Home > Northfield Bank > Performance and Condition Ratios
Northfield Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 3,895 |
| Cost of funding earning assets | 1.5995% | 1,695 |
| Net interest margin | 2.4422% | 4,149 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.4818% | 4,338 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7122% | 3,162 |
| Return on assets (ROA) | 0.7120% | 3,139 |
| Pretax return on assets | 0.9721% | 2,746 |
| Return on Equity (ROE) | 5.6200% | 3,605 |
| Retained earnings to average equity (ytd only) | -1.9476% | 4,268 |
| Net charge-offs to loans | 0.1518% | 680 |
| Credit loss provision to net charge-offs | 21.0256% | 2,303 |
| Earnings coverage of net charge-offs (x) | 8.6286% | 2,332 |
| Efficiency ratio | 59.6965% | 3,117 |
| Assets per employee ($millions) | 13.9534% | 260 |
| Cash dividends to net income (ytd only)* | 134.6377% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 3,737 |
| Loan loss allowance to noncurrent loans | 265.8851% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 1,951 |
| Noncurrent loans to loans | 0.3358% | 1,976 |
| Net loans and leases to total assets | 74.4600% | 1,297 |
| Net loans and leases to deposits | 105.9166% | 297 |
| Net loans and leases to core deposits | 108.6306% | 1,009 |
| Total domestic deposits to total assets | 70.3000% | 4,279 |
| Equity capital to assets | 12.7108% | 937 |
| Core capital (leverage) ratio | 12.7992% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,570,780,000 | 257 |
| Average earning assets | $5,165,998,200 | 248 |
| Average equity | $705,376,800 | 214 |
| Average total loans | $4,239,044,400 | 228 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,862 |
| Cost of funding earning assets | 1.4849% | 1,655 |
| Net interest margin | 2.5049% | 4,141 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.4794% | 4,328 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7431% | 3,194 |
| Return on assets (ROA) | 0.7427% | 3,187 |
| Pretax return on assets | 1.0144% | 2,814 |
| Return on Equity (ROE) | 5.8700% | 3,664 |
| Retained earnings to average equity (ytd only) | -1.7049% | 4,304 |
| Net charge-offs to loans | 0.1638% | 519 |
| Credit loss provision to net charge-offs | 20.7319% | 2,010 |
| Earnings coverage of net charge-offs (x) | 8.3227% | 2,200 |
| Efficiency ratio | 58.6144% | 3,135 |
| Assets per employee ($millions) | 13.5869% | 264 |
| Cash dividends to net income (ytd only)* | 129.0364% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 3,696 |
| Loan loss allowance to noncurrent loans | 294.0098% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 2,049 |
| Noncurrent loans to loans | 0.3093% | 2,128 |
| Net loans and leases to total assets | 77.1400% | 978 |
| Net loans and leases to deposits | 112.6106% | 151 |
| Net loans and leases to core deposits | 114.7535% | 701 |
| Total domestic deposits to total assets | 68.5000% | 4,361 |
| Equity capital to assets | 12.8399% | 845 |
| Core capital (leverage) ratio | 12.9432% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,564,645,000 | 259 |
| Average earning assets | $5,157,450,750 | 250 |
| Average equity | $703,918,250 | 212 |
| Average total loans | $4,247,892,000 | 232 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,858 |
| Cost of funding earning assets | 1.3356% | 1,620 |
| Net interest margin | 2.5709% | 4,140 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.4770% | 4,355 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7970% | 3,092 |
| Return on assets (ROA) | 0.7965% | 3,098 |
| Pretax return on assets | 1.0949% | 2,660 |
| Return on Equity (ROE) | 6.3300% | 3,620 |
| Retained earnings to average equity (ytd only) | -5.0049% | 4,419 |
| Net charge-offs to loans | 0.1108% | 635 |
| Credit loss provision to net charge-offs | 37.9296% | 1,717 |
| Earnings coverage of net charge-offs (x) | 13.4115% | 1,905 |
| Efficiency ratio | 56.6284% | 3,342 |
| Assets per employee ($millions) | 13.8470% | 245 |
| Cash dividends to net income (ytd only)* | 179.0991% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,561 |
| Loan loss allowance to noncurrent loans | 298.9539% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 1,962 |
| Noncurrent loans to loans | 0.3220% | 1,987 |
| Net loans and leases to total assets | 76.4400% | 1,008 |
| Net loans and leases to deposits | 110.4997% | 196 |
| Net loans and leases to core deposits | 117.6776% | 584 |
| Total domestic deposits to total assets | 69.1800% | 4,378 |
| Equity capital to assets | 12.4787% | 930 |
| Core capital (leverage) ratio | 12.5382% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $5,607,940,667 | 252 |
| Average earning assets | $5,201,390,667 | 246 |
| Average equity | $705,952,333 | 206 |
| Average total loans | $4,253,548,000 | 221 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 3,829 |
| Cost of funding earning assets | 1.1115% | 1,722 |
| Net interest margin | 2.7033% | 4,070 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.4902% | 4,394 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8647% | 2,977 |
| Return on assets (ROA) | 0.8647% | 2,924 |
| Pretax return on assets | 1.1929% | 2,442 |
| Return on Equity (ROE) | 6.8400% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.8399% | 2,540 |
| Net charge-offs to loans | 0.1928% | 376 |
| Credit loss provision to net charge-offs | 42.2494% | 1,312 |
| Earnings coverage of net charge-offs (x) | 8.6504% | 1,713 |
| Efficiency ratio | 54.2223% | 3,579 |
| Assets per employee ($millions) | 14.0478% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,611 |
| Loan loss allowance to noncurrent loans | 334.5660% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,030 |
| Noncurrent loans to loans | 0.2920% | 2,093 |
| Net loans and leases to total assets | 74.2000% | 1,178 |
| Net loans and leases to deposits | 107.8250% | 216 |
| Net loans and leases to core deposits | 113.8553% | 583 |
| Total domestic deposits to total assets | 68.8100% | 4,447 |
| Equity capital to assets | 12.7714% | 810 |
| Core capital (leverage) ratio | 12.9698% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $5,642,516,000 | 260 |
| Average earning assets | $5,235,066,500 | 252 |
| Average equity | $713,344,000 | 210 |
| Average total loans | $4,242,812,500 | 228 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 3,185 |
| Cost of funding earning assets | 0.3892% | 2,183 |
| Net interest margin | 3.0697% | 3,260 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.3588% | 4,533 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1228% | 2,079 |
| Return on assets (ROA) | 1.1268% | 2,011 |
| Pretax return on assets | 1.5577% | 1,274 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.6450% | 2,388 |
| Net charge-offs to loans | 0.0206% | 1,677 |
| Credit loss provision to net charge-offs | 535.3644% | 651 |
| Earnings coverage of net charge-offs (x) | 109.0167% | 929 |
| Efficiency ratio | 45.3223% | 4,383 |
| Assets per employee ($millions) | 14.0947% | 239 |
| Cash dividends to net income (ytd only)* | 27.2267% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,350 |
| Loan loss allowance to noncurrent loans | 330.6463% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 1,998 |
| Noncurrent loans to loans | 0.3037% | 2,052 |
| Net loans and leases to total assets | 74.7000% | 1,155 |
| Net loans and leases to deposits | 99.6303% | 454 |
| Net loans and leases to core deposits | 111.4390% | 563 |
| Total domestic deposits to total assets | 74.9800% | 4,317 |
| Equity capital to assets | 12.5124% | 801 |
| Core capital (leverage) ratio | 12.6843% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $5,588,003,800 | 252 |
| Average earning assets | $5,195,033,200 | 248 |
| Average equity | $689,557,200 | 218 |
| Average total loans | $4,061,955,800 | 223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 3,007 |
| Cost of funding earning assets | 0.2947% | 2,231 |
| Net interest margin | 3.0674% | 3,031 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.3005% | 4,578 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1457% | 1,908 |
| Return on assets (ROA) | 1.1507% | 1,863 |
| Pretax return on assets | 1.5903% | 1,140 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.0262% | 2,747 |
| Net charge-offs to loans | 0.0114% | 1,691 |
| Credit loss provision to net charge-offs | 945.6395% | 420 |
| Earnings coverage of net charge-offs (x) | 202.1337% | 618 |
| Efficiency ratio | 43.8073% | 4,470 |
| Assets per employee ($millions) | 14.3267% | 227 |
| Cash dividends to net income (ytd only)* | 35.6033% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,550 |
| Loan loss allowance to noncurrent loans | 331.9043% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,124 |
| Noncurrent loans to loans | 0.2971% | 2,177 |
| Net loans and leases to total assets | 73.9300% | 1,103 |
| Net loans and leases to deposits | 93.7077% | 651 |
| Net loans and leases to core deposits | 102.0787% | 740 |
| Total domestic deposits to total assets | 78.8900% | 4,186 |
| Equity capital to assets | 11.9683% | 892 |
| Core capital (leverage) ratio | 12.2970% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $5,579,062,000 | 254 |
| Average earning assets | $5,192,207,750 | 248 |
| Average equity | $686,029,750 | 217 |
| Average total loans | $4,016,521,250 | 224 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2403% | 2,922 |
| Cost of funding earning assets | 0.2670% | 2,061 |
| Net interest margin | 2.9733% | 2,964 |
| Noninterest income to average assets | 0.0800% | 4,554 |
| Noninterest expense to average assets | 1.3272% | 4,578 |
| Loan and lease loss provision to assets | 0.0199% | 2,245 |
| Net operating income to assets | 1.0907% | 1,808 |
| Return on assets (ROA) | 1.0982% | 1,752 |
| Pretax return on assets | 1.5121% | 1,138 |
| Return on Equity (ROE) | 8.8505% | 2,747 |
| Retained earnings to average equity (ytd only) | 3.8657% | 3,135 |
| Net charge-offs to loans | 0.0251% | 1,224 |
| Credit loss provision to net charge-offs | 111.5385% | 1,214 |
| Earnings coverage of net charge-offs (x) | 85.4109% | 898 |
| Efficiency ratio | 46.4717% | 4,429 |
| Assets per employee ($millions) | 14.5191% | 218 |
| Cash dividends to net income (ytd only)* | 56.3229% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,798 |
| Loan loss allowance to noncurrent loans | 284.3167% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 2,118 |
| Noncurrent loans to loans | 0.3337% | 2,139 |
| Net loans and leases to total assets | 71.9685% | 1,104 |
| Net loans and leases to deposits | 90.1218% | 713 |
| Net loans and leases to core deposits | 95.8272% | 840 |
| Total domestic deposits to total assets | 79.8570% | 4,240 |
| Equity capital to assets | 12.0920% | 846 |
| Core capital (leverage) ratio | 12.1938% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,542,850,000 | 251 |
| Average earning assets | $5,163,134,000 | 248 |
| Average equity | $687,800,333 | 213 |
| Average total loans | $3,939,800,000 | 224 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 2,840 |
| Cost of funding earning assets | 0.2727% | 1,902 |
| Net interest margin | 2.8741% | 2,913 |
| Noninterest income to average assets | 0.1056% | 4,476 |
| Noninterest expense to average assets | 1.3437% | 4,592 |
| Loan and lease loss provision to assets | 0.0293% | 1,841 |
| Net operating income to assets | 1.0263% | 1,777 |
| Return on assets (ROA) | 1.0415% | 1,715 |
| Pretax return on assets | 1.4301% | 1,179 |
| Return on Equity (ROE) | 8.2843% | 2,588 |
| Retained earnings to average equity (ytd only) | -1.6630% | 4,218 |
| Net charge-offs to loans | 0.0104% | 1,378 |
| Credit loss provision to net charge-offs | 401.0000% | 584 |
| Earnings coverage of net charge-offs (x) | 197.4000% | 434 |
| Efficiency ratio | 48.1643% | 4,397 |
| Assets per employee ($millions) | 14.6307% | 219 |
| Cash dividends to net income (ytd only)* | 120.0742% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,691 |
| Loan loss allowance to noncurrent loans | 344.3879% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,386 |
| Noncurrent loans to loans | 0.2925% | 2,423 |
| Net loans and leases to total assets | 69.7834% | 1,042 |
| Net loans and leases to deposits | 88.6506% | 582 |
| Net loans and leases to core deposits | 90.3576% | 908 |
| Total domestic deposits to total assets | 78.7174% | 4,364 |
| Equity capital to assets | 12.2173% | 880 |
| Core capital (leverage) ratio | 12.0714% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,483,057,000 | 258 |
| Average earning assets | $5,109,265,000 | 251 |
| Average equity | $689,351,000 | 216 |
| Average total loans | $3,852,599,000 | 226 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 3,004 |
| Cost of funding earning assets | 0.3392% | 2,031 |
| Net interest margin | 3.0309% | 3,108 |
| Noninterest income to average assets | 0.2368% | 3,960 |
| Noninterest expense to average assets | 1.4316% | 4,601 |
| Loan and lease loss provision to assets | -0.1130% | 4,565 |
| Net operating income to assets | 1.2753% | 1,675 |
| Return on assets (ROA) | 1.2968% | 1,656 |
| Pretax return on assets | 1.7777% | 961 |
| Return on Equity (ROE) | 10.3223% | 2,405 |
| Retained earnings to average equity (ytd only) | 0.1513% | 4,447 |
| Net charge-offs to loans | 0.0729% | 1,061 |
| Credit loss provision to net charge-offs | -220.6208% | 3,537 |
| Earnings coverage of net charge-offs (x) | 31.9604% | 1,565 |
| Efficiency ratio | 46.5289% | 4,475 |
| Assets per employee ($millions) | 14.1187% | 235 |
| Cash dividends to net income (ytd only)* | 98.5343% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,647 |
| Loan loss allowance to noncurrent loans | 352.9843% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,543 |
| Noncurrent loans to loans | 0.2900% | 2,552 |
| Net loans and leases to total assets | 69.3129% | 1,120 |
| Net loans and leases to deposits | 89.5102% | 583 |
| Net loans and leases to core deposits | 91.5944% | 902 |
| Total domestic deposits to total assets | 77.4357% | 4,440 |
| Equity capital to assets | 12.9337% | 919 |
| Core capital (leverage) ratio | 12.2435% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,471,468,200 | 254 |
| Average earning assets | $5,112,480,200 | 248 |
| Average equity | $687,406,800 | 218 |
| Average total loans | $3,843,399,400 | 225 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 3,117 |
| Cost of funding earning assets | 0.3563% | 2,052 |
| Net interest margin | 3.0382% | 3,211 |
| Noninterest income to average assets | 0.2239% | 4,063 |
| Noninterest expense to average assets | 1.4071% | 4,682 |
| Loan and lease loss provision to assets | -0.1514% | 4,688 |
| Net operating income to assets | 1.3140% | 1,778 |
| Return on assets (ROA) | 1.3328% | 1,787 |
| Pretax return on assets | 1.8325% | 1,087 |
| Return on Equity (ROE) | 10.6865% | 2,485 |
| Retained earnings to average equity (ytd only) | -2.9520% | 4,745 |
| Net charge-offs to loans | 0.0995% | 736 |
| Credit loss provision to net charge-offs | -216.5275% | 3,412 |
| Earnings coverage of net charge-offs (x) | 23.7035% | 1,662 |
| Efficiency ratio | 45.7971% | 4,515 |
| Assets per employee ($millions) | 14.5915% | 222 |
| Cash dividends to net income (ytd only)* | 127.6235% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,782 |
| Loan loss allowance to noncurrent loans | 359.8333% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,777 |
| Noncurrent loans to loans | 0.2829% | 2,782 |
| Net loans and leases to total assets | 69.9795% | 1,076 |
| Net loans and leases to deposits | 90.1211% | 600 |
| Net loans and leases to core deposits | 92.5314% | 899 |
| Total domestic deposits to total assets | 77.6505% | 4,453 |
| Equity capital to assets | 12.7776% | 1,063 |
| Core capital (leverage) ratio | 11.9707% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,480,408,500 | 252 |
| Average earning assets | $5,123,656,750 | 246 |
| Average equity | $683,499,250 | 221 |
| Average total loans | $3,852,595,000 | 227 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 3,092 |
| Cost of funding earning assets | 0.3801% | 2,050 |
| Net interest margin | 3.0480% | 3,183 |
| Noninterest income to average assets | 0.2522% | 3,887 |
| Noninterest expense to average assets | 1.4166% | 4,704 |
| Loan and lease loss provision to assets | -0.2206% | 4,780 |
| Net operating income to assets | 1.3853% | 1,603 |
| Return on assets (ROA) | 1.4026% | 1,625 |
| Pretax return on assets | 1.9293% | 955 |
| Return on Equity (ROE) | 11.3375% | 2,292 |
| Retained earnings to average equity (ytd only) | -9.1842% | 4,861 |
| Net charge-offs to loans | 0.1237% | 629 |
| Credit loss provision to net charge-offs | -254.0778% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.4262% | 1,543 |
| Efficiency ratio | 45.5300% | 4,538 |
| Assets per employee ($millions) | 14.3168% | 222 |
| Cash dividends to net income (ytd only)* | 181.0076% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,699 |
| Loan loss allowance to noncurrent loans | 322.3129% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,788 |
| Noncurrent loans to loans | 0.3210% | 2,767 |
| Net loans and leases to total assets | 69.6230% | 1,244 |
| Net loans and leases to deposits | 90.2280% | 639 |
| Net loans and leases to core deposits | 94.4848% | 881 |
| Total domestic deposits to total assets | 77.1633% | 4,506 |
| Equity capital to assets | 12.4541% | 1,152 |
| Core capital (leverage) ratio | 11.3710% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,507,591,333 | 251 |
| Average earning assets | $5,151,824,333 | 246 |
| Average equity | $681,384,000 | 217 |
| Average total loans | $3,864,473,667 | 228 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 3,010 |
| Cost of funding earning assets | 0.3899% | 2,177 |
| Net interest margin | 3.0813% | 3,050 |
| Noninterest income to average assets | 0.1830% | 4,279 |
| Noninterest expense to average assets | 1.3968% | 4,748 |
| Loan and lease loss provision to assets | -0.1711% | 4,792 |
| Net operating income to assets | 1.3456% | 1,694 |
| Return on assets (ROA) | 1.3511% | 1,770 |
| Pretax return on assets | 1.8485% | 1,199 |
| Return on Equity (ROE) | 10.9566% | 2,378 |
| Retained earnings to average equity (ytd only) | -29.9185% | 4,950 |
| Net charge-offs to loans | 0.2457% | 342 |
| Credit loss provision to net charge-offs | -99.4137% | 2,827 |
| Earnings coverage of net charge-offs (x) | 9.7027% | 1,526 |
| Efficiency ratio | 45.4225% | 4,504 |
| Assets per employee ($millions) | 14.8039% | 209 |
| Cash dividends to net income (ytd only)* | 373.0644% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,440 |
| Loan loss allowance to noncurrent loans | 316.3920% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 2,900 |
| Noncurrent loans to loans | 0.3471% | 2,849 |
| Net loans and leases to total assets | 69.6964% | 1,332 |
| Net loans and leases to deposits | 91.8932% | 599 |
| Net loans and leases to core deposits | 98.2131% | 797 |
| Total domestic deposits to total assets | 75.8450% | 4,588 |
| Equity capital to assets | 11.7709% | 1,401 |
| Core capital (leverage) ratio | 10.9208% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,548,359,500 | 249 |
| Average earning assets | $5,193,370,000 | 242 |
| Average equity | $684,192,500 | 215 |
| Average total loans | $3,888,074,000 | 230 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 4,135 |
| Cost of funding earning assets | 0.8086% | 1,171 |
| Net interest margin | 2.6327% | 4,460 |
| Noninterest income to average assets | 0.2126% | 4,215 |
| Noninterest expense to average assets | 1.4656% | 4,804 |
| Loan and lease loss provision to assets | 0.2429% | 1,599 |
| Net operating income to assets | 0.7110% | 3,396 |
| Return on assets (ROA) | 0.7158% | 3,511 |
| Pretax return on assets | 0.9629% | 3,170 |
| Return on Equity (ROE) | 5.5887% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.1811% | 3,241 |
| Net charge-offs to loans | 0.1061% | 1,410 |
| Credit loss provision to net charge-offs | 331.6242% | 1,630 |
| Earnings coverage of net charge-offs (x) | 16.3758% | 2,137 |
| Efficiency ratio | 54.8271% | 4,112 |
| Assets per employee ($millions) | 14.5916% | 196 |
| Cash dividends to net income (ytd only)* | 43.0790% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,948 |
| Loan loss allowance to noncurrent loans | 232.9266% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 2,825 |
| Noncurrent loans to loans | 0.4201% | 2,719 |
| Net loans and leases to total assets | 68.9953% | 1,689 |
| Net loans and leases to deposits | 92.4089% | 754 |
| Net loans and leases to core deposits | 95.8365% | 1,126 |
| Total domestic deposits to total assets | 74.6630% | 4,598 |
| Equity capital to assets | 12.8986% | 1,132 |
| Core capital (leverage) ratio | 11.9570% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,244,824,400 | 244 |
| Average earning assets | $4,886,050,800 | 237 |
| Average equity | $671,803,000 | 211 |
| Average total loans | $3,622,066,200 | 238 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 4,269 |
| Cost of funding earning assets | 0.9199% | 1,000 |
| Net interest margin | 2.5426% | 4,621 |
| Noninterest income to average assets | 0.1872% | 4,350 |
| Noninterest expense to average assets | 1.4390% | 4,847 |
| Loan and lease loss provision to assets | 0.2645% | 1,539 |
| Net operating income to assets | 0.6285% | 3,696 |
| Return on assets (ROA) | 0.6305% | 3,781 |
| Pretax return on assets | 0.8521% | 3,509 |
| Return on Equity (ROE) | 4.9318% | 3,912 |
| Retained earnings to average equity (ytd only) | 1.6737% | 4,036 |
| Net charge-offs to loans | 0.0097% | 2,759 |
| Credit loss provision to net charge-offs | 3,949.6154% | 276 |
| Earnings coverage of net charge-offs (x) | 166.3654% | 560 |
| Efficiency ratio | 56.1994% | 3,899 |
| Assets per employee ($millions) | 14.2036% | 196 |
| Cash dividends to net income (ytd only)* | 66.0622% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,528 |
| Loan loss allowance to noncurrent loans | 204.7707% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,791 |
| Noncurrent loans to loans | 0.5067% | 2,529 |
| Net loans and leases to total assets | 65.9891% | 2,522 |
| Net loans and leases to deposits | 88.4259% | 1,434 |
| Net loans and leases to core deposits | 93.3464% | 1,683 |
| Total domestic deposits to total assets | 74.6265% | 4,534 |
| Equity capital to assets | 12.4723% | 1,442 |
| Core capital (leverage) ratio | 11.8627% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,177,122,750 | 241 |
| Average earning assets | $4,817,198,000 | 236 |
| Average equity | $661,893,500 | 211 |
| Average total loans | $3,566,799,500 | 237 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 4,309 |
| Cost of funding earning assets | 1.0296% | 901 |
| Net interest margin | 2.5427% | 4,705 |
| Noninterest income to average assets | 0.1702% | 4,443 |
| Noninterest expense to average assets | 1.2979% | 4,949 |
| Loan and lease loss provision to assets | 0.4012% | 1,006 |
| Net operating income to assets | 0.6178% | 3,678 |
| Return on assets (ROA) | 0.6197% | 3,753 |
| Pretax return on assets | 0.8372% | 3,486 |
| Return on Equity (ROE) | 4.8035% | 3,885 |
| Retained earnings to average equity (ytd only) | -0.1742% | 4,343 |
| Net charge-offs to loans | 0.0166% | 2,398 |
| Credit loss provision to net charge-offs | 3,472.1649% | 317 |
| Earnings coverage of net charge-offs (x) | 106.9794% | 670 |
| Efficiency ratio | 51.0498% | 4,434 |
| Assets per employee ($millions) | 13.7605% | 209 |
| Cash dividends to net income (ytd only)* | 103.6263% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,213 |
| Loan loss allowance to noncurrent loans | 282.2185% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 3,239 |
| Noncurrent loans to loans | 0.3803% | 3,052 |
| Net loans and leases to total assets | 70.3122% | 1,985 |
| Net loans and leases to deposits | 96.5102% | 755 |
| Net loans and leases to core deposits | 103.1985% | 1,050 |
| Total domestic deposits to total assets | 72.8547% | 4,658 |
| Equity capital to assets | 12.9384% | 1,197 |
| Core capital (leverage) ratio | 11.8561% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,037,421,333 | 244 |
| Average earning assets | $4,682,876,667 | 238 |
| Average equity | $649,866,000 | 216 |
| Average total loans | $3,511,860,333 | 238 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,455 |
| Cost of funding earning assets | 1.1258% | 968 |
| Net interest margin | 2.5325% | 4,807 |
| Noninterest income to average assets | 0.0108% | 5,041 |
| Noninterest expense to average assets | 1.2178% | 5,024 |
| Loan and lease loss provision to assets | 0.6506% | 410 |
| Net operating income to assets | 0.3684% | 4,199 |
| Return on assets (ROA) | 0.3676% | 4,241 |
| Pretax return on assets | 0.4933% | 4,135 |
| Return on Equity (ROE) | 2.8533% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.8533% | 3,140 |
| Net charge-offs to loans | 0.0104% | 2,204 |
| Credit loss provision to net charge-offs | 9,092.2222% | 84 |
| Earnings coverage of net charge-offs (x) | 160.0111% | 410 |
| Efficiency ratio | 51.3561% | 4,587 |
| Assets per employee ($millions) | 13.7437% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,451 |
| Loan loss allowance to noncurrent loans | 263.8939% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 3,332 |
| Noncurrent loans to loans | 0.3974% | 3,062 |
| Net loans and leases to total assets | 69.4092% | 2,333 |
| Net loans and leases to deposits | 98.2065% | 688 |
| Net loans and leases to core deposits | 110.3038% | 840 |
| Total domestic deposits to total assets | 70.6768% | 4,833 |
| Equity capital to assets | 13.0700% | 1,396 |
| Core capital (leverage) ratio | 12.2388% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,031,081,500 | 237 |
| Average earning assets | $4,672,292,000 | 235 |
| Average equity | $648,097,500 | 219 |
| Average total loans | $3,473,111,000 | 237 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,603 |
| Cost of funding earning assets | 1.2530% | 882 |
| Net interest margin | 2.5194% | 4,958 |
| Noninterest income to average assets | 0.3026% | 3,877 |
| Noninterest expense to average assets | 1.5397% | 4,985 |
| Loan and lease loss provision to assets | 0.0005% | 3,971 |
| Net operating income to assets | 0.8390% | 3,422 |
| Return on assets (ROA) | 0.8476% | 3,482 |
| Pretax return on assets | 1.1097% | 3,134 |
| Return on Equity (ROE) | 6.3488% | 3,800 |
| Retained earnings to average equity (ytd only) | -0.2007% | 4,730 |
| Net charge-offs to loans | -0.0357% | 4,750 |
| Credit loss provision to net charge-offs | -1.8519% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1340% | 3,943 |
| Assets per employee ($millions) | 13.7113% | 156 |
| Cash dividends to net income (ytd only)* | 103.1616% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 4,200 |
| Loan loss allowance to noncurrent loans | 202.5614% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,302 |
| Noncurrent loans to loans | 0.4123% | 2,964 |
| Net loans and leases to total assets | 67.3664% | 2,775 |
| Net loans and leases to deposits | 98.4663% | 718 |
| Net loans and leases to core deposits | 111.1133% | 795 |
| Total domestic deposits to total assets | 68.4157% | 4,983 |
| Equity capital to assets | 12.6958% | 1,708 |
| Core capital (leverage) ratio | 12.2791% | 1,611 |
| Tier 1 risk-based capital ratio | 14.9927% | 2,781 |
| Total risk-based capital ratio | 15.7316% | 2,927 |
| Memoranda: | ||
| Average total assets | $4,720,654,200 | 243 |
| Average earning assets | $4,377,665,800 | 235 |
| Average equity | $630,227,000 | 215 |
| Average total loans | $3,326,408,200 | 235 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 4,677 |
| Cost of funding earning assets | 1.2485% | 916 |
| Net interest margin | 2.5524% | 5,032 |
| Noninterest income to average assets | 0.2953% | 3,972 |
| Noninterest expense to average assets | 1.5573% | 5,039 |
| Loan and lease loss provision to assets | -0.0216% | 5,080 |
| Net operating income to assets | 0.8559% | 3,501 |
| Return on assets (ROA) | 0.8635% | 3,547 |
| Pretax return on assets | 1.1353% | 3,186 |
| Return on Equity (ROE) | 6.3827% | 3,924 |
| Retained earnings to average equity (ytd only) | -2.3920% | 4,956 |
| Net charge-offs to loans | -0.0533% | 4,852 |
| Credit loss provision to net charge-offs | 56.8613% | 2,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2986% | 3,893 |
| Assets per employee ($millions) | 12.5925% | 185 |
| Cash dividends to net income (ytd only)* | 137.4754% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,285 |
| Loan loss allowance to noncurrent loans | 193.6922% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 3,342 |
| Noncurrent loans to loans | 0.4319% | 3,012 |
| Net loans and leases to total assets | 69.1651% | 2,597 |
| Net loans and leases to deposits | 98.2008% | 801 |
| Net loans and leases to core deposits | 110.2027% | 943 |
| Total domestic deposits to total assets | 70.4323% | 4,977 |
| Equity capital to assets | 13.1059% | 1,563 |
| Core capital (leverage) ratio | 12.4406% | 1,605 |
| Tier 1 risk-based capital ratio | 15.0909% | 2,805 |
| Total risk-based capital ratio | 15.8300% | 2,962 |
| Memoranda: | ||
| Average total assets | $4,635,952,750 | 247 |
| Average earning assets | $4,297,323,000 | 238 |
| Average equity | $627,198,500 | 217 |
| Average total loans | $3,298,739,000 | 241 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,765 |
| Cost of funding earning assets | 1.2176% | 944 |
| Net interest margin | 2.5365% | 5,109 |
| Noninterest income to average assets | 0.2471% | 4,273 |
| Noninterest expense to average assets | 1.6379% | 5,031 |
| Loan and lease loss provision to assets | 0.0240% | 3,327 |
| Net operating income to assets | 0.7329% | 3,889 |
| Return on assets (ROA) | 0.7403% | 3,929 |
| Pretax return on assets | 0.9460% | 3,722 |
| Return on Equity (ROE) | 5.4127% | 4,232 |
| Retained earnings to average equity (ytd only) | -7.7723% | 5,131 |
| Net charge-offs to loans | 0.0131% | 2,663 |
| Credit loss provision to net charge-offs | 255.8140% | 997 |
| Earnings coverage of net charge-offs (x) | 102.2698% | 686 |
| Efficiency ratio | 62.8037% | 3,320 |
| Assets per employee ($millions) | 12.8140% | 168 |
| Cash dividends to net income (ytd only)* | 243.5940% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 4,326 |
| Loan loss allowance to noncurrent loans | 186.5541% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,286 |
| Noncurrent loans to loans | 0.4468% | 2,931 |
| Net loans and leases to total assets | 69.4582% | 2,607 |
| Net loans and leases to deposits | 98.4724% | 799 |
| Net loans and leases to core deposits | 110.1473% | 969 |
| Total domestic deposits to total assets | 70.5358% | 5,027 |
| Equity capital to assets | 12.9107% | 1,632 |
| Core capital (leverage) ratio | 12.6152% | 1,479 |
| Tier 1 risk-based capital ratio | 14.6872% | 2,974 |
| Total risk-based capital ratio | 15.4213% | 3,147 |
| Memoranda: | ||
| Average total assets | $4,577,820,330 | 248 |
| Average earning assets | $4,243,841,670 | 241 |
| Average equity | $626,118,000 | 217 |
| Average total loans | $3,279,936,000 | 242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,717 |
| Cost of funding earning assets | 1.1983% | 906 |
| Net interest margin | 2.5961% | 5,139 |
| Noninterest income to average assets | 0.2813% | 3,999 |
| Noninterest expense to average assets | 1.6953% | 5,020 |
| Loan and lease loss provision to assets | 0.0053% | 3,360 |
| Net operating income to assets | 0.7686% | 3,716 |
| Return on assets (ROA) | 0.7795% | 3,738 |
| Pretax return on assets | 1.0037% | 3,423 |
| Return on Equity (ROE) | 5.5344% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.5344% | 2,681 |
| Net charge-offs to loans | 0.0086% | 2,382 |
| Credit loss provision to net charge-offs | 84.2857% | 1,754 |
| Earnings coverage of net charge-offs (x) | 159.3429% | 483 |
| Efficiency ratio | 62.7823% | 3,413 |
| Assets per employee ($millions) | 12.2506% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,372 |
| Loan loss allowance to noncurrent loans | 202.5050% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,414 |
| Noncurrent loans to loans | 0.4169% | 3,097 |
| Net loans and leases to total assets | 70.8410% | 2,352 |
| Net loans and leases to deposits | 94.5829% | 1,104 |
| Net loans and leases to core deposits | 105.9715% | 1,175 |
| Total domestic deposits to total assets | 74.8983% | 4,867 |
| Equity capital to assets | 14.0396% | 1,025 |
| Core capital (leverage) ratio | 13.5480% | 1,081 |
| Tier 1 risk-based capital ratio | 15.9944% | 2,443 |
| Total risk-based capital ratio | 16.7385% | 2,576 |
| Memoranda: | ||
| Average total assets | $4,483,323,000 | 251 |
| Average earning assets | $4,160,410,500 | 244 |
| Average equity | $631,463,500 | 218 |
| Average total loans | $3,250,515,000 | 245 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 4,516 |
| Cost of funding earning assets | 0.9562% | 903 |
| Net interest margin | 2.8331% | 4,989 |
| Noninterest income to average assets | 0.1899% | 4,766 |
| Noninterest expense to average assets | 1.5794% | 5,177 |
| Loan and lease loss provision to assets | 0.0624% | 2,910 |
| Net operating income to assets | 0.9538% | 3,205 |
| Return on assets (ROA) | 0.9572% | 3,189 |
| Pretax return on assets | 1.1815% | 2,957 |
| Return on Equity (ROE) | 6.5790% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.8725% | 3,451 |
| Net charge-offs to loans | 0.0400% | 2,601 |
| Credit loss provision to net charge-offs | 204.6166% | 1,407 |
| Earnings coverage of net charge-offs (x) | 40.6307% | 1,288 |
| Efficiency ratio | 55.7483% | 4,440 |
| Assets per employee ($millions) | 12.3169% | 182 |
| Cash dividends to net income (ytd only)* | 41.1379% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,364 |
| Loan loss allowance to noncurrent loans | 197.9483% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,295 |
| Noncurrent loans to loans | 0.4281% | 3,006 |
| Net loans and leases to total assets | 72.9725% | 2,106 |
| Net loans and leases to deposits | 96.7182% | 1,000 |
| Net loans and leases to core deposits | 109.9340% | 1,008 |
| Total domestic deposits to total assets | 75.4485% | 4,819 |
| Equity capital to assets | 14.1314% | 931 |
| Core capital (leverage) ratio | 13.8134% | 979 |
| Tier 1 risk-based capital ratio | 15.9988% | 2,404 |
| Total risk-based capital ratio | 16.7557% | 2,541 |
| Memoranda: | ||
| Average total assets | $4,188,510,600 | 252 |
| Average earning assets | $3,886,990,000 | 251 |
| Average equity | $609,394,400 | 214 |
| Average total loans | $3,191,903,200 | 244 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,508 |
| Cost of funding earning assets | 0.9028% | 910 |
| Net interest margin | 2.8669% | 5,019 |
| Noninterest income to average assets | 0.2356% | 4,562 |
| Noninterest expense to average assets | 1.6325% | 5,185 |
| Loan and lease loss provision to assets | 0.0648% | 2,674 |
| Net operating income to assets | 0.9671% | 3,231 |
| Return on assets (ROA) | 0.9718% | 3,225 |
| Pretax return on assets | 1.2020% | 2,975 |
| Return on Equity (ROE) | 6.6284% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.7793% | 2,770 |
| Net charge-offs to loans | 0.0202% | 2,736 |
| Credit loss provision to net charge-offs | 417.4636% | 800 |
| Earnings coverage of net charge-offs (x) | 81.2720% | 869 |
| Efficiency ratio | 56.1443% | 4,372 |
| Assets per employee ($millions) | 12.0421% | 196 |
| Cash dividends to net income (ytd only)* | 12.8099% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,402 |
| Loan loss allowance to noncurrent loans | 185.4703% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,285 |
| Noncurrent loans to loans | 0.4655% | 2,992 |
| Net loans and leases to total assets | 74.1591% | 1,953 |
| Net loans and leases to deposits | 100.2995% | 761 |
| Net loans and leases to core deposits | 112.7097% | 882 |
| Total domestic deposits to total assets | 73.9376% | 4,980 |
| Equity capital to assets | 14.4188% | 850 |
| Core capital (leverage) ratio | 14.0086% | 935 |
| Tier 1 risk-based capital ratio | 16.4687% | 2,281 |
| Total risk-based capital ratio | 17.2529% | 2,386 |
| Memoranda: | ||
| Average total assets | $4,133,280,000 | 257 |
| Average earning assets | $3,831,996,250 | 250 |
| Average equity | $605,964,750 | 214 |
| Average total loans | $3,178,586,500 | 240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,496 |
| Cost of funding earning assets | 0.8393% | 970 |
| Net interest margin | 2.8962% | 5,019 |
| Noninterest income to average assets | 0.2291% | 4,649 |
| Noninterest expense to average assets | 1.6522% | 5,231 |
| Loan and lease loss provision to assets | 0.0345% | 3,224 |
| Net operating income to assets | 1.0246% | 2,916 |
| Return on assets (ROA) | 1.0316% | 2,886 |
| Pretax return on assets | 1.2334% | 2,801 |
| Return on Equity (ROE) | 6.9964% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.7141% | 2,717 |
| Net charge-offs to loans | -0.0011% | 3,896 |
| Credit loss provision to net charge-offs | -3,911.1111% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4642% | 4,423 |
| Assets per employee ($millions) | 12.1025% | 185 |
| Cash dividends to net income (ytd only)* | 18.3273% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,590 |
| Loan loss allowance to noncurrent loans | 233.5129% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 3,585 |
| Noncurrent loans to loans | 0.3575% | 3,416 |
| Net loans and leases to total assets | 76.2574% | 1,592 |
| Net loans and leases to deposits | 106.3836% | 419 |
| Net loans and leases to core deposits | 119.0936% | 583 |
| Total domestic deposits to total assets | 71.6816% | 5,201 |
| Equity capital to assets | 14.5461% | 796 |
| Core capital (leverage) ratio | 14.1641% | 868 |
| Tier 1 risk-based capital ratio | 16.4771% | 2,264 |
| Total risk-based capital ratio | 17.2557% | 2,378 |
| Memoranda: | ||
| Average total assets | $4,082,048,330 | 258 |
| Average earning assets | $3,780,859,000 | 253 |
| Average equity | $601,909,330 | 209 |
| Average total loans | $3,169,159,330 | 237 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,424 |
| Cost of funding earning assets | 0.7959% | 969 |
| Net interest margin | 2.9241% | 4,989 |
| Noninterest income to average assets | 0.2331% | 4,617 |
| Noninterest expense to average assets | 1.6789% | 5,263 |
| Loan and lease loss provision to assets | 0.0034% | 3,471 |
| Net operating income to assets | 1.0317% | 2,728 |
| Return on assets (ROA) | 1.0362% | 2,724 |
| Pretax return on assets | 1.2626% | 2,500 |
| Return on Equity (ROE) | 6.9783% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.9783% | 2,288 |
| Net charge-offs to loans | 0.0028% | 2,639 |
| Credit loss provision to net charge-offs | 154.5455% | 1,215 |
| Earnings coverage of net charge-offs (x) | 577.1818% | 109 |
| Efficiency ratio | 56.8322% | 4,484 |
| Assets per employee ($millions) | 11.5582% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,700 |
| Loan loss allowance to noncurrent loans | 251.2432% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 3,754 |
| Noncurrent loans to loans | 0.3311% | 3,583 |
| Net loans and leases to total assets | 76.6960% | 1,425 |
| Net loans and leases to deposits | 106.1182% | 377 |
| Net loans and leases to core deposits | 117.2110% | 684 |
| Total domestic deposits to total assets | 72.2741% | 5,268 |
| Equity capital to assets | 14.8024% | 719 |
| Core capital (leverage) ratio | 14.2423% | 820 |
| Tier 1 risk-based capital ratio | 16.7485% | 2,194 |
| Total risk-based capital ratio | 17.5289% | 2,314 |
| Memoranda: | ||
| Average total assets | $4,029,347,000 | 259 |
| Average earning assets | $3,729,336,000 | 255 |
| Average equity | $598,309,500 | 212 |
| Average total loans | $3,143,676,500 | 238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 4,364 |
| Cost of funding earning assets | 0.6925% | 1,069 |
| Net interest margin | 2.9959% | 4,893 |
| Noninterest income to average assets | 0.2932% | 4,363 |
| Noninterest expense to average assets | 1.7006% | 5,334 |
| Loan and lease loss provision to assets | 0.0361% | 3,545 |
| Net operating income to assets | 0.6336% | 3,877 |
| Return on assets (ROA) | 0.6364% | 3,901 |
| Pretax return on assets | 1.3206% | 2,280 |
| Return on Equity (ROE) | 4.1713% | 4,454 |
| Retained earnings to average equity (ytd only) | -0.6497% | 5,137 |
| Net charge-offs to loans | -0.0050% | 4,641 |
| Credit loss provision to net charge-offs | -916.2338% | 5,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3811% | 4,825 |
| Assets per employee ($millions) | 11.8054% | 197 |
| Cash dividends to net income (ytd only)* | 115.5744% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,727 |
| Loan loss allowance to noncurrent loans | 251.4176% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,760 |
| Noncurrent loans to loans | 0.3313% | 3,581 |
| Net loans and leases to total assets | 78.0575% | 1,283 |
| Net loans and leases to deposits | 108.4341% | 311 |
| Net loans and leases to core deposits | 119.2992% | 610 |
| Total domestic deposits to total assets | 71.9861% | 5,321 |
| Equity capital to assets | 14.8961% | 699 |
| Core capital (leverage) ratio | 14.1503% | 804 |
| Tier 1 risk-based capital ratio | 16.6955% | 2,204 |
| Total risk-based capital ratio | 17.4903% | 2,287 |
| Memoranda: | ||
| Average total assets | $3,910,686,200 | 258 |
| Average earning assets | $3,602,357,000 | 251 |
| Average equity | $596,619,800 | 202 |
| Average total loans | $3,065,300,800 | 237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,425 |
| Cost of funding earning assets | 0.6717% | 1,113 |
| Net interest margin | 2.9871% | 4,946 |
| Noninterest income to average assets | 0.3151% | 4,282 |
| Noninterest expense to average assets | 1.7239% | 5,347 |
| Loan and lease loss provision to assets | 0.0470% | 3,164 |
| Net operating income to assets | 0.9114% | 2,968 |
| Return on assets (ROA) | 0.9114% | 3,029 |
| Pretax return on assets | 1.2931% | 2,524 |
| Return on Equity (ROE) | 5.9380% | 4,156 |
| Retained earnings to average equity (ytd only) | -0.4838% | 5,291 |
| Net charge-offs to loans | -0.0058% | 4,490 |
| Credit loss provision to net charge-offs | -1,030.8271% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9366% | 4,748 |
| Assets per employee ($millions) | 11.7542% | 192 |
| Cash dividends to net income (ytd only)* | 108.1478% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,807 |
| Loan loss allowance to noncurrent loans | 251.0002% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,946 |
| Noncurrent loans to loans | 0.3318% | 3,759 |
| Net loans and leases to total assets | 77.5235% | 1,342 |
| Net loans and leases to deposits | 111.9730% | 217 |
| Net loans and leases to core deposits | 122.3130% | 505 |
| Total domestic deposits to total assets | 69.2341% | 5,501 |
| Equity capital to assets | 14.8443% | 765 |
| Core capital (leverage) ratio | 14.3851% | 796 |
| Tier 1 risk-based capital ratio | 16.5959% | 2,289 |
| Total risk-based capital ratio | 17.3878% | 2,388 |
| Memoranda: | ||
| Average total assets | $3,890,805,000 | 260 |
| Average earning assets | $3,580,537,750 | 253 |
| Average equity | $597,178,500 | 201 |
| Average total loans | $3,046,421,250 | 239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 4,347 |
| Cost of funding earning assets | 0.6565% | 1,109 |
| Net interest margin | 2.9988% | 4,917 |
| Noninterest income to average assets | 0.3420% | 4,106 |
| Noninterest expense to average assets | 1.7482% | 5,369 |
| Loan and lease loss provision to assets | 0.0459% | 3,074 |
| Net operating income to assets | 0.9584% | 2,616 |
| Return on assets (ROA) | 0.9583% | 2,677 |
| Pretax return on assets | 1.3051% | 2,362 |
| Return on Equity (ROE) | 6.1732% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.7252% | 4,075 |
| Net charge-offs to loans | -0.0084% | 4,477 |
| Credit loss provision to net charge-offs | -700.7937% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0757% | 4,821 |
| Assets per employee ($millions) | 11.2189% | 215 |
| Cash dividends to net income (ytd only)* | 55.8548% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 4,842 |
| Loan loss allowance to noncurrent loans | 236.8421% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,921 |
| Noncurrent loans to loans | 0.3545% | 3,759 |
| Net loans and leases to total assets | 78.3641% | 1,185 |
| Net loans and leases to deposits | 111.8131% | 230 |
| Net loans and leases to core deposits | 121.4701% | 500 |
| Total domestic deposits to total assets | 70.0849% | 5,531 |
| Equity capital to assets | 15.6303% | 586 |
| Core capital (leverage) ratio | 14.6794% | 701 |
| Tier 1 risk-based capital ratio | 17.4621% | 2,020 |
| Total risk-based capital ratio | 18.2683% | 2,105 |
| Memoranda: | ||
| Average total assets | $3,851,674,000 | 262 |
| Average earning assets | $3,541,618,670 | 256 |
| Average equity | $597,908,000 | 203 |
| Average total loans | $3,017,430,670 | 241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6269% | 4,345 |
| Cost of funding earning assets | 0.6370% | 1,147 |
| Net interest margin | 2.9899% | 4,909 |
| Noninterest income to average assets | 0.4309% | 3,440 |
| Noninterest expense to average assets | 1.8010% | 5,374 |
| Loan and lease loss provision to assets | 0.0387% | 3,028 |
| Net operating income to assets | 1.0374% | 2,133 |
| Return on assets (ROA) | 1.0374% | 2,183 |
| Pretax return on assets | 1.3394% | 2,101 |
| Return on Equity (ROE) | 6.7057% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.7057% | 1,975 |
| Net charge-offs to loans | -0.0421% | 5,104 |
| Credit loss provision to net charge-offs | -117.7215% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3305% | 4,901 |
| Assets per employee ($millions) | 11.0163% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,973 |
| Loan loss allowance to noncurrent loans | 222.0232% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 3,921 |
| Noncurrent loans to loans | 0.3753% | 3,749 |
| Net loans and leases to total assets | 78.2640% | 1,094 |
| Net loans and leases to deposits | 111.5571% | 185 |
| Net loans and leases to core deposits | 120.0355% | 462 |
| Total domestic deposits to total assets | 70.1560% | 5,626 |
| Equity capital to assets | 15.6487% | 550 |
| Core capital (leverage) ratio | 14.9190% | 621 |
| Tier 1 risk-based capital ratio | 17.6669% | 1,989 |
| Total risk-based capital ratio | 18.4727% | 2,063 |
| Memoranda: | ||
| Average total assets | $3,847,853,000 | 264 |
| Average earning assets | $3,536,792,500 | 258 |
| Average equity | $595,250,500 | 200 |
| Average total loans | $3,001,184,500 | 240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 4,121 |
| Cost of funding earning assets | 0.6744% | 933 |
| Net interest margin | 3.0570% | 4,831 |
| Noninterest income to average assets | 0.2674% | 4,816 |
| Noninterest expense to average assets | 1.9762% | 5,234 |
| Loan and lease loss provision to assets | 0.0174% | 4,032 |
| Net operating income to assets | 0.7149% | 3,713 |
| Return on assets (ROA) | 0.7204% | 3,803 |
| Pretax return on assets | 1.0897% | 3,143 |
| Return on Equity (ROE) | 4.6367% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.0454% | 4,375 |
| Net charge-offs to loans | 0.0294% | 3,431 |
| Credit loss provision to net charge-offs | 78.3951% | 2,996 |
| Earnings coverage of net charge-offs (x) | 49.5210% | 1,013 |
| Efficiency ratio | 63.8714% | 3,955 |
| Assets per employee ($millions) | 11.0662% | 222 |
| Cash dividends to net income (ytd only)* | 55.8872% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 5,025 |
| Loan loss allowance to noncurrent loans | 162.5686% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 3,610 |
| Noncurrent loans to loans | 0.5097% | 3,319 |
| Net loans and leases to total assets | 76.4339% | 1,446 |
| Net loans and leases to deposits | 107.6051% | 285 |
| Net loans and leases to core deposits | 113.8505% | 704 |
| Total domestic deposits to total assets | 71.0318% | 5,615 |
| Equity capital to assets | 15.2909% | 599 |
| Core capital (leverage) ratio | 14.5510% | 684 |
| Tier 1 risk-based capital ratio | 17.7510% | 1,922 |
| Total risk-based capital ratio | 18.5560% | 2,019 |
| Memoranda: | ||
| Average total assets | $3,650,945,400 | 259 |
| Average earning assets | $3,352,986,400 | 259 |
| Average equity | $567,279,400 | 199 |
| Average total loans | $2,757,777,400 | 244 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,095 |
| Cost of funding earning assets | 0.6835% | 889 |
| Net interest margin | 3.0625% | 4,871 |
| Noninterest income to average assets | 0.2667% | 4,864 |
| Noninterest expense to average assets | 2.0636% | 5,075 |
| Loan and lease loss provision to assets | 0.0131% | 3,988 |
| Net operating income to assets | 0.6628% | 4,028 |
| Return on assets (ROA) | 0.6683% | 4,129 |
| Pretax return on assets | 1.0105% | 3,595 |
| Return on Equity (ROE) | 4.2826% | 4,800 |
| Retained earnings to average equity (ytd only) | 0.7944% | 5,148 |
| Net charge-offs to loans | 0.0387% | 2,858 |
| Credit loss provision to net charge-offs | 45.2229% | 3,093 |
| Earnings coverage of net charge-offs (x) | 34.9338% | 1,346 |
| Efficiency ratio | 66.6170% | 3,484 |
| Assets per employee ($millions) | 10.8785% | 222 |
| Cash dividends to net income (ytd only)* | 81.4495% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 5,091 |
| Loan loss allowance to noncurrent loans | 133.8171% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 3,512 |
| Noncurrent loans to loans | 0.6237% | 3,143 |
| Net loans and leases to total assets | 76.3898% | 1,458 |
| Net loans and leases to deposits | 108.9489% | 282 |
| Net loans and leases to core deposits | 115.6744% | 668 |
| Total domestic deposits to total assets | 70.1153% | 5,686 |
| Equity capital to assets | 15.4130% | 645 |
| Core capital (leverage) ratio | 14.4939% | 725 |
| Tier 1 risk-based capital ratio | 17.5656% | 2,053 |
| Total risk-based capital ratio | 18.3721% | 2,147 |
| Memoranda: | ||
| Average total assets | $3,600,925,250 | 259 |
| Average earning assets | $3,306,732,750 | 256 |
| Average equity | $561,885,000 | 200 |
| Average total loans | $2,705,200,750 | 245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,030 |
| Cost of funding earning assets | 0.7042% | 786 |
| Net interest margin | 3.0735% | 4,906 |
| Noninterest income to average assets | 0.2575% | 4,937 |
| Noninterest expense to average assets | 2.1777% | 4,897 |
| Loan and lease loss provision to assets | -0.0066% | 5,758 |
| Net operating income to assets | 0.5994% | 4,272 |
| Return on assets (ROA) | 0.6071% | 4,363 |
| Pretax return on assets | 0.9193% | 3,879 |
| Return on Equity (ROE) | 3.8736% | 4,957 |
| Retained earnings to average equity (ytd only) | -1.4268% | 5,483 |
| Net charge-offs to loans | 0.0255% | 2,965 |
| Credit loss provision to net charge-offs | -34.8214% | 4,501 |
| Earnings coverage of net charge-offs (x) | 47.4554% | 1,027 |
| Efficiency ratio | 70.3192% | 2,931 |
| Assets per employee ($millions) | 10.5133% | 239 |
| Cash dividends to net income (ytd only)* | 136.8333% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 5,061 |
| Loan loss allowance to noncurrent loans | 120.2681% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 3,411 |
| Noncurrent loans to loans | 0.7226% | 2,925 |
| Net loans and leases to total assets | 74.1069% | 1,819 |
| Net loans and leases to deposits | 105.2527% | 394 |
| Net loans and leases to core deposits | 112.7365% | 779 |
| Total domestic deposits to total assets | 70.4085% | 5,764 |
| Equity capital to assets | 15.3553% | 656 |
| Core capital (leverage) ratio | 14.6325% | 686 |
| Tier 1 risk-based capital ratio | 17.7569% | 2,000 |
| Total risk-based capital ratio | 18.5825% | 2,085 |
| Memoranda: | ||
| Average total assets | $3,539,324,670 | 263 |
| Average earning assets | $3,248,866,000 | 261 |
| Average equity | $554,681,670 | 201 |
| Average total loans | $2,634,851,330 | 252 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,854 |
| Cost of funding earning assets | 0.7193% | 732 |
| Net interest margin | 3.1069% | 4,841 |
| Noninterest income to average assets | 0.2534% | 4,932 |
| Noninterest expense to average assets | 2.4789% | 4,134 |
| Loan and lease loss provision to assets | -0.0152% | 5,899 |
| Net operating income to assets | 0.4256% | 4,919 |
| Return on assets (ROA) | 0.4295% | 4,983 |
| Pretax return on assets | 0.6475% | 4,683 |
| Return on Equity (ROE) | 2.7106% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7106% | 4,157 |
| Net charge-offs to loans | 0.0409% | 2,183 |
| Credit loss provision to net charge-offs | -50.1916% | 4,156 |
| Earnings coverage of net charge-offs (x) | 20.6245% | 1,456 |
| Efficiency ratio | 79.4020% | 1,683 |
| Assets per employee ($millions) | 10.1461% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 5,083 |
| Loan loss allowance to noncurrent loans | 113.7936% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 3,313 |
| Noncurrent loans to loans | 0.7839% | 2,882 |
| Net loans and leases to total assets | 73.7435% | 1,767 |
| Net loans and leases to deposits | 105.6804% | 355 |
| Net loans and leases to core deposits | 113.7539% | 678 |
| Total domestic deposits to total assets | 69.7797% | 5,874 |
| Equity capital to assets | 15.7384% | 563 |
| Core capital (leverage) ratio | 15.0649% | 594 |
| Tier 1 risk-based capital ratio | 18.7552% | 1,788 |
| Total risk-based capital ratio | 19.6216% | 1,849 |
| Memoranda: | ||
| Average total assets | $3,437,611,000 | 265 |
| Average earning assets | $3,155,388,000 | 267 |
| Average equity | $544,666,500 | 202 |
| Average total loans | $2,553,299,500 | 254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5678% | 4,757 |
| Cost of funding earning assets | 0.7201% | 736 |
| Net interest margin | 2.8477% | 5,429 |
| Noninterest income to average assets | 0.2515% | 5,088 |
| Noninterest expense to average assets | 1.8463% | 5,678 |
| Loan and lease loss provision to assets | 0.0113% | 4,183 |
| Net operating income to assets | 0.6310% | 4,133 |
| Return on assets (ROA) | 0.6322% | 4,220 |
| Pretax return on assets | 1.0091% | 3,432 |
| Return on Equity (ROE) | 3.8120% | 5,022 |
| Retained earnings to average equity (ytd only) | -1.1951% | 5,685 |
| Net charge-offs to loans | 0.0867% | 2,587 |
| Credit loss provision to net charge-offs | 18.8699% | 3,757 |
| Earnings coverage of net charge-offs (x) | 16.9366% | 2,103 |
| Efficiency ratio | 64.2084% | 4,215 |
| Assets per employee ($millions) | 11.0426% | 196 |
| Cash dividends to net income (ytd only)* | 131.3521% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,359 |
| Loan loss allowance to noncurrent loans | 155.9333% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 3,644 |
| Noncurrent loans to loans | 0.6692% | 3,191 |
| Net loans and leases to total assets | 73.3507% | 1,835 |
| Net loans and leases to deposits | 112.5556% | 191 |
| Net loans and leases to core deposits | 124.1999% | 375 |
| Total domestic deposits to total assets | 65.1684% | 6,027 |
| Equity capital to assets | 15.9659% | 523 |
| Core capital (leverage) ratio | 15.7189% | 500 |
| Tier 1 risk-based capital ratio | 20.1874% | 1,447 |
| Total risk-based capital ratio | 21.2070% | 1,465 |
| Memoranda: | ||
| Average total assets | $3,118,994,600 | 270 |
| Average earning assets | $2,862,524,200 | 270 |
| Average equity | $517,267,800 | 202 |
| Average total loans | $2,163,121,200 | 269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,890 |
| Cost of funding earning assets | 0.7141% | 781 |
| Net interest margin | 2.8244% | 5,538 |
| Noninterest income to average assets | 0.2462% | 5,172 |
| Noninterest expense to average assets | 1.8536% | 5,706 |
| Loan and lease loss provision to assets | 0.0203% | 3,869 |
| Net operating income to assets | 0.6056% | 4,357 |
| Return on assets (ROA) | 0.6072% | 4,447 |
| Pretax return on assets | 0.9658% | 3,758 |
| Return on Equity (ROE) | 3.6262% | 5,172 |
| Retained earnings to average equity (ytd only) | 1.7757% | 4,989 |
| Net charge-offs to loans | 0.0701% | 2,563 |
| Credit loss provision to net charge-offs | 42.5609% | 3,132 |
| Earnings coverage of net charge-offs (x) | 20.6114% | 1,862 |
| Efficiency ratio | 65.0472% | 4,054 |
| Assets per employee ($millions) | 10.5339% | 223 |
| Cash dividends to net income (ytd only)* | 51.0313% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 4,113 |
| Loan loss allowance to noncurrent loans | 120.2484% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 3,215 |
| Noncurrent loans to loans | 0.9315% | 2,646 |
| Net loans and leases to total assets | 71.1876% | 2,197 |
| Net loans and leases to deposits | 107.7335% | 311 |
| Net loans and leases to core deposits | 124.4900% | 364 |
| Total domestic deposits to total assets | 66.0775% | 6,092 |
| Equity capital to assets | 16.4781% | 494 |
| Core capital (leverage) ratio | 16.2186% | 459 |
| Tier 1 risk-based capital ratio | 20.9669% | 1,343 |
| Total risk-based capital ratio | 22.0496% | 1,353 |
| Memoranda: | ||
| Average total assets | $3,098,156,250 | 278 |
| Average earning assets | $2,842,138,000 | 276 |
| Average equity | $518,764,000 | 204 |
| Average total loans | $2,110,472,750 | 276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,876 |
| Cost of funding earning assets | 0.7111% | 801 |
| Net interest margin | 2.8324% | 5,551 |
| Noninterest income to average assets | 0.2648% | 5,057 |
| Noninterest expense to average assets | 1.8490% | 5,784 |
| Loan and lease loss provision to assets | 0.0177% | 3,774 |
| Net operating income to assets | 0.6093% | 4,298 |
| Return on assets (ROA) | 0.6111% | 4,407 |
| Pretax return on assets | 0.9955% | 3,604 |
| Return on Equity (ROE) | 3.6298% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.6298% | 3,717 |
| Net charge-offs to loans | 0.1022% | 1,984 |
| Credit loss provision to net charge-offs | 25.9542% | 2,962 |
| Earnings coverage of net charge-offs (x) | 14.8025% | 2,033 |
| Efficiency ratio | 64.2961% | 4,308 |
| Assets per employee ($millions) | 10.5511% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 4,040 |
| Loan loss allowance to noncurrent loans | 106.1045% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 3,056 |
| Noncurrent loans to loans | 1.0911% | 2,469 |
| Net loans and leases to total assets | 69.2840% | 2,445 |
| Net loans and leases to deposits | 109.0984% | 282 |
| Net loans and leases to core deposits | 126.3479% | 330 |
| Total domestic deposits to total assets | 63.5060% | 6,211 |
| Equity capital to assets | 16.6027% | 456 |
| Core capital (leverage) ratio | 16.6202% | 396 |
| Tier 1 risk-based capital ratio | 21.5334% | 1,277 |
| Total risk-based capital ratio | 22.6397% | 1,278 |
| Memoranda: | ||
| Average total assets | $3,070,464,330 | 278 |
| Average earning assets | $2,812,726,670 | 278 |
| Average equity | $516,949,670 | 208 |
| Average total loans | $2,050,531,000 | 280 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,783 |
| Cost of funding earning assets | 0.7227% | 762 |
| Net interest margin | 2.8447% | 5,560 |
| Noninterest income to average assets | 0.2774% | 4,952 |
| Noninterest expense to average assets | 1.8594% | 5,813 |
| Loan and lease loss provision to assets | 0.0264% | 3,358 |
| Net operating income to assets | 0.6621% | 3,997 |
| Return on assets (ROA) | 0.6621% | 4,121 |
| Pretax return on assets | 0.9945% | 3,532 |
| Return on Equity (ROE) | 3.9043% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.9043% | 3,659 |
| Net charge-offs to loans | 0.1204% | 1,543 |
| Credit loss provision to net charge-offs | 33.6700% | 2,242 |
| Earnings coverage of net charge-offs (x) | 13.0337% | 1,749 |
| Efficiency ratio | 64.1000% | 4,465 |
| Assets per employee ($millions) | 10.1633% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 3,443 |
| Loan loss allowance to noncurrent loans | 106.4841% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 3,061 |
| Noncurrent loans to loans | 1.2132% | 2,344 |
| Net loans and leases to total assets | 64.8981% | 2,962 |
| Net loans and leases to deposits | 108.4531% | 245 |
| Net loans and leases to core deposits | 117.3406% | 476 |
| Total domestic deposits to total assets | 59.8397% | 6,324 |
| Equity capital to assets | 17.0225% | 421 |
| Core capital (leverage) ratio | 16.4767% | 417 |
| Tier 1 risk-based capital ratio | 22.0879% | 1,224 |
| Total risk-based capital ratio | 23.2520% | 1,225 |
| Memoranda: | ||
| Average total assets | $3,033,585,500 | 280 |
| Average earning assets | $2,775,698,500 | 278 |
| Average equity | $514,412,000 | 207 |
| Average total loans | $1,973,817,000 | 284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,055 |
| Cost of funding earning assets | 0.6473% | 1,424 |
| Net interest margin | 2.9652% | 5,519 |
| Noninterest income to average assets | 0.2882% | 5,056 |
| Noninterest expense to average assets | 1.8362% | 6,022 |
| Loan and lease loss provision to assets | 0.0230% | 4,146 |
| Net operating income to assets | 0.7161% | 3,810 |
| Return on assets (ROA) | 0.7249% | 3,876 |
| Pretax return on assets | 1.1384% | 2,937 |
| Return on Equity (ROE) | 3.9111% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.9111% | 3,429 |
| Net charge-offs to loans | 0.0234% | 4,371 |
| Credit loss provision to net charge-offs | 165.3846% | 1,476 |
| Earnings coverage of net charge-offs (x) | 82.5308% | 609 |
| Efficiency ratio | 61.0399% | 5,060 |
| Assets per employee ($millions) | 9.9939% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 3,160 |
| Loan loss allowance to noncurrent loans | 105.2944% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 3,072 |
| Noncurrent loans to loans | 1.2851% | 2,306 |
| Net loans and leases to total assets | 63.5054% | 3,291 |
| Net loans and leases to deposits | 113.9128% | 166 |
| Net loans and leases to core deposits | 119.1165% | 432 |
| Total domestic deposits to total assets | 55.7491% | 6,435 |
| Equity capital to assets | 16.8913% | 432 |
| Core capital (leverage) ratio | 16.4579% | 419 |
| Tier 1 risk-based capital ratio | 21.7696% | 1,258 |
| Total risk-based capital ratio | 22.9479% | 1,248 |
| Memoranda: | ||
| Average total assets | $2,804,434,000 | 279 |
| Average earning assets | $2,549,650,000 | 276 |
| Average equity | $519,781,200 | 199 |
| Average total loans | $1,668,808,600 | 305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 5,112 |
| Cost of funding earning assets | 0.6362% | 1,555 |
| Net interest margin | 2.9757% | 5,552 |
| Noninterest income to average assets | 0.2992% | 5,059 |
| Noninterest expense to average assets | 1.8084% | 6,076 |
| Loan and lease loss provision to assets | 0.0285% | 3,836 |
| Net operating income to assets | 0.7413% | 3,720 |
| Return on assets (ROA) | 0.7484% | 3,770 |
| Pretax return on assets | 1.1753% | 2,886 |
| Return on Equity (ROE) | 3.9421% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.9421% | 3,842 |
| Net charge-offs to loans | 0.0290% | 3,902 |
| Credit loss provision to net charge-offs | 168.9655% | 1,455 |
| Earnings coverage of net charge-offs (x) | 70.7153% | 773 |
| Efficiency ratio | 59.7487% | 5,219 |
| Assets per employee ($millions) | 9.8980% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,982 |
| Loan loss allowance to noncurrent loans | 104.4519% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 3,237 |
| Noncurrent loans to loans | 1.3811% | 2,340 |
| Net loans and leases to total assets | 61.4857% | 3,563 |
| Net loans and leases to deposits | 113.1181% | 163 |
| Net loans and leases to core deposits | 116.7675% | 476 |
| Total domestic deposits to total assets | 54.3553% | 6,518 |
| Equity capital to assets | 17.7729% | 355 |
| Core capital (leverage) ratio | 17.4346% | 330 |
| Tier 1 risk-based capital ratio | 23.4338% | 1,057 |
| Total risk-based capital ratio | 24.6742% | 1,045 |
| Memoranda: | ||
| Average total assets | $2,750,999,500 | 280 |
| Average earning assets | $2,497,802,000 | 277 |
| Average equity | $522,274,500 | 196 |
| Average total loans | $1,600,262,000 | 310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,928 |
| Cost of funding earning assets | 0.6463% | 1,536 |
| Net interest margin | 3.0314% | 5,443 |
| Noninterest income to average assets | 0.3237% | 4,824 |
| Noninterest expense to average assets | 1.7996% | 6,147 |
| Loan and lease loss provision to assets | 0.0201% | 3,872 |
| Net operating income to assets | 0.7787% | 3,434 |
| Return on assets (ROA) | 0.7882% | 3,490 |
| Pretax return on assets | 1.2688% | 2,374 |
| Return on Equity (ROE) | 4.0582% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.0582% | 3,591 |
| Net charge-offs to loans | 0.0054% | 4,199 |
| Credit loss provision to net charge-offs | 660.9756% | 470 |
| Earnings coverage of net charge-offs (x) | 418.6829% | 166 |
| Efficiency ratio | 58.0397% | 5,552 |
| Assets per employee ($millions) | 9.0739% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,234 |
| Loan loss allowance to noncurrent loans | 94.9433% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 2,961 |
| Noncurrent loans to loans | 1.7577% | 1,962 |
| Net loans and leases to total assets | 57.6238% | 4,033 |
| Net loans and leases to deposits | 97.2778% | 719 |
| Net loans and leases to core deposits | 99.5157% | 1,323 |
| Total domestic deposits to total assets | 59.2364% | 6,564 |
| Equity capital to assets | 19.1863% | 251 |
| Core capital (leverage) ratio | 18.7375% | 262 |
| Tier 1 risk-based capital ratio | 24.9083% | 880 |
| Total risk-based capital ratio | 26.1593% | 873 |
| Memoranda: | ||
| Average total assets | $2,694,697,330 | 281 |
| Average earning assets | $2,444,543,330 | 277 |
| Average equity | $523,382,330 | 197 |
| Average total loans | $1,526,481,330 | 320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 4,781 |
| Cost of funding earning assets | 0.6481% | 1,594 |
| Net interest margin | 3.0709% | 5,335 |
| Noninterest income to average assets | 0.3136% | 4,856 |
| Noninterest expense to average assets | 1.7563% | 6,273 |
| Loan and lease loss provision to assets | 0.0618% | 2,882 |
| Net operating income to assets | 0.7595% | 3,357 |
| Return on assets (ROA) | 0.7647% | 3,419 |
| Pretax return on assets | 1.2899% | 2,129 |
| Return on Equity (ROE) | 3.9134% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.9134% | 3,767 |
| Net charge-offs to loans | -0.0295% | 5,548 |
| Credit loss provision to net charge-offs | -375.6757% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1505% | 5,823 |
| Assets per employee ($millions) | 8.8073% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,192 |
| Loan loss allowance to noncurrent loans | 98.9607% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 3,264 |
| Noncurrent loans to loans | 1.7713% | 2,173 |
| Net loans and leases to total assets | 55.2487% | 4,245 |
| Net loans and leases to deposits | 90.6227% | 1,078 |
| Net loans and leases to core deposits | 92.6850% | 1,668 |
| Total domestic deposits to total assets | 60.9656% | 6,634 |
| Equity capital to assets | 18.8352% | 266 |
| Core capital (leverage) ratio | 18.4307% | 285 |
| Tier 1 risk-based capital ratio | 25.2614% | 865 |
| Total risk-based capital ratio | 26.5130% | 842 |
| Memoranda: | ||
| Average total assets | $2,699,116,000 | 282 |
| Average earning assets | $2,448,892,500 | 276 |
| Average equity | $527,415,500 | 192 |
| Average total loans | $1,502,741,000 | 323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 5,214 |
| Cost of funding earning assets | 0.7184% | 1,689 |
| Net interest margin | 2.9536% | 5,672 |
| Noninterest income to average assets | 0.3026% | 5,181 |
| Noninterest expense to average assets | 1.9196% | 6,162 |
| Loan and lease loss provision to assets | 0.0699% | 3,725 |
| Net operating income to assets | 0.6531% | 4,016 |
| Return on assets (ROA) | 0.6952% | 3,909 |
| Pretax return on assets | 1.0839% | 3,010 |
| Return on Equity (ROE) | 3.7403% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,559 |
| Net charge-offs to loans | 0.1719% | 3,105 |
| Credit loss provision to net charge-offs | 83.3117% | 2,946 |
| Earnings coverage of net charge-offs (x) | 12.9624% | 2,077 |
| Efficiency ratio | 63.2935% | 5,011 |
| Assets per employee ($millions) | 8.8340% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 2,244 |
| Loan loss allowance to noncurrent loans | 97.7108% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,402 |
| Noncurrent loans to loans | 1.7885% | 2,244 |
| Net loans and leases to total assets | 54.1547% | 4,564 |
| Net loans and leases to deposits | 89.2304% | 1,318 |
| Net loans and leases to core deposits | 91.3019% | 1,874 |
| Total domestic deposits to total assets | 60.6909% | 6,706 |
| Equity capital to assets | 20.2433% | 199 |
| Core capital (leverage) ratio | 19.8822% | 207 |
| Tier 1 risk-based capital ratio | 27.6900% | 628 |
| Total risk-based capital ratio | 28.9415% | 615 |
| Memoranda: | ||
| Average total assets | $2,755,596,800 | 274 |
| Average earning assets | $2,523,703,400 | 272 |
| Average equity | $512,177,600 | 193 |
| Average total loans | $1,345,490,200 | 334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 5,262 |
| Cost of funding earning assets | 0.7275% | 1,753 |
| Net interest margin | 2.9380% | 5,719 |
| Noninterest income to average assets | 0.2759% | 5,473 |
| Noninterest expense to average assets | 1.9251% | 6,145 |
| Loan and lease loss provision to assets | 0.0728% | 3,604 |
| Net operating income to assets | 0.6295% | 4,222 |
| Return on assets (ROA) | 0.6862% | 4,063 |
| Pretax return on assets | 1.0621% | 3,260 |
| Return on Equity (ROE) | 3.7738% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.7738% | 3,996 |
| Net charge-offs to loans | 0.0835% | 3,760 |
| Credit loss provision to net charge-offs | 184.2683% | 1,311 |
| Earnings coverage of net charge-offs (x) | 26.5304% | 1,346 |
| Efficiency ratio | 64.2206% | 4,764 |
| Assets per employee ($millions) | 8.8356% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,904 |
| Loan loss allowance to noncurrent loans | 94.8473% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 3,515 |
| Noncurrent loans to loans | 2.0393% | 2,208 |
| Net loans and leases to total assets | 50.3518% | 5,102 |
| Net loans and leases to deposits | 83.6921% | 1,916 |
| Net loans and leases to core deposits | 85.6425% | 2,447 |
| Total domestic deposits to total assets | 60.1632% | 6,785 |
| Equity capital to assets | 19.8603% | 220 |
| Core capital (leverage) ratio | 19.4071% | 222 |
| Tier 1 risk-based capital ratio | 27.8305% | 643 |
| Total risk-based capital ratio | 29.0831% | 635 |
| Memoranda: | ||
| Average total assets | $2,768,696,250 | 274 |
| Average earning assets | $2,541,464,250 | 270 |
| Average equity | $503,418,000 | 191 |
| Average total loans | $1,309,376,000 | 344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 5,353 |
| Cost of funding earning assets | 0.7414% | 1,760 |
| Net interest margin | 2.8888% | 5,814 |
| Noninterest income to average assets | 0.2512% | 5,650 |
| Noninterest expense to average assets | 1.9358% | 6,161 |
| Loan and lease loss provision to assets | 0.0499% | 3,987 |
| Net operating income to assets | 0.5930% | 4,326 |
| Return on assets (ROA) | 0.6601% | 4,165 |
| Pretax return on assets | 1.0300% | 3,376 |
| Return on Equity (ROE) | 3.7437% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,918 |
| Net charge-offs to loans | 0.0465% | 4,032 |
| Credit loss provision to net charge-offs | 233.6700% | 1,061 |
| Earnings coverage of net charge-offs (x) | 45.6566% | 846 |
| Efficiency ratio | 65.9536% | 4,552 |
| Assets per employee ($millions) | 8.9489% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 1,823 |
| Loan loss allowance to noncurrent loans | 84.6858% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 3,336 |
| Noncurrent loans to loans | 2.3753% | 1,988 |
| Net loans and leases to total assets | 48.5039% | 5,282 |
| Net loans and leases to deposits | 77.3152% | 2,672 |
| Net loans and leases to core deposits | 79.2074% | 3,129 |
| Total domestic deposits to total assets | 62.7352% | 6,817 |
| Equity capital to assets | 20.0095% | 209 |
| Core capital (leverage) ratio | 19.4572% | 216 |
| Tier 1 risk-based capital ratio | 28.7695% | 589 |
| Total risk-based capital ratio | 30.0228% | 574 |
| Memoranda: | ||
| Average total assets | $2,781,533,330 | 273 |
| Average earning assets | $2,560,839,670 | 265 |
| Average equity | $490,483,330 | 194 |
| Average total loans | $1,278,564,000 | 345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 5,435 |
| Cost of funding earning assets | 0.7682% | 1,722 |
| Net interest margin | 2.8379% | 5,948 |
| Noninterest income to average assets | 0.2487% | 5,679 |
| Noninterest expense to average assets | 1.9916% | 6,121 |
| Loan and lease loss provision to assets | 0.0392% | 3,940 |
| Net operating income to assets | 0.5461% | 4,469 |
| Return on assets (ROA) | 0.6839% | 3,914 |
| Pretax return on assets | 1.0493% | 3,149 |
| Return on Equity (ROE) | 4.1447% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.1447% | 3,732 |
| Net charge-offs to loans | 0.1231% | 2,686 |
| Credit loss provision to net charge-offs | 71.9481% | 2,264 |
| Earnings coverage of net charge-offs (x) | 16.0805% | 1,375 |
| Efficiency ratio | 68.8879% | 4,161 |
| Assets per employee ($millions) | 9.0588% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0986% | 1,800 |
| Loan loss allowance to noncurrent loans | 72.2768% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 3,341 |
| Noncurrent loans to loans | 2.9036% | 1,732 |
| Net loans and leases to total assets | 43.1597% | 5,744 |
| Net loans and leases to deposits | 68.2159% | 3,754 |
| Net loans and leases to core deposits | 70.6181% | 3,991 |
| Total domestic deposits to total assets | 63.2692% | 6,882 |
| Equity capital to assets | 19.2088% | 253 |
| Core capital (leverage) ratio | 18.3040% | 269 |
| Tier 1 risk-based capital ratio | 28.9519% | 587 |
| Total risk-based capital ratio | 30.2051% | 578 |
| Memoranda: | ||
| Average total assets | $2,825,487,000 | 270 |
| Average earning assets | $2,607,801,000 | 259 |
| Average equity | $466,235,000 | 208 |
| Average total loans | $1,251,179,500 | 354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 5,485 |
| Cost of funding earning assets | 0.9943% | 1,387 |
| Net interest margin | 2.9380% | 6,158 |
| Noninterest income to average assets | 0.2581% | 5,619 |
| Noninterest expense to average assets | 1.9160% | 6,475 |
| Loan and lease loss provision to assets | 0.1413% | 3,838 |
| Net operating income to assets | 0.5994% | 4,240 |
| Return on assets (ROA) | 0.6538% | 4,236 |
| Pretax return on assets | 1.0197% | 3,473 |
| Return on Equity (ROE) | 4.5095% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.5095% | 3,055 |
| Net charge-offs to loans | 0.3560% | 2,851 |
| Credit loss provision to net charge-offs | 89.5417% | 3,497 |
| Earnings coverage of net charge-offs (x) | 6.8177% | 2,730 |
| Efficiency ratio | 63.6154% | 4,957 |
| Assets per employee ($millions) | 9.1717% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 1,724 |
| Loan loss allowance to noncurrent loans | 57.7523% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 2,905 |
| Noncurrent loans to loans | 3.6650% | 1,333 |
| Net loans and leases to total assets | 43.5401% | 5,860 |
| Net loans and leases to deposits | 62.0881% | 4,776 |
| Net loans and leases to core deposits | 64.4078% | 4,916 |
| Total domestic deposits to total assets | 70.1263% | 6,778 |
| Equity capital to assets | 13.7567% | 1,128 |
| Core capital (leverage) ratio | 12.6516% | 1,255 |
| Tier 1 risk-based capital ratio | 21.0420% | 1,450 |
| Total risk-based capital ratio | 22.2964% | 1,423 |
| Memoranda: | ||
| Average total assets | $2,502,182,400 | 290 |
| Average earning assets | $2,328,284,800 | 280 |
| Average equity | $362,786,400 | 241 |
| Average total loans | $1,109,243,200 | 391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 5,464 |
| Cost of funding earning assets | 1.0405% | 1,334 |
| Net interest margin | 2.9785% | 6,209 |
| Noninterest income to average assets | 0.2793% | 5,541 |
| Noninterest expense to average assets | 1.9506% | 6,443 |
| Loan and lease loss provision to assets | 0.0913% | 4,457 |
| Net operating income to assets | 0.6484% | 4,151 |
| Return on assets (ROA) | 0.7198% | 4,076 |
| Pretax return on assets | 1.1233% | 3,261 |
| Return on Equity (ROE) | 4.8923% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.8923% | 3,446 |
| Net charge-offs to loans | 0.1773% | 3,689 |
| Credit loss provision to net charge-offs | 116.2351% | 2,503 |
| Earnings coverage of net charge-offs (x) | 14.0434% | 1,868 |
| Efficiency ratio | 63.4930% | 4,888 |
| Assets per employee ($millions) | 9.0511% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 1,261 |
| Loan loss allowance to noncurrent loans | 67.6269% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6395% | 3,123 |
| Noncurrent loans to loans | 3.6315% | 1,489 |
| Net loans and leases to total assets | 43.3522% | 6,016 |
| Net loans and leases to deposits | 68.0138% | 4,178 |
| Net loans and leases to core deposits | 70.8888% | 4,390 |
| Total domestic deposits to total assets | 63.7403% | 7,023 |
| Equity capital to assets | 14.8002% | 873 |
| Core capital (leverage) ratio | 13.4890% | 1,015 |
| Tier 1 risk-based capital ratio | 21.3945% | 1,440 |
| Total risk-based capital ratio | 22.6511% | 1,409 |
| Memoranda: | ||
| Average total assets | $2,426,096,500 | 295 |
| Average earning assets | $2,259,674,500 | 288 |
| Average equity | $356,961,750 | 246 |
| Average total loans | $1,074,456,750 | 400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 5,483 |
| Cost of funding earning assets | 1.0532% | 1,453 |
| Net interest margin | 2.9976% | 6,248 |
| Noninterest income to average assets | 0.2988% | 5,413 |
| Noninterest expense to average assets | 1.9735% | 6,488 |
| Loan and lease loss provision to assets | 0.0963% | 4,334 |
| Net operating income to assets | 0.6599% | 4,062 |
| Return on assets (ROA) | 0.7574% | 3,841 |
| Pretax return on assets | 1.1726% | 3,042 |
| Return on Equity (ROE) | 5.1584% | 4,729 |
| Retained earnings to average equity (ytd only) | 5.1584% | 3,181 |
| Net charge-offs to loans | 0.1789% | 3,524 |
| Credit loss provision to net charge-offs | 121.6159% | 2,258 |
| Earnings coverage of net charge-offs (x) | 14.1354% | 1,733 |
| Efficiency ratio | 63.4330% | 5,000 |
| Assets per employee ($millions) | 8.8976% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5195% | 1,255 |
| Loan loss allowance to noncurrent loans | 63.3139% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.8263% | 3,005 |
| Noncurrent loans to loans | 3.9794% | 1,389 |
| Net loans and leases to total assets | 42.6048% | 6,141 |
| Net loans and leases to deposits | 67.4028% | 4,299 |
| Net loans and leases to core deposits | 70.2942% | 4,501 |
| Total domestic deposits to total assets | 63.2092% | 7,100 |
| Equity capital to assets | 14.6586% | 865 |
| Core capital (leverage) ratio | 13.4038% | 1,012 |
| Tier 1 risk-based capital ratio | 21.2400% | 1,432 |
| Total risk-based capital ratio | 22.4966% | 1,406 |
| Memoranda: | ||
| Average total assets | $2,408,126,330 | 298 |
| Average earning assets | $2,244,114,000 | 289 |
| Average equity | $353,600,330 | 244 |
| Average total loans | $1,065,206,670 | 401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 5,486 |
| Cost of funding earning assets | 1.0710% | 1,545 |
| Net interest margin | 3.0205% | 6,249 |
| Noninterest income to average assets | 0.3748% | 4,858 |
| Noninterest expense to average assets | 2.0876% | 6,293 |
| Loan and lease loss provision to assets | 0.1032% | 4,046 |
| Net operating income to assets | 0.6441% | 4,143 |
| Return on assets (ROA) | 0.8339% | 3,462 |
| Pretax return on assets | 1.2884% | 2,580 |
| Return on Equity (ROE) | 5.6745% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.6745% | 3,155 |
| Net charge-offs to loans | 0.1323% | 3,313 |
| Credit loss provision to net charge-offs | 175.2137% | 1,459 |
| Earnings coverage of net charge-offs (x) | 18.6724% | 1,253 |
| Efficiency ratio | 65.1226% | 4,714 |
| Assets per employee ($millions) | 8.7973% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5959% | 1,232 |
| Loan loss allowance to noncurrent loans | 57.2648% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.0722% | 2,804 |
| Noncurrent loans to loans | 4.5332% | 1,277 |
| Net loans and leases to total assets | 42.3395% | 6,164 |
| Net loans and leases to deposits | 67.1716% | 4,196 |
| Net loans and leases to core deposits | 69.8227% | 4,448 |
| Total domestic deposits to total assets | 63.0319% | 7,155 |
| Equity capital to assets | 14.7147% | 801 |
| Core capital (leverage) ratio | 13.4763% | 962 |
| Tier 1 risk-based capital ratio | 22.9296% | 1,143 |
| Total risk-based capital ratio | 24.1885% | 1,124 |
| Memoranda: | ||
| Average total assets | $2,384,322,500 | 300 |
| Average earning assets | $2,220,053,000 | 289 |
| Average equity | $350,412,000 | 242 |
| Average total loans | $1,061,158,500 | 400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 6,006 |
| Cost of funding earning assets | 1.2136% | 1,940 |
| Net interest margin | 3.0042% | 6,526 |
| Noninterest income to average assets | 0.4089% | 4,551 |
| Noninterest expense to average assets | 1.7628% | 6,995 |
| Loan and lease loss provision to assets | 0.5483% | 1,901 |
| Net operating income to assets | 0.6524% | 3,730 |
| Return on assets (ROA) | 0.7188% | 3,568 |
| Pretax return on assets | 0.9920% | 3,271 |
| Return on Equity (ROE) | 4.9361% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.9361% | 2,688 |
| Net charge-offs to loans | 0.8255% | 2,097 |
| Credit loss provision to net charge-offs | 164.6913% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.3498% | 3,155 |
| Efficiency ratio | 54.6035% | 6,458 |
| Assets per employee ($millions) | 8.5451% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4886% | 1,332 |
| Loan loss allowance to noncurrent loans | 50.9125% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.3687% | 2,558 |
| Noncurrent loans to loans | 4.8879% | 1,173 |
| Net loans and leases to total assets | 44.4249% | 6,171 |
| Net loans and leases to deposits | 69.7997% | 4,140 |
| Net loans and leases to core deposits | 72.6190% | 4,420 |
| Total domestic deposits to total assets | 63.6463% | 7,180 |
| Equity capital to assets | 14.6780% | 851 |
| Core capital (leverage) ratio | 13.4191% | 998 |
| Tier 1 risk-based capital ratio | 23.4229% | 1,043 |
| Total risk-based capital ratio | 24.7066% | 1,018 |
| Memoranda: | ||
| Average total assets | $2,296,132,000 | 305 |
| Average earning assets | $2,141,632,400 | 292 |
| Average equity | $334,352,800 | 242 |
| Average total loans | $926,010,400 | 453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 6,273 |
| Cost of funding earning assets | 1.2369% | 2,082 |
| Net interest margin | 2.9348% | 6,697 |
| Noninterest income to average assets | 0.2426% | 5,887 |
| Noninterest expense to average assets | 1.6719% | 7,120 |
| Loan and lease loss provision to assets | 0.2994% | 3,130 |
| Net operating income to assets | 0.6596% | 3,828 |
| Return on assets (ROA) | 0.7463% | 3,564 |
| Pretax return on assets | 1.1430% | 2,849 |
| Return on Equity (ROE) | 5.1357% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.1357% | 3,092 |
| Net charge-offs to loans | 0.2219% | 4,046 |
| Credit loss provision to net charge-offs | 346.2111% | 815 |
| Earnings coverage of net charge-offs (x) | 15.1360% | 1,489 |
| Efficiency ratio | 56.0276% | 6,284 |
| Assets per employee ($millions) | 8.7626% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 1,220 |
| Loan loss allowance to noncurrent loans | 47.7647% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3095% | 2,778 |
| Noncurrent loans to loans | 5.5226% | 1,075 |
| Net loans and leases to total assets | 40.6906% | 6,584 |
| Net loans and leases to deposits | 64.0763% | 5,158 |
| Net loans and leases to core deposits | 68.9205% | 5,069 |
| Total domestic deposits to total assets | 63.5034% | 7,253 |
| Equity capital to assets | 14.8794% | 884 |
| Core capital (leverage) ratio | 13.5594% | 1,024 |
| Tier 1 risk-based capital ratio | 25.7675% | 857 |
| Total risk-based capital ratio | 27.0579% | 834 |
| Memoranda: | ||
| Average total assets | $2,278,418,000 | 308 |
| Average earning assets | $2,125,980,500 | 293 |
| Average equity | $331,084,250 | 245 |
| Average total loans | $887,921,000 | 473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 6,369 |
| Cost of funding earning assets | 1.2438% | 2,297 |
| Net interest margin | 2.9154% | 6,760 |
| Noninterest income to average assets | 0.2826% | 5,626 |
| Noninterest expense to average assets | 1.6761% | 7,201 |
| Loan and lease loss provision to assets | 0.2750% | 3,184 |
| Net operating income to assets | 0.6874% | 3,613 |
| Return on assets (ROA) | 0.8069% | 3,164 |
| Pretax return on assets | 1.2311% | 2,365 |
| Return on Equity (ROE) | 5.5982% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.5982% | 2,642 |
| Net charge-offs to loans | 0.3396% | 3,209 |
| Credit loss provision to net charge-offs | 213.0554% | 1,411 |
| Earnings coverage of net charge-offs (x) | 10.2652% | 1,832 |
| Efficiency ratio | 55.7636% | 6,443 |
| Assets per employee ($millions) | 8.8121% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6055% | 1,306 |
| Loan loss allowance to noncurrent loans | 40.5398% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.5571% | 2,611 |
| Noncurrent loans to loans | 6.4271% | 874 |
| Net loans and leases to total assets | 38.6700% | 6,826 |
| Net loans and leases to deposits | 60.1554% | 5,713 |
| Net loans and leases to core deposits | 65.6602% | 5,548 |
| Total domestic deposits to total assets | 64.2836% | 7,309 |
| Equity capital to assets | 14.7674% | 875 |
| Core capital (leverage) ratio | 13.5736% | 975 |
| Tier 1 risk-based capital ratio | 26.2203% | 796 |
| Total risk-based capital ratio | 27.5059% | 774 |
| Memoranda: | ||
| Average total assets | $2,266,780,670 | 316 |
| Average earning assets | $2,113,772,000 | 300 |
| Average equity | $326,709,330 | 248 |
| Average total loans | $861,624,000 | 495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 6,459 |
| Cost of funding earning assets | 1.2107% | 2,744 |
| Net interest margin | 2.9107% | 6,738 |
| Noninterest income to average assets | 0.2918% | 5,581 |
| Noninterest expense to average assets | 1.7201% | 7,212 |
| Loan and lease loss provision to assets | 0.2416% | 3,260 |
| Net operating income to assets | 0.6881% | 3,563 |
| Return on assets (ROA) | 0.8580% | 2,811 |
| Pretax return on assets | 1.3018% | 2,039 |
| Return on Equity (ROE) | 6.0274% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.0274% | 2,620 |
| Net charge-offs to loans | 0.5569% | 2,102 |
| Credit loss provision to net charge-offs | 116.7378% | 2,320 |
| Earnings coverage of net charge-offs (x) | 6.2135% | 2,135 |
| Efficiency ratio | 57.0521% | 6,374 |
| Assets per employee ($millions) | 9.2741% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 1,343 |
| Loan loss allowance to noncurrent loans | 38.8450% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 2.4669% | 2,761 |
| Noncurrent loans to loans | 6.6408% | 874 |
| Net loans and leases to total assets | 35.8591% | 7,009 |
| Net loans and leases to deposits | 58.5264% | 5,876 |
| Net loans and leases to core deposits | 64.2232% | 5,698 |
| Total domestic deposits to total assets | 61.2699% | 7,416 |
| Equity capital to assets | 14.0082% | 1,008 |
| Core capital (leverage) ratio | 13.0438% | 1,108 |
| Tier 1 risk-based capital ratio | 26.2663% | 761 |
| Total risk-based capital ratio | 27.5490% | 744 |
| Memoranda: | ||
| Average total assets | $2,263,414,000 | 318 |
| Average earning assets | $2,110,566,000 | 304 |
| Average equity | $322,194,000 | 246 |
| Average total loans | $841,091,500 | 519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 6,758 |
| Cost of funding earning assets | 1.2676% | 4,097 |
| Net interest margin | 3.0500% | 6,637 |
| Noninterest income to average assets | 0.2732% | 5,831 |
| Noninterest expense to average assets | 1.7164% | 7,340 |
| Loan and lease loss provision to assets | 0.4802% | 3,253 |
| Net operating income to assets | 0.6467% | 3,457 |
| Return on assets (ROA) | 0.6816% | 3,428 |
| Pretax return on assets | 0.9930% | 2,951 |
| Return on Equity (ROE) | 4.5591% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.5591% | 2,684 |
| Net charge-offs to loans | 0.4838% | 3,685 |
| Credit loss provision to net charge-offs | 269.2472% | 1,029 |
| Earnings coverage of net charge-offs (x) | 7.9768% | 2,034 |
| Efficiency ratio | 54.4194% | 6,765 |
| Assets per employee ($millions) | 9.0876% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 1,250 |
| Loan loss allowance to noncurrent loans | 35.8341% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.7650% | 2,533 |
| Noncurrent loans to loans | 7.3470% | 748 |
| Net loans and leases to total assets | 36.5415% | 7,136 |
| Net loans and leases to deposits | 57.8649% | 6,270 |
| Net loans and leases to core deposits | 64.1191% | 6,043 |
| Total domestic deposits to total assets | 63.1497% | 7,461 |
| Equity capital to assets | 14.4729% | 909 |
| Core capital (leverage) ratio | 13.4299% | 993 |
| Tier 1 risk-based capital ratio | 26.1151% | 745 |
| Total risk-based capital ratio | 27.3981% | 729 |
| Memoranda: | ||
| Average total assets | $2,100,576,600 | 335 |
| Average earning assets | $1,973,718,400 | 321 |
| Average equity | $314,050,800 | 252 |
| Average total loans | $774,354,000 | 560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 6,898 |
| Cost of funding earning assets | 1.2985% | 4,229 |
| Net interest margin | 3.0500% | 6,729 |
| Noninterest income to average assets | 0.2617% | 6,027 |
| Noninterest expense to average assets | 1.6930% | 7,441 |
| Loan and lease loss provision to assets | 0.5225% | 2,843 |
| Net operating income to assets | 0.6384% | 3,712 |
| Return on assets (ROA) | 0.6819% | 3,659 |
| Pretax return on assets | 0.9819% | 3,247 |
| Return on Equity (ROE) | 4.5223% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.5223% | 3,327 |
| Net charge-offs to loans | 0.4688% | 3,405 |
| Credit loss provision to net charge-offs | 303.7757% | 1,053 |
| Earnings coverage of net charge-offs (x) | 8.3802% | 2,173 |
| Efficiency ratio | 53.7478% | 6,807 |
| Assets per employee ($millions) | 8.9327% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6052% | 1,201 |
| Loan loss allowance to noncurrent loans | 37.7841% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,794 |
| Noncurrent loans to loans | 6.8949% | 829 |
| Net loans and leases to total assets | 36.3451% | 7,250 |
| Net loans and leases to deposits | 54.3578% | 6,741 |
| Net loans and leases to core deposits | 61.8734% | 6,473 |
| Total domestic deposits to total assets | 66.8627% | 7,435 |
| Equity capital to assets | 14.9309% | 903 |
| Core capital (leverage) ratio | 13.6654% | 1,005 |
| Tier 1 risk-based capital ratio | 26.3524% | 748 |
| Total risk-based capital ratio | 27.6428% | 727 |
| Memoranda: | ||
| Average total assets | $2,073,647,500 | 336 |
| Average earning assets | $1,953,080,250 | 322 |
| Average equity | $312,662,750 | 247 |
| Average total loans | $760,752,000 | 572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 6,936 |
| Cost of funding earning assets | 1.3314% | 4,320 |
| Net interest margin | 3.0493% | 6,725 |
| Noninterest income to average assets | 0.2474% | 6,140 |
| Noninterest expense to average assets | 1.6696% | 7,525 |
| Loan and lease loss provision to assets | 0.4619% | 3,009 |
| Net operating income to assets | 0.6373% | 3,693 |
| Return on assets (ROA) | 0.7033% | 3,548 |
| Pretax return on assets | 1.0986% | 2,789 |
| Return on Equity (ROE) | 4.6484% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.6484% | 3,113 |
| Net charge-offs to loans | 0.2907% | 3,878 |
| Credit loss provision to net charge-offs | 435.7604% | 827 |
| Earnings coverage of net charge-offs (x) | 13.7502% | 1,570 |
| Efficiency ratio | 53.1209% | 6,968 |
| Assets per employee ($millions) | 9.3041% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4732% | 1,332 |
| Loan loss allowance to noncurrent loans | 37.1294% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.4596% | 2,925 |
| Noncurrent loans to loans | 6.6611% | 883 |
| Net loans and leases to total assets | 35.0838% | 7,385 |
| Net loans and leases to deposits | 54.2218% | 6,848 |
| Net loans and leases to core deposits | 61.0976% | 6,631 |
| Total domestic deposits to total assets | 64.7043% | 7,566 |
| Equity capital to assets | 14.7431% | 939 |
| Core capital (leverage) ratio | 13.4797% | 1,066 |
| Tier 1 risk-based capital ratio | 26.4220% | 740 |
| Total risk-based capital ratio | 27.7032% | 728 |
| Memoranda: | ||
| Average total assets | $2,047,271,330 | 339 |
| Average earning assets | $1,933,435,000 | 323 |
| Average equity | $309,741,000 | 249 |
| Average total loans | $746,550,000 | 584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 7,024 |
| Cost of funding earning assets | 1.4009% | 4,169 |
| Net interest margin | 2.9806% | 6,873 |
| Noninterest income to average assets | 0.2911% | 5,815 |
| Noninterest expense to average assets | 1.7865% | 7,478 |
| Loan and lease loss provision to assets | 0.3867% | 3,043 |
| Net operating income to assets | 0.6006% | 3,896 |
| Return on assets (ROA) | 0.6352% | 3,852 |
| Pretax return on assets | 0.9878% | 3,133 |
| Return on Equity (ROE) | 4.1414% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.1414% | 3,661 |
| Net charge-offs to loans | 0.1075% | 4,351 |
| Credit loss provision to net charge-offs | 979.6954% | 475 |
| Earnings coverage of net charge-offs (x) | 33.4518% | 804 |
| Efficiency ratio | 57.2230% | 6,601 |
| Assets per employee ($millions) | 9.2531% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3256% | 1,536 |
| Loan loss allowance to noncurrent loans | 34.2571% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 2.5224% | 2,883 |
| Noncurrent loans to loans | 6.7887% | 894 |
| Net loans and leases to total assets | 35.2128% | 7,455 |
| Net loans and leases to deposits | 51.0293% | 7,079 |
| Net loans and leases to core deposits | 59.4436% | 6,785 |
| Total domestic deposits to total assets | 69.0050% | 7,473 |
| Equity capital to assets | 15.1642% | 842 |
| Core capital (leverage) ratio | 13.9117% | 978 |
| Tier 1 risk-based capital ratio | 27.3080% | 687 |
| Total risk-based capital ratio | 28.5939% | 669 |
| Memoranda: | ||
| Average total assets | $1,996,288,500 | 356 |
| Average earning assets | $1,885,899,000 | 337 |
| Average equity | $306,179,000 | 253 |
| Average total loans | $733,246,500 | 613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 6,756 |
| Cost of funding earning assets | 1.7223% | 4,396 |
| Net interest margin | 3.1586% | 6,206 |
| Noninterest income to average assets | 0.2865% | 6,056 |
| Noninterest expense to average assets | 1.7912% | 7,617 |
| Loan and lease loss provision to assets | 0.5061% | 3,845 |
| Net operating income to assets | 0.6236% | 3,236 |
| Return on assets (ROA) | 0.6284% | 3,284 |
| Pretax return on assets | 0.9750% | 2,672 |
| Return on Equity (ROE) | 3.8641% | 4,140 |
| Retained earnings to average equity (ytd only) | -0.8314% | 5,212 |
| Net charge-offs to loans | 0.4198% | 4,121 |
| Credit loss provision to net charge-offs | 338.0692% | 957 |
| Earnings coverage of net charge-offs (x) | 9.8434% | 1,751 |
| Efficiency ratio | 54.2999% | 7,198 |
| Assets per employee ($millions) | 8.7338% | 380 |
| Cash dividends to net income (ytd only)* | 121.5172% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 1,802 |
| Loan loss allowance to noncurrent loans | 36.8562% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.2468% | 3,072 |
| Noncurrent loans to loans | 5.7348% | 1,112 |
| Net loans and leases to total assets | 36.6523% | 7,496 |
| Net loans and leases to deposits | 53.4407% | 7,089 |
| Net loans and leases to core deposits | 63.4296% | 7,126 |
| Total domestic deposits to total assets | 68.5850% | 7,512 |
| Equity capital to assets | 15.5193% | 784 |
| Core capital (leverage) ratio | 14.3488% | 915 |
| Tier 1 risk-based capital ratio | 27.2426% | 688 |
| Total risk-based capital ratio | 28.5190% | 671 |
| Memoranda: | ||
| Average total assets | $1,833,510,800 | 390 |
| Average earning assets | $1,728,893,800 | 373 |
| Average equity | $298,158,600 | 252 |
| Average total loans | $653,899,000 | 714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 6,898 |
| Cost of funding earning assets | 1.7718% | 4,515 |
| Net interest margin | 3.1247% | 6,246 |
| Noninterest income to average assets | 0.2956% | 6,110 |
| Noninterest expense to average assets | 1.7746% | 7,688 |
| Loan and lease loss provision to assets | 0.5693% | 3,107 |
| Net operating income to assets | 0.5807% | 3,674 |
| Return on assets (ROA) | 0.5733% | 3,781 |
| Pretax return on assets | 0.8870% | 3,267 |
| Return on Equity (ROE) | 3.4825% | 4,586 |
| Retained earnings to average equity (ytd only) | -2.7996% | 5,899 |
| Net charge-offs to loans | 0.4424% | 3,470 |
| Credit loss provision to net charge-offs | 365.7807% | 1,109 |
| Earnings coverage of net charge-offs (x) | 9.4305% | 2,112 |
| Efficiency ratio | 54.0826% | 7,225 |
| Assets per employee ($millions) | 9.2979% | 333 |
| Cash dividends to net income (ytd only)* | 180.3891% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1281% | 1,551 |
| Loan loss allowance to noncurrent loans | 39.7402% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9137% | 3,476 |
| Noncurrent loans to loans | 5.3550% | 1,189 |
| Net loans and leases to total assets | 34.0861% | 7,689 |
| Net loans and leases to deposits | 50.1744% | 7,403 |
| Net loans and leases to core deposits | 59.6710% | 7,414 |
| Total domestic deposits to total assets | 67.9352% | 7,581 |
| Equity capital to assets | 15.6421% | 863 |
| Core capital (leverage) ratio | 14.3628% | 994 |
| Tier 1 risk-based capital ratio | 28.4464% | 658 |
| Total risk-based capital ratio | 29.7338% | 638 |
| Memoranda: | ||
| Average total assets | $1,804,978,500 | 408 |
| Average earning assets | $1,702,152,500 | 392 |
| Average equity | $297,133,250 | 262 |
| Average total loans | $635,056,500 | 753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 6,992 |
| Cost of funding earning assets | 1.8459% | 4,533 |
| Net interest margin | 3.0712% | 6,332 |
| Noninterest income to average assets | 0.2795% | 6,268 |
| Noninterest expense to average assets | 1.8153% | 7,727 |
| Loan and lease loss provision to assets | 0.5428% | 2,853 |
| Net operating income to assets | 0.5277% | 3,990 |
| Return on assets (ROA) | 0.5292% | 4,099 |
| Pretax return on assets | 0.8148% | 3,621 |
| Return on Equity (ROE) | 3.1582% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.1582% | 3,560 |
| Net charge-offs to loans | 0.4641% | 2,972 |
| Credit loss provision to net charge-offs | 331.1939% | 1,407 |
| Earnings coverage of net charge-offs (x) | 8.2692% | 2,290 |
| Efficiency ratio | 56.5766% | 7,044 |
| Assets per employee ($millions) | 8.5855% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 1,955 |
| Loan loss allowance to noncurrent loans | 38.9540% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,542 |
| Noncurrent loans to loans | 4.7118% | 1,338 |
| Net loans and leases to total assets | 35.4761% | 7,723 |
| Net loans and leases to deposits | 57.5194% | 7,061 |
| Net loans and leases to core deposits | 67.3010% | 7,156 |
| Total domestic deposits to total assets | 61.6767% | 7,901 |
| Equity capital to assets | 16.5999% | 732 |
| Core capital (leverage) ratio | 15.5273% | 822 |
| Tier 1 risk-based capital ratio | 30.1034% | 600 |
| Total risk-based capital ratio | 31.4079% | 579 |
| Memoranda: | ||
| Average total assets | $1,768,180,000 | 422 |
| Average earning assets | $1,664,516,000 | 405 |
| Average equity | $296,309,330 | 264 |
| Average total loans | $624,384,670 | 787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 7,164 |
| Cost of funding earning assets | 1.9399% | 4,433 |
| Net interest margin | 2.9649% | 6,574 |
| Noninterest income to average assets | 0.2177% | 6,732 |
| Noninterest expense to average assets | 1.6992% | 7,823 |
| Loan and lease loss provision to assets | 0.3775% | 3,058 |
| Net operating income to assets | 0.5939% | 4,041 |
| Return on assets (ROA) | 0.5969% | 4,222 |
| Pretax return on assets | 0.9358% | 3,578 |
| Return on Equity (ROE) | 3.5447% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.5447% | 3,923 |
| Net charge-offs to loans | 0.3916% | 2,529 |
| Credit loss provision to net charge-offs | 276.3025% | 1,736 |
| Earnings coverage of net charge-offs (x) | 9.5782% | 2,044 |
| Efficiency ratio | 55.7710% | 7,001 |
| Assets per employee ($millions) | 9.1340% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 2,639 |
| Loan loss allowance to noncurrent loans | 40.8098% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 3,800 |
| Noncurrent loans to loans | 3.8509% | 1,593 |
| Net loans and leases to total assets | 34.9136% | 7,769 |
| Net loans and leases to deposits | 54.0730% | 7,282 |
| Net loans and leases to core deposits | 63.3277% | 7,339 |
| Total domestic deposits to total assets | 64.5675% | 7,816 |
| Equity capital to assets | 16.9023% | 736 |
| Core capital (leverage) ratio | 15.8489% | 803 |
| Tier 1 risk-based capital ratio | 32.6128% | 505 |
| Total risk-based capital ratio | 33.8206% | 498 |
| Memoranda: | ||
| Average total assets | $1,742,208,500 | 425 |
| Average earning assets | $1,639,468,500 | 411 |
| Average equity | $293,394,500 | 268 |
| Average total loans | $607,686,500 | 809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 7,733 |
| Cost of funding earning assets | 2.1316% | 5,922 |
| Net interest margin | 3.0154% | 6,869 |
| Noninterest income to average assets | 0.4000% | 5,473 |
| Noninterest expense to average assets | 1.5585% | 8,001 |
| Loan and lease loss provision to assets | 0.3296% | 3,754 |
| Net operating income to assets | 0.9126% | 2,951 |
| Return on assets (ROA) | 0.9145% | 2,790 |
| Pretax return on assets | 1.3040% | 2,296 |
| Return on Equity (ROE) | 5.0472% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.0472% | 1,999 |
| Net charge-offs to loans | 0.3884% | 2,879 |
| Credit loss provision to net charge-offs | 258.0203% | 1,795 |
| Earnings coverage of net charge-offs (x) | 12.7670% | 2,210 |
| Efficiency ratio | 48.0919% | 7,795 |
| Assets per employee ($millions) | 8.4805% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,755 |
| Loan loss allowance to noncurrent loans | 90.8790% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 5,331 |
| Noncurrent loans to loans | 1.6369% | 3,316 |
| Net loans and leases to total assets | 33.7653% | 7,898 |
| Net loans and leases to deposits | 54.2734% | 7,421 |
| Net loans and leases to core deposits | 64.1686% | 7,436 |
| Total domestic deposits to total assets | 62.2134% | 7,874 |
| Equity capital to assets | 16.7770% | 801 |
| Core capital (leverage) ratio | 15.9803% | 830 |
| Tier 1 risk-based capital ratio | 33.6755% | 487 |
| Total risk-based capital ratio | 34.8085% | 482 |
| Memoranda: | ||
| Average total assets | $1,542,158,200 | 455 |
| Average earning assets | $1,426,564,600 | 447 |
| Average equity | $279,421,600 | 280 |
| Average total loans | $507,260,600 | 946 |