Home > PeoplesBank > Performance and Condition Ratios
PeoplesBank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 2,758 |
| Cost of funding earning assets | 1.8436% | 1,173 |
| Net interest margin | 2.8208% | 3,623 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.9212% | 3,795 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9356% | 2,423 |
| Return on assets (ROA) | 0.8705% | 2,605 |
| Pretax return on assets | 0.9358% | 2,859 |
| Return on Equity (ROE) | 9.7100% | 2,581 |
| Retained earnings to average equity (ytd only) | -1.9396% | 4,266 |
| Net charge-offs to loans | 0.1489% | 690 |
| Credit loss provision to net charge-offs | 96.7936% | 1,878 |
| Earnings coverage of net charge-offs (x) | 9.6789% | 2,276 |
| Efficiency ratio | 60.1865% | 3,060 |
| Assets per employee ($millions) | 13.7173% | 272 |
| Cash dividends to net income (ytd only)* | 119.9835% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 4,334 |
| Loan loss allowance to noncurrent loans | 101.6099% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 1,312 |
| Noncurrent loans to loans | 0.4925% | 1,556 |
| Net loans and leases to total assets | 77.9800% | 871 |
| Net loans and leases to deposits | 100.5575% | 507 |
| Net loans and leases to core deposits | 118.7189% | 668 |
| Total domestic deposits to total assets | 77.5400% | 3,781 |
| Equity capital to assets | 8.3400% | 3,165 |
| Core capital (leverage) ratio | 8.8818% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3607% | 2,750 |
| Memoranda: | ||
| Average total assets | $3,889,688,200 | 327 |
| Average earning assets | $3,590,402,600 | 316 |
| Average equity | $348,830,000 | 348 |
| Average total loans | $3,017,026,600 | 298 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,722 |
| Cost of funding earning assets | 1.6907% | 1,207 |
| Net interest margin | 2.8919% | 3,568 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1572% | 3,192 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8405% | 2,896 |
| Return on assets (ROA) | 0.7267% | 3,227 |
| Pretax return on assets | 0.9456% | 2,989 |
| Return on Equity (ROE) | 7.9600% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.5466% | 2,126 |
| Net charge-offs to loans | 0.1366% | 595 |
| Credit loss provision to net charge-offs | 58.0020% | 1,865 |
| Earnings coverage of net charge-offs (x) | 10.8932% | 2,107 |
| Efficiency ratio | 62.3849% | 2,676 |
| Assets per employee ($millions) | 13.5947% | 263 |
| Cash dividends to net income (ytd only)* | 5.1359% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 4,357 |
| Loan loss allowance to noncurrent loans | 76.3295% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 1,170 |
| Noncurrent loans to loans | 0.6355% | 1,287 |
| Net loans and leases to total assets | 77.5300% | 942 |
| Net loans and leases to deposits | 91.0878% | 1,137 |
| Net loans and leases to core deposits | 108.9934% | 910 |
| Total domestic deposits to total assets | 85.1100% | 2,467 |
| Equity capital to assets | 9.0305% | 2,394 |
| Core capital (leverage) ratio | 9.8229% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5546% | 2,431 |
| Memoranda: | ||
| Average total assets | $3,840,171,000 | 335 |
| Average earning assets | $3,543,147,750 | 328 |
| Average equity | $350,807,500 | 347 |
| Average total loans | $2,970,396,750 | 304 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 2,739 |
| Cost of funding earning assets | 1.4971% | 1,245 |
| Net interest margin | 2.9661% | 3,519 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.2108% | 3,041 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8592% | 2,892 |
| Return on assets (ROA) | 0.7133% | 3,316 |
| Pretax return on assets | 0.9436% | 3,063 |
| Return on Equity (ROE) | 7.7800% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.1613% | 2,234 |
| Net charge-offs to loans | 0.1332% | 559 |
| Credit loss provision to net charge-offs | 34.2536% | 1,727 |
| Earnings coverage of net charge-offs (x) | 11.3195% | 1,969 |
| Efficiency ratio | 62.7246% | 2,622 |
| Assets per employee ($millions) | 12.6947% | 322 |
| Cash dividends to net income (ytd only)* | 7.9196% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4908% | 4,382 |
| Loan loss allowance to noncurrent loans | 84.7893% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 1,211 |
| Noncurrent loans to loans | 0.5789% | 1,290 |
| Net loans and leases to total assets | 75.4900% | 1,104 |
| Net loans and leases to deposits | 94.0418% | 861 |
| Net loans and leases to core deposits | 107.1617% | 944 |
| Total domestic deposits to total assets | 80.2700% | 3,535 |
| Equity capital to assets | 8.9384% | 2,558 |
| Core capital (leverage) ratio | 9.9178% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5604% | 2,444 |
| Memoranda: | ||
| Average total assets | $3,806,072,000 | 326 |
| Average earning assets | $3,514,589,333 | 320 |
| Average equity | $349,068,333 | 339 |
| Average total loans | $2,936,731,333 | 295 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,643 |
| Cost of funding earning assets | 1.2268% | 1,387 |
| Net interest margin | 3.1374% | 3,271 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.3291% | 2,732 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9521% | 2,683 |
| Return on assets (ROA) | 0.6943% | 3,437 |
| Pretax return on assets | 0.9165% | 3,189 |
| Return on Equity (ROE) | 7.4700% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.4680% | 2,370 |
| Net charge-offs to loans | 0.1048% | 579 |
| Credit loss provision to net charge-offs | 133.5535% | 994 |
| Earnings coverage of net charge-offs (x) | 16.5627% | 1,516 |
| Efficiency ratio | 60.6462% | 2,870 |
| Assets per employee ($millions) | 12.2587% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 4,399 |
| Loan loss allowance to noncurrent loans | 108.1780% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 1,275 |
| Noncurrent loans to loans | 0.5174% | 1,430 |
| Net loans and leases to total assets | 77.8100% | 781 |
| Net loans and leases to deposits | 90.8046% | 991 |
| Net loans and leases to core deposits | 104.6028% | 891 |
| Total domestic deposits to total assets | 85.6800% | 2,684 |
| Equity capital to assets | 9.5008% | 2,143 |
| Core capital (leverage) ratio | 10.0073% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8361% | 2,454 |
| Memoranda: | ||
| Average total assets | $3,709,685,500 | 344 |
| Average earning assets | $3,429,962,500 | 332 |
| Average equity | $344,887,000 | 356 |
| Average total loans | $2,888,314,000 | 307 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 2,669 |
| Cost of funding earning assets | 0.4560% | 1,679 |
| Net interest margin | 3.1892% | 2,899 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.1478% | 3,163 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9948% | 2,586 |
| Return on assets (ROA) | 0.9493% | 2,721 |
| Pretax return on assets | 1.2308% | 2,336 |
| Return on Equity (ROE) | 10.2900% | 2,721 |
| Retained earnings to average equity (ytd only) | 9.6271% | 1,268 |
| Net charge-offs to loans | 0.1347% | 593 |
| Credit loss provision to net charge-offs | 155.4817% | 1,277 |
| Earnings coverage of net charge-offs (x) | 14.4563% | 2,028 |
| Efficiency ratio | 57.0383% | 3,463 |
| Assets per employee ($millions) | 11.8712% | 402 |
| Cash dividends to net income (ytd only)* | 6.4370% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 3,723 |
| Loan loss allowance to noncurrent loans | 208.8204% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 1,497 |
| Noncurrent loans to loans | 0.4365% | 1,615 |
| Net loans and leases to total assets | 76.7600% | 924 |
| Net loans and leases to deposits | 90.4227% | 1,020 |
| Net loans and leases to core deposits | 99.9482% | 1,007 |
| Total domestic deposits to total assets | 84.8900% | 3,023 |
| Equity capital to assets | 9.0885% | 2,305 |
| Core capital (leverage) ratio | 9.8392% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8527% | 2,431 |
| Memoranda: | ||
| Average total assets | $3,616,711,200 | 333 |
| Average earning assets | $3,348,267,400 | 325 |
| Average equity | $333,672,000 | 355 |
| Average total loans | $2,680,975,600 | 303 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 2,761 |
| Cost of funding earning assets | 0.3369% | 1,803 |
| Net interest margin | 3.1177% | 2,875 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.1294% | 3,134 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.9570% | 2,634 |
| Return on assets (ROA) | 0.7984% | 3,226 |
| Pretax return on assets | 1.0997% | 2,726 |
| Return on Equity (ROE) | 8.6200% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.1921% | 1,930 |
| Net charge-offs to loans | 0.0777% | 762 |
| Credit loss provision to net charge-offs | 292.0728% | 825 |
| Earnings coverage of net charge-offs (x) | 25.7609% | 1,597 |
| Efficiency ratio | 56.4437% | 3,576 |
| Assets per employee ($millions) | 11.7155% | 417 |
| Cash dividends to net income (ytd only)* | 4.9812% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,623 |
| Loan loss allowance to noncurrent loans | 173.7881% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 1,258 |
| Noncurrent loans to loans | 0.5572% | 1,428 |
| Net loans and leases to total assets | 76.8500% | 824 |
| Net loans and leases to deposits | 91.6957% | 779 |
| Net loans and leases to core deposits | 93.9319% | 1,100 |
| Total domestic deposits to total assets | 83.8100% | 3,541 |
| Equity capital to assets | 8.9944% | 2,222 |
| Core capital (leverage) ratio | 9.7599% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6530% | 2,600 |
| Memoranda: | ||
| Average total assets | $3,603,838,000 | 336 |
| Average earning assets | $3,340,175,000 | 328 |
| Average equity | $333,744,250 | 361 |
| Average total loans | $2,640,823,500 | 301 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 2,851 |
| Cost of funding earning assets | 0.2965% | 1,748 |
| Net interest margin | 2.9704% | 2,972 |
| Noninterest income to average assets | 0.7906% | 1,068 |
| Noninterest expense to average assets | 2.1252% | 3,081 |
| Loan and lease loss provision to assets | 0.1652% | 560 |
| Net operating income to assets | 0.9275% | 2,457 |
| Return on assets (ROA) | 0.8054% | 2,905 |
| Pretax return on assets | 1.1075% | 2,381 |
| Return on Equity (ROE) | 8.6153% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.9790% | 1,628 |
| Net charge-offs to loans | 0.0776% | 692 |
| Credit loss provision to net charge-offs | 296.2302% | 804 |
| Earnings coverage of net charge-offs (x) | 25.5863% | 1,461 |
| Efficiency ratio | 57.0265% | 3,679 |
| Assets per employee ($millions) | 11.1789% | 466 |
| Cash dividends to net income (ytd only)* | 7.3863% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,755 |
| Loan loss allowance to noncurrent loans | 170.6100% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,313 |
| Noncurrent loans to loans | 0.5637% | 1,492 |
| Net loans and leases to total assets | 75.8981% | 741 |
| Net loans and leases to deposits | 87.7362% | 852 |
| Net loans and leases to core deposits | 88.2507% | 1,209 |
| Total domestic deposits to total assets | 86.5072% | 3,110 |
| Equity capital to assets | 9.4321% | 2,074 |
| Core capital (leverage) ratio | 9.5445% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1727% | 2,758 |
| Memoranda: | ||
| Average total assets | $3,614,044,000 | 332 |
| Average earning assets | $3,360,205,333 | 325 |
| Average equity | $337,862,333 | 359 |
| Average total loans | $2,596,783,333 | 301 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1242% | 2,897 |
| Cost of funding earning assets | 0.3245% | 1,419 |
| Net interest margin | 2.7997% | 3,142 |
| Noninterest income to average assets | 0.4488% | 2,398 |
| Noninterest expense to average assets | 2.2191% | 2,783 |
| Loan and lease loss provision to assets | 0.0746% | 1,104 |
| Net operating income to assets | 0.5837% | 3,451 |
| Return on assets (ROA) | 0.7890% | 2,698 |
| Pretax return on assets | 1.0317% | 2,347 |
| Return on Equity (ROE) | 8.4759% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.4759% | 1,432 |
| Net charge-offs to loans | 0.0947% | 543 |
| Credit loss provision to net charge-offs | 113.2450% | 955 |
| Earnings coverage of net charge-offs (x) | 12.8427% | 1,410 |
| Efficiency ratio | 69.1974% | 2,345 |
| Assets per employee ($millions) | 12.7175% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,939 |
| Loan loss allowance to noncurrent loans | 160.4068% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 1,508 |
| Noncurrent loans to loans | 0.5833% | 1,591 |
| Net loans and leases to total assets | 67.6662% | 1,245 |
| Net loans and leases to deposits | 77.0281% | 1,361 |
| Net loans and leases to core deposits | 83.1012% | 1,290 |
| Total domestic deposits to total assets | 87.8461% | 2,597 |
| Equity capital to assets | 9.0644% | 2,658 |
| Core capital (leverage) ratio | 9.1720% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4500% | 2,787 |
| Memoranda: | ||
| Average total assets | $3,665,971,000 | 331 |
| Average earning assets | $3,426,394,000 | 327 |
| Average equity | $341,251,000 | 366 |
| Average total loans | $2,550,154,500 | 304 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1428% | 3,601 |
| Cost of funding earning assets | 0.4222% | 1,375 |
| Net interest margin | 2.7207% | 3,837 |
| Noninterest income to average assets | 0.4604% | 2,762 |
| Noninterest expense to average assets | 2.1872% | 3,127 |
| Loan and lease loss provision to assets | 0.0566% | 1,918 |
| Net operating income to assets | 0.7235% | 3,561 |
| Return on assets (ROA) | 0.8359% | 3,293 |
| Pretax return on assets | 0.8680% | 3,572 |
| Return on Equity (ROE) | 8.9237% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.2463% | 1,442 |
| Net charge-offs to loans | 0.0808% | 995 |
| Credit loss provision to net charge-offs | 100.6126% | 1,783 |
| Earnings coverage of net charge-offs (x) | 14.3553% | 2,032 |
| Efficiency ratio | 69.5945% | 1,784 |
| Assets per employee ($millions) | 11.9741% | 399 |
| Cash dividends to net income (ytd only)* | 7.5914% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 3,960 |
| Loan loss allowance to noncurrent loans | 169.3791% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 1,648 |
| Noncurrent loans to loans | 0.5559% | 1,736 |
| Net loans and leases to total assets | 70.2133% | 1,022 |
| Net loans and leases to deposits | 80.4771% | 1,171 |
| Net loans and leases to core deposits | 88.9748% | 1,015 |
| Total domestic deposits to total assets | 87.2463% | 2,413 |
| Equity capital to assets | 9.5646% | 3,083 |
| Core capital (leverage) ratio | 9.4306% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7624% | 2,711 |
| Memoranda: | ||
| Average total assets | $3,482,705,000 | 335 |
| Average earning assets | $3,244,140,600 | 329 |
| Average equity | $326,232,400 | 372 |
| Average total loans | $2,425,166,400 | 309 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 3,728 |
| Cost of funding earning assets | 0.4471% | 1,373 |
| Net interest margin | 2.6912% | 3,997 |
| Noninterest income to average assets | 0.6474% | 2,024 |
| Noninterest expense to average assets | 2.2333% | 2,960 |
| Loan and lease loss provision to assets | 0.0610% | 1,772 |
| Net operating income to assets | 0.6558% | 3,882 |
| Return on assets (ROA) | 0.6784% | 3,881 |
| Pretax return on assets | 0.8859% | 3,725 |
| Return on Equity (ROE) | 7.2818% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.8370% | 2,480 |
| Net charge-offs to loans | 0.0709% | 941 |
| Credit loss provision to net charge-offs | 124.2543% | 1,444 |
| Earnings coverage of net charge-offs (x) | 18.6978% | 1,777 |
| Efficiency ratio | 67.5678% | 1,890 |
| Assets per employee ($millions) | 11.3132% | 442 |
| Cash dividends to net income (ytd only)* | 6.1093% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,958 |
| Loan loss allowance to noncurrent loans | 153.2949% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 1,659 |
| Noncurrent loans to loans | 0.6293% | 1,736 |
| Net loans and leases to total assets | 72.2145% | 853 |
| Net loans and leases to deposits | 83.0923% | 1,024 |
| Net loans and leases to core deposits | 92.3792% | 908 |
| Total domestic deposits to total assets | 86.9088% | 2,387 |
| Equity capital to assets | 9.6521% | 3,248 |
| Core capital (leverage) ratio | 9.2005% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5866% | 3,032 |
| Memoranda: | ||
| Average total assets | $3,458,313,750 | 338 |
| Average earning assets | $3,218,100,250 | 332 |
| Average equity | $322,181,250 | 378 |
| Average total loans | $2,397,028,000 | 315 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1022% | 3,860 |
| Cost of funding earning assets | 0.4840% | 1,297 |
| Net interest margin | 2.6181% | 4,135 |
| Noninterest income to average assets | 0.6418% | 2,031 |
| Noninterest expense to average assets | 2.3193% | 2,705 |
| Loan and lease loss provision to assets | 0.0015% | 2,842 |
| Net operating income to assets | 0.5890% | 4,005 |
| Return on assets (ROA) | 0.6740% | 3,887 |
| Pretax return on assets | 0.8634% | 3,739 |
| Return on Equity (ROE) | 7.3221% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.6480% | 2,563 |
| Net charge-offs to loans | 0.0608% | 1,003 |
| Credit loss provision to net charge-offs | 3.6262% | 1,790 |
| Earnings coverage of net charge-offs (x) | 18.2985% | 1,569 |
| Efficiency ratio | 72.0158% | 1,433 |
| Assets per employee ($millions) | 11.3532% | 417 |
| Cash dividends to net income (ytd only)* | 9.2069% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,856 |
| Loan loss allowance to noncurrent loans | 151.0453% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 1,902 |
| Noncurrent loans to loans | 0.6554% | 1,780 |
| Net loans and leases to total assets | 64.8633% | 1,845 |
| Net loans and leases to deposits | 84.8450% | 1,001 |
| Net loans and leases to core deposits | 86.1647% | 1,403 |
| Total domestic deposits to total assets | 76.4491% | 4,536 |
| Equity capital to assets | 9.1428% | 3,664 |
| Core capital (leverage) ratio | 8.9827% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1978% | 2,647 |
| Memoranda: | ||
| Average total assets | $3,464,683,000 | 338 |
| Average earning assets | $3,222,059,333 | 330 |
| Average equity | $318,923,667 | 377 |
| Average total loans | $2,360,104,667 | 320 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 3,768 |
| Cost of funding earning assets | 0.5615% | 1,041 |
| Net interest margin | 2.5931% | 4,165 |
| Noninterest income to average assets | 0.5227% | 2,512 |
| Noninterest expense to average assets | 2.6328% | 1,790 |
| Loan and lease loss provision to assets | 0.1112% | 1,247 |
| Net operating income to assets | 0.1851% | 4,645 |
| Return on assets (ROA) | 0.2907% | 4,565 |
| Pretax return on assets | 0.2934% | 4,609 |
| Return on Equity (ROE) | 3.1464% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.1464% | 3,736 |
| Net charge-offs to loans | 0.0865% | 761 |
| Credit loss provision to net charge-offs | 185.1563% | 913 |
| Earnings coverage of net charge-offs (x) | 4.9590% | 1,700 |
| Efficiency ratio | 86.2428% | 500 |
| Assets per employee ($millions) | 11.1641% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,714 |
| Loan loss allowance to noncurrent loans | 216.7840% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 2,508 |
| Noncurrent loans to loans | 0.4768% | 2,415 |
| Net loans and leases to total assets | 67.0638% | 1,652 |
| Net loans and leases to deposits | 89.3155% | 742 |
| Net loans and leases to core deposits | 92.1831% | 1,104 |
| Total domestic deposits to total assets | 75.0863% | 4,621 |
| Equity capital to assets | 9.1742% | 3,515 |
| Core capital (leverage) ratio | 8.9057% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0945% | 2,637 |
| Memoranda: | ||
| Average total assets | $3,408,895,500 | 339 |
| Average earning assets | $3,165,525,000 | 332 |
| Average equity | $314,901,000 | 375 |
| Average total loans | $2,368,721,500 | 321 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 3,742 |
| Cost of funding earning assets | 0.7363% | 1,532 |
| Net interest margin | 2.8914% | 4,123 |
| Noninterest income to average assets | 0.6502% | 2,027 |
| Noninterest expense to average assets | 2.1646% | 3,770 |
| Loan and lease loss provision to assets | 0.3256% | 1,115 |
| Net operating income to assets | 0.6538% | 3,579 |
| Return on assets (ROA) | 0.7007% | 3,566 |
| Pretax return on assets | 0.8681% | 3,457 |
| Return on Equity (ROE) | 7.3869% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.6453% | 1,530 |
| Net charge-offs to loans | 0.0687% | 1,807 |
| Credit loss provision to net charge-offs | 633.0446% | 1,068 |
| Earnings coverage of net charge-offs (x) | 22.0786% | 1,871 |
| Efficiency ratio | 62.1244% | 3,105 |
| Assets per employee ($millions) | 10.7580% | 425 |
| Cash dividends to net income (ytd only)* | 10.0395% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,862 |
| Loan loss allowance to noncurrent loans | 166.9626% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 2,290 |
| Noncurrent loans to loans | 0.5999% | 2,195 |
| Net loans and leases to total assets | 70.5598% | 1,486 |
| Net loans and leases to deposits | 96.7764% | 512 |
| Net loans and leases to core deposits | 101.0074% | 858 |
| Total domestic deposits to total assets | 72.9102% | 4,682 |
| Equity capital to assets | 9.3034% | 3,782 |
| Core capital (leverage) ratio | 9.0998% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8364% | 2,691 |
| Memoranda: | ||
| Average total assets | $3,141,501,800 | 330 |
| Average earning assets | $2,879,306,000 | 325 |
| Average equity | $298,002,000 | 371 |
| Average total loans | $2,352,581,600 | 305 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 3,799 |
| Cost of funding earning assets | 0.7824% | 1,579 |
| Net interest margin | 2.9191% | 4,146 |
| Noninterest income to average assets | 0.6746% | 1,883 |
| Noninterest expense to average assets | 2.1406% | 3,848 |
| Loan and lease loss provision to assets | 0.5100% | 568 |
| Net operating income to assets | 0.5165% | 3,987 |
| Return on assets (ROA) | 0.5354% | 4,033 |
| Pretax return on assets | 0.7169% | 3,869 |
| Return on Equity (ROE) | 5.6153% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.6153% | 2,279 |
| Net charge-offs to loans | 0.0520% | 1,860 |
| Credit loss provision to net charge-offs | 1,293.4354% | 696 |
| Earnings coverage of net charge-offs (x) | 30.5055% | 1,564 |
| Efficiency ratio | 60.5487% | 3,296 |
| Assets per employee ($millions) | 10.8506% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,276 |
| Loan loss allowance to noncurrent loans | 196.7015% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 2,507 |
| Noncurrent loans to loans | 0.5522% | 2,413 |
| Net loans and leases to total assets | 73.7262% | 1,411 |
| Net loans and leases to deposits | 106.1940% | 316 |
| Net loans and leases to core deposits | 111.0960% | 662 |
| Total domestic deposits to total assets | 69.4259% | 4,777 |
| Equity capital to assets | 9.2694% | 3,887 |
| Core capital (leverage) ratio | 9.0052% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2837% | 2,842 |
| Memoranda: | ||
| Average total assets | $3,090,440,500 | 327 |
| Average earning assets | $2,825,515,500 | 322 |
| Average equity | $294,685,250 | 365 |
| Average total loans | $2,344,567,500 | 302 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 3,912 |
| Cost of funding earning assets | 0.8430% | 1,623 |
| Net interest margin | 2.9386% | 4,246 |
| Noninterest income to average assets | 0.6458% | 1,948 |
| Noninterest expense to average assets | 2.1983% | 3,794 |
| Loan and lease loss provision to assets | 0.7151% | 380 |
| Net operating income to assets | 0.3178% | 4,386 |
| Return on assets (ROA) | 0.3467% | 4,397 |
| Pretax return on assets | 0.4541% | 4,329 |
| Return on Equity (ROE) | 3.5999% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.5999% | 3,122 |
| Net charge-offs to loans | 0.0290% | 2,139 |
| Credit loss provision to net charge-offs | 3,228.4866% | 339 |
| Earnings coverage of net charge-offs (x) | 51.1335% | 1,086 |
| Efficiency ratio | 62.4544% | 3,052 |
| Assets per employee ($millions) | 10.4098% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,261 |
| Loan loss allowance to noncurrent loans | 190.5300% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,589 |
| Noncurrent loans to loans | 0.5588% | 2,490 |
| Net loans and leases to total assets | 75.0626% | 1,271 |
| Net loans and leases to deposits | 105.8561% | 321 |
| Net loans and leases to core deposits | 113.2944% | 623 |
| Total domestic deposits to total assets | 70.9100% | 4,754 |
| Equity capital to assets | 9.0849% | 4,009 |
| Core capital (leverage) ratio | 8.9476% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0958% | 2,944 |
| Memoranda: | ||
| Average total assets | $3,042,761,667 | 326 |
| Average earning assets | $2,780,411,333 | 324 |
| Average equity | $293,005,667 | 366 |
| Average total loans | $2,322,724,000 | 303 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,940 |
| Cost of funding earning assets | 1.0005% | 1,420 |
| Net interest margin | 2.9463% | 4,359 |
| Noninterest income to average assets | 0.6623% | 1,798 |
| Noninterest expense to average assets | 2.3189% | 3,729 |
| Loan and lease loss provision to assets | 0.0636% | 2,970 |
| Net operating income to assets | 0.7161% | 3,220 |
| Return on assets (ROA) | 0.7761% | 3,070 |
| Pretax return on assets | 1.0477% | 2,674 |
| Return on Equity (ROE) | 7.8209% | 2,589 |
| Retained earnings to average equity (ytd only) | 7.8209% | 1,287 |
| Net charge-offs to loans | 0.0460% | 1,559 |
| Credit loss provision to net charge-offs | 180.8429% | 1,475 |
| Earnings coverage of net charge-offs (x) | 29.4176% | 1,193 |
| Efficiency ratio | 65.5263% | 3,026 |
| Assets per employee ($millions) | 9.8962% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 4,647 |
| Loan loss allowance to noncurrent loans | 133.2358% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 2,865 |
| Noncurrent loans to loans | 0.5096% | 2,744 |
| Net loans and leases to total assets | 75.7835% | 1,337 |
| Net loans and leases to deposits | 107.8768% | 235 |
| Net loans and leases to core deposits | 121.5429% | 422 |
| Total domestic deposits to total assets | 70.2500% | 4,845 |
| Equity capital to assets | 9.7536% | 3,992 |
| Core capital (leverage) ratio | 9.5045% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4604% | 2,944 |
| Memoranda: | ||
| Average total assets | $2,966,236,500 | 326 |
| Average earning assets | $2,710,204,000 | 325 |
| Average equity | $294,340,500 | 363 |
| Average total loans | $2,271,750,000 | 302 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 3,934 |
| Cost of funding earning assets | 1.1413% | 1,188 |
| Net interest margin | 3.0059% | 4,506 |
| Noninterest income to average assets | 0.3940% | 3,329 |
| Noninterest expense to average assets | 2.2024% | 4,154 |
| Loan and lease loss provision to assets | 0.0735% | 2,525 |
| Net operating income to assets | 0.8570% | 3,369 |
| Return on assets (ROA) | 0.8674% | 3,416 |
| Pretax return on assets | 0.8984% | 3,746 |
| Return on Equity (ROE) | 8.8550% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.8550% | 750 |
| Net charge-offs to loans | 0.0560% | 2,302 |
| Credit loss provision to net charge-offs | 170.5036% | 1,522 |
| Earnings coverage of net charge-offs (x) | 22.2854% | 1,857 |
| Efficiency ratio | 65.7051% | 2,819 |
| Assets per employee ($millions) | 9.7155% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 4,617 |
| Loan loss allowance to noncurrent loans | 179.1202% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,274 |
| Noncurrent loans to loans | 0.3767% | 3,091 |
| Net loans and leases to total assets | 76.3580% | 1,350 |
| Net loans and leases to deposits | 115.9351% | 115 |
| Net loans and leases to core deposits | 127.8345% | 309 |
| Total domestic deposits to total assets | 65.8627% | 5,028 |
| Equity capital to assets | 10.0950% | 3,839 |
| Core capital (leverage) ratio | 9.3514% | 4,222 |
| Tier 1 risk-based capital ratio | 12.1159% | 4,294 |
| Total risk-based capital ratio | 12.7937% | 4,488 |
| Memoranda: | ||
| Average total assets | $2,900,462,000 | 320 |
| Average earning assets | $2,672,451,000 | 317 |
| Average equity | $284,134,800 | 361 |
| Average total loans | $2,234,901,800 | 303 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 4,006 |
| Cost of funding earning assets | 1.1614% | 1,133 |
| Net interest margin | 3.0034% | 4,618 |
| Noninterest income to average assets | 0.6050% | 2,177 |
| Noninterest expense to average assets | 2.2382% | 4,100 |
| Loan and lease loss provision to assets | 0.0533% | 2,844 |
| Net operating income to assets | 0.8013% | 3,669 |
| Return on assets (ROA) | 0.8126% | 3,719 |
| Pretax return on assets | 1.0956% | 3,306 |
| Return on Equity (ROE) | 8.3604% | 3,170 |
| Retained earnings to average equity (ytd only) | 8.3604% | 1,262 |
| Net charge-offs to loans | 0.0503% | 2,111 |
| Credit loss provision to net charge-offs | 137.6190% | 1,746 |
| Earnings coverage of net charge-offs (x) | 29.2715% | 1,650 |
| Efficiency ratio | 62.6792% | 3,216 |
| Assets per employee ($millions) | 9.6598% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 4,728 |
| Loan loss allowance to noncurrent loans | 161.7314% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,290 |
| Noncurrent loans to loans | 0.4027% | 3,102 |
| Net loans and leases to total assets | 76.6269% | 1,370 |
| Net loans and leases to deposits | 108.6556% | 250 |
| Net loans and leases to core deposits | 128.3380% | 326 |
| Total domestic deposits to total assets | 70.5227% | 4,974 |
| Equity capital to assets | 10.0940% | 3,927 |
| Core capital (leverage) ratio | 9.1887% | 4,486 |
| Tier 1 risk-based capital ratio | 11.6996% | 4,570 |
| Total risk-based capital ratio | 12.3489% | 4,757 |
| Memoranda: | ||
| Average total assets | $2,889,626,000 | 327 |
| Average earning assets | $2,662,889,500 | 321 |
| Average equity | $280,874,000 | 364 |
| Average total loans | $2,227,852,000 | 305 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 4,016 |
| Cost of funding earning assets | 1.1543% | 1,122 |
| Net interest margin | 3.0074% | 4,671 |
| Noninterest income to average assets | 0.5911% | 2,191 |
| Noninterest expense to average assets | 2.3209% | 3,953 |
| Loan and lease loss provision to assets | 0.0242% | 3,324 |
| Net operating income to assets | 0.7613% | 3,789 |
| Return on assets (ROA) | 0.7727% | 3,808 |
| Pretax return on assets | 1.0364% | 3,423 |
| Return on Equity (ROE) | 8.0545% | 3,270 |
| Retained earnings to average equity (ytd only) | 8.0545% | 1,371 |
| Net charge-offs to loans | 0.0463% | 1,987 |
| Credit loss provision to net charge-offs | 67.8363% | 2,336 |
| Earnings coverage of net charge-offs (x) | 29.3372% | 1,489 |
| Efficiency ratio | 65.2243% | 2,939 |
| Assets per employee ($millions) | 9.5604% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 4,817 |
| Loan loss allowance to noncurrent loans | 177.5434% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,445 |
| Noncurrent loans to loans | 0.3572% | 3,261 |
| Net loans and leases to total assets | 76.6776% | 1,437 |
| Net loans and leases to deposits | 110.9451% | 204 |
| Net loans and leases to core deposits | 126.0682% | 389 |
| Total domestic deposits to total assets | 69.1131% | 5,072 |
| Equity capital to assets | 9.7607% | 4,181 |
| Core capital (leverage) ratio | 9.0686% | 4,576 |
| Tier 1 risk-based capital ratio | 11.5148% | 4,678 |
| Total risk-based capital ratio | 12.1508% | 4,870 |
| Memoranda: | ||
| Average total assets | $2,877,199,000 | 330 |
| Average earning assets | $2,655,848,670 | 324 |
| Average equity | $276,018,000 | 371 |
| Average total loans | $2,217,969,330 | 308 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 4,016 |
| Cost of funding earning assets | 1.1237% | 1,112 |
| Net interest margin | 3.0222% | 4,714 |
| Noninterest income to average assets | 0.5452% | 2,310 |
| Noninterest expense to average assets | 2.4172% | 3,727 |
| Loan and lease loss provision to assets | -0.0312% | 5,239 |
| Net operating income to assets | 0.7039% | 3,918 |
| Return on assets (ROA) | 0.8042% | 3,648 |
| Pretax return on assets | 1.0805% | 3,202 |
| Return on Equity (ROE) | 8.4574% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.4574% | 1,507 |
| Net charge-offs to loans | 0.0544% | 1,509 |
| Credit loss provision to net charge-offs | -74.3333% | 3,521 |
| Earnings coverage of net charge-offs (x) | 22.0067% | 1,513 |
| Efficiency ratio | 68.6247% | 2,549 |
| Assets per employee ($millions) | 9.6872% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 4,886 |
| Loan loss allowance to noncurrent loans | 153.9871% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,334 |
| Noncurrent loans to loans | 0.4084% | 3,123 |
| Net loans and leases to total assets | 76.6690% | 1,371 |
| Net loans and leases to deposits | 102.9351% | 452 |
| Net loans and leases to core deposits | 120.5696% | 513 |
| Total domestic deposits to total assets | 74.4829% | 4,896 |
| Equity capital to assets | 9.6653% | 4,119 |
| Core capital (leverage) ratio | 8.9379% | 4,691 |
| Tier 1 risk-based capital ratio | 11.4919% | 4,748 |
| Total risk-based capital ratio | 12.1259% | 4,938 |
| Memoranda: | ||
| Average total assets | $2,862,623,500 | 334 |
| Average earning assets | $2,646,932,000 | 329 |
| Average equity | $272,187,000 | 373 |
| Average total loans | $2,205,583,000 | 314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 4,378 |
| Cost of funding earning assets | 0.9562% | 904 |
| Net interest margin | 2.8998% | 4,921 |
| Noninterest income to average assets | 0.5485% | 2,553 |
| Noninterest expense to average assets | 2.2827% | 4,163 |
| Loan and lease loss provision to assets | 0.0559% | 3,050 |
| Net operating income to assets | 0.7694% | 3,915 |
| Return on assets (ROA) | 0.7716% | 3,914 |
| Pretax return on assets | 0.9142% | 3,854 |
| Return on Equity (ROE) | 8.5741% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.5741% | 1,019 |
| Net charge-offs to loans | 0.0725% | 2,083 |
| Credit loss provision to net charge-offs | 101.0714% | 2,490 |
| Earnings coverage of net charge-offs (x) | 17.5050% | 2,192 |
| Efficiency ratio | 69.8682% | 2,211 |
| Assets per employee ($millions) | 9.2219% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,893 |
| Loan loss allowance to noncurrent loans | 129.6333% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 2,706 |
| Noncurrent loans to loans | 0.5031% | 2,766 |
| Net loans and leases to total assets | 76.4267% | 1,532 |
| Net loans and leases to deposits | 106.0183% | 370 |
| Net loans and leases to core deposits | 130.5779% | 308 |
| Total domestic deposits to total assets | 72.0882% | 5,066 |
| Equity capital to assets | 9.3458% | 4,272 |
| Core capital (leverage) ratio | 8.8218% | 4,794 |
| Tier 1 risk-based capital ratio | 11.2024% | 4,863 |
| Total risk-based capital ratio | 11.8604% | 5,036 |
| Memoranda: | ||
| Average total assets | $2,532,931,800 | 356 |
| Average earning assets | $2,359,884,200 | 349 |
| Average equity | $227,941,400 | 410 |
| Average total loans | $1,930,738,200 | 336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,304 |
| Cost of funding earning assets | 0.9230% | 825 |
| Net interest margin | 2.9370% | 4,927 |
| Noninterest income to average assets | 0.5862% | 2,384 |
| Noninterest expense to average assets | 2.1364% | 4,470 |
| Loan and lease loss provision to assets | 0.0539% | 2,891 |
| Net operating income to assets | 0.9154% | 3,458 |
| Return on assets (ROA) | 0.9182% | 3,449 |
| Pretax return on assets | 1.1441% | 3,220 |
| Return on Equity (ROE) | 10.3199% | 2,472 |
| Retained earnings to average equity (ytd only) | 10.3199% | 818 |
| Net charge-offs to loans | 0.0794% | 1,726 |
| Credit loss provision to net charge-offs | 89.3598% | 2,430 |
| Earnings coverage of net charge-offs (x) | 19.7854% | 1,982 |
| Efficiency ratio | 64.1383% | 3,159 |
| Assets per employee ($millions) | 9.2033% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,781 |
| Loan loss allowance to noncurrent loans | 384.6465% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 3,776 |
| Noncurrent loans to loans | 0.1922% | 4,024 |
| Net loans and leases to total assets | 76.7385% | 1,548 |
| Net loans and leases to deposits | 105.6263% | 457 |
| Net loans and leases to core deposits | 131.8546% | 298 |
| Total domestic deposits to total assets | 72.6509% | 5,086 |
| Equity capital to assets | 8.9789% | 4,566 |
| Core capital (leverage) ratio | 9.5041% | 4,170 |
| Tier 1 risk-based capital ratio | 12.1293% | 4,427 |
| Total risk-based capital ratio | 12.8482% | 4,621 |
| Memoranda: | ||
| Average total assets | $2,449,158,750 | 364 |
| Average earning assets | $2,288,731,000 | 355 |
| Average equity | $217,916,500 | 421 |
| Average total loans | $1,861,842,000 | 345 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,418 |
| Cost of funding earning assets | 0.8611% | 870 |
| Net interest margin | 2.9077% | 5,006 |
| Noninterest income to average assets | 0.5594% | 2,521 |
| Noninterest expense to average assets | 2.1585% | 4,470 |
| Loan and lease loss provision to assets | 0.0357% | 3,204 |
| Net operating income to assets | 0.8757% | 3,557 |
| Return on assets (ROA) | 0.8787% | 3,551 |
| Pretax return on assets | 1.0870% | 3,366 |
| Return on Equity (ROE) | 9.9061% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.9061% | 952 |
| Net charge-offs to loans | 0.0382% | 2,089 |
| Credit loss provision to net charge-offs | 123.6467% | 1,771 |
| Earnings coverage of net charge-offs (x) | 38.8006% | 1,325 |
| Efficiency ratio | 65.8586% | 3,009 |
| Assets per employee ($millions) | 9.1688% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,827 |
| Loan loss allowance to noncurrent loans | 585.5002% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,515 |
| Noncurrent loans to loans | 0.1283% | 4,333 |
| Net loans and leases to total assets | 75.4803% | 1,719 |
| Net loans and leases to deposits | 98.6132% | 918 |
| Net loans and leases to core deposits | 120.7599% | 547 |
| Total domestic deposits to total assets | 76.5418% | 4,796 |
| Equity capital to assets | 8.6762% | 4,821 |
| Core capital (leverage) ratio | 9.4829% | 4,134 |
| Tier 1 risk-based capital ratio | 11.8340% | 4,600 |
| Total risk-based capital ratio | 12.5641% | 4,787 |
| Memoranda: | ||
| Average total assets | $2,434,177,330 | 365 |
| Average earning assets | $2,275,458,330 | 355 |
| Average equity | $215,908,000 | 423 |
| Average total loans | $1,839,725,670 | 349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,461 |
| Cost of funding earning assets | 0.8089% | 913 |
| Net interest margin | 2.8941% | 5,040 |
| Noninterest income to average assets | 0.5395% | 2,578 |
| Noninterest expense to average assets | 2.2198% | 4,367 |
| Loan and lease loss provision to assets | -0.0030% | 5,393 |
| Net operating income to assets | 0.8335% | 3,581 |
| Return on assets (ROA) | 0.8335% | 3,595 |
| Pretax return on assets | 1.0253% | 3,448 |
| Return on Equity (ROE) | 9.2899% | 2,772 |
| Retained earnings to average equity (ytd only) | 9.2899% | 1,367 |
| Net charge-offs to loans | 0.0554% | 1,552 |
| Credit loss provision to net charge-offs | -7.2289% | 3,552 |
| Earnings coverage of net charge-offs (x) | 24.4900% | 1,358 |
| Efficiency ratio | 68.4679% | 2,756 |
| Assets per employee ($millions) | 9.0068% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 4,851 |
| Loan loss allowance to noncurrent loans | 697.9713% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,670 |
| Noncurrent loans to loans | 0.1111% | 4,470 |
| Net loans and leases to total assets | 74.7674% | 1,748 |
| Net loans and leases to deposits | 103.6545% | 499 |
| Net loans and leases to core deposits | 122.0536% | 521 |
| Total domestic deposits to total assets | 72.1313% | 5,276 |
| Equity capital to assets | 8.9025% | 4,656 |
| Core capital (leverage) ratio | 9.6609% | 3,888 |
| Tier 1 risk-based capital ratio | 12.1656% | 4,453 |
| Total risk-based capital ratio | 12.9163% | 4,654 |
| Memoranda: | ||
| Average total assets | $2,385,971,000 | 374 |
| Average earning assets | $2,228,105,000 | 363 |
| Average equity | $214,082,500 | 428 |
| Average total loans | $1,797,311,500 | 354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,469 |
| Cost of funding earning assets | 0.6685% | 1,191 |
| Net interest margin | 2.9742% | 4,936 |
| Noninterest income to average assets | 0.6568% | 2,156 |
| Noninterest expense to average assets | 2.3984% | 4,084 |
| Loan and lease loss provision to assets | 0.1083% | 2,077 |
| Net operating income to assets | 0.5701% | 4,143 |
| Return on assets (ROA) | 0.5744% | 4,154 |
| Pretax return on assets | 0.9261% | 3,825 |
| Return on Equity (ROE) | 6.2097% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.2097% | 1,432 |
| Net charge-offs to loans | 0.0634% | 2,572 |
| Credit loss provision to net charge-offs | 226.5918% | 1,220 |
| Earnings coverage of net charge-offs (x) | 21.4991% | 1,903 |
| Efficiency ratio | 70.0048% | 2,544 |
| Assets per employee ($millions) | 8.6063% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 4,797 |
| Loan loss allowance to noncurrent loans | 659.6145% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,660 |
| Noncurrent loans to loans | 0.1227% | 4,429 |
| Net loans and leases to total assets | 74.6948% | 1,811 |
| Net loans and leases to deposits | 107.6889% | 334 |
| Net loans and leases to core deposits | 121.9362% | 527 |
| Total domestic deposits to total assets | 69.3616% | 5,428 |
| Equity capital to assets | 9.0443% | 4,674 |
| Core capital (leverage) ratio | 9.5568% | 3,967 |
| Tier 1 risk-based capital ratio | 12.1625% | 4,420 |
| Total risk-based capital ratio | 12.9425% | 4,612 |
| Memoranda: | ||
| Average total assets | $2,234,323,200 | 374 |
| Average earning assets | $2,080,353,200 | 368 |
| Average equity | $206,691,800 | 429 |
| Average total loans | $1,684,379,600 | 355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 4,516 |
| Cost of funding earning assets | 0.6427% | 1,288 |
| Net interest margin | 2.9750% | 4,972 |
| Noninterest income to average assets | 0.8329% | 1,467 |
| Noninterest expense to average assets | 2.4688% | 3,826 |
| Loan and lease loss provision to assets | 0.1029% | 2,055 |
| Net operating income to assets | 0.7893% | 3,563 |
| Return on assets (ROA) | 0.7927% | 3,600 |
| Pretax return on assets | 1.0347% | 3,550 |
| Return on Equity (ROE) | 8.5182% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.5182% | 1,009 |
| Net charge-offs to loans | 0.0450% | 2,540 |
| Credit loss provision to net charge-offs | 303.2086% | 973 |
| Earnings coverage of net charge-offs (x) | 33.3797% | 1,467 |
| Efficiency ratio | 68.5404% | 2,780 |
| Assets per employee ($millions) | 8.5838% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,851 |
| Loan loss allowance to noncurrent loans | 543.8172% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,664 |
| Noncurrent loans to loans | 0.1500% | 4,456 |
| Net loans and leases to total assets | 74.0107% | 1,915 |
| Net loans and leases to deposits | 106.2395% | 408 |
| Net loans and leases to core deposits | 121.0838% | 553 |
| Total domestic deposits to total assets | 69.6641% | 5,489 |
| Equity capital to assets | 9.1584% | 4,758 |
| Core capital (leverage) ratio | 9.5522% | 4,091 |
| Tier 1 risk-based capital ratio | 12.5025% | 4,308 |
| Total risk-based capital ratio | 13.2997% | 4,469 |
| Memoranda: | ||
| Average total assets | $2,203,373,000 | 379 |
| Average earning assets | $2,050,747,500 | 374 |
| Average equity | $205,045,750 | 434 |
| Average total loans | $1,661,532,250 | 361 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,592 |
| Cost of funding earning assets | 0.6052% | 1,411 |
| Net interest margin | 2.9651% | 4,982 |
| Noninterest income to average assets | 0.5664% | 2,626 |
| Noninterest expense to average assets | 2.6307% | 3,338 |
| Loan and lease loss provision to assets | 0.1142% | 1,797 |
| Net operating income to assets | 0.4713% | 4,785 |
| Return on assets (ROA) | 0.7155% | 3,842 |
| Pretax return on assets | 0.8774% | 4,002 |
| Return on Equity (ROE) | 7.6450% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.6450% | 1,297 |
| Net charge-offs to loans | 0.0494% | 2,233 |
| Credit loss provision to net charge-offs | 305.6931% | 951 |
| Earnings coverage of net charge-offs (x) | 18.5693% | 1,873 |
| Efficiency ratio | 79.1292% | 1,322 |
| Assets per employee ($millions) | 8.6420% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,899 |
| Loan loss allowance to noncurrent loans | 673.0807% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,754 |
| Noncurrent loans to loans | 0.1216% | 4,633 |
| Net loans and leases to total assets | 73.0456% | 2,034 |
| Net loans and leases to deposits | 101.1640% | 664 |
| Net loans and leases to core deposits | 113.0724% | 844 |
| Total domestic deposits to total assets | 72.2051% | 5,441 |
| Equity capital to assets | 9.0208% | 4,877 |
| Core capital (leverage) ratio | 9.7256% | 3,867 |
| Tier 1 risk-based capital ratio | 12.7988% | 4,119 |
| Total risk-based capital ratio | 13.6169% | 4,267 |
| Memoranda: | ||
| Average total assets | $2,162,425,000 | 388 |
| Average earning assets | $2,011,459,670 | 380 |
| Average equity | $202,379,330 | 435 |
| Average total loans | $1,636,772,670 | 369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,492 |
| Cost of funding earning assets | 0.5935% | 1,422 |
| Net interest margin | 2.9765% | 4,940 |
| Noninterest income to average assets | 0.5463% | 2,683 |
| Noninterest expense to average assets | 2.4022% | 4,103 |
| Loan and lease loss provision to assets | 0.1539% | 1,192 |
| Net operating income to assets | 0.5505% | 4,378 |
| Return on assets (ROA) | 0.5505% | 4,424 |
| Pretax return on assets | 0.7577% | 4,262 |
| Return on Equity (ROE) | 5.7673% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.7673% | 2,460 |
| Net charge-offs to loans | 0.0425% | 1,980 |
| Credit loss provision to net charge-offs | 471.3450% | 590 |
| Earnings coverage of net charge-offs (x) | 27.9123% | 1,265 |
| Efficiency ratio | 72.4899% | 2,489 |
| Assets per employee ($millions) | 7.9839% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,984 |
| Loan loss allowance to noncurrent loans | 553.9959% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,706 |
| Noncurrent loans to loans | 0.1502% | 4,588 |
| Net loans and leases to total assets | 76.3473% | 1,356 |
| Net loans and leases to deposits | 97.4812% | 811 |
| Net loans and leases to core deposits | 108.1981% | 962 |
| Total domestic deposits to total assets | 78.3200% | 4,930 |
| Equity capital to assets | 9.4481% | 4,342 |
| Core capital (leverage) ratio | 10.0474% | 3,435 |
| Tier 1 risk-based capital ratio | 13.1464% | 3,997 |
| Total risk-based capital ratio | 13.9939% | 4,134 |
| Memoranda: | ||
| Average total assets | $2,094,255,500 | 397 |
| Average earning assets | $1,947,239,500 | 388 |
| Average equity | $199,886,000 | 441 |
| Average total loans | $1,608,660,500 | 374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,718 |
| Cost of funding earning assets | 0.6980% | 813 |
| Net interest margin | 2.8264% | 5,252 |
| Noninterest income to average assets | 0.3842% | 4,006 |
| Noninterest expense to average assets | 2.3726% | 4,361 |
| Loan and lease loss provision to assets | 0.0597% | 3,189 |
| Net operating income to assets | 0.6024% | 4,198 |
| Return on assets (ROA) | 0.6265% | 4,213 |
| Pretax return on assets | 0.5969% | 4,791 |
| Return on Equity (ROE) | 6.5664% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.5664% | 1,423 |
| Net charge-offs to loans | 0.0425% | 3,186 |
| Credit loss provision to net charge-offs | 188.6822% | 1,497 |
| Earnings coverage of net charge-offs (x) | 19.9907% | 1,882 |
| Efficiency ratio | 78.9524% | 1,561 |
| Assets per employee ($millions) | 7.7034% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 5,030 |
| Loan loss allowance to noncurrent loans | 502.7413% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,719 |
| Noncurrent loans to loans | 0.1643% | 4,575 |
| Net loans and leases to total assets | 75.9987% | 1,512 |
| Net loans and leases to deposits | 98.5694% | 773 |
| Net loans and leases to core deposits | 108.1562% | 1,014 |
| Total domestic deposits to total assets | 77.1017% | 5,109 |
| Equity capital to assets | 9.6444% | 4,124 |
| Core capital (leverage) ratio | 10.1554% | 3,293 |
| Tier 1 risk-based capital ratio | 13.3113% | 3,889 |
| Total risk-based capital ratio | 14.1407% | 4,034 |
| Memoranda: | ||
| Average total assets | $2,038,529,400 | 389 |
| Average earning assets | $1,890,378,800 | 385 |
| Average equity | $194,504,800 | 439 |
| Average total loans | $1,517,763,400 | 373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 4,775 |
| Cost of funding earning assets | 0.7427% | 659 |
| Net interest margin | 2.7692% | 5,409 |
| Noninterest income to average assets | 0.6244% | 2,551 |
| Noninterest expense to average assets | 2.3241% | 4,478 |
| Loan and lease loss provision to assets | 0.0880% | 2,469 |
| Net operating income to assets | 0.5702% | 4,416 |
| Return on assets (ROA) | 0.5925% | 4,432 |
| Pretax return on assets | 0.8097% | 4,278 |
| Return on Equity (ROE) | 6.2270% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.2270% | 2,049 |
| Net charge-offs to loans | 0.0374% | 2,879 |
| Credit loss provision to net charge-offs | 318.2464% | 987 |
| Earnings coverage of net charge-offs (x) | 31.3461% | 1,441 |
| Efficiency ratio | 72.8277% | 2,458 |
| Assets per employee ($millions) | 8.0215% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 5,032 |
| Loan loss allowance to noncurrent loans | 473.2743% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 4,721 |
| Noncurrent loans to loans | 0.1799% | 4,631 |
| Net loans and leases to total assets | 75.5039% | 1,610 |
| Net loans and leases to deposits | 99.6170% | 728 |
| Net loans and leases to core deposits | 108.3263% | 1,026 |
| Total domestic deposits to total assets | 75.7942% | 5,259 |
| Equity capital to assets | 9.6389% | 4,526 |
| Core capital (leverage) ratio | 10.0005% | 3,568 |
| Tier 1 risk-based capital ratio | 13.3274% | 3,966 |
| Total risk-based capital ratio | 14.1956% | 4,103 |
| Memoranda: | ||
| Average total assets | $2,033,959,500 | 392 |
| Average earning assets | $1,885,299,000 | 384 |
| Average equity | $193,539,250 | 445 |
| Average total loans | $1,503,162,000 | 372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 4,832 |
| Cost of funding earning assets | 0.7664% | 581 |
| Net interest margin | 2.7461% | 5,512 |
| Noninterest income to average assets | 0.6129% | 2,551 |
| Noninterest expense to average assets | 2.3481% | 4,475 |
| Loan and lease loss provision to assets | 0.1071% | 2,072 |
| Net operating income to assets | 0.5250% | 4,584 |
| Return on assets (ROA) | 0.5586% | 4,562 |
| Pretax return on assets | 0.7450% | 4,477 |
| Return on Equity (ROE) | 5.8963% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.8963% | 2,185 |
| Net charge-offs to loans | 0.0324% | 2,808 |
| Credit loss provision to net charge-offs | 451.6667% | 713 |
| Earnings coverage of net charge-offs (x) | 34.0542% | 1,288 |
| Efficiency ratio | 74.4154% | 2,304 |
| Assets per employee ($millions) | 8.1456% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 5,094 |
| Loan loss allowance to noncurrent loans | 474.4468% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,740 |
| Noncurrent loans to loans | 0.1816% | 4,705 |
| Net loans and leases to total assets | 74.5005% | 1,728 |
| Net loans and leases to deposits | 92.0049% | 1,514 |
| Net loans and leases to core deposits | 97.2679% | 1,864 |
| Total domestic deposits to total assets | 80.9745% | 4,286 |
| Equity capital to assets | 9.5463% | 4,719 |
| Core capital (leverage) ratio | 10.0228% | 3,538 |
| Tier 1 risk-based capital ratio | 13.2373% | 4,053 |
| Total risk-based capital ratio | 14.1091% | 4,192 |
| Memoranda: | ||
| Average total assets | $2,024,769,670 | 394 |
| Average earning assets | $1,874,677,670 | 387 |
| Average equity | $191,816,000 | 447 |
| Average total loans | $1,480,914,330 | 375 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 4,838 |
| Cost of funding earning assets | 0.7750% | 563 |
| Net interest margin | 2.7474% | 5,546 |
| Noninterest income to average assets | 0.5872% | 2,607 |
| Noninterest expense to average assets | 2.3595% | 4,491 |
| Loan and lease loss provision to assets | 0.1359% | 1,542 |
| Net operating income to assets | 0.4867% | 4,685 |
| Return on assets (ROA) | 0.5053% | 4,708 |
| Pretax return on assets | 0.6656% | 4,637 |
| Return on Equity (ROE) | 5.3545% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.3545% | 2,739 |
| Net charge-offs to loans | 0.0328% | 2,302 |
| Credit loss provision to net charge-offs | 573.9496% | 547 |
| Earnings coverage of net charge-offs (x) | 32.8235% | 1,132 |
| Efficiency ratio | 75.2267% | 2,292 |
| Assets per employee ($millions) | 8.1267% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,092 |
| Loan loss allowance to noncurrent loans | 524.5062% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 4,870 |
| Noncurrent loans to loans | 0.1697% | 4,808 |
| Net loans and leases to total assets | 71.5919% | 2,099 |
| Net loans and leases to deposits | 89.6394% | 1,617 |
| Net loans and leases to core deposits | 94.8745% | 1,900 |
| Total domestic deposits to total assets | 79.8666% | 4,772 |
| Equity capital to assets | 9.5050% | 4,666 |
| Core capital (leverage) ratio | 9.8578% | 3,713 |
| Tier 1 risk-based capital ratio | 13.5339% | 3,960 |
| Total risk-based capital ratio | 14.4200% | 4,081 |
| Memoranda: | ||
| Average total assets | $2,010,806,500 | 395 |
| Average earning assets | $1,865,775,000 | 389 |
| Average equity | $189,745,500 | 448 |
| Average total loans | $1,450,090,500 | 379 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,982 |
| Cost of funding earning assets | 0.7701% | 582 |
| Net interest margin | 2.7083% | 5,635 |
| Noninterest income to average assets | 0.5512% | 3,003 |
| Noninterest expense to average assets | 2.3607% | 4,616 |
| Loan and lease loss provision to assets | 0.0583% | 3,146 |
| Net operating income to assets | 0.4969% | 4,700 |
| Return on assets (ROA) | 0.5161% | 4,719 |
| Pretax return on assets | 0.6670% | 4,624 |
| Return on Equity (ROE) | 5.5679% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.5679% | 2,038 |
| Net charge-offs to loans | 0.0432% | 3,352 |
| Credit loss provision to net charge-offs | 197.2789% | 1,418 |
| Earnings coverage of net charge-offs (x) | 23.6956% | 1,717 |
| Efficiency ratio | 77.1219% | 2,100 |
| Assets per employee ($millions) | 7.8356% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 5,213 |
| Loan loss allowance to noncurrent loans | 466.6042% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 4,908 |
| Noncurrent loans to loans | 0.1855% | 4,742 |
| Net loans and leases to total assets | 71.3702% | 2,152 |
| Net loans and leases to deposits | 89.4183% | 1,695 |
| Net loans and leases to core deposits | 94.9098% | 1,955 |
| Total domestic deposits to total assets | 79.8161% | 4,791 |
| Equity capital to assets | 9.3667% | 4,712 |
| Core capital (leverage) ratio | 9.8597% | 3,702 |
| Tier 1 risk-based capital ratio | 13.8144% | 3,820 |
| Total risk-based capital ratio | 14.6909% | 3,977 |
| Memoranda: | ||
| Average total assets | $1,989,577,400 | 382 |
| Average earning assets | $1,843,767,200 | 376 |
| Average equity | $184,432,200 | 443 |
| Average total loans | $1,362,568,400 | 374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 5,041 |
| Cost of funding earning assets | 0.7703% | 592 |
| Net interest margin | 2.7020% | 5,722 |
| Noninterest income to average assets | 0.5689% | 2,923 |
| Noninterest expense to average assets | 2.3681% | 4,598 |
| Loan and lease loss provision to assets | 0.0549% | 3,096 |
| Net operating income to assets | 0.5015% | 4,780 |
| Return on assets (ROA) | 0.5253% | 4,788 |
| Pretax return on assets | 0.6802% | 4,751 |
| Return on Equity (ROE) | 5.6814% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,457 |
| Net charge-offs to loans | 0.0393% | 3,107 |
| Credit loss provision to net charge-offs | 206.8182% | 1,301 |
| Earnings coverage of net charge-offs (x) | 26.5099% | 1,610 |
| Efficiency ratio | 77.0771% | 2,077 |
| Assets per employee ($millions) | 8.1765% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 5,301 |
| Loan loss allowance to noncurrent loans | 433.4038% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 4,919 |
| Noncurrent loans to loans | 0.2008% | 4,843 |
| Net loans and leases to total assets | 68.8143% | 2,561 |
| Net loans and leases to deposits | 89.6271% | 1,698 |
| Net loans and leases to core deposits | 93.8620% | 2,089 |
| Total domestic deposits to total assets | 76.7784% | 5,382 |
| Equity capital to assets | 9.2254% | 5,088 |
| Core capital (leverage) ratio | 9.5560% | 4,228 |
| Tier 1 risk-based capital ratio | 13.2902% | 4,262 |
| Total risk-based capital ratio | 14.1339% | 4,419 |
| Memoranda: | ||
| Average total assets | $1,987,455,250 | 384 |
| Average earning assets | $1,841,422,500 | 380 |
| Average equity | $183,752,000 | 449 |
| Average total loans | $1,343,592,500 | 381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 5,037 |
| Cost of funding earning assets | 0.7732% | 571 |
| Net interest margin | 2.7090% | 5,753 |
| Noninterest income to average assets | 0.5686% | 2,914 |
| Noninterest expense to average assets | 2.4018% | 4,542 |
| Loan and lease loss provision to assets | 0.0271% | 3,595 |
| Net operating income to assets | 0.4978% | 4,777 |
| Return on assets (ROA) | 0.5317% | 4,752 |
| Pretax return on assets | 0.6899% | 4,686 |
| Return on Equity (ROE) | 5.7469% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.7469% | 2,385 |
| Net charge-offs to loans | 0.0332% | 3,002 |
| Credit loss provision to net charge-offs | 121.9178% | 1,776 |
| Earnings coverage of net charge-offs (x) | 30.2831% | 1,357 |
| Efficiency ratio | 78.1158% | 2,051 |
| Assets per employee ($millions) | 7.9152% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 5,378 |
| Loan loss allowance to noncurrent loans | 339.9373% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 4,913 |
| Noncurrent loans to loans | 0.2585% | 4,754 |
| Net loans and leases to total assets | 66.9178% | 2,799 |
| Net loans and leases to deposits | 82.2122% | 2,527 |
| Net loans and leases to core deposits | 85.9641% | 2,769 |
| Total domestic deposits to total assets | 81.3965% | 4,485 |
| Equity capital to assets | 9.1222% | 5,117 |
| Core capital (leverage) ratio | 9.6105% | 4,125 |
| Tier 1 risk-based capital ratio | 13.4187% | 4,265 |
| Total risk-based capital ratio | 14.2558% | 4,430 |
| Memoranda: | ||
| Average total assets | $1,971,290,670 | 386 |
| Average earning assets | $1,823,599,000 | 383 |
| Average equity | $182,394,330 | 454 |
| Average total loans | $1,320,348,670 | 387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 4,909 |
| Cost of funding earning assets | 0.7722% | 581 |
| Net interest margin | 2.7478% | 5,743 |
| Noninterest income to average assets | 0.5482% | 2,958 |
| Noninterest expense to average assets | 2.4590% | 4,413 |
| Loan and lease loss provision to assets | 0.0146% | 3,536 |
| Net operating income to assets | 0.4850% | 4,746 |
| Return on assets (ROA) | 0.5124% | 4,740 |
| Pretax return on assets | 0.6503% | 4,764 |
| Return on Equity (ROE) | 5.4978% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.4978% | 2,780 |
| Net charge-offs to loans | 0.0286% | 2,609 |
| Credit loss provision to net charge-offs | 76.3441% | 1,866 |
| Earnings coverage of net charge-offs (x) | 33.0645% | 1,087 |
| Efficiency ratio | 79.5993% | 1,942 |
| Assets per employee ($millions) | 7.8452% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 5,433 |
| Loan loss allowance to noncurrent loans | 608.2606% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 5,291 |
| Noncurrent loans to loans | 0.1485% | 5,240 |
| Net loans and leases to total assets | 65.5051% | 2,850 |
| Net loans and leases to deposits | 81.4662% | 2,390 |
| Net loans and leases to core deposits | 85.2719% | 2,620 |
| Total domestic deposits to total assets | 80.4077% | 4,959 |
| Equity capital to assets | 9.2075% | 5,078 |
| Core capital (leverage) ratio | 9.7302% | 3,980 |
| Tier 1 risk-based capital ratio | 13.4911% | 4,324 |
| Total risk-based capital ratio | 14.3399% | 4,479 |
| Memoranda: | ||
| Average total assets | $1,951,703,000 | 389 |
| Average earning assets | $1,804,770,000 | 385 |
| Average equity | $181,892,500 | 456 |
| Average total loans | $1,301,880,500 | 387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,883 |
| Cost of funding earning assets | 0.8132% | 611 |
| Net interest margin | 2.8546% | 5,725 |
| Noninterest income to average assets | 0.5449% | 3,202 |
| Noninterest expense to average assets | 2.4204% | 4,789 |
| Loan and lease loss provision to assets | 0.0679% | 3,126 |
| Net operating income to assets | 0.5554% | 4,579 |
| Return on assets (ROA) | 0.5841% | 4,528 |
| Pretax return on assets | 0.7332% | 4,498 |
| Return on Equity (ROE) | 6.3127% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.3127% | 1,750 |
| Net charge-offs to loans | 0.1762% | 2,262 |
| Credit loss provision to net charge-offs | 59.2941% | 3,301 |
| Earnings coverage of net charge-offs (x) | 6.6809% | 3,155 |
| Efficiency ratio | 75.9776% | 2,514 |
| Assets per employee ($millions) | 7.5833% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,407 |
| Loan loss allowance to noncurrent loans | 422.0682% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,187 |
| Noncurrent loans to loans | 0.2178% | 5,038 |
| Net loans and leases to total assets | 66.7090% | 2,766 |
| Net loans and leases to deposits | 82.4368% | 2,416 |
| Net loans and leases to core deposits | 86.8369% | 2,618 |
| Total domestic deposits to total assets | 80.9214% | 4,765 |
| Equity capital to assets | 9.4358% | 4,799 |
| Core capital (leverage) ratio | 9.8416% | 3,781 |
| Tier 1 risk-based capital ratio | 13.6947% | 4,301 |
| Total risk-based capital ratio | 14.5695% | 4,459 |
| Memoranda: | ||
| Average total assets | $1,855,150,000 | 395 |
| Average earning assets | $1,716,207,200 | 384 |
| Average equity | $171,654,800 | 463 |
| Average total loans | $1,205,831,800 | 390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 4,908 |
| Cost of funding earning assets | 0.8182% | 629 |
| Net interest margin | 2.8650% | 5,770 |
| Noninterest income to average assets | 0.5280% | 3,336 |
| Noninterest expense to average assets | 2.3803% | 4,884 |
| Loan and lease loss provision to assets | 0.0592% | 3,185 |
| Net operating income to assets | 0.5712% | 4,589 |
| Return on assets (ROA) | 0.5988% | 4,537 |
| Pretax return on assets | 0.7737% | 4,459 |
| Return on Equity (ROE) | 6.5047% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.5047% | 2,100 |
| Net charge-offs to loans | 0.2227% | 1,708 |
| Credit loss provision to net charge-offs | 41.2538% | 3,270 |
| Earnings coverage of net charge-offs (x) | 5.5586% | 3,237 |
| Efficiency ratio | 74.9150% | 2,675 |
| Assets per employee ($millions) | 7.4803% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 5,439 |
| Loan loss allowance to noncurrent loans | 425.7353% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 5,363 |
| Noncurrent loans to loans | 0.2225% | 5,232 |
| Net loans and leases to total assets | 65.8096% | 2,901 |
| Net loans and leases to deposits | 83.4041% | 2,239 |
| Net loans and leases to core deposits | 88.0998% | 2,415 |
| Total domestic deposits to total assets | 78.9044% | 5,348 |
| Equity capital to assets | 9.5347% | 4,750 |
| Core capital (leverage) ratio | 9.8939% | 3,826 |
| Tier 1 risk-based capital ratio | 14.0437% | 4,179 |
| Total risk-based capital ratio | 14.9306% | 4,368 |
| Memoranda: | ||
| Average total assets | $1,839,295,500 | 395 |
| Average earning assets | $1,700,804,000 | 381 |
| Average equity | $169,310,500 | 462 |
| Average total loans | $1,184,356,000 | 391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 4,936 |
| Cost of funding earning assets | 0.8175% | 651 |
| Net interest margin | 2.8559% | 5,807 |
| Noninterest income to average assets | 0.5023% | 3,469 |
| Noninterest expense to average assets | 2.3657% | 4,982 |
| Loan and lease loss provision to assets | 0.0452% | 3,414 |
| Net operating income to assets | 0.5660% | 4,517 |
| Return on assets (ROA) | 0.5914% | 4,491 |
| Pretax return on assets | 0.7623% | 4,410 |
| Return on Equity (ROE) | 6.5024% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.5024% | 2,035 |
| Net charge-offs to loans | 0.3001% | 1,343 |
| Credit loss provision to net charge-offs | 23.6633% | 3,138 |
| Earnings coverage of net charge-offs (x) | 4.0529% | 3,181 |
| Efficiency ratio | 75.3272% | 2,750 |
| Assets per employee ($millions) | 7.5599% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 5,536 |
| Loan loss allowance to noncurrent loans | 423.0056% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 5,495 |
| Noncurrent loans to loans | 0.2262% | 5,323 |
| Net loans and leases to total assets | 63.4371% | 3,172 |
| Net loans and leases to deposits | 78.6110% | 2,721 |
| Net loans and leases to core deposits | 81.7922% | 2,994 |
| Total domestic deposits to total assets | 80.6974% | 5,067 |
| Equity capital to assets | 9.3486% | 4,923 |
| Core capital (leverage) ratio | 9.8155% | 3,866 |
| Tier 1 risk-based capital ratio | 14.0978% | 4,198 |
| Total risk-based capital ratio | 14.9880% | 4,370 |
| Memoranda: | ||
| Average total assets | $1,839,006,000 | 389 |
| Average earning assets | $1,698,897,670 | 379 |
| Average equity | $167,262,330 | 465 |
| Average total loans | $1,171,613,330 | 392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,896 |
| Cost of funding earning assets | 0.8203% | 669 |
| Net interest margin | 2.8656% | 5,817 |
| Noninterest income to average assets | 0.4834% | 3,540 |
| Noninterest expense to average assets | 2.3777% | 4,988 |
| Loan and lease loss provision to assets | 0.0157% | 3,622 |
| Net operating income to assets | 0.5556% | 4,430 |
| Return on assets (ROA) | 0.6088% | 4,237 |
| Pretax return on assets | 0.8030% | 4,098 |
| Return on Equity (ROE) | 6.7893% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.7893% | 2,151 |
| Net charge-offs to loans | 0.5677% | 652 |
| Credit loss provision to net charge-offs | 4.3663% | 2,652 |
| Earnings coverage of net charge-offs (x) | 2.0758% | 2,957 |
| Efficiency ratio | 76.0512% | 2,798 |
| Assets per employee ($millions) | 7.4690% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 5,655 |
| Loan loss allowance to noncurrent loans | 644.6305% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 5,762 |
| Noncurrent loans to loans | 0.1493% | 5,638 |
| Net loans and leases to total assets | 62.7964% | 3,106 |
| Net loans and leases to deposits | 77.8832% | 2,573 |
| Net loans and leases to core deposits | 81.2159% | 2,826 |
| Total domestic deposits to total assets | 80.6290% | 5,341 |
| Equity capital to assets | 9.1447% | 4,948 |
| Core capital (leverage) ratio | 9.7173% | 3,974 |
| Tier 1 risk-based capital ratio | 14.1480% | 4,227 |
| Total risk-based capital ratio | 15.0361% | 4,436 |
| Memoranda: | ||
| Average total assets | $1,828,640,000 | 392 |
| Average earning assets | $1,686,637,000 | 384 |
| Average equity | $163,964,000 | 471 |
| Average total loans | $1,161,838,500 | 393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 5,274 |
| Cost of funding earning assets | 0.8785% | 825 |
| Net interest margin | 2.7727% | 6,024 |
| Noninterest income to average assets | 0.6571% | 2,771 |
| Noninterest expense to average assets | 2.4030% | 5,064 |
| Loan and lease loss provision to assets | 0.1625% | 2,246 |
| Net operating income to assets | 0.5127% | 4,675 |
| Return on assets (ROA) | 0.5834% | 4,454 |
| Pretax return on assets | 0.7434% | 4,364 |
| Return on Equity (ROE) | 6.3706% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.3706% | 1,760 |
| Net charge-offs to loans | 0.0485% | 4,547 |
| Credit loss provision to net charge-offs | 550.9434% | 424 |
| Earnings coverage of net charge-offs (x) | 27.6415% | 1,267 |
| Efficiency ratio | 74.6676% | 3,017 |
| Assets per employee ($millions) | 7.4893% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,175 |
| Loan loss allowance to noncurrent loans | 246.9380% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 5,408 |
| Noncurrent loans to loans | 0.4435% | 4,892 |
| Net loans and leases to total assets | 62.9676% | 3,207 |
| Net loans and leases to deposits | 80.4248% | 2,396 |
| Net loans and leases to core deposits | 83.9907% | 2,677 |
| Total domestic deposits to total assets | 78.2938% | 5,780 |
| Equity capital to assets | 8.7880% | 5,274 |
| Core capital (leverage) ratio | 9.5736% | 4,147 |
| Tier 1 risk-based capital ratio | 13.7957% | 4,443 |
| Total risk-based capital ratio | 14.8004% | 4,566 |
| Memoranda: | ||
| Average total assets | $1,796,970,200 | 384 |
| Average earning assets | $1,659,863,600 | 375 |
| Average equity | $164,553,600 | 455 |
| Average total loans | $1,093,625,400 | 399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 5,419 |
| Cost of funding earning assets | 0.8858% | 877 |
| Net interest margin | 2.7228% | 6,136 |
| Noninterest income to average assets | 0.6880% | 2,676 |
| Noninterest expense to average assets | 2.3725% | 5,109 |
| Loan and lease loss provision to assets | 0.1177% | 2,825 |
| Net operating income to assets | 0.5448% | 4,604 |
| Return on assets (ROA) | 0.6343% | 4,321 |
| Pretax return on assets | 0.8325% | 4,177 |
| Return on Equity (ROE) | 6.8564% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.8564% | 1,942 |
| Net charge-offs to loans | 0.0182% | 4,765 |
| Credit loss provision to net charge-offs | 1,074.8299% | 287 |
| Earnings coverage of net charge-offs (x) | 75.9981% | 622 |
| Efficiency ratio | 74.0265% | 3,065 |
| Assets per employee ($millions) | 7.5372% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 5,634 |
| Loan loss allowance to noncurrent loans | 342.6868% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,851 |
| Noncurrent loans to loans | 0.2975% | 5,486 |
| Net loans and leases to total assets | 61.9634% | 3,369 |
| Net loans and leases to deposits | 80.8560% | 2,281 |
| Net loans and leases to core deposits | 84.5571% | 2,591 |
| Total domestic deposits to total assets | 76.6342% | 6,098 |
| Equity capital to assets | 8.7101% | 5,508 |
| Core capital (leverage) ratio | 9.5415% | 4,346 |
| Tier 1 risk-based capital ratio | 13.7201% | 4,621 |
| Total risk-based capital ratio | 14.6547% | 4,774 |
| Memoranda: | ||
| Average total assets | $1,789,368,500 | 386 |
| Average earning assets | $1,654,165,250 | 381 |
| Average equity | $165,544,750 | 455 |
| Average total loans | $1,076,182,250 | 406 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 5,521 |
| Cost of funding earning assets | 0.8927% | 932 |
| Net interest margin | 2.6787% | 6,211 |
| Noninterest income to average assets | 0.7504% | 2,411 |
| Noninterest expense to average assets | 2.3933% | 5,077 |
| Loan and lease loss provision to assets | 0.0695% | 3,646 |
| Net operating income to assets | 0.5740% | 4,424 |
| Return on assets (ROA) | 0.6638% | 4,152 |
| Pretax return on assets | 0.8847% | 3,971 |
| Return on Equity (ROE) | 7.0324% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.0324% | 1,880 |
| Net charge-offs to loans | 0.0171% | 4,498 |
| Credit loss provision to net charge-offs | 683.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 82.0667% | 550 |
| Efficiency ratio | 74.1477% | 3,096 |
| Assets per employee ($millions) | 7.5324% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,801 |
| Loan loss allowance to noncurrent loans | 279.8302% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 5,818 |
| Noncurrent loans to loans | 0.3589% | 5,380 |
| Net loans and leases to total assets | 59.0636% | 3,818 |
| Net loans and leases to deposits | 72.9886% | 3,308 |
| Net loans and leases to core deposits | 76.3101% | 3,510 |
| Total domestic deposits to total assets | 80.9217% | 5,358 |
| Equity capital to assets | 8.8782% | 5,354 |
| Core capital (leverage) ratio | 9.6024% | 4,075 |
| Tier 1 risk-based capital ratio | 14.3011% | 4,226 |
| Total risk-based capital ratio | 15.2142% | 4,409 |
| Memoranda: | ||
| Average total assets | $1,770,285,000 | 390 |
| Average earning assets | $1,637,188,670 | 384 |
| Average equity | $167,112,330 | 452 |
| Average total loans | $1,049,572,330 | 411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 5,545 |
| Cost of funding earning assets | 0.9000% | 989 |
| Net interest margin | 2.6641% | 6,280 |
| Noninterest income to average assets | 0.8987% | 1,760 |
| Noninterest expense to average assets | 2.4225% | 5,047 |
| Loan and lease loss provision to assets | 0.0611% | 3,620 |
| Net operating income to assets | 0.6450% | 3,991 |
| Return on assets (ROA) | 0.7040% | 3,807 |
| Pretax return on assets | 0.9592% | 3,529 |
| Return on Equity (ROE) | 7.2340% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.2340% | 2,056 |
| Net charge-offs to loans | 0.0236% | 3,706 |
| Credit loss provision to net charge-offs | 437.7049% | 600 |
| Earnings coverage of net charge-offs (x) | 67.2951% | 531 |
| Efficiency ratio | 72.0558% | 3,605 |
| Assets per employee ($millions) | 7.2441% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 5,934 |
| Loan loss allowance to noncurrent loans | 273.9491% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,860 |
| Noncurrent loans to loans | 0.3706% | 5,474 |
| Net loans and leases to total assets | 58.2412% | 3,751 |
| Net loans and leases to deposits | 72.9628% | 3,059 |
| Net loans and leases to core deposits | 76.4112% | 3,261 |
| Total domestic deposits to total assets | 79.8232% | 5,791 |
| Equity capital to assets | 9.6673% | 4,613 |
| Core capital (leverage) ratio | 9.7212% | 3,765 |
| Tier 1 risk-based capital ratio | 14.5965% | 4,107 |
| Total risk-based capital ratio | 15.5163% | 4,285 |
| Memoranda: | ||
| Average total assets | $1,747,774,500 | 401 |
| Average earning assets | $1,616,016,500 | 393 |
| Average equity | $170,085,500 | 450 |
| Average total loans | $1,032,827,500 | 417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 5,366 |
| Cost of funding earning assets | 1.0614% | 1,068 |
| Net interest margin | 2.9224% | 6,186 |
| Noninterest income to average assets | 0.4782% | 4,047 |
| Noninterest expense to average assets | 2.3917% | 5,425 |
| Loan and lease loss provision to assets | 0.2352% | 2,782 |
| Net operating income to assets | 0.4123% | 5,048 |
| Return on assets (ROA) | 0.6517% | 4,245 |
| Pretax return on assets | 0.8602% | 4,067 |
| Return on Equity (ROE) | 6.6461% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.6461% | 1,745 |
| Net charge-offs to loans | 0.3767% | 2,752 |
| Credit loss provision to net charge-offs | 105.3090% | 2,828 |
| Earnings coverage of net charge-offs (x) | 3.4942% | 3,705 |
| Efficiency ratio | 75.4007% | 2,846 |
| Assets per employee ($millions) | 7.3220% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 5,929 |
| Loan loss allowance to noncurrent loans | 283.9276% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 5,599 |
| Noncurrent loans to loans | 0.3555% | 5,597 |
| Net loans and leases to total assets | 58.7560% | 3,845 |
| Net loans and leases to deposits | 74.0802% | 3,076 |
| Net loans and leases to core deposits | 78.1826% | 3,233 |
| Total domestic deposits to total assets | 79.3141% | 5,821 |
| Equity capital to assets | 9.7973% | 4,451 |
| Core capital (leverage) ratio | 9.8462% | 3,610 |
| Tier 1 risk-based capital ratio | 14.6845% | 3,904 |
| Total risk-based capital ratio | 15.6087% | 4,083 |
| Memoranda: | ||
| Average total assets | $1,695,393,200 | 406 |
| Average earning assets | $1,562,774,000 | 396 |
| Average equity | $166,248,200 | 452 |
| Average total loans | $1,004,973,400 | 422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 5,214 |
| Cost of funding earning assets | 1.0928% | 1,091 |
| Net interest margin | 2.9995% | 6,173 |
| Noninterest income to average assets | 0.5724% | 3,456 |
| Noninterest expense to average assets | 2.3581% | 5,522 |
| Loan and lease loss provision to assets | 0.2320% | 2,720 |
| Net operating income to assets | 0.5515% | 4,617 |
| Return on assets (ROA) | 0.7399% | 3,989 |
| Pretax return on assets | 1.0016% | 3,700 |
| Return on Equity (ROE) | 7.5436% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.5436% | 1,831 |
| Net charge-offs to loans | 0.2414% | 3,273 |
| Credit loss provision to net charge-offs | 162.2099% | 1,714 |
| Earnings coverage of net charge-offs (x) | 6.8453% | 2,701 |
| Efficiency ratio | 70.6614% | 3,562 |
| Assets per employee ($millions) | 7.2641% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,665 |
| Loan loss allowance to noncurrent loans | 235.3297% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 5,529 |
| Noncurrent loans to loans | 0.4733% | 5,504 |
| Net loans and leases to total assets | 58.8954% | 3,976 |
| Net loans and leases to deposits | 76.4578% | 2,916 |
| Net loans and leases to core deposits | 80.4977% | 3,141 |
| Total domestic deposits to total assets | 77.0299% | 6,225 |
| Equity capital to assets | 10.0509% | 4,421 |
| Core capital (leverage) ratio | 9.6657% | 4,023 |
| Tier 1 risk-based capital ratio | 14.6163% | 4,105 |
| Total risk-based capital ratio | 15.6289% | 4,247 |
| Memoranda: | ||
| Average total assets | $1,687,246,000 | 406 |
| Average earning assets | $1,555,248,000 | 396 |
| Average equity | $165,486,500 | 450 |
| Average total loans | $999,805,500 | 424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 4,938 |
| Cost of funding earning assets | 1.1188% | 1,134 |
| Net interest margin | 3.0854% | 6,047 |
| Noninterest income to average assets | 0.4069% | 4,597 |
| Noninterest expense to average assets | 2.3815% | 5,520 |
| Loan and lease loss provision to assets | 0.3024% | 2,173 |
| Net operating income to assets | 0.4185% | 5,155 |
| Return on assets (ROA) | 0.7017% | 4,125 |
| Pretax return on assets | 0.9492% | 3,887 |
| Return on Equity (ROE) | 7.2144% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.2144% | 1,997 |
| Net charge-offs to loans | 0.3511% | 2,613 |
| Credit loss provision to net charge-offs | 145.5950% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.1831% | 3,153 |
| Efficiency ratio | 73.2680% | 3,199 |
| Assets per employee ($millions) | 7.3425% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 5,829 |
| Loan loss allowance to noncurrent loans | 208.0973% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 5,525 |
| Noncurrent loans to loans | 0.5228% | 5,477 |
| Net loans and leases to total assets | 57.4363% | 4,255 |
| Net loans and leases to deposits | 73.7307% | 3,334 |
| Net loans and leases to core deposits | 77.7627% | 3,553 |
| Total domestic deposits to total assets | 77.9002% | 6,175 |
| Equity capital to assets | 9.5835% | 4,933 |
| Core capital (leverage) ratio | 9.6053% | 3,992 |
| Tier 1 risk-based capital ratio | 14.4051% | 4,174 |
| Total risk-based capital ratio | 15.3950% | 4,314 |
| Memoranda: | ||
| Average total assets | $1,683,058,000 | 406 |
| Average earning assets | $1,551,091,000 | 394 |
| Average equity | $163,699,670 | 452 |
| Average total loans | $995,611,670 | 422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 4,557 |
| Cost of funding earning assets | 1.2003% | 986 |
| Net interest margin | 3.1409% | 5,931 |
| Noninterest income to average assets | 0.4311% | 4,447 |
| Noninterest expense to average assets | 2.4084% | 5,443 |
| Loan and lease loss provision to assets | 0.3440% | 1,815 |
| Net operating income to assets | 0.4174% | 5,183 |
| Return on assets (ROA) | 0.7396% | 3,917 |
| Pretax return on assets | 1.0124% | 3,636 |
| Return on Equity (ROE) | 7.5463% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.5463% | 2,153 |
| Net charge-offs to loans | 0.0178% | 4,438 |
| Credit loss provision to net charge-offs | 3,240.9091% | 84 |
| Earnings coverage of net charge-offs (x) | 86.2045% | 397 |
| Efficiency ratio | 72.4686% | 3,349 |
| Assets per employee ($millions) | 7.1077% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 5,667 |
| Loan loss allowance to noncurrent loans | 249.7401% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 5,731 |
| Noncurrent loans to loans | 0.4650% | 5,747 |
| Net loans and leases to total assets | 59.0146% | 3,853 |
| Net loans and leases to deposits | 76.3504% | 2,743 |
| Net loans and leases to core deposits | 81.2818% | 2,920 |
| Total domestic deposits to total assets | 77.2944% | 6,354 |
| Equity capital to assets | 9.7963% | 4,378 |
| Core capital (leverage) ratio | 9.4765% | 4,087 |
| Tier 1 risk-based capital ratio | 14.2929% | 4,243 |
| Total risk-based capital ratio | 15.3464% | 4,370 |
| Memoranda: | ||
| Average total assets | $1,658,167,000 | 410 |
| Average earning assets | $1,526,950,000 | 400 |
| Average equity | $162,516,000 | 451 |
| Average total loans | $990,303,500 | 421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 5,377 |
| Cost of funding earning assets | 1.3871% | 1,093 |
| Net interest margin | 3.0241% | 6,492 |
| Noninterest income to average assets | 0.6430% | 2,931 |
| Noninterest expense to average assets | 2.3477% | 5,914 |
| Loan and lease loss provision to assets | 0.1582% | 4,655 |
| Net operating income to assets | 0.6789% | 3,585 |
| Return on assets (ROA) | 0.7048% | 3,647 |
| Pretax return on assets | 0.9548% | 3,412 |
| Return on Equity (ROE) | 7.5537% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.5537% | 1,252 |
| Net charge-offs to loans | 0.3456% | 3,673 |
| Credit loss provision to net charge-offs | 76.5593% | 4,618 |
| Earnings coverage of net charge-offs (x) | 5.2170% | 2,863 |
| Efficiency ratio | 68.5328% | 4,247 |
| Assets per employee ($millions) | 7.1565% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 6,079 |
| Loan loss allowance to noncurrent loans | 217.3196% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 5,834 |
| Noncurrent loans to loans | 0.4730% | 5,764 |
| Net loans and leases to total assets | 59.1236% | 4,174 |
| Net loans and leases to deposits | 79.8404% | 2,550 |
| Net loans and leases to core deposits | 83.8501% | 2,912 |
| Total domestic deposits to total assets | 74.0523% | 6,709 |
| Equity capital to assets | 9.8056% | 4,438 |
| Core capital (leverage) ratio | 9.3453% | 4,259 |
| Tier 1 risk-based capital ratio | 14.0827% | 4,269 |
| Total risk-based capital ratio | 15.0146% | 4,470 |
| Memoranda: | ||
| Average total assets | $1,637,284,800 | 403 |
| Average earning assets | $1,506,559,200 | 389 |
| Average equity | $152,772,800 | 460 |
| Average total loans | $978,848,200 | 430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 5,452 |
| Cost of funding earning assets | 1.4132% | 1,173 |
| Net interest margin | 3.0297% | 6,523 |
| Noninterest income to average assets | 0.6522% | 2,862 |
| Noninterest expense to average assets | 2.3111% | 6,000 |
| Loan and lease loss provision to assets | 0.1675% | 4,377 |
| Net operating income to assets | 0.6958% | 3,644 |
| Return on assets (ROA) | 0.7544% | 3,529 |
| Pretax return on assets | 1.0424% | 3,240 |
| Return on Equity (ROE) | 8.1908% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.1908% | 1,432 |
| Net charge-offs to loans | 0.4381% | 2,972 |
| Credit loss provision to net charge-offs | 63.9452% | 4,673 |
| Earnings coverage of net charge-offs (x) | 4.3082% | 3,112 |
| Efficiency ratio | 67.1904% | 4,485 |
| Assets per employee ($millions) | 7.3346% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 6,146 |
| Loan loss allowance to noncurrent loans | 241.8335% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 6,041 |
| Noncurrent loans to loans | 0.4235% | 5,993 |
| Net loans and leases to total assets | 57.3088% | 4,623 |
| Net loans and leases to deposits | 79.5223% | 2,716 |
| Net loans and leases to core deposits | 84.2149% | 3,033 |
| Total domestic deposits to total assets | 72.0664% | 6,929 |
| Equity capital to assets | 9.7311% | 4,729 |
| Core capital (leverage) ratio | 9.0817% | 4,809 |
| Tier 1 risk-based capital ratio | 14.0981% | 4,283 |
| Total risk-based capital ratio | 15.0112% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,633,321,000 | 406 |
| Average earning assets | $1,502,711,750 | 393 |
| Average equity | $150,441,000 | 470 |
| Average total loans | $976,673,500 | 431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 5,621 |
| Cost of funding earning assets | 1.4310% | 1,273 |
| Net interest margin | 2.9889% | 6,627 |
| Noninterest income to average assets | 0.6678% | 2,728 |
| Noninterest expense to average assets | 2.3007% | 6,127 |
| Loan and lease loss provision to assets | 0.2288% | 3,625 |
| Net operating income to assets | 0.6465% | 3,815 |
| Return on assets (ROA) | 0.7359% | 3,480 |
| Pretax return on assets | 1.0084% | 3,207 |
| Return on Equity (ROE) | 8.1451% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.1451% | 1,410 |
| Net charge-offs to loans | 0.5863% | 2,352 |
| Credit loss provision to net charge-offs | 64.5631% | 4,221 |
| Earnings coverage of net charge-offs (x) | 3.1456% | 3,285 |
| Efficiency ratio | 67.3622% | 4,635 |
| Assets per employee ($millions) | 7.5597% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 6,222 |
| Loan loss allowance to noncurrent loans | 278.2389% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 6,168 |
| Noncurrent loans to loans | 0.3696% | 6,168 |
| Net loans and leases to total assets | 57.1565% | 4,795 |
| Net loans and leases to deposits | 79.4397% | 2,904 |
| Net loans and leases to core deposits | 84.1666% | 3,187 |
| Total domestic deposits to total assets | 71.9495% | 7,006 |
| Equity capital to assets | 9.0497% | 5,506 |
| Core capital (leverage) ratio | 8.9621% | 4,782 |
| Tier 1 risk-based capital ratio | 13.7182% | 4,367 |
| Total risk-based capital ratio | 14.6388% | 4,606 |
| Memoranda: | ||
| Average total assets | $1,627,663,330 | 413 |
| Average earning assets | $1,496,282,000 | 402 |
| Average equity | $147,057,670 | 483 |
| Average total loans | $983,714,330 | 439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 5,755 |
| Cost of funding earning assets | 1.4677% | 1,305 |
| Net interest margin | 2.9136% | 6,735 |
| Noninterest income to average assets | 0.6709% | 2,723 |
| Noninterest expense to average assets | 2.2284% | 6,363 |
| Loan and lease loss provision to assets | 0.1360% | 4,307 |
| Net operating income to assets | 0.7024% | 3,510 |
| Return on assets (ROA) | 0.8520% | 2,833 |
| Pretax return on assets | 1.1924% | 2,398 |
| Return on Equity (ROE) | 9.4379% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.4379% | 1,251 |
| Net charge-offs to loans | -0.0129% | 6,440 |
| Credit loss provision to net charge-offs | -1,706.2500% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5972% | 4,926 |
| Assets per employee ($millions) | 7.3811% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,714 |
| Loan loss allowance to noncurrent loans | 103.1141% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 5,212 |
| Noncurrent loans to loans | 1.1453% | 4,786 |
| Net loans and leases to total assets | 59.3760% | 4,392 |
| Net loans and leases to deposits | 81.7283% | 2,410 |
| Net loans and leases to core deposits | 85.9981% | 2,873 |
| Total domestic deposits to total assets | 72.6504% | 7,027 |
| Equity capital to assets | 9.0155% | 5,183 |
| Core capital (leverage) ratio | 9.0692% | 4,498 |
| Tier 1 risk-based capital ratio | 13.4210% | 4,485 |
| Total risk-based capital ratio | 14.4856% | 4,611 |
| Memoranda: | ||
| Average total assets | $1,606,144,000 | 424 |
| Average earning assets | $1,474,723,000 | 414 |
| Average equity | $144,990,000 | 484 |
| Average total loans | $993,153,500 | 441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 6,128 |
| Cost of funding earning assets | 1.7164% | 1,520 |
| Net interest margin | 2.8787% | 6,926 |
| Noninterest income to average assets | 0.5131% | 4,070 |
| Noninterest expense to average assets | 2.3850% | 6,124 |
| Loan and lease loss provision to assets | 0.1289% | 5,877 |
| Net operating income to assets | 0.5048% | 4,076 |
| Return on assets (ROA) | 0.5525% | 4,033 |
| Pretax return on assets | 0.7076% | 3,950 |
| Return on Equity (ROE) | 6.1584% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.1584% | 1,743 |
| Net charge-offs to loans | 0.0652% | 6,142 |
| Credit loss provision to net charge-offs | 305.1437% | 871 |
| Earnings coverage of net charge-offs (x) | 18.3601% | 1,105 |
| Efficiency ratio | 75.4675% | 3,124 |
| Assets per employee ($millions) | 7.2202% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 6,011 |
| Loan loss allowance to noncurrent loans | 130.0226% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 5,606 |
| Noncurrent loans to loans | 0.8329% | 5,386 |
| Net loans and leases to total assets | 62.9337% | 4,086 |
| Net loans and leases to deposits | 87.9669% | 1,795 |
| Net loans and leases to core deposits | 92.8728% | 2,400 |
| Total domestic deposits to total assets | 71.5424% | 7,129 |
| Equity capital to assets | 9.0392% | 5,085 |
| Core capital (leverage) ratio | 8.9417% | 4,632 |
| Tier 1 risk-based capital ratio | 13.2426% | 4,416 |
| Total risk-based capital ratio | 14.2641% | 4,551 |
| Memoranda: | ||
| Average total assets | $1,565,319,800 | 440 |
| Average earning assets | $1,439,455,400 | 425 |
| Average equity | $140,425,000 | 490 |
| Average total loans | $1,014,216,800 | 440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 6,247 |
| Cost of funding earning assets | 1.7593% | 1,591 |
| Net interest margin | 2.8742% | 7,045 |
| Noninterest income to average assets | 0.5990% | 3,441 |
| Noninterest expense to average assets | 2.3903% | 6,063 |
| Loan and lease loss provision to assets | 0.0623% | 6,441 |
| Net operating income to assets | 0.5829% | 3,945 |
| Return on assets (ROA) | 0.6434% | 3,851 |
| Pretax return on assets | 0.8728% | 3,654 |
| Return on Equity (ROE) | 7.1862% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.1862% | 1,760 |
| Net charge-offs to loans | -0.0163% | 7,328 |
| Credit loss provision to net charge-offs | -587.9032% | 7,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6927% | 3,382 |
| Assets per employee ($millions) | 7.2404% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,272 |
| Loan loss allowance to noncurrent loans | 86.8852% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 5,534 |
| Noncurrent loans to loans | 1.1845% | 4,874 |
| Net loans and leases to total assets | 63.6155% | 4,199 |
| Net loans and leases to deposits | 90.5330% | 1,647 |
| Net loans and leases to core deposits | 96.2533% | 2,229 |
| Total domestic deposits to total assets | 70.2677% | 7,260 |
| Equity capital to assets | 9.1933% | 5,321 |
| Core capital (leverage) ratio | 8.9000% | 4,850 |
| Tier 1 risk-based capital ratio | 13.1404% | 4,464 |
| Total risk-based capital ratio | 14.1151% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,559,536,500 | 435 |
| Average earning assets | $1,434,973,250 | 423 |
| Average equity | $139,635,500 | 487 |
| Average total loans | $1,015,117,000 | 441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 6,412 |
| Cost of funding earning assets | 1.8095% | 1,607 |
| Net interest margin | 2.8070% | 7,132 |
| Noninterest income to average assets | 0.6052% | 3,300 |
| Noninterest expense to average assets | 2.4032% | 6,063 |
| Loan and lease loss provision to assets | 0.0945% | 5,966 |
| Net operating income to assets | 0.5263% | 4,212 |
| Return on assets (ROA) | 0.5744% | 4,121 |
| Pretax return on assets | 0.7544% | 4,049 |
| Return on Equity (ROE) | 6.4741% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.4741% | 2,089 |
| Net charge-offs to loans | -0.0063% | 7,138 |
| Credit loss provision to net charge-offs | -2,293.7500% | 6,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3644% | 3,192 |
| Assets per employee ($millions) | 7.2415% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,312 |
| Loan loss allowance to noncurrent loans | 96.7935% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 5,786 |
| Noncurrent loans to loans | 1.0545% | 5,209 |
| Net loans and leases to total assets | 63.3146% | 4,389 |
| Net loans and leases to deposits | 88.4363% | 2,103 |
| Net loans and leases to core deposits | 94.4443% | 2,650 |
| Total domestic deposits to total assets | 71.5935% | 7,215 |
| Equity capital to assets | 8.8830% | 5,626 |
| Core capital (leverage) ratio | 8.7408% | 5,020 |
| Tier 1 risk-based capital ratio | 12.7456% | 4,650 |
| Total risk-based capital ratio | 13.7040% | 4,882 |
| Memoranda: | ||
| Average total assets | $1,553,246,000 | 440 |
| Average earning assets | $1,429,664,670 | 426 |
| Average equity | $137,811,330 | 491 |
| Average total loans | $1,015,305,000 | 445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 6,291 |
| Cost of funding earning assets | 1.8601% | 1,616 |
| Net interest margin | 2.8262% | 7,146 |
| Noninterest income to average assets | 0.5364% | 3,765 |
| Noninterest expense to average assets | 2.3574% | 6,218 |
| Loan and lease loss provision to assets | 0.1252% | 5,327 |
| Net operating income to assets | 0.5078% | 4,352 |
| Return on assets (ROA) | 0.5078% | 4,495 |
| Pretax return on assets | 0.6569% | 4,383 |
| Return on Equity (ROE) | 5.7265% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.7265% | 2,751 |
| Net charge-offs to loans | -0.0201% | 7,078 |
| Credit loss provision to net charge-offs | -943.1373% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0891% | 3,388 |
| Assets per employee ($millions) | 7.2616% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 6,432 |
| Loan loss allowance to noncurrent loans | 169.4858% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,476 |
| Noncurrent loans to loans | 0.5939% | 6,123 |
| Net loans and leases to total assets | 64.0473% | 4,316 |
| Net loans and leases to deposits | 92.1121% | 1,597 |
| Net loans and leases to core deposits | 97.8915% | 2,354 |
| Total domestic deposits to total assets | 69.5318% | 7,437 |
| Equity capital to assets | 8.7056% | 5,721 |
| Core capital (leverage) ratio | 8.7291% | 4,974 |
| Tier 1 risk-based capital ratio | 12.9609% | 4,366 |
| Total risk-based capital ratio | 13.9311% | 4,543 |
| Memoranda: | ||
| Average total assets | $1,536,925,000 | 455 |
| Average earning assets | $1,415,620,000 | 444 |
| Average equity | $136,279,500 | 499 |
| Average total loans | $1,015,731,000 | 469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 5,754 |
| Cost of funding earning assets | 2.3252% | 1,560 |
| Net interest margin | 2.8532% | 6,954 |
| Noninterest income to average assets | 0.6261% | 3,452 |
| Noninterest expense to average assets | 2.3421% | 6,623 |
| Loan and lease loss provision to assets | 0.0588% | 6,975 |
| Net operating income to assets | 0.6216% | 3,247 |
| Return on assets (ROA) | 0.6216% | 3,313 |
| Pretax return on assets | 0.8626% | 3,041 |
| Return on Equity (ROE) | 7.0093% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.0093% | 958 |
| Net charge-offs to loans | 0.0340% | 6,787 |
| Credit loss provision to net charge-offs | 241.2742% | 1,478 |
| Earnings coverage of net charge-offs (x) | 37.8255% | 630 |
| Efficiency ratio | 71.7674% | 4,305 |
| Assets per employee ($millions) | 6.9400% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 6,692 |
| Loan loss allowance to noncurrent loans | 149.2296% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 6,364 |
| Noncurrent loans to loans | 0.6262% | 5,987 |
| Net loans and leases to total assets | 66.8789% | 3,957 |
| Net loans and leases to deposits | 98.0123% | 1,102 |
| Net loans and leases to core deposits | 113.3887% | 2,554 |
| Total domestic deposits to total assets | 68.2352% | 7,528 |
| Equity capital to assets | 9.0320% | 5,088 |
| Core capital (leverage) ratio | 8.7950% | 4,775 |
| Tier 1 risk-based capital ratio | 12.8549% | 4,243 |
| Total risk-based capital ratio | 13.7799% | 4,441 |
| Memoranda: | ||
| Average total assets | $1,482,077,000 | 460 |
| Average earning assets | $1,369,917,800 | 453 |
| Average equity | $131,439,400 | 512 |
| Average total loans | $1,062,445,200 | 459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 5,674 |
| Cost of funding earning assets | 2.4079% | 1,608 |
| Net interest margin | 2.8438% | 6,975 |
| Noninterest income to average assets | 0.6402% | 3,419 |
| Noninterest expense to average assets | 2.3299% | 6,627 |
| Loan and lease loss provision to assets | 0.0050% | 7,264 |
| Net operating income to assets | 0.6578% | 3,366 |
| Return on assets (ROA) | 0.6578% | 3,429 |
| Pretax return on assets | 0.9349% | 3,116 |
| Return on Equity (ROE) | 7.4522% | 2,883 |
| Retained earnings to average equity (ytd only) | 7.4522% | 1,327 |
| Net charge-offs to loans | 0.0163% | 6,685 |
| Credit loss provision to net charge-offs | 41.9847% | 6,403 |
| Earnings coverage of net charge-offs (x) | 79.2453% | 425 |
| Efficiency ratio | 71.2557% | 4,375 |
| Assets per employee ($millions) | 6.9690% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 6,888 |
| Loan loss allowance to noncurrent loans | 195.6106% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 6,635 |
| Noncurrent loans to loans | 0.4443% | 6,438 |
| Net loans and leases to total assets | 68.8531% | 3,756 |
| Net loans and leases to deposits | 102.4279% | 892 |
| Net loans and leases to core deposits | 121.1187% | 2,146 |
| Total domestic deposits to total assets | 67.2211% | 7,626 |
| Equity capital to assets | 9.1522% | 5,255 |
| Core capital (leverage) ratio | 8.7471% | 5,051 |
| Tier 1 risk-based capital ratio | 12.7137% | 4,382 |
| Total risk-based capital ratio | 13.5853% | 4,623 |
| Memoranda: | ||
| Average total assets | $1,472,632,000 | 479 |
| Average earning assets | $1,361,718,500 | 471 |
| Average equity | $129,980,750 | 526 |
| Average total loans | $1,071,543,500 | 470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 5,593 |
| Cost of funding earning assets | 2.4806% | 1,679 |
| Net interest margin | 2.8331% | 6,949 |
| Noninterest income to average assets | 0.6078% | 3,632 |
| Noninterest expense to average assets | 2.3855% | 6,509 |
| Loan and lease loss provision to assets | 0.0045% | 7,137 |
| Net operating income to assets | 0.6088% | 3,641 |
| Return on assets (ROA) | 0.6088% | 3,749 |
| Pretax return on assets | 0.8355% | 3,555 |
| Return on Equity (ROE) | 6.9854% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.9854% | 1,594 |
| Net charge-offs to loans | -0.0026% | 7,490 |
| Credit loss provision to net charge-offs | -235.7143% | 6,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9566% | 4,037 |
| Assets per employee ($millions) | 7.2730% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,942 |
| Loan loss allowance to noncurrent loans | 155.0025% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 6,436 |
| Noncurrent loans to loans | 0.5546% | 6,158 |
| Net loans and leases to total assets | 70.2392% | 3,639 |
| Net loans and leases to deposits | 106.7826% | 725 |
| Net loans and leases to core deposits | 124.1286% | 2,011 |
| Total domestic deposits to total assets | 65.7777% | 7,752 |
| Equity capital to assets | 8.7069% | 5,742 |
| Core capital (leverage) ratio | 8.6420% | 5,193 |
| Tier 1 risk-based capital ratio | 12.2874% | 4,686 |
| Total risk-based capital ratio | 13.1597% | 4,911 |
| Memoranda: | ||
| Average total assets | $1,466,384,330 | 489 |
| Average earning assets | $1,354,914,330 | 483 |
| Average equity | $127,810,000 | 545 |
| Average total loans | $1,083,438,000 | 483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 5,349 |
| Cost of funding earning assets | 2.5864% | 1,605 |
| Net interest margin | 2.8274% | 6,934 |
| Noninterest income to average assets | 0.5891% | 3,634 |
| Noninterest expense to average assets | 2.2848% | 6,587 |
| Loan and lease loss provision to assets | 0.0030% | 6,735 |
| Net operating income to assets | 0.6299% | 3,883 |
| Return on assets (ROA) | 0.6299% | 4,065 |
| Pretax return on assets | 0.9123% | 3,669 |
| Return on Equity (ROE) | 7.2227% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.2227% | 2,121 |
| Net charge-offs to loans | 0.0026% | 5,700 |
| Credit loss provision to net charge-offs | 157.1429% | 2,680 |
| Earnings coverage of net charge-offs (x) | 474.1429% | 63 |
| Efficiency ratio | 71.3978% | 4,291 |
| Assets per employee ($millions) | 6.9403% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 7,007 |
| Loan loss allowance to noncurrent loans | 214.6030% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 6,590 |
| Noncurrent loans to loans | 0.3916% | 6,442 |
| Net loans and leases to total assets | 73.1794% | 2,967 |
| Net loans and leases to deposits | 114.4525% | 428 |
| Net loans and leases to core deposits | 134.9225% | 1,362 |
| Total domestic deposits to total assets | 63.9387% | 7,845 |
| Equity capital to assets | 8.7249% | 5,730 |
| Core capital (leverage) ratio | 8.7535% | 5,058 |
| Tier 1 risk-based capital ratio | 12.2700% | 4,731 |
| Total risk-based capital ratio | 13.1517% | 4,951 |
| Memoranda: | ||
| Average total assets | $1,450,454,500 | 499 |
| Average earning assets | $1,339,451,000 | 491 |
| Average equity | $126,490,000 | 541 |
| Average total loans | $1,094,417,500 | 479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7269% | 6,690 |
| Cost of funding earning assets | 3.0554% | 1,658 |
| Net interest margin | 2.6715% | 7,545 |
| Noninterest income to average assets | 0.5403% | 4,315 |
| Noninterest expense to average assets | 2.2309% | 6,893 |
| Loan and lease loss provision to assets | 0.0249% | 7,089 |
| Net operating income to assets | 0.5908% | 4,346 |
| Return on assets (ROA) | 0.5318% | 4,461 |
| Pretax return on assets | 0.6739% | 4,469 |
| Return on Equity (ROE) | 6.6386% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.6386% | 1,281 |
| Net charge-offs to loans | 0.0073% | 6,846 |
| Credit loss provision to net charge-offs | 445.5696% | 983 |
| Earnings coverage of net charge-offs (x) | 138.3418% | 328 |
| Efficiency ratio | 74.2562% | 3,530 |
| Assets per employee ($millions) | 6.7126% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 7,029 |
| Loan loss allowance to noncurrent loans | 214.7114% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 6,357 |
| Noncurrent loans to loans | 0.3816% | 6,202 |
| Net loans and leases to total assets | 76.5074% | 2,497 |
| Net loans and leases to deposits | 127.9035% | 240 |
| Net loans and leases to core deposits | 151.3853% | 803 |
| Total domestic deposits to total assets | 59.8165% | 7,973 |
| Equity capital to assets | 8.7165% | 5,784 |
| Core capital (leverage) ratio | 8.6798% | 5,236 |
| Tier 1 risk-based capital ratio | 11.8827% | 4,917 |
| Total risk-based capital ratio | 12.7519% | 5,130 |
| Memoranda: | ||
| Average total assets | $1,413,037,800 | 490 |
| Average earning assets | $1,303,313,600 | 488 |
| Average equity | $113,201,000 | 593 |
| Average total loans | $1,080,770,000 | 464 |