Home > Optum Bank, Inc. > Performance and Condition Ratios
Optum Bank, Inc., 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 | 3.7695% | 4,213 |
| Cost of funding earning assets | 0.0783% | 4,489 |
| Net interest margin | 3.6913% | 1,779 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 1.3767% | 4,402 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.6213% | 222 |
| Return on assets (ROA) | 2.6658% | 211 |
| Pretax return on assets | 3.4855% | 149 |
| Return on Equity (ROE) | 27.8000% | 222 |
| Retained earnings to average equity (ytd only) | -11.3532% | 4,476 |
| Net charge-offs to loans | 0.0223% | 1,882 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 569.0000% | 261 |
| Efficiency ratio | 25.9823% | 4,513 |
| Assets per employee ($millions) | 30.3050% | 48 |
| Cash dividends to net income (ytd only)* | 140.8451% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 3,687 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,069 |
| Noncurrent loans to loans | 0.2416% | 2,341 |
| Net loans and leases to total assets | 30.0200% | 4,288 |
| Net loans and leases to deposits | 35.2200% | 4,284 |
| Net loans and leases to core deposits | 36.3596% | 4,337 |
| Total domestic deposits to total assets | 85.2400% | 2,230 |
| Equity capital to assets | 9.4663% | 2,369 |
| Core capital (leverage) ratio | 11.4553% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1997% | 879 |
| Memoranda: | ||
| Average total assets | $15,980,363,000 | 118 |
| Average earning assets | $15,333,522,800 | 108 |
| Average equity | $1,532,613,600 | 116 |
| Average total loans | $4,492,740,800 | 218 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,233 |
| Cost of funding earning assets | 0.0526% | 4,523 |
| Net interest margin | 3.6274% | 1,931 |
| Noninterest income to average assets | 1.4400% | 412 |
| Noninterest expense to average assets | 1.4024% | 4,394 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 2.5848% | 244 |
| Return on assets (ROA) | 2.5781% | 239 |
| Pretax return on assets | 3.3591% | 175 |
| Return on Equity (ROE) | 26.7900% | 316 |
| Retained earnings to average equity (ytd only) | 0.6109% | 4,026 |
| Net charge-offs to loans | 0.0305% | 1,465 |
| Credit loss provision to net charge-offs | 1,600.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 350 |
| Efficiency ratio | 26.6667% | 4,533 |
| Assets per employee ($millions) | 30.9767% | 46 |
| Cash dividends to net income (ytd only)* | 97.7199% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 3,848 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,148 |
| Noncurrent loans to loans | 0.2306% | 2,426 |
| Net loans and leases to total assets | 29.5900% | 4,323 |
| Net loans and leases to deposits | 34.7922% | 4,317 |
| Net loans and leases to core deposits | 35.2801% | 4,334 |
| Total domestic deposits to total assets | 85.0500% | 2,480 |
| Equity capital to assets | 8.9527% | 2,445 |
| Core capital (leverage) ratio | 12.7442% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7638% | 727 |
| Memoranda: | ||
| Average total assets | $15,876,703,750 | 119 |
| Average earning assets | $15,217,153,500 | 109 |
| Average equity | $1,527,767,000 | 119 |
| Average total loans | $4,374,176,000 | 225 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,217 |
| Cost of funding earning assets | 0.0395% | 4,554 |
| Net interest margin | 3.5950% | 2,050 |
| Noninterest income to average assets | 1.4800% | 333 |
| Noninterest expense to average assets | 1.4267% | 4,392 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 2.5630% | 230 |
| Return on assets (ROA) | 2.5630% | 228 |
| Pretax return on assets | 3.3458% | 162 |
| Return on Equity (ROE) | 26.0300% | 331 |
| Retained earnings to average equity (ytd only) | -12.4357% | 4,539 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 26.9231% | 4,559 |
| Assets per employee ($millions) | 30.0856% | 47 |
| Cash dividends to net income (ytd only)* | 147.7833% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 3,963 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,796 |
| Noncurrent loans to loans | 0.0223% | 3,601 |
| Net loans and leases to total assets | 28.1600% | 4,357 |
| Net loans and leases to deposits | 33.2190% | 4,347 |
| Net loans and leases to core deposits | 33.2190% | 4,370 |
| Total domestic deposits to total assets | 84.7600% | 2,607 |
| Equity capital to assets | 9.2133% | 2,367 |
| Core capital (leverage) ratio | 11.9609% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1824% | 796 |
| Memoranda: | ||
| Average total assets | $15,840,938,333 | 115 |
| Average earning assets | $15,187,871,333 | 106 |
| Average equity | $1,560,022,667 | 114 |
| Average total loans | $4,241,901,333 | 222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 4,204 |
| Cost of funding earning assets | 0.0457% | 4,581 |
| Net interest margin | 3.5148% | 2,325 |
| Noninterest income to average assets | 1.5000% | 332 |
| Noninterest expense to average assets | 1.4808% | 4,400 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.4910% | 243 |
| Return on assets (ROA) | 2.4944% | 241 |
| Pretax return on assets | 3.2511% | 166 |
| Return on Equity (ROE) | 24.5400% | 425 |
| Retained earnings to average equity (ytd only) | 24.5395% | 193 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 28.4345% | 4,616 |
| Assets per employee ($millions) | 30.5766% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,207 |
| Loan loss allowance to noncurrent loans | 24,580.9524% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,936 |
| Noncurrent loans to loans | 0.0030% | 3,836 |
| Net loans and leases to total assets | 26.4300% | 4,436 |
| Net loans and leases to deposits | 31.1355% | 4,424 |
| Net loans and leases to core deposits | 31.1355% | 4,440 |
| Total domestic deposits to total assets | 84.8900% | 2,882 |
| Equity capital to assets | 10.7305% | 1,444 |
| Core capital (leverage) ratio | 12.7712% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2846% | 631 |
| Memoranda: | ||
| Average total assets | $15,848,907,500 | 118 |
| Average earning assets | $15,193,807,000 | 109 |
| Average equity | $1,611,034,000 | 111 |
| Average total loans | $4,116,352,000 | 237 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5740% | 4,470 |
| Cost of funding earning assets | 0.0431% | 4,586 |
| Net interest margin | 2.5309% | 4,253 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 1.2559% | 4,580 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.9408% | 330 |
| Return on assets (ROA) | 1.9945% | 290 |
| Pretax return on assets | 2.6097% | 182 |
| Return on Equity (ROE) | 18.6200% | 617 |
| Retained earnings to average equity (ytd only) | 18.6156% | 120 |
| Net charge-offs to loans | 0.0119% | 1,944 |
| Credit loss provision to net charge-offs | 426.1574% | 752 |
| Earnings coverage of net charge-offs (x) | 899.7037% | 198 |
| Efficiency ratio | 30.3504% | 4,649 |
| Assets per employee ($millions) | 30.2619% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 4,288 |
| Loan loss allowance to noncurrent loans | 25,293.1373% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,960 |
| Noncurrent loans to loans | 0.0026% | 3,868 |
| Net loans and leases to total assets | 25.1400% | 4,489 |
| Net loans and leases to deposits | 29.3295% | 4,483 |
| Net loans and leases to core deposits | 29.3295% | 4,491 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 9.5869% | 1,942 |
| Core capital (leverage) ratio | 12.6819% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6849% | 653 |
| Memoranda: | ||
| Average total assets | $15,232,887,800 | 123 |
| Average earning assets | $14,632,566,800 | 116 |
| Average equity | $1,632,048,200 | 115 |
| Average total loans | $3,630,319,000 | 245 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3853% | 4,502 |
| Cost of funding earning assets | 0.0422% | 4,608 |
| Net interest margin | 2.3431% | 4,380 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 1.2436% | 4,608 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.8038% | 427 |
| Return on assets (ROA) | 1.8759% | 356 |
| Pretax return on assets | 2.4519% | 226 |
| Return on Equity (ROE) | 17.0400% | 783 |
| Retained earnings to average equity (ytd only) | 17.0445% | 207 |
| Net charge-offs to loans | 0.0088% | 1,800 |
| Credit loss provision to net charge-offs | 2,178.7234% | 237 |
| Earnings coverage of net charge-offs (x) | 1,162.5915% | 127 |
| Efficiency ratio | 31.2807% | 4,682 |
| Assets per employee ($millions) | 28.9873% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,136 |
| Loan loss allowance to noncurrent loans | 21,368.6131% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,034 |
| Noncurrent loans to loans | 0.0036% | 3,935 |
| Net loans and leases to total assets | 24.4100% | 4,535 |
| Net loans and leases to deposits | 28.6254% | 4,519 |
| Net loans and leases to core deposits | 28.6254% | 4,528 |
| Total domestic deposits to total assets | 85.2700% | 3,226 |
| Equity capital to assets | 8.6964% | 2,409 |
| Core capital (leverage) ratio | 12.4255% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1077% | 720 |
| Memoranda: | ||
| Average total assets | $15,122,193,000 | 126 |
| Average earning assets | $14,540,974,750 | 121 |
| Average equity | $1,664,357,000 | 117 |
| Average total loans | $3,546,184,000 | 248 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2408% | 4,549 |
| Cost of funding earning assets | 0.0405% | 4,649 |
| Net interest margin | 2.2004% | 4,430 |
| Noninterest income to average assets | 1.4198% | 361 |
| Noninterest expense to average assets | 1.2503% | 4,612 |
| Loan and lease loss provision to assets | 0.0711% | 1,342 |
| Net operating income to assets | 1.7181% | 409 |
| Return on assets (ROA) | 1.8267% | 312 |
| Pretax return on assets | 2.3569% | 202 |
| Return on Equity (ROE) | 15.4931% | 798 |
| Retained earnings to average equity (ytd only) | 15.4931% | 224 |
| Net charge-offs to loans | 0.0097% | 1,624 |
| Credit loss provision to net charge-offs | 2,977.9762% | 184 |
| Earnings coverage of net charge-offs (x) | 1,026.0774% | 128 |
| Efficiency ratio | 32.4432% | 4,698 |
| Assets per employee ($millions) | 28.4335% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 4,202 |
| Loan loss allowance to noncurrent loans | 3,718.1934% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,998 |
| Noncurrent loans to loans | 0.0210% | 3,809 |
| Net loans and leases to total assets | 24.6617% | 4,584 |
| Net loans and leases to deposits | 29.1717% | 4,568 |
| Net loans and leases to core deposits | 29.1717% | 4,582 |
| Total domestic deposits to total assets | 84.5397% | 3,579 |
| Equity capital to assets | 10.2180% | 1,577 |
| Core capital (leverage) ratio | 12.1589% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7089% | 752 |
| Memoranda: | ||
| Average total assets | $15,051,490,000 | 125 |
| Average earning assets | $14,509,091,333 | 120 |
| Average equity | $1,774,632,333 | 113 |
| Average total loans | $3,470,899,667 | 251 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1570% | 4,551 |
| Cost of funding earning assets | 0.0391% | 4,664 |
| Net interest margin | 2.1179% | 4,423 |
| Noninterest income to average assets | 1.4010% | 384 |
| Noninterest expense to average assets | 1.2729% | 4,636 |
| Loan and lease loss provision to assets | 0.0118% | 2,127 |
| Net operating income to assets | 1.6524% | 454 |
| Return on assets (ROA) | 1.8689% | 287 |
| Pretax return on assets | 2.4379% | 194 |
| Return on Equity (ROE) | 14.8583% | 675 |
| Retained earnings to average equity (ytd only) | 14.8583% | 299 |
| Net charge-offs to loans | 0.0202% | 1,132 |
| Credit loss provision to net charge-offs | 55.9524% | 1,181 |
| Earnings coverage of net charge-offs (x) | 487.0060% | 214 |
| Efficiency ratio | 33.9633% | 4,717 |
| Assets per employee ($millions) | 28.4478% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 4,382 |
| Loan loss allowance to noncurrent loans | 54,035.5556% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,130 |
| Noncurrent loans to loans | 0.0013% | 4,050 |
| Net loans and leases to total assets | 22.6850% | 4,635 |
| Net loans and leases to deposits | 27.3520% | 4,616 |
| Net loans and leases to core deposits | 27.3520% | 4,629 |
| Total domestic deposits to total assets | 82.9370% | 3,948 |
| Equity capital to assets | 11.3693% | 1,175 |
| Core capital (leverage) ratio | 11.8585% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4988% | 825 |
| Memoranda: | ||
| Average total assets | $15,042,354,000 | 127 |
| Average earning assets | $14,542,699,500 | 122 |
| Average equity | $1,892,033,500 | 110 |
| Average total loans | $3,333,510,000 | 258 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0779% | 4,664 |
| Cost of funding earning assets | 0.0305% | 4,756 |
| Net interest margin | 2.0473% | 4,575 |
| Noninterest income to average assets | 1.5268% | 487 |
| Noninterest expense to average assets | 1.1673% | 4,723 |
| Loan and lease loss provision to assets | 0.0302% | 2,452 |
| Net operating income to assets | 1.7629% | 552 |
| Return on assets (ROA) | 1.9021% | 432 |
| Pretax return on assets | 2.4898% | 262 |
| Return on Equity (ROE) | 13.5156% | 1,305 |
| Retained earnings to average equity (ytd only) | 13.5156% | 349 |
| Net charge-offs to loans | 0.0051% | 2,406 |
| Credit loss provision to net charge-offs | 2,770.8955% | 244 |
| Earnings coverage of net charge-offs (x) | 2,513.5821% | 51 |
| Efficiency ratio | 30.2168% | 4,791 |
| Assets per employee ($millions) | 29.9068% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,323 |
| Loan loss allowance to noncurrent loans | 5,877.1084% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,159 |
| Noncurrent loans to loans | 0.0130% | 3,997 |
| Net loans and leases to total assets | 21.2992% | 4,707 |
| Net loans and leases to deposits | 26.9650% | 4,673 |
| Net loans and leases to core deposits | 26.9650% | 4,686 |
| Total domestic deposits to total assets | 78.9882% | 4,320 |
| Equity capital to assets | 13.8109% | 704 |
| Core capital (leverage) ratio | 11.9746% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9318% | 766 |
| Memoranda: | ||
| Average total assets | $14,370,895,000 | 127 |
| Average earning assets | $13,927,720,800 | 120 |
| Average equity | $2,022,493,800 | 111 |
| Average total loans | $2,601,967,200 | 295 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0582% | 4,751 |
| Cost of funding earning assets | 0.0293% | 4,844 |
| Net interest margin | 2.0289% | 4,665 |
| Noninterest income to average assets | 1.5678% | 507 |
| Noninterest expense to average assets | 1.1165% | 4,810 |
| Loan and lease loss provision to assets | 0.0391% | 2,213 |
| Net operating income to assets | 1.8145% | 648 |
| Return on assets (ROA) | 1.9299% | 548 |
| Pretax return on assets | 2.5244% | 328 |
| Return on Equity (ROE) | 13.6462% | 1,501 |
| Retained earnings to average equity (ytd only) | 13.6462% | 548 |
| Net charge-offs to loans | 0.0058% | 2,115 |
| Credit loss provision to net charge-offs | 3,446.2264% | 217 |
| Earnings coverage of net charge-offs (x) | 2,435.8868% | 58 |
| Efficiency ratio | 28.5545% | 4,869 |
| Assets per employee ($millions) | 30.4679% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,285 |
| Loan loss allowance to noncurrent loans | 9,704.3825% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,279 |
| Noncurrent loans to loans | 0.0087% | 4,143 |
| Net loans and leases to total assets | 19.5161% | 4,802 |
| Net loans and leases to deposits | 24.2576% | 4,786 |
| Net loans and leases to core deposits | 24.2576% | 4,792 |
| Total domestic deposits to total assets | 80.4538% | 4,170 |
| Equity capital to assets | 14.1558% | 699 |
| Core capital (leverage) ratio | 11.9388% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9628% | 819 |
| Memoranda: | ||
| Average total assets | $14,240,221,500 | 129 |
| Average earning assets | $13,800,168,500 | 121 |
| Average equity | $2,013,882,750 | 112 |
| Average total loans | $2,453,308,000 | 311 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0630% | 4,791 |
| Cost of funding earning assets | 0.0279% | 4,882 |
| Net interest margin | 2.0350% | 4,695 |
| Noninterest income to average assets | 1.6363% | 461 |
| Noninterest expense to average assets | 1.1033% | 4,847 |
| Loan and lease loss provision to assets | 0.0491% | 2,048 |
| Net operating income to assets | 1.8833% | 614 |
| Return on assets (ROA) | 1.9279% | 581 |
| Pretax return on assets | 2.5116% | 352 |
| Return on Equity (ROE) | 13.6369% | 1,526 |
| Retained earnings to average equity (ytd only) | 13.6369% | 610 |
| Net charge-offs to loans | 0.0012% | 2,190 |
| Credit loss provision to net charge-offs | 22,614.2857% | 17 |
| Earnings coverage of net charge-offs (x) | 12,621.2143% | 5 |
| Efficiency ratio | 27.5803% | 4,909 |
| Assets per employee ($millions) | 32.8317% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,128 |
| Loan loss allowance to noncurrent loans | 15,360.8974% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,339 |
| Noncurrent loans to loans | 0.0059% | 4,224 |
| Net loans and leases to total assets | 18.0499% | 4,847 |
| Net loans and leases to deposits | 22.5017% | 4,843 |
| Net loans and leases to core deposits | 22.5017% | 4,844 |
| Total domestic deposits to total assets | 80.2157% | 4,208 |
| Equity capital to assets | 14.1186% | 694 |
| Core capital (leverage) ratio | 11.6142% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5396% | 753 |
| Memoranda: | ||
| Average total assets | $14,112,091,333 | 129 |
| Average earning assets | $13,668,802,667 | 121 |
| Average equity | $1,995,100,000 | 113 |
| Average total loans | $2,311,571,333 | 324 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1068% | 4,816 |
| Cost of funding earning assets | 0.0254% | 4,922 |
| Net interest margin | 2.0814% | 4,687 |
| Noninterest income to average assets | 1.7982% | 443 |
| Noninterest expense to average assets | 1.1214% | 4,880 |
| Loan and lease loss provision to assets | 0.0481% | 2,119 |
| Net operating income to assets | 2.0246% | 553 |
| Return on assets (ROA) | 2.0198% | 601 |
| Pretax return on assets | 2.6370% | 361 |
| Return on Equity (ROE) | 14.2767% | 1,378 |
| Retained earnings to average equity (ytd only) | 14.2767% | 730 |
| Net charge-offs to loans | 0.0039% | 1,780 |
| Credit loss provision to net charge-offs | 6,566.6667% | 97 |
| Earnings coverage of net charge-offs (x) | 4,467.8095% | 8 |
| Efficiency ratio | 26.5378% | 4,935 |
| Assets per employee ($millions) | 36.0335% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,913 |
| Loan loss allowance to noncurrent loans | 8,797.2222% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,400 |
| Noncurrent loans to loans | 0.0112% | 4,256 |
| Net loans and leases to total assets | 15.4724% | 4,892 |
| Net loans and leases to deposits | 19.5986% | 4,884 |
| Net loans and leases to core deposits | 19.5986% | 4,890 |
| Total domestic deposits to total assets | 78.9467% | 4,337 |
| Equity capital to assets | 13.3930% | 813 |
| Core capital (leverage) ratio | 11.3140% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4600% | 736 |
| Memoranda: | ||
| Average total assets | $13,945,152,500 | 130 |
| Average earning assets | $13,496,199,000 | 122 |
| Average equity | $1,972,866,000 | 114 |
| Average total loans | $2,151,631,500 | 348 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4699% | 4,851 |
| Cost of funding earning assets | 0.0502% | 4,939 |
| Net interest margin | 2.4197% | 4,642 |
| Noninterest income to average assets | 1.6050% | 483 |
| Noninterest expense to average assets | 1.2524% | 4,885 |
| Loan and lease loss provision to assets | 0.0604% | 3,615 |
| Net operating income to assets | 2.0074% | 260 |
| Return on assets (ROA) | 2.2693% | 182 |
| Pretax return on assets | 2.9556% | 128 |
| Return on Equity (ROE) | 15.0889% | 631 |
| Retained earnings to average equity (ytd only) | 15.0889% | 156 |
| Net charge-offs to loans | 0.0894% | 1,562 |
| Credit loss provision to net charge-offs | 472.5170% | 1,303 |
| Earnings coverage of net charge-offs (x) | 218.1735% | 442 |
| Efficiency ratio | 28.5294% | 4,966 |
| Assets per employee ($millions) | 35.7470% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,804 |
| Loan loss allowance to noncurrent loans | 4,862.3832% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,452 |
| Noncurrent loans to loans | 0.0209% | 4,251 |
| Net loans and leases to total assets | 15.0630% | 4,916 |
| Net loans and leases to deposits | 18.8906% | 4,908 |
| Net loans and leases to core deposits | 18.8906% | 4,912 |
| Total domestic deposits to total assets | 79.7384% | 4,085 |
| Equity capital to assets | 14.9582% | 581 |
| Core capital (leverage) ratio | 12.1621% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6222% | 532 |
| Memoranda: | ||
| Average total assets | $11,947,441,800 | 136 |
| Average earning assets | $11,513,521,800 | 132 |
| Average equity | $1,796,868,200 | 115 |
| Average total loans | $1,644,356,200 | 412 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5745% | 4,891 |
| Cost of funding earning assets | 0.0637% | 4,970 |
| Net interest margin | 2.5107% | 4,650 |
| Noninterest income to average assets | 1.6543% | 435 |
| Noninterest expense to average assets | 1.2674% | 4,917 |
| Loan and lease loss provision to assets | 0.0699% | 3,455 |
| Net operating income to assets | 2.0857% | 248 |
| Return on assets (ROA) | 2.3036% | 184 |
| Pretax return on assets | 3.0100% | 121 |
| Return on Equity (ROE) | 15.2925% | 649 |
| Retained earnings to average equity (ytd only) | 15.2925% | 184 |
| Net charge-offs to loans | 0.1205% | 1,163 |
| Credit loss provision to net charge-offs | 415.6877% | 1,435 |
| Earnings coverage of net charge-offs (x) | 174.3732% | 537 |
| Efficiency ratio | 27.8471% | 5,001 |
| Assets per employee ($millions) | 33.0541% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,950 |
| Loan loss allowance to noncurrent loans | 10,445.5026% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,529 |
| Noncurrent loans to loans | 0.0110% | 4,401 |
| Net loans and leases to total assets | 13.5420% | 4,963 |
| Net loans and leases to deposits | 17.8391% | 4,961 |
| Net loans and leases to core deposits | 17.9024% | 4,960 |
| Total domestic deposits to total assets | 75.9122% | 4,434 |
| Equity capital to assets | 15.4311% | 549 |
| Core capital (leverage) ratio | 11.9102% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3355% | 493 |
| Memoranda: | ||
| Average total assets | $11,574,084,750 | 137 |
| Average earning assets | $11,143,447,000 | 134 |
| Average equity | $1,743,456,750 | 117 |
| Average total loans | $1,544,091,500 | 434 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7524% | 4,921 |
| Cost of funding earning assets | 0.0932% | 4,980 |
| Net interest margin | 2.6592% | 4,599 |
| Noninterest income to average assets | 1.7237% | 358 |
| Noninterest expense to average assets | 1.3111% | 4,947 |
| Loan and lease loss provision to assets | 0.0790% | 3,306 |
| Net operating income to assets | 2.2092% | 218 |
| Return on assets (ROA) | 2.3243% | 198 |
| Pretax return on assets | 3.0372% | 108 |
| Return on Equity (ROE) | 15.5718% | 626 |
| Retained earnings to average equity (ytd only) | 15.5718% | 196 |
| Net charge-offs to loans | 0.0149% | 2,444 |
| Credit loss provision to net charge-offs | 3,842.3423% | 281 |
| Earnings coverage of net charge-offs (x) | 1,504.6577% | 51 |
| Efficiency ratio | 27.4105% | 5,031 |
| Assets per employee ($millions) | 29.2777% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,464 |
| Loan loss allowance to noncurrent loans | 3,524.2315% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,574 |
| Noncurrent loans to loans | 0.0343% | 4,342 |
| Net loans and leases to total assets | 13.4811% | 4,999 |
| Net loans and leases to deposits | 17.0457% | 4,998 |
| Net loans and leases to core deposits | 17.1715% | 4,995 |
| Total domestic deposits to total assets | 79.0881% | 4,026 |
| Equity capital to assets | 15.7079% | 509 |
| Core capital (leverage) ratio | 11.0700% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1472% | 494 |
| Memoranda: | ||
| Average total assets | $11,245,264,000 | 138 |
| Average earning assets | $10,816,632,333 | 135 |
| Average equity | $1,678,531,333 | 121 |
| Average total loans | $1,485,223,667 | 442 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9829% | 4,961 |
| Cost of funding earning assets | 0.1435% | 4,984 |
| Net interest margin | 2.8394% | 4,522 |
| Noninterest income to average assets | 1.9245% | 284 |
| Noninterest expense to average assets | 1.3738% | 4,974 |
| Loan and lease loss provision to assets | 0.0525% | 3,118 |
| Net operating income to assets | 2.4682% | 116 |
| Return on assets (ROA) | 2.4772% | 120 |
| Pretax return on assets | 3.2410% | 67 |
| Return on Equity (ROE) | 17.0768% | 333 |
| Retained earnings to average equity (ytd only) | 17.0768% | 110 |
| Net charge-offs to loans | 0.0180% | 2,014 |
| Credit loss provision to net charge-offs | 1,953.1250% | 349 |
| Earnings coverage of net charge-offs (x) | 1,406.2188% | 32 |
| Efficiency ratio | 26.4794% | 5,075 |
| Assets per employee ($millions) | 30.2731% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,206 |
| Loan loss allowance to noncurrent loans | 4,526.3014% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,630 |
| Noncurrent loans to loans | 0.0243% | 4,474 |
| Net loans and leases to total assets | 13.3752% | 5,044 |
| Net loans and leases to deposits | 16.4426% | 5,045 |
| Net loans and leases to core deposits | 16.5673% | 5,041 |
| Total domestic deposits to total assets | 81.3451% | 3,586 |
| Equity capital to assets | 14.3536% | 941 |
| Core capital (leverage) ratio | 11.5206% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0294% | 560 |
| Memoranda: | ||
| Average total assets | $10,968,445,500 | 140 |
| Average earning assets | $10,550,971,500 | 134 |
| Average equity | $1,591,119,500 | 130 |
| Average total loans | $1,422,779,500 | 444 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0744% | 5,036 |
| Cost of funding earning assets | 0.1443% | 5,055 |
| Net interest margin | 2.9302% | 4,623 |
| Noninterest income to average assets | 1.8606% | 293 |
| Noninterest expense to average assets | 1.4018% | 5,039 |
| Loan and lease loss provision to assets | 0.0209% | 3,603 |
| Net operating income to assets | 2.4837% | 140 |
| Return on assets (ROA) | 2.8842% | 90 |
| Pretax return on assets | 3.7573% | 68 |
| Return on Equity (ROE) | 21.2770% | 152 |
| Retained earnings to average equity (ytd only) | 21.2770% | 26 |
| Net charge-offs to loans | -0.0002% | 4,129 |
| Credit loss provision to net charge-offs | -106,900.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7690% | 5,144 |
| Assets per employee ($millions) | 28.7179% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,428 |
| Loan loss allowance to noncurrent loans | 775.6710% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,577 |
| Noncurrent loans to loans | 0.1304% | 3,997 |
| Net loans and leases to total assets | 12.2793% | 5,113 |
| Net loans and leases to deposits | 15.2699% | 5,114 |
| Net loans and leases to core deposits | 15.3743% | 5,110 |
| Total domestic deposits to total assets | 80.4147% | 3,894 |
| Equity capital to assets | 14.6631% | 877 |
| Core capital (leverage) ratio | 11.3316% | 2,227 |
| Tier 1 risk-based capital ratio | 22.9048% | 918 |
| Total risk-based capital ratio | 23.1654% | 1,012 |
| Memoranda: | ||
| Average total assets | $10,246,423,000 | 142 |
| Average earning assets | $9,835,002,400 | 133 |
| Average equity | $1,388,929,000 | 136 |
| Average total loans | $1,167,648,800 | 503 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 5,122 |
| Cost of funding earning assets | 0.1449% | 5,131 |
| Net interest margin | 2.9650% | 4,672 |
| Noninterest income to average assets | 1.9011% | 286 |
| Noninterest expense to average assets | 1.3951% | 5,117 |
| Loan and lease loss provision to assets | 0.0174% | 3,567 |
| Net operating income to assets | 2.5259% | 156 |
| Return on assets (ROA) | 2.8045% | 109 |
| Pretax return on assets | 3.6848% | 75 |
| Return on Equity (ROE) | 21.1524% | 195 |
| Retained earnings to average equity (ytd only) | 21.1524% | 43 |
| Net charge-offs to loans | 0.0180% | 2,773 |
| Credit loss provision to net charge-offs | 865.1316% | 408 |
| Earnings coverage of net charge-offs (x) | 1,669.5263% | 43 |
| Efficiency ratio | 26.1777% | 5,224 |
| Assets per employee ($millions) | 27.0663% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,408 |
| Loan loss allowance to noncurrent loans | 623.0845% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,650 |
| Noncurrent loans to loans | 0.1650% | 3,952 |
| Net loans and leases to total assets | 11.3764% | 5,196 |
| Net loans and leases to deposits | 14.3482% | 5,196 |
| Net loans and leases to core deposits | 14.4213% | 5,190 |
| Total domestic deposits to total assets | 79.2881% | 4,124 |
| Equity capital to assets | 14.4101% | 1,005 |
| Core capital (leverage) ratio | 10.9763% | 2,667 |
| Tier 1 risk-based capital ratio | 21.2732% | 1,156 |
| Total risk-based capital ratio | 21.5156% | 1,293 |
| Memoranda: | ||
| Average total assets | $10,101,365,000 | 142 |
| Average earning assets | $9,687,147,250 | 133 |
| Average equity | $1,339,280,750 | 137 |
| Average total loans | $1,123,806,750 | 518 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1628% | 5,163 |
| Cost of funding earning assets | 0.1458% | 5,169 |
| Net interest margin | 3.0170% | 4,657 |
| Noninterest income to average assets | 1.9635% | 276 |
| Noninterest expense to average assets | 1.4519% | 5,140 |
| Loan and lease loss provision to assets | 0.0052% | 3,623 |
| Net operating income to assets | 2.5663% | 140 |
| Return on assets (ROA) | 2.5668% | 144 |
| Pretax return on assets | 3.3962% | 92 |
| Return on Equity (ROE) | 19.9824% | 260 |
| Retained earnings to average equity (ytd only) | 19.9824% | 63 |
| Net charge-offs to loans | -0.0004% | 3,865 |
| Credit loss provision to net charge-offs | -12,850.0000% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7056% | 5,267 |
| Assets per employee ($millions) | 27.7629% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,488 |
| Loan loss allowance to noncurrent loans | 510.5148% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,669 |
| Noncurrent loans to loans | 0.2005% | 3,831 |
| Net loans and leases to total assets | 10.9867% | 5,247 |
| Net loans and leases to deposits | 13.5187% | 5,249 |
| Net loans and leases to core deposits | 13.5625% | 5,244 |
| Total domestic deposits to total assets | 81.2703% | 3,730 |
| Equity capital to assets | 13.9183% | 1,148 |
| Core capital (leverage) ratio | 10.3176% | 3,268 |
| Tier 1 risk-based capital ratio | 20.7111% | 1,216 |
| Total risk-based capital ratio | 20.9441% | 1,374 |
| Memoranda: | ||
| Average total assets | $9,913,780,330 | 144 |
| Average earning assets | $9,493,570,330 | 135 |
| Average equity | $1,273,471,000 | 141 |
| Average total loans | $1,089,809,670 | 533 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1652% | 5,220 |
| Cost of funding earning assets | 0.1438% | 5,221 |
| Net interest margin | 3.0214% | 4,716 |
| Noninterest income to average assets | 2.0098% | 246 |
| Noninterest expense to average assets | 1.5478% | 5,135 |
| Loan and lease loss provision to assets | -0.0049% | 5,195 |
| Net operating income to assets | 2.5699% | 144 |
| Return on assets (ROA) | 2.5575% | 155 |
| Pretax return on assets | 3.3406% | 99 |
| Return on Equity (ROE) | 20.8317% | 221 |
| Retained earnings to average equity (ytd only) | 20.8317% | 90 |
| Net charge-offs to loans | -0.0004% | 3,786 |
| Credit loss provision to net charge-offs | 11,800.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3471% | 5,323 |
| Assets per employee ($millions) | 28.1455% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,311 |
| Loan loss allowance to noncurrent loans | 346.2244% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 4,676 |
| Noncurrent loans to loans | 0.3085% | 3,463 |
| Net loans and leases to total assets | 10.2960% | 5,310 |
| Net loans and leases to deposits | 12.4363% | 5,309 |
| Net loans and leases to core deposits | 12.4677% | 5,304 |
| Total domestic deposits to total assets | 82.7897% | 3,463 |
| Equity capital to assets | 12.4795% | 1,748 |
| Core capital (leverage) ratio | 9.7616% | 3,858 |
| Tier 1 risk-based capital ratio | 19.6028% | 1,422 |
| Total risk-based capital ratio | 19.8320% | 1,598 |
| Memoranda: | ||
| Average total assets | $9,720,650,000 | 145 |
| Average earning assets | $9,296,096,500 | 139 |
| Average equity | $1,193,412,500 | 146 |
| Average total loans | $1,063,045,000 | 545 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9513% | 5,249 |
| Cost of funding earning assets | 0.1474% | 5,178 |
| Net interest margin | 2.8039% | 5,020 |
| Noninterest income to average assets | 1.9514% | 280 |
| Noninterest expense to average assets | 1.5220% | 5,211 |
| Loan and lease loss provision to assets | 0.0393% | 3,412 |
| Net operating income to assets | 2.3300% | 205 |
| Return on assets (ROA) | 2.3221% | 197 |
| Pretax return on assets | 3.0289% | 94 |
| Return on Equity (ROE) | 19.9593% | 253 |
| Retained earnings to average equity (ytd only) | 19.9593% | 35 |
| Net charge-offs to loans | -0.0010% | 4,186 |
| Credit loss provision to net charge-offs | -38,077.7778% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2338% | 5,368 |
| Assets per employee ($millions) | 65.1595% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,249 |
| Loan loss allowance to noncurrent loans | 286.3363% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,632 |
| Noncurrent loans to loans | 0.3750% | 3,193 |
| Net loans and leases to total assets | 11.3946% | 5,351 |
| Net loans and leases to deposits | 13.7225% | 5,351 |
| Net loans and leases to core deposits | 13.7447% | 5,345 |
| Total domestic deposits to total assets | 83.0359% | 3,315 |
| Equity capital to assets | 12.0542% | 1,856 |
| Core capital (leverage) ratio | 9.8969% | 3,698 |
| Tier 1 risk-based capital ratio | 19.5293% | 1,395 |
| Total risk-based capital ratio | 19.7776% | 1,564 |
| Memoranda: | ||
| Average total assets | $8,726,219,600 | 153 |
| Average earning assets | $8,243,338,600 | 149 |
| Average equity | $1,015,228,200 | 160 |
| Average total loans | $873,200,800 | 637 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9143% | 5,323 |
| Cost of funding earning assets | 0.1485% | 5,225 |
| Net interest margin | 2.7658% | 5,117 |
| Noninterest income to average assets | 1.9943% | 277 |
| Noninterest expense to average assets | 1.5438% | 5,251 |
| Loan and lease loss provision to assets | 0.0487% | 3,019 |
| Net operating income to assets | 2.3026% | 225 |
| Return on assets (ROA) | 2.2906% | 233 |
| Pretax return on assets | 2.9931% | 110 |
| Return on Equity (ROE) | 19.8815% | 284 |
| Retained earnings to average equity (ytd only) | 19.8815% | 56 |
| Net charge-offs to loans | -0.0008% | 4,009 |
| Credit loss provision to net charge-offs | -62,760.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6453% | 5,435 |
| Assets per employee ($millions) | 67.6962% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,726 |
| Loan loss allowance to noncurrent loans | 268.1982% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,740 |
| Noncurrent loans to loans | 0.4408% | 3,075 |
| Net loans and leases to total assets | 10.5075% | 5,427 |
| Net loans and leases to deposits | 12.4887% | 5,427 |
| Net loans and leases to core deposits | 12.4991% | 5,422 |
| Total domestic deposits to total assets | 84.1361% | 2,898 |
| Equity capital to assets | 11.5077% | 2,255 |
| Core capital (leverage) ratio | 9.4247% | 4,256 |
| Tier 1 risk-based capital ratio | 18.7658% | 1,594 |
| Total risk-based capital ratio | 19.0152% | 1,812 |
| Memoranda: | ||
| Average total assets | $8,594,613,000 | 153 |
| Average earning assets | $8,099,274,500 | 149 |
| Average equity | $990,202,500 | 160 |
| Average total loans | $825,065,750 | 673 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8627% | 5,388 |
| Cost of funding earning assets | 0.1486% | 5,252 |
| Net interest margin | 2.7141% | 5,208 |
| Noninterest income to average assets | 2.0530% | 265 |
| Noninterest expense to average assets | 1.5890% | 5,276 |
| Loan and lease loss provision to assets | 0.0482% | 2,947 |
| Net operating income to assets | 2.2728% | 222 |
| Return on assets (ROA) | 2.2637% | 225 |
| Pretax return on assets | 2.9587% | 118 |
| Return on Equity (ROE) | 19.6404% | 288 |
| Retained earnings to average equity (ytd only) | 19.6404% | 71 |
| Net charge-offs to loans | 0.0031% | 3,078 |
| Credit loss provision to net charge-offs | 17,083.3333% | 21 |
| Earnings coverage of net charge-offs (x) | 10,694.8333% | 5 |
| Efficiency ratio | 30.5407% | 5,494 |
| Assets per employee ($millions) | 65.6967% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,846 |
| Loan loss allowance to noncurrent loans | 257.2087% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,803 |
| Noncurrent loans to loans | 0.4575% | 3,065 |
| Net loans and leases to total assets | 9.6535% | 5,491 |
| Net loans and leases to deposits | 11.3720% | 5,495 |
| Net loans and leases to core deposits | 11.3800% | 5,488 |
| Total domestic deposits to total assets | 84.8886% | 2,713 |
| Equity capital to assets | 11.2711% | 2,386 |
| Core capital (leverage) ratio | 9.2284% | 4,438 |
| Tier 1 risk-based capital ratio | 17.3968% | 1,967 |
| Total risk-based capital ratio | 17.6205% | 2,248 |
| Memoranda: | ||
| Average total assets | $8,503,418,330 | 151 |
| Average earning assets | $8,003,118,670 | 148 |
| Average equity | $980,093,670 | 159 |
| Average total loans | $785,762,670 | 706 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7720% | 5,463 |
| Cost of funding earning assets | 0.1440% | 5,296 |
| Net interest margin | 2.6281% | 5,306 |
| Noninterest income to average assets | 2.1151% | 256 |
| Noninterest expense to average assets | 1.6652% | 5,273 |
| Loan and lease loss provision to assets | 0.0496% | 2,787 |
| Net operating income to assets | 2.1825% | 255 |
| Return on assets (ROA) | 2.1699% | 261 |
| Pretax return on assets | 2.8562% | 129 |
| Return on Equity (ROE) | 18.6118% | 351 |
| Retained earnings to average equity (ytd only) | 18.6118% | 132 |
| Net charge-offs to loans | 0.0053% | 2,545 |
| Credit loss provision to net charge-offs | 10,390.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 6,125.8000% | 7 |
| Efficiency ratio | 32.2842% | 5,553 |
| Assets per employee ($millions) | 64.1376% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,074 |
| Loan loss allowance to noncurrent loans | 467.2182% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,002 |
| Noncurrent loans to loans | 0.2467% | 3,880 |
| Net loans and leases to total assets | 8.9490% | 5,557 |
| Net loans and leases to deposits | 10.5096% | 5,559 |
| Net loans and leases to core deposits | 10.5098% | 5,552 |
| Total domestic deposits to total assets | 85.1509% | 2,882 |
| Equity capital to assets | 11.1118% | 2,471 |
| Core capital (leverage) ratio | 8.9063% | 4,793 |
| Tier 1 risk-based capital ratio | 16.4485% | 2,292 |
| Total risk-based capital ratio | 16.6537% | 2,635 |
| Memoranda: | ||
| Average total assets | $8,386,296,500 | 153 |
| Average earning assets | $7,888,203,500 | 149 |
| Average equity | $977,724,000 | 159 |
| Average total loans | $751,877,000 | 736 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4799% | 5,560 |
| Cost of funding earning assets | 0.1436% | 5,296 |
| Net interest margin | 2.3363% | 5,494 |
| Noninterest income to average assets | 2.0695% | 283 |
| Noninterest expense to average assets | 1.7394% | 5,294 |
| Loan and lease loss provision to assets | 0.0337% | 3,591 |
| Net operating income to assets | 1.5688% | 693 |
| Return on assets (ROA) | 1.6155% | 652 |
| Pretax return on assets | 2.5627% | 161 |
| Return on Equity (ROE) | 13.4625% | 855 |
| Retained earnings to average equity (ytd only) | 13.4625% | 119 |
| Net charge-offs to loans | -0.0218% | 4,980 |
| Credit loss provision to net charge-offs | -2,069.6000% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0823% | 5,578 |
| Assets per employee ($millions) | 51.0316% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,279 |
| Loan loss allowance to noncurrent loans | 395.9446% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,030 |
| Noncurrent loans to loans | 0.2809% | 3,777 |
| Net loans and leases to total assets | 8.7731% | 5,624 |
| Net loans and leases to deposits | 10.7528% | 5,626 |
| Net loans and leases to core deposits | 10.7553% | 5,618 |
| Total domestic deposits to total assets | 81.5894% | 3,973 |
| Equity capital to assets | 12.2421% | 1,679 |
| Core capital (leverage) ratio | 9.2801% | 4,314 |
| Tier 1 risk-based capital ratio | 17.2219% | 2,020 |
| Total risk-based capital ratio | 17.4158% | 2,313 |
| Memoranda: | ||
| Average total assets | $7,684,453,000 | 158 |
| Average earning assets | $7,213,857,200 | 152 |
| Average equity | $922,163,600 | 159 |
| Average total loans | $573,645,400 | 899 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4302% | 5,638 |
| Cost of funding earning assets | 0.1440% | 5,350 |
| Net interest margin | 2.2863% | 5,577 |
| Noninterest income to average assets | 2.1091% | 290 |
| Noninterest expense to average assets | 1.7458% | 5,328 |
| Loan and lease loss provision to assets | 0.0250% | 3,639 |
| Net operating income to assets | 1.5703% | 766 |
| Return on assets (ROA) | 1.5852% | 762 |
| Pretax return on assets | 2.5110% | 202 |
| Return on Equity (ROE) | 13.2809% | 991 |
| Retained earnings to average equity (ytd only) | 13.2809% | 201 |
| Net charge-offs to loans | -0.0362% | 5,063 |
| Credit loss provision to net charge-offs | -971.2329% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2004% | 5,637 |
| Assets per employee ($millions) | 52.0074% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,592 |
| Loan loss allowance to noncurrent loans | 431.0497% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,148 |
| Noncurrent loans to loans | 0.2509% | 4,057 |
| Net loans and leases to total assets | 8.0412% | 5,692 |
| Net loans and leases to deposits | 9.6553% | 5,695 |
| Net loans and leases to core deposits | 9.6574% | 5,689 |
| Total domestic deposits to total assets | 83.2835% | 3,364 |
| Equity capital to assets | 12.5556% | 1,630 |
| Core capital (leverage) ratio | 8.8699% | 4,904 |
| Tier 1 risk-based capital ratio | 17.0783% | 2,133 |
| Total risk-based capital ratio | 17.2526% | 2,441 |
| Memoranda: | ||
| Average total assets | $7,577,061,500 | 163 |
| Average earning assets | $7,123,280,750 | 156 |
| Average equity | $904,373,500 | 162 |
| Average total loans | $537,092,250 | 955 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3777% | 5,689 |
| Cost of funding earning assets | 0.1434% | 5,377 |
| Net interest margin | 2.2344% | 5,639 |
| Noninterest income to average assets | 2.1813% | 283 |
| Noninterest expense to average assets | 1.9214% | 5,154 |
| Loan and lease loss provision to assets | 0.0028% | 3,840 |
| Net operating income to assets | 1.4830% | 898 |
| Return on assets (ROA) | 1.4925% | 904 |
| Pretax return on assets | 2.3675% | 269 |
| Return on Equity (ROE) | 12.7337% | 1,104 |
| Retained earnings to average equity (ytd only) | 12.7337% | 265 |
| Net charge-offs to loans | -0.0575% | 5,233 |
| Credit loss provision to net charge-offs | -72.4138% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1001% | 5,627 |
| Assets per employee ($millions) | 49.2135% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,859 |
| Loan loss allowance to noncurrent loans | 311.4607% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,180 |
| Noncurrent loans to loans | 0.3367% | 3,839 |
| Net loans and leases to total assets | 6.7286% | 5,746 |
| Net loans and leases to deposits | 8.1595% | 5,748 |
| Net loans and leases to core deposits | 8.1600% | 5,742 |
| Total domestic deposits to total assets | 82.4633% | 3,743 |
| Equity capital to assets | 12.0826% | 1,876 |
| Core capital (leverage) ratio | 8.5008% | 5,216 |
| Tier 1 risk-based capital ratio | 15.4022% | 2,743 |
| Total risk-based capital ratio | 15.5373% | 3,194 |
| Memoranda: | ||
| Average total assets | $7,502,379,330 | 163 |
| Average earning assets | $7,036,499,000 | 158 |
| Average equity | $879,339,000 | 166 |
| Average total loans | $504,735,000 | 1,014 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2859% | 5,772 |
| Cost of funding earning assets | 0.1423% | 5,421 |
| Net interest margin | 2.1437% | 5,727 |
| Noninterest income to average assets | 2.2450% | 267 |
| Noninterest expense to average assets | 2.0291% | 4,984 |
| Loan and lease loss provision to assets | 0.0006% | 3,533 |
| Net operating income to assets | 1.4109% | 979 |
| Return on assets (ROA) | 1.4191% | 988 |
| Pretax return on assets | 2.2369% | 333 |
| Return on Equity (ROE) | 12.3078% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.3078% | 443 |
| Net charge-offs to loans | -0.1177% | 5,493 |
| Credit loss provision to net charge-offs | -7.5862% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7543% | 5,633 |
| Assets per employee ($millions) | 43.2520% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,588 |
| Loan loss allowance to noncurrent loans | 186.4523% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 5,156 |
| Noncurrent loans to loans | 0.6007% | 3,017 |
| Net loans and leases to total assets | 6.2848% | 5,815 |
| Net loans and leases to deposits | 7.2670% | 5,817 |
| Net loans and leases to core deposits | 7.2680% | 5,808 |
| Total domestic deposits to total assets | 86.4844% | 2,451 |
| Equity capital to assets | 11.3052% | 2,350 |
| Core capital (leverage) ratio | 7.6027% | 5,678 |
| Tier 1 risk-based capital ratio | 13.7514% | 3,633 |
| Total risk-based capital ratio | 13.8841% | 4,214 |
| Memoranda: | ||
| Average total assets | $7,365,705,500 | 165 |
| Average earning assets | $6,902,029,500 | 159 |
| Average equity | $849,252,500 | 166 |
| Average total loans | $492,733,000 | 1,034 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1897% | 5,827 |
| Cost of funding earning assets | 0.1228% | 5,599 |
| Net interest margin | 2.0670% | 5,793 |
| Noninterest income to average assets | 2.4268% | 258 |
| Noninterest expense to average assets | 2.1301% | 4,939 |
| Loan and lease loss provision to assets | 0.0152% | 4,068 |
| Net operating income to assets | 1.4328% | 953 |
| Return on assets (ROA) | 1.6796% | 603 |
| Pretax return on assets | 2.6253% | 169 |
| Return on Equity (ROE) | 13.6015% | 843 |
| Retained earnings to average equity (ytd only) | 13.6015% | 143 |
| Net charge-offs to loans | 0.0994% | 2,286 |
| Credit loss provision to net charge-offs | 183.7662% | 1,530 |
| Earnings coverage of net charge-offs (x) | 272.9545% | 264 |
| Efficiency ratio | 43.9516% | 5,695 |
| Assets per employee ($millions) | 202.1659% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,946 |
| Loan loss allowance to noncurrent loans | 290.5598% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,282 |
| Noncurrent loans to loans | 0.3652% | 3,815 |
| Net loans and leases to total assets | 6.9756% | 5,874 |
| Net loans and leases to deposits | 8.0402% | 5,875 |
| Net loans and leases to core deposits | 8.0408% | 5,865 |
| Total domestic deposits to total assets | 86.7595% | 2,258 |
| Equity capital to assets | 11.7728% | 1,954 |
| Core capital (leverage) ratio | 10.4274% | 2,950 |
| Tier 1 risk-based capital ratio | 16.5618% | 2,325 |
| Total risk-based capital ratio | 16.7136% | 2,696 |
| Memoranda: | ||
| Average total assets | $5,592,634,600 | 187 |
| Average earning assets | $5,298,089,200 | 181 |
| Average equity | $690,632,000 | 179 |
| Average total loans | $464,885,400 | 1,044 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2985% | 5,872 |
| Cost of funding earning assets | 0.1273% | 5,639 |
| Net interest margin | 2.1712% | 5,831 |
| Noninterest income to average assets | 2.4855% | 261 |
| Noninterest expense to average assets | 2.1113% | 4,989 |
| Loan and lease loss provision to assets | 0.0096% | 4,048 |
| Net operating income to assets | 1.5276% | 831 |
| Return on assets (ROA) | 1.5432% | 849 |
| Pretax return on assets | 2.4507% | 238 |
| Return on Equity (ROE) | 12.3023% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.3023% | 268 |
| Net charge-offs to loans | 0.1119% | 1,826 |
| Credit loss provision to net charge-offs | 98.4334% | 2,407 |
| Earnings coverage of net charge-offs (x) | 249.1037% | 321 |
| Efficiency ratio | 42.2184% | 5,780 |
| Assets per employee ($millions) | 171.8876% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 4,095 |
| Loan loss allowance to noncurrent loans | 285.1076% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,377 |
| Noncurrent loans to loans | 0.3702% | 3,939 |
| Net loans and leases to total assets | 8.0994% | 5,938 |
| Net loans and leases to deposits | 10.7797% | 5,936 |
| Net loans and leases to core deposits | 10.7808% | 5,928 |
| Total domestic deposits to total assets | 75.1351% | 5,325 |
| Equity capital to assets | 15.2180% | 687 |
| Core capital (leverage) ratio | 10.3256% | 3,196 |
| Tier 1 risk-based capital ratio | 16.9532% | 2,242 |
| Total risk-based capital ratio | 17.1057% | 2,622 |
| Memoranda: | ||
| Average total assets | $5,221,841,750 | 199 |
| Average earning assets | $4,958,677,500 | 188 |
| Average equity | $655,035,000 | 184 |
| Average total loans | $456,387,750 | 1,066 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3068% | 5,955 |
| Cost of funding earning assets | 0.1281% | 5,706 |
| Net interest margin | 2.1788% | 5,908 |
| Noninterest income to average assets | 2.3521% | 276 |
| Noninterest expense to average assets | 1.9575% | 5,357 |
| Loan and lease loss provision to assets | 0.0114% | 3,873 |
| Net operating income to assets | 1.5551% | 796 |
| Return on assets (ROA) | 1.5563% | 837 |
| Pretax return on assets | 2.4722% | 229 |
| Return on Equity (ROE) | 13.4775% | 931 |
| Retained earnings to average equity (ytd only) | 13.4775% | 216 |
| Net charge-offs to loans | 0.0917% | 1,925 |
| Credit loss provision to net charge-offs | 138.9423% | 1,690 |
| Earnings coverage of net charge-offs (x) | 302.5625% | 223 |
| Efficiency ratio | 40.8361% | 5,892 |
| Assets per employee ($millions) | 166.0132% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 4,060 |
| Loan loss allowance to noncurrent loans | 249.6496% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 5,433 |
| Noncurrent loans to loans | 0.4322% | 3,814 |
| Net loans and leases to total assets | 8.3469% | 6,014 |
| Net loans and leases to deposits | 10.9941% | 6,013 |
| Net loans and leases to core deposits | 10.9954% | 6,005 |
| Total domestic deposits to total assets | 75.9220% | 5,294 |
| Equity capital to assets | 15.3641% | 655 |
| Core capital (leverage) ratio | 10.2614% | 3,257 |
| Tier 1 risk-based capital ratio | 16.7652% | 2,327 |
| Total risk-based capital ratio | 16.9263% | 2,725 |
| Memoranda: | ||
| Average total assets | $5,071,692,330 | 201 |
| Average earning assets | $4,858,458,670 | 191 |
| Average equity | $585,644,000 | 194 |
| Average total loans | $453,743,670 | 1,072 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2854% | 6,022 |
| Cost of funding earning assets | 0.1289% | 5,761 |
| Net interest margin | 2.1565% | 5,977 |
| Noninterest income to average assets | 2.3405% | 273 |
| Noninterest expense to average assets | 1.9063% | 5,517 |
| Loan and lease loss provision to assets | 0.0046% | 3,616 |
| Net operating income to assets | 1.5973% | 705 |
| Return on assets (ROA) | 1.6044% | 738 |
| Pretax return on assets | 2.5481% | 220 |
| Return on Equity (ROE) | 17.0687% | 432 |
| Retained earnings to average equity (ytd only) | 17.0687% | 148 |
| Net charge-offs to loans | 0.1860% | 1,050 |
| Credit loss provision to net charge-offs | 26.7943% | 2,249 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 404 |
| Efficiency ratio | 41.3094% | 5,937 |
| Assets per employee ($millions) | 162.6355% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 4,327 |
| Loan loss allowance to noncurrent loans | 237.7500% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,470 |
| Noncurrent loans to loans | 0.4423% | 3,854 |
| Net loans and leases to total assets | 8.8736% | 6,074 |
| Net loans and leases to deposits | 10.7287% | 6,075 |
| Net loans and leases to core deposits | 10.7287% | 6,067 |
| Total domestic deposits to total assets | 82.7090% | 4,001 |
| Equity capital to assets | 9.5623% | 4,607 |
| Core capital (leverage) ratio | 8.4284% | 5,458 |
| Tier 1 risk-based capital ratio | 14.0827% | 3,634 |
| Total risk-based capital ratio | 14.2409% | 4,190 |
| Memoranda: | ||
| Average total assets | $4,868,321,000 | 207 |
| Average earning assets | $4,757,234,000 | 191 |
| Average equity | $457,610,000 | 236 |
| Average total loans | $449,481,000 | 1,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3065% | 6,050 |
| Cost of funding earning assets | 0.1038% | 5,948 |
| Net interest margin | 2.2026% | 5,985 |
| Noninterest income to average assets | 2.1552% | 314 |
| Noninterest expense to average assets | 1.7649% | 5,785 |
| Loan and lease loss provision to assets | 0.0443% | 3,441 |
| Net operating income to assets | 1.5863% | 730 |
| Return on assets (ROA) | 1.7807% | 512 |
| Pretax return on assets | 2.8249% | 135 |
| Return on Equity (ROE) | 18.1001% | 369 |
| Retained earnings to average equity (ytd only) | 18.1001% | 75 |
| Net charge-offs to loans | 0.2703% | 1,124 |
| Credit loss provision to net charge-offs | 168.1034% | 1,606 |
| Earnings coverage of net charge-offs (x) | 97.2941% | 587 |
| Efficiency ratio | 40.5150% | 6,056 |
| Assets per employee ($millions) | 146.7169% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 4,060 |
| Loan loss allowance to noncurrent loans | 445.7766% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,599 |
| Noncurrent loans to loans | 0.2464% | 4,551 |
| Net loans and leases to total assets | 9.4126% | 6,133 |
| Net loans and leases to deposits | 11.6653% | 6,134 |
| Net loans and leases to core deposits | 11.6660% | 6,124 |
| Total domestic deposits to total assets | 80.6889% | 4,572 |
| Equity capital to assets | 9.2252% | 4,872 |
| Core capital (leverage) ratio | 10.4643% | 2,966 |
| Tier 1 risk-based capital ratio | 18.2001% | 1,908 |
| Total risk-based capital ratio | 18.4167% | 2,182 |
| Memoranda: | ||
| Average total assets | $3,959,378,400 | 227 |
| Average earning assets | $3,909,974,000 | 211 |
| Average equity | $389,533,000 | 253 |
| Average total loans | $386,223,400 | 1,196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3840% | 6,126 |
| Cost of funding earning assets | 0.1071% | 6,033 |
| Net interest margin | 2.2768% | 6,045 |
| Noninterest income to average assets | 2.2862% | 296 |
| Noninterest expense to average assets | 1.8415% | 5,724 |
| Loan and lease loss provision to assets | 0.0367% | 3,481 |
| Net operating income to assets | 1.6771% | 655 |
| Return on assets (ROA) | 1.8834% | 457 |
| Pretax return on assets | 2.9841% | 121 |
| Return on Equity (ROE) | 18.7795% | 351 |
| Retained earnings to average equity (ytd only) | 18.7795% | 80 |
| Net charge-offs to loans | 0.3755% | 688 |
| Credit loss provision to net charge-offs | 99.3301% | 2,313 |
| Earnings coverage of net charge-offs (x) | 73.1215% | 795 |
| Efficiency ratio | 40.4848% | 6,120 |
| Assets per employee ($millions) | 41.9402% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 4,277 |
| Loan loss allowance to noncurrent loans | 392.0486% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,683 |
| Noncurrent loans to loans | 0.2785% | 4,581 |
| Net loans and leases to total assets | 9.5303% | 6,218 |
| Net loans and leases to deposits | 12.3596% | 6,219 |
| Net loans and leases to core deposits | 12.3602% | 6,209 |
| Total domestic deposits to total assets | 77.1081% | 5,325 |
| Equity capital to assets | 9.9703% | 4,187 |
| Core capital (leverage) ratio | 9.9678% | 3,682 |
| Tier 1 risk-based capital ratio | 15.9893% | 2,803 |
| Total risk-based capital ratio | 16.1647% | 3,286 |
| Memoranda: | ||
| Average total assets | $3,775,487,750 | 239 |
| Average earning assets | $3,737,225,000 | 221 |
| Average equity | $378,637,000 | 260 |
| Average total loans | $371,073,000 | 1,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3887% | 6,199 |
| Cost of funding earning assets | 0.1072% | 6,104 |
| Net interest margin | 2.2815% | 6,108 |
| Noninterest income to average assets | 2.3788% | 290 |
| Noninterest expense to average assets | 2.0005% | 5,529 |
| Loan and lease loss provision to assets | 0.0315% | 3,492 |
| Net operating income to assets | 1.6377% | 697 |
| Return on assets (ROA) | 1.7738% | 569 |
| Pretax return on assets | 2.8159% | 155 |
| Return on Equity (ROE) | 17.6504% | 437 |
| Retained earnings to average equity (ytd only) | 17.6504% | 113 |
| Net charge-offs to loans | 0.5698% | 427 |
| Credit loss provision to net charge-offs | 55.7895% | 2,642 |
| Earnings coverage of net charge-offs (x) | 46.7148% | 1,008 |
| Efficiency ratio | 43.1321% | 6,143 |
| Assets per employee ($millions) | 44.4550% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,588 |
| Loan loss allowance to noncurrent loans | 553.4815% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,826 |
| Noncurrent loans to loans | 0.1904% | 5,017 |
| Net loans and leases to total assets | 8.9677% | 6,293 |
| Net loans and leases to deposits | 11.7002% | 6,294 |
| Net loans and leases to core deposits | 11.7003% | 6,284 |
| Total domestic deposits to total assets | 76.6459% | 5,513 |
| Equity capital to assets | 9.6673% | 4,446 |
| Core capital (leverage) ratio | 9.5504% | 4,209 |
| Tier 1 risk-based capital ratio | 12.7027% | 4,679 |
| Total risk-based capital ratio | 12.8340% | 5,326 |
| Memoranda: | ||
| Average total assets | $3,705,877,670 | 244 |
| Average earning assets | $3,664,900,670 | 227 |
| Average equity | $372,433,670 | 264 |
| Average total loans | $366,794,670 | 1,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4381% | 6,245 |
| Cost of funding earning assets | 0.1077% | 6,175 |
| Net interest margin | 2.3304% | 6,142 |
| Noninterest income to average assets | 2.5173% | 271 |
| Noninterest expense to average assets | 2.0074% | 5,564 |
| Loan and lease loss provision to assets | 0.0545% | 2,845 |
| Net operating income to assets | 1.7466% | 534 |
| Return on assets (ROA) | 1.7620% | 547 |
| Pretax return on assets | 2.7854% | 166 |
| Return on Equity (ROE) | 17.1773% | 454 |
| Retained earnings to average equity (ytd only) | 17.1773% | 168 |
| Net charge-offs to loans | 0.1931% | 1,159 |
| Credit loss provision to net charge-offs | 272.7778% | 871 |
| Earnings coverage of net charge-offs (x) | 140.9056% | 375 |
| Efficiency ratio | 41.6191% | 6,237 |
| Assets per employee ($millions) | 37.3428% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 3,997 |
| Loan loss allowance to noncurrent loans | 1,262.7451% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,917 |
| Noncurrent loans to loans | 0.0948% | 5,413 |
| Net loans and leases to total assets | 9.8616% | 6,364 |
| Net loans and leases to deposits | 12.7974% | 6,364 |
| Net loans and leases to core deposits | 12.7974% | 6,354 |
| Total domestic deposits to total assets | 77.0595% | 5,601 |
| Equity capital to assets | 10.1699% | 3,920 |
| Core capital (leverage) ratio | 9.5270% | 4,231 |
| Tier 1 risk-based capital ratio | 12.7031% | 4,786 |
| Total risk-based capital ratio | 12.8688% | 5,400 |
| Memoranda: | ||
| Average total assets | $3,602,795,500 | 245 |
| Average earning assets | $3,565,240,500 | 230 |
| Average equity | $369,556,500 | 265 |
| Average total loans | $372,914,000 | 1,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6144% | 6,297 |
| Cost of funding earning assets | 0.1262% | 6,219 |
| Net interest margin | 2.4882% | 6,169 |
| Noninterest income to average assets | 2.2693% | 274 |
| Noninterest expense to average assets | 1.7509% | 6,113 |
| Loan and lease loss provision to assets | 0.0311% | 3,979 |
| Net operating income to assets | 1.8586% | 421 |
| Return on assets (ROA) | 2.0335% | 315 |
| Pretax return on assets | 3.2263% | 95 |
| Return on Equity (ROE) | 20.0191% | 251 |
| Retained earnings to average equity (ytd only) | 20.0191% | 68 |
| Net charge-offs to loans | 0.0588% | 3,665 |
| Credit loss provision to net charge-offs | 496.4824% | 529 |
| Earnings coverage of net charge-offs (x) | 475.8342% | 107 |
| Efficiency ratio | 36.9781% | 6,432 |
| Assets per employee ($millions) | 35.4017% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 4,358 |
| Loan loss allowance to noncurrent loans | 1,051.8797% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 6,019 |
| Noncurrent loans to loans | 0.1080% | 5,466 |
| Net loans and leases to total assets | 10.6343% | 6,453 |
| Net loans and leases to deposits | 14.2173% | 6,445 |
| Net loans and leases to core deposits | 14.2173% | 6,437 |
| Total domestic deposits to total assets | 74.7985% | 5,875 |
| Equity capital to assets | 10.3536% | 3,662 |
| Core capital (leverage) ratio | 10.0364% | 3,525 |
| Tier 1 risk-based capital ratio | 13.3448% | 4,515 |
| Total risk-based capital ratio | 13.5147% | 5,097 |
| Memoranda: | ||
| Average total assets | $3,173,279,000 | 260 |
| Average earning assets | $3,144,484,400 | 239 |
| Average equity | $322,342,400 | 281 |
| Average total loans | $338,330,600 | 1,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6206% | 6,370 |
| Cost of funding earning assets | 0.1324% | 6,278 |
| Net interest margin | 2.4882% | 6,237 |
| Noninterest income to average assets | 2.3454% | 265 |
| Noninterest expense to average assets | 1.7571% | 6,148 |
| Loan and lease loss provision to assets | 0.0333% | 3,741 |
| Net operating income to assets | 1.8853% | 432 |
| Return on assets (ROA) | 2.0775% | 307 |
| Pretax return on assets | 3.3204% | 96 |
| Return on Equity (ROE) | 20.5614% | 247 |
| Retained earnings to average equity (ytd only) | 20.5614% | 64 |
| Net charge-offs to loans | 0.0815% | 3,033 |
| Credit loss provision to net charge-offs | 384.1584% | 736 |
| Earnings coverage of net charge-offs (x) | 352.3619% | 201 |
| Efficiency ratio | 36.5264% | 6,503 |
| Assets per employee ($millions) | 35.0811% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,717 |
| Loan loss allowance to noncurrent loans | 1,372.7586% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,157 |
| Noncurrent loans to loans | 0.0806% | 5,703 |
| Net loans and leases to total assets | 10.7949% | 6,530 |
| Net loans and leases to deposits | 14.2086% | 6,524 |
| Net loans and leases to core deposits | 14.2086% | 6,517 |
| Total domestic deposits to total assets | 75.9739% | 5,816 |
| Equity capital to assets | 10.2409% | 3,871 |
| Core capital (leverage) ratio | 9.7737% | 3,962 |
| Tier 1 risk-based capital ratio | 13.0654% | 4,825 |
| Total risk-based capital ratio | 13.2313% | 5,417 |
| Memoranda: | ||
| Average total assets | $3,108,106,750 | 259 |
| Average earning assets | $3,079,180,000 | 241 |
| Average equity | $314,042,750 | 282 |
| Average total loans | $330,569,000 | 1,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6531% | 6,421 |
| Cost of funding earning assets | 0.1433% | 6,304 |
| Net interest margin | 2.5098% | 6,263 |
| Noninterest income to average assets | 2.4614% | 245 |
| Noninterest expense to average assets | 1.8294% | 6,103 |
| Loan and lease loss provision to assets | 0.0485% | 3,337 |
| Net operating income to assets | 1.9050% | 407 |
| Return on assets (ROA) | 2.0637% | 307 |
| Pretax return on assets | 3.3167% | 94 |
| Return on Equity (ROE) | 20.5249% | 264 |
| Retained earnings to average equity (ytd only) | 20.5249% | 79 |
| Net charge-offs to loans | 0.1272% | 2,395 |
| Credit loss provision to net charge-offs | 361.7647% | 747 |
| Earnings coverage of net charge-offs (x) | 232.6373% | 293 |
| Efficiency ratio | 36.9831% | 6,563 |
| Assets per employee ($millions) | 33.3590% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 4,571 |
| Loan loss allowance to noncurrent loans | 547.3611% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,152 |
| Noncurrent loans to loans | 0.2135% | 5,374 |
| Net loans and leases to total assets | 10.6294% | 6,599 |
| Net loans and leases to deposits | 13.6158% | 6,593 |
| Net loans and leases to core deposits | 13.6158% | 6,587 |
| Total domestic deposits to total assets | 78.0665% | 5,622 |
| Equity capital to assets | 10.6093% | 3,302 |
| Core capital (leverage) ratio | 9.3809% | 4,491 |
| Tier 1 risk-based capital ratio | 12.5435% | 5,202 |
| Total risk-based capital ratio | 12.7103% | 5,777 |
| Memoranda: | ||
| Average total assets | $3,044,934,000 | 260 |
| Average earning assets | $3,015,113,670 | 241 |
| Average equity | $306,154,670 | 287 |
| Average total loans | $320,773,670 | 1,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6323% | 6,502 |
| Cost of funding earning assets | 0.1705% | 6,227 |
| Net interest margin | 2.4618% | 6,362 |
| Noninterest income to average assets | 2.4864% | 240 |
| Noninterest expense to average assets | 1.9079% | 6,053 |
| Loan and lease loss provision to assets | 0.0717% | 2,706 |
| Net operating income to assets | 1.8419% | 446 |
| Return on assets (ROA) | 2.0661% | 308 |
| Pretax return on assets | 3.2941% | 118 |
| Return on Equity (ROE) | 21.1587% | 236 |
| Retained earnings to average equity (ytd only) | 21.1587% | 100 |
| Net charge-offs to loans | 0.0461% | 2,742 |
| Credit loss provision to net charge-offs | 1,494.4444% | 233 |
| Earnings coverage of net charge-offs (x) | 628.1389% | 51 |
| Efficiency ratio | 38.7514% | 6,611 |
| Assets per employee ($millions) | 32.3433% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 4,476 |
| Loan loss allowance to noncurrent loans | 647.3510% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 6,251 |
| Noncurrent loans to loans | 0.1903% | 5,523 |
| Net loans and leases to total assets | 10.2051% | 6,671 |
| Net loans and leases to deposits | 12.9709% | 6,667 |
| Net loans and leases to core deposits | 12.9709% | 6,660 |
| Total domestic deposits to total assets | 78.6771% | 5,730 |
| Equity capital to assets | 9.9044% | 3,956 |
| Core capital (leverage) ratio | 9.1328% | 4,821 |
| Tier 1 risk-based capital ratio | 12.0202% | 5,633 |
| Total risk-based capital ratio | 12.1879% | 6,133 |
| Memoranda: | ||
| Average total assets | $2,999,527,500 | 261 |
| Average earning assets | $2,969,399,500 | 244 |
| Average equity | $292,892,000 | 291 |
| Average total loans | $312,534,500 | 1,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8276% | 6,482 |
| Cost of funding earning assets | 0.1902% | 6,335 |
| Net interest margin | 2.6374% | 6,216 |
| Noninterest income to average assets | 2.4319% | 293 |
| Noninterest expense to average assets | 1.4169% | 6,622 |
| Loan and lease loss provision to assets | 0.0350% | 4,422 |
| Net operating income to assets | 2.2487% | 227 |
| Return on assets (ROA) | 2.3868% | 198 |
| Pretax return on assets | 3.8072% | 76 |
| Return on Equity (ROE) | 20.7555% | 250 |
| Retained earnings to average equity (ytd only) | 4.5635% | 2,914 |
| Net charge-offs to loans | -0.0004% | 5,818 |
| Credit loss provision to net charge-offs | -93,900.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0947% | 6,773 |
| Assets per employee ($millions) | 31.1323% | 33 |
| Cash dividends to net income (ytd only)* | 78.0129% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,111 |
| Loan loss allowance to noncurrent loans | 2,620.7692% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,429 |
| Noncurrent loans to loans | 0.0423% | 6,112 |
| Net loans and leases to total assets | 10.3945% | 6,745 |
| Net loans and leases to deposits | 14.0286% | 6,744 |
| Net loans and leases to core deposits | 14.0286% | 6,739 |
| Total domestic deposits to total assets | 74.0952% | 6,276 |
| Equity capital to assets | 9.6179% | 4,262 |
| Core capital (leverage) ratio | 9.2924% | 4,568 |
| Tier 1 risk-based capital ratio | 12.3199% | 5,417 |
| Total risk-based capital ratio | 12.4784% | 6,007 |
| Memoranda: | ||
| Average total assets | $2,685,274,200 | 281 |
| Average earning assets | $2,658,720,200 | 258 |
| Average equity | $308,796,000 | 269 |
| Average total loans | $282,474,600 | 1,497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8678% | 6,516 |
| Cost of funding earning assets | 0.1965% | 6,412 |
| Net interest margin | 2.6714% | 6,222 |
| Noninterest income to average assets | 2.5043% | 293 |
| Noninterest expense to average assets | 1.4035% | 6,690 |
| Loan and lease loss provision to assets | 0.0451% | 4,113 |
| Net operating income to assets | 2.3460% | 204 |
| Return on assets (ROA) | 2.4796% | 183 |
| Pretax return on assets | 3.9102% | 80 |
| Return on Equity (ROE) | 20.6224% | 266 |
| Retained earnings to average equity (ytd only) | 20.6224% | 73 |
| Net charge-offs to loans | -0.0005% | 5,647 |
| Credit loss provision to net charge-offs | -88,800.0000% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2526% | 6,850 |
| Assets per employee ($millions) | 31.0691% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 5,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 11.2149% | 6,829 |
| Net loans and leases to deposits | 14.8012% | 6,821 |
| Net loans and leases to core deposits | 14.8012% | 6,815 |
| Total domestic deposits to total assets | 75.7700% | 6,197 |
| Equity capital to assets | 11.7093% | 2,118 |
| Core capital (leverage) ratio | 10.9290% | 2,551 |
| Tier 1 risk-based capital ratio | 14.2624% | 4,245 |
| Total risk-based capital ratio | 14.4223% | 4,948 |
| Memoranda: | ||
| Average total assets | $2,624,983,250 | 284 |
| Average earning assets | $2,599,701,500 | 262 |
| Average equity | $315,629,750 | 263 |
| Average total loans | $276,194,500 | 1,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8664% | 6,560 |
| Cost of funding earning assets | 0.2075% | 6,437 |
| Net interest margin | 2.6589% | 6,244 |
| Noninterest income to average assets | 2.5885% | 304 |
| Noninterest expense to average assets | 1.4365% | 6,716 |
| Loan and lease loss provision to assets | 0.0614% | 3,783 |
| Net operating income to assets | 2.3599% | 201 |
| Return on assets (ROA) | 2.4281% | 201 |
| Pretax return on assets | 3.8296% | 93 |
| Return on Equity (ROE) | 20.0062% | 299 |
| Retained earnings to average equity (ytd only) | 20.0062% | 88 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.5142% | 6,893 |
| Assets per employee ($millions) | 30.8200% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,529 |
| Loan loss allowance to noncurrent loans | 878.7062% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 6,509 |
| Noncurrent loans to loans | 0.1226% | 6,018 |
| Net loans and leases to total assets | 11.1617% | 6,874 |
| Net loans and leases to deposits | 14.6470% | 6,870 |
| Net loans and leases to core deposits | 14.6470% | 6,867 |
| Total domestic deposits to total assets | 76.2045% | 6,231 |
| Equity capital to assets | 11.4312% | 2,354 |
| Core capital (leverage) ratio | 10.4655% | 2,928 |
| Tier 1 risk-based capital ratio | 13.7597% | 4,596 |
| Total risk-based capital ratio | 13.9189% | 5,321 |
| Memoranda: | ||
| Average total assets | $2,578,260,670 | 291 |
| Average earning assets | $2,552,791,670 | 266 |
| Average equity | $312,913,330 | 264 |
| Average total loans | $263,771,000 | 1,583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8714% | 6,633 |
| Cost of funding earning assets | 0.2418% | 6,338 |
| Net interest margin | 2.6296% | 6,333 |
| Noninterest income to average assets | 2.6365% | 295 |
| Noninterest expense to average assets | 1.4970% | 6,745 |
| Loan and lease loss provision to assets | 0.0446% | 3,861 |
| Net operating income to assets | 2.3741% | 182 |
| Return on assets (ROA) | 2.4875% | 172 |
| Pretax return on assets | 3.8738% | 88 |
| Return on Equity (ROE) | 19.8826% | 306 |
| Retained earnings to average equity (ytd only) | 19.8826% | 148 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5775% | 6,967 |
| Assets per employee ($millions) | 32.2295% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,597 |
| Loan loss allowance to noncurrent loans | 4,044.1176% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,644 |
| Noncurrent loans to loans | 0.0273% | 6,411 |
| Net loans and leases to total assets | 9.2152% | 6,958 |
| Net loans and leases to deposits | 12.4416% | 6,954 |
| Net loans and leases to core deposits | 12.4416% | 6,949 |
| Total domestic deposits to total assets | 74.0678% | 6,531 |
| Equity capital to assets | 12.0183% | 2,025 |
| Core capital (leverage) ratio | 10.6552% | 2,592 |
| Tier 1 risk-based capital ratio | 14.5104% | 4,169 |
| Total risk-based capital ratio | 14.6603% | 4,885 |
| Memoranda: | ||
| Average total assets | $2,526,721,000 | 298 |
| Average earning assets | $2,499,959,500 | 274 |
| Average equity | $316,116,000 | 268 |
| Average total loans | $244,385,000 | 1,699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 6,633 |
| Cost of funding earning assets | 0.3195% | 6,357 |
| Net interest margin | 2.9295% | 6,176 |
| Noninterest income to average assets | 2.5497% | 310 |
| Noninterest expense to average assets | 1.6732% | 6,747 |
| Loan and lease loss provision to assets | 0.0658% | 4,934 |
| Net operating income to assets | 2.3809% | 184 |
| Return on assets (ROA) | 2.4719% | 171 |
| Pretax return on assets | 3.8522% | 83 |
| Return on Equity (ROE) | 19.4780% | 326 |
| Retained earnings to average equity (ytd only) | 19.4780% | 65 |
| Net charge-offs to loans | 0.0062% | 5,875 |
| Credit loss provision to net charge-offs | 14,360.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 8,234.8000% | 2 |
| Efficiency ratio | 30.7051% | 7,019 |
| Assets per employee ($millions) | 28.6554% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 9.9664% | 7,014 |
| Net loans and leases to deposits | 13.7872% | 7,006 |
| Net loans and leases to core deposits | 13.7872% | 6,999 |
| Total domestic deposits to total assets | 72.2873% | 6,676 |
| Equity capital to assets | 13.0649% | 1,410 |
| Core capital (leverage) ratio | 10.9455% | 2,302 |
| Tier 1 risk-based capital ratio | 15.4810% | 3,434 |
| Total risk-based capital ratio | 15.6336% | 4,063 |
| Memoranda: | ||
| Average total assets | $2,180,853,800 | 327 |
| Average earning assets | $2,158,429,000 | 301 |
| Average equity | $276,764,200 | 291 |
| Average total loans | $161,076,600 | 2,410 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 6,726 |
| Cost of funding earning assets | 0.3321% | 6,453 |
| Net interest margin | 2.9691% | 6,233 |
| Noninterest income to average assets | 2.6206% | 300 |
| Noninterest expense to average assets | 1.7162% | 6,776 |
| Loan and lease loss provision to assets | 0.0485% | 5,165 |
| Net operating income to assets | 2.3811% | 216 |
| Return on assets (ROA) | 2.4977% | 183 |
| Pretax return on assets | 3.9769% | 80 |
| Return on Equity (ROE) | 19.8451% | 337 |
| Retained earnings to average equity (ytd only) | 19.8451% | 88 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.8707% | 7,116 |
| Assets per employee ($millions) | 26.7397% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 7.7784% | 7,124 |
| Net loans and leases to deposits | 10.7075% | 7,126 |
| Net loans and leases to core deposits | 10.7075% | 7,121 |
| Total domestic deposits to total assets | 72.6446% | 6,705 |
| Equity capital to assets | 13.0781% | 1,558 |
| Core capital (leverage) ratio | 10.7798% | 2,631 |
| Tier 1 risk-based capital ratio | 16.1313% | 3,205 |
| Total risk-based capital ratio | 16.2554% | 3,798 |
| Memoranda: | ||
| Average total assets | $2,131,468,500 | 338 |
| Average earning assets | $2,109,703,750 | 304 |
| Average equity | $268,271,250 | 299 |
| Average total loans | $141,468,500 | 2,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 6,770 |
| Cost of funding earning assets | 0.3555% | 6,486 |
| Net interest margin | 3.0006% | 6,242 |
| Noninterest income to average assets | 2.7534% | 269 |
| Noninterest expense to average assets | 1.7896% | 6,763 |
| Loan and lease loss provision to assets | 0.0520% | 5,014 |
| Net operating income to assets | 2.4380% | 193 |
| Return on assets (ROA) | 2.5964% | 168 |
| Pretax return on assets | 4.1271% | 77 |
| Return on Equity (ROE) | 20.9309% | 293 |
| Retained earnings to average equity (ytd only) | 20.9309% | 87 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2801% | 7,169 |
| Assets per employee ($millions) | 25.7514% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 6,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 6.9723% | 7,192 |
| Net loans and leases to deposits | 9.4992% | 7,194 |
| Net loans and leases to core deposits | 9.4992% | 7,188 |
| Total domestic deposits to total assets | 73.3991% | 6,720 |
| Equity capital to assets | 12.4418% | 1,850 |
| Core capital (leverage) ratio | 10.4881% | 2,814 |
| Tier 1 risk-based capital ratio | 15.4505% | 3,476 |
| Total risk-based capital ratio | 15.5600% | 4,195 |
| Memoranda: | ||
| Average total assets | $2,075,419,330 | 345 |
| Average earning assets | $2,052,820,670 | 310 |
| Average equity | $257,446,670 | 305 |
| Average total loans | $128,394,330 | 2,955 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4093% | 6,797 |
| Cost of funding earning assets | 0.3725% | 6,541 |
| Net interest margin | 3.0369% | 6,218 |
| Noninterest income to average assets | 2.9049% | 255 |
| Noninterest expense to average assets | 2.0462% | 6,382 |
| Loan and lease loss provision to assets | 0.0483% | 4,802 |
| Net operating income to assets | 2.4030% | 204 |
| Return on assets (ROA) | 2.4628% | 232 |
| Pretax return on assets | 3.9054% | 95 |
| Return on Equity (ROE) | 19.8872% | 397 |
| Retained earnings to average equity (ytd only) | 19.8872% | 194 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6445% | 7,199 |
| Assets per employee ($millions) | 26.2532% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 6,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 5.8944% | 7,257 |
| Net loans and leases to deposits | 7.8920% | 7,260 |
| Net loans and leases to core deposits | 7.8920% | 7,252 |
| Total domestic deposits to total assets | 74.6879% | 6,682 |
| Equity capital to assets | 12.1384% | 1,948 |
| Core capital (leverage) ratio | 10.1360% | 3,193 |
| Tier 1 risk-based capital ratio | 15.2999% | 3,558 |
| Total risk-based capital ratio | 15.3941% | 4,327 |
| Memoranda: | ||
| Average total assets | $2,005,818,000 | 356 |
| Average earning assets | $1,982,443,500 | 315 |
| Average equity | $248,400,500 | 310 |
| Average total loans | $114,595,000 | 3,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 6,941 |
| Cost of funding earning assets | 0.5201% | 6,454 |
| Net interest margin | 3.0636% | 6,420 |
| Noninterest income to average assets | 2.6571% | 247 |
| Noninterest expense to average assets | 1.8480% | 6,902 |
| Loan and lease loss provision to assets | 0.0422% | 6,046 |
| Net operating income to assets | 2.4100% | 157 |
| Return on assets (ROA) | 2.4197% | 159 |
| Pretax return on assets | 3.8053% | 82 |
| Return on Equity (ROE) | 19.5082% | 286 |
| Retained earnings to average equity (ytd only) | 19.5082% | 55 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5328% | 7,281 |
| Assets per employee ($millions) | 23.5641% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 5.3853% | 7,305 |
| Net loans and leases to deposits | 7.2778% | 7,309 |
| Net loans and leases to core deposits | 7.2778% | 7,300 |
| Total domestic deposits to total assets | 73.9959% | 6,718 |
| Equity capital to assets | 12.6611% | 1,687 |
| Core capital (leverage) ratio | 10.0963% | 3,228 |
| Tier 1 risk-based capital ratio | 15.7001% | 3,214 |
| Total risk-based capital ratio | 15.7836% | 3,924 |
| Memoranda: | ||
| Average total assets | $1,712,382,600 | 395 |
| Average earning assets | $1,689,783,600 | 355 |
| Average equity | $212,398,000 | 331 |
| Average total loans | $51,522,400 | 5,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 7,048 |
| Cost of funding earning assets | 0.5743% | 6,411 |
| Net interest margin | 3.0011% | 6,579 |
| Noninterest income to average assets | 2.7251% | 244 |
| Noninterest expense to average assets | 1.7993% | 7,000 |
| Loan and lease loss provision to assets | 0.0285% | 6,080 |
| Net operating income to assets | 2.3984% | 181 |
| Return on assets (ROA) | 2.4059% | 186 |
| Pretax return on assets | 3.8703% | 90 |
| Return on Equity (ROE) | 19.5109% | 343 |
| Retained earnings to average equity (ytd only) | 19.5109% | 84 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6421% | 7,354 |
| Assets per employee ($millions) | 22.0621% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 3.5963% | 7,385 |
| Net loans and leases to deposits | 4.9192% | 7,390 |
| Net loans and leases to core deposits | 4.9192% | 7,377 |
| Total domestic deposits to total assets | 73.1076% | 6,845 |
| Equity capital to assets | 12.4657% | 1,935 |
| Core capital (leverage) ratio | 8.7022% | 5,406 |
| Tier 1 risk-based capital ratio | 16.0546% | 3,089 |
| Total risk-based capital ratio | 16.1134% | 3,717 |
| Memoranda: | ||
| Average total assets | $1,669,197,000 | 400 |
| Average earning assets | $1,647,110,750 | 366 |
| Average equity | $205,828,250 | 347 |
| Average total loans | $38,762,750 | 5,803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 7,126 |
| Cost of funding earning assets | 0.6136% | 6,389 |
| Net interest margin | 2.9474% | 6,699 |
| Noninterest income to average assets | 2.7818% | 239 |
| Noninterest expense to average assets | 1.8005% | 7,086 |
| Loan and lease loss provision to assets | 0.0062% | 6,179 |
| Net operating income to assets | 2.4077% | 185 |
| Return on assets (ROA) | 2.4116% | 191 |
| Pretax return on assets | 3.8872% | 98 |
| Return on Equity (ROE) | 19.6371% | 336 |
| Retained earnings to average equity (ytd only) | 19.6371% | 99 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6559% | 7,426 |
| Assets per employee ($millions) | 22.6416% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,066 |
| Loan loss allowance to noncurrent loans | 1,423.0769% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,143 |
| Noncurrent loans to loans | 0.0751% | 6,791 |
| Net loans and leases to total assets | 1.9906% | 7,463 |
| Net loans and leases to deposits | 2.6474% | 7,467 |
| Net loans and leases to core deposits | 2.6474% | 7,455 |
| Total domestic deposits to total assets | 75.1911% | 6,700 |
| Equity capital to assets | 12.4487% | 1,814 |
| Core capital (leverage) ratio | 10.3554% | 2,875 |
| Tier 1 risk-based capital ratio | 15.8983% | 3,031 |
| Total risk-based capital ratio | 15.9321% | 3,652 |
| Memoranda: | ||
| Average total assets | $1,622,564,000 | 415 |
| Average earning assets | $1,599,709,000 | 377 |
| Average equity | $199,265,330 | 358 |
| Average total loans | $29,771,330 | 6,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 7,248 |
| Cost of funding earning assets | 0.7251% | 6,003 |
| Net interest margin | 2.7070% | 7,009 |
| Noninterest income to average assets | 2.8902% | 232 |
| Noninterest expense to average assets | 1.8799% | 7,024 |
| Loan and lease loss provision to assets | -0.0003% | 7,433 |
| Net operating income to assets | 2.2725% | 238 |
| Return on assets (ROA) | 2.2790% | 249 |
| Pretax return on assets | 3.6856% | 113 |
| Return on Equity (ROE) | 18.6973% | 421 |
| Retained earnings to average equity (ytd only) | 18.6973% | 211 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8413% | 7,469 |
| Assets per employee ($millions) | 20.8369% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,843 |
| Loan loss allowance to noncurrent loans | 725.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,203 |
| Noncurrent loans to loans | 0.1588% | 6,659 |
| Net loans and leases to total assets | 1.6636% | 7,525 |
| Net loans and leases to deposits | 2.1864% | 7,528 |
| Net loans and leases to core deposits | 2.1864% | 7,514 |
| Total domestic deposits to total assets | 76.0855% | 6,660 |
| Equity capital to assets | 11.8827% | 1,991 |
| Core capital (leverage) ratio | 10.4118% | 2,690 |
| Tier 1 risk-based capital ratio | 15.0931% | 3,381 |
| Total risk-based capital ratio | 15.1226% | 4,133 |
| Memoranda: | ||
| Average total assets | $1,573,467,000 | 437 |
| Average earning assets | $1,549,025,500 | 393 |
| Average equity | $191,792,000 | 369 |
| Average total loans | $27,345,000 | 6,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 7,355 |
| Cost of funding earning assets | 0.7993% | 6,575 |
| Net interest margin | 2.7886% | 7,043 |
| Noninterest income to average assets | 5.3773% | 130 |
| Noninterest expense to average assets | 3.6191% | 1,881 |
| Loan and lease loss provision to assets | 0.0174% | 6,936 |
| Net operating income to assets | 2.7652% | 85 |
| Return on assets (ROA) | 2.8145% | 83 |
| Pretax return on assets | 4.5577% | 57 |
| Return on Equity (ROE) | 23.0799% | 138 |
| Retained earnings to average equity (ytd only) | 23.0799% | 31 |
| Net charge-offs to loans | -0.0730% | 7,480 |
| Credit loss provision to net charge-offs | -6,025.0000% | 7,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5861% | 7,397 |
| Assets per employee ($millions) | 18.9977% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,584 |
| Loan loss allowance to noncurrent loans | 615.3846% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,266 |
| Noncurrent loans to loans | 0.1927% | 6,684 |
| Net loans and leases to total assets | 1.7768% | 7,608 |
| Net loans and leases to deposits | 2.4572% | 7,609 |
| Net loans and leases to core deposits | 2.4572% | 7,592 |
| Total domestic deposits to total assets | 72.3117% | 7,057 |
| Equity capital to assets | 12.5252% | 1,618 |
| Core capital (leverage) ratio | 10.7373% | 2,356 |
| Tier 1 risk-based capital ratio | 16.0660% | 2,720 |
| Total risk-based capital ratio | 16.0993% | 3,299 |
| Memoranda: | ||
| Average total assets | $1,387,511,400 | 490 |
| Average earning assets | $1,363,293,400 | 450 |
| Average equity | $169,199,200 | 409 |
| Average total loans | $5,480,200 | 7,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 7,475 |
| Cost of funding earning assets | 0.7897% | 6,791 |
| Net interest margin | 2.8593% | 7,065 |
| Noninterest income to average assets | 4.8048% | 141 |
| Noninterest expense to average assets | 3.1036% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.8224% | 97 |
| Return on assets (ROA) | 2.8896% | 93 |
| Pretax return on assets | 4.6175% | 61 |
| Return on Equity (ROE) | 23.8748% | 142 |
| Retained earnings to average equity (ytd only) | 23.8748% | 38 |
| Net charge-offs to loans | 33.4976% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1,769.0548% | 14 |
| Efficiency ratio | 40.7509% | 7,563 |
| Assets per employee ($millions) | 15.4019% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 43.7500% | 3 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,372 |
| Noncurrent loans to loans | 43.7500% | 4 |
| Net loans and leases to total assets | 0.0044% | 7,718 |
| Net loans and leases to deposits | 0.0061% | 7,719 |
| Net loans and leases to core deposits | 0.0061% | 7,700 |
| Total domestic deposits to total assets | 72.6734% | 7,067 |
| Equity capital to assets | 13.3566% | 1,416 |
| Core capital (leverage) ratio | 10.0976% | 3,151 |
| Tier 1 risk-based capital ratio | 16.5245% | 2,548 |
| Total risk-based capital ratio | 16.5301% | 3,075 |
| Memoranda: | ||
| Average total assets | $1,359,184,250 | 490 |
| Average earning assets | $1,336,385,750 | 455 |
| Average equity | $164,503,750 | 412 |
| Average total loans | $103,500 | 7,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 7,551 |
| Cost of funding earning assets | 0.7713% | 7,002 |
| Net interest margin | 2.8861% | 7,025 |
| Noninterest income to average assets | 4.9563% | 141 |
| Noninterest expense to average assets | 3.0360% | 3,569 |
| Loan and lease loss provision to assets | 0.0048% | 6,831 |
| Net operating income to assets | 2.9742% | 84 |
| Return on assets (ROA) | 3.0615% | 80 |
| Pretax return on assets | 4.8859% | 51 |
| Return on Equity (ROE) | 26.2680% | 102 |
| Retained earnings to average equity (ytd only) | 26.2680% | 40 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9714% | 7,657 |
| Assets per employee ($millions) | 16.3786% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 74.8252% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 7,401 |
| Noncurrent loans to loans | 74.8252% | 2 |
| Net loans and leases to total assets | 0.0025% | 7,787 |
| Net loans and leases to deposits | 0.0036% | 7,787 |
| Net loans and leases to core deposits | 0.0036% | 7,769 |
| Total domestic deposits to total assets | 69.3764% | 7,367 |
| Equity capital to assets | 11.9320% | 2,138 |
| Core capital (leverage) ratio | 9.9653% | 3,205 |
| Tier 1 risk-based capital ratio | 17.3484% | 2,154 |
| Total risk-based capital ratio | 17.3621% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,334,788,000 | 497 |
| Average earning assets | $1,310,696,000 | 460 |
| Average equity | $155,566,000 | 435 |
| Average total loans | $100,670 | 7,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 7,643 |
| Cost of funding earning assets | 0.7578% | 7,213 |
| Net interest margin | 2.9281% | 6,970 |
| Noninterest income to average assets | 5.5331% | 132 |
| Noninterest expense to average assets | 3.1996% | 2,867 |
| Loan and lease loss provision to assets | 0.0028% | 6,546 |
| Net operating income to assets | 3.2395% | 78 |
| Return on assets (ROA) | 3.3211% | 73 |
| Pretax return on assets | 5.3284% | 52 |
| Return on Equity (ROE) | 28.8817% | 102 |
| Retained earnings to average equity (ytd only) | 28.8817% | 75 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0753% | 7,769 |
| Assets per employee ($millions) | 15.0378% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,483 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 70.8900% | 7,350 |
| Equity capital to assets | 11.3610% | 2,454 |
| Core capital (leverage) ratio | 10.2173% | 2,912 |
| Tier 1 risk-based capital ratio | 17.4350% | 2,099 |
| Total risk-based capital ratio | 17.4467% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,281,521,500 | 538 |
| Average earning assets | $1,256,248,500 | 491 |
| Average equity | $147,359,500 | 467 |
| Average total loans | $79,500 | 7,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 7,609 |
| Cost of funding earning assets | 0.9982% | 7,209 |
| Net interest margin | 3.1947% | 6,117 |
| Noninterest income to average assets | 6.0552% | 120 |
| Noninterest expense to average assets | 4.2069% | 1,093 |
| Loan and lease loss provision to assets | -0.0050% | 7,956 |
| Net operating income to assets | 3.0463% | 54 |
| Return on assets (ROA) | 3.0434% | 59 |
| Pretax return on assets | 4.8816% | 43 |
| Return on Equity (ROE) | 31.8151% | 39 |
| Retained earnings to average equity (ytd only) | 31.8151% | 15 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2900% | 7,699 |
| Assets per employee ($millions) | 13.5751% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 7,521 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 71.5669% | 7,282 |
| Equity capital to assets | 11.6566% | 2,213 |
| Core capital (leverage) ratio | 10.2061% | 2,878 |
| Tier 1 risk-based capital ratio | 14.0564% | 3,465 |
| Total risk-based capital ratio | 14.0655% | 4,222 |
| Memoranda: | ||
| Average total assets | $1,094,710,600 | 611 |
| Average earning assets | $1,039,262,000 | 582 |
| Average equity | $104,717,600 | 622 |
| Average total loans | $108,600 | 7,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 7,669 |
| Cost of funding earning assets | 1.0607% | 7,265 |
| Net interest margin | 3.2494% | 5,838 |
| Noninterest income to average assets | 5.4518% | 132 |
| Noninterest expense to average assets | 3.6455% | 1,934 |
| Loan and lease loss provision to assets | -0.0069% | 8,039 |
| Net operating income to assets | 3.0798% | 60 |
| Return on assets (ROA) | 3.0860% | 66 |
| Pretax return on assets | 4.8847% | 39 |
| Return on Equity (ROE) | 34.3579% | 39 |
| Retained earnings to average equity (ytd only) | 34.3579% | 16 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8199% | 7,869 |
| Assets per employee ($millions) | 13.4031% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,587 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 70.1290% | 7,405 |
| Equity capital to assets | 11.2813% | 2,763 |
| Core capital (leverage) ratio | 9.9715% | 3,318 |
| Tier 1 risk-based capital ratio | 13.5831% | 3,788 |
| Total risk-based capital ratio | 13.5926% | 4,614 |
| Memoranda: | ||
| Average total assets | $1,069,736,750 | 639 |
| Average earning assets | $1,007,984,000 | 609 |
| Average equity | $96,084,250 | 687 |
| Average total loans | $117,000 | 8,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 7,668 |
| Cost of funding earning assets | 1.1219% | 7,321 |
| Net interest margin | 3.3310% | 5,434 |
| Noninterest income to average assets | 5.9810% | 119 |
| Noninterest expense to average assets | 3.9436% | 1,408 |
| Loan and lease loss provision to assets | -0.0010% | 8,132 |
| Net operating income to assets | 3.2332% | 50 |
| Return on assets (ROA) | 3.2601% | 54 |
| Pretax return on assets | 5.1616% | 38 |
| Return on Equity (ROE) | 40.1457% | 29 |
| Retained earnings to average equity (ytd only) | 40.1457% | 17 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5171% | 7,936 |
| Assets per employee ($millions) | 13.3095% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,611 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 71.2864% | 7,328 |
| Equity capital to assets | 9.5256% | 4,580 |
| Core capital (leverage) ratio | 9.4530% | 3,958 |
| Tier 1 risk-based capital ratio | 13.0847% | 4,081 |
| Total risk-based capital ratio | 13.1015% | 4,965 |
| Memoranda: | ||
| Average total assets | $1,037,626,000 | 672 |
| Average earning assets | $959,826,000 | 656 |
| Average equity | $84,263,000 | 779 |
| Average total loans | $131,000 | 8,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 7,505 |
| Cost of funding earning assets | 1.2597% | 7,150 |
| Net interest margin | 3.4455% | 4,957 |
| Noninterest income to average assets | 6.9225% | 97 |
| Noninterest expense to average assets | 4.4630% | 737 |
| Loan and lease loss provision to assets | 0.0028% | 6,737 |
| Net operating income to assets | 3.3398% | 53 |
| Return on assets (ROA) | 3.3405% | 61 |
| Pretax return on assets | 5.5269% | 37 |
| Return on Equity (ROE) | 45.5524% | 29 |
| Retained earnings to average equity (ytd only) | 45.5524% | 20 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6679% | 7,906 |
| Assets per employee ($millions) | 12.7013% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,598 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 73.7183% | 6,929 |
| Equity capital to assets | 7.6279% | 7,241 |
| Core capital (leverage) ratio | 9.3795% | 4,131 |
| Tier 1 risk-based capital ratio | 14.5806% | 3,269 |
| Total risk-based capital ratio | 14.6028% | 3,875 |
| Memoranda: | ||
| Average total assets | $997,441,500 | 691 |
| Average earning assets | $888,461,000 | 706 |
| Average equity | $73,146,500 | 915 |
| Average total loans | $133,500 | 8,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 7,957 |
| Cost of funding earning assets | 1.6297% | 7,384 |
| Net interest margin | 3.1280% | 6,567 |
| Noninterest income to average assets | 7.6552% | 93 |
| Noninterest expense to average assets | 5.5704% | 486 |
| Loan and lease loss provision to assets | 0.0084% | 7,268 |
| Net operating income to assets | 3.2420% | 58 |
| Return on assets (ROA) | 2.5132% | 124 |
| Pretax return on assets | 3.9793% | 61 |
| Return on Equity (ROE) | 29.8582% | 63 |
| Retained earnings to average equity (ytd only) | 29.8582% | 9 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0757% | 7,480 |
| Assets per employee ($millions) | 11.6133% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 7,557 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 70.9141% | 7,170 |
| Equity capital to assets | 7.0034% | 7,738 |
| Core capital (leverage) ratio | 9.7207% | 3,744 |
| Tier 1 risk-based capital ratio | 14.1064% | 3,497 |
| Total risk-based capital ratio | 14.1289% | 4,102 |
| Memoranda: | ||
| Average total assets | $776,924,200 | 876 |
| Average earning assets | $755,477,800 | 816 |
| Average equity | $65,395,800 | 1,025 |
| Average total loans | $110,400 | 8,245 |