Home > Principal Bank > Performance and Condition Ratios
Principal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 3,319 |
| Cost of funding earning assets | 1.9459% | 999 |
| Net interest margin | 2.4304% | 4,159 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 1.4475% | 4,362 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.3650% | 1,291 |
| Return on assets (ROA) | 1.3297% | 1,335 |
| Pretax return on assets | 1.7962% | 894 |
| Return on Equity (ROE) | 38.6400% | 93 |
| Retained earnings to average equity (ytd only) | 38.6360% | 30 |
| Net charge-offs to loans | -0.0455% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.2631% | 4,244 |
| Assets per employee ($millions) | 11.1975% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2253% | 4,442 |
| Loan loss allowance to noncurrent loans | 64.5600% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,849 |
| Noncurrent loans to loans | 0.3489% | 1,933 |
| Net loans and leases to total assets | 28.9400% | 4,319 |
| Net loans and leases to deposits | 30.6098% | 4,352 |
| Net loans and leases to core deposits | 30.9413% | 4,386 |
| Total domestic deposits to total assets | 94.5500% | 78 |
| Equity capital to assets | 4.5463% | 4,467 |
| Core capital (leverage) ratio | 8.3681% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1612% | 885 |
| Memoranda: | ||
| Average total assets | $8,131,884,200 | 185 |
| Average earning assets | $7,845,757,200 | 174 |
| Average equity | $279,876,200 | 418 |
| Average total loans | $2,386,224,200 | 353 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 3,319 |
| Cost of funding earning assets | 1.8761% | 892 |
| Net interest margin | 2.4108% | 4,218 |
| Noninterest income to average assets | 1.3400% | 448 |
| Noninterest expense to average assets | 1.4168% | 4,383 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.6711% | 832 |
| Return on assets (ROA) | 1.6644% | 839 |
| Pretax return on assets | 2.2547% | 517 |
| Return on Equity (ROE) | 52.6300% | 67 |
| Retained earnings to average equity (ytd only) | 52.6317% | 29 |
| Net charge-offs to loans | -0.0499% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.6057% | 4,392 |
| Assets per employee ($millions) | 11.7384% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2520% | 4,457 |
| Loan loss allowance to noncurrent loans | 65.4427% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 2,791 |
| Noncurrent loans to loans | 0.3850% | 1,862 |
| Net loans and leases to total assets | 30.1400% | 4,311 |
| Net loans and leases to deposits | 31.5885% | 4,360 |
| Net loans and leases to core deposits | 31.9157% | 4,368 |
| Total domestic deposits to total assets | 95.4200% | 99 |
| Equity capital to assets | 3.4969% | 4,456 |
| Core capital (leverage) ratio | 8.4405% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9638% | 950 |
| Memoranda: | ||
| Average total assets | $8,112,914,750 | 186 |
| Average earning assets | $7,827,350,000 | 176 |
| Average equity | $256,558,750 | 442 |
| Average total loans | $2,387,586,750 | 357 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,378 |
| Cost of funding earning assets | 1.7888% | 751 |
| Net interest margin | 2.3707% | 4,324 |
| Noninterest income to average assets | 1.0600% | 521 |
| Noninterest expense to average assets | 1.4217% | 4,396 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.4459% | 1,225 |
| Return on assets (ROA) | 1.4368% | 1,230 |
| Pretax return on assets | 1.9469% | 810 |
| Return on Equity (ROE) | 47.0400% | 73 |
| Retained earnings to average equity (ytd only) | 47.0373% | 40 |
| Net charge-offs to loans | -0.0490% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.5066% | 4,319 |
| Assets per employee ($millions) | 12.2217% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2044% | 4,500 |
| Loan loss allowance to noncurrent loans | 47.2817% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 2,650 |
| Noncurrent loans to loans | 0.4322% | 1,639 |
| Net loans and leases to total assets | 29.7600% | 4,336 |
| Net loans and leases to deposits | 31.0676% | 4,385 |
| Net loans and leases to core deposits | 31.3629% | 4,391 |
| Total domestic deposits to total assets | 95.8000% | 62 |
| Equity capital to assets | 3.4603% | 4,548 |
| Core capital (leverage) ratio | 7.9340% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9172% | 1,138 |
| Memoranda: | ||
| Average total assets | $8,179,986,000 | 181 |
| Average earning assets | $7,893,224,333 | 171 |
| Average equity | $249,857,000 | 439 |
| Average total loans | $2,386,555,000 | 345 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,935 |
| Cost of funding earning assets | 1.6604% | 623 |
| Net interest margin | 2.5872% | 4,218 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 1.3466% | 4,511 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.4056% | 1,393 |
| Return on assets (ROA) | 1.3762% | 1,445 |
| Pretax return on assets | 1.8602% | 968 |
| Return on Equity (ROE) | 48.1500% | 78 |
| Retained earnings to average equity (ytd only) | 48.1522% | 41 |
| Net charge-offs to loans | -0.0251% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.2153% | 4,382 |
| Assets per employee ($millions) | 12.4733% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1999% | 4,562 |
| Loan loss allowance to noncurrent loans | 35.1626% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,334 |
| Noncurrent loans to loans | 0.5684% | 1,309 |
| Net loans and leases to total assets | 29.3000% | 4,380 |
| Net loans and leases to deposits | 30.6106% | 4,435 |
| Net loans and leases to core deposits | 30.8664% | 4,448 |
| Total domestic deposits to total assets | 95.7300% | 63 |
| Equity capital to assets | 3.3399% | 4,580 |
| Core capital (leverage) ratio | 7.3834% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6371% | 1,457 |
| Memoranda: | ||
| Average total assets | $8,267,365,000 | 186 |
| Average earning assets | $7,991,825,000 | 174 |
| Average equity | $236,284,000 | 473 |
| Average total loans | $2,386,136,000 | 357 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7064% | 4,400 |
| Cost of funding earning assets | 0.5903% | 938 |
| Net interest margin | 2.1161% | 4,515 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 1.3377% | 4,545 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1368% | 2,024 |
| Return on assets (ROA) | 1.0960% | 2,130 |
| Pretax return on assets | 1.4959% | 1,467 |
| Return on Equity (ROE) | 28.2700% | 139 |
| Retained earnings to average equity (ytd only) | 28.2677% | 36 |
| Net charge-offs to loans | -0.1045% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.9833% | 4,345 |
| Assets per employee ($millions) | 12.8479% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2415% | 4,572 |
| Loan loss allowance to noncurrent loans | 35.7103% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 2,217 |
| Noncurrent loans to loans | 0.6762% | 1,107 |
| Net loans and leases to total assets | 28.3100% | 4,429 |
| Net loans and leases to deposits | 29.3192% | 4,484 |
| Net loans and leases to core deposits | 29.5048% | 4,489 |
| Total domestic deposits to total assets | 96.5500% | 62 |
| Equity capital to assets | 2.3902% | 4,632 |
| Core capital (leverage) ratio | 6.9562% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5090% | 1,780 |
| Memoranda: | ||
| Average total assets | $8,072,788,400 | 186 |
| Average earning assets | $7,822,760,800 | 176 |
| Average equity | $312,990,200 | 377 |
| Average total loans | $1,981,232,400 | 379 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3233% | 4,526 |
| Cost of funding earning assets | 0.3506% | 1,695 |
| Net interest margin | 1.9727% | 4,558 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 1.2636% | 4,598 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.1852% | 1,753 |
| Return on assets (ROA) | 1.1373% | 1,914 |
| Pretax return on assets | 1.5411% | 1,299 |
| Return on Equity (ROE) | 26.6500% | 141 |
| Retained earnings to average equity (ytd only) | 26.6515% | 40 |
| Net charge-offs to loans | -0.1247% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.4851% | 4,446 |
| Assets per employee ($millions) | 12.8339% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0898% | 4,641 |
| Loan loss allowance to noncurrent loans | 27.3393% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,051 |
| Noncurrent loans to loans | 0.3285% | 2,054 |
| Net loans and leases to total assets | 26.8000% | 4,489 |
| Net loans and leases to deposits | 27.6102% | 4,542 |
| Net loans and leases to core deposits | 27.7706% | 4,546 |
| Total domestic deposits to total assets | 97.0800% | 78 |
| Equity capital to assets | 2.0491% | 4,658 |
| Core capital (leverage) ratio | 6.8600% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7464% | 2,154 |
| Memoranda: | ||
| Average total assets | $7,993,570,250 | 187 |
| Average earning assets | $7,753,638,000 | 175 |
| Average equity | $341,105,500 | 354 |
| Average total loans | $1,881,382,250 | 394 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0170% | 4,614 |
| Cost of funding earning assets | 0.1591% | 3,463 |
| Net interest margin | 1.8579% | 4,612 |
| Noninterest income to average assets | 0.5722% | 1,855 |
| Noninterest expense to average assets | 1.1046% | 4,675 |
| Loan and lease loss provision to assets | -0.0454% | 4,504 |
| Net operating income to assets | 0.9743% | 2,245 |
| Return on assets (ROA) | 0.9027% | 2,541 |
| Pretax return on assets | 1.2304% | 1,958 |
| Return on Equity (ROE) | 17.8628% | 486 |
| Retained earnings to average equity (ytd only) | 17.8628% | 120 |
| Net charge-offs to loans | -0.1504% | 4,534 |
| Credit loss provision to net charge-offs | 134.8943% | 1,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4068% | 4,434 |
| Assets per employee ($millions) | 12.5843% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0702% | 4,711 |
| Loan loss allowance to noncurrent loans | 26.8399% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,386 |
| Noncurrent loans to loans | 0.2615% | 2,431 |
| Net loans and leases to total assets | 22.7505% | 4,617 |
| Net loans and leases to deposits | 23.8749% | 4,644 |
| Net loans and leases to core deposits | 24.0201% | 4,647 |
| Total domestic deposits to total assets | 95.2905% | 122 |
| Equity capital to assets | 3.2242% | 4,681 |
| Core capital (leverage) ratio | 6.7723% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8296% | 2,135 |
| Memoranda: | ||
| Average total assets | $7,868,868,333 | 185 |
| Average earning assets | $7,657,658,333 | 177 |
| Average equity | $397,654,000 | 309 |
| Average total loans | $1,760,250,667 | 407 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7992% | 4,666 |
| Cost of funding earning assets | 0.1179% | 3,922 |
| Net interest margin | 1.6814% | 4,650 |
| Noninterest income to average assets | 0.1228% | 4,393 |
| Noninterest expense to average assets | 0.6838% | 4,766 |
| Loan and lease loss provision to assets | -0.0317% | 4,484 |
| Net operating income to assets | 0.8323% | 2,547 |
| Return on assets (ROA) | 0.6925% | 3,077 |
| Pretax return on assets | 0.9434% | 2,618 |
| Return on Equity (ROE) | 11.5306% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.5306% | 672 |
| Net charge-offs to loans | -0.0639% | 4,343 |
| Credit loss provision to net charge-offs | 224.0000% | 745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5792% | 4,671 |
| Assets per employee ($millions) | 13.9866% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0804% | 4,736 |
| Loan loss allowance to noncurrent loans | 21.8644% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,262 |
| Noncurrent loans to loans | 0.3675% | 2,169 |
| Net loans and leases to total assets | 22.2173% | 4,644 |
| Net loans and leases to deposits | 23.4820% | 4,666 |
| Net loans and leases to core deposits | 23.6273% | 4,669 |
| Total domestic deposits to total assets | 94.6142% | 66 |
| Equity capital to assets | 4.8025% | 4,738 |
| Core capital (leverage) ratio | 6.9458% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7539% | 2,324 |
| Memoranda: | ||
| Average total assets | $7,763,729,000 | 189 |
| Average earning assets | $7,617,402,500 | 178 |
| Average equity | $466,237,000 | 286 |
| Average total loans | $1,720,706,000 | 415 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9038% | 4,693 |
| Cost of funding earning assets | 0.1450% | 4,024 |
| Net interest margin | 1.7589% | 4,675 |
| Noninterest income to average assets | 0.3771% | 3,174 |
| Noninterest expense to average assets | 0.4669% | 4,811 |
| Loan and lease loss provision to assets | -0.1265% | 4,592 |
| Net operating income to assets | 1.3055% | 1,580 |
| Return on assets (ROA) | 1.3084% | 1,619 |
| Pretax return on assets | 1.7711% | 977 |
| Return on Equity (ROE) | 16.2438% | 715 |
| Retained earnings to average equity (ytd only) | 16.2438% | 161 |
| Net charge-offs to loans | -0.2353% | 4,725 |
| Credit loss provision to net charge-offs | 220.1887% | 1,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1516% | 4,819 |
| Assets per employee ($millions) | 34.0403% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1041% | 4,768 |
| Loan loss allowance to noncurrent loans | 50.7087% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,677 |
| Noncurrent loans to loans | 0.2052% | 2,932 |
| Net loans and leases to total assets | 22.0660% | 4,696 |
| Net loans and leases to deposits | 24.0159% | 4,711 |
| Net loans and leases to core deposits | 24.1792% | 4,715 |
| Total domestic deposits to total assets | 91.8809% | 213 |
| Equity capital to assets | 7.2519% | 4,665 |
| Core capital (leverage) ratio | 7.6171% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1892% | 2,166 |
| Memoranda: | ||
| Average total assets | $5,535,503,200 | 250 |
| Average earning assets | $5,446,818,600 | 234 |
| Average equity | $445,880,800 | 295 |
| Average total loans | $1,351,191,400 | 508 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9781% | 4,767 |
| Cost of funding earning assets | 0.1587% | 4,025 |
| Net interest margin | 1.8194% | 4,737 |
| Noninterest income to average assets | 0.3849% | 3,176 |
| Noninterest expense to average assets | 0.4977% | 4,895 |
| Loan and lease loss provision to assets | -0.1376% | 4,674 |
| Net operating income to assets | 1.3439% | 1,705 |
| Return on assets (ROA) | 1.3461% | 1,753 |
| Pretax return on assets | 1.8172% | 1,121 |
| Return on Equity (ROE) | 16.1013% | 930 |
| Retained earnings to average equity (ytd only) | 16.1013% | 292 |
| Net charge-offs to loans | -0.2410% | 4,791 |
| Credit loss provision to net charge-offs | 225.7417% | 1,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8892% | 4,891 |
| Assets per employee ($millions) | 24.8220% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1923% | 4,840 |
| Loan loss allowance to noncurrent loans | 51.7096% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 3,525 |
| Noncurrent loans to loans | 0.3719% | 2,448 |
| Net loans and leases to total assets | 22.9772% | 4,759 |
| Net loans and leases to deposits | 25.7336% | 4,773 |
| Net loans and leases to core deposits | 25.9663% | 4,779 |
| Total domestic deposits to total assets | 89.2888% | 1,125 |
| Equity capital to assets | 8.2954% | 4,354 |
| Core capital (leverage) ratio | 8.5848% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5052% | 2,165 |
| Memoranda: | ||
| Average total assets | $5,013,124,500 | 270 |
| Average earning assets | $4,930,847,250 | 254 |
| Average equity | $419,111,000 | 302 |
| Average total loans | $1,267,916,000 | 543 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0495% | 4,794 |
| Cost of funding earning assets | 0.1694% | 4,045 |
| Net interest margin | 1.8801% | 4,761 |
| Noninterest income to average assets | 0.5038% | 2,605 |
| Noninterest expense to average assets | 0.5446% | 4,928 |
| Loan and lease loss provision to assets | -0.1747% | 4,736 |
| Net operating income to assets | 1.4642% | 1,387 |
| Return on assets (ROA) | 1.4709% | 1,433 |
| Pretax return on assets | 1.9919% | 851 |
| Return on Equity (ROE) | 17.5351% | 711 |
| Retained earnings to average equity (ytd only) | 17.5351% | 243 |
| Net charge-offs to loans | -0.2365% | 4,817 |
| Credit loss provision to net charge-offs | 281.0643% | 916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1404% | 4,923 |
| Assets per employee ($millions) | 19.3534% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 4,865 |
| Loan loss allowance to noncurrent loans | 70.4242% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,619 |
| Noncurrent loans to loans | 0.3457% | 2,665 |
| Net loans and leases to total assets | 25.3326% | 4,765 |
| Net loans and leases to deposits | 28.2305% | 4,780 |
| Net loans and leases to core deposits | 28.5627% | 4,795 |
| Total domestic deposits to total assets | 89.7350% | 901 |
| Equity capital to assets | 8.4268% | 4,254 |
| Core capital (leverage) ratio | 7.4078% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2731% | 2,621 |
| Memoranda: | ||
| Average total assets | $4,657,037,667 | 278 |
| Average earning assets | $4,581,042,333 | 265 |
| Average equity | $390,656,000 | 321 |
| Average total loans | $1,223,879,333 | 561 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1608% | 4,802 |
| Cost of funding earning assets | 0.1721% | 4,143 |
| Net interest margin | 1.9887% | 4,738 |
| Noninterest income to average assets | 1.1780% | 879 |
| Noninterest expense to average assets | 0.5705% | 4,955 |
| Loan and lease loss provision to assets | -0.2516% | 4,838 |
| Net operating income to assets | 2.0815% | 509 |
| Return on assets (ROA) | 2.1118% | 524 |
| Pretax return on assets | 2.8545% | 281 |
| Return on Equity (ROE) | 25.2354% | 251 |
| Retained earnings to average equity (ytd only) | 25.2354% | 139 |
| Net charge-offs to loans | -0.2793% | 4,838 |
| Credit loss provision to net charge-offs | 336.8298% | 710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.1975% | 4,957 |
| Assets per employee ($millions) | 28.1191% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2812% | 4,885 |
| Loan loss allowance to noncurrent loans | 87.0730% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,758 |
| Noncurrent loans to loans | 0.3229% | 2,946 |
| Net loans and leases to total assets | 26.9200% | 4,773 |
| Net loans and leases to deposits | 29.7441% | 4,797 |
| Net loans and leases to core deposits | 36.6703% | 4,700 |
| Total domestic deposits to total assets | 90.5054% | 585 |
| Equity capital to assets | 8.1292% | 4,411 |
| Core capital (leverage) ratio | 7.3922% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1355% | 2,615 |
| Memoranda: | ||
| Average total assets | $4,595,410,000 | 279 |
| Average earning assets | $4,521,927,500 | 263 |
| Average equity | $384,570,500 | 323 |
| Average total loans | $1,228,854,500 | 559 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3097% | 4,878 |
| Cost of funding earning assets | 0.3346% | 3,950 |
| Net interest margin | 1.9751% | 4,837 |
| Noninterest income to average assets | -0.1602% | 4,981 |
| Noninterest expense to average assets | 0.5675% | 4,974 |
| Loan and lease loss provision to assets | 0.0237% | 4,103 |
| Net operating income to assets | 0.8710% | 2,826 |
| Return on assets (ROA) | 0.8897% | 2,876 |
| Pretax return on assets | 1.2123% | 2,286 |
| Return on Equity (ROE) | 11.2666% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.2666% | 404 |
| Net charge-offs to loans | -0.1671% | 4,874 |
| Credit loss provision to net charge-offs | -49.2840% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8833% | 4,950 |
| Assets per employee ($millions) | 28.8092% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4655% | 4,813 |
| Loan loss allowance to noncurrent loans | 33.4734% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 2,506 |
| Noncurrent loans to loans | 1.3907% | 983 |
| Net loans and leases to total assets | 26.3545% | 4,817 |
| Net loans and leases to deposits | 29.1947% | 4,844 |
| Net loans and leases to core deposits | 36.4307% | 4,769 |
| Total domestic deposits to total assets | 90.2716% | 461 |
| Equity capital to assets | 8.6156% | 4,359 |
| Core capital (leverage) ratio | 7.0470% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7018% | 2,730 |
| Memoranda: | ||
| Average total assets | $4,214,194,200 | 279 |
| Average earning assets | $4,139,422,600 | 260 |
| Average equity | $332,770,000 | 344 |
| Average total loans | $1,211,598,800 | 545 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4453% | 4,911 |
| Cost of funding earning assets | 0.3776% | 3,921 |
| Net interest margin | 2.0677% | 4,864 |
| Noninterest income to average assets | -0.3401% | 5,022 |
| Noninterest expense to average assets | 0.5718% | 5,012 |
| Loan and lease loss provision to assets | 0.0222% | 4,051 |
| Net operating income to assets | 0.7990% | 3,094 |
| Return on assets (ROA) | 0.8267% | 3,118 |
| Pretax return on assets | 1.1306% | 2,642 |
| Return on Equity (ROE) | 10.7366% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.7366% | 624 |
| Net charge-offs to loans | -0.1814% | 4,912 |
| Credit loss provision to net charge-offs | -41.6213% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8452% | 4,973 |
| Assets per employee ($millions) | 27.3478% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3677% | 4,899 |
| Loan loss allowance to noncurrent loans | 83.3418% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 3,756 |
| Noncurrent loans to loans | 0.4412% | 2,727 |
| Net loans and leases to total assets | 30.2982% | 4,812 |
| Net loans and leases to deposits | 33.5198% | 4,861 |
| Net loans and leases to core deposits | 41.9647% | 4,746 |
| Total domestic deposits to total assets | 90.3892% | 311 |
| Equity capital to assets | 8.4340% | 4,498 |
| Core capital (leverage) ratio | 6.9893% | 4,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7174% | 2,717 |
| Memoranda: | ||
| Average total assets | $4,136,982,000 | 279 |
| Average earning assets | $4,060,640,250 | 259 |
| Average equity | $318,540,250 | 349 |
| Average total loans | $1,215,098,250 | 537 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4984% | 4,963 |
| Cost of funding earning assets | 0.4570% | 3,759 |
| Net interest margin | 2.0414% | 4,936 |
| Noninterest income to average assets | -0.6092% | 5,051 |
| Noninterest expense to average assets | 0.5783% | 5,049 |
| Loan and lease loss provision to assets | 0.0478% | 3,701 |
| Net operating income to assets | 0.5528% | 3,879 |
| Return on assets (ROA) | 0.6091% | 3,789 |
| Pretax return on assets | 0.8384% | 3,483 |
| Return on Equity (ROE) | 8.1914% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.1914% | 1,247 |
| Net charge-offs to loans | -0.1822% | 4,928 |
| Credit loss provision to net charge-offs | -90.4851% | 3,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5072% | 4,871 |
| Assets per employee ($millions) | 25.9370% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3613% | 4,930 |
| Loan loss allowance to noncurrent loans | 71.0815% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,763 |
| Noncurrent loans to loans | 0.5084% | 2,626 |
| Net loans and leases to total assets | 29.7802% | 4,863 |
| Net loans and leases to deposits | 33.0059% | 4,902 |
| Net loans and leases to core deposits | 41.2930% | 4,808 |
| Total domestic deposits to total assets | 90.2270% | 339 |
| Equity capital to assets | 7.9240% | 4,757 |
| Core capital (leverage) ratio | 6.8423% | 5,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5167% | 2,809 |
| Memoranda: | ||
| Average total assets | $4,057,426,333 | 280 |
| Average earning assets | $3,979,984,000 | 261 |
| Average equity | $301,706,667 | 356 |
| Average total loans | $1,176,585,000 | 538 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6360% | 5,028 |
| Cost of funding earning assets | 0.6679% | 3,071 |
| Net interest margin | 1.9682% | 5,019 |
| Noninterest income to average assets | -1.0364% | 5,101 |
| Noninterest expense to average assets | 0.6116% | 5,093 |
| Loan and lease loss provision to assets | 0.2194% | 1,411 |
| Net operating income to assets | 0.0655% | 4,696 |
| Return on assets (ROA) | -0.0645% | 4,771 |
| Pretax return on assets | -0.0671% | 4,763 |
| Return on Equity (ROE) | -0.8985% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.8985% | 4,126 |
| Net charge-offs to loans | -0.1923% | 4,935 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0072% | 2,663 |
| Assets per employee ($millions) | 24.7587% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 4,920 |
| Loan loss allowance to noncurrent loans | 90.5761% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,940 |
| Noncurrent loans to loans | 0.4969% | 2,776 |
| Net loans and leases to total assets | 28.5160% | 4,929 |
| Net loans and leases to deposits | 31.0003% | 4,962 |
| Net loans and leases to core deposits | 38.8917% | 4,892 |
| Total domestic deposits to total assets | 91.9863% | 39 |
| Equity capital to assets | 6.7082% | 5,081 |
| Core capital (leverage) ratio | 6.7719% | 5,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3190% | 2,138 |
| Memoranda: | ||
| Average total assets | $3,959,305,500 | 276 |
| Average earning assets | $3,894,163,000 | 262 |
| Average equity | $284,029,000 | 376 |
| Average total loans | $1,129,205,000 | 538 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7791% | 5,096 |
| Cost of funding earning assets | 0.7299% | 3,017 |
| Net interest margin | 2.0491% | 5,088 |
| Noninterest income to average assets | 0.2191% | 4,356 |
| Noninterest expense to average assets | 0.5974% | 5,155 |
| Loan and lease loss provision to assets | -0.0999% | 5,083 |
| Net operating income to assets | 1.2978% | 1,695 |
| Return on assets (ROA) | 1.2660% | 1,904 |
| Pretax return on assets | 1.7029% | 1,179 |
| Return on Equity (ROE) | 17.2702% | 386 |
| Retained earnings to average equity (ytd only) | 13.2636% | 155 |
| Net charge-offs to loans | -0.2808% | 5,085 |
| Credit loss provision to net charge-offs | 125.8506% | 2,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6624% | 5,145 |
| Assets per employee ($millions) | 24.2622% | 47 |
| Cash dividends to net income (ytd only)* | 23.1997% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1693% | 5,094 |
| Loan loss allowance to noncurrent loans | 32.8929% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 3,908 |
| Noncurrent loans to loans | 0.5146% | 2,641 |
| Net loans and leases to total assets | 28.3393% | 4,990 |
| Net loans and leases to deposits | 30.9218% | 5,028 |
| Net loans and leases to core deposits | 38.2265% | 4,970 |
| Total domestic deposits to total assets | 91.6484% | 59 |
| Equity capital to assets | 7.6697% | 5,097 |
| Core capital (leverage) ratio | 7.1441% | 5,133 |
| Tier 1 risk-based capital ratio | 15.1765% | 2,711 |
| Total risk-based capital ratio | 15.2795% | 3,166 |
| Memoranda: | ||
| Average total assets | $3,404,843,000 | 295 |
| Average earning assets | $3,359,048,000 | 277 |
| Average equity | $249,586,200 | 392 |
| Average total loans | $962,871,000 | 597 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 5,183 |
| Cost of funding earning assets | 0.7153% | 3,133 |
| Net interest margin | 2.0787% | 5,172 |
| Noninterest income to average assets | 0.1500% | 4,797 |
| Noninterest expense to average assets | 0.6084% | 5,238 |
| Loan and lease loss provision to assets | -0.1071% | 5,169 |
| Net operating income to assets | 1.2584% | 1,993 |
| Return on assets (ROA) | 1.2436% | 2,116 |
| Pretax return on assets | 1.6788% | 1,397 |
| Return on Equity (ROE) | 17.1969% | 459 |
| Retained earnings to average equity (ytd only) | 17.1969% | 79 |
| Net charge-offs to loans | -0.2729% | 5,146 |
| Credit loss provision to net charge-offs | 138.9617% | 1,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.6686% | 5,218 |
| Assets per employee ($millions) | 24.5005% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1690% | 5,170 |
| Loan loss allowance to noncurrent loans | 36.5591% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,067 |
| Noncurrent loans to loans | 0.4622% | 2,917 |
| Net loans and leases to total assets | 28.4031% | 5,079 |
| Net loans and leases to deposits | 31.4489% | 5,115 |
| Net loans and leases to core deposits | 38.7364% | 5,050 |
| Total domestic deposits to total assets | 90.3152% | 209 |
| Equity capital to assets | 7.9224% | 5,149 |
| Core capital (leverage) ratio | 7.6425% | 5,174 |
| Tier 1 risk-based capital ratio | 14.4588% | 3,096 |
| Total risk-based capital ratio | 14.5556% | 3,582 |
| Memoranda: | ||
| Average total assets | $3,297,697,000 | 303 |
| Average earning assets | $3,250,267,250 | 287 |
| Average equity | $238,479,250 | 409 |
| Average total loans | $931,536,250 | 615 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9601% | 5,219 |
| Cost of funding earning assets | 0.6984% | 3,175 |
| Net interest margin | 2.2617% | 5,199 |
| Noninterest income to average assets | -0.0101% | 5,268 |
| Noninterest expense to average assets | 0.6607% | 5,283 |
| Loan and lease loss provision to assets | -0.1141% | 5,220 |
| Net operating income to assets | 1.2365% | 2,020 |
| Return on assets (ROA) | 1.2156% | 2,148 |
| Pretax return on assets | 1.6450% | 1,413 |
| Return on Equity (ROE) | 17.4719% | 411 |
| Retained earnings to average equity (ytd only) | 17.4719% | 93 |
| Net charge-offs to loans | -0.2723% | 5,175 |
| Credit loss provision to net charge-offs | 148.7158% | 1,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7869% | 5,258 |
| Assets per employee ($millions) | 21.4285% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2257% | 5,210 |
| Loan loss allowance to noncurrent loans | 34.1779% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 3,884 |
| Noncurrent loans to loans | 0.6604% | 2,305 |
| Net loans and leases to total assets | 26.5456% | 5,145 |
| Net loans and leases to deposits | 29.0930% | 5,176 |
| Net loans and leases to core deposits | 32.0013% | 5,164 |
| Total domestic deposits to total assets | 91.2442% | 80 |
| Equity capital to assets | 7.6705% | 5,220 |
| Core capital (leverage) ratio | 7.3403% | 5,244 |
| Tier 1 risk-based capital ratio | 13.9498% | 3,342 |
| Total risk-based capital ratio | 14.0672% | 3,839 |
| Memoranda: | ||
| Average total assets | $3,147,403,330 | 312 |
| Average earning assets | $3,100,997,330 | 296 |
| Average equity | $218,979,670 | 444 |
| Average total loans | $886,543,000 | 651 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 5,251 |
| Cost of funding earning assets | 0.6985% | 3,062 |
| Net interest margin | 2.3719% | 5,235 |
| Noninterest income to average assets | -0.0718% | 5,334 |
| Noninterest expense to average assets | 0.6866% | 5,342 |
| Loan and lease loss provision to assets | -0.0966% | 5,287 |
| Net operating income to assets | 1.2392% | 1,924 |
| Return on assets (ROA) | 1.2086% | 2,073 |
| Pretax return on assets | 1.6345% | 1,384 |
| Return on Equity (ROE) | 18.3620% | 369 |
| Retained earnings to average equity (ytd only) | 18.3620% | 132 |
| Net charge-offs to loans | -0.2731% | 5,209 |
| Credit loss provision to net charge-offs | 122.0588% | 1,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3349% | 5,312 |
| Assets per employee ($millions) | 20.6032% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2723% | 5,258 |
| Loan loss allowance to noncurrent loans | 37.3199% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,780 |
| Noncurrent loans to loans | 0.7296% | 2,197 |
| Net loans and leases to total assets | 28.5503% | 5,172 |
| Net loans and leases to deposits | 30.9110% | 5,209 |
| Net loans and leases to core deposits | 34.0626% | 5,188 |
| Total domestic deposits to total assets | 92.3628% | 46 |
| Equity capital to assets | 7.0377% | 5,309 |
| Core capital (leverage) ratio | 7.2181% | 5,306 |
| Tier 1 risk-based capital ratio | 13.5304% | 3,587 |
| Total risk-based capital ratio | 13.6768% | 4,080 |
| Memoranda: | ||
| Average total assets | $3,092,536,500 | 316 |
| Average earning assets | $3,044,448,500 | 299 |
| Average equity | $203,550,500 | 466 |
| Average total loans | $896,522,500 | 644 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9309% | 5,255 |
| Cost of funding earning assets | 0.5056% | 3,314 |
| Net interest margin | 2.4253% | 5,239 |
| Noninterest income to average assets | 0.3625% | 3,671 |
| Noninterest expense to average assets | 0.6275% | 5,383 |
| Loan and lease loss provision to assets | -0.1757% | 5,323 |
| Net operating income to assets | 1.7118% | 675 |
| Return on assets (ROA) | 1.6189% | 824 |
| Pretax return on assets | 2.1793% | 372 |
| Return on Equity (ROE) | 22.4885% | 144 |
| Retained earnings to average equity (ytd only) | 4.8323% | 2,873 |
| Net charge-offs to loans | -0.0922% | 5,131 |
| Credit loss provision to net charge-offs | 641.7772% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8297% | 5,382 |
| Assets per employee ($millions) | 20.6306% | 48 |
| Cash dividends to net income (ytd only)* | 78.5123% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2801% | 5,290 |
| Loan loss allowance to noncurrent loans | 34.7114% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,638 |
| Noncurrent loans to loans | 0.8069% | 1,989 |
| Net loans and leases to total assets | 29.2688% | 5,215 |
| Net loans and leases to deposits | 31.3419% | 5,255 |
| Net loans and leases to core deposits | 34.5992% | 5,239 |
| Total domestic deposits to total assets | 93.3856% | 23 |
| Equity capital to assets | 6.1269% | 5,377 |
| Core capital (leverage) ratio | 7.4788% | 5,326 |
| Tier 1 risk-based capital ratio | 13.0173% | 3,838 |
| Total risk-based capital ratio | 13.1727% | 4,365 |
| Memoranda: | ||
| Average total assets | $2,753,589,400 | 339 |
| Average earning assets | $2,708,965,200 | 323 |
| Average equity | $198,230,200 | 456 |
| Average total loans | $817,966,800 | 685 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9322% | 5,315 |
| Cost of funding earning assets | 0.4821% | 3,316 |
| Net interest margin | 2.4501% | 5,303 |
| Noninterest income to average assets | 0.5840% | 2,396 |
| Noninterest expense to average assets | 0.6195% | 5,453 |
| Loan and lease loss provision to assets | -0.1976% | 5,397 |
| Net operating income to assets | 1.9135% | 467 |
| Return on assets (ROA) | 1.8920% | 495 |
| Pretax return on assets | 2.5449% | 208 |
| Return on Equity (ROE) | 25.1939% | 83 |
| Retained earnings to average equity (ytd only) | 25.1939% | 22 |
| Net charge-offs to loans | -0.1012% | 5,167 |
| Credit loss provision to net charge-offs | 654.6358% | 556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6909% | 5,454 |
| Assets per employee ($millions) | 21.8416% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3895% | 5,293 |
| Loan loss allowance to noncurrent loans | 37.1980% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,368 |
| Noncurrent loans to loans | 1.0471% | 1,629 |
| Net loans and leases to total assets | 30.7131% | 5,264 |
| Net loans and leases to deposits | 33.5894% | 5,308 |
| Net loans and leases to core deposits | 37.5087% | 5,275 |
| Total domestic deposits to total assets | 91.4368% | 142 |
| Equity capital to assets | 7.6891% | 5,268 |
| Core capital (leverage) ratio | 8.7256% | 4,939 |
| Tier 1 risk-based capital ratio | 15.5814% | 2,613 |
| Total risk-based capital ratio | 15.7942% | 3,017 |
| Memoranda: | ||
| Average total assets | $2,668,339,000 | 345 |
| Average earning assets | $2,624,690,250 | 327 |
| Average equity | $200,387,000 | 446 |
| Average total loans | $795,385,000 | 698 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8876% | 5,375 |
| Cost of funding earning assets | 0.4358% | 3,455 |
| Net interest margin | 2.4518% | 5,362 |
| Noninterest income to average assets | 0.5813% | 2,427 |
| Noninterest expense to average assets | 0.5889% | 5,521 |
| Loan and lease loss provision to assets | -0.2339% | 5,480 |
| Net operating income to assets | 1.9686% | 406 |
| Return on assets (ROA) | 1.9390% | 423 |
| Pretax return on assets | 2.6013% | 187 |
| Return on Equity (ROE) | 26.0336% | 64 |
| Retained earnings to average equity (ytd only) | 26.0336% | 16 |
| Net charge-offs to loans | -0.0590% | 4,973 |
| Credit loss provision to net charge-offs | 1,346.5217% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.6710% | 5,520 |
| Assets per employee ($millions) | 21.5303% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 5,306 |
| Loan loss allowance to noncurrent loans | 41.9089% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,408 |
| Noncurrent loans to loans | 1.1014% | 1,602 |
| Net loans and leases to total assets | 29.9119% | 5,328 |
| Net loans and leases to deposits | 32.9475% | 5,362 |
| Net loans and leases to core deposits | 36.8905% | 5,335 |
| Total domestic deposits to total assets | 90.7863% | 307 |
| Equity capital to assets | 7.4075% | 5,397 |
| Core capital (leverage) ratio | 8.3913% | 5,174 |
| Tier 1 risk-based capital ratio | 14.8739% | 2,931 |
| Total risk-based capital ratio | 15.1196% | 3,339 |
| Memoranda: | ||
| Average total assets | $2,647,717,000 | 347 |
| Average earning assets | $2,605,191,330 | 328 |
| Average equity | $197,206,330 | 453 |
| Average total loans | $779,910,000 | 714 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8188% | 5,448 |
| Cost of funding earning assets | 0.3415% | 4,047 |
| Net interest margin | 2.4773% | 5,406 |
| Noninterest income to average assets | 0.6554% | 2,015 |
| Noninterest expense to average assets | 0.6340% | 5,587 |
| Loan and lease loss provision to assets | -0.2111% | 5,555 |
| Net operating income to assets | 2.0078% | 370 |
| Return on assets (ROA) | 1.9855% | 387 |
| Pretax return on assets | 2.6430% | 173 |
| Return on Equity (ROE) | 26.5822% | 71 |
| Retained earnings to average equity (ytd only) | 26.5822% | 35 |
| Net charge-offs to loans | -0.2886% | 5,443 |
| Credit loss provision to net charge-offs | 250.9091% | 904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.4894% | 5,587 |
| Assets per employee ($millions) | 18.8966% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,957 |
| Loan loss allowance to noncurrent loans | 65.2159% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,510 |
| Noncurrent loans to loans | 1.1238% | 1,633 |
| Net loans and leases to total assets | 29.2719% | 5,379 |
| Net loans and leases to deposits | 31.9170% | 5,417 |
| Net loans and leases to core deposits | 35.7979% | 5,398 |
| Total domestic deposits to total assets | 91.7128% | 147 |
| Equity capital to assets | 7.2579% | 5,478 |
| Core capital (leverage) ratio | 8.3941% | 5,208 |
| Tier 1 risk-based capital ratio | 14.5562% | 3,092 |
| Total risk-based capital ratio | 14.9486% | 3,455 |
| Memoranda: | ||
| Average total assets | $2,615,167,500 | 353 |
| Average earning assets | $2,574,602,500 | 332 |
| Average equity | $195,334,000 | 459 |
| Average total loans | $762,256,500 | 727 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7070% | 5,493 |
| Cost of funding earning assets | 0.3223% | 3,933 |
| Net interest margin | 2.3847% | 5,469 |
| Noninterest income to average assets | 0.2522% | 4,625 |
| Noninterest expense to average assets | 0.6323% | 5,643 |
| Loan and lease loss provision to assets | -0.4440% | 5,643 |
| Net operating income to assets | 1.3776% | 1,064 |
| Return on assets (ROA) | 1.3567% | 1,124 |
| Pretax return on assets | 2.3794% | 226 |
| Return on Equity (ROE) | 17.9813% | 305 |
| Retained earnings to average equity (ytd only) | 15.2727% | 82 |
| Net charge-offs to loans | -0.0113% | 4,813 |
| Credit loss provision to net charge-offs | 13,087.9518% | 21 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3163% | 5,640 |
| Assets per employee ($millions) | 18.1930% | 60 |
| Cash dividends to net income (ytd only)* | 15.0634% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,458 |
| Loan loss allowance to noncurrent loans | 76.8847% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,510 |
| Noncurrent loans to loans | 1.1759% | 1,512 |
| Net loans and leases to total assets | 28.5285% | 5,457 |
| Net loans and leases to deposits | 31.0941% | 5,502 |
| Net loans and leases to core deposits | 31.8906% | 5,505 |
| Total domestic deposits to total assets | 91.7491% | 103 |
| Equity capital to assets | 7.6920% | 5,490 |
| Core capital (leverage) ratio | 7.9886% | 5,445 |
| Tier 1 risk-based capital ratio | 14.2441% | 3,229 |
| Total risk-based capital ratio | 14.7112% | 3,560 |
| Memoranda: | ||
| Average total assets | $2,446,617,000 | 351 |
| Average earning assets | $2,409,252,200 | 333 |
| Average equity | $184,597,600 | 464 |
| Average total loans | $737,314,000 | 715 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6993% | 5,564 |
| Cost of funding earning assets | 0.3268% | 3,874 |
| Net interest margin | 2.3725% | 5,542 |
| Noninterest income to average assets | 0.3945% | 3,726 |
| Noninterest expense to average assets | 0.6362% | 5,714 |
| Loan and lease loss provision to assets | -0.1073% | 5,591 |
| Net operating income to assets | 1.3468% | 1,208 |
| Return on assets (ROA) | 1.3213% | 1,297 |
| Pretax return on assets | 2.1605% | 398 |
| Return on Equity (ROE) | 17.6030% | 369 |
| Retained earnings to average equity (ytd only) | 17.6030% | 67 |
| Net charge-offs to loans | 0.0907% | 1,889 |
| Credit loss provision to net charge-offs | -388.0478% | 4,748 |
| Earnings coverage of net charge-offs (x) | 75.7207% | 850 |
| Efficiency ratio | 23.3119% | 5,709 |
| Assets per employee ($millions) | 18.5006% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 587 |
| Loan loss allowance to noncurrent loans | 166.1926% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 3,588 |
| Noncurrent loans to loans | 1.1937% | 1,604 |
| Net loans and leases to total assets | 29.5912% | 5,509 |
| Net loans and leases to deposits | 32.4143% | 5,555 |
| Net loans and leases to core deposits | 33.2709% | 5,560 |
| Total domestic deposits to total assets | 91.2906% | 130 |
| Equity capital to assets | 7.8776% | 5,549 |
| Core capital (leverage) ratio | 8.1653% | 5,440 |
| Tier 1 risk-based capital ratio | 13.4356% | 3,742 |
| Total risk-based capital ratio | 14.4511% | 3,792 |
| Memoranda: | ||
| Average total assets | $2,421,516,250 | 352 |
| Average earning assets | $2,382,936,000 | 338 |
| Average equity | $181,767,750 | 472 |
| Average total loans | $738,328,500 | 712 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6811% | 5,600 |
| Cost of funding earning assets | 0.3317% | 3,772 |
| Net interest margin | 2.3494% | 5,592 |
| Noninterest income to average assets | 0.3997% | 3,696 |
| Noninterest expense to average assets | 0.6624% | 5,764 |
| Loan and lease loss provision to assets | -0.0174% | 5,559 |
| Net operating income to assets | 1.2655% | 1,389 |
| Return on assets (ROA) | 1.2270% | 1,544 |
| Pretax return on assets | 2.0053% | 522 |
| Return on Equity (ROE) | 16.6314% | 445 |
| Retained earnings to average equity (ytd only) | 16.6314% | 93 |
| Net charge-offs to loans | 0.2311% | 885 |
| Credit loss provision to net charge-offs | -24.5573% | 4,242 |
| Earnings coverage of net charge-offs (x) | 28.9717% | 1,489 |
| Efficiency ratio | 24.4373% | 5,759 |
| Assets per employee ($millions) | 17.1867% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 442 |
| Loan loss allowance to noncurrent loans | 165.1085% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,366 |
| Noncurrent loans to loans | 1.3287% | 1,457 |
| Net loans and leases to total assets | 30.3029% | 5,533 |
| Net loans and leases to deposits | 33.1478% | 5,589 |
| Net loans and leases to core deposits | 34.1026% | 5,598 |
| Total domestic deposits to total assets | 91.4176% | 141 |
| Equity capital to assets | 7.7726% | 5,604 |
| Core capital (leverage) ratio | 7.8145% | 5,585 |
| Tier 1 risk-based capital ratio | 13.1747% | 3,902 |
| Total risk-based capital ratio | 14.3172% | 3,871 |
| Memoranda: | ||
| Average total assets | $2,396,162,330 | 359 |
| Average earning assets | $2,356,878,330 | 345 |
| Average equity | $176,774,330 | 481 |
| Average total loans | $733,097,330 | 716 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6732% | 5,657 |
| Cost of funding earning assets | 0.3331% | 3,719 |
| Net interest margin | 2.3401% | 5,643 |
| Noninterest income to average assets | 0.3879% | 3,751 |
| Noninterest expense to average assets | 0.6859% | 5,831 |
| Loan and lease loss provision to assets | -0.0110% | 5,661 |
| Net operating income to assets | 1.2363% | 1,415 |
| Return on assets (ROA) | 1.1805% | 1,598 |
| Pretax return on assets | 1.9269% | 593 |
| Return on Equity (ROE) | 16.4449% | 470 |
| Retained earnings to average equity (ytd only) | 16.4449% | 185 |
| Net charge-offs to loans | 0.1981% | 870 |
| Credit loss provision to net charge-offs | -18.3333% | 3,807 |
| Earnings coverage of net charge-offs (x) | 33.2611% | 1,152 |
| Efficiency ratio | 25.5070% | 5,819 |
| Assets per employee ($millions) | 17.4068% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 428 |
| Loan loss allowance to noncurrent loans | 149.6168% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 3,220 |
| Noncurrent loans to loans | 1.5180% | 1,309 |
| Net loans and leases to total assets | 30.4211% | 5,571 |
| Net loans and leases to deposits | 33.1099% | 5,638 |
| Net loans and leases to core deposits | 34.1120% | 5,643 |
| Total domestic deposits to total assets | 91.8792% | 119 |
| Equity capital to assets | 7.3442% | 5,713 |
| Core capital (leverage) ratio | 7.5595% | 5,695 |
| Tier 1 risk-based capital ratio | 12.1929% | 4,587 |
| Total risk-based capital ratio | 13.3376% | 4,554 |
| Memoranda: | ||
| Average total assets | $2,391,178,000 | 363 |
| Average earning assets | $2,351,171,000 | 346 |
| Average equity | $171,652,000 | 487 |
| Average total loans | $726,905,500 | 725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7231% | 5,679 |
| Cost of funding earning assets | 0.3573% | 3,440 |
| Net interest margin | 2.3658% | 5,675 |
| Noninterest income to average assets | 0.3964% | 3,916 |
| Noninterest expense to average assets | 0.6705% | 5,885 |
| Loan and lease loss provision to assets | -0.2625% | 5,820 |
| Net operating income to assets | 1.4190% | 976 |
| Return on assets (ROA) | 1.4026% | 1,024 |
| Pretax return on assets | 2.2904% | 280 |
| Return on Equity (ROE) | 18.1102% | 320 |
| Retained earnings to average equity (ytd only) | 4.1870% | 2,930 |
| Net charge-offs to loans | 0.1575% | 1,700 |
| Credit loss provision to net charge-offs | -579.6190% | 5,194 |
| Earnings coverage of net charge-offs (x) | 45.3438% | 1,075 |
| Efficiency ratio | 24.6137% | 5,887 |
| Assets per employee ($millions) | 18.4513% | 55 |
| Cash dividends to net income (ytd only)* | 76.8805% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4656% | 327 |
| Loan loss allowance to noncurrent loans | 138.3313% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 3,100 |
| Noncurrent loans to loans | 1.7824% | 1,068 |
| Net loans and leases to total assets | 28.9327% | 5,661 |
| Net loans and leases to deposits | 31.2990% | 5,721 |
| Net loans and leases to core deposits | 32.2379% | 5,729 |
| Total domestic deposits to total assets | 92.4396% | 71 |
| Equity capital to assets | 7.0114% | 5,796 |
| Core capital (leverage) ratio | 7.2758% | 5,779 |
| Tier 1 risk-based capital ratio | 11.7761% | 4,876 |
| Total risk-based capital ratio | 12.9558% | 4,825 |
| Memoranda: | ||
| Average total assets | $2,318,456,000 | 357 |
| Average earning assets | $2,281,016,000 | 336 |
| Average equity | $179,556,200 | 461 |
| Average total loans | $666,643,200 | 745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7026% | 5,761 |
| Cost of funding earning assets | 0.3598% | 3,437 |
| Net interest margin | 2.3428% | 5,757 |
| Noninterest income to average assets | 0.3950% | 3,957 |
| Noninterest expense to average assets | 0.6822% | 5,956 |
| Loan and lease loss provision to assets | -0.3105% | 5,911 |
| Net operating income to assets | 1.4235% | 1,020 |
| Return on assets (ROA) | 1.4022% | 1,119 |
| Pretax return on assets | 2.2950% | 320 |
| Return on Equity (ROE) | 17.6729% | 380 |
| Retained earnings to average equity (ytd only) | 17.6729% | 81 |
| Net charge-offs to loans | 0.0993% | 1,957 |
| Credit loss provision to net charge-offs | -1,096.9325% | 5,229 |
| Earnings coverage of net charge-offs (x) | 71.2724% | 847 |
| Efficiency ratio | 25.2664% | 5,952 |
| Assets per employee ($millions) | 18.6374% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6924% | 269 |
| Loan loss allowance to noncurrent loans | 147.5995% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,252 |
| Noncurrent loans to loans | 1.8241% | 1,123 |
| Net loans and leases to total assets | 28.5410% | 5,742 |
| Net loans and leases to deposits | 31.5537% | 5,794 |
| Net loans and leases to core deposits | 32.5287% | 5,798 |
| Total domestic deposits to total assets | 90.4523% | 338 |
| Equity capital to assets | 8.4237% | 5,573 |
| Core capital (leverage) ratio | 8.1973% | 5,579 |
| Tier 1 risk-based capital ratio | 12.6098% | 4,400 |
| Total risk-based capital ratio | 13.8475% | 4,320 |
| Memoranda: | ||
| Average total assets | $2,303,014,750 | 360 |
| Average earning assets | $2,265,751,750 | 338 |
| Average equity | $182,723,750 | 457 |
| Average total loans | $656,786,250 | 757 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7837% | 5,806 |
| Cost of funding earning assets | 0.3599% | 3,450 |
| Net interest margin | 2.4238% | 5,794 |
| Noninterest income to average assets | 0.3901% | 3,948 |
| Noninterest expense to average assets | 0.7046% | 6,033 |
| Loan and lease loss provision to assets | -0.2586% | 5,961 |
| Net operating income to assets | 1.4237% | 1,019 |
| Return on assets (ROA) | 1.3895% | 1,141 |
| Pretax return on assets | 2.2742% | 325 |
| Return on Equity (ROE) | 17.8946% | 364 |
| Retained earnings to average equity (ytd only) | 17.8946% | 84 |
| Net charge-offs to loans | 0.1875% | 1,228 |
| Credit loss provision to net charge-offs | -488.4106% | 4,923 |
| Earnings coverage of net charge-offs (x) | 39.0811% | 1,173 |
| Efficiency ratio | 25.4021% | 6,029 |
| Assets per employee ($millions) | 18.1651% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1999% | 160 |
| Loan loss allowance to noncurrent loans | 147.4708% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 3,147 |
| Noncurrent loans to loans | 2.1699% | 877 |
| Net loans and leases to total assets | 27.3098% | 5,837 |
| Net loans and leases to deposits | 29.9742% | 5,885 |
| Net loans and leases to core deposits | 30.8799% | 5,883 |
| Total domestic deposits to total assets | 91.1108% | 175 |
| Equity capital to assets | 8.2563% | 5,712 |
| Core capital (leverage) ratio | 7.9527% | 5,753 |
| Tier 1 risk-based capital ratio | 12.4989% | 4,526 |
| Total risk-based capital ratio | 13.7512% | 4,436 |
| Memoranda: | ||
| Average total assets | $2,281,702,670 | 362 |
| Average earning assets | $2,243,747,670 | 340 |
| Average equity | $177,170,330 | 472 |
| Average total loans | $644,300,330 | 770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 5,747 |
| Cost of funding earning assets | 0.3595% | 3,505 |
| Net interest margin | 2.5728% | 5,744 |
| Noninterest income to average assets | 0.3731% | 4,052 |
| Noninterest expense to average assets | 0.7289% | 6,097 |
| Loan and lease loss provision to assets | -0.4016% | 6,070 |
| Net operating income to assets | 1.5763% | 739 |
| Return on assets (ROA) | 1.5117% | 876 |
| Pretax return on assets | 2.4742% | 247 |
| Return on Equity (ROE) | 20.1236% | 238 |
| Retained earnings to average equity (ytd only) | 20.1236% | 92 |
| Net charge-offs to loans | -0.1172% | 5,698 |
| Credit loss provision to net charge-offs | 1,213.3690% | 330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1128% | 6,091 |
| Assets per employee ($millions) | 17.6298% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5007% | 137 |
| Loan loss allowance to noncurrent loans | 144.9384% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 3,012 |
| Noncurrent loans to loans | 2.4153% | 797 |
| Net loans and leases to total assets | 27.2280% | 5,891 |
| Net loans and leases to deposits | 29.8380% | 5,932 |
| Net loans and leases to core deposits | 30.6957% | 5,939 |
| Total domestic deposits to total assets | 91.2529% | 207 |
| Equity capital to assets | 7.8339% | 5,878 |
| Core capital (leverage) ratio | 7.7104% | 5,872 |
| Tier 1 risk-based capital ratio | 12.0233% | 4,901 |
| Total risk-based capital ratio | 13.2769% | 4,813 |
| Memoranda: | ||
| Average total assets | $2,259,988,000 | 361 |
| Average earning assets | $2,221,706,500 | 341 |
| Average equity | $169,771,000 | 480 |
| Average total loans | $638,461,000 | 775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7229% | 5,924 |
| Cost of funding earning assets | 0.3713% | 3,469 |
| Net interest margin | 2.3516% | 5,921 |
| Noninterest income to average assets | 0.4834% | 3,442 |
| Noninterest expense to average assets | 0.7565% | 6,144 |
| Loan and lease loss provision to assets | -0.0153% | 5,650 |
| Net operating income to assets | 1.2614% | 1,363 |
| Return on assets (ROA) | 1.2473% | 1,451 |
| Pretax return on assets | 2.0278% | 508 |
| Return on Equity (ROE) | 15.4551% | 620 |
| Retained earnings to average equity (ytd only) | 0.1855% | 5,434 |
| Net charge-offs to loans | 0.8691% | 246 |
| Credit loss provision to net charge-offs | -6.4965% | 4,936 |
| Earnings coverage of net charge-offs (x) | 8.6187% | 2,925 |
| Efficiency ratio | 27.1062% | 6,148 |
| Assets per employee ($millions) | 16.6350% | 64 |
| Cash dividends to net income (ytd only)* | 98.7998% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8640% | 91 |
| Loan loss allowance to noncurrent loans | 149.5461% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,865 |
| Noncurrent loans to loans | 2.5838% | 693 |
| Net loans and leases to total assets | 27.1930% | 5,956 |
| Net loans and leases to deposits | 29.4828% | 5,999 |
| Net loans and leases to core deposits | 30.2904% | 6,003 |
| Total domestic deposits to total assets | 92.2335% | 88 |
| Equity capital to assets | 7.1861% | 6,030 |
| Core capital (leverage) ratio | 7.4543% | 5,984 |
| Tier 1 risk-based capital ratio | 11.1492% | 5,443 |
| Total risk-based capital ratio | 12.4041% | 5,345 |
| Memoranda: | ||
| Average total assets | $2,191,031,800 | 357 |
| Average earning assets | $2,150,037,400 | 335 |
| Average equity | $176,821,800 | 454 |
| Average total loans | $595,105,000 | 784 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7090% | 6,015 |
| Cost of funding earning assets | 0.3751% | 3,488 |
| Net interest margin | 2.3339% | 6,014 |
| Noninterest income to average assets | 0.5169% | 3,247 |
| Noninterest expense to average assets | 0.7709% | 6,234 |
| Loan and lease loss provision to assets | 0.0718% | 2,741 |
| Net operating income to assets | 1.2267% | 1,564 |
| Return on assets (ROA) | 1.2172% | 1,658 |
| Pretax return on assets | 1.9494% | 665 |
| Return on Equity (ROE) | 14.6685% | 778 |
| Retained earnings to average equity (ytd only) | 14.6685% | 178 |
| Net charge-offs to loans | 1.0923% | 168 |
| Credit loss provision to net charge-offs | 24.4523% | 3,327 |
| Earnings coverage of net charge-offs (x) | 6.9372% | 2,973 |
| Efficiency ratio | 27.4635% | 6,233 |
| Assets per employee ($millions) | 16.2236% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3403% | 74 |
| Loan loss allowance to noncurrent loans | 151.2936% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 2,871 |
| Noncurrent loans to loans | 2.8688% | 636 |
| Net loans and leases to total assets | 26.4022% | 6,057 |
| Net loans and leases to deposits | 29.0525% | 6,088 |
| Net loans and leases to core deposits | 29.8659% | 6,091 |
| Total domestic deposits to total assets | 90.8775% | 282 |
| Equity capital to assets | 8.5982% | 5,648 |
| Core capital (leverage) ratio | 8.5086% | 5,546 |
| Tier 1 risk-based capital ratio | 11.9166% | 5,130 |
| Total risk-based capital ratio | 13.1721% | 5,048 |
| Memoranda: | ||
| Average total assets | $2,177,357,250 | 363 |
| Average earning assets | $2,136,440,000 | 341 |
| Average equity | $180,682,250 | 454 |
| Average total loans | $585,074,750 | 801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7119% | 6,075 |
| Cost of funding earning assets | 0.3813% | 3,474 |
| Net interest margin | 2.3307% | 6,082 |
| Noninterest income to average assets | 0.6568% | 2,437 |
| Noninterest expense to average assets | 0.7831% | 6,311 |
| Loan and lease loss provision to assets | 0.2205% | 863 |
| Net operating income to assets | 1.2033% | 1,592 |
| Return on assets (ROA) | 1.1980% | 1,684 |
| Pretax return on assets | 1.9313% | 688 |
| Return on Equity (ROE) | 14.6157% | 802 |
| Retained earnings to average equity (ytd only) | 14.6157% | 208 |
| Net charge-offs to loans | 1.6375% | 98 |
| Credit loss provision to net charge-offs | 50.5820% | 2,697 |
| Earnings coverage of net charge-offs (x) | 4.9549% | 2,973 |
| Efficiency ratio | 26.6082% | 6,311 |
| Assets per employee ($millions) | 16.2872% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6895% | 69 |
| Loan loss allowance to noncurrent loans | 147.1881% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 2,783 |
| Noncurrent loans to loans | 3.1861% | 593 |
| Net loans and leases to total assets | 25.8111% | 6,135 |
| Net loans and leases to deposits | 28.3303% | 6,162 |
| Net loans and leases to core deposits | 29.1284% | 6,167 |
| Total domestic deposits to total assets | 91.1079% | 274 |
| Equity capital to assets | 8.3337% | 5,806 |
| Core capital (leverage) ratio | 8.2778% | 5,727 |
| Tier 1 risk-based capital ratio | 11.4306% | 5,509 |
| Total risk-based capital ratio | 12.6871% | 5,425 |
| Memoranda: | ||
| Average total assets | $2,167,673,330 | 364 |
| Average earning assets | $2,126,516,670 | 340 |
| Average equity | $177,672,330 | 463 |
| Average total loans | $577,109,000 | 812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7053% | 6,131 |
| Cost of funding earning assets | 0.3966% | 3,345 |
| Net interest margin | 2.3087% | 6,159 |
| Noninterest income to average assets | 0.3235% | 4,602 |
| Noninterest expense to average assets | 0.8116% | 6,388 |
| Loan and lease loss provision to assets | 0.3405% | 389 |
| Net operating income to assets | 0.8941% | 2,769 |
| Return on assets (ROA) | 0.8791% | 2,972 |
| Pretax return on assets | 1.4137% | 1,845 |
| Return on Equity (ROE) | 10.8175% | 1,681 |
| Retained earnings to average equity (ytd only) | 10.8175% | 749 |
| Net charge-offs to loans | 1.6669% | 108 |
| Credit loss provision to net charge-offs | 77.3990% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.0404% | 2,539 |
| Efficiency ratio | 31.3452% | 6,360 |
| Assets per employee ($millions) | 15.9837% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1039% | 63 |
| Loan loss allowance to noncurrent loans | 151.4289% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 2,758 |
| Noncurrent loans to loans | 3.3705% | 590 |
| Net loans and leases to total assets | 25.4316% | 6,185 |
| Net loans and leases to deposits | 27.9029% | 6,220 |
| Net loans and leases to core deposits | 28.6991% | 6,224 |
| Total domestic deposits to total assets | 91.1433% | 317 |
| Equity capital to assets | 8.3747% | 5,823 |
| Core capital (leverage) ratio | 7.9415% | 5,974 |
| Tier 1 risk-based capital ratio | 11.2293% | 5,696 |
| Total risk-based capital ratio | 12.4879% | 5,609 |
| Memoranda: | ||
| Average total assets | $2,160,270,500 | 366 |
| Average earning assets | $2,119,978,000 | 338 |
| Average equity | $175,568,000 | 468 |
| Average total loans | $570,144,000 | 819 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9046% | 6,131 |
| Cost of funding earning assets | 0.4288% | 3,395 |
| Net interest margin | 2.4758% | 6,178 |
| Noninterest income to average assets | 0.0959% | 6,165 |
| Noninterest expense to average assets | 0.8439% | 6,465 |
| Loan and lease loss provision to assets | 0.0699% | 3,085 |
| Net operating income to assets | 1.0024% | 2,369 |
| Return on assets (ROA) | 0.9985% | 2,466 |
| Pretax return on assets | 1.5975% | 1,242 |
| Return on Equity (ROE) | 11.5357% | 1,545 |
| Retained earnings to average equity (ytd only) | -7.3700% | 6,253 |
| Net charge-offs to loans | 0.9295% | 347 |
| Credit loss provision to net charge-offs | 26.5861% | 3,891 |
| Earnings coverage of net charge-offs (x) | 6.3613% | 3,217 |
| Efficiency ratio | 33.5221% | 6,453 |
| Assets per employee ($millions) | 16.3844% | 70 |
| Cash dividends to net income (ytd only)* | 163.8884% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3472% | 62 |
| Loan loss allowance to noncurrent loans | 139.1941% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 2,665 |
| Noncurrent loans to loans | 3.8416% | 501 |
| Net loans and leases to total assets | 24.5965% | 6,302 |
| Net loans and leases to deposits | 26.8640% | 6,333 |
| Net loans and leases to core deposits | 27.6193% | 6,336 |
| Total domestic deposits to total assets | 91.5594% | 216 |
| Equity capital to assets | 7.8801% | 6,112 |
| Core capital (leverage) ratio | 7.6584% | 6,148 |
| Tier 1 risk-based capital ratio | 15.8567% | 3,029 |
| Total risk-based capital ratio | 17.1267% | 2,976 |
| Memoranda: | ||
| Average total assets | $2,138,851,200 | 353 |
| Average earning assets | $2,092,002,200 | 324 |
| Average equity | $185,129,200 | 432 |
| Average total loans | $605,367,800 | 726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9589% | 6,164 |
| Cost of funding earning assets | 0.4309% | 3,454 |
| Net interest margin | 2.5280% | 6,203 |
| Noninterest income to average assets | -0.0165% | 6,499 |
| Noninterest expense to average assets | 0.8339% | 6,549 |
| Loan and lease loss provision to assets | 0.0730% | 2,881 |
| Net operating income to assets | 0.9663% | 2,615 |
| Return on assets (ROA) | 0.9606% | 2,715 |
| Pretax return on assets | 1.5390% | 1,513 |
| Return on Equity (ROE) | 10.8511% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.8511% | 543 |
| Net charge-offs to loans | 1.0217% | 292 |
| Credit loss provision to net charge-offs | 24.7353% | 3,528 |
| Earnings coverage of net charge-offs (x) | 5.4917% | 3,252 |
| Efficiency ratio | 33.9682% | 6,521 |
| Assets per employee ($millions) | 16.1842% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1810% | 69 |
| Loan loss allowance to noncurrent loans | 139.5317% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 2,849 |
| Noncurrent loans to loans | 3.7132% | 611 |
| Net loans and leases to total assets | 26.0426% | 6,357 |
| Net loans and leases to deposits | 28.7885% | 6,383 |
| Net loans and leases to core deposits | 29.6430% | 6,392 |
| Total domestic deposits to total assets | 90.4616% | 543 |
| Equity capital to assets | 9.1801% | 5,167 |
| Core capital (leverage) ratio | 9.0436% | 5,014 |
| Tier 1 risk-based capital ratio | 18.7158% | 1,982 |
| Total risk-based capital ratio | 19.9867% | 1,942 |
| Memoranda: | ||
| Average total assets | $2,132,879,750 | 348 |
| Average earning assets | $2,085,155,250 | 325 |
| Average equity | $188,805,000 | 420 |
| Average total loans | $616,207,500 | 706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0001% | 6,180 |
| Cost of funding earning assets | 0.4311% | 3,536 |
| Net interest margin | 2.5691% | 6,209 |
| Noninterest income to average assets | 0.2058% | 5,724 |
| Noninterest expense to average assets | 0.8559% | 6,612 |
| Loan and lease loss provision to assets | 0.0591% | 3,092 |
| Net operating income to assets | 1.1253% | 1,836 |
| Return on assets (ROA) | 1.1176% | 1,943 |
| Pretax return on assets | 1.7883% | 861 |
| Return on Equity (ROE) | 12.7851% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.7851% | 357 |
| Net charge-offs to loans | 1.1961% | 265 |
| Credit loss provision to net charge-offs | 16.8139% | 3,233 |
| Earnings coverage of net charge-offs (x) | 5.2929% | 2,953 |
| Efficiency ratio | 31.5217% | 6,596 |
| Assets per employee ($millions) | 16.1096% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9785% | 89 |
| Loan loss allowance to noncurrent loans | 143.9237% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 3,012 |
| Noncurrent loans to loans | 3.4591% | 773 |
| Net loans and leases to total assets | 27.6832% | 6,373 |
| Net loans and leases to deposits | 30.6648% | 6,416 |
| Net loans and leases to core deposits | 31.5441% | 6,424 |
| Total domestic deposits to total assets | 90.2768% | 672 |
| Equity capital to assets | 9.2280% | 5,074 |
| Core capital (leverage) ratio | 8.9181% | 5,138 |
| Tier 1 risk-based capital ratio | 18.2344% | 2,156 |
| Total risk-based capital ratio | 19.5056% | 2,113 |
| Memoranda: | ||
| Average total assets | $2,126,340,670 | 345 |
| Average earning assets | $2,077,105,330 | 323 |
| Average equity | $185,872,670 | 421 |
| Average total loans | $624,544,670 | 689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0298% | 6,209 |
| Cost of funding earning assets | 0.4382% | 3,554 |
| Net interest margin | 2.5917% | 6,248 |
| Noninterest income to average assets | 0.2321% | 5,493 |
| Noninterest expense to average assets | 0.9202% | 6,686 |
| Loan and lease loss provision to assets | 0.0563% | 2,990 |
| Net operating income to assets | 1.1317% | 1,694 |
| Return on assets (ROA) | 1.1162% | 1,812 |
| Pretax return on assets | 1.7602% | 858 |
| Return on Equity (ROE) | 13.1392% | 1,128 |
| Retained earnings to average equity (ytd only) | 13.1392% | 469 |
| Net charge-offs to loans | 1.1609% | 289 |
| Credit loss provision to net charge-offs | 16.4368% | 2,542 |
| Earnings coverage of net charge-offs (x) | 5.3762% | 2,375 |
| Efficiency ratio | 33.3311% | 6,656 |
| Assets per employee ($millions) | 15.5873% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2912% | 78 |
| Loan loss allowance to noncurrent loans | 147.1134% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 3,118 |
| Noncurrent loans to loans | 3.5966% | 792 |
| Net loans and leases to total assets | 27.7880% | 6,420 |
| Net loans and leases to deposits | 30.6085% | 6,473 |
| Net loans and leases to core deposits | 31.5087% | 6,469 |
| Total domestic deposits to total assets | 90.7853% | 650 |
| Equity capital to assets | 8.8099% | 5,321 |
| Core capital (leverage) ratio | 8.7944% | 5,271 |
| Tier 1 risk-based capital ratio | 17.9042% | 2,337 |
| Total risk-based capital ratio | 19.1778% | 2,307 |
| Memoranda: | ||
| Average total assets | $2,118,223,000 | 348 |
| Average earning assets | $2,066,778,000 | 326 |
| Average equity | $179,950,500 | 435 |
| Average total loans | $624,712,500 | 686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 5,774 |
| Cost of funding earning assets | 0.4722% | 3,888 |
| Net interest margin | 2.9590% | 5,664 |
| Noninterest income to average assets | 0.4522% | 4,079 |
| Noninterest expense to average assets | 1.1145% | 6,733 |
| Loan and lease loss provision to assets | 0.4248% | 696 |
| Net operating income to assets | 1.1309% | 1,830 |
| Return on assets (ROA) | 1.1259% | 1,912 |
| Pretax return on assets | 1.7990% | 762 |
| Return on Equity (ROE) | 12.3009% | 1,327 |
| Retained earnings to average equity (ytd only) | -11.7676% | 6,566 |
| Net charge-offs to loans | 2.9282% | 86 |
| Credit loss provision to net charge-offs | 35.9233% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.8871% | 4,423 |
| Efficiency ratio | 33.3079% | 6,748 |
| Assets per employee ($millions) | 28.4287% | 36 |
| Cash dividends to net income (ytd only)* | 195.6647% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4086% | 75 |
| Loan loss allowance to noncurrent loans | 131.4225% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 2,947 |
| Noncurrent loans to loans | 4.1154% | 690 |
| Net loans and leases to total assets | 28.0390% | 6,523 |
| Net loans and leases to deposits | 30.6620% | 6,568 |
| Net loans and leases to core deposits | 31.7816% | 6,567 |
| Total domestic deposits to total assets | 91.4454% | 420 |
| Equity capital to assets | 8.1849% | 5,884 |
| Core capital (leverage) ratio | 8.3988% | 5,785 |
| Tier 1 risk-based capital ratio | 17.1229% | 2,554 |
| Total risk-based capital ratio | 18.3978% | 2,517 |
| Memoranda: | ||
| Average total assets | $2,314,982,000 | 313 |
| Average earning assets | $2,263,950,000 | 292 |
| Average equity | $211,895,400 | 370 |
| Average total loans | $934,888,400 | 454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 5,433 |
| Cost of funding earning assets | 0.4780% | 3,984 |
| Net interest margin | 3.1250% | 5,250 |
| Noninterest income to average assets | 0.5172% | 3,693 |
| Noninterest expense to average assets | 1.2020% | 6,788 |
| Loan and lease loss provision to assets | 0.3324% | 993 |
| Net operating income to assets | 1.2749% | 1,414 |
| Return on assets (ROA) | 1.2685% | 1,505 |
| Pretax return on assets | 2.0311% | 543 |
| Return on Equity (ROE) | 13.5349% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.5349% | 288 |
| Net charge-offs to loans | 1.5105% | 308 |
| Credit loss provision to net charge-offs | 51.4019% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.6706% | 3,638 |
| Efficiency ratio | 33.6182% | 6,816 |
| Assets per employee ($millions) | 26.6821% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0276% | 28 |
| Loan loss allowance to noncurrent loans | 193.9740% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 3,345 |
| Noncurrent loans to loans | 3.6230% | 1,029 |
| Net loans and leases to total assets | 28.6089% | 6,578 |
| Net loans and leases to deposits | 32.1568% | 6,616 |
| Net loans and leases to core deposits | 33.4193% | 6,620 |
| Total domestic deposits to total assets | 88.9669% | 1,569 |
| Equity capital to assets | 10.5778% | 3,188 |
| Core capital (leverage) ratio | 10.6086% | 2,882 |
| Tier 1 risk-based capital ratio | 22.1373% | 1,296 |
| Total risk-based capital ratio | 23.4276% | 1,267 |
| Memoranda: | ||
| Average total assets | $2,360,688,750 | 309 |
| Average earning assets | $2,310,341,250 | 285 |
| Average equity | $221,240,500 | 344 |
| Average total loans | $1,010,606,250 | 428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 5,519 |
| Cost of funding earning assets | 0.4708% | 4,197 |
| Net interest margin | 3.1018% | 5,272 |
| Noninterest income to average assets | 0.3161% | 5,171 |
| Noninterest expense to average assets | 1.1936% | 6,837 |
| Loan and lease loss provision to assets | 0.8510% | 242 |
| Net operating income to assets | 0.8252% | 3,171 |
| Return on assets (ROA) | 0.8195% | 3,355 |
| Pretax return on assets | 1.3043% | 2,288 |
| Return on Equity (ROE) | 9.0860% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.0860% | 1,088 |
| Net charge-offs to loans | 1.5354% | 340 |
| Credit loss provision to net charge-offs | 119.6330% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.0425% | 3,516 |
| Efficiency ratio | 35.5485% | 6,848 |
| Assets per employee ($millions) | 27.7394% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8980% | 125 |
| Loan loss allowance to noncurrent loans | 170.0025% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 3,096 |
| Noncurrent loans to loans | 2.8811% | 1,566 |
| Net loans and leases to total assets | 42.9835% | 5,825 |
| Net loans and leases to deposits | 47.4331% | 6,020 |
| Net loans and leases to core deposits | 49.3731% | 6,060 |
| Total domestic deposits to total assets | 90.6192% | 694 |
| Equity capital to assets | 8.8526% | 5,385 |
| Core capital (leverage) ratio | 8.7491% | 5,359 |
| Tier 1 risk-based capital ratio | 15.7679% | 3,332 |
| Total risk-based capital ratio | 17.0516% | 3,267 |
| Memoranda: | ||
| Average total assets | $2,436,062,670 | 301 |
| Average earning assets | $2,388,880,670 | 281 |
| Average equity | $219,723,670 | 347 |
| Average total loans | $1,128,529,670 | 393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 5,621 |
| Cost of funding earning assets | 0.4832% | 4,259 |
| Net interest margin | 3.0518% | 5,424 |
| Noninterest income to average assets | 0.3385% | 4,991 |
| Noninterest expense to average assets | 1.1557% | 6,922 |
| Loan and lease loss provision to assets | 1.0519% | 165 |
| Net operating income to assets | 0.7083% | 3,652 |
| Return on assets (ROA) | 0.6995% | 3,830 |
| Pretax return on assets | 1.1089% | 2,922 |
| Return on Equity (ROE) | 7.6852% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.6852% | 1,862 |
| Net charge-offs to loans | 1.6677% | 305 |
| Credit loss provision to net charge-offs | 134.5318% | 1,477 |
| Earnings coverage of net charge-offs (x) | 2.7811% | 2,938 |
| Efficiency ratio | 34.7026% | 6,929 |
| Assets per employee ($millions) | 27.2427% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7320% | 162 |
| Loan loss allowance to noncurrent loans | 136.7108% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.6616% | 2,785 |
| Noncurrent loans to loans | 3.4613% | 1,391 |
| Net loans and leases to total assets | 43.8280% | 5,681 |
| Net loans and leases to deposits | 48.4136% | 5,895 |
| Net loans and leases to core deposits | 50.6304% | 5,924 |
| Total domestic deposits to total assets | 90.5283% | 754 |
| Equity capital to assets | 9.1353% | 5,329 |
| Core capital (leverage) ratio | 8.4881% | 5,617 |
| Tier 1 risk-based capital ratio | 15.5273% | 3,513 |
| Total risk-based capital ratio | 16.8110% | 3,456 |
| Memoranda: | ||
| Average total assets | $2,447,428,500 | 305 |
| Average earning assets | $2,399,241,500 | 283 |
| Average equity | $222,764,500 | 351 |
| Average total loans | $1,147,415,000 | 388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 5,725 |
| Cost of funding earning assets | 0.6463% | 3,941 |
| Net interest margin | 3.1968% | 5,575 |
| Noninterest income to average assets | 0.2248% | 5,831 |
| Noninterest expense to average assets | 1.1806% | 6,984 |
| Loan and lease loss provision to assets | 1.7182% | 156 |
| Net operating income to assets | 0.3041% | 5,457 |
| Return on assets (ROA) | 0.2978% | 5,682 |
| Pretax return on assets | 0.4447% | 5,444 |
| Return on Equity (ROE) | 3.3253% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.3253% | 3,882 |
| Net charge-offs to loans | 2.6940% | 215 |
| Credit loss provision to net charge-offs | 124.1466% | 2,291 |
| Earnings coverage of net charge-offs (x) | 1.5695% | 4,656 |
| Efficiency ratio | 35.2109% | 6,996 |
| Assets per employee ($millions) | 27.7615% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4328% | 202 |
| Loan loss allowance to noncurrent loans | 129.2325% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 2,495 |
| Noncurrent loans to loans | 3.4301% | 1,463 |
| Net loans and leases to total assets | 45.6459% | 5,654 |
| Net loans and leases to deposits | 50.3707% | 5,930 |
| Net loans and leases to core deposits | 52.8153% | 5,957 |
| Total domestic deposits to total assets | 90.6200% | 655 |
| Equity capital to assets | 9.0685% | 5,442 |
| Core capital (leverage) ratio | 8.3389% | 5,839 |
| Tier 1 risk-based capital ratio | 15.2822% | 3,557 |
| Total risk-based capital ratio | 16.5647% | 3,489 |
| Memoranda: | ||
| Average total assets | $2,417,170,000 | 301 |
| Average earning assets | $2,365,149,400 | 276 |
| Average equity | $216,459,200 | 347 |
| Average total loans | $1,241,819,000 | 355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 5,796 |
| Cost of funding earning assets | 0.6776% | 3,956 |
| Net interest margin | 3.2182% | 5,656 |
| Noninterest income to average assets | 0.2252% | 5,942 |
| Noninterest expense to average assets | 1.1709% | 7,087 |
| Loan and lease loss provision to assets | 1.8900% | 140 |
| Net operating income to assets | 0.2108% | 5,888 |
| Return on assets (ROA) | 0.2172% | 6,048 |
| Pretax return on assets | 0.3228% | 5,912 |
| Return on Equity (ROE) | 2.4338% | 5,905 |
| Retained earnings to average equity (ytd only) | 2.4338% | 5,112 |
| Net charge-offs to loans | 3.0038% | 183 |
| Credit loss provision to net charge-offs | 120.3282% | 2,410 |
| Earnings coverage of net charge-offs (x) | 1.4026% | 4,591 |
| Efficiency ratio | 34.7043% | 7,085 |
| Assets per employee ($millions) | 28.2240% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0910% | 282 |
| Loan loss allowance to noncurrent loans | 105.3890% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 2,367 |
| Noncurrent loans to loans | 3.8819% | 1,336 |
| Net loans and leases to total assets | 47.7312% | 5,582 |
| Net loans and leases to deposits | 52.6566% | 5,924 |
| Net loans and leases to core deposits | 55.2082% | 5,946 |
| Total domestic deposits to total assets | 90.6462% | 542 |
| Equity capital to assets | 9.0482% | 5,778 |
| Core capital (leverage) ratio | 8.2546% | 6,080 |
| Tier 1 risk-based capital ratio | 15.1879% | 3,714 |
| Total risk-based capital ratio | 16.4687% | 3,643 |
| Memoranda: | ||
| Average total assets | $2,410,710,000 | 297 |
| Average earning assets | $2,358,730,000 | 274 |
| Average equity | $215,187,750 | 344 |
| Average total loans | $1,260,559,000 | 351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 5,942 |
| Cost of funding earning assets | 0.7017% | 4,002 |
| Net interest margin | 3.1859% | 5,780 |
| Noninterest income to average assets | 0.2038% | 6,101 |
| Noninterest expense to average assets | 1.0871% | 7,172 |
| Loan and lease loss provision to assets | 1.1774% | 357 |
| Net operating income to assets | 0.6439% | 4,142 |
| Return on assets (ROA) | 0.6532% | 4,352 |
| Pretax return on assets | 1.0690% | 3,426 |
| Return on Equity (ROE) | 7.3511% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.3511% | 1,933 |
| Net charge-offs to loans | 2.4587% | 293 |
| Credit loss provision to net charge-offs | 90.1158% | 3,046 |
| Earnings coverage of net charge-offs (x) | 1.7082% | 4,128 |
| Efficiency ratio | 32.7554% | 7,154 |
| Assets per employee ($millions) | 26.4252% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3076% | 588 |
| Loan loss allowance to noncurrent loans | 76.8710% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.6700% | 2,073 |
| Noncurrent loans to loans | 4.3027% | 1,254 |
| Net loans and leases to total assets | 51.1724% | 5,198 |
| Net loans and leases to deposits | 56.5086% | 5,595 |
| Net loans and leases to core deposits | 59.1431% | 5,679 |
| Total domestic deposits to total assets | 90.5568% | 633 |
| Equity capital to assets | 9.0934% | 5,588 |
| Core capital (leverage) ratio | 8.4931% | 5,658 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,894 |
| Total risk-based capital ratio | 16.0785% | 3,835 |
| Memoranda: | ||
| Average total assets | $2,405,193,330 | 301 |
| Average earning assets | $2,351,819,330 | 276 |
| Average equity | $213,709,330 | 345 |
| Average total loans | $1,278,085,330 | 346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 6,177 |
| Cost of funding earning assets | 0.7227% | 4,091 |
| Net interest margin | 3.1103% | 6,007 |
| Noninterest income to average assets | 0.2087% | 6,131 |
| Noninterest expense to average assets | 1.0656% | 7,245 |
| Loan and lease loss provision to assets | 1.1158% | 356 |
| Net operating income to assets | 0.6533% | 4,109 |
| Return on assets (ROA) | 0.6558% | 4,316 |
| Pretax return on assets | 1.0716% | 3,425 |
| Return on Equity (ROE) | 7.4686% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.4686% | 2,190 |
| Net charge-offs to loans | 2.2002% | 404 |
| Credit loss provision to net charge-offs | 95.2449% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.8637% | 3,408 |
| Efficiency ratio | 32.7976% | 7,213 |
| Assets per employee ($millions) | 24.4973% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4529% | 554 |
| Loan loss allowance to noncurrent loans | 102.8545% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 2,751 |
| Noncurrent loans to loans | 3.3571% | 1,890 |
| Net loans and leases to total assets | 50.4433% | 5,244 |
| Net loans and leases to deposits | 55.5985% | 5,648 |
| Net loans and leases to core deposits | 57.7462% | 5,733 |
| Total domestic deposits to total assets | 90.7278% | 674 |
| Equity capital to assets | 8.8978% | 5,638 |
| Core capital (leverage) ratio | 8.3426% | 5,817 |
| Tier 1 risk-based capital ratio | 14.6189% | 4,007 |
| Total risk-based capital ratio | 15.8925% | 3,954 |
| Memoranda: | ||
| Average total assets | $2,405,445,000 | 296 |
| Average earning assets | $2,351,283,000 | 274 |
| Average equity | $211,230,500 | 344 |
| Average total loans | $1,280,813,000 | 344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 6,465 |
| Cost of funding earning assets | 0.8184% | 4,718 |
| Net interest margin | 3.1747% | 6,164 |
| Noninterest income to average assets | 0.6415% | 2,937 |
| Noninterest expense to average assets | 1.0461% | 7,291 |
| Loan and lease loss provision to assets | 1.3052% | 630 |
| Net operating income to assets | 0.9034% | 2,586 |
| Return on assets (ROA) | 0.9068% | 2,698 |
| Pretax return on assets | 1.4000% | 1,792 |
| Return on Equity (ROE) | 11.0688% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.0688% | 394 |
| Net charge-offs to loans | 2.3474% | 526 |
| Credit loss provision to net charge-offs | 100.1662% | 3,493 |
| Earnings coverage of net charge-offs (x) | 2.0721% | 4,227 |
| Efficiency ratio | 27.9234% | 7,304 |
| Assets per employee ($millions) | 24.5934% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0744% | 762 |
| Loan loss allowance to noncurrent loans | 167.4876% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 3,925 |
| Noncurrent loans to loans | 1.8356% | 3,427 |
| Net loans and leases to total assets | 52.5739% | 5,223 |
| Net loans and leases to deposits | 57.7719% | 5,717 |
| Net loans and leases to core deposits | 60.6924% | 5,785 |
| Total domestic deposits to total assets | 91.0026% | 508 |
| Equity capital to assets | 8.6653% | 5,941 |
| Core capital (leverage) ratio | 8.2126% | 5,973 |
| Tier 1 risk-based capital ratio | 14.4445% | 4,009 |
| Total risk-based capital ratio | 15.7143% | 3,974 |
| Memoranda: | ||
| Average total assets | $2,401,685,800 | 291 |
| Average earning assets | $2,348,669,000 | 269 |
| Average equity | $196,750,800 | 357 |
| Average total loans | $1,333,226,000 | 327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 6,642 |
| Cost of funding earning assets | 0.8314% | 4,938 |
| Net interest margin | 3.1320% | 6,340 |
| Noninterest income to average assets | 0.5321% | 3,636 |
| Noninterest expense to average assets | 0.9577% | 7,379 |
| Loan and lease loss provision to assets | 1.3775% | 535 |
| Net operating income to assets | 0.8075% | 3,122 |
| Return on assets (ROA) | 0.8119% | 3,264 |
| Pretax return on assets | 1.2677% | 2,411 |
| Return on Equity (ROE) | 10.0565% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.0565% | 829 |
| Net charge-offs to loans | 2.3407% | 495 |
| Credit loss provision to net charge-offs | 105.4084% | 3,150 |
| Earnings coverage of net charge-offs (x) | 2.0189% | 4,134 |
| Efficiency ratio | 26.6325% | 7,376 |
| Assets per employee ($millions) | 23.6333% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1382% | 771 |
| Loan loss allowance to noncurrent loans | 148.4018% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 3,931 |
| Noncurrent loans to loans | 2.1146% | 3,225 |
| Net loans and leases to total assets | 53.0261% | 5,317 |
| Net loans and leases to deposits | 58.1014% | 5,834 |
| Net loans and leases to core deposits | 61.0914% | 5,902 |
| Total domestic deposits to total assets | 91.2646% | 355 |
| Equity capital to assets | 8.4699% | 6,324 |
| Core capital (leverage) ratio | 7.9226% | 6,465 |
| Tier 1 risk-based capital ratio | 13.7106% | 4,567 |
| Total risk-based capital ratio | 14.9821% | 4,512 |
| Memoranda: | ||
| Average total assets | $2,399,569,500 | 292 |
| Average earning assets | $2,347,425,000 | 268 |
| Average equity | $193,726,500 | 366 |
| Average total loans | $1,339,707,000 | 328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 6,829 |
| Cost of funding earning assets | 0.8527% | 5,045 |
| Net interest margin | 3.0293% | 6,555 |
| Noninterest income to average assets | 0.6807% | 2,644 |
| Noninterest expense to average assets | 0.8513% | 7,463 |
| Loan and lease loss provision to assets | 1.4385% | 500 |
| Net operating income to assets | 0.8670% | 2,787 |
| Return on assets (ROA) | 0.8736% | 2,849 |
| Pretax return on assets | 1.3632% | 1,907 |
| Return on Equity (ROE) | 11.0017% | 1,798 |
| Retained earnings to average equity (ytd only) | 11.0017% | 664 |
| Net charge-offs to loans | 2.7343% | 407 |
| Credit loss provision to net charge-offs | 93.6166% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.8166% | 3,957 |
| Efficiency ratio | 23.3706% | 7,463 |
| Assets per employee ($millions) | 22.9699% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9242% | 955 |
| Loan loss allowance to noncurrent loans | 104.3265% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9048% | 3,367 |
| Noncurrent loans to loans | 2.8030% | 2,595 |
| Net loans and leases to total assets | 54.1504% | 5,271 |
| Net loans and leases to deposits | 59.2563% | 5,799 |
| Net loans and leases to core deposits | 62.3478% | 5,873 |
| Total domestic deposits to total assets | 91.3833% | 372 |
| Equity capital to assets | 8.2633% | 6,458 |
| Core capital (leverage) ratio | 7.8052% | 6,506 |
| Tier 1 risk-based capital ratio | 13.1670% | 4,791 |
| Total risk-based capital ratio | 14.4358% | 4,756 |
| Memoranda: | ||
| Average total assets | $2,395,893,330 | 294 |
| Average earning assets | $2,342,511,330 | 270 |
| Average equity | $190,243,330 | 377 |
| Average total loans | $1,346,390,000 | 332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 6,909 |
| Cost of funding earning assets | 0.8754% | 5,092 |
| Net interest margin | 2.9599% | 6,656 |
| Noninterest income to average assets | 1.1053% | 1,072 |
| Noninterest expense to average assets | 0.8662% | 7,528 |
| Loan and lease loss provision to assets | 1.3790% | 482 |
| Net operating income to assets | 1.1169% | 1,779 |
| Return on assets (ROA) | 1.1301% | 1,782 |
| Pretax return on assets | 1.7729% | 860 |
| Return on Equity (ROE) | 14.5265% | 904 |
| Retained earnings to average equity (ytd only) | 14.5265% | 433 |
| Net charge-offs to loans | 2.2673% | 529 |
| Credit loss provision to net charge-offs | 107.8347% | 2,473 |
| Earnings coverage of net charge-offs (x) | 2.4486% | 3,103 |
| Efficiency ratio | 21.6690% | 7,528 |
| Assets per employee ($millions) | 22.5502% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0382% | 884 |
| Loan loss allowance to noncurrent loans | 126.0730% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.7222% | 3,668 |
| Noncurrent loans to loans | 2.4098% | 3,079 |
| Net loans and leases to total assets | 54.3987% | 5,247 |
| Net loans and leases to deposits | 59.3438% | 5,786 |
| Net loans and leases to core deposits | 62.5051% | 5,877 |
| Total domestic deposits to total assets | 91.6669% | 378 |
| Equity capital to assets | 7.9381% | 6,556 |
| Core capital (leverage) ratio | 7.6239% | 6,630 |
| Tier 1 risk-based capital ratio | 12.9470% | 4,862 |
| Total risk-based capital ratio | 14.2175% | 4,836 |
| Memoranda: | ||
| Average total assets | $2,399,403,000 | 296 |
| Average earning assets | $2,344,543,000 | 272 |
| Average equity | $186,665,500 | 382 |
| Average total loans | $1,353,309,500 | 331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 7,204 |
| Cost of funding earning assets | 1.0942% | 5,159 |
| Net interest margin | 2.7999% | 7,029 |
| Noninterest income to average assets | 0.3221% | 5,480 |
| Noninterest expense to average assets | 0.9071% | 7,590 |
| Loan and lease loss provision to assets | 3.1019% | 294 |
| Net operating income to assets | -0.5950% | 6,446 |
| Return on assets (ROA) | -0.5950% | 6,475 |
| Pretax return on assets | -0.9474% | 6,603 |
| Return on Equity (ROE) | -7.6488% | 6,600 |
| Retained earnings to average equity (ytd only) | -7.6488% | 6,507 |
| Net charge-offs to loans | 6.1558% | 91 |
| Credit loss provision to net charge-offs | 82.2627% | 5,478 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 5,535 |
| Efficiency ratio | 29.6283% | 7,587 |
| Assets per employee ($millions) | 21.8953% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9394% | 917 |
| Loan loss allowance to noncurrent loans | 153.1243% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 4,119 |
| Noncurrent loans to loans | 1.9196% | 3,663 |
| Net loans and leases to total assets | 55.0318% | 5,483 |
| Net loans and leases to deposits | 59.7220% | 6,088 |
| Net loans and leases to core deposits | 62.9862% | 6,152 |
| Total domestic deposits to total assets | 92.1466% | 253 |
| Equity capital to assets | 7.6225% | 6,801 |
| Core capital (leverage) ratio | 7.2848% | 6,851 |
| Tier 1 risk-based capital ratio | 12.2750% | 5,233 |
| Total risk-based capital ratio | 13.5445% | 5,178 |
| Memoranda: | ||
| Average total assets | $2,404,330,400 | 297 |
| Average earning assets | $2,352,553,400 | 273 |
| Average equity | $187,022,200 | 375 |
| Average total loans | $1,472,778,200 | 320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 7,324 |
| Cost of funding earning assets | 1.1415% | 5,195 |
| Net interest margin | 2.7868% | 7,144 |
| Noninterest income to average assets | 0.3372% | 5,464 |
| Noninterest expense to average assets | 0.9240% | 7,706 |
| Loan and lease loss provision to assets | 3.2052% | 253 |
| Net operating income to assets | -0.6707% | 6,716 |
| Return on assets (ROA) | -0.6707% | 6,760 |
| Pretax return on assets | -1.0641% | 6,890 |
| Return on Equity (ROE) | -8.5790% | 6,863 |
| Retained earnings to average equity (ytd only) | -8.5790% | 6,806 |
| Net charge-offs to loans | 6.9160% | 69 |
| Credit loss provision to net charge-offs | 74.2752% | 5,308 |
| Earnings coverage of net charge-offs (x) | 0.4962% | 5,528 |
| Efficiency ratio | 30.1461% | 7,685 |
| Assets per employee ($millions) | 22.5058% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6254% | 1,172 |
| Loan loss allowance to noncurrent loans | 111.0733% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5902% | 4,066 |
| Noncurrent loans to loans | 2.3637% | 3,279 |
| Net loans and leases to total assets | 55.7718% | 5,575 |
| Net loans and leases to deposits | 60.7415% | 6,245 |
| Net loans and leases to core deposits | 64.1653% | 6,292 |
| Total domestic deposits to total assets | 91.8182% | 226 |
| Equity capital to assets | 7.9327% | 6,852 |
| Core capital (leverage) ratio | 7.4048% | 6,935 |
| Tier 1 risk-based capital ratio | 12.4863% | 4,996 |
| Total risk-based capital ratio | 13.7525% | 4,956 |
| Memoranda: | ||
| Average total assets | $2,403,291,750 | 295 |
| Average earning assets | $2,352,575,750 | 270 |
| Average equity | $187,881,250 | 368 |
| Average total loans | $1,499,579,500 | 316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 7,374 |
| Cost of funding earning assets | 1.1892% | 5,189 |
| Net interest margin | 2.7955% | 7,148 |
| Noninterest income to average assets | 0.3746% | 5,130 |
| Noninterest expense to average assets | 0.8347% | 7,789 |
| Loan and lease loss provision to assets | 3.7438% | 219 |
| Net operating income to assets | -0.9248% | 6,912 |
| Return on assets (ROA) | -0.9248% | 6,931 |
| Pretax return on assets | -1.4680% | 7,067 |
| Return on Equity (ROE) | -11.8877% | 7,040 |
| Retained earnings to average equity (ytd only) | -11.8877% | 6,998 |
| Net charge-offs to loans | 7.9253% | 63 |
| Credit loss provision to net charge-offs | 73.6855% | 4,866 |
| Earnings coverage of net charge-offs (x) | 0.4479% | 5,271 |
| Efficiency ratio | 26.8339% | 7,764 |
| Assets per employee ($millions) | 22.1057% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 1,031 |
| Loan loss allowance to noncurrent loans | 100.2046% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 3,741 |
| Noncurrent loans to loans | 2.7568% | 2,900 |
| Net loans and leases to total assets | 58.6806% | 5,304 |
| Net loans and leases to deposits | 63.8306% | 6,054 |
| Net loans and leases to core deposits | 67.1761% | 6,131 |
| Total domestic deposits to total assets | 91.9318% | 232 |
| Equity capital to assets | 7.8970% | 6,849 |
| Core capital (leverage) ratio | 7.4314% | 6,891 |
| Tier 1 risk-based capital ratio | 12.0005% | 5,309 |
| Total risk-based capital ratio | 13.2686% | 5,260 |
| Memoranda: | ||
| Average total assets | $2,401,682,000 | 295 |
| Average earning assets | $2,350,454,330 | 270 |
| Average equity | $186,832,330 | 369 |
| Average total loans | $1,539,685,000 | 309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 7,607 |
| Cost of funding earning assets | 1.2151% | 5,312 |
| Net interest margin | 2.5407% | 7,439 |
| Noninterest income to average assets | 0.5171% | 3,920 |
| Noninterest expense to average assets | 0.7739% | 7,894 |
| Loan and lease loss provision to assets | 1.4719% | 802 |
| Net operating income to assets | 0.4818% | 4,490 |
| Return on assets (ROA) | 0.4818% | 4,618 |
| Pretax return on assets | 0.7627% | 4,018 |
| Return on Equity (ROE) | 6.2407% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.2407% | 2,500 |
| Net charge-offs to loans | 0.8025% | 1,930 |
| Credit loss provision to net charge-offs | 277.8898% | 1,425 |
| Earnings coverage of net charge-offs (x) | 4.2189% | 2,669 |
| Efficiency ratio | 25.7236% | 7,879 |
| Assets per employee ($millions) | 21.7962% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 2,766 |
| Loan loss allowance to noncurrent loans | 30.0116% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 3.9783% | 1,728 |
| Noncurrent loans to loans | 5.9630% | 1,106 |
| Net loans and leases to total assets | 63.2175% | 4,484 |
| Net loans and leases to deposits | 68.7544% | 5,502 |
| Net loans and leases to core deposits | 70.0047% | 5,915 |
| Total domestic deposits to total assets | 91.9468% | 256 |
| Equity capital to assets | 7.7524% | 6,884 |
| Core capital (leverage) ratio | 7.4626% | 6,888 |
| Tier 1 risk-based capital ratio | 11.4797% | 5,691 |
| Total risk-based capital ratio | 12.7363% | 5,674 |
| Memoranda: | ||
| Average total assets | $2,397,761,000 | 303 |
| Average earning assets | $2,351,122,000 | 281 |
| Average equity | $185,108,000 | 376 |
| Average total loans | $1,582,482,000 | 307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 7,532 |
| Cost of funding earning assets | 1.7572% | 4,215 |
| Net interest margin | 2.5828% | 7,345 |
| Noninterest income to average assets | 0.2060% | 6,634 |
| Noninterest expense to average assets | 1.0726% | 7,937 |
| Loan and lease loss provision to assets | 1.5508% | 1,484 |
| Net operating income to assets | 0.0786% | 5,269 |
| Return on assets (ROA) | 0.0812% | 5,303 |
| Pretax return on assets | 0.1320% | 5,152 |
| Return on Equity (ROE) | 1.0809% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.0809% | 4,284 |
| Net charge-offs to loans | 1.3275% | 1,878 |
| Credit loss provision to net charge-offs | 160.1426% | 2,786 |
| Earnings coverage of net charge-offs (x) | 1.7336% | 4,427 |
| Efficiency ratio | 38.9833% | 7,876 |
| Assets per employee ($millions) | 21.2155% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,323 |
| Loan loss allowance to noncurrent loans | 28.5900% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.4645% | 1,941 |
| Noncurrent loans to loans | 4.8351% | 1,420 |
| Net loans and leases to total assets | 66.7216% | 3,982 |
| Net loans and leases to deposits | 72.5200% | 5,257 |
| Net loans and leases to core deposits | 87.2274% | 5,412 |
| Total domestic deposits to total assets | 92.0044% | 267 |
| Equity capital to assets | 7.6871% | 6,871 |
| Core capital (leverage) ratio | 7.4669% | 6,821 |
| Tier 1 risk-based capital ratio | 11.1166% | 5,813 |
| Total risk-based capital ratio | 12.3684% | 5,758 |
| Memoranda: | ||
| Average total assets | $2,375,763,200 | 303 |
| Average earning assets | $2,341,482,200 | 285 |
| Average equity | $178,469,600 | 386 |
| Average total loans | $1,733,046,200 | 296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 7,627 |
| Cost of funding earning assets | 1.8615% | 4,089 |
| Net interest margin | 2.5129% | 7,454 |
| Noninterest income to average assets | 0.2161% | 6,689 |
| Noninterest expense to average assets | 1.1126% | 8,010 |
| Loan and lease loss provision to assets | 1.6642% | 1,126 |
| Net operating income to assets | -0.0540% | 5,810 |
| Return on assets (ROA) | -0.0512% | 5,853 |
| Pretax return on assets | -0.0769% | 5,814 |
| Return on Equity (ROE) | -0.6861% | 5,883 |
| Retained earnings to average equity (ytd only) | -0.6861% | 5,402 |
| Net charge-offs to loans | 1.6111% | 1,266 |
| Credit loss provision to net charge-offs | 139.0854% | 3,553 |
| Earnings coverage of net charge-offs (x) | 1.3232% | 4,796 |
| Efficiency ratio | 41.2720% | 7,899 |
| Assets per employee ($millions) | 21.1896% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 6,257 |
| Loan loss allowance to noncurrent loans | 24.5071% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 3.0173% | 2,301 |
| Noncurrent loans to loans | 4.1023% | 1,781 |
| Net loans and leases to total assets | 68.1563% | 3,925 |
| Net loans and leases to deposits | 73.9510% | 5,370 |
| Net loans and leases to core deposits | 89.1063% | 5,518 |
| Total domestic deposits to total assets | 92.1642% | 152 |
| Equity capital to assets | 7.4668% | 7,321 |
| Core capital (leverage) ratio | 7.2259% | 7,240 |
| Tier 1 risk-based capital ratio | 10.6930% | 6,255 |
| Total risk-based capital ratio | 11.7213% | 6,453 |
| Memoranda: | ||
| Average total assets | $2,375,669,000 | 317 |
| Average earning assets | $2,344,421,000 | 297 |
| Average equity | $177,422,750 | 397 |
| Average total loans | $1,764,402,500 | 305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 7,684 |
| Cost of funding earning assets | 2.0380% | 3,584 |
| Net interest margin | 2.3976% | 7,577 |
| Noninterest income to average assets | 0.2323% | 6,619 |
| Noninterest expense to average assets | 1.1912% | 8,089 |
| Loan and lease loss provision to assets | 1.9385% | 841 |
| Net operating income to assets | -0.3375% | 6,370 |
| Return on assets (ROA) | -0.3375% | 6,384 |
| Pretax return on assets | -0.5320% | 6,458 |
| Return on Equity (ROE) | -4.5194% | 6,553 |
| Retained earnings to average equity (ytd only) | -4.5194% | 6,224 |
| Net charge-offs to loans | 2.0014% | 927 |
| Credit loss provision to net charge-offs | 127.2480% | 3,660 |
| Earnings coverage of net charge-offs (x) | 0.9233% | 4,842 |
| Efficiency ratio | 45.8560% | 7,858 |
| Assets per employee ($millions) | 20.1300% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 7,257 |
| Loan loss allowance to noncurrent loans | 24.9385% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 2.4283% | 2,658 |
| Noncurrent loans to loans | 3.0823% | 2,328 |
| Net loans and leases to total assets | 71.6209% | 3,315 |
| Net loans and leases to deposits | 77.4641% | 4,948 |
| Net loans and leases to core deposits | 93.1712% | 5,220 |
| Total domestic deposits to total assets | 92.4569% | 148 |
| Equity capital to assets | 7.2728% | 7,428 |
| Core capital (leverage) ratio | 7.1439% | 7,417 |
| Tier 1 risk-based capital ratio | 10.2364% | 6,669 |
| Total risk-based capital ratio | 11.0331% | 7,099 |
| Memoranda: | ||
| Average total assets | $2,362,355,330 | 327 |
| Average earning assets | $2,330,569,000 | 307 |
| Average equity | $176,441,000 | 401 |
| Average total loans | $1,798,166,330 | 307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 7,707 |
| Cost of funding earning assets | 2.2954% | 2,720 |
| Net interest margin | 2.2164% | 7,783 |
| Noninterest income to average assets | 0.2718% | 6,257 |
| Noninterest expense to average assets | 1.1735% | 8,121 |
| Loan and lease loss provision to assets | 1.0980% | 1,192 |
| Net operating income to assets | 0.1200% | 5,919 |
| Return on assets (ROA) | 0.1200% | 6,086 |
| Pretax return on assets | 0.1888% | 5,970 |
| Return on Equity (ROE) | 1.5860% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5860% | 4,965 |
| Net charge-offs to loans | 0.8723% | 1,500 |
| Credit loss provision to net charge-offs | 161.0958% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.8879% | 3,774 |
| Efficiency ratio | 47.6989% | 7,744 |
| Assets per employee ($millions) | 18.6200% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 7,656 |
| Loan loss allowance to noncurrent loans | 20.9569% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 2.3959% | 2,389 |
| Noncurrent loans to loans | 2.8648% | 2,282 |
| Net loans and leases to total assets | 75.8094% | 2,316 |
| Net loans and leases to deposits | 82.2808% | 4,240 |
| Net loans and leases to core deposits | 104.6941% | 4,058 |
| Total domestic deposits to total assets | 92.1351% | 163 |
| Equity capital to assets | 7.5526% | 7,307 |
| Core capital (leverage) ratio | 7.4353% | 7,231 |
| Tier 1 risk-based capital ratio | 10.2547% | 6,643 |
| Total risk-based capital ratio | 10.8876% | 7,235 |
| Memoranda: | ||
| Average total assets | $2,345,796,500 | 330 |
| Average earning assets | $2,316,237,000 | 310 |
| Average equity | $177,552,000 | 402 |
| Average total loans | $1,832,775,000 | 305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 7,629 |
| Cost of funding earning assets | 3.0197% | 1,803 |
| Net interest margin | 2.2521% | 7,935 |
| Noninterest income to average assets | 0.3948% | 5,514 |
| Noninterest expense to average assets | 1.0398% | 8,197 |
| Loan and lease loss provision to assets | 0.4336% | 3,125 |
| Net operating income to assets | 0.7192% | 3,809 |
| Return on assets (ROA) | 0.7192% | 3,641 |
| Pretax return on assets | 1.1461% | 2,850 |
| Return on Equity (ROE) | 9.0965% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.1806% | 1,450 |
| Net charge-offs to loans | 0.5281% | 2,254 |
| Credit loss provision to net charge-offs | 95.6172% | 5,530 |
| Earnings coverage of net charge-offs (x) | 3.4837% | 4,347 |
| Efficiency ratio | 39.6965% | 8,137 |
| Assets per employee ($millions) | 18.0376% | 89 |
| Cash dividends to net income (ytd only)* | 32.0554% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 7,916 |
| Loan loss allowance to noncurrent loans | 18.4232% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 2,360 |
| Noncurrent loans to loans | 2.4449% | 2,240 |
| Net loans and leases to total assets | 79.6629% | 1,735 |
| Net loans and leases to deposits | 86.5092% | 4,035 |
| Net loans and leases to core deposits | 112.0038% | 3,566 |
| Total domestic deposits to total assets | 92.0860% | 119 |
| Equity capital to assets | 7.5855% | 7,315 |
| Core capital (leverage) ratio | 7.5179% | 7,188 |
| Tier 1 risk-based capital ratio | 9.9849% | 6,748 |
| Total risk-based capital ratio | 10.4642% | 7,547 |
| Memoranda: | ||
| Average total assets | $2,168,818,000 | 335 |
| Average earning assets | $2,142,399,800 | 312 |
| Average equity | $171,471,800 | 416 |
| Average total loans | $1,862,216,800 | 290 |