732 |
| Equity capital to assets | 10.5430% | 1,408 |
| Core capital (leverage) ratio | 9.1182% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6018% | 3,061 |
| Memoranda: | ||
| Average total assets | $7,396,397,667 | 200 |
| Average earning assets | $6,663,927,667 | 202 |
| Average equity | $791,881,667 | 193 |
| Average total loans | $5,535,526,667 | 174 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 1,137 |
| Cost of funding earning assets | 0.2039% | 2,744 |
| Net interest margin | 3.5690% | 945 |
| Noninterest income to average assets | 0.8700% | 890 |
| Noninterest expense to average assets | 2.2168% | 2,794 |
| Loan and lease loss provision to assets | 0.2258% | 309 |
| Net operating income to assets | 1.2364% | 1,149 |
| Return on assets (ROA) | 1.2141% | 1,200 |
| Pretax return on assets | 1.6153% | 803 |
| Return on Equity (ROE) | 11.2533% | 1,527 |
| Retained earnings to average equity (ytd only) | 4.7236% | 2,694 |
| Net charge-offs to loans | 0.1670% | 355 |
| Credit loss provision to net charge-offs | 183.1560% | 800 |
| Earnings coverage of net charge-offs (x) | 15.2917% | 1,354 |
| Efficiency ratio | 52.3970% | 4,173 |
| Assets per employee ($millions) | 7.9660% | 1,393 |
| Cash dividends to net income (ytd only)* | 58.0254% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,892 |
| Loan loss allowance to noncurrent loans | 111.4132% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 686 |
| Noncurrent loans to loans | 0.8563% | 1,091 |
| Net loans and leases to total assets | 74.9918% | 579 |
| Net loans and leases to deposits | 90.1168% | 506 |
| Net loans and leases to core deposits | 94.1644% | 728 |
| Total domestic deposits to total assets | 83.2162% | 3,917 |
| Equity capital to assets | 10.7033% | 1,488 |
| Core capital (leverage) ratio | 9.0260% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7345% | 3,066 |
| Memoranda: | ||
| Average total assets | $7,381,489,000 | 198 |
| Average earning assets | $6,652,074,000 | 205 |
| Average equity | $796,350,000 | 196 |
| Average total loans | $5,402,869,000 | 178 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 1,869 |
| Cost of funding earning assets | 0.3111% | 2,283 |
| Net interest margin | 3.4871% | 1,777 |
| Noninterest income to average assets | 0.9578% | 1,081 |
| Noninterest expense to average assets | 2.5110% | 2,148 |
| Loan and lease loss provision to assets | 0.0487% | 2,084 |
| Net operating income to assets | 1.2470% | 1,750 |
| Return on assets (ROA) | 1.2575% | 1,774 |
| Pretax return on assets | 1.5418% | 1,597 |
| Return on Equity (ROE) | 11.1376% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,513 |
| Net charge-offs to loans | 0.2639% | 339 |
| Credit loss provision to net charge-offs | 29.6302% | 2,236 |
| Earnings coverage of net charge-offs (x) | 8.2517% | 2,308 |
| Efficiency ratio | 59.4203% | 3,238 |
| Assets per employee ($millions) | 8.1965% | 1,218 |
| Cash dividends to net income (ytd only)* | 49.6083% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,872 |
| Loan loss allowance to noncurrent loans | 143.5576% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 1,017 |
| Noncurrent loans to loans | 0.6766% | 1,478 |
| Net loans and leases to total assets | 70.0244% | 1,043 |
| Net loans and leases to deposits | 84.6679% | 869 |
| Net loans and leases to core deposits | 87.0266% | 1,135 |
| Total domestic deposits to total assets | 82.7048% | 3,857 |
| Equity capital to assets | 10.8724% | 1,879 |
| Core capital (leverage) ratio | 8.8858% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2099% | 3,024 |
| Memoranda: | ||
| Average total assets | $6,972,901,600 | 209 |
| Average earning assets | $6,260,508,800 | 209 |
| Average equity | $787,303,200 | 196 |
| Average total loans | $5,050,895,000 | 190 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 1,912 |
| Cost of funding earning assets | 0.3441% | 2,173 |
| Net interest margin | 3.5064% | 1,850 |
| Noninterest income to average assets | 0.8761% | 1,306 |
| Noninterest expense to average assets | 2.5171% | 2,070 |
| Loan and lease loss provision to assets | 0.0569% | 1,846 |
| Net operating income to assets | 1.2175% | 2,107 |
| Return on assets (ROA) | 1.2318% | 2,117 |
| Pretax return on assets | 1.4594% | 2,114 |
| Return on Equity (ROE) | 10.8015% | 2,438 |
| Retained earnings to average equity (ytd only) | 5.4312% | 3,059 |
| Net charge-offs to loans | 0.2325% | 352 |
| Credit loss provision to net charge-offs | 45.3086% | 1,884 |
| Earnings coverage of net charge-offs (x) | 8.8454% | 2,092 |
| Efficiency ratio | 60.5860% | 2,900 |
| Assets per employee ($millions) | 7.8440% | 1,344 |
| Cash dividends to net income (ytd only)* | 49.7183% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,308 |
| Loan loss allowance to noncurrent loans | 115.0904% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 821 |
| Noncurrent loans to loans | 0.9788% | 1,177 |
| Net loans and leases to total assets | 68.9882% | 1,194 |
| Net loans and leases to deposits | 86.6537% | 791 |
| Net loans and leases to core deposits | 89.4279% | 1,063 |
| Total domestic deposits to total assets | 79.6136% | 4,282 |
| Equity capital to assets | 11.2694% | 1,837 |
| Core capital (leverage) ratio | 9.3780% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0299% | 2,959 |
| Memoranda: | ||
| Average total assets | $6,857,566,500 | 211 |
| Average earning assets | $6,141,507,750 | 211 |
| Average equity | $782,058,250 | 196 |
| Average total loans | $4,999,407,250 | 190 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 1,770 |
| Cost of funding earning assets | 0.3710% | 2,128 |
| Net interest margin | 3.5480% | 1,721 |
| Noninterest income to average assets | 0.9019% | 1,271 |
| Noninterest expense to average assets | 2.5987% | 1,859 |
| Loan and lease loss provision to assets | 0.0917% | 1,363 |
| Net operating income to assets | 1.2112% | 2,148 |
| Return on assets (ROA) | 1.2267% | 2,159 |
| Pretax return on assets | 1.4029% | 2,331 |
| Return on Equity (ROE) | 10.7124% | 2,524 |
| Retained earnings to average equity (ytd only) | 5.3047% | 3,070 |
| Net charge-offs to loans | 0.2283% | 379 |
| Credit loss provision to net charge-offs | 68.9475% | 1,526 |
| Earnings coverage of net charge-offs (x) | 8.7418% | 1,863 |
| Efficiency ratio | 61.6649% | 2,774 |
| Assets per employee ($millions) | 7.2551% | 1,630 |
| Cash dividends to net income (ytd only)* | 50.4808% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,872 |
| Loan loss allowance to noncurrent loans | 102.9898% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 710 |
| Noncurrent loans to loans | 1.1749% | 1,030 |
| Net loans and leases to total assets | 72.3842% | 919 |
| Net loans and leases to deposits | 91.3680% | 574 |
| Net loans and leases to core deposits | 94.7742% | 867 |
| Total domestic deposits to total assets | 79.2227% | 4,319 |
| Equity capital to assets | 11.8823% | 1,425 |
| Core capital (leverage) ratio | 9.1939% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9843% | 2,961 |
| Memoranda: | ||
| Average total assets | $6,782,389,333 | 212 |
| Average earning assets | $6,066,837,333 | 212 |
| Average equity | $776,669,667 | 195 |
| Average total loans | $5,018,484,667 | 191 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 1,740 |
| Cost of funding earning assets | 0.3755% | 2,311 |
| Net interest margin | 3.5581% | 1,685 |
| Noninterest income to average assets | 0.8270% | 1,520 |
| Noninterest expense to average assets | 2.2795% | 2,851 |
| Loan and lease loss provision to assets | 0.2077% | 580 |
| Net operating income to assets | 1.1622% | 2,290 |
| Return on assets (ROA) | 1.1659% | 2,347 |
| Pretax return on assets | 1.5326% | 1,906 |
| Return on Equity (ROE) | 10.3697% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.9286% | 3,239 |
| Net charge-offs to loans | 0.1337% | 561 |
| Credit loss provision to net charge-offs | 231.5358% | 841 |
| Earnings coverage of net charge-offs (x) | 17.4607% | 1,299 |
| Efficiency ratio | 54.6363% | 3,718 |
| Assets per employee ($millions) | 7.6447% | 1,375 |
| Cash dividends to net income (ytd only)* | 52.4711% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,600 |
| Loan loss allowance to noncurrent loans | 125.4367% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 799 |
| Noncurrent loans to loans | 1.0063% | 1,330 |
| Net loans and leases to total assets | 71.3460% | 1,109 |
| Net loans and leases to deposits | 90.6759% | 663 |
| Net loans and leases to core deposits | 93.6540% | 1,007 |
| Total domestic deposits to total assets | 78.6824% | 4,365 |
| Equity capital to assets | 11.3080% | 1,655 |
| Core capital (leverage) ratio | 9.0311% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1787% | 2,893 |
| Memoranda: | ||
| Average total assets | $6,865,272,500 | 206 |
| Average earning assets | $6,151,439,000 | 210 |
| Average equity | $771,900,500 | 196 |
| Average total loans | $5,103,700,500 | 191 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,022 |
| Cost of funding earning assets | 0.5840% | 2,419 |
| Net interest margin | 3.6588% | 1,942 |
| Noninterest income to average assets | 0.8775% | 1,321 |
| Noninterest expense to average assets | 2.8378% | 1,840 |
| Loan and lease loss provision to assets | 0.6706% | 256 |
| Net operating income to assets | 0.4444% | 4,153 |
| Return on assets (ROA) | 0.4723% | 4,171 |
| Pretax return on assets | 0.6579% | 3,969 |
| Return on Equity (ROE) | 3.9061% | 4,181 |
| Retained earnings to average equity (ytd only) | -7.0532% | 4,872 |
| Net charge-offs to loans | 0.4894% | 328 |
| Credit loss provision to net charge-offs | 183.4800% | 2,250 |
| Earnings coverage of net charge-offs (x) | 3.5681% | 3,072 |
| Efficiency ratio | 66.3338% | 2,479 |
| Assets per employee ($millions) | 7.6200% | 1,205 |
| Cash dividends to net income (ytd only)* | 280.5690% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,196 |
| Loan loss allowance to noncurrent loans | 118.1243% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 902 |
| Noncurrent loans to loans | 0.9762% | 1,447 |
| Net loans and leases to total assets | 75.5466% | 837 |
| Net loans and leases to deposits | 100.3755% | 363 |
| Net loans and leases to core deposits | 102.6917% | 780 |
| Total domestic deposits to total assets | 75.2640% | 4,556 |
| Equity capital to assets | 11.1790% | 2,113 |
| Core capital (leverage) ratio | 8.7833% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7703% | 2,976 |
| Memoranda: | ||
| Average total assets | $6,489,322,600 | 203 |
| Average earning assets | $5,770,331,200 | 206 |
| Average equity | $784,721,600 | 192 |
| Average total loans | $4,805,022,000 | 193 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,174 |
| Cost of funding earning assets | 0.6429% | 2,370 |
| Net interest margin | 3.6342% | 2,141 |
| Noninterest income to average assets | 0.9032% | 1,211 |
| Noninterest expense to average assets | 2.8624% | 1,796 |
| Loan and lease loss provision to assets | 0.6973% | 305 |
| Net operating income to assets | 0.3947% | 4,275 |
| Return on assets (ROA) | 0.4282% | 4,273 |
| Pretax return on assets | 0.6112% | 4,085 |
| Return on Equity (ROE) | 3.4709% | 4,296 |
| Retained earnings to average equity (ytd only) | -9.2837% | 4,921 |
| Net charge-offs to loans | 0.6016% | 236 |
| Credit loss provision to net charge-offs | 156.4444% | 2,293 |
| Earnings coverage of net charge-offs (x) | 2.8668% | 2,954 |
| Efficiency ratio | 66.8992% | 2,329 |
| Assets per employee ($millions) | 7.1562% | 1,397 |
| Cash dividends to net income (ytd only)* | 367.4681% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,435 |
| Loan loss allowance to noncurrent loans | 81.4493% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 827 |
| Noncurrent loans to loans | 1.2948% | 1,141 |
| Net loans and leases to total assets | 73.9977% | 1,368 |
| Net loans and leases to deposits | 97.2183% | 676 |
| Net loans and leases to core deposits | 99.4699% | 1,201 |
| Total domestic deposits to total assets | 76.1150% | 4,411 |
| Equity capital to assets | 11.4338% | 2,060 |
| Core capital (leverage) ratio | 9.0055% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8156% | 2,960 |
| Memoranda: | ||
| Average total assets | $6,397,156,250 | 203 |
| Average earning assets | $5,677,334,500 | 206 |
| Average equity | $789,238,750 | 190 |
| Average total loans | $4,695,922,250 | 196 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,316 |
| Cost of funding earning assets | 0.7129% | 2,318 |
| Net interest margin | 3.6474% | 2,322 |
| Noninterest income to average assets | 0.8505% | 1,286 |
| Noninterest expense to average assets | 2.6343% | 2,563 |
| Loan and lease loss provision to assets | 0.7082% | 388 |
| Net operating income to assets | 0.5620% | 3,856 |
| Return on assets (ROA) | 0.5665% | 3,919 |
| Pretax return on assets | 0.7492% | 3,744 |
| Return on Equity (ROE) | 4.4761% | 3,983 |
| Retained earnings to average equity (ytd only) | -11.8288% | 4,944 |
| Net charge-offs to loans | 0.6922% | 227 |
| Credit loss provision to net charge-offs | 139.5169% | 2,178 |
| Earnings coverage of net charge-offs (x) | 2.8761% | 2,729 |
| Efficiency ratio | 61.9016% | 3,143 |
| Assets per employee ($millions) | 6.5960% | 1,709 |
| Cash dividends to net income (ytd only)* | 364.2681% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,725 |
| Loan loss allowance to noncurrent loans | 81.4082% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 1,087 |
| Noncurrent loans to loans | 1.1874% | 1,317 |
| Net loans and leases to total assets | 72.7826% | 1,584 |
| Net loans and leases to deposits | 96.3531% | 765 |
| Net loans and leases to core deposits | 99.0421% | 1,326 |
| Total domestic deposits to total assets | 75.5374% | 4,471 |
| Equity capital to assets | 11.6782% | 1,845 |
| Core capital (leverage) ratio | 9.0059% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0495% | 2,954 |
| Memoranda: | ||
| Average total assets | $6,299,205,333 | 202 |
| Average earning assets | $5,587,751,333 | 206 |
| Average equity | $797,306,333 | 189 |
| Average total loans | $4,593,241,000 | 195 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,262 |
| Cost of funding earning assets | 0.8423% | 2,151 |
| Net interest margin | 3.6756% | 2,418 |
| Noninterest income to average assets | 0.5262% | 2,405 |
| Noninterest expense to average assets | 2.7573% | 2,554 |
| Loan and lease loss provision to assets | 0.6941% | 383 |
| Net operating income to assets | 0.2326% | 4,475 |
| Return on assets (ROA) | 0.2325% | 4,497 |
| Pretax return on assets | 0.3263% | 4,410 |
| Return on Equity (ROE) | 1.7634% | 4,494 |
| Retained earnings to average equity (ytd only) | -13.0718% | 4,854 |
| Net charge-offs to loans | 1.1527% | 131 |
| Credit loss provision to net charge-offs | 82.3451% | 1,929 |
| Earnings coverage of net charge-offs (x) | 1.2192% | 2,407 |
| Efficiency ratio | 70.0176% | 2,347 |
| Assets per employee ($millions) | 6.0615% | 1,630 |
| Cash dividends to net income (ytd only)* | 841.2787% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,254 |
| Loan loss allowance to noncurrent loans | 70.0678% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 1,296 |
| Noncurrent loans to loans | 1.2252% | 1,333 |
| Net loans and leases to total assets | 71.8586% | 1,941 |
| Net loans and leases to deposits | 94.7203% | 1,016 |
| Net loans and leases to core deposits | 97.6001% | 1,676 |
| Total domestic deposits to total assets | 75.8639% | 4,503 |
| Equity capital to assets | 12.7944% | 1,549 |
| Core capital (leverage) ratio | 10.1226% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3809% | 2,979 |
| Memoranda: | ||
| Average total assets | $6,134,325,500 | 201 |
| Average earning assets | $5,426,422,500 | 205 |
| Average equity | $808,887,000 | 185 |
| Average total loans | $4,453,948,500 | 196 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 2,315 |
| Cost of funding earning assets | 0.9032% | 2,175 |
| Net interest margin | 3.7996% | 2,498 |
| Noninterest income to average assets | 1.2011% | 654 |
| Noninterest expense to average assets | 2.8761% | 2,366 |
| Loan and lease loss provision to assets | 0.2820% | 618 |
| Net operating income to assets | 1.0606% | 2,614 |
| Return on assets (ROA) | 1.0707% | 2,669 |
| Pretax return on assets | 1.4019% | 2,153 |
| Return on Equity (ROE) | 7.9794% | 3,166 |
| Retained earnings to average equity (ytd only) | 2.7205% | 3,676 |
| Net charge-offs to loans | 0.2254% | 903 |
| Credit loss provision to net charge-offs | 172.2617% | 1,507 |
| Earnings coverage of net charge-offs (x) | 10.2080% | 2,593 |
| Efficiency ratio | 60.7219% | 3,582 |
| Assets per employee ($millions) | 5.6083% | 1,968 |
| Cash dividends to net income (ytd only)* | 65.9058% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 4,681 |
| Loan loss allowance to noncurrent loans | 66.2585% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 1,604 |
| Noncurrent loans to loans | 0.9575% | 1,600 |
| Net loans and leases to total assets | 72.2743% | 2,048 |
| Net loans and leases to deposits | 95.4740% | 997 |
| Net loans and leases to core deposits | 99.3082% | 1,624 |
| Total domestic deposits to total assets | 75.7004% | 4,631 |
| Equity capital to assets | 13.5859% | 1,251 |
| Core capital (leverage) ratio | 10.4823% | 2,969 |
| Tier 1 risk-based capital ratio | 12.6199% | 3,997 |
| Total risk-based capital ratio | 13.2167% | 4,258 |
| Memoranda: | ||
| Average total assets | $6,022,952,000 | 198 |
| Average earning assets | $5,304,083,400 | 199 |
| Average equity | $808,151,600 | 183 |
| Average total loans | $4,375,072,800 | 190 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 1,833 |
| Cost of funding earning assets | 0.9537% | 1,980 |
| Net interest margin | 3.9413% | 2,130 |
| Noninterest income to average assets | 1.2547% | 579 |
| Noninterest expense to average assets | 2.9737% | 2,048 |
| Loan and lease loss provision to assets | 0.2767% | 553 |
| Net operating income to assets | 1.1135% | 2,523 |
| Return on assets (ROA) | 1.1160% | 2,599 |
| Pretax return on assets | 1.4635% | 2,066 |
| Return on Equity (ROE) | 8.1507% | 3,239 |
| Retained earnings to average equity (ytd only) | 0.7974% | 4,608 |
| Net charge-offs to loans | 0.2457% | 720 |
| Credit loss provision to net charge-offs | 152.9396% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.6014% | 2,563 |
| Efficiency ratio | 60.6248% | 3,524 |
| Assets per employee ($millions) | 5.4563% | 2,068 |
| Cash dividends to net income (ytd only)* | 90.2163% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 4,837 |
| Loan loss allowance to noncurrent loans | 55.8076% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 1,615 |
| Noncurrent loans to loans | 1.0630% | 1,501 |
| Net loans and leases to total assets | 73.1748% | 1,965 |
| Net loans and leases to deposits | 99.9223% | 643 |
| Net loans and leases to core deposits | 105.1975% | 1,243 |
| Total domestic deposits to total assets | 73.2317% | 4,852 |
| Equity capital to assets | 13.5297% | 1,345 |
| Core capital (leverage) ratio | 10.6370% | 2,986 |
| Tier 1 risk-based capital ratio | 12.2523% | 4,282 |
| Total risk-based capital ratio | 12.8088% | 4,537 |
| Memoranda: | ||
| Average total assets | $5,628,236,250 | 208 |
| Average earning assets | $4,935,262,000 | 211 |
| Average equity | $770,611,750 | 189 |
| Average total loans | $4,144,458,250 | 199 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 1,792 |
| Cost of funding earning assets | 0.9319% | 2,000 |
| Net interest margin | 3.9549% | 2,080 |
| Noninterest income to average assets | 1.2693% | 539 |
| Noninterest expense to average assets | 2.8923% | 2,300 |
| Loan and lease loss provision to assets | 0.2614% | 578 |
| Net operating income to assets | 1.1914% | 2,180 |
| Return on assets (ROA) | 1.1928% | 2,235 |
| Pretax return on assets | 1.5866% | 1,583 |
| Return on Equity (ROE) | 8.6771% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.7410% | 3,386 |
| Net charge-offs to loans | 0.1114% | 1,302 |
| Credit loss provision to net charge-offs | 318.6330% | 861 |
| Earnings coverage of net charge-offs (x) | 22.5041% | 1,689 |
| Efficiency ratio | 58.4770% | 3,943 |
| Assets per employee ($millions) | 5.3054% | 2,147 |
| Cash dividends to net income (ytd only)* | 56.8862% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 4,818 |
| Loan loss allowance to noncurrent loans | 52.1368% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,438 |
| Noncurrent loans to loans | 1.2141% | 1,318 |
| Net loans and leases to total assets | 73.4769% | 1,969 |
| Net loans and leases to deposits | 100.7844% | 622 |
| Net loans and leases to core deposits | 107.4540% | 1,139 |
| Total domestic deposits to total assets | 72.9051% | 4,915 |
| Equity capital to assets | 14.1138% | 1,083 |
| Core capital (leverage) ratio | 10.8027% | 2,786 |
| Tier 1 risk-based capital ratio | 12.6317% | 4,056 |
| Total risk-based capital ratio | 13.2206% | 4,320 |
| Memoranda: | ||
| Average total assets | $5,600,058,000 | 208 |
| Average earning assets | $4,912,045,330 | 214 |
| Average equity | $769,841,330 | 190 |
| Average total loans | $4,124,193,000 | 201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 1,878 |
| Cost of funding earning assets | 0.8956% | 2,027 |
| Net interest margin | 3.9119% | 2,149 |
| Noninterest income to average assets | 1.1707% | 592 |
| Noninterest expense to average assets | 2.9060% | 2,264 |
| Loan and lease loss provision to assets | 0.2304% | 660 |
| Net operating income to assets | 1.1023% | 2,454 |
| Return on assets (ROA) | 1.1061% | 2,493 |
| Pretax return on assets | 1.4732% | 1,854 |
| Return on Equity (ROE) | 8.1530% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.1785% | 3,667 |
| Net charge-offs to loans | 0.1020% | 1,128 |
| Credit loss provision to net charge-offs | 307.3934% | 807 |
| Earnings coverage of net charge-offs (x) | 22.6673% | 1,490 |
| Efficiency ratio | 60.3801% | 3,757 |
| Assets per employee ($millions) | 5.2243% | 2,256 |
| Cash dividends to net income (ytd only)* | 61.0148% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 5,001 |
| Loan loss allowance to noncurrent loans | 46.9062% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,546 |
| Noncurrent loans to loans | 1.1981% | 1,380 |
| Net loans and leases to total assets | 72.5494% | 2,068 |
| Net loans and leases to deposits | 100.6475% | 585 |
| Net loans and leases to core deposits | 109.9672% | 927 |
| Total domestic deposits to total assets | 72.0827% | 5,041 |
| Equity capital to assets | 13.6673% | 1,144 |
| Core capital (leverage) ratio | 10.4931% | 3,056 |
| Tier 1 risk-based capital ratio | 12.5242% | 4,156 |
| Total risk-based capital ratio | 13.0577% | 4,466 |
| Memoranda: | ||
| Average total assets | $5,630,683,500 | 211 |
| Average earning assets | $4,943,038,000 | 213 |
| Average equity | $763,893,000 | 192 |
| Average total loans | $4,138,454,500 | 200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 2,572 |
| Cost of funding earning assets | 0.6507% | 2,390 |
| Net interest margin | 3.8114% | 2,629 |
| Noninterest income to average assets | 1.2168% | 627 |
| Noninterest expense to average assets | 3.3422% | 1,239 |
| Loan and lease loss provision to assets | 0.1656% | 1,225 |
| Net operating income to assets | 0.8179% | 3,735 |
| Return on assets (ROA) | 0.8242% | 3,712 |
| Pretax return on assets | 1.0668% | 3,385 |
| Return on Equity (ROE) | 6.4610% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.1209% | 3,290 |
| Net charge-offs to loans | 0.1200% | 1,539 |
| Credit loss provision to net charge-offs | 190.1977% | 1,502 |
| Earnings coverage of net charge-offs (x) | 14.0633% | 2,400 |
| Efficiency ratio | 70.5769% | 2,097 |
| Assets per employee ($millions) | 5.1837% | 2,283 |
| Cash dividends to net income (ytd only)* | 36.2195% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 5,119 |
| Loan loss allowance to noncurrent loans | 48.4180% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 1,686 |
| Noncurrent loans to loans | 1.0358% | 1,581 |
| Net loans and leases to total assets | 73.6660% | 1,978 |
| Net loans and leases to deposits | 101.2636% | 645 |
| Net loans and leases to core deposits | 109.6083% | 1,029 |
| Total domestic deposits to total assets | 72.7468% | 5,024 |
| Equity capital to assets | 13.4659% | 1,157 |
| Core capital (leverage) ratio | 10.2249% | 3,331 |
| Tier 1 risk-based capital ratio | 12.2746% | 4,247 |
| Total risk-based capital ratio | 12.7570% | 4,625 |
| Memoranda: | ||
| Average total assets | $5,694,539,400 | 201 |
| Average earning assets | $5,004,914,400 | 205 |
| Average equity | $726,447,600 | 189 |
| Average total loans | $4,131,540,000 | 198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,981 |
| Cost of funding earning assets | 0.5909% | 2,542 |
| Net interest margin | 3.7041% | 3,006 |
| Noninterest income to average assets | 1.1464% | 713 |
| Noninterest expense to average assets | 3.3906% | 1,133 |
| Loan and lease loss provision to assets | 0.1392% | 1,438 |
| Net operating income to assets | 0.6747% | 4,304 |
| Return on assets (ROA) | 0.6751% | 4,314 |
| Pretax return on assets | 0.8738% | 4,104 |
| Return on Equity (ROE) | 5.3655% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.2111% | 4,502 |
| Net charge-offs to loans | 0.0894% | 1,613 |
| Credit loss provision to net charge-offs | 215.8161% | 1,305 |
| Earnings coverage of net charge-offs (x) | 15.6963% | 2,202 |
| Efficiency ratio | 74.3649% | 1,535 |
| Assets per employee ($millions) | 5.2198% | 2,204 |
| Cash dividends to net income (ytd only)* | 58.7910% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 5,224 |
| Loan loss allowance to noncurrent loans | 48.7061% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,932 |
| Noncurrent loans to loans | 0.9616% | 1,770 |
| Net loans and leases to total assets | 72.9898% | 2,170 |
| Net loans and leases to deposits | 99.9978% | 783 |
| Net loans and leases to core deposits | 108.8717% | 1,107 |
| Total domestic deposits to total assets | 72.9914% | 5,060 |
| Equity capital to assets | 12.9018% | 1,379 |
| Core capital (leverage) ratio | 9.8564% | 3,791 |
| Tier 1 risk-based capital ratio | 11.7651% | 4,623 |
| Total risk-based capital ratio | 12.2178% | 4,950 |
| Memoranda: | ||
| Average total assets | $5,710,792,750 | 200 |
| Average earning assets | $5,021,047,500 | 203 |
| Average equity | $718,543,500 | 190 |
| Average total loans | $4,122,437,000 | 197 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,176 |
| Cost of funding earning assets | 0.6169% | 2,125 |
| Net interest margin | 3.8551% | 2,364 |
| Noninterest income to average assets | 1.1119% | 774 |
| Noninterest expense to average assets | 3.8756% | 625 |
| Loan and lease loss provision to assets | 0.1752% | 1,039 |
| Net operating income to assets | 0.3090% | 5,106 |
| Return on assets (ROA) | 0.3137% | 5,095 |
| Pretax return on assets | 0.4484% | 4,992 |
| Return on Equity (ROE) | 2.4831% | 5,100 |
| Retained earnings to average equity (ytd only) | -0.5696% | 5,035 |
| Net charge-offs to loans | 0.1255% | 1,177 |
| Credit loss provision to net charge-offs | 186.5636% | 1,368 |
| Earnings coverage of net charge-offs (x) | 6.5771% | 2,612 |
| Efficiency ratio | 84.3754% | 669 |
| Assets per employee ($millions) | 4.7487% | 2,749 |
| Cash dividends to net income (ytd only)* | 122.9390% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 5,205 |
| Loan loss allowance to noncurrent loans | 63.9189% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 2,052 |
| Noncurrent loans to loans | 0.8495% | 2,022 |
| Net loans and leases to total assets | 75.0949% | 1,775 |
| Net loans and leases to deposits | 108.6051% | 330 |
| Net loans and leases to core deposits | 118.7964% | 600 |
| Total domestic deposits to total assets | 69.1449% | 5,303 |
| Equity capital to assets | 12.4580% | 1,560 |
| Core capital (leverage) ratio | 10.3357% | 3,200 |
| Tier 1 risk-based capital ratio | 11.7647% | 4,642 |
| Total risk-based capital ratio | 12.2759% | 4,940 |
| Memoranda: | ||
| Average total assets | $4,407,576,670 | 243 |
| Average earning assets | $3,865,737,670 | 246 |
| Average equity | $556,885,000 | 223 |
| Average total loans | $3,297,328,670 | 230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,073 |
| Cost of funding earning assets | 0.5637% | 2,289 |
| Net interest margin | 3.8711% | 2,156 |
| Noninterest income to average assets | 1.2888% | 560 |
| Noninterest expense to average assets | 4.2675% | 369 |
| Loan and lease loss provision to assets | 0.1828% | 932 |
| Net operating income to assets | 0.1149% | 5,320 |
| Return on assets (ROA) | 0.1263% | 5,307 |
| Pretax return on assets | 0.2509% | 5,217 |
| Return on Equity (ROE) | 0.9927% | 5,312 |
| Retained earnings to average equity (ytd only) | 0.9927% | 4,631 |
| Net charge-offs to loans | 0.0903% | 1,257 |
| Credit loss provision to net charge-offs | 271.8157% | 879 |
| Earnings coverage of net charge-offs (x) | 6.2331% | 2,169 |
| Efficiency ratio | 89.1590% | 480 |
| Assets per employee ($millions) | 5.1011% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 5,270 |
| Loan loss allowance to noncurrent loans | 67.6697% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 2,187 |
| Noncurrent loans to loans | 0.8025% | 2,205 |
| Net loans and leases to total assets | 74.0615% | 1,847 |
| Net loans and leases to deposits | 103.8430% | 484 |
| Net loans and leases to core deposits | 115.6735% | 737 |
| Total domestic deposits to total assets | 71.3207% | 5,319 |
| Equity capital to assets | 12.7433% | 1,364 |
| Core capital (leverage) ratio | 10.3926% | 3,069 |
| Tier 1 risk-based capital ratio | 12.1965% | 4,435 |
| Total risk-based capital ratio | 12.7129% | 4,776 |
| Memoranda: | ||
| Average total assets | $4,388,986,000 | 244 |
| Average earning assets | $3,852,533,500 | 245 |
| Average equity | $558,464,500 | 224 |
| Average total loans | $3,267,988,000 | 232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,364 |
| Cost of funding earning assets | 0.4268% | 2,987 |
| Net interest margin | 3.5846% | 3,223 |
| Noninterest income to average assets | 1.3269% | 599 |
| Noninterest expense to average assets | 3.4618% | 1,102 |
| Loan and lease loss provision to assets | 0.2195% | 900 |
| Net operating income to assets | 0.4107% | 4,656 |
| Return on assets (ROA) | 0.4140% | 4,673 |
| Pretax return on assets | 0.7929% | 4,264 |
| Return on Equity (ROE) | 3.3160% | 4,738 |
| Retained earnings to average equity (ytd only) | -0.2714% | 5,074 |
| Net charge-offs to loans | 0.2503% | 1,045 |
| Credit loss provision to net charge-offs | 119.6444% | 2,184 |
| Earnings coverage of net charge-offs (x) | 5.4912% | 3,320 |
| Efficiency ratio | 75.8156% | 1,646 |
| Assets per employee ($millions) | 5.2772% | 2,173 |
| Cash dividends to net income (ytd only)* | 108.1831% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 5,383 |
| Loan loss allowance to noncurrent loans | 58.5421% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 2,033 |
| Noncurrent loans to loans | 0.8565% | 2,084 |
| Net loans and leases to total assets | 74.0785% | 1,906 |
| Net loans and leases to deposits | 102.1439% | 594 |
| Net loans and leases to core deposits | 112.3196% | 884 |
| Total domestic deposits to total assets | 72.5236% | 5,294 |
| Equity capital to assets | 12.7053% | 1,407 |
| Core capital (leverage) ratio | 10.0390% | 3,407 |
| Tier 1 risk-based capital ratio | 11.8425% | 4,631 |
| Total risk-based capital ratio | 12.3155% | 4,995 |
| Memoranda: | ||
| Average total assets | $4,353,965,000 | 237 |
| Average earning assets | $3,816,616,000 | 243 |
| Average equity | $543,568,600 | 218 |
| Average total loans | $3,191,131,400 | 228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 3,868 |
| Cost of funding earning assets | 0.3950% | 3,250 |
| Net interest margin | 3.4444% | 3,695 |
| Noninterest income to average assets | 1.3586% | 567 |
| Noninterest expense to average assets | 3.5544% | 916 |
| Loan and lease loss provision to assets | 0.1069% | 1,987 |
| Net operating income to assets | 0.5113% | 4,700 |
| Return on assets (ROA) | 0.5161% | 4,713 |
| Pretax return on assets | 0.7232% | 4,550 |
| Return on Equity (ROE) | 4.1523% | 4,812 |
| Retained earnings to average equity (ytd only) | 0.9406% | 4,995 |
| Net charge-offs to loans | 0.0623% | 2,223 |
| Credit loss provision to net charge-offs | 234.9764% | 1,187 |
| Earnings coverage of net charge-offs (x) | 18.1060% | 2,071 |
| Efficiency ratio | 79.6426% | 1,149 |
| Assets per employee ($millions) | 4.9173% | 2,556 |
| Cash dividends to net income (ytd only)* | 77.3487% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 5,431 |
| Loan loss allowance to noncurrent loans | 44.7919% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 1,670 |
| Noncurrent loans to loans | 1.1786% | 1,632 |
| Net loans and leases to total assets | 73.1695% | 2,069 |
| Net loans and leases to deposits | 101.2339% | 662 |
| Net loans and leases to core deposits | 113.4145% | 870 |
| Total domestic deposits to total assets | 72.2777% | 5,360 |
| Equity capital to assets | 12.9869% | 1,396 |
| Core capital (leverage) ratio | 10.0511% | 3,507 |
| Tier 1 risk-based capital ratio | 11.9861% | 4,634 |
| Total risk-based capital ratio | 12.4744% | 5,022 |
| Memoranda: | ||
| Average total assets | $4,342,158,500 | 237 |
| Average earning assets | $3,806,174,500 | 245 |
| Average equity | $539,665,000 | 219 |
| Average total loans | $3,169,722,500 | 229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,022 |
| Cost of funding earning assets | 0.4387% | 2,710 |
| Net interest margin | 3.8956% | 1,942 |
| Noninterest income to average assets | 1.7234% | 391 |
| Noninterest expense to average assets | 3.9580% | 558 |
| Loan and lease loss provision to assets | 0.1187% | 1,730 |
| Net operating income to assets | 0.7779% | 3,500 |
| Return on assets (ROA) | 0.7831% | 3,532 |
| Pretax return on assets | 1.1021% | 3,169 |
| Return on Equity (ROE) | 6.8054% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.4387% | 3,665 |
| Net charge-offs to loans | 0.1168% | 1,469 |
| Credit loss provision to net charge-offs | 137.8809% | 1,617 |
| Earnings coverage of net charge-offs (x) | 14.1004% | 2,095 |
| Efficiency ratio | 75.3933% | 1,810 |
| Assets per employee ($millions) | 5.0217% | 2,363 |
| Cash dividends to net income (ytd only)* | 49.4710% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 5,365 |
| Loan loss allowance to noncurrent loans | 51.4165% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 1,890 |
| Noncurrent loans to loans | 1.1834% | 1,651 |
| Net loans and leases to total assets | 72.5353% | 2,118 |
| Net loans and leases to deposits | 96.1621% | 1,063 |
| Net loans and leases to core deposits | 109.0148% | 1,050 |
| Total domestic deposits to total assets | 75.4303% | 5,151 |
| Equity capital to assets | 11.1907% | 2,606 |
| Core capital (leverage) ratio | 9.5571% | 4,066 |
| Tier 1 risk-based capital ratio | 11.0688% | 5,217 |
| Total risk-based capital ratio | 11.6149% | 5,447 |
| Memoranda: | ||
| Average total assets | $3,355,656,330 | 283 |
| Average earning assets | $2,970,260,670 | 287 |
| Average equity | $386,133,670 | 277 |
| Average total loans | $2,472,598,000 | 277 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 1,757 |
| Cost of funding earning assets | 0.4161% | 2,844 |
| Net interest margin | 3.9528% | 1,599 |
| Noninterest income to average assets | 1.9736% | 319 |
| Noninterest expense to average assets | 3.7311% | 747 |
| Loan and lease loss provision to assets | 0.1859% | 910 |
| Net operating income to assets | 1.1130% | 1,815 |
| Return on assets (ROA) | 1.1188% | 1,835 |
| Pretax return on assets | 1.5578% | 1,350 |
| Return on Equity (ROE) | 9.5844% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.5844% | 907 |
| Net charge-offs to loans | 0.0966% | 1,399 |
| Credit loss provision to net charge-offs | 259.8305% | 864 |
| Earnings coverage of net charge-offs (x) | 24.2576% | 1,367 |
| Efficiency ratio | 67.0867% | 3,329 |
| Assets per employee ($millions) | 4.8997% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 5,424 |
| Loan loss allowance to noncurrent loans | 51.2766% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 1,778 |
| Noncurrent loans to loans | 1.2355% | 1,636 |
| Net loans and leases to total assets | 73.6481% | 1,796 |
| Net loans and leases to deposits | 96.6228% | 881 |
| Net loans and leases to core deposits | 110.5002% | 858 |
| Total domestic deposits to total assets | 76.2222% | 5,210 |
| Equity capital to assets | 11.5821% | 2,126 |
| Core capital (leverage) ratio | 9.9401% | 3,580 |
| Tier 1 risk-based capital ratio | 11.3548% | 5,116 |
| Total risk-based capital ratio | 11.9270% | 5,385 |
| Memoranda: | ||
| Average total assets | $3,298,472,500 | 289 |
| Average earning assets | $2,914,809,500 | 293 |
| Average equity | $385,040,500 | 276 |
| Average total loans | $2,442,695,500 | 282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 1,505 |
| Cost of funding earning assets | 0.3830% | 3,174 |
| Net interest margin | 4.1272% | 1,314 |
| Noninterest income to average assets | 1.8902% | 368 |
| Noninterest expense to average assets | 3.9328% | 661 |
| Loan and lease loss provision to assets | 0.1830% | 1,295 |
| Net operating income to assets | 0.8954% | 2,851 |
| Return on assets (ROA) | 1.1864% | 1,646 |
| Pretax return on assets | 1.8597% | 678 |
| Return on Equity (ROE) | 10.1574% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.1574% | 387 |
| Net charge-offs to loans | 0.2999% | 922 |
| Credit loss provision to net charge-offs | 83.2366% | 2,927 |
| Earnings coverage of net charge-offs (x) | 7.2254% | 3,048 |
| Efficiency ratio | 69.9608% | 2,905 |
| Assets per employee ($millions) | 4.5505% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6217% | 5,493 |
| Loan loss allowance to noncurrent loans | 61.4081% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 2,198 |
| Noncurrent loans to loans | 1.0124% | 2,063 |
| Net loans and leases to total assets | 73.5305% | 1,926 |
| Net loans and leases to deposits | 97.2376% | 893 |
| Net loans and leases to core deposits | 109.4012% | 939 |
| Total domestic deposits to total assets | 75.6194% | 5,280 |
| Equity capital to assets | 11.7684% | 1,958 |
| Core capital (leverage) ratio | 10.0453% | 3,430 |
| Tier 1 risk-based capital ratio | 11.6101% | 4,981 |
| Total risk-based capital ratio | 12.1698% | 5,270 |
| Memoranda: | ||
| Average total assets | $3,055,815,800 | 290 |
| Average earning assets | $2,688,311,000 | 295 |
| Average equity | $356,913,000 | 284 |
| Average total loans | $2,239,381,200 | 284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,303 |
| Cost of funding earning assets | 0.3834% | 3,197 |
| Net interest margin | 4.2111% | 1,100 |
| Noninterest income to average assets | 1.8439% | 395 |
| Noninterest expense to average assets | 3.8216% | 732 |
| Loan and lease loss provision to assets | 0.1393% | 1,686 |
| Net operating income to assets | 1.0276% | 2,308 |
| Return on assets (ROA) | 1.0132% | 2,509 |
| Pretax return on assets | 1.5636% | 1,485 |
| Return on Equity (ROE) | 8.6924% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.6924% | 912 |
| Net charge-offs to loans | 0.2165% | 1,074 |
| Credit loss provision to net charge-offs | 88.0000% | 2,560 |
| Earnings coverage of net charge-offs (x) | 10.9015% | 2,540 |
| Efficiency ratio | 67.6105% | 3,299 |
| Assets per employee ($millions) | 4.5689% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 5,519 |
| Loan loss allowance to noncurrent loans | 71.2963% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,496 |
| Noncurrent loans to loans | 0.9192% | 2,404 |
| Net loans and leases to total assets | 72.6048% | 2,092 |
| Net loans and leases to deposits | 95.7197% | 1,077 |
| Net loans and leases to core deposits | 105.9424% | 1,186 |
| Total domestic deposits to total assets | 75.8515% | 5,255 |
| Equity capital to assets | 11.5996% | 2,431 |
| Core capital (leverage) ratio | 10.0046% | 3,560 |
| Tier 1 risk-based capital ratio | 11.1404% | 5,295 |
| Total risk-based capital ratio | 11.7193% | 5,556 |
| Memoranda: | ||
| Average total assets | $3,012,051,000 | 292 |
| Average earning assets | $2,648,491,750 | 299 |
| Average equity | $351,086,000 | 283 |
| Average total loans | $2,201,591,250 | 284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,120 |
| Cost of funding earning assets | 0.3916% | 3,136 |
| Net interest margin | 4.2763% | 973 |
| Noninterest income to average assets | 1.8255% | 395 |
| Noninterest expense to average assets | 3.9421% | 637 |
| Loan and lease loss provision to assets | 0.1196% | 1,904 |
| Net operating income to assets | 0.9743% | 2,500 |
| Return on assets (ROA) | 0.9504% | 2,765 |
| Pretax return on assets | 1.4795% | 1,742 |
| Return on Equity (ROE) | 8.1393% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.1393% | 1,133 |
| Net charge-offs to loans | 0.2789% | 855 |
| Credit loss provision to net charge-offs | 58.6622% | 2,594 |
| Earnings coverage of net charge-offs (x) | 8.0268% | 2,559 |
| Efficiency ratio | 69.3223% | 3,093 |
| Assets per employee ($millions) | 4.2484% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 5,607 |
| Loan loss allowance to noncurrent loans | 82.5379% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 2,851 |
| Noncurrent loans to loans | 0.7899% | 2,773 |
| Net loans and leases to total assets | 74.4237% | 1,748 |
| Net loans and leases to deposits | 93.7559% | 1,311 |
| Net loans and leases to core deposits | 106.1747% | 1,170 |
| Total domestic deposits to total assets | 79.3803% | 4,697 |
| Equity capital to assets | 12.1839% | 1,983 |
| Core capital (leverage) ratio | 9.8540% | 3,746 |
| Tier 1 risk-based capital ratio | 11.3114% | 5,274 |
| Total risk-based capital ratio | 11.8855% | 5,525 |
| Memoranda: | ||
| Average total assets | $2,933,227,670 | 295 |
| Average earning assets | $2,574,272,000 | 304 |
| Average equity | $342,509,000 | 285 |
| Average total loans | $2,144,074,670 | 288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 1,780 |
| Cost of funding earning assets | 0.3824% | 3,272 |
| Net interest margin | 4.0256% | 1,542 |
| Noninterest income to average assets | 1.8236% | 386 |
| Noninterest expense to average assets | 3.8165% | 756 |
| Loan and lease loss provision to assets | 0.1557% | 1,344 |
| Net operating income to assets | 0.8904% | 2,801 |
| Return on assets (ROA) | 0.8356% | 3,188 |
| Pretax return on assets | 1.3011% | 2,298 |
| Return on Equity (ROE) | 7.3220% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.3220% | 1,740 |
| Net charge-offs to loans | 0.4877% | 459 |
| Credit loss provision to net charge-offs | 44.2565% | 2,103 |
| Earnings coverage of net charge-offs (x) | 4.3836% | 2,442 |
| Efficiency ratio | 69.7182% | 3,181 |
| Assets per employee ($millions) | 4.0612% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 5,617 |
| Loan loss allowance to noncurrent loans | 78.1958% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 2,669 |
| Noncurrent loans to loans | 0.8792% | 2,651 |
| Net loans and leases to total assets | 72.6895% | 1,921 |
| Net loans and leases to deposits | 87.8835% | 1,842 |
| Net loans and leases to core deposits | 99.0069% | 1,563 |
| Total domestic deposits to total assets | 82.7112% | 4,000 |
| Equity capital to assets | 11.5281% | 2,420 |
| Core capital (leverage) ratio | 8.9922% | 4,870 |
| Tier 1 risk-based capital ratio | 10.5054% | 5,746 |
| Total risk-based capital ratio | 11.1110% | 5,911 |
| Memoranda: | ||
| Average total assets | $2,889,521,500 | 294 |
| Average earning assets | $2,537,768,000 | 304 |
| Average equity | $329,748,000 | 296 |
| Average total loans | $2,084,700,500 | 292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 910 |
| Cost of funding earning assets | 0.3351% | 3,847 |
| Net interest margin | 4.4741% | 688 |
| Noninterest income to average assets | 2.0974% | 337 |
| Noninterest expense to average assets | 4.2045% | 540 |
| Loan and lease loss provision to assets | 0.3977% | 343 |
| Net operating income to assets | 0.9480% | 2,624 |
| Return on assets (ROA) | 0.9386% | 2,745 |
| Pretax return on assets | 1.3996% | 1,906 |
| Return on Equity (ROE) | 8.6142% | 2,667 |
| Retained earnings to average equity (ytd only) | 3.8577% | 3,292 |
| Net charge-offs to loans | 0.3741% | 776 |
| Credit loss provision to net charge-offs | 149.5766% | 1,779 |
| Earnings coverage of net charge-offs (x) | 6.8067% | 3,169 |
| Efficiency ratio | 68.3568% | 3,500 |
| Assets per employee ($millions) | 4.1128% | 3,732 |
| Cash dividends to net income (ytd only)* | 55.2171% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 5,463 |
| Loan loss allowance to noncurrent loans | 63.0665% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 2,050 |
| Noncurrent loans to loans | 1.2366% | 1,910 |
| Net loans and leases to total assets | 70.5506% | 2,288 |
| Net loans and leases to deposits | 85.6179% | 2,174 |
| Net loans and leases to core deposits | 96.8014% | 1,766 |
| Total domestic deposits to total assets | 82.4017% | 4,047 |
| Equity capital to assets | 11.2846% | 2,555 |
| Core capital (leverage) ratio | 9.0130% | 4,866 |
| Tier 1 risk-based capital ratio | 10.3925% | 5,822 |
| Total risk-based capital ratio | 11.0550% | 5,964 |
| Memoranda: | ||
| Average total assets | $2,797,797,000 | 296 |
| Average earning assets | $2,449,375,600 | 297 |
| Average equity | $304,847,000 | 299 |
| Average total loans | $1,988,578,000 | 288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 933 |
| Cost of funding earning assets | 0.3210% | 4,092 |
| Net interest margin | 4.4802% | 680 |
| Noninterest income to average assets | 2.2800% | 299 |
| Noninterest expense to average assets | 4.3460% | 461 |
| Loan and lease loss provision to assets | 0.4838% | 212 |
| Net operating income to assets | 0.9073% | 2,930 |
| Return on assets (ROA) | 0.8939% | 3,081 |
| Pretax return on assets | 1.3525% | 2,203 |
| Return on Equity (ROE) | 8.2803% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.8301% | 4,961 |
| Net charge-offs to loans | 0.4877% | 496 |
| Credit loss provision to net charge-offs | 139.5816% | 1,775 |
| Earnings coverage of net charge-offs (x) | 5.3508% | 3,217 |
| Efficiency ratio | 68.6464% | 3,428 |
| Assets per employee ($millions) | 4.0746% | 3,748 |
| Cash dividends to net income (ytd only)* | 77.8983% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 5,628 |
| Loan loss allowance to noncurrent loans | 60.1254% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 2,124 |
| Noncurrent loans to loans | 1.2444% | 2,049 |
| Net loans and leases to total assets | 70.9019% | 2,251 |
| Net loans and leases to deposits | 87.0259% | 2,023 |
| Net loans and leases to core deposits | 99.3914% | 1,567 |
| Total domestic deposits to total assets | 81.4722% | 4,341 |
| Equity capital to assets | 11.4834% | 2,523 |
| Core capital (leverage) ratio | 9.1073% | 4,869 |
| Tier 1 risk-based capital ratio | 10.0608% | 6,024 |
| Total risk-based capital ratio | 10.6800% | 6,134 |
| Memoranda: | ||
| Average total assets | $2,776,481,750 | 303 |
| Average earning assets | $2,429,776,750 | 304 |
| Average equity | $299,723,500 | 309 |
| Average total loans | $1,973,222,000 | 290 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 818 |
| Cost of funding earning assets | 0.3111% | 4,267 |
| Net interest margin | 4.5299% | 602 |
| Noninterest income to average assets | 2.3594% | 291 |
| Noninterest expense to average assets | 4.5220% | 414 |
| Loan and lease loss provision to assets | 0.2449% | 727 |
| Net operating income to assets | 1.0500% | 2,141 |
| Return on assets (ROA) | 1.0443% | 2,274 |
| Pretax return on assets | 1.5614% | 1,447 |
| Return on Equity (ROE) | 9.8901% | 2,124 |
| Retained earnings to average equity (ytd only) | 1.9885% | 4,703 |
| Net charge-offs to loans | -0.0542% | 5,575 |
| Credit loss provision to net charge-offs | -636.9811% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9422% | 3,341 |
| Assets per employee ($millions) | 3.9296% | 4,019 |
| Cash dividends to net income (ytd only)* | 79.8944% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 5,557 |
| Loan loss allowance to noncurrent loans | 48.2465% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 1,742 |
| Noncurrent loans to loans | 1.6918% | 1,530 |
| Net loans and leases to total assets | 71.3849% | 2,093 |
| Net loans and leases to deposits | 87.7492% | 1,872 |
| Net loans and leases to core deposits | 98.0527% | 1,650 |
| Total domestic deposits to total assets | 81.3511% | 4,501 |
| Equity capital to assets | 11.7159% | 2,234 |
| Core capital (leverage) ratio | 9.2981% | 4,555 |
| Tier 1 risk-based capital ratio | 10.5041% | 5,919 |
| Total risk-based capital ratio | 11.1977% | 6,058 |
| Memoranda: | ||
| Average total assets | $2,756,670,670 | 301 |
| Average earning assets | $2,418,827,000 | 305 |
| Average equity | $291,078,000 | 315 |
| Average total loans | $1,955,670,670 | 289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,451 |
| Cost of funding earning assets | 0.3082% | 4,352 |
| Net interest margin | 4.1948% | 1,071 |
| Noninterest income to average assets | 2.4376% | 281 |
| Noninterest expense to average assets | 4.5705% | 410 |
| Loan and lease loss provision to assets | 0.1447% | 1,412 |
| Net operating income to assets | 0.9215% | 2,643 |
| Return on assets (ROA) | 0.9127% | 2,810 |
| Pretax return on assets | 1.4106% | 1,854 |
| Return on Equity (ROE) | 9.1564% | 2,377 |
| Retained earnings to average equity (ytd only) | -4.6794% | 5,914 |
| Net charge-offs to loans | 0.0101% | 2,996 |
| Credit loss provision to net charge-offs | 2,034.6939% | 195 |
| Earnings coverage of net charge-offs (x) | 219.9184% | 264 |
| Efficiency ratio | 72.9312% | 3,000 |
| Assets per employee ($millions) | 4.4448% | 3,144 |
| Cash dividends to net income (ytd only)* | 151.1055% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 5,936 |
| Loan loss allowance to noncurrent loans | 40.7581% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 1,894 |
| Noncurrent loans to loans | 1.6721% | 1,656 |
| Net loans and leases to total assets | 68.7283% | 2,327 |
| Net loans and leases to deposits | 82.7140% | 2,242 |
| Net loans and leases to core deposits | 90.9622% | 2,039 |
| Total domestic deposits to total assets | 83.0915% | 4,154 |
| Equity capital to assets | 10.2920% | 3,784 |
| Core capital (leverage) ratio | 8.0770% | 5,895 |
| Tier 1 risk-based capital ratio | 9.3371% | 6,288 |
| Total risk-based capital ratio | 9.9280% | 6,333 |
| Memoranda: | ||
| Average total assets | $2,755,340,500 | 301 |
| Average earning assets | $2,428,540,500 | 303 |
| Average equity | $274,650,000 | 328 |
| Average total loans | $1,940,794,500 | 286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,476 |
| Cost of funding earning assets | 0.4235% | 3,446 |
| Net interest margin | 4.2049% | 1,286 |
| Noninterest income to average assets | 1.1689% | 883 |
| Noninterest expense to average assets | 3.9883% | 759 |
| Loan and lease loss provision to assets | 0.0052% | 4,510 |
| Net operating income to assets | 0.6699% | 4,038 |
| Return on assets (ROA) | 0.6654% | 4,159 |
| Pretax return on assets | 0.9480% | 3,701 |
| Return on Equity (ROE) | 6.6084% | 3,838 |
| Retained earnings to average equity (ytd only) | -1.0732% | 5,931 |
| Net charge-offs to loans | 0.9340% | 343 |
| Credit loss provision to net charge-offs | 0.8025% | 4,200 |
| Earnings coverage of net charge-offs (x) | 1.4718% | 4,411 |
| Efficiency ratio | 78.1752% | 2,191 |
| Assets per employee ($millions) | 4.5332% | 2,984 |
| Cash dividends to net income (ytd only)* | 116.2393% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 5,232 |
| Loan loss allowance to noncurrent loans | 57.4686% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 1,860 |
| Noncurrent loans to loans | 1.6732% | 1,748 |
| Net loans and leases to total assets | 70.7493% | 2,117 |
| Net loans and leases to deposits | 85.2959% | 2,061 |
| Net loans and leases to core deposits | 99.4419% | 1,428 |
| Total domestic deposits to total assets | 82.9457% | 4,097 |
| Equity capital to assets | 9.7224% | 4,435 |
| Core capital (leverage) ratio | 8.6477% | 5,392 |
| Tier 1 risk-based capital ratio | 10.3376% | 6,168 |
| Total risk-based capital ratio | 11.1718% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,758,363,200 | 410 |
| Average earning assets | $1,580,254,400 | 411 |
| Average equity | $177,047,400 | 447 |
| Average total loans | $1,227,443,800 | 384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,312 |
| Cost of funding earning assets | 0.4245% | 3,526 |
| Net interest margin | 4.2730% | 1,103 |
| Noninterest income to average assets | 1.2186% | 821 |
| Noninterest expense to average assets | 3.6521% | 1,208 |
| Loan and lease loss provision to assets | 0.0705% | 2,939 |
| Net operating income to assets | 0.9146% | 2,839 |
| Return on assets (ROA) | 0.9081% | 2,970 |
| Pretax return on assets | 1.3205% | 2,304 |
| Return on Equity (ROE) | 8.9401% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.4906% | 4,804 |
| Net charge-offs to loans | 1.1901% | 232 |
| Credit loss provision to net charge-offs | 8.5324% | 3,723 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 4,101 |
| Efficiency ratio | 69.8660% | 3,533 |
| Assets per employee ($millions) | 4.3996% | 3,132 |
| Cash dividends to net income (ytd only)* | 72.1416% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 4,842 |
| Loan loss allowance to noncurrent loans | 97.5741% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 2,761 |
| Noncurrent loans to loans | 1.1071% | 2,857 |
| Net loans and leases to total assets | 69.3272% | 2,306 |
| Net loans and leases to deposits | 84.3081% | 2,105 |
| Net loans and leases to core deposits | 98.1518% | 1,515 |
| Total domestic deposits to total assets | 82.2308% | 4,405 |
| Equity capital to assets | 9.9461% | 4,232 |
| Core capital (leverage) ratio | 9.0227% | 5,045 |
| Tier 1 risk-based capital ratio | 10.7271% | 6,119 |
| Total risk-based capital ratio | 11.6675% | 6,187 |
| Memoranda: | ||
| Average total assets | $1,750,305,250 | 408 |
| Average earning assets | $1,570,458,500 | 408 |
| Average equity | $177,787,000 | 442 |
| Average total loans | $1,214,521,500 | 382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 1,198 |
| Cost of funding earning assets | 0.4279% | 3,571 |
| Net interest margin | 4.3115% | 1,002 |
| Noninterest income to average assets | 1.2723% | 731 |
| Noninterest expense to average assets | 3.7430% | 1,063 |
| Loan and lease loss provision to assets | 0.0206% | 3,860 |
| Net operating income to assets | 0.9420% | 2,585 |
| Return on assets (ROA) | 0.9290% | 2,767 |
| Pretax return on assets | 1.3439% | 2,103 |
| Return on Equity (ROE) | 9.0799% | 2,553 |
| Retained earnings to average equity (ytd only) | -0.6482% | 5,804 |
| Net charge-offs to loans | 1.6569% | 152 |
| Credit loss provision to net charge-offs | 1.7982% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.2074% | 3,871 |
| Efficiency ratio | 70.5484% | 3,563 |
| Assets per employee ($millions) | 4.0206% | 3,794 |
| Cash dividends to net income (ytd only)* | 107.1384% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,643 |
| Loan loss allowance to noncurrent loans | 97.6072% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 2,495 |
| Noncurrent loans to loans | 1.1827% | 2,865 |
| Net loans and leases to total assets | 68.3021% | 2,370 |
| Net loans and leases to deposits | 82.3043% | 2,216 |
| Net loans and leases to core deposits | 95.1713% | 1,671 |
| Total domestic deposits to total assets | 82.9873% | 4,312 |
| Equity capital to assets | 10.1789% | 3,861 |
| Core capital (leverage) ratio | 9.0296% | 4,972 |
| Tier 1 risk-based capital ratio | 10.8932% | 6,095 |
| Total risk-based capital ratio | 11.8893% | 6,150 |
| Memoranda: | ||
| Average total assets | $1,728,057,000 | 412 |
| Average earning assets | $1,544,698,670 | 411 |
| Average equity | $176,807,330 | 441 |
| Average total loans | $1,194,873,330 | 385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,211 |
| Cost of funding earning assets | 0.4315% | 3,634 |
| Net interest margin | 4.2916% | 1,014 |
| Noninterest income to average assets | 1.3696% | 620 |
| Noninterest expense to average assets | 3.8190% | 950 |
| Loan and lease loss provision to assets | 0.1178% | 2,007 |
| Net operating income to assets | 0.8633% | 2,835 |
| Return on assets (ROA) | 0.8633% | 2,896 |
| Pretax return on assets | 1.2683% | 2,221 |
| Return on Equity (ROE) | 8.4155% | 2,731 |
| Retained earnings to average equity (ytd only) | 2.7401% | 4,446 |
| Net charge-offs to loans | 3.3292% | 52 |
| Credit loss provision to net charge-offs | 5.1173% | 2,649 |
| Earnings coverage of net charge-offs (x) | 0.6019% | 3,302 |
| Efficiency ratio | 70.7888% | 3,686 |
| Assets per employee ($millions) | 3.9639% | 4,018 |
| Cash dividends to net income (ytd only)* | 67.4400% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 4,525 |
| Loan loss allowance to noncurrent loans | 89.9308% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 2,342 |
| Noncurrent loans to loans | 1.3610% | 2,761 |
| Net loans and leases to total assets | 67.9754% | 2,222 |
| Net loans and leases to deposits | 82.6347% | 1,984 |
| Net loans and leases to core deposits | 93.1745% | 1,622 |
| Total domestic deposits to total assets | 82.2601% | 4,870 |
| Equity capital to assets | 10.4732% | 3,268 |
| Core capital (leverage) ratio | 9.0002% | 5,012 |
| Tier 1 risk-based capital ratio | 11.2824% | 6,029 |
| Total risk-based capital ratio | 12.3321% | 6,071 |
| Memoranda: | ||
| Average total assets | $1,717,601,000 | 412 |
| Average earning assets | $1,535,107,000 | 416 |
| Average equity | $176,198,500 | 442 |
| Average total loans | $1,188,043,000 | 385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 710 |
| Cost of funding earning assets | 0.4959% | 3,655 |
| Net interest margin | 4.6539% | 549 |
| Noninterest income to average assets | 0.9065% | 1,658 |
| Noninterest expense to average assets | 3.7404% | 1,232 |
| Loan and lease loss provision to assets | 0.0105% | 4,914 |
| Net operating income to assets | 0.8717% | 2,919 |
| Return on assets (ROA) | 0.8771% | 2,983 |
| Pretax return on assets | 1.2905% | 2,198 |
| Return on Equity (ROE) | 8.7616% | 2,666 |
| Retained earnings to average equity (ytd only) | 3.5909% | 3,667 |
| Net charge-offs to loans | 0.2473% | 2,491 |
| Credit loss provision to net charge-offs | 6.4288% | 4,633 |
| Earnings coverage of net charge-offs (x) | 7.8904% | 2,767 |
| Efficiency ratio | 71.5793% | 3,557 |
| Assets per employee ($millions) | 3.9786% | 3,904 |
| Cash dividends to net income (ytd only)* | 59.0155% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 1,649 |
| Loan loss allowance to noncurrent loans | 109.6992% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8572% | 1,969 |
| Noncurrent loans to loans | 1.7855% | 2,247 |
| Net loans and leases to total assets | 68.1498% | 2,330 |
| Net loans and leases to deposits | 83.2977% | 2,023 |
| Net loans and leases to core deposits | 94.3050% | 1,580 |
| Total domestic deposits to total assets | 81.8147% | 4,940 |
| Equity capital to assets | 10.0488% | 3,694 |
| Core capital (leverage) ratio | 8.9153% | 5,123 |
| Tier 1 risk-based capital ratio | 10.9276% | 6,203 |
| Total risk-based capital ratio | 12.1837% | 6,153 |
| Memoranda: | ||
| Average total assets | $1,642,030,400 | 421 |
| Average earning assets | $1,456,114,000 | 425 |
| Average equity | $164,387,200 | 456 |
| Average total loans | $1,088,004,800 | 403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 610 |
| Cost of funding earning assets | 0.5081% | 3,691 |
| Net interest margin | 4.7203% | 499 |
| Noninterest income to average assets | 0.9895% | 1,485 |
| Noninterest expense to average assets | 3.7818% | 1,105 |
| Loan and lease loss provision to assets | 0.0499% | 4,016 |
| Net operating income to assets | 0.9556% | 2,560 |
| Return on assets (ROA) | 0.9635% | 2,628 |
| Pretax return on assets | 1.3452% | 2,143 |
| Return on Equity (ROE) | 9.6335% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.6895% | 3,321 |
| Net charge-offs to loans | 0.1606% | 2,949 |
| Credit loss provision to net charge-offs | 47.5667% | 3,567 |
| Earnings coverage of net charge-offs (x) | 13.1837% | 2,051 |
| Efficiency ratio | 70.5293% | 3,667 |
| Assets per employee ($millions) | 3.9869% | 3,856 |
| Cash dividends to net income (ytd only)* | 51.3215% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 1,346 |
| Loan loss allowance to noncurrent loans | 125.3106% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.9164% | 2,114 |
| Noncurrent loans to loans | 1.7475% | 2,573 |
| Net loans and leases to total assets | 66.6522% | 2,531 |
| Net loans and leases to deposits | 81.8478% | 2,157 |
| Net loans and leases to core deposits | 93.1622% | 1,651 |
| Total domestic deposits to total assets | 81.4344% | 5,108 |
| Equity capital to assets | 10.1066% | 3,762 |
| Core capital (leverage) ratio | 9.2148% | 4,813 |
| Tier 1 risk-based capital ratio | 11.1488% | 6,218 |
| Total risk-based capital ratio | 12.4073% | 6,181 |
| Memoranda: | ||
| Average total assets | $1,617,873,750 | 428 |
| Average earning assets | $1,431,470,000 | 433 |
| Average equity | $161,805,500 | 468 |
| Average total loans | $1,057,865,250 | 411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 554 |
| Cost of funding earning assets | 0.5298% | 3,607 |
| Net interest margin | 4.7404% | 471 |
| Noninterest income to average assets | 0.8791% | 1,892 |
| Noninterest expense to average assets | 3.7725% | 1,137 |
| Loan and lease loss provision to assets | -0.0010% | 6,558 |
| Net operating income to assets | 0.9433% | 2,600 |
| Return on assets (ROA) | 0.9612% | 2,655 |
| Pretax return on assets | 1.3279% | 2,201 |
| Return on Equity (ROE) | 9.6471% | 2,347 |
| Retained earnings to average equity (ytd only) | 2.0579% | 4,967 |
| Net charge-offs to loans | 0.1297% | 3,078 |
| Credit loss provision to net charge-offs | -1.2066% | 5,417 |
| Earnings coverage of net charge-offs (x) | 15.5837% | 1,726 |
| Efficiency ratio | 71.6574% | 3,525 |
| Assets per employee ($millions) | 3.8274% | 4,152 |
| Cash dividends to net income (ytd only)* | 78.6679% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 1,261 |
| Loan loss allowance to noncurrent loans | 140.0450% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 2,278 |
| Noncurrent loans to loans | 1.6433% | 2,850 |
| Net loans and leases to total assets | 64.9208% | 2,769 |
| Net loans and leases to deposits | 79.4261% | 2,413 |
| Net loans and leases to core deposits | 88.4537% | 2,063 |
| Total domestic deposits to total assets | 81.7374% | 5,133 |
| Equity capital to assets | 9.8644% | 4,104 |
| Core capital (leverage) ratio | 9.6378% | 4,024 |
| Tier 1 risk-based capital ratio | 11.3435% | 6,177 |
| Total risk-based capital ratio | 12.6027% | 6,144 |
| Memoranda: | ||
| Average total assets | $1,587,044,670 | 436 |
| Average earning assets | $1,404,608,670 | 437 |
| Average equity | $158,120,670 | 476 |
| Average total loans | $1,021,981,670 | 421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6966% | 275 |
| Cost of funding earning assets | 0.5733% | 3,346 |
| Net interest margin | 5.1234% | 224 |
| Noninterest income to average assets | 0.7272% | 2,440 |
| Noninterest expense to average assets | 3.6402% | 1,354 |
| Loan and lease loss provision to assets | -0.0683% | 6,809 |
| Net operating income to assets | 1.1531% | 1,658 |
| Return on assets (ROA) | 1.1313% | 1,859 |
| Pretax return on assets | 1.6526% | 1,186 |
| Return on Equity (ROE) | 11.2943% | 1,621 |
| Retained earnings to average equity (ytd only) | 7.4202% | 1,975 |
| Net charge-offs to loans | 0.1512% | 2,492 |
| Credit loss provision to net charge-offs | -71.3514% | 5,096 |
| Earnings coverage of net charge-offs (x) | 16.8865% | 1,346 |
| Efficiency ratio | 66.5289% | 4,570 |
| Assets per employee ($millions) | 3.6618% | 4,640 |
| Cash dividends to net income (ytd only)* | 34.3014% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6313% | 981 |
| Loan loss allowance to noncurrent loans | 130.8149% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 2,177 |
| Noncurrent loans to loans | 2.0115% | 2,604 |
| Net loans and leases to total assets | 62.0809% | 3,045 |
| Net loans and leases to deposits | 76.6193% | 2,535 |
| Net loans and leases to core deposits | 86.5091% | 2,059 |
| Total domestic deposits to total assets | 81.0251% | 5,490 |
| Equity capital to assets | 10.2541% | 3,852 |
| Core capital (leverage) ratio | 9.1403% | 4,652 |
| Tier 1 risk-based capital ratio | 11.9628% | 5,941 |
| Total risk-based capital ratio | 13.2248% | 5,896 |
| Memoranda: | ||
| Average total assets | $1,546,189,500 | 448 |
| Average earning assets | $1,366,910,000 | 449 |
| Average equity | $154,874,500 | 488 |
| Average total loans | $978,528,500 | 435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 562 |
| Cost of funding earning assets | 0.7309% | 3,248 |
| Net interest margin | 4.8230% | 522 |
| Noninterest income to average assets | 0.8876% | 1,903 |
| Noninterest expense to average assets | 3.7289% | 1,364 |
| Loan and lease loss provision to assets | 0.1358% | 3,928 |
| Net operating income to assets | 0.9317% | 2,639 |
| Return on assets (ROA) | 0.9412% | 2,844 |
| Pretax return on assets | 1.2901% | 2,450 |
| Return on Equity (ROE) | 9.5718% | 2,373 |
| Retained earnings to average equity (ytd only) | 3.8502% | 3,489 |
| Net charge-offs to loans | 0.2778% | 3,271 |
| Credit loss provision to net charge-offs | 76.1975% | 3,961 |
| Earnings coverage of net charge-offs (x) | 7.9257% | 2,508 |
| Efficiency ratio | 69.6202% | 3,880 |
| Assets per employee ($millions) | 3.8458% | 4,278 |
| Cash dividends to net income (ytd only)* | 59.7750% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6566% | 966 |
| Loan loss allowance to noncurrent loans | 142.6005% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.9144% | 2,553 |
| Noncurrent loans to loans | 1.8630% | 2,845 |
| Net loans and leases to total assets | 61.1590% | 3,395 |
| Net loans and leases to deposits | 74.8714% | 2,984 |
| Net loans and leases to core deposits | 85.4173% | 2,387 |
| Total domestic deposits to total assets | 81.6853% | 5,200 |
| Equity capital to assets | 9.7859% | 4,469 |
| Core capital (leverage) ratio | 8.9282% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5626% | 6,051 |
| Total risk-based capital ratio | 12.8256% | 6,012 |
| Memoranda: | ||
| Average total assets | $1,510,777,600 | 449 |
| Average earning assets | $1,332,594,000 | 456 |
| Average equity | $148,561,800 | 488 |
| Average total loans | $969,241,000 | 430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 535 |
| Cost of funding earning assets | 0.7700% | 3,190 |
| Net interest margin | 4.8540% | 521 |
| Noninterest income to average assets | 0.8100% | 2,196 |
| Noninterest expense to average assets | 3.6575% | 1,439 |
| Loan and lease loss provision to assets | 0.2175% | 2,889 |
| Net operating income to assets | 0.8794% | 3,081 |
| Return on assets (ROA) | 0.8603% | 3,416 |
| Pretax return on assets | 1.1920% | 3,013 |
| Return on Equity (ROE) | 8.7375% | 2,932 |
| Retained earnings to average equity (ytd only) | 3.7597% | 4,245 |
| Net charge-offs to loans | 0.3317% | 2,802 |
| Credit loss provision to net charge-offs | 101.6660% | 2,897 |
| Earnings coverage of net charge-offs (x) | 6.7118% | 2,733 |
| Efficiency ratio | 68.8221% | 3,908 |
| Assets per employee ($millions) | 3.7989% | 4,304 |
| Cash dividends to net income (ytd only)* | 56.9712% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7547% | 929 |
| Loan loss allowance to noncurrent loans | 148.4996% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 2,436 |
| Noncurrent loans to loans | 1.8550% | 3,009 |
| Net loans and leases to total assets | 63.0563% | 3,195 |
| Net loans and leases to deposits | 78.1585% | 2,640 |
| Net loans and leases to core deposits | 90.5763% | 1,916 |
| Total domestic deposits to total assets | 80.6774% | 5,461 |
| Equity capital to assets | 10.1388% | 4,295 |
| Core capital (leverage) ratio | 9.0701% | 4,963 |
| Tier 1 risk-based capital ratio | 11.2656% | 6,375 |
| Total risk-based capital ratio | 12.5280% | 6,333 |
| Memoranda: | ||
| Average total assets | $1,496,199,500 | 448 |
| Average earning assets | $1,320,358,000 | 459 |
| Average equity | $147,314,750 | 491 |
| Average total loans | $965,094,000 | 433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 553 |
| Cost of funding earning assets | 0.8095% | 3,117 |
| Net interest margin | 4.8166% | 541 |
| Noninterest income to average assets | 0.7759% | 2,312 |
| Noninterest expense to average assets | 3.6358% | 1,499 |
| Loan and lease loss provision to assets | 0.3031% | 2,167 |
| Net operating income to assets | 0.8121% | 3,349 |
| Return on assets (ROA) | 0.8035% | 3,638 |
| Pretax return on assets | 1.0869% | 3,349 |
| Return on Equity (ROE) | 8.2430% | 3,148 |
| Retained earnings to average equity (ytd only) | 0.6869% | 5,783 |
| Net charge-offs to loans | 0.2315% | 3,182 |
| Credit loss provision to net charge-offs | 203.3243% | 1,407 |
| Earnings coverage of net charge-offs (x) | 9.4034% | 2,173 |
| Efficiency ratio | 69.1036% | 3,917 |
| Assets per employee ($millions) | 3.6959% | 4,526 |
| Cash dividends to net income (ytd only)* | 91.6667% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8662% | 891 |
| Loan loss allowance to noncurrent loans | 84.5450% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.8774% | 1,919 |
| Noncurrent loans to loans | 3.3901% | 1,709 |
| Net loans and leases to total assets | 63.8232% | 3,073 |
| Net loans and leases to deposits | 78.9357% | 2,530 |
| Net loans and leases to core deposits | 90.7936% | 1,896 |
| Total domestic deposits to total assets | 80.8547% | 5,519 |
| Equity capital to assets | 9.8684% | 4,520 |
| Core capital (leverage) ratio | 8.8396% | 5,147 |
| Tier 1 risk-based capital ratio | 11.0849% | 6,457 |
| Total risk-based capital ratio | 12.3491% | 6,422 |
| Memoranda: | ||
| Average total assets | $1,493,479,000 | 450 |
| Average earning assets | $1,321,343,000 | 458 |
| Average equity | $145,578,330 | 492 |
| Average total loans | $961,637,000 | 436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7299% | 489 |
| Cost of funding earning assets | 0.8412% | 3,137 |
| Net interest margin | 4.8887% | 480 |
| Noninterest income to average assets | 0.9374% | 1,608 |
| Noninterest expense to average assets | 3.7194% | 1,349 |
| Loan and lease loss provision to assets | 0.5794% | 996 |
| Net operating income to assets | 0.7480% | 3,635 |
| Return on assets (ROA) | 0.7344% | 3,949 |
| Pretax return on assets | 0.9601% | 3,833 |
| Return on Equity (ROE) | 7.5805% | 3,460 |
| Retained earnings to average equity (ytd only) | 0.6866% | 5,788 |
| Net charge-offs to loans | 0.2905% | 2,508 |
| Credit loss provision to net charge-offs | 312.9870% | 946 |
| Earnings coverage of net charge-offs (x) | 8.4127% | 1,960 |
| Efficiency ratio | 67.4125% | 4,283 |
| Assets per employee ($millions) | 3.7777% | 4,475 |
| Cash dividends to net income (ytd only)* | 90.9422% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9879% | 841 |
| Loan loss allowance to noncurrent loans | 77.9721% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 1,859 |
| Noncurrent loans to loans | 3.8321% | 1,616 |
| Net loans and leases to total assets | 61.9059% | 3,273 |
| Net loans and leases to deposits | 75.8624% | 2,814 |
| Net loans and leases to core deposits | 86.9942% | 2,184 |
| Total domestic deposits to total assets | 81.6028% | 5,427 |
| Equity capital to assets | 9.7342% | 4,476 |
| Core capital (leverage) ratio | 8.4517% | 5,673 |
| Tier 1 risk-based capital ratio | 10.9223% | 6,574 |
| Total risk-based capital ratio | 12.1872% | 6,554 |
| Memoranda: | ||
| Average total assets | $1,497,333,000 | 447 |
| Average earning assets | $1,329,097,000 | 454 |
| Average equity | $145,056,500 | 491 |
| Average total loans | $954,331,500 | 436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8992% | 522 |
| Cost of funding earning assets | 1.0225% | 3,220 |
| Net interest margin | 4.8767% | 536 |
| Noninterest income to average assets | 0.7453% | 2,363 |
| Noninterest expense to average assets | 3.4739% | 2,054 |
| Loan and lease loss provision to assets | 0.2482% | 3,726 |
| Net operating income to assets | 0.9480% | 2,425 |
| Return on assets (ROA) | 0.9366% | 2,582 |
| Pretax return on assets | 1.3363% | 1,996 |
| Return on Equity (ROE) | 10.5225% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.5433% | 1,723 |
| Net charge-offs to loans | 0.5526% | 2,805 |
| Credit loss provision to net charge-offs | 69.9329% | 4,849 |
| Earnings coverage of net charge-offs (x) | 4.5104% | 3,086 |
| Efficiency ratio | 65.2910% | 4,906 |
| Assets per employee ($millions) | 3.8719% | 4,155 |
| Cash dividends to net income (ytd only)* | 37.8163% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7912% | 988 |
| Loan loss allowance to noncurrent loans | 77.8364% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 1,966 |
| Noncurrent loans to loans | 3.5859% | 1,782 |
| Net loans and leases to total assets | 61.8827% | 3,623 |
| Net loans and leases to deposits | 76.4627% | 3,099 |
| Net loans and leases to core deposits | 88.0181% | 2,373 |
| Total domestic deposits to total assets | 80.9320% | 5,470 |
| Equity capital to assets | 9.6419% | 4,683 |
| Core capital (leverage) ratio | 8.4426% | 5,651 |
| Tier 1 risk-based capital ratio | 11.0788% | 6,412 |
| Total risk-based capital ratio | 12.3428% | 6,387 |
| Memoranda: | ||
| Average total assets | $1,552,821,000 | 427 |
| Average earning assets | $1,378,557,600 | 430 |
| Average equity | $138,218,400 | 500 |
| Average total loans | $997,239,800 | 421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9590% | 497 |
| Cost of funding earning assets | 1.0974% | 2,997 |
| Net interest margin | 4.8617% | 555 |
| Noninterest income to average assets | 0.8857% | 1,702 |
| Noninterest expense to average assets | 3.3733% | 2,269 |
| Loan and lease loss provision to assets | 0.3934% | 2,497 |
| Net operating income to assets | 0.9877% | 2,367 |
| Return on assets (ROA) | 0.9851% | 2,535 |
| Pretax return on assets | 1.4222% | 1,875 |
| Return on Equity (ROE) | 11.2942% | 1,761 |
| Retained earnings to average equity (ytd only) | 5.9169% | 2,604 |
| Net charge-offs to loans | 0.6008% | 2,459 |
| Credit loss provision to net charge-offs | 101.7424% | 3,295 |
| Earnings coverage of net charge-offs (x) | 4.7056% | 2,987 |
| Efficiency ratio | 61.8669% | 5,429 |
| Assets per employee ($millions) | 3.9943% | 3,856 |
| Cash dividends to net income (ytd only)* | 47.6108% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9949% | 866 |
| Loan loss allowance to noncurrent loans | 83.0050% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 3.1154% | 2,054 |
| Noncurrent loans to loans | 3.6081% | 1,903 |
| Net loans and leases to total assets | 61.7732% | 3,784 |
| Net loans and leases to deposits | 76.6117% | 3,224 |
| Net loans and leases to core deposits | 84.6511% | 2,965 |
| Total domestic deposits to total assets | 80.6316% | 5,554 |
| Equity capital to assets | 9.4977% | 5,092 |
| Core capital (leverage) ratio | 8.1616% | 6,178 |
| Tier 1 risk-based capital ratio | 11.0315% | 6,522 |
| Total risk-based capital ratio | 12.2981% | 6,503 |
| Memoranda: | ||
| Average total assets | $1,563,515,000 | 425 |
| Average earning assets | $1,385,117,500 | 431 |
| Average equity | $136,373,750 | 516 |
| Average total loans | $1,006,227,750 | 419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9606% | 514 |
| Cost of funding earning assets | 1.0642% | 3,511 |
| Net interest margin | 4.8963% | 496 |
| Noninterest income to average assets | 0.8600% | 1,772 |
| Noninterest expense to average assets | 3.2476% | 2,730 |
| Loan and lease loss provision to assets | 0.6055% | 1,589 |
| Net operating income to assets | 0.9311% | 2,513 |
| Return on assets (ROA) | 0.9262% | 2,640 |
| Pretax return on assets | 1.3318% | 2,032 |
| Return on Equity (ROE) | 10.9247% | 1,821 |
| Retained earnings to average equity (ytd only) | 2.7408% | 4,538 |
| Net charge-offs to loans | 0.6629% | 2,182 |
| Credit loss provision to net charge-offs | 141.4677% | 2,153 |
| Earnings coverage of net charge-offs (x) | 4.5426% | 2,833 |
| Efficiency ratio | 59.4528% | 5,949 |
| Assets per employee ($millions) | 4.1868% | 3,373 |
| Cash dividends to net income (ytd only)* | 74.9115% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9939% | 904 |
| Loan loss allowance to noncurrent loans | 93.5564% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 3.1982% | 2,102 |
| Noncurrent loans to loans | 3.2001% | 2,242 |
| Net loans and leases to total assets | 63.0402% | 3,668 |
| Net loans and leases to deposits | 77.6170% | 3,195 |
| Net loans and leases to core deposits | 85.9946% | 2,908 |
| Total domestic deposits to total assets | 81.2196% | 5,454 |
| Equity capital to assets | 8.8081% | 5,809 |
| Core capital (leverage) ratio | 7.5819% | 6,689 |
| Tier 1 risk-based capital ratio | 10.3339% | 6,853 |
| Total risk-based capital ratio | 11.6013% | 6,841 |
| Memoranda: | ||
| Average total assets | $1,585,400,670 | 428 |
| Average earning assets | $1,402,687,000 | 434 |
| Average equity | $134,411,000 | 521 |
| Average total loans | $1,023,689,670 | 423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9982% | 474 |
| Cost of funding earning assets | 1.0990% | 3,526 |
| Net interest margin | 4.8993% | 468 |
| Noninterest income to average assets | 0.7611% | 2,214 |
| Noninterest expense to average assets | 3.1991% | 2,901 |
| Loan and lease loss provision to assets | 0.5983% | 1,438 |
| Net operating income to assets | 0.8956% | 2,584 |
| Return on assets (ROA) | 0.9164% | 2,543 |
| Pretax return on assets | 1.3249% | 1,964 |
| Return on Equity (ROE) | 11.0134% | 1,740 |
| Retained earnings to average equity (ytd only) | 5.0408% | 3,164 |
| Net charge-offs to loans | 0.1961% | 3,327 |
| Credit loss provision to net charge-offs | 474.0157% | 748 |
| Earnings coverage of net charge-offs (x) | 14.9980% | 1,340 |
| Efficiency ratio | 59.5687% | 6,046 |
| Assets per employee ($millions) | 4.0077% | 3,822 |
| Cash dividends to net income (ytd only)* | 54.2299% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9661% | 944 |
| Loan loss allowance to noncurrent loans | 63.0300% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 3.8463% | 1,739 |
| Noncurrent loans to loans | 4.7058% | 1,471 |
| Net loans and leases to total assets | 62.6405% | 3,727 |
| Net loans and leases to deposits | 75.8911% | 3,437 |
| Net loans and leases to core deposits | 86.5000% | 2,805 |
| Total domestic deposits to total assets | 82.5399% | 5,092 |
| Equity capital to assets | 8.4569% | 5,968 |
| Core capital (leverage) ratio | 7.2166% | 6,912 |
| Tier 1 risk-based capital ratio | 10.1157% | 6,965 |
| Total risk-based capital ratio | 11.3831% | 6,959 |
| Memoranda: | ||
| Average total assets | $1,609,823,000 | 422 |
| Average earning assets | $1,423,152,000 | 429 |
| Average equity | $133,946,000 | 518 |
| Average total loans | $1,036,263,000 | 421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 664 |
| Cost of funding earning assets | 1.6435% | 1,855 |
| Net interest margin | 4.4822% | 1,272 |
| Noninterest income to average assets | 1.4278% | 706 |
| Noninterest expense to average assets | 3.1937% | 3,116 |
| Loan and lease loss provision to assets | 0.8857% | 1,848 |
| Net operating income to assets | 0.9358% | 2,254 |
| Return on assets (ROA) | 0.9242% | 2,424 |
| Pretax return on assets | 1.3033% | 1,917 |
| Return on Equity (ROE) | 11.7893% | 1,369 |
| Retained earnings to average equity (ytd only) | 11.7893% | 292 |
| Net charge-offs to loans | 0.5073% | 3,587 |
| Credit loss provision to net charge-offs | 279.5389% | 971 |
| Earnings coverage of net charge-offs (x) | 6.9601% | 2,232 |
| Efficiency ratio | 56.6377% | 6,507 |
| Assets per employee ($millions) | 4.1227% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7183% | 1,144 |
| Loan loss allowance to noncurrent loans | 53.1691% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 4.1337% | 1,628 |
| Noncurrent loans to loans | 5.1126% | 1,302 |
| Net loans and leases to total assets | 62.4474% | 4,186 |
| Net loans and leases to deposits | 74.7092% | 4,079 |
| Net loans and leases to core deposits | 87.8510% | 3,071 |
| Total domestic deposits to total assets | 83.5874% | 4,565 |
| Equity capital to assets | 8.1879% | 6,274 |
| Core capital (leverage) ratio | 6.9284% | 7,058 |
| Tier 1 risk-based capital ratio | 9.9784% | 6,991 |
| Total risk-based capital ratio | 11.2441% | 6,969 |
| Memoranda: | ||
| Average total assets | $1,533,166,600 | 447 |
| Average earning assets | $1,358,407,400 | 455 |
| Average equity | $120,193,800 | 564 |
| Average total loans | $957,629,000 | 469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0865% | 783 |
| Cost of funding earning assets | 1.7925% | 1,445 |
| Net interest margin | 4.2940% | 1,866 |
| Noninterest income to average assets | 1.0585% | 1,281 |
| Noninterest expense to average assets | 2.7111% | 4,830 |
| Loan and lease loss provision to assets | 0.6936% | 2,210 |
| Net operating income to assets | 1.0359% | 2,118 |
| Return on assets (ROA) | 1.0241% | 2,265 |
| Pretax return on assets | 1.4411% | 1,771 |
| Return on Equity (ROE) | 13.2220% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.2220% | 325 |
| Net charge-offs to loans | 0.2349% | 4,534 |
| Credit loss provision to net charge-offs | 476.3813% | 626 |
| Earnings coverage of net charge-offs (x) | 14.7771% | 1,482 |
| Efficiency ratio | 53.1914% | 6,871 |
| Assets per employee ($millions) | 4.1166% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5149% | 1,300 |
| Loan loss allowance to noncurrent loans | 56.3660% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 3.6309% | 1,962 |
| Noncurrent loans to loans | 4.4617% | 1,625 |
| Net loans and leases to total assets | 61.7404% | 4,585 |
| Net loans and leases to deposits | 74.3104% | 4,452 |
| Net loans and leases to core deposits | 85.4141% | 3,742 |
| Total domestic deposits to total assets | 83.0844% | 4,562 |
| Equity capital to assets | 8.3044% | 6,503 |
| Core capital (leverage) ratio | 6.7847% | 7,257 |
| Tier 1 risk-based capital ratio | 9.5972% | 7,230 |
| Total risk-based capital ratio | 10.8598% | 7,215 |
| Memoranda: | ||
| Average total assets | $1,508,306,500 | 449 |
| Average earning assets | $1,336,189,000 | 456 |
| Average equity | $116,823,000 | 571 |
| Average total loans | $935,034,000 | 478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 962 |
| Cost of funding earning assets | 1.9729% | 974 |
| Net interest margin | 4.0224% | 2,910 |
| Noninterest income to average assets | 1.1640% | 947 |
| Noninterest expense to average assets | 2.6331% | 5,198 |
| Loan and lease loss provision to assets | 0.5515% | 2,569 |
| Net operating income to assets | 1.1009% | 1,852 |
| Return on assets (ROA) | 1.0906% | 1,954 |
| Pretax return on assets | 1.5324% | 1,472 |
| Return on Equity (ROE) | 14.4670% | 946 |
| Retained earnings to average equity (ytd only) | 14.4670% | 280 |
| Net charge-offs to loans | 0.2158% | 4,309 |
| Credit loss provision to net charge-offs | 415.5031% | 875 |
| Earnings coverage of net charge-offs (x) | 15.8101% | 1,434 |
| Efficiency ratio | 53.5194% | 6,932 |
| Assets per employee ($millions) | 4.2549% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,799 |
| Loan loss allowance to noncurrent loans | 57.7647% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.8281% | 2,552 |
| Noncurrent loans to loans | 3.7761% | 2,049 |
| Net loans and leases to total assets | 62.8495% | 4,504 |
| Net loans and leases to deposits | 74.1277% | 4,658 |
| Net loans and leases to core deposits | 88.6836% | 3,458 |
| Total domestic deposits to total assets | 84.7854% | 3,735 |
| Equity capital to assets | 7.7132% | 6,993 |
| Core capital (leverage) ratio | 6.4551% | 7,392 |
| Tier 1 risk-based capital ratio | 9.1861% | 7,378 |
| Total risk-based capital ratio | 10.4452% | 7,369 |
| Memoranda: | ||
| Average total assets | $1,467,678,670 | 459 |
| Average earning assets | $1,301,724,000 | 462 |
| Average equity | $110,638,000 | 594 |
| Average total loans | $902,561,670 | 497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 3,775 |
| Cost of funding earning assets | 1.8152% | 1,818 |
| Net interest margin | 3.4373% | 5,439 |
| Noninterest income to average assets | 1.5989% | 483 |
| Noninterest expense to average assets | 2.3844% | 6,147 |
| Loan and lease loss provision to assets | 0.3363% | 3,372 |
| Net operating income to assets | 1.3716% | 1,141 |
| Return on assets (ROA) | 1.3716% | 1,210 |
| Pretax return on assets | 1.9191% | 710 |
| Return on Equity (ROE) | 18.4465% | 481 |
| Retained earnings to average equity (ytd only) | 18.4465% | 228 |
| Net charge-offs to loans | 0.1537% | 4,003 |
| Credit loss provision to net charge-offs | 365.5172% | 1,115 |
| Earnings coverage of net charge-offs (x) | 24.5110% | 1,012 |
| Efficiency ratio | 50.9730% | 7,246 |
| Assets per employee ($millions) | 8.3871% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 2,216 |
| Loan loss allowance to noncurrent loans | 61.3957% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 3,009 |
| Noncurrent loans to loans | 3.2427% | 2,463 |
| Net loans and leases to total assets | 61.1062% | 4,924 |
| Net loans and leases to deposits | 70.7793% | 5,231 |
| Net loans and leases to core deposits | 90.6170% | 3,280 |
| Total domestic deposits to total assets | 86.3333% | 2,970 |
| Equity capital to assets | 6.8624% | 7,424 |
| Core capital (leverage) ratio | 8.3378% | 5,673 |
| Tier 1 risk-based capital ratio | 8.3201% | 7,578 |
| Total risk-based capital ratio | 9.5773% | 7,589 |
| Memoranda: | ||
| Average total assets | $1,386,705,000 | 497 |
| Average earning assets | $1,226,759,000 | 505 |
| Average equity | $103,109,000 | 644 |
| Average total loans | $830,317,000 | 551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2811% | 1,063 |
| Cost of funding earning assets | 2.4077% | 1,277 |
| Net interest margin | 3.8734% | 3,383 |
| Noninterest income to average assets | 4.8283% | 147 |
| Noninterest expense to average assets | 2.6159% | 5,733 |
| Loan and lease loss provision to assets | 2.3571% | 862 |
| Net operating income to assets | 2.2001% | 145 |
| Return on assets (ROA) | 2.2261% | 149 |
| Pretax return on assets | 3.3648% | 71 |
| Return on Equity (ROE) | 23.3714% | 123 |
| Retained earnings to average equity (ytd only) | 10.8356% | 296 |
| Net charge-offs to loans | 0.8978% | 2,594 |
| Credit loss provision to net charge-offs | 442.9060% | 701 |
| Earnings coverage of net charge-offs (x) | 10.6778% | 1,657 |
| Efficiency ratio | 29.7646% | 7,935 |
| Assets per employee ($millions) | 6.2868% | 1,087 |
| Cash dividends to net income (ytd only)* | 53.6371% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1612% | 675 |
| Loan loss allowance to noncurrent loans | 101.0687% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 3,040 |
| Noncurrent loans to loans | 3.1278% | 2,449 |
| Net loans and leases to total assets | 54.4138% | 6,154 |
| Net loans and leases to deposits | 65.7523% | 6,074 |
| Net loans and leases to core deposits | 74.0252% | 6,529 |
| Total domestic deposits to total assets | 82.7558% | 4,638 |
| Equity capital to assets | 8.2909% | 6,211 |
| Core capital (leverage) ratio | 7.6745% | 6,579 |
| Tier 1 risk-based capital ratio | 12.5594% | 4,478 |
| Total risk-based capital ratio | 13.8296% | 4,406 |
| Memoranda: | ||
| Average total assets | $879,398,000 | 769 |
| Average earning assets | $787,840,600 | 777 |
| Average equity | $83,760,600 | 769 |
| Average total loans | $521,300,800 | 915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 2,537 |
| Cost of funding earning assets | 2.4041% | 1,622 |
| Net interest margin | 3.4752% | 4,972 |
| Noninterest income to average assets | 7.0447% | 104 |
| Noninterest expense to average assets | 2.7354% | 5,172 |
| Loan and lease loss provision to assets | 0.5003% | 3,392 |
| Net operating income to assets | 4.4411% | 32 |
| Return on assets (ROA) | 4.4770% | 33 |
| Pretax return on assets | 7.0074% | 31 |
| Return on Equity (ROE) | 45.0278% | 20 |
| Retained earnings to average equity (ytd only) | 45.0278% | 11 |
| Net charge-offs to loans | 0.4283% | 3,544 |
| Credit loss provision to net charge-offs | 193.6518% | 2,327 |
| Earnings coverage of net charge-offs (x) | 28.8416% | 958 |
| Efficiency ratio | 26.4697% | 8,032 |
| Assets per employee ($millions) | 6.5878% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 6,967 |
| Loan loss allowance to noncurrent loans | 12.3691% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 4.5298% | 1,344 |
| Noncurrent loans to loans | 6.8437% | 800 |
| Net loans and leases to total assets | 53.2182% | 6,470 |
| Net loans and leases to deposits | 66.9333% | 6,218 |
| Net loans and leases to core deposits | 75.7122% | 6,636 |
| Total domestic deposits to total assets | 79.5093% | 5,620 |
| Equity capital to assets | 10.2086% | 3,839 |
| Core capital (leverage) ratio | 9.9186% | 3,378 |
| Tier 1 risk-based capital ratio | 18.5220% | 1,857 |
| Total risk-based capital ratio | 19.4478% | 1,882 |
| Memoranda: | ||
| Average total assets | $821,058,500 | 837 |
| Average earning assets | $742,386,000 | 849 |
| Average equity | $81,636,500 | 801 |
| Average total loans | $495,311,250 | 989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 5,053 |
| Cost of funding earning assets | 2.1596% | 2,990 |
| Net interest margin | 3.2574% | 5,707 |
| Noninterest income to average assets | 11.8024% | 64 |
| Noninterest expense to average assets | 3.1943% | 3,349 |
| Loan and lease loss provision to assets | 0.4726% | 3,160 |
| Net operating income to assets | 6.8610% | 20 |
| Return on assets (ROA) | 6.9103% | 22 |
| Pretax return on assets | 11.1676% | 20 |
| Return on Equity (ROE) | 70.5102% | 11 |
| Retained earnings to average equity (ytd only) | 70.5102% | 8 |
| Net charge-offs to loans | 0.2060% | 4,231 |
| Credit loss provision to net charge-offs | 359.0618% | 1,294 |
| Earnings coverage of net charge-offs (x) | 87.8529% | 438 |
| Efficiency ratio | 21.3502% | 8,138 |
| Assets per employee ($millions) | 6.1544% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 7,044 |
| Loan loss allowance to noncurrent loans | 12.4839% | 7,439 |
| Noncurrent assets plus other real estate owned to assets | 4.2135% | 1,367 |
| Noncurrent loans to loans | 6.6810% | 769 |
| Net loans and leases to total assets | 52.0773% | 6,678 |
| Net loans and leases to deposits | 61.5614% | 6,771 |
| Net loans and leases to core deposits | 69.5891% | 7,043 |
| Total domestic deposits to total assets | 84.5942% | 3,447 |
| Equity capital to assets | 9.8103% | 4,200 |
| Core capital (leverage) ratio | 13.1395% | 1,386 |
| Tier 1 risk-based capital ratio | 17.5025% | 2,151 |
| Total risk-based capital ratio | 18.3538% | 2,220 |
| Memoranda: | ||
| Average total assets | $712,651,000 | 983 |
| Average earning assets | $646,523,330 | 988 |
| Average equity | $69,842,330 | 956 |
| Average total loans | $455,335,670 | 1,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5107% | 4,853 |
| Cost of funding earning assets | 2.2653% | 2,863 |
| Net interest margin | 3.2455% | 5,706 |
| Noninterest income to average assets | 0.9030% | 1,838 |
| Noninterest expense to average assets | 2.9843% | 3,841 |
| Loan and lease loss provision to assets | 0.4658% | 2,611 |
| Net operating income to assets | 0.3247% | 5,190 |
| Return on assets (ROA) | 0.4207% | 4,949 |
| Pretax return on assets | 0.5939% | 4,773 |
| Return on Equity (ROE) | 4.2973% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.2973% | 3,518 |
| Net charge-offs to loans | 0.2851% | 2,973 |
| Credit loss provision to net charge-offs | 213.4058% | 2,112 |
| Earnings coverage of net charge-offs (x) | 4.2355% | 2,934 |
| Efficiency ratio | 74.9949% | 3,667 |
| Assets per employee ($millions) | 3.6309% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,647 |
| Loan loss allowance to noncurrent loans | 40.7501% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 1.9209% | 3,026 |
| Noncurrent loans to loans | 2.2603% | 2,914 |
| Net loans and leases to total assets | 75.5844% | 2,366 |
| Net loans and leases to deposits | 89.2142% | 3,067 |
| Net loans and leases to core deposits | 119.1864% | 2,489 |
| Total domestic deposits to total assets | 84.7225% | 3,346 |
| Equity capital to assets | 9.7311% | 4,332 |
| Core capital (leverage) ratio | 9.9686% | 3,440 |
| Tier 1 risk-based capital ratio | 10.0454% | 6,861 |
| Total risk-based capital ratio | 10.8956% | 7,225 |
| Memoranda: | ||
| Average total assets | $505,849,500 | 1,405 |
| Average earning assets | $468,466,500 | 1,389 |
| Average equity | $49,519,000 | 1,389 |
| Average total loans | $387,275,500 | 1,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1154% | 4,959 |
| Cost of funding earning assets | 2.5560% | 3,922 |
| Net interest margin | 3.5594% | 5,055 |
| Noninterest income to average assets | 0.6056% | 3,804 |
| Noninterest expense to average assets | 3.0989% | 3,695 |
| Loan and lease loss provision to assets | 0.2671% | 4,262 |
| Net operating income to assets | 0.4467% | 4,964 |
| Return on assets (ROA) | 0.4875% | 4,621 |
| Pretax return on assets | 0.6135% | 4,652 |
| Return on Equity (ROE) | 5.0255% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.0255% | 2,012 |
| Net charge-offs to loans | 0.2758% | 3,558 |
| Credit loss provision to net charge-offs | 128.1707% | 4,158 |
| Earnings coverage of net charge-offs (x) | 3.9780% | 4,158 |
| Efficiency ratio | 77.4118% | 3,013 |
| Assets per employee ($millions) | 3.5324% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,252 |
| Loan loss allowance to noncurrent loans | 97.7392% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 3,930 |
| Noncurrent loans to loans | 1.1291% | 4,287 |
| Net loans and leases to total assets | 76.0673% | 2,603 |
| Net loans and leases to deposits | 94.0492% | 2,749 |
| Net loans and leases to core deposits | 133.9263% | 1,600 |
| Total domestic deposits to total assets | 80.8803% | 4,694 |
| Equity capital to assets | 9.8655% | 4,199 |
| Core capital (leverage) ratio | 9.1969% | 4,447 |
| Tier 1 risk-based capital ratio | 10.0736% | 6,656 |
| Total risk-based capital ratio | 11.0634% | 6,832 |
| Memoranda: | ||
| Average total assets | $393,464,200 | 1,723 |
| Average earning assets | $367,253,800 | 1,695 |
| Average equity | $38,165,600 | 1,769 |
| Average total loans | $297,266,000 | 1,623 |